Harmoney Advantage Partner Network

Why do I need to write a will?

Only a written will can guarantee that your instructions will be known and followed after your death. If you do not write a will, state law determines what happens to your wealth. To ensure that your wishes will be carried out, it is imperative that you write a will.

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Where can I find out about college scholarships?

Finding scholarships (grant money other than that provided by a college or university) is a time-consuming task but entirely worthwhile. There are several free scholarship search services available on the Internet. They will compile a profile of your activities, interests, achievements and academics that will then point to scholarship sources that you may be eligible for.

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If I get married, will I become responsible for my spouse's debts?

By marrying, you do not assume responsibility for any debts incurred before marriage. However, you will be responsible for half of the debt incurred during the marriage, unless you specify otherwise in a pre-nuptial agreement.

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How are the interest rates for my auto loan calculated?

Interest rates are determined by the actual lenders and are influenced by several factors, including the existence of credit problems, the amount of the down payment, and the degree of credit risk. Your auto loan expert will explain these factors, and tell you exactly what your interest rate will be.

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