Personal Resource Center

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<div class="container" style=""> <div class="carousel-caption left-carousel darkgray" style="" id="carousel-caption-0"> <div class="hidden-md hidden-xl hidden-lg visible-xs visible-sm"> </div> <div class="carousel-content-caption"> <h1 class="focus">Personal Resource Center</h1> <content class="focus"> <p>One way to help you reach your potential is by providing financial insights that you can use every day. Whether entering the workforce, starting a family, or ready to retire, we have the resources you need to get where you want to be.</p> </content> </div> </div> </div> </div> </div> <script type="text/javascript"> var fadeInterval = "300"; </script> <link href="/bundles/css/components/left-rail?v=aC9waDSrkEaP0J8oe9C4KI_5Xgvdurw72qF8XQwnyO41" rel="stylesheet"/>  <div class="container-inner pad-20"> <div class="row"> <div id="TwoColLeftFirst" class="col-xs-12 col-lg-9 left-20 col-lg-push-3"> <div class="content-block-h4-title content-block-h4-title-top-padding"> <br> <h2>Fraud Prevention and Security</h2> <br> <h3 class="h5" style="letter-spacing: 0px;"> Synovus is devoted to keeping your finances secure. Our <a href="/personal/resource-center/fraud-prevention-and-security-hub">fraud protection resources and tips</a> can help you recognize — and prevent — potential scams that could have devastating effects. </h3> <br> <p class="fraud-btn"><a style="font-size: 18px; color: #ffffff; padding-top: 6px; padding-bottom: 6px; padding-left: 12px; padding-right: 12px;" class="btn btn-search btn-primary" aria-label="Link to Synovus Fraud Prevention and Security Hub" href="/personal/resource-center/fraud-prevention-and-security-hub">Learn more</a></p> <hr aria-hidden="true" style="border-top: 2px solid #e5e5e5; margin: 0px;" /> </div> <link href="/bundles/css/Person/Quote?v=CjzHvrCI7Q5lO3CZ4F5USzUFjutt0SoUR9RVqDkztNo1" rel="stylesheet"/> <div> <div class="container article-container col-lg-12"> <div class="row content-block-large-title-top-padding"> <h2 id="finances">Managing Your Finances</h2> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">Post-Election Economic Forecast for 2025</div> <div> <p> Trump proposed extending aspects of the Tax Cuts and Jobs Act. This would keep taxes from increasing drastically for individuals and large estates. </p> </div> <a href="/personal/resource-center/managing-your-finances/post-election-economic-forecast" aria-label="read more about Post-Election Economic Forecast for 2025">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">What Is a Securities-Backed Line of Credit (SBLOC)?</div> <div> <p> A securities-backed line of credit (SBLOC) uses your investments as collateral for flexible, low-interest borrowing. Learn how it works and why it’s right for you. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-is-a-securities-backed-line-of-credit" aria-label="read more about What Is a Securities-Backed Line of Credit (SBLOC)?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">2025 New Year Tax Implications</div> <div> <p> An overview of the 2025 inflation adjustments to tax brackets, deductions, and retirement plan contribution limits to help you plan ahead. </p> </div> <a href="/personal/resource-center/managing-your-finances/tax-implications-for-the-new-year" aria-label="read more about 2025 New Year Tax Implications">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">The Benefits of Using Zelle®</div> <div> <p> Explore Zelle's fast, secure way to send money to family and friends. We cover its benefits, limitations, and tips for safe transactions. </p> </div> <a href="/personal/resource-center/managing-your-finances/zelle-review" aria-label="read more about The Benefits of Using Zelle®">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Recovering from a Natural Disaster Can Take a Toll</div> <div> <p> If you have suffered damage to your home, car, or personal belongings from a natural disaster, here's how to get back on your feet — and make sure your house is safe and habitable. </p> </div> <a href="/personal/resource-center/managing-your-finances/recovering-from-a-natural-disaster-takes-a-toll" aria-label="read more about Recovering from a Natural Disaster Can Take a Toll">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Money Moves To Make Before You File the FAFSA</div> <div> <p> Maximize your eligibility for financial aid by making smart money moves before filing the Free Application for Federal Student Aid (FAFSA). </p> </div> <a href="/personal/resource-center/managing-your-finances/money-moves-to-make-before-you-file-the-fafsa" aria-label="read more about Money Moves To Make Before You File the FAFSA">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Practical Strategies for Catching Up on Retirement Savings in Your 50s</div> <div> <p> Many Americans find themselves in their 50s without enough saved for a comfortable retirement. </p> </div> <a href="/personal/resource-center/managing-your-finances/practical-strategies-for-catching-up-on-retirement-savings-in-your-50s" aria-label="read more about Practical Strategies for Catching Up on Retirement Savings in Your 50s">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Renters Need to Prepare for Natural Disasters Too. Here's How.</div> <div> <p> Natural disasters can strike at any time. Even if you don't own your home, being prepared helps protect your property and family. </p> </div> <a href="/personal/resource-center/managing-your-finances/renters-need-to-prepare-for-natural-disasters-too" aria-label="read more about Renters Need to Prepare for Natural Disasters Too. Here's How.">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Lower Interest Rates Could Mean</div> <div> <p> Interest rates are higher than they've been in decades after a run of rate hikes by the Federal Reserve Board (the Fed) to calm inflation. </p> </div> <a href="/personal/resource-center/managing-your-finances/interest-rates-heading-down" aria-label="read more about What Lower Interest Rates Could Mean">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Demystifying Paying Back Student Loans</div> <div> <p> Graduating from college is an exciting accomplishment, but it can also feel a little scary. </p> </div> <a href="/personal/resource-center/managing-your-finances/demystifying-paying-back-student-loans" aria-label="read more about Demystifying Paying Back Student Loans">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Post-Holiday Money Blues</div> <div> <p> The holiday season often leaves us with more than just happy memories — it also brings the all-too-common post-holiday money blues. </p> </div> <a href="/personal/resource-center/managing-your-finances/post-holiday-money-blues" aria-label="read more about Post-Holiday Money Blues">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Tips to Save on 2024 Taxes Now</div> <div> <p> Reducing your tax liability can literally save you thousands of dollars </p> </div> <a href="/personal/resource-center/managing-your-finances/tips-to-save-on-2024-taxes-now" aria-label="read more about Tips to Save on 2024 Taxes Now">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Choose the Best Employer Benefits</div> <div> <p> Navigating employer benefits can be a daunting task — particularly when it comes to health insurance. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-choose-the-best-employer-benefits" aria-label="read more about How to Choose the Best Employer Benefits">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Take Advantage of High Interest Rates With an Interest-Bearing Account</div> <div> <p> Interest rates are the highest they've been in decades. Learn about how interest-bearing accounts work and when they may make sense for you. </p> </div> <a href="/personal/resource-center/managing-your-finances/take-advantage-of-high-interest-rates-with-an-interest-bearing-account" aria-label="read more about Take Advantage of High Interest Rates With an Interest-Bearing Account">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Much Should I Have in an Emergency Fund?</div> <div> <p> It's important to have enough cash saved up for a financial emergency, but how much should you sock away? Here's what the experts say. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-much-should-i-have-in-an-emergency-fund" aria-label="read more about How Much Should I Have in an Emergency Fund?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Tips For Building an Emergency Fund</div> <div> <p> An emergency fund can help you stay afloat when money is tight. Here are a few ideas for coming up with the savings. </p> </div> <a href="/personal/resource-center/managing-your-finances/tips-for-building-an-emergency-fund" aria-label="read more about Tips For Building an Emergency Fund">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What it Means to be Executor of a Will</div> <div> <p> To be a good executor of a will, you need to understand the rules and pitfalls of taking this complex responsibility. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-it-means-to-be-executor-of-a-will" aria-label="read more about What it Means to be Executor of a Will">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Does FDIC Insurance Work?</div> <div> <p> Learn how the FDIC steps in to protect account holders when a bank fails and understand whether your account balances are protected. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-does-fdic-insurance-work" aria-label="read more about How Does FDIC Insurance Work?