Category: Protecting Your Future

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Is Debt Consolidation a Good Fit for You?

Posted by FirstCapital Bank of Texas

Are you one of the 80 percent of Americans living with debt? There are a variety of  ways in which people find themselves in debt: While the most common form is mortgage debt, which accounts for 44 percent of debt for almost every generation, millennial debt is fairly evenly divided between student loans (41 percent),[…]  Read more

 
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Personal Loans and You

Posted by FirstCapital Bank of Texas

 The best things in life are free: For everything else, there are personal loans. Personal loans are a great solution to your borrowing needs, whether it’s for a car, a new home or renovation, or other large purchases. Personal loans are very versatile, but they can also be a little confusing. Here are some[…]  Read more

 
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3 Ways to Boost Your Credit Score

Posted by FirstCapital Bank of Texas

“What’s your credit score?” It’s a question you’re bound to hear whenever you’re about to make a major purchase or financial commitment—and the answer can change your life. Whether it’s for a new car, a credit card, school loans, an apartment or mortgage, or, yes, even your dream job, your creditworthiness is a huge factor[…]  Read more

 
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8 Tips to Protect Your Identity

Posted by FirstCapital Bank of Texas

According to a recent study, more than 15 million U.S. consumers were victims of identity theft in 2016, up from nearly 2.4 million victims in 2015. As identity theft continues to be a major threat, FirstCapital Bank of Texas is offering tips to help consumers proactively protect their information from identity thieves. In honor of[…]  Read more

 
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How to Protect Your Loved One from Financial Abuse

Posted by FirstCapital Bank of Texas

Financial exploitation is one of the most common forms of abuse committed against older Americans. According to a Metlife study, an estimated $2.9 billion is lost annually to scams explicitly targeting seniors. The American Bankers Association Foundation is urging older Americans and their caregivers to join the fight against financial abuse and take active steps[…]  Read more

 
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7 Money Tips Millennials Can Bank On

Posted by Guest Contributor

As millennials face unprecedented financial burdens such as student debt, the American Bankers Association is highlighting seven money tips to help them plan for a financially sound future. “With student debt and high housing costs creating challenges for many millennials, now is a better time than ever for them to map out their finances and[…]  Read more

 
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Calculating Your Credit Score

Posted by Jeremy

In my last blog piece, I discussed the importance of your credit score, what it means and how it can help you. Now that you know what is considered a good score, let’s learn how your credit score is calculated. How is it calculated? There are five major categories that are considered when a FICO®[…]  Read more

 
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Get an A+ on Your Credit Score

Posted by Jeremy

Over my years as a banker, I have come to understand how credit scores affect several aspects of our everyday life. But for something that matters so much, there are still plenty of myths and misconceptions out there.  Here are some helpful points to understand the credit score world: What the score means … Your credit score[…]  Read more

 
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Why Good Credit Matters

Posted by Barrett Power

When I turned 18 everyone asked if I would do all of the things people who turn 18 are allowed to do: play the lottery, lease an apartment or house, buy a new car, etc. While some of these might have been helpful, more often than not, they amount to throwing money away. The one important thing[…]  Read more

 
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Preferred Stock: What Is It?

Posted by Brad Burgess

When starting a new business venture or trying to expand your existing business, the key is the level of capital (cash) that will be required to accomplish the new start-up or expansion. Typically a business owner will inject its own internal capital partnered with a certain level of bank financing to facilitate the project. Unfortunately, many[…]  Read more

 
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