La Cap Blog

   

Check out our blog articles below!

09
Oct
the closing process for home buyers
October 09, 2019

Purchasing a Home: The Closing Process

So you’ve been pre-approved, and your bid on the perfect house for you and your family has been accepted. You have your down payment. Everything is in place for the final step— it’s time to close. But what exactly does closing entail? In short, some legal things and a whole lot of money.

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24
Sep
Autumn
September 24, 2019

Smart Spending in Autumn

Autumn is in full swing, although it doesn’t always feel like it in Louisiana. During the summer, you probably spent money on things like vacations, swimsuits and extra treats for the kids. During back-to-school time, you probably spent a lot on new clothes for the kids, school supplies, and you may be making tuition payments again.

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16
Sep
why credit unions are great for millennials
September 16, 2019

Why Credit Unions Are Ideal for Millennials and Gen Z

For many young adults — the groups people today often refer to as “millennials and Gen Z”— the idea of a credit union as part of their money management strategy can be confusing. Here are three reasons why credit unions are a better fit for young adults — and how switching could benefit you.

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10
Sep
understanding down payments and PMI for home purchasing
September 10, 2019

Purchasing a Home: Understanding Down Payments and PMI

If you’re considering purchasing a home, you’re likely beginning to realize you need a good chunk of change to do so. The standard amount for a home’s down payment is generally 20% of your home’s purchase value—and that’s not considering the additional closing fees you’ll also have to pay. Here are a few upsides and downsides to consider.

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12
Aug
establishing a financial baseline for emergency savings
August 12, 2019

Savings Stability: Establishing a Financial Baseline

How much money do you need to survive financially if something happens? Do you know? If you don’t, you’re not alone. Learning how to save—and how much you really need to save—is key to financial stability and a money management essential, especially for young adults just getting their footing in a shaky economy.

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