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Key Takeaways When you’re running a small business, every dollar matters. So, when a bank advertises a free small business checking account, it’s important to double-check what “free” really means. A true cost comparison means looking at the opening deposit, balance requirements, transaction limits, fees, and included banking tools. And while fees are important, they’re … Read more

A practical guide to building a safety net that fits your life, protects your budget, and keeps your money working for you. Key Takeaways Financial stress is on a lot of people’s minds right now, and for good reason. Financial experts recommend that every household keep an emergency fund covering three to six months of … Read more

Both keep your money safe and earning interest. The right choice comes down to one question: how soon will you need it? Key Takeaways When you are choosing between a savings account and a certificate of deposit (CD), the decision really comes down to two things: when you might need access to your money, and … Read more

Key Takeaways A local Points West advisor builds a plan around your real life — context an app or online calculator simply can’t match. Saving for your child’s college doesn’t have to be scary. With a little planning and the right investment tools from Points West Community Bank, it can be one of the calmer … Read more

While most Americans know they need to save for retirement, a quick Google search on Traditional vs. Roth IRAs can often result in more confusion than clarity. The responses are usually buried in IRS jargon, complex tax acronyms, and math that feels disconnected from daily life. Most financial blogs boil the entire decision down to … Read more

While many people dream of building a custom home on several acres with a view of the mountains or the valley below, many Coloradans have to temper those dreams with a dose of financial reality. We call it the “HGTV Effect,” where people see a home and lifestyle they’d like to adopt. With interest rates … Read more