Should I refinance my auto loan?

Telltale signs you should refi

September 21, 2020

BECU's Todd Pietzsch explains how to know when you should refinance, and when you should just double down and pay off the car.

Money Tips

How much should be in your emergency fund?

How much do you have saved for an emergency?  It might not be enough.  3 to 6 months is best.  take a moment to check your finances and make sure you have 3 to 6 mortgage payments, car payments, grocery bills, etc. saved up.  If not, just get started putting a little away each month.  You'll get...Read more

Rebalancing Your Investments

When was the last time you took a look at the asset allocation of your investments?  A process known as rebalancing is the periodic adjustment of your portfolio to restore the desired asset allocation mix.

With the recent increases in the stock market, your investments may have behaved...Read more

Saving for College

The Washington State Guaranteed Education Tuition program or GET program is only one option!

You’re not limited to just the GET, rather, you can choose from plans available in other states as well.

To find out your options with other state plans visit...Read more

Saving on Auto Insurance

Auto insurance is probably one of your larger expenses, so periodically take so time to see if it can be reduced. Here are a few ideas to lower your premium.

  • Check for discounts for paying the premium in full vs. monthly installments
  • Consider a higher deductible.  Moving to a
  • ...Read more

Lease vs. Buy

Should you buy or lease your next car?  Most experts would advise that in the long run buying is more economical than leasing.  When you lease a car you are essentially just paying for depreciation and financing the difference between what the car cost now, and what it is expected to be worth at...Read more

Finding a Credit Counselor

Whether it is too much credit card debt or falling behind on auto or mortgage payments, many of us face a financial crisis at some time in our life.  Who will you turn to for help?

Promises to eliminate your any portion of your debt or eliminate legitimate credit items should raise a red...Read more

Rental Car

Have you considered renting a car to take that family trip versus using your own car?  

According to AAA it costs 57 cents per mile to operate a car.  If you are planning a long trip, renting may be the smarter option.  If you do rent a car, before you take your trip check with your auto...Read more

Kids and Money

Talking about money with kids often begins and ends with “How much do you need?” however, we are missing out on a great opportunity to teach our kids important lessons about managing money.

Start by helping them learn the difference between needs such as clothing and wants such as money to...Read more

Wallet Audit

You should never leave your valuables in your car but, sometimes, life gets in the way.  One of the most important things that you can do to protect your finances and your identity is to audit your wallet.  Make a list of all the items in your wallet or purse.  If you have automatic payments...Read more

Imposter Scams

Imposter fraud occurs when a fraudster poses as someone he or she is not in order to steal your money.   You get a call from someone claiming to be from the IRS indicating you owe money sometimes even being threatened to be put in jail if you will not pay.  These scams come in many forms from...Read more

Social Security

You may start collecting Social Security retirement benefits as early as age 62.  However the longer you wait, the higher the monthly payments you and possibly your spouse will recieve.  Wait until you're 70 and your payment will increase by 76%. Take some time to consider your options around...Read more

Buying a Home in a Tight Market

Advice for home-buying in this seller's market: Don’t be the buyer who waits until the weekend to view a home.  By then it could be sold.  Ask your agent to find out what’s important to the seller.  Craft your offer around the sellers interests.  To make your offer really stand out, include a...Read more


If we get a phone call or a text that it must be coming from a legitimate source right?  No! Criminals are using a technique known as “robo-calling” using a computer to randomly call or send text messages claiming that your card has been blocked with instructions you can follow to unblock the...Read more

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