Mortgages

What have we been working on in 2010?

        So far 2010 has been a very busy year here at Vantage. We have several exciting new products and services in development. Many of these products are nothing new to the financial industry, but are new to us, and in some cases, include extras unique to us.

Should You Pay Off Your Mortgage Early?

Bills, bills, bills! And the biggest budget buzz saw usually involves keeping the roof over your head––the mortgage. Ever fantasize about what it would be like to not have a monthly mortgage payment? It could be like winning the lottery, having all that extra money at the end of the month to use for other purposes.

Some people take the fantasy a step further and devise a plan to pay down their mortgages early. While it sounds like a good idea, is it something you should really consider? As usual, there are a number of things to think about. Here are a few:

The 5 "Debtly Sins"

In the church of finance, personal responsibility is the high priest. It’s true that outside forces will affect your situation to a point, but only you can dictate how your financial life will proceed. With that in mind, let’s take a look at five “debtly sins” that can misdirect your financial well-being.

Uncle Sam Wants YOU … To File Your Taxes

Get your receipts lined up. Rip open the W-2s. Sharpen those pencils and make sure you have plenty of erasers. It’s tax time, the season for crunching numbers and squeezing blood from a turnip. It’s a chore not many of us relish unless we expect a big return (and if you do, for shame, you’re giving the government an interest-free loan, but more about that at another time).

It’s not that we don’t receive breaks from Uncle Sam. Last year, nearly 46 million citizens itemized their taxes via the 1040 form and claimed nearly $1 trillion in deductions. Those using standard deductions claimed half a trillion dollars. Yet when you take us as individuals, who doesn’t want to pay as few taxes as possible, whether it involves getting a bigger return or owing less?

2010 - The Year Paper Dies?

Could we look back at 2010 and say this was the year  paper officially died?  Let's look at a couple of interesting statistics:

New Channels for VCU

You may have noticed a minor change to our website. On the lefthand side of our main webpage, there are 3 new graphic links. The new links go to external social or new media websites (Facebook, Twitter and YouTube). Vantage Credit Union has started to provide content through these newer channels and we plan to continue using these more in the future.

Welcome New Spirit Members & Help Information

Welcome to our new members from Spirit of St. Louis Credit Union. Now that the merger is complete, we know there will be questions about some of our services, and some accounts will need some tweaking.

The Holiday Gadget Blitz Is On

The Halloween displays can't be tossed aside fast enough as the Christmas and other holiday displays go up. Daylight savings is over and the smell of wood smoke is in the air.  I enjoy this time of year, mainly due to the increased time spent with family and friends. The other reason is the release of new Gadgets and Geek stuff leading up to the holidays.

Ready to Ride the Google Wave

I'm going to go out on a limb and say today may be the day that social media was changed forever.

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