Apple Index

Advice on these questions, and many others, is available on the Tri-Town Apple.

The Tri-Town Apple is a blog published by the Tri-Town Teachers Federal Credit Union to help its members understand the financial options, choices, and opportunities that present themselves on an almost daily basis.

The index below will help you find a post that may offer timely information will help you with the question in mind.

Tri-Town Apple Index

  1. Your Earnings
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  3. Spending
    • Buying a New Car - A new car is second only to a home as the most expensive purchase many consumers make. According to the National Automobile Dealers Association, the average price of a new car sold in the United States is about $30,000. That's why it's important to know how to make a smart deal. – Federal Trade Commission (FTC)
    • Buying a Used Car - Buying a used car is fraught with it's own set of hidden pitfalls.
    • Used Car Warranties - A thorough discussion of used warranties and how they affect the buyer.
    • Automotive Services Contracts - A discussion of service contracts for automobiles.
    • Renting a Car - We continue our series on Buying and Owning a Car (OK, renting is neither buying or owning, but you get the idea).
    • Auto Repair Basics - Buying can be fun, repairing never is!
    • Car: Purchase or Lease? - The rate of leasing in the United States was higher last year than at any time in more than a decade, according to data provided by Edmunds.com and Kelley Blue Book.
    • "R" You Energy Savvy? - Make sure you're getting the most out of your heating bill.

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  4. Borrowing
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  6. Saving & Investing
    • Thoughts on 403(b) Plans - Helpful Information For Our Teacher Members: Investment Options and Important Advice About 403(b) Plans From the Securities and Exchange Commission.
    • MyRA: Is It for You? - In his State of the Union address, President Obama announced plans to create a new 'MyRA' retirement account aimed at helping millions of Americans to start building a retirement nest egg.
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  8. Protection
    • Managing Someone Else's Money - Millions of Americans are managing money or property for a loved one who is unable to pay bills or make financial decisions. This can be very overwhelming. But, it's also a great opportunity to help someone you care about, and protect them from scams and fraud.
    • Guide for Seniors: Protect Yourself Against Investment Fraud - Senior citizens are the number one target of investment con artists. The files of state securities agencies are filled with tragic examples of senior citizens who have been cheated out of life savings, windfall insurance payments, and even the equity in their own homes.
    • Your Credit – It's Important I - Good credit is necessary if you plan to use credit to make a major purchase, such as a car or a home, or want to be able to take advantage of the convenience credit can provide. The importance of good credit also extends beyond purchases, in that it may be used by potential employers and landlords as part of the selection process.
    • Your Credit – It's Important II - Some financial advisors and consumer advocates suggest that you review your credit report periodically because the information it contains affects whether you can get a loan — and how much you will have to pay to borrow money..
    • It's That Time of Year: Let's Talk Flood Insurance - We all know the storms that clobbered the Northeast the last couple of years caused widespread damage, much of it by flooding. But it doesn't take a hurricane like Sandy to cause flood damage to homes and businesses.
    • Protect Yourself – Practice Safe Internet Banking: Part II - This is the second of two posts on safe internet banking. The Internet offers the potential for safe, convenient new ways to shop for financial services and conduct banking business, any day, any time. However, safe banking online involves making good choices – decisions that will help you avoid costly surprises or even scams. Look here for help.
    • Protect Yourself – Practice Safe Internet Banking: Part I - The Internet offers the potential for safe, convenient new ways to shop for financial services and conduct banking business, any day, any time. However, safe banking online involves making good choices – decisions that will help you avoid costly surprises or even scams. Look here for help.
    • Protect Yourself from Identity Theft - Identity theft happens. It's an unfortunate fact of modern life. And YES, it can happen to you! But there are certain steps you can take to help keep your personal information from falling into the wrong hands.
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  10. Life Events
    • Federal Student Aid - There Is No Getting Around It - College Is Expensive! Here is where to start looking.
    • When Should I Start Social Security Payments? - For many people, when to claim Social Security is one of the most significant choices they will ever make. The timing of the first check affects how much they'll get from Social Security and what benefits will be available for spouses, children and, eventually, survivors.
    • Federal Educational Financial Aid - To say the cost of higher education is daunting is an understatement. Here in Connecticut, the yearly sticker prices for a sample of schools range from $12,535 at Charter Oak State College, to $61,333 at Yale (source: CNNMoney). Help is available and since the Federal Government is responsible for much of the financial assistance, a good place to start looking is the U.S. Dept. of Education.
    • Should You Buy Instead of Rent? Maybe Yes, Maybe No - Once upon a time, it was a no-brainer, as soon as you had the down payment in hand, buying a house was perhaps the wisest financial decision you could make. The recent Great Recession changed that paradigm. We know now that home prices can go up, and they can go down.
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