For over 87 years, Oregonians CU has been a trusted financial partner, boasting a network of 7 branches and 6 ATMs across the country. As the 18 th largest credit union in Oregon Oregonians Credit Union stewards over $347.76 Million in assets and proudly serves over 20,000 loyal members.Jan 17, 2024 · Sure, you want to lose weight or start journaling, but have you made any financial new year’s resolutions? Start by making (and sticking to) a budget, and make part of it building your emergency fund. Get to work on your debt, prioritizing the high-interest things like credit cards. Evaluate your expenses, cut where you can…Oregonian Credit Union. Employee Directory. Oregonian Credit Union corporate office is located in 6915 SE Lake Rd, Milwaukie, Oregon, 97267, United States and has 46 employees. oregonian credit union. oregonians credit union. ians credit union. oregonians credit union. oregonians cu. oregon central credit union.With smartphones always in our pockets, we have the power to be financially empowered! Today we will be covering some of the best apps out there for personal finance. These will help you keep track of spending, invest your hard-earned money, and set budgets. Mint Mint is an extremely popular finance app, and that popularity…Oct 18, 2023 · Oregonians Credit Union is a financial cooperative that brings together neighbors, friends, relatives, employees, members, and the broader community in a special, mutually beneficialOnline Service. Search & BookCancel TicketDownload eTicketBus Timetable. Apply For PassDownload Pass. Apply For New AgentTrack Application Status. Login. Traveller …A six-month payment history is required to skip a loan payment, and you can skip payments on multiple eligible loans during at once. Eligible loans. Auto loans. Personal (signature) loans. Motorcycle loans. Toy loans (RV, ATV, etc.) Skip-a-Pay fee: $25. If you don't have funds in your account to cover the fee, our system will add the fee onto ...May 18, 2022 · If you’re job-hunting, be sure to watch out for #scams looking to harvest your information! If the company doesn’t seem to have a physical address, the emails you get are poorly worded and full of typos or they’re asking for personal information before you’re even hired, run the other way. Also, if they want you…Apr 16, 2009 · 12 views. 1. Oregonians CU. @OregoniansCU. ·. Aug 31. Prices on new and used cars have soared since 2020, and experts aren’t expecting them to fall anytime soon. This week's blog has all you need to know about the state of the market, as well as the pros and cons of buying a car in 2022. Link in our bio #car #shopping #autoloan. Jun 29, 2022 · This tells you what your leased vehicle is expected to be worth at the end of the term, which may be months or years away. To reach your vehicle’s buyout price, add the residual value to any remaining payments. For example, if your car’s residual value is $25,000 and you owe another 10 payments of $500, the car’s buyout price is $30,000. The following fees apply to all checking and money market accounts. Stop Payment (Per Check) $20.00 $60.00 max series. Overdraft Transfer $10.00 (first 3 per month free) Non-Sufficient Funds/ACH NSF $20.00 per item, $60 max/day. Check Copies $5.00 (Free Online) Welcome to eProcurement System. The eProcurement System of Uttarakhand enables the Tenderers to download the Tender Schedule free of cost and then submit …Jun 16, 2021 · As a new homeowner, you likely have a long list of items you need or want to purchase for your new digs. From welcome mats to plungers and wall hangings, there’s lots to buy in the first weeks after moving day. As you browse through window treatments and home decor, don’t forget to stock up…A budgeting app, like YNAB, can make tracking your monthly spending super-easy. You can upload your budget to the app and track expenses throughout the month. The app will let you know how much you’ve spent in each category and warn you when you’re getting close to the limit. Live with your budget. You’re ready to live with a …Mar 13, 2024 · Red flags of technical support scams. You get an unsolicited message or phone call offering tech support for an issue you aren’t having. You’re required to pay for tech support by wire transfer, prepaid gift card or crypto. A pop-up message appears claiming there’s a security issue with your computer and directing you to call a specific ... Oregonians Credit Union. 2,401 likes · 4 talking about this · 3 were here. Where Oregonians Do Their Banking. www.OregoniansCU.com Follow Us! Twitter: @OregoniansCU Instagram: Download the app. Federally Insured by NCUA:Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government. If you are using a screen reader and are having difficulties using our website, please call (503) 239-5336for further ...f you’re thinking of road-tripping your summer getaway, think RVs. Recreational vehicles and their close cousin, campervans, are growing increasingly popular as more families hit the road for a true American adventure that’s easier on the wallet and heavy on the fun. When purchasing an RV, you can go all out with a fully loaded…Aug 18, 2021 · We’ve compiled a step-by-step guide for buying a motorcycle, complete with useful tips to help you make a purchase you’ll enjoy for years to come. Secure financing. A motorcycle will typically cost you anywhere from $2,000 to $16,000, and it’s always best to have the financial details of a large purchase squared away before entering the ... Borrowing from your home equity comes with significantly lower rates than borrowing funds from a credit card or personal loan. Whether you have have tons of equity home or hardly any at all - we've got an equity loan for you. Equity loans info. Equal Housing Lender - Oregonians Credit Union NMLS #403533. Oregonians Licensed Mortgage Originators. 