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Find the Best Holiday Flights</div> <div> <p> Holiday airfare is among the most expensive of the year. Here's how to get the best deal on year-end plane tickets. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-find-the-best-holiday-flights" aria-label="read more about How to Find the Best Holiday Flights">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Happens if You Die Without a Will</div> <div> <p> Synovus has partnered with <a href="https://getcarefull.com/" class="speedbump">Carefull</a>, a financial safety service, to provide education on protecting you and your money. With so many variables affecting financial means, the latest article on wills and not having one could have complicated effects after you’re gone. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-happens-if-you-die-without-a-will" aria-label="read more about What Happens if You Die Without a Will">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What to Know About Obtaining Your First Credit Card</div> <div> <p> Even if you don't want to borrow money, having a credit card can help you do things like rent a car, book a hotel, buy a plane ticket, and more. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-to-know-about-obtaining-your-first-credit-card" aria-label="read more about What to Know About Obtaining Your First Credit Card">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">10 Important Tips Before Traveling</div> <div> <p> Before you leave on a trip, be sure to tackle these 10 items to protect your finances — and your security — while you're away. </p> </div> <a href="/personal/resource-center/managing-your-finances/10-important-tips-before-traveling" aria-label="read more about 10 Important Tips Before Traveling">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is the Federal Funds Rate?</div> <div> <p> When the Federal Reserve announces a change in interest rates, it tends to make headlines. Here's how it works.  </p> </div> <a href="/personal/resource-center/managing-your-finances/what-is-the-federal-funds-rate" aria-label="read more about What is the Federal Funds Rate?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Recover Financially from a Natural Disaster</div> <div> <p> When catastrophe strikes, your top priority pivots to ensuring loved ones are safe. Once you've made it through, though, thoughts inevitably turn to dealing with the financial aftermath. </p> </div> <a href="/personal/resource-center/managing-your-finances/disaster-recovery" aria-label="read more about How to Recover Financially from a Natural Disaster">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Maintain an Emergency Fund During Retirement</div> <div> <p> If you have retirement savings, do you need an emergency fund? The answer is yes. Here's why you need one and how you can start saving. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-maintain-an-emergency-fund-during-retirement" aria-label="read more about How to Maintain an Emergency Fund During Retirement">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Recover Physically from a Natural Disaster</div> <div> <p> Your home has just been through a natural disaster involving water or wind, or both. Now what? </p> </div> <a href="/personal/resource-center/managing-your-finances/physical-recovery-from-natural-disaster" aria-label="read more about How to Recover Physically from a Natural Disaster">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Methods For Reducing Debt</div> <div> <p> Ready to improve your finances? These tips can help you reduce your debt and make this your best financial year yet. </p> </div> <a href="/personal/resource-center/managing-your-finances/ways-to-reduce-debt" aria-label="read more about Methods For Reducing Debt">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Many Credit Cards You Should Have</div> <div> <p> The number of credit cards you should own depends on your personal financial situation. Here's how to figure out the right number for you. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-many-credit-cards-you-should-have" aria-label="read more about How Many Credit Cards You Should Have">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Conduct Bank Business Safely</div> <div> <p> Synovus takes the security of its customers very seriously, whether it be online or in person. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-conduct-bank-business-safely" aria-label="read more about How to Conduct Bank Business Safely">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Is a Good Credit Score?</div> <div> <p> Do you have a good credit score? Learn what the two major scoring models consider "good" and how you can get — and keep — your score there. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-is-a-good-credit-score" aria-label="read more about What Is a Good Credit Score?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Recent Graduates Can Prepare For Financial Independence</div> <div> <p> Being an adult is expensive. Make sure you start off your newfound life of freedom on the right foot by knowing how to manage your money. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-recent-graduates-can-prepare-for-financial-independence" aria-label="read more about How Recent Graduates Can Prepare For Financial Independence">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Travel Insurance, Explained</div> <div> <p> As people travel for the holidays, you might be considering travel insurance. Here’s what you need to know. </p> </div> <a href="/personal/resource-center/managing-your-finances/travel-insurance-explained" aria-label="read more about Travel Insurance, Explained">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Making a Plan to Repay Student Loans</div> <div> <p> Fitting student loans into your budget as a new grad can feel overwhelming. Here's how to make a plan and budget that will work for you. </p> </div> <a href="/personal/resource-center/managing-your-finances/making-a-plan-to-repay-student-loans" aria-label="read more about Making a Plan to Repay Student Loans">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">7 Things to do When a Loved One Dies</div> <div> <p> When a loved one dies, you'll need to settle up their finances. Here are the key steps you need to take to do this. </p> </div> <a href="/personal/resource-center/managing-your-finances/7-things-to-do-when-a-loved-one-dies" aria-label="read more about 7 Things to do When a Loved One Dies">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Does Debt Consolidation Affect Your Credit Score?</div> <div> <p> Debt consolidation could either help or hurt your credit score. Here's how to minimize the downside while maximizing the upside. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-does-debt-consolidation-affect-your-credit-score" aria-label="read more about How Does Debt Consolidation Affect Your Credit Score?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Much Does a Funeral Cost?</div> <div> <p> Understanding funeral costs ahead of time can alleviate the emotional and financial strain on your family. Here's how to plan and budget. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-much-does-a-funeral-cost" aria-label="read more about How Much Does a Funeral Cost?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Adjust Your Budget After Losing Your Job</div> <div> <p> When your income takes a hit, it can be hard to adjust your budget and avoid extra debt. Here are five ways to make the numbers work. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-adjust-your-budget-after-losing-your-job" aria-label="read more about How to Adjust Your Budget After Losing Your Job">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Make an Estate Plan</div> <div> <p> Estate planning doesn't have to be complicated. Here are the steps you should take to ensure your plans are in order. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-make-an-estate-plan" aria-label="read more about How to Make an Estate Plan">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Tax Breaks For Retirees</div> <div> <p> Paying taxes can be a major drain on your retirement income. Make sure you're taking advantages of these tax breaks. </p> </div> <a href="/personal/resource-center/managing-your-finances/tax-breaks-for-retirees" aria-label="read more about Tax Breaks For Retirees">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Track and Achieve Your Savings Goals</div> <div> <p> No matter your financial goals, a savings plan can help you establish priorities, automate savings, and stay motivated throughout the year. </p> </div> <a href="/personal/resource-center/managing-your-finances/track-and-achieve-your-savings-goals" aria-label="read more about How to Track and Achieve Your Savings Goals">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What to Know About Unemployment Benefits</div> <div> <p> Unemployment insurance can be a financial lifeline if you find yourself out of work. Here's what you need to know about these benefits. