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Resources
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What are the different types of life insurance available?
There are many kinds of insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of the term, which […]
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What are the types of permanent insurance that are available — whole life and ordinary life?
Whole Life or ordinary life is the most common type of permanent insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy. Universal life or adjustable life allows you, after your initial payment, to pay premiums at any time, in virtually […]
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How can I earn money with a mutual fund?
You can earn money from your investment in three ways: 1. A fund may receive income in the form of dividends and interest on the securities it owns. A fund will pay its shareholders nearly all of the income it has earned in the form of dividends. 2. The price of the securities a fund […]
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What is a Bull market and what is a Bear market?
A Bull market refers to a period during which security prices generally rise, usually over several months or more. A Bear market is a market that is steadily going down.
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Any suggestions for getting started with investing?
Need some help finding the right path for your financial future? You’ve come to the right place. We’ve put together an itinerary that takes in all the basics for your journey to learn more about saving and investing. Traveling down the right road to achieving financial well-being is one of the most important trips that […]
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What are the fees for opening an IRA with USC Credit Union?
USC Credit Union does not assess a fee for opening an Individual Retirement Account (IRA).If you currently do not have a membership account with USC Credit Union, you would be assessed a one-time $9 membership fee to open a Savings Account. You would then be able to open an IRA without any fee assessments.
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When is the best time to sell or buy a home?
In buying or selling anything, timing is everything. The challenge is to know when to buy and when to sell, so that you use the timing of the purchase or sale to your advantage. The housing market is seasonal, as most homeowners and renters move during the summer months, from June through August, while school […]
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What is a mortgage?
A mortgage is a loan that is used to buy a home. In return for the loan, you pay interest on the amount loaned. The lender also has first rights on your house in case you neglect to pay back the loan. A mortgage has three components: Amount (how many dollars you need to borrow) […]
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What is the difference between being ‘pre-qualified’ and ‘pre-approved’ for a loan?
Pre-qualification is an informal way to see how much you may be able to borrow. You can be “pre-qualified” over the phone with no paperwork by telling a lender your income, your long-term debts, and how large a down payment you can afford. Without any obligation, this helps you arrive at a ballpark figure of […]
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How does a lender determine how much home I can afford?
The primary factor is your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. Many lenders believe you can afford a house if its price is under 2½ times your household’s annual […]
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