Friday, 25 March 2016

Benefits of Banking Better



Banking activities have shifted their focus recently to catering to the needs of individuals. With the ever-growing era of technology there has been increase in advanced banking activities on a variety of platform to better accommodate people no matter where they are in their life which generates enormous satisfaction from them. Increase in banking and convenience from this is significant and has impacted banks and the banking process positively in many ways.

The varied list of merits that banking sector has been shedding over highlight:

·         Savings: In order to boost motivation for citizens to save, banks offer lucrative interest rates on savings accounts. Alongside this, they also attach various tools to accompany lifetime memberships and certificates that can accumulate competitive interest rates in the viable market. The Individual Retirement Accounts also persuade people to save for their retirement or keep money aside for their children. All this adds up to persuade the users to save and earn from their savings accounts.
·         Visa Debit Cards: Banking sectors also provide online debit and credit cards to add to the convenience of their services and mitigate the risk of theft. They can be paid quickly and conveniently from your existing savings or checking account as well.
http://www.pctfcu.org/


·         Loans: The most beneficial feature that only a bank can offer is the sanction of a loan to individuals at their immediate hour of need. The varied dimensions of consumer loans, and home loans can be personalized to fit each individuals needs.

·         Online banking: Banks also provide online banking networks to support consumers wherever they may be. Making payments and other relative banking activities can be easily maintained from anywhere. 

PCT Federal Credit Union is among one of the most trustworthy banks in WarehamMA and holds specification in imparting remarkable banking amenities to its members. For further assistance, visit the company website: http://www.pctfcu.org/

Thursday, 10 March 2016

Planning Ahead Financially Helps You in the Long Run



It is really tough to fully develop your own successful financial plan for the present and for your future. Are you thinking of a profitable plan for retirement? Do you know your insurance requirements and if you have the right plan? You may be looking for the right investments or be thinking of a plan for savings for the future. Do you want to get your daily expenditures and budget under control? There are goals for the short term as well as long term. All of these questions and plans can be overwhelming, but PCT Federal Credit Union is here to help! Our financial planning Wareham services help people set up the most personalized and best financial plans for the short and long term.

We provide financial planning services such as planning for future income, asset allocation, qualified accounts (IRAs, etc.), insurance programs, investment programs, accounts for education, and non-qualified accounts.  PCT is partnered with John Castelot, RFC of Northeast Planning Associates (NPA) to provide customers with the best and most comprehensive financial planning services.


Below is a more detailed breakdown of the financial planning Wareham services offered:
1.       Financial Planning:  Checking the allocation of assets, tax planning, analysis of cash flow, and organizing of estate. 

2.       Qualified Accounts: These accounts include 401(k), IRA, 403(b), SEPs, and profit sharing plans.
3.       Advisory Accounts: These accounts include mutual fund wrap accounts, as well as strategies for passive and active use.

4.       Insurance Programs: These programs include life insurance, annuities, insurance for disability, and insurance for care in the long term. 

5.       Investment Programs:  These programs include bonds, variable annuities, stocks, REITs, and mutual funds.
6.       Education Accounts:  The services are 529 plans, IRAs for education, UTMAs, and UGmAs.
7.       Non-Qualified Accounts: The service is standard brokerage.

We will be happy to talk to you and provide our best advice for financial planning for your future. Financial planning is achieved by getting your goals established, collecting information, analysis and evaluation of financial position, development of plan, incorporation of plan, and finally checking the plan. 

PCT Federal Credit Union provides financial planning Wareham services, so if you are interested in planning for a sound future, contact us today at http://www.pctfcu.org/.