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-to-know-about-unemployment-benefits" aria-label="read more about What to Know About Unemployment Benefits">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">When to Splurge and When to Save</div> <div> <p> It's nice to save when you shop, but sometimes spending more money now saves you more in the long run. Here's when to splurge and when to save. </p> </div> <a href="/personal/resource-center/managing-your-finances/when-to-splurge-and-when-to-save" aria-label="read more about When to Splurge and When to Save">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Smart Ways to Use Your Year-End Bonus</div> <div> <p> It's possible to have some fun while accomplishing your financial goals, too. Here are five smart ways to use your year-end bonus. </p> </div> <a href="/personal/resource-center/managing-your-finances/5-smart-ways-to-use-your-year-end-bonus" aria-label="read more about 5 Smart Ways to Use Your Year-End Bonus">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Tips For Discretionary Spending</div> <div> <p> Want to rein in your online shopping? Use these tips to save money and resist impulse buying throughout the year. </p> </div> <a href="/personal/resource-center/managing-your-finances/tips-for-discretionary-spending" aria-label="read more about Tips For Discretionary Spending">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">The Benefits of Paperless Statements</div> <div> <p> It's never been easier to switch to paperless bank statements. Here's 5 ways going electronic can save you time and offer you peace of mind. </p> </div> <a href="/personal/resource-center/managing-your-finances/benefits-of-paperless-statements" aria-label="read more about The Benefits of Paperless Statements">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What You Should Know About Contactless Payments</div> <div> <p> Contactless payments use a secure technology, similar to your chip card. Each transaction uses a one-time code that protects your payment information. </p> </div> <a href="/personal/resource-center/managing-your-finances/contactless-payments" aria-label="read more about What You Should Know About Contactless Payments">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Things That Can Hurt Your Credit Score</div> <div> <p> Good credit is key for everyday life, but watch out for these actions that can harm your score </p> </div> <a href="/personal/resource-center/managing-your-finances/5-things-that-can-hurt-your-credit-score" aria-label="read more about 5 Things That Can Hurt Your Credit Score">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is a Money Market Account?</div> <div> <p> Discover the pros and cons of money market accounts, their potential for growth, and how they differ from money market funds. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-is-a-money-market-account" aria-label="read more about What is a Money Market Account?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Why You Should Check Your Credit Report Regularly</div> <div> <p> Your credit reports inform your credit score. Be sure that negative entries, errors, or fraudulent activity doesn't drag it down. </p> </div> <a href="/personal/resource-center/managing-your-finances/it-is-important-to-check-your-credit-report-regularly" aria-label="read more about Why You Should Check Your Credit Report Regularly">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Budget With a Variable Income</div> <div> <p> Just because your income is unpredictable doesn't mean your budget has to be. Here's how to budget when your income varies. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-budget-with-a-variable-income" aria-label="read more about How to Budget With a Variable Income">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Prepare For a Financial Setback</div> <div> <p> Responsible financial planning requires preparing for how you'll deal with unanticipated setbacks and worst-case financial scenarios. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-prepare-for-a-financial-setback" aria-label="read more about How to Prepare For a Financial Setback">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is a Certificate of Deposit?</div> <div> <p> Certificates of deposit (CDs) differ from traditional savings accounts, their benefits and drawbacks, and how to invest in one safely. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-is-a-certificate-of-deposit" aria-label="read more about What is a Certificate of Deposit?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Smart Ways to Use Your Tax Refund</div> <div> <p> Through 2022, the average tax refund check was $2,753. Learn five ways to get the most value from your refund this year. </p> </div> <a href="/personal/resource-center/managing-your-finances/5-smart-ways-to-use-your-tax-refund" aria-label="read more about 5 Smart Ways to Use Your Tax Refund">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Does My Credit Score Mean?</div> <div> <p> With so many different versions available, credit scores can be confusing. Here's what you need to know for your financial health. </p> </div> <a href="/personal/resource-center/managing-your-finances/credit-score-numbers-explained" aria-label="read more about What Does My Credit Score Mean?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What The New FICO Model Means For You</div> <div> <p> The new FICO 10 model for calculating credit scores could have major impacts on some types of borrowers. Here's what you need to know. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-the-new-fico-credit-score-system-means-for-you" aria-label="read more about What The New FICO Model Means For You">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Have a Memorable Honeymoon on a Budget</div> <div> <p> You can plan a romantic honeymoon on any budget. Here's our tips to make your vacation dollar stretch even farther. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-have-a-memorable-honeymoon-on-any-budget" aria-label="read more about How to Have a Memorable Honeymoon on a Budget">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: 5 Tips to Make Better Financial Decisions</div> <div> <p> Ready to make better financial decisions? Check out these 5 simple steps you can take to gain control of your finances. </p> </div> <a href="/personal/resource-center/managing-your-finances/infographic-5-tips-better-financial-decisions" aria-label="read more about Infographic: 5 Tips to Make Better Financial Decisions">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">8 Money Management Terms Every Young Adult Needs to Know</div> <div> <p> From debit cards to interest rates, here are the most important money-related terms you need to know as a financially savvy young adult. </p> </div> <a href="/personal/resource-center/managing-your-finances/8-money-management-terms-every-young-adult-needs-to-know" aria-label="read more about 8 Money Management Terms Every Young Adult Needs to Know">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Use an Allowance to Teach Your Kids About Money</div> <div> <p> Giving kids an allowance helps them learn how to manage money, but only if you're actively teaching them good practices. Here's how. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-use-an-allowance-to-teach-your-kids-about-money" aria-label="read more about How to Use an Allowance to Teach Your Kids About Money">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Close a Bank Account When Someone Dies </div> <div> <p> Closing a bank account when someone passes away isn't difficult, as long as you have the right paperwork for the the teller or banker. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-close-a-bank-account-when-someone-dies" aria-label="read more about How to Close a Bank Account When Someone Dies ">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What to Do When a Credit Card Holder Passes Away</div> <div> <p> Managing the financial affairs of a deceased loved one can be challenging, but closing their credit cards doesn't have to be. Get started here. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-to-do-when-a-credit-card-holder-passes-away" aria-label="read more about What to Do When a Credit Card Holder Passes Away">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Use Banking Alerts to Manage Money and Prevent Fraud</div> <div> <p> Banking alerts can notify you when your balance gets low or when certain transactions are made. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-use-banking-alerts-to-manage-money-and-prevent-fraud" aria-label="read more about How to Use Banking Alerts to Manage Money and Prevent Fraud">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">4 Budgeting Tips to Help You Save Money</div> <div> <p> You don't have to live like a starving student just to stick to your budget. Here are five easy and effective ways to save more money. </p> </div> <a href="/personal/resource-center/managing-your-finances/4-budgeting-tips-to-help-you-save-money" aria-label="read more about 4 Budgeting Tips to Help You Save Money">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Type of Personal Loan is Right For You?</div> <div> <p> Personal loans can be a great alternative to high-interest borrowing options when you have a major expense to cover. Here's how they work. </p> </div> <a href="/personal/resource-center/managing-your-finances/what-type-of-personal-loan-is-right-for-you" aria-label="read more about What Type of Personal Loan is Right For You?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: How to Create a Family Budget</div> <div> <p> Trying to get your family's spending under control? This infographic shows you step by step how to create a budget for your family.  </p> </div> <a href="/personal/resource-center/managing-your-finances/infographic-how-to-create-a-family-budget" aria-label="read more about Infographic: How to Create a Family Budget">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Smart Uses for a Home Equity Line of Credit</div> <div> <p> A HELOC is a line of credit that's based on the equity in your home. If you're considering getting a HELOC, consider all the facts first. </p> </div> <a href="/personal/resource-center/managing-your-finances/smart-uses-for-a-home-equity-line-of-credit" aria-label="read more about Smart Uses for a Home Equity Line of Credit">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Create a Family Budget</div> <div> <p> Creating a family budget doesn't have to be difficult, especially with this simple template. Here's how to get started — and how to keep your budget on track. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-create-a-family-budget" aria-label="read more about How to Create a Family Budget">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Do I Need a Certificate of Deposit or a Money Market Account?</div> <div> <p> Find out how CDs and MMAs work, how they differ, and how to decide which is best for your situation. </p> </div> <a href="/personal/resource-center/managing-your-finances/do-i-need-a-cd-or-mma" aria-label="read more about Do I Need a Certificate of Deposit or a Money Market Account?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Much Money is Available in My Checking Account?</div> <div> <p> Overdrafting your account is a real pain, especially considering overdraft fees can be as much as $40 each. Know how to prevent overdrafts. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-much-money-is-available-in-my-checking-account" aria-label="read more about How Much Money is Available in My Checking Account?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include Basic hidden"> <div class="heading-level-three bottom-padding-10">Should You Enroll in a Credit Card Rewards Program?</div> <div> <p> Looking for a credit card that offers rewards? Here's what you need to know about the types of rewards cards available. </p> </div> <a href="/personal/resource-center/managing-your-finances/should-you-enroll-in-cc-rewards" aria-label="read more about Should You Enroll in a Credit Card Rewards Program?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Ways to Teach Your Kids About Money</div> <div> <p> You don't have to be a financial pro to help your kids grow into money-savvy adults. Follow these tips to help your kids learn how to budget money. </p> </div> <a href="/personal/resource-center/managing-your-finances/5-ways-to-teach-your-kids-about-money" aria-label="read more about 5 Ways to Teach Your Kids About Money">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Tips for Planning a Family Vacation on a Budget</div> <div> <p> Going on a family vacation doesn't have to be expensive. Here are five smart tips to help you spend less and still make great memories. </p> </div> <a href="/personal/resource-center/managing-your-finances/5-tips-for-planning-a-family-vacation-on-a-budget" aria-label="read more about 5 Tips for Planning a Family Vacation on a Budget">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Should I Pay off Debt Early or Save for Retirement?</div> <div> <p> Whether to pay off debt early or save more money for retirement is one of the most common questions people ask financial advisors. </p> </div> <a href="/personal/resource-center/managing-your-finances/should-i-pay-off-debt-early-or-save-more-money-for-retirement" aria-label="read more about Should I Pay off Debt Early or Save for Retirement?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Choose the Right Credit Card</div> <div> <p><span style="color: #333333; background-color: #ffffff;">Reward cards </span><span style="color: #333333; background-color: #ffffff;">come with an astonishing array of choices.</span><span class="redactor-invisible-space" style="color: #333333; margin-bottom: 14px;"> Here's what you need to know<span class="redactor-invisible-space" style="margin-bottom: 14px;"> to choose a credit card that's right for you.</span></span></p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-choose-the-right-credit-card" aria-label="read more about How to Choose the Right Credit Card">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Improve Your Credit Score</div> <div> <p> Your credit score will determine whether you qualify for a loan — and what interest rate you'll pay. Here's how to boost your credit score. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-improve-your-credit-score" aria-label="read more about How to Improve Your Credit Score">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: Understanding Your Credit Score</div> <div> <p> Do you know what your credit score is? This infographic breaks down how your credit score is determined and what the different ranges mean. </p> </div> <a href="/personal/resource-center/managing-your-finances/infographic-understanding-your-credit-score" aria-label="read more about Infographic: Understanding Your Credit Score">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">6 Benefits of Prepaid Debit Cards</div> <div> <p> A prepaid card is a great tool for managing your spending and preventing fraud. Here's what a prepaid card is, and how it works. </p> </div> <a href="/personal/resource-center/managing-your-finances/6-benefits-of-prepaid-debit-cards" aria-label="read more about 6 Benefits of Prepaid Debit Cards">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Budget for Child Care</div> <div> <p> Child care expenses eat a big chunk of your household budget, which you may not expect. Here are ways to lessen the financial impact. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-budget-for-child-care" aria-label="read more about How to Budget for Child Care">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Build Credit Without a Credit Card </div> <div> <p> Getting credit when you don't have credit can be a frustrating Catch-22. Here's how to build good credit without a credit history. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-build-credit-with-no-credit" aria-label="read more about How to Build Credit Without a Credit Card ">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Plan a Wedding for Less Than $10,000</div> <div> <p> You don't need to forego your dream wedding to save money. Use these five tips to have a great wedding for one-third of the average cost. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-plan-a-wedding-for-10000-or-less" aria-label="read more about How to Plan a Wedding for Less Than $10,000">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">4 Tips for Financial Spring Cleaning</div> <div> <p> If you're in the spring cleaning spirit, don't neglect one important area of your life: your finances. Here are some tips to get started. </p> </div> <a href="/personal/resource-center/managing-your-finances/financial-spring-cleaning" aria-label="read more about 4 Tips for Financial Spring Cleaning">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Understand Your Paycheck</div> <div> <p> It's important to understand how to read your paycheck and check it for errors. You could be having too much (or too little) withheld for taxes! </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-understand-your-paycheck" aria-label="read more about How to Understand Your Paycheck">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: 8 Steps to Manage Your Money in College</div> <div> <p><span style="color: #333333; background-color: #ffffff;">This infographic gives a step-by-step approach to managing your own finances while in college, including how to create and stick to a budget. </span></p> </div> <a href="/personal/resource-center/managing-your-finances/infographic-8-steps-for-managing-your-money-in-college" aria-label="read more about Infographic: 8 Steps to Manage Your Money in College">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Technology Has Changed Banking — For The Better</div> <div> <p> The rise of technology and alternative banking methods is giving banks the chance to serve customers however and wherever they prefer. </p> </div> <a href="/personal/resource-center/managing-your-finances/technology-has-changed-banking-for-the-better" aria-label="read more about How Technology Has Changed Banking — For The Better">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Much Life Insurance Do You Need?</div> <div> <p> Looking for life insurance but don't know where to start? Here's what you need to know to get a life insurance policy that's right for you. </p> </div> <a href="/personal/resource-center/managing-your-finances/life-insurance-how-much-do-you-need" aria-label="read more about How Much Life Insurance Do You Need?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">3 Reasons to Open That Credit Card Offer in Your Mailbox</div> <div> <p> It's easy to want to toss all those credit card offers out with the rest of your junk mail, but they might not be junk at all. Here's why. </p> </div> <a href="/personal/resource-center/managing-your-finances/why-you-should-open-and-consider-that-credit-card-offer" aria-label="read more about 3 Reasons to Open That Credit Card Offer in Your Mailbox">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">8 Steps for Managing Your Money in College</div> <div> <p> With the freedom of college life comes the responsibility of managing your own finances. Here's how to create and stick to a college budget. </p> </div> <a href="/personal/resource-center/managing-your-finances/8-steps-for-managing-your-money-in-college" aria-label="read more about 8 Steps for Managing Your Money in College">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include IdentityTheft Fraud CreditCards hidden"> <div class="heading-level-three bottom-padding-10">What is a Digital Wallet? </div> <div> <p> <span style="background-color: #ffffff; color: #333333;">Digital wallets (also known as mobile wallets) are increasingly becoming the way people choose to store financial information and make everyday purchases. Here's what you need to know. </span> </p> </div> <a href="/personal/resource-center/managing-your-finances/tech-tools-digital-wallets-what-you-need-to-know" aria-label="read more about What is a Digital Wallet? ">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Fast Facts: What's the Real Balance in My Bank Account?