Wells Fargo

v43_businessTurning 18 opens up a world of opportunity for your children. How well informed they are about new opportunities can make all the difference in their ability to make smart decisions. For many teens, opening their first credit card account is exciting. The freedom of not relying on Mom and Dad for money is alluring. However, children generally lack the foresight required to understand the long-term impact of having poor credit.

v42_wfIf you’ve ever applied for a loan, chances are your lender has brought up the subject of your credit score. Many lenders use a FICO® score – a numeric calculation of your credit report calculated by Fair Isaac Corporation – to obtain a fast objective measure of your credit risk. By understanding the factors that can help or hurt your score, you’ll have a better understanding of how lenders view you as a credit risk – and how you can improve your score.

v40_schoolIt’s back to the classroom for kids across the country – a time for excitement and trepidation by parents and students alike. Will your child be a sports standout? Will he or she succeed socially as well as scholastically?

It’s also a time when your focus on your child’s future intensifies. Will there be money for college? Will my child achieve financial success as an adult?

v38_volunteerOur local schools and nonprofit organizations have always been able to count on financial support from the business community. Their ever increasing need, however, has stretched companies that can only donate so much of their hard-earned profits.

There is another way for your company, large or small, to support our community without putting an extra dent in your donations budget: augment your giving by creating an employee volunteer program to donate free labor to your local organizations.

v37_wfThe opportunity to purchase a vacation home is a “dream come true” for many. Spending time away from home allows you to take a break from work, relax with your family, and enjoy fresh surroundings.

Yet to enjoy the benefits, owners of second homes face a few major responsibilities. Among the most important is protecting their properties — and their financial investments — against life’s unexpected events. Having sufficient insurance for your home-away-from-home can help protect your vacation haven — and your finances.

FALLBROOK CHURCH - CHRISTMAS IN JULY

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