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Should You Help Your Loved Ones Pay Off Debt?

It can be hard watching someone you love struggle with debt, especially if it’s the type of debt they got into without any fault, like medical debt. You may want to jump right in, help with your funds, and try to limit their burden. This is a very noble gesture, but it isn’t a decision […]

How to Build Home Equity

Your home’s equity is a monetary value you can access now or later by selling your home or taking out a home equity loan. Your equity is calculated by subtracting what you owe on your home through a mortgage from the current value of your home if you were to sell it today. Many Americans […]

Differences Between Good Debt and Bad Debt

Many people in the U.S. grew up being told that all debt is “bad” and that it should be avoided at all costs. However, you may have also been told that borrowing money for “good” purposes, such as buying a house, is okay. Very few people can likely get through life these days without taking […]

10 Smart Ways to Spend Your Tax Refund

A tax refund can be a blessing or a curse, depending on how you choose to spend it. If you’re not careful, you might end up wasting your money on things you don’t need, like fancy clothes or a lavish vacation. Instead, why not use your tax refund to pay off debt, save for the […]

Digital Banking Security

Pete Sedgwick is the Chief Information Officer at Empeople and a Certified Information Systems Security Professional. With more than two decades of experience implementing strategies, teams and solutions for large and complex information technology systems across the industry, the Iowa State graduate sits in for us here at the Empeople Daily with a guest blog. […]

Empeople Digital Banking

Welcome to Empeople Digital Banking! We are excited and happy to bring you our new, secure and improved banking experience.  Let’s take a moment to familiarize members with a few facts about Empeople Digital Banking and then look at some new features. At Empeople, we’ve updated your digital banking experience to include instant, secure access […]

6 Questions Before You Buy an RV

Do you find yourself excited about summer vacation this year but still holding out on airplane flights and hotels? If so, you’re not alone. Now more than ever, there’s a growing call to hit the open road and see America from behind the wheel. National parks, beaches, and scenic drives are literally on your doorstep […]

What Does Your Credit Score Mean?

The Fair Isaac Corporation Lending money is a risky business for moneylenders. But risk is also the cost of doing business. To hedge bets in deciding whether to issue a loan, the FICO Credit Score was adopted nationwide in 1989 as the standard gauge for a potential debtor’s creditworthiness. In the days before credit scoring, […]

The 12 Tips of Christmas

If you put all the gifts on the list from the 12 Days of Christmas in one room, it gets noisy! Cackling geese, rude swans, busy hens and all kinds of dancing and drumming. What a racket! But over here at the Empeople Daily we make our holiday lists quietly, and because it’s the end […]

Holiday Spending and Savings

Do things just cost more? Last Christmas how much did you spend on gifts? Do you feel like matching that amount this year? Are we all just long-haul climbers walking up a forever mountain of pre-printed gift season price tags? What if we showed you that the amount you spend on Christmas gifts has an […]