</div> <div> <p> <span style="color: #333333; background-color: #ffffff;">Here's a quick guide to four key banking concepts you need to understand to avoid overdrafting your account.</span> </p> </div> <a href="/personal/resource-center/managing-your-finances/fast-facts-what-is-my-real-balance-in-my-checking-account" aria-label="read more about Fast Facts: What's the Real Balance in My Bank Account?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Use Credit Card Rewards</div> <div> <p> Here's how to redeem points for gift cards, travel and more. </p> </div> <a href="/personal/resource-center/managing-your-finances/how-to-use-credit-card-rewards" aria-label="read more about How to Use Credit Card Rewards">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">The Truth About Holiday Deals</div> <div> <p> The holiday season is known for major shopping days like Black Friday and Cyber Monday. But the deals might not be as great as you think. </p> </div> <a href="/personal/resource-center/managing-your-finances/the-truth-about-holiday-deals" aria-label="read more about The Truth About Holiday Deals">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Tips to Help You Become Financially Fit in The New Year</div> <div> <p> Is getting financially fit one of your New Year's resolutions? If so, here are 5 tips to help make it happen. </p> </div> <a href="/personal/resource-center/managing-your-finances/5-tips-to-become-financially-fit-in-the-new-year" aria-label="read more about 5 Tips to Help You Become Financially Fit in The New Year">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">End-of-Year Tax Tips</div> <div> <p> Minimizing your tax burden can have a major impact on your finances in the long term, so here are some year-end tax moves to consider. </p> </div> <a href="/personal/resource-center/managing-your-finances/end-of-year-tax-tips" aria-label="read more about End-of-Year Tax Tips">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Holiday Giving That Aligns With Your Goals</div> <div> <p> This holiday season, consider giving that aligns with your wealth goals and values while also benefitting from tax breaks. </p> </div> <a href="/personal/resource-center/managing-your-finances/holiday-giving-that-aligns-with-your-goals" aria-label="read more about Holiday Giving That Aligns With Your Goals">Read more</a> </div> <div class="row col-xs-12 load-more-section"> <div class="center"> <div class="load-btn-row"> <button type="button" class="btn btn-danger btn-md center-block load-btn btn-load-more" aria-label="LoadMore articles on Managing Your Finances">Load more</button> </div> </div> </div> </div> <div class="border-break top-padding-2 col-lg-12"> <div class="row"> <div class="col-sm-12 divider" style="border-top: 2px solid #e5e5e5;"></div> </div> </div> <div class="container article-container col-lg-12"> <div class="row content-block-large-title-top-padding"> <h2 id="investing">Investing</h2> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">What Is the 1/3, 1/3, 1/3 Investing Strategy?</div> <div> <p> The 1/3, 1/3, 1/3 investing strategy offers a balanced, diversified portfolio that includes cash, securities and non-traditional assets. </p> </div> <a href="/personal/resource-center/investing/what-is-the-one-third-investing-strategy" aria-label="read more about What Is the 1/3, 1/3, 1/3 Investing Strategy?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">Investing 101: What Is Rebalancing Your Portfolio?</div> <div> <p> When markets move, it can impact the allocation within your portfolio — and that's where rebalancing plays a role in good financial advice. </p> </div> <a href="/personal/resource-center/investing/investing-101-is-it-time-to-rebalance-your-portfolio" aria-label="read more about Investing 101: What Is Rebalancing Your Portfolio?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">The Fundamentals of Investing</div> <div> <p> <span style="color: #333333; background-color: #ffffff;">Whatever your personal financial goal, you need a fundamental understanding of these five common investment instruments.</span> </p> </div> <a href="/personal/resource-center/investing/the-fundamentals-of-investing-what-you-need-to-know" aria-label="read more about The Fundamentals of Investing">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Estate Planning 101: 7 Key Terms to Know</div> <div> <p> Familiarizing yourself with key estate planning terms is an essential step in managing your financial assets. </p> </div> <a href="/personal/resource-center/investing/estate-planning-basics-7-key-terms-to-know" aria-label="read more about Estate Planning 101: 7 Key Terms to Know">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: What Is a 'Bear' Market?</div> <div> <p> A bear market sounds scary — but long-term investors don't need to fear. Here are some ideas for how to deal with a bear. </p> </div> <a href="/personal/resource-center/investing/investing-101-what-is-a-bear-market" aria-label="read more about Investing 101: What Is a 'Bear' Market?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Retirement Planning in an Economic Downturn</div> <div> <p> Rethinking your retirement plans in the face of a market downturn? You may still be able to retire on time. Here's what you need to know. </p> </div> <a href="/personal/resource-center/investing/retirement-planning-in-an-economic-downturn" aria-label="read more about Retirement Planning in an Economic Downturn">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">The Risks of Do-It-Yourself Investing</div> <div> <p> New technology has made it easier than ever for novices to get involved in stock trading. But is it wise to go it alone? We explain the risks. </p> </div> <a href="/personal/resource-center/investing/the-risks-of-do-it-yourself-investing" aria-label="read more about The Risks of Do-It-Yourself Investing">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">A Retirement Checklist</div> <div> <p> <span style="color: #333333; background-color: #ffffff;">If you are hoping to retire in the next few years, this list of questions can help you decide if you're ready and what you should do next.</span> </p> </div> <a href="/personal/resource-center/investing/checklist-are-you-ready-to-retire" aria-label="read more about A Retirement Checklist">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What's the Difference Between a Will and a Trust?</div> <div> <p> Interested in protecting your assets and your loved ones even after you pass away? Then you need a will — and possibly a trust, too. </p> </div> <a href="/personal/resource-center/investing/understanding-the-difference-between-a-will-and-a-trust" aria-label="read more about What's the Difference Between a Will and a Trust?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: What is an Exchange Traded Fund (ETF)?</div> <div> <p> ETFs are gaining in popularity. Here's what you need to know about them, including pros and cons, before you decide to invest. </p> </div> <a href="/personal/resource-center/investing/investing-101-what-is-an-etf" aria-label="read more about Investing 101: What is an Exchange Traded Fund (ETF)?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: The Importance of Diversifying Your Portfolio</div> <div> <p> Diversification helps protect you from risk by spreading your investments across the entire market rather than keeping money in one place. </p> </div> <a href="/personal/resource-center/investing/investing-101-the-importance-of-diversifying-your-portfolio" aria-label="read more about Investing 101: The Importance of Diversifying Your Portfolio">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include Investing Retirement hidden"> <div class="heading-level-three bottom-padding-10">How to Set up Your First 401(k)</div> <div> <p> A 401(k) is one of the best financial tools available to help you save for retirement. Learn more about this valuable employee benefit. </p> </div> <a href="/personal/resource-center/investing/how-to-set-up-your-first-401k" aria-label="read more about How to Set up Your First 401(k)">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: 7 Steps to Help You Save for Retirement</div> <div> <p> No matter what your financial situation is, how old you are, or where you're at in life, here are seven steps you can take to make slow and steady progress towards retirement. </p> </div> <a href="/personal/resource-center/investing/infographic-7-steps-to-help-you-save-for-retirement" aria-label="read more about Infographic: 7 Steps to Help You Save for Retirement">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">4 Ways to Give Investments as Gifts</div> <div> <p> Ready to give a financial gift with the potential to keep on giving? Explore how gifting investments can help you spread the wealth. </p> </div> <a href="/personal/resource-center/investing/4-ways-to-give-investments-as-gifts" aria-label="read more about 4 Ways to Give Investments as Gifts">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Should I Save For Retirement or Pay Down my Student Loans?