Financial Education

Cheryl Nishita

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Moving into your own place can be exciting and frightening at the same time. The American Bankers Association suggests considering the following questions when choosing your own home.

1. How much money do you have saved up?

Start with an evaluation of your financial health. Figure out how much money you have for a down payment or deposit on a rental. Down payments are typically 5 to 20 percent of the price of the home. Security deposits on rentals are usually about one month of rent and more if you have a pet. But be sure to keep enough in savings for an emergency fund. It’s a good idea to have three to six months of living expenses to cover unexpected costs.

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With a new government report recently released on the accuracy of credit reports, the American Bankers Association provides the following tips on how consumers can better manage their credit reports and credit scores.

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By Dennis Wong, Sr. VP and Oahu Regional Manager, Hawaii National Bank

Q. I’m tired of renting space for my business. Is this a good time to buy a commercial property? If so, how do I get financing and what options are available?

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Protect your ATM card information with these simple safeguards at the ATM:

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At Hawaii National Bank, we provide secure, convenient online banking services. However, you need to be careful about protecting your personal information, backing up your data and watching for Internet scams. Here are some tips:

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Hawaii National Bank will never contact you by e-mail to request confidential and personal information.

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