24% academic activities & leadership. 20% community involvement. 16% academic performance. 8% length of Oregonians membership. Oregonians has awarded over $50,000 in student scholarships since the starting of the Oregonians College Scholarship Program in 2007. Scholarships have been awarded to high school students, undergraduate …503-239-5336 | 800-982-2974 | www.OregoniansCU.com . MEMBERSHIP & ACCOUNT AGREEMENT . Effective August 1, 2023 . Welcome to Oregonians Credit Union . Thank you for being an Oregonian(s member). We are thrilled to have you join our credit union family and look forward to serving you for a lifetime. A better way to bank. We've been around since 1936 and we have a proven track record of helping people get ahead financially. When you bank with us, we'll proactively look to make your money work for you. From helping you pay less interest on a loan to improving your credit score quicker, we're here to provide you with a transformational ... Mar 20, 2024 · A budgeting app, like YNAB, can make tracking your monthly spending super-easy. You can upload your budget to the app and track expenses throughout the month. The app will let you know how much you’ve spent in each category and warn you when you’re getting close to the limit. Live with your budget. You’re ready to live with a … Manage your account at 5,600 SHARED BRANCHES. You can feel right at home visiting participating credit unions in all 50 states. You'll have easy access to your money wherever you go. The Oregonians Prineville Branch at 110 NE 5th St is open weekdays. This branch offers a drive-through ATM that accepts deposits. If you suspect you're a victim of fraud or identity theft, call us at 503-239-5336 immediately so we can take preventative measures to protect your account.Get money smart, one topic at a time. Become financially proficient in a matter of minutes. These quick videos explain and interpret key financial information to help you make sense of your money. Click on each of the lessons to learn more about the topic. Check back, new topics will be introduced monthly!Aug 21, 2019 · With smartphones always in our pockets, we have the power to be financially empowered! Today we will be covering some of the best apps out there for personal finance. These will help you keep track of spending, invest your hard-earned money, and set budgets. Mint Mint is an extremely popular finance app, and that popularity…Sep 25, 2019 · Don’t let a Halloween scam spook you! Stay a step ahead of those crooks by looking out for these four scams this season. 1. The shipping scam The internet is brimming with Halloween-themed stores in the months leading up to October 31st. A lot of these retailers offer an impressive selection of costumes, accessories, and…Open a Checking Account Apply for a Credit Card. You may be prompted to call (844) 646-5465 to verify your account (s) when adding your Oregonians card (s) to your digital wallet on your mobile phone. Upon calling, you will be asked verification questions in order to confirm your identity and then your Oregonians card (s) will be activated for ...Manage your account at 5,600 SHARED BRANCHES. You can feel right at home visiting participating credit unions in all 50 states. You'll have easy access to your money wherever you go. The Oregonians Gresham Branch at 247 Powell Blvd is open weekdays. This branch offers a drive-through ATM that accepts deposits and a night drop.If you suspect you're a victim of fraud or identity theft, call us at 503-239-5336 immediately so we can take preventative measures to protect your account.A six-month payment history is required to skip a loan payment, and you can skip payments on multiple eligible loans during at once. Eligible loans. Auto loans. Personal (signature) loans. Motorcycle loans. Toy loans (RV, ATV, etc.) Skip-a-Pay fee: $25. If you don't have funds in your account to cover the fee, our system will add the fee onto ...A six-month payment history is required to skip a loan payment, and you can skip payments on multiple eligible loans during at once. Eligible loans. Auto loans. Personal (signature) loans. Motorcycle loans. Toy loans (RV, ATV, etc.) Skip-a-Pay fee: $25. If you don't have funds in your account to cover the fee, our system will add the fee onto ... 24% academic activities & leadership. 20% community involvement. 16% academic performance. 8% length of Oregonians membership. Oregonians has awarded over $50,000 in student scholarships since the starting of the Oregonians College Scholarship Program in 2007. Scholarships have been awarded to high school students, undergraduate students, and ... Your credit score and financial benefits hinge on responsible credit card usage. Charging purchases like electronics, car rentals, international expenses, fixed bills, online shopping, and mobile phone bills can provide added security, insurance, and credit-building opportunities. Maximizing these benefits while managing spending is key to … Manage your account at 5,600 SHARED BRANCHES. You can feel right at home visiting participating credit unions in all 50 states. You'll have easy access to your money wherever you go. The Oregonians Gresham Branch at 247 Powell Blvd is open weekdays. This branch offers a drive-through ATM that accepts deposits and a night drop. GreenPath Financial Wellness offers you access to debt management services. One-on-one financial counseling and educational tools are available. Connect with our partners with GreenPath here. Description …Mar 13, 2024 · Red flags of technical support scams. You get an unsolicited message or phone call offering tech support for an issue you aren’t having. You’re required to pay for tech support by wire transfer, prepaid gift card or crypto. A pop-up message appears claiming there’s a security issue with your computer and directing you to call a specific ... 