</div> <div> <p> Choosing between retirement savings and student loan repayment can feel impossible — but this framework can help you make a good decision. </p> </div> <a href="/personal/resource-center/investing/should-i-save-for-retirement-or-pay-down-student-loans" aria-label="read more about Should I Save For Retirement or Pay Down my Student Loans?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What to Do With Investments You Inherit</div> <div> <p> Inherited investments have a few more moving parts than inheriting cash. Learn about transferring ownership and options for your new assets. </p> </div> <a href="/personal/resource-center/investing/what-to-do-with-investments-you-inherit" aria-label="read more about What to Do With Investments You Inherit">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">3 Tips for Managing Medical Expenses in Retirement</div> <div> <p> These three tips will help you think about how to incorporate healthcare costs into your retirement savings plan. </p> </div> <a href="/personal/resource-center/investing/3-tips-for-managing-medical-expenses-in-retirement" aria-label="read more about 3 Tips for Managing Medical Expenses in Retirement">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Maximize College Savings</div> <div> <p> A 529 plan is a useful tool for saving for a child's education. Here's are tips for choosing the right plan for your family. </p> </div> <a href="/personal/resource-center/investing/how-to-maximize-college-savings" aria-label="read more about How to Maximize College Savings">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Save For College With Your Investments</div> <div> <p> 529 plans limit how you can use college savings. This investing strategy helps you reap the 529 benefits while avoiding potential drawbacks. </p> </div> <a href="/personal/resource-center/investing/smart-investing-strategies-for-saving-for-college" aria-label="read more about How to Save For College With Your Investments">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: Understanding Risk Tolerance</div> <div> <p> There's no one right answer to what your risk tolerance "should" be. Learn how to balance risk and reward with your investments. </p> </div> <a href="/personal/resource-center/investing/investing-101-understanding-risk-tolerance" aria-label="read more about Investing 101: Understanding Risk Tolerance">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Traditional vs. Roth 401(k)s</div> <div> <p> Does your 401(k) have a Roth option? Here's what that means and how to decide if you should fund a traditional or Roth 401(k). </p> </div> <a href="/personal/resource-center/investing/traditional-vs-roth-401k" aria-label="read more about Traditional vs. Roth 401(k)s">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Is Estate Planning?</div> <div> <p> An estate plan isn't just for the wealthy. Learn how an estate plan especially a will can help anyone with assets or children. </p> </div> <a href="/personal/resource-center/investing/what-is-estate-planning" aria-label="read more about What Is Estate Planning?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Borrow From Your Retirement Fund</div> <div> <p> Borrowing from your retirement fund allows you to access money in an emergency. Just make sure you're aware of the potential hurdles. </p> </div> <a href="/personal/resource-center/investing/borrowing-from-your-retirement-fund" aria-label="read more about How to Borrow From Your Retirement Fund">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: What Are Portfolio 'Airbags?'</div> <div> <p> Worried about protecting your wealth in a declining market? Here's how you can use portfolio "airbags" to protect your investments. </p> </div> <a href="/personal/resource-center/investing/investing-101-what-are-portfolio-airbags" aria-label="read more about Investing 101: What Are Portfolio 'Airbags?'">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Should I Save or Invest my Money?</div> <div> <p> Saving and investing are critical actions to build your wealth, but they're not the same thing. Learn the importance of each one here. </p> </div> <a href="/personal/resource-center/investing/should-i-save-or-invest-money" aria-label="read more about Should I Save or Invest my Money?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">4 Options For Retirement Income</div> <div> <p> Here are four ways to ensure you have a steady stream of income coming in after you retire. </p> </div> <a href="/personal/resource-center/investing/examining-4-options-for-retirement-income" aria-label="read more about 4 Options For Retirement Income">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Much Should You Rely on Social Security to Fund Your Retirement?</div> <div> <p> Social Security can help you fund your retirement. But you'll need to draw from other income sources too. Here's how to develop a plan. </p> </div> <a href="/personal/resource-center/investing/what-is-the-role-of-social-security-in-funding-your-retirement" aria-label="read more about How Much Should You Rely on Social Security to Fund Your Retirement?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Afford Your Child's Education</div> <div> <p> If you're behind on saving for your child's college expenses, these savings options can help you catch up and be prepared. </p> </div> <a href="/personal/resource-center/investing/how-to-afford-your-childs-college-education" aria-label="read more about How to Afford Your Child's Education">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Easy Ways to Save for Retirement</div> <div> <p> Here are five concrete steps you can take to ensure that you have enough money to retire when the time comes. </p> </div> <a href="/personal/resource-center/investing/easy-ways-to-make-sure-you-have-enough-money-to-retire" aria-label="read more about Easy Ways to Save for Retirement">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Traditional IRA vs. Roth IRA: Which Is Better?</div> <div> <p> Traditional and Roth IRAs offer different tax treatments, and the type you choose can have an impact on your retirement savings balance. </p> </div> <a href="/personal/resource-center/investing/traditional-ira-vs-roth-ira-which-is-best" aria-label="read more about Traditional IRA vs. Roth IRA: Which Is Better?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Start a 529 Savings Plan for Your Children</div> <div> <p> A college degree can be pricey, but a 529 college savings plan can help take the sting out of paying for your child's education. </p> </div> <a href="/personal/resource-center/investing/how-to-start-a-529-college-savings-plan-for-your-children" aria-label="read more about How to Start a 529 Savings Plan for Your Children">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">6 Reasons Why You Need a Financial Plan</div> <div> <p> If you earn an income, it's time to think about putting a financial plan together so you can make the most of the money you have. </p> </div> <a href="/personal/resource-center/investing/6-reasons-why-you-need-a-financial-plan" aria-label="read more about 6 Reasons Why You Need a Financial Plan">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Build and Protect Wealth</div> <div> <p> Is your nest egg at risk? It could be if you don't take these steps to protect your wealth as it grows. Here's what to do to keep it safe. </p> </div> <a href="/personal/resource-center/investing/3-important-steps-in-protecting-your-wealth-and-property" aria-label="read more about How to Build and Protect Wealth">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What Should I Do With My Old 401(k)?</div> <div> <p> You might have a new job, but don't forget about your old 401(k). Here's what to do with your retirement plan when you change careers. </p> </div> <a href="/personal/resource-center/investing/what-should-i-do-with-my-old-401k" aria-label="read more about What Should I Do With My Old 401(k)?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include Investing WealthManagement hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: What is an Annuity?</div> <div> <p> An annuity can offer guaranteed income with tax benefits. Find out if one might fit in your investment strategy. </p> </div> <a href="/personal/resource-center/investing/investing-101-what-is-an-annuity" aria-label="read more about Investing 101: What is an Annuity?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Save For a Major Financial Purchase</div> <div> <p> <span style="color: #333333; background-color: #ffffff;">Dreaming of a sports car or lakefront property? Here's how to save for that big purchase.</span> </p> </div> <a href="/personal/resource-center/investing/saving-for-a-major-financial-purchase" aria-label="read more about How to Save For a Major Financial Purchase">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: What is a Stock Dividend?</div> <div> <p> Earning stock dividends can fast-track your portfolio's growth and supplement investment returns. Learn the basics here. </p> </div> <a href="/personal/resource-center/investing/investing-101-what-is-a-stock-dividend" aria-label="read more about Investing 101: What is a Stock Dividend?