Everyday Finance

Everday Finance Blog

Everyday Finance is your go-to resource for navigating life's financial twists and turns. We'll share advice on buying a home, financing a car, paying for college, saving for retirement, and everything in between. At Towpath Credit Union, we aim to guide and educate our members, and Everyday Finance is just one of the ways we can help.


How To Establish Credit Part 2: Cash Payments 

Posted by Michael Thompson June 22, 2017
I’ve paid for cash for everything my whole life. I’m not in any debt, isn’t that worth something? No. Unfortunately not. But Congratulations - You have the credit health of a eighteen year old! That’s okay though because you a have much more
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How To Establish Credit Part 2: Bankruptcy 

Posted by Michael Thompson June 20, 2017
My credit is horrible, I just got out of a bankruptcy. Sure you did, but you also just got a chance to start over. Actually, credit card companies are going to love you after a bankruptcy. Why? You can’t file again for a long time and they want
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How To Establish Credit If You’re A Young Adult, Recent Bankrupt, or Cash Buyer 

Posted by Michael Thompson June 16, 2017
Three very different people. Three very similar credit situations. On one hand they are extremely risky to a lender as they have no established history showing they pay people on time. On the other hand, they are a lender’s best opportunity for
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Consumers, be wary: Identity theft is on the rise 

Posted by Michael Thompson June 05, 2017
If you’ve been a victim of identity theft, you’re not alone. Thirty-three percent of Ohioans reported that they'd been victimized by fraud and/or identity theft in a year-end 2016 survey conducted by the Ohio Credit Union League. More could have
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Summer Vacations: 3 More Ways to Get More for Less 

Posted by Michael Thompson May 23, 2017
Part 2 on how to save on your Summer Vacation. 3. Book airfare the smart way and be flexible Airfare is one of the biggest costs of travel and also one of the most variable. Prices are based on supply and demand and change frequently.
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Summer Vacations: Ways to Get More for Less 

Posted by Michael Thompson May 23, 2017
Northeast Ohio is a beautiful place. America’s “North Shore” does have quite a bit to offer in terms of day trips and short weekend get-aways. What are we missing? Well, it’s a bit cloudy here for one. Also, our beloved lake will just never compare
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Tips for Better Passwords 

Here are a few ways to keep your personal info safe.
Posted by Michael Thompson May 22, 2017
From Consumer Reports: Thursday, May 4 was World Password Day. Yes, it’s a made-up holiday launched by companies in the tech industry, but it does serve as a reminder to create good passwords and keep them protected. And, research shows that
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An Online Safety Checklist 

Posted by Michael Thompson May 12, 2017
Whenever you’re unsure about a link in general, this is the expert knowledge you can refer to for checking, if it’s safe to click on or not: Watch out for substituted digits for letters in URLs Hover over links to find out where they
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Online Security - What to do if you have clicked a suspicious link 

Posted by Michael Thompson May 11, 2017
Beware Of Requests To “Verify” Your Details Phishers are obsessed with getting people to “verify” their details. When was the last time you received an email claiming to be from your bank, asking you to verify your account because of an urgent
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Online Security - Recognizing Suspicious Links 

Posted by Michael Thompson May 10, 2017
Who Creates Malicious Links? While there might be some links that you want to check without suspecting a criminal background, with most of them you probably will. Nowadays, online scam is a bigger deal than ever before. The creators of malicious
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