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Education & Insights
Whatever stage of life you're in, WesBanco has the resources to help you understand and manage your money. Find calculators, tips and more to help you on your journey.
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How Much Mortgage Can I Qualify For?
Carefully selecting a mortgage that you know you can afford will help ensure that you can successfully pay for your new home. This Coach session will guide you through setting a goal monthly mortgage payment and finding how much house you can afford.
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Steps for Buying a Home
Start by defining your goals. Consider where you want to live, the features you're looking for, what you can afford, and a realistic date for having the money you'll need. Then apply your knowledge to making this key decision.
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What a Car Loan Costs
When shopping for a car, it's usually best to start by shopping for a car loan. Read more to learn about the costs of borrowing.
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Getting a Car
When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
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How long will it take to pay off that credit card?
Credit cards often have high interest rates, so it's crucial to pay them off quickly. This calculator will show you how long it will take to pay off your credit card balance and how much you'll end up paying in interest.
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How Credit Cards Work
Shopping with a credit card is a snap, but shopping for the card that’s right for you is another matter. Ask yourself these questions: Do you pay your credit card bills in full and on time each month? If not, do you spread out repayment over a fairly long period of time? Do you shop primarily at one store, or at many locations? The answers can help you choose a card that will help you use credit at the lowest cost.
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Interest
Simply put, interest is the money earned or paid when someone makes or receives a loan. You can be paid interest for keeping money in a bank account, purchasing a bond, or making other investments. You can also pay interest when you borrow money through a loan, credit card, or other line of credit. Interest is calculated as a percentage of the loan.
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How Your FICO Credit Score is Calculated
Your credit score, also called a FICO score, is an actual number, between 300 and 850. The higher the number, the better: a score of 740 to 799 is considered very good, though the average is closer to 700. FICO is an acronym for Fair Isaac & Co., the company that is responsible for tabulating your credit score.
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Using Credit
Loans and credit cards are the types of credit most people use most often. Loans, which let you borrow a lump sum of money, have a longer history. But credit cards, which give you revolving access to a fixed amount of money, called your credit limit, have become a way of life for a majority of people. Revolving access means that as soon as you repay an amount you've borrowed, you can use it again.
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Tax Planning
You can legitimately reduce the tax you owe by planning ahead. Read more to learn some tips on how.
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Need a bit of help?
If you don’t make enough money to cover your basic expenses, there are safeguards in place to help you make ends meet. There are several programs that can assist you with paying for necessities like food, healthcare, and even housing.
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Refinance Loans to Manage or Reduce Debt
What is refinancing and how does it work to consolidate or reduce debt? Loan refinancing can help restructure your debt so it’s easier to pay off.