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Investing 101: Understanding the Stock Market</div> <div> <p> Investing is an important part of building wealth. But before you begin, it's helpful to understand the basics of how the market works. </p> </div> <a href="/personal/resource-center/investing/investing-101-understanding-the-stock-market" aria-label="read more about Investing 101: Understanding the Stock Market">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Tips for Selecting a Financial Advisor</div> <div> <p> The first step in developing a financial plan is finding the right financial advisor to help you. Here's what to look for. </p> </div> <a href="/personal/resource-center/investing/tips-for-selecting-a-financial-advisor" aria-label="read more about Tips for Selecting a Financial Advisor">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Retirement Goals for Your 20s and 30s</div> <div> <p> Now is the ideal time to start saving for retirement. Learn which retirement planning milestones could be most important in your 20s and 30s. </p> </div> <a href="/personal/resource-center/investing/retirement-planning-goals-to-set-in-your-20s-and-30s" aria-label="read more about Retirement Goals for Your 20s and 30s">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Plan for Retirement After Divorce</div> <div> <p> Divorce doesn't have to derail your retirement plans. No matter where you're starting from, you can still build a comfortable retirement plan. </p> </div> <a href="/personal/resource-center/investing/how-to-plan-for-retirement-after-divorce" aria-label="read more about How to Plan for Retirement After Divorce">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Steps to Begin Planning for Retirement</div> <div> <p> Learn how to identify small steps you can take now to help you reach your ultimate retirement savings objectives. </p> </div> <a href="/personal/resource-center/investing/5-steps-to-begin-planning-your-retirement-journey" aria-label="read more about 5 Steps to Begin Planning for Retirement">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">ESG Investing: 3 Questions to Ask Your Financial Advisor</div> <div> <p> When it comes to investing, there's no foolproof method for ensuring the highest returns. But you can feel good about where you put your money if your investments align with your personal beliefs. </p> </div> <a href="/personal/resource-center/investing/esg-investing" aria-label="read more about ESG Investing: 3 Questions to Ask Your Financial Advisor">Read more</a> </div> <div class="row col-xs-12 load-more-section"> <div class="center"> <div class="load-btn-row"> <button type="button" class="btn btn-danger btn-md center-block load-btn btn-load-more" aria-label="LoadMore articles on Investing">Load more</button> </div> </div> </div> </div> <div class="border-break top-padding-2 col-lg-12"> <div class="row"> <div class="col-sm-12 divider" style="border-top: 2px solid #e5e5e5;"></div> </div> </div> <div class="container article-container col-lg-12"> <div class="row content-block-large-title-top-padding"> <h2 id="home">Home Ownership</h2> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">Mortgage-Specific Credit Scores</div> <div> <p> Discover how mortgage-specific credit scores impact your loan terms and learn strategies to improve them for better mortgage deals. </p> </div> <a href="/personal/resource-center/home-ownership/home-specific-credit-scores" aria-label="read more about Mortgage-Specific Credit Scores">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">How to Store Your Down Payment Money</div> <div> <p> Don't delay closing on a home because you can't access your savings. Learn how to store-your-down-payment money so it's readily accessible. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-store-your-down-payment-for-a-home" aria-label="read more about How to Store Your Down Payment Money">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None "> <div class="heading-level-three bottom-padding-10">How to Stop Loan-Related Junk Mail</div> <div> <p> After qualifying or pre-qualifying for a loan, you might notice that your mailbox is a bit fuller than usual or field an influx of spam calls. No, it's not your imagination — applying for a mortgage or other types of loans can cause your junk mail and spam phone calls to multiply. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-stop-loan-related-junk-mail" aria-label="read more about How to Stop Loan-Related Junk Mail">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: Mortgage Application Essentials</div> <div> <p> For a smooth and efficient mortgage application process, you'll have to gather some key documents lenders use to assess your financial situation and determine your eligibility. </p> </div> <a href="/personal/resource-center/home-ownership/infographic-mortgage-application-essentials" aria-label="read more about Infographic: Mortgage Application Essentials">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Preparing Your Home to Sell</div> <div> <p> Are you ready to sell your home? These six tips can help you get ready to list your home to sell it quickly and at the price you want. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-get-your-home-ready-to-sell" aria-label="read more about Preparing Your Home to Sell">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Mortgage Acronyms, Explained</div> <div> <p> The mortgage process is full of confusing acronyms. Learn how to speak the home-buying language to ensure a smoother process. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-acronyms-explained" aria-label="read more about Mortgage Acronyms, Explained">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Prepare Your Home for a Natural Disaster</div> <div> <p> Natural disasters can strike at any time. Being prepared helps ensure that your family — and your home — are protected as much as possible. </p> </div> <a href="/personal/resource-center/home-ownership/prepping-your-home-for-disaster" aria-label="read more about How to Prepare Your Home for a Natural Disaster">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">5 Reasons to Tap into Your Synovus HELOC</div> <div> <p> Most home equity lines come with variable interest rates, but a HELOC can be a game changer. Here are 5 reasons to tap into one. </p> </div> <a href="/personal/resource-center/home-ownership/5-reasons-to-tap-into-your-heloc" aria-label="read more about 5 Reasons to Tap into Your Synovus HELOC">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Identifying and Preventing Mortgage Fraud</div> <div> <p> Mortgage scams can be particularly distressing and costly, given their financial implications. Here are four to watch out for. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-fraud" aria-label="read more about Identifying and Preventing Mortgage Fraud">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Pre-Approved vs. Pre-Qualified: Which is Right for Your Loan?</div> <div> <p> Preapproved and prequalified sound similar but they mean different things when getting a mortgage. Understand each before making an offer. </p> </div> <a href="/personal/resource-center/home-ownership/pre-approved-v-pre-qualified-which-is-right-for-your-mortgage-loan" aria-label="read more about Pre-Approved vs. Pre-Qualified: Which is Right for Your Loan?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Choose the Right Real Estate Agent</div> <div> <p> Before you start shopping for a home, you need to shop for a real estate agent. Here's how to choose the one that's right for you. </p> </div> <a href="/personal/resource-center/home-ownership/6-tips-for-choosing-the-right-real-estate-agent" aria-label="read more about How to Choose the Right Real Estate Agent">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is a Conventional Loan?</div> <div> <p> A conventional loan is any home loan that's not guaranteed or insured by the government. You can apply for one through your local bank. </p> </div> <a href="/personal/resource-center/home-ownership/what-are-conventional-loans" aria-label="read more about What is a Conventional Loan?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Should I Renovate or Sell My House?</div> <div> <p> Should you renovate your home or sell it? Consider the pros and cons of both options before you take steps in either direction. </p> </div> <a href="/personal/resource-center/home-ownership/should-i-renovate-or-sell-my-house" aria-label="read more about Should I Renovate or Sell My House?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is an FHA Loan?</div> <div> <p> FHA loans are federally-backed loans that help those with lower incomes or limited savings become homeowners. Here's what you need to know. </p> </div> <a href="/personal/resource-center/home-ownership/what-are-fha-loans" aria-label="read more about What is an FHA Loan?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is a USDA Loan?</div> <div> <p> USDA loans are federally-backed loans that help those with lower incomes or limited savings buy homes in rural communities and small towns. </p> </div> <a href="/personal/resource-center/home-ownership/what-are-usda-loans" aria-label="read more about What is a USDA Loan?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: How Long it Takes to Process a Mortgage</div> <div> <p> Applying for a mortgage may seem like a big step to take, but when you separate the process into bite-size pieces, it's less intimidating. </p> </div> <a href="/personal/resource-center/home-ownership/infographic-mortgage-process-timeline" aria-label="read more about Infographic: How Long it Takes to Process a Mortgage">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What First-Time Homebuyers Need to Know Before Getting a Mortgage </div> <div> <p> For first-time home buyers, strange terminology and confusing paperwork can be intimidating. Here's what you should know. </p> </div> <a href="/personal/resource-center/home-ownership/7-things-to-know-before-applying-for-a-mortgage" aria-label="read more about What First-Time Homebuyers Need to Know Before Getting a Mortgage ">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include Mortgage hidden"> <div class="heading-level-three bottom-padding-10">When Should I Refinance My Home?</div> <div> <p> Low interest rates are a good reason to refinance, but they're not the only factor. Here's what you need to know. </p> </div> <a href="/personal/resource-center/home-ownership/what-to-know-about-mortgage-refinancing" aria-label="read more about When Should I Refinance My Home?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Fixed-Rate vs. Adjustable-Rate Mortgages</div> <div> <p> Find out the differences between fixed- and adjustable-rate mortgages, and when it makes sense to choose one over the other. </p> </div> <a href="/personal/resource-center/home-ownership/fixed-vs-adjustable-rate-mortgages" aria-label="read more about Fixed-Rate vs. Adjustable-Rate Mortgages">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Long it Takes to Process a Mortgage</div> <div> <p> Applying for a mortgage may seem like a big step to take, but when you separate the process into bite-size pieces, it's less intimidating. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-process-timeline" aria-label="read more about How Long it Takes to Process a Mortgage">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is a VA Mortgage Loan?</div> <div> <p> Learn how a VA home loan can help active service members, veterans, and surviving spouses purchase their new home. </p> </div> <a href="/personal/resource-center/home-ownership/va-mortgage-loans" aria-label="read more about What is a VA Mortgage Loan?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What to Do With a House You Inherit</div> <div> <p> Beneficiaries of a house can move in, sell or rent it, but they need to make decisions with other heirs and professional advice. </p> </div> <a href="/personal/resource-center/home-ownership/what-to-do-with-a-house-you-inherit" aria-label="read more about What to Do With a House You Inherit">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Comparing a Cash-Out Refinance With a HELOC for Emergency Funds</div> <div> <p> Many consumers need a cash infusion to fill the gap in today's challenging economic time. Find out how a cash-out refi and a HELOC compare. </p> </div> <a href="/personal/resource-center/home-ownership/using-a-heloc-or-cash-out-refinance-for-emergency-funds" aria-label="read more about Comparing a Cash-Out Refinance With a HELOC for Emergency Funds">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Prevent Costly Home Maintenance Repairs</div> <div> <p> Regular maintenance can help your home retain value and prevent costly emergency repairs or replacements. Here are 9 steps to take. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-prevent-costly-repairs-by-maintaining-a-clean-home" aria-label="read more about How to Prevent Costly Home Maintenance Repairs">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">The Different Types of Home Insurance</div> <div> <p> If disaster strikes, homeowners insurance can help make you whole. Here's what you should consider as you shop for a policy. </p> </div> <a href="/personal/resource-center/home-ownership/what-are-the-different-types-of-home-insurance" aria-label="read more about The Different Types of Home Insurance">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include Mortgage hidden"> <div class="heading-level-three bottom-padding-10">How to Avoid Your Home Going Into Foreclosure</div> <div> <p> If you're having difficulty paying the mortgage, there are ways to keep your home and avoid foreclosure. Here's how. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-avoid-home-foreclosure" aria-label="read more about How to Avoid Your Home Going Into Foreclosure">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include Mortgage hidden"> <div class="heading-level-three bottom-padding-10">Everything You Need to Know About Buying Your First Home</div> <div> <p> Steps to buying your first home include checking your credit report, finding a lender, getting preapproved for a mortgage, examining loan options, and more. </p> </div> <a href="/personal/resource-center/home-ownership/7-tips-for-first-time-homebuyers" aria-label="read more about Everything You Need to Know About Buying Your First Home">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How Do I Get Pre-Qualified for a Mortgage?</div> <div> <p> To get prequalified for a mortgage, you'll need to prove to the bank that you're financially prepared to take on a loan payment. Here's how. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-basics-how-do-i-get-prequalified-for-a-mortgage" aria-label="read more about How Do I Get Pre-Qualified for a Mortgage?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Should I Rent or Buy a Home?</div> <div> <p> How do you know if it makes financial sense for you to own a home? These four questions can help you decide if you should rent or buy. </p> </div> <a href="/personal/resource-center/home-ownership/should-i-rent-or-buy-a-home" aria-label="read more about Should I Rent or Buy a Home?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Afford a Mortgage on Your Budget</div> <div> <p> Find out whether you can afford a mortgage on your budget — even if you've never owned a home or if you've always rented. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-afford-a-mortgage-on-your-budget" aria-label="read more about How to Afford a Mortgage on Your Budget">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">6 Mistakes Homebuyers Make</div> <div> <p> Whether you're buying a home for the first time or you're a seasoned pro, there are a handful of common mistakes to look out for when purchasing a home. </p> </div> <a href="/personal/resource-center/home-ownership/6-common-mistakes-homebuyers-make-and-how-to-avoid-them" aria-label="read more about 6 Mistakes Homebuyers Make">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Different Types of Mortgages</div> <div> <p> Buying a home is an important milestone, but so is choosing the right type of mortgage. Use this guide to help understand your options. </p> </div> <a href="/personal/resource-center/home-ownership/understanding-the-different-types-of-mortgages" aria-label="read more about Different Types of Mortgages">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">6 Ways to Increase the Value of Your Home</div> <div> <p> <span style="color: #333333; background-color: #ffffff;">It's wise to have a home improvement plan that can increase the market value of your home for the least amount of investment.</span> </p> </div> <a href="/personal/resource-center/home-ownership/6-ways-to-increase-the-value-of-your-home" aria-label="read more about 6 Ways to Increase the Value of Your Home">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">Infographic: How to Budget for 5 Common Home Repairs</div> <div> <p> This infographic outlines 5 common home repairs and how much they typically cost so you can budget for these issues ahead of time. </p> </div> <a href="/personal/resource-center/home-ownership/infographic-5-common-home-repairs" aria-label="read more about Infographic: How to Budget for 5 Common Home Repairs">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">How to Buy a For Sale by Owner Home</div> <div> <p> You can buy a FSBO without the help of a real estate agent—the trick is knowing how. Learn eight steps on how to buy a FSBO home. </p> </div> <a href="/personal/resource-center/home-ownership/how-to-buy-fsbo" aria-label="read more about How to Buy a For Sale by Owner Home">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What are Mortgage Points?</div> <div> <p> There are two types of mortgage points: discount points and origination points. Learn the difference and how mortgage points can help you. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-basics-what-are-mortgage-points" aria-label="read more about What are Mortgage Points?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is PMI?</div> <div> <p> Private mortgage insurance is a type of loan insurance that some buyers are required to pay to protect the lender. Find out more about PMI. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-basics-what-is-pmi" aria-label="read more about What is PMI?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is a Down Payment?</div> <div> <p> What is a down payment? How much is it? And where does the cash come from? Learn more about how to take this key step toward home ownership. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-basics-what-is-a-down-payment" aria-label="read more about What is a Down Payment?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What is an Escrow Account?</div> <div> <p> Escrow can confuse even the most savvy home buyers. Here are answers to the most frequently asked questions about escrow accounts </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-basics-what-is-an-escrow-account" aria-label="read more about What is an Escrow Account?">Read more</a> </div> <div class="col-xs-12 col-md-4 right-padding-20 bottom-padding-20 rc-article include None hidden"> <div class="heading-level-three bottom-padding-10">What are Closing Costs? </div> <div> <p> What are closing costs? How much are closing costs? And who pays closing costs? We break it down to ensure there are no surprises. </p> </div> <a href="/personal/resource-center/home-ownership/mortgage-basics-what-are-closing-costs" aria-label="read more about What are Closing Costs? 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