503-239-5336 | 800-982-2974 | www.OregoniansCU.com . MEMBERSHIP & ACCOUNT AGREEMENT . Effective August 1, 2023 . Welcome to Oregonians Credit Union . Thank you for being an Oregonian(s member). We are thrilled to have you join our credit union family and look forward to serving you for a lifetime.Getting started with Apple Pay. Open the Wallet app on your iPhone or Apple Watch with iOS 8.1 or later. Swipe down and select the plus sign to add your debit or credit card. Enter your Oregonians card number manually or use your device’s camera to upload it. Note: If your Oregonians card is already on file with iTunes, you may be prompted to ...Welcome to eProcurement System. The eProcurement System of Uttarakhand enables the Tenderers to download the Tender Schedule free of cost and then submit …Dec 4, 2019 · Holiday shopping season is upon us and your (not-so) friendly neighborhood package thieves are gearing up to pilfer the holiday treasures being delivered to your doorstep. We’ve all seen the familiar footage from a home security camera: a fish-eye view of a home’s front porch sporting a stack of smiling Amazon Prime boxes. An unexpected… Getting started with Apple Pay. Open the Wallet app on your iPhone or Apple Watch with iOS 8.1 or later. Swipe down and select the plus sign to add your debit or credit card. Enter your Oregonians card number manually or use your device’s camera to upload it. Note: If your Oregonians card is already on file with iTunes, you may be prompted to ... 3.24%. 3.29%. $2,500. *Annual Percentage Yield. Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. All rates are subject to change at anytime. Account fees may reduce earnings.Welcome to eProcurement System. The eProcurement System of Uttarakhand enables the Tenderers to download the Tender Schedule free of cost and then submit … Member service center. Available Monday-Thursday 9:00 am to 5:00 pm, Friday 9am- 6pm. Call or Text | 503-239-5336. Out of area | 800-982-2974. Send us a message. Date: November 16, 2022 Oregonians Credit Union 0 Comments. What is escrow? Escrow, or “being in escrow,” refers to a legal agreement between two parties (buyer and seller) during a transaction process (such as selling a home) to install a third party on their behalf to hold the paperwork, assets and/or funds until the transaction is complete.Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government agency. Savings, Rewards Checking, CDs, Money Market Accounts - you name it, we've got you covered. Open online or give us a call at 503.239.5336.19 hours ago · Here’s how to spring-clean your savings in five easy steps. Assess your saving habits. First, take stock of how much you’re putting into savings each month. If you believe you should be setting aside more of your monthly income toward savings, look for ways to cut back on your discretionary spending. Spruce up those savings!Feb 21, 2024 · If you’ve been hit with a layoff, you might be feeling adrift. That’s normal, and let yourself feel that way for a bit … then dust yourself off and get back in the game! Find out what sort of severance arrangement you’ll get from your former employer, get a letter of recommendation and leave on…Scammer Tactic #2: Authority. Scammers will often pose as authority figures in an attempt to make demands on their targets without being questioned. Common impersonations include estate lawyers (in email scams offering a large inheritance), government representatives (in tax scams) and law enforcement (in identity theft), but this tactic also ...Membership comes with a full selection of financial services and is available to anyone who lives or works in 13 western and central Oregon counties (see below). When you apply, you will need to provide the following …May 18, 2022 · If you’re job-hunting, be sure to watch out for #scams looking to harvest your information! If the company doesn’t seem to have a physical address, the emails you get are poorly worded and full of typos or they’re asking for personal information before you’re even hired, run the other way. Also, if they want you…You can set up account-to-account (A2A) transfers in digital banking. All you nee... 2 votes. Digital Banking > Services & Features.Contact Oregonians Credit Union in Portland. Phone Number: (503) 239-5336. Toll-Free: (800) 982-2974. Address: Oregonians CU Northeast Portland Branch 336 NE 20th Avenue Portland, OR 97232. Website: Visit Website.Here are five ways to budget while in times of inflation. Groceries can take a huge bite out of a monthly budget. Fortunately, there are ways to trim your grocery bill, even when prices are soaring. First, shop your pantry and fridge before hitting the store. You may not remember exactly what you have at home, and doing a quick scan of your ...The money you place in your Credit Union savings account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country. We have a variety of savings account options including youth accounts, teen savings accounts, money markets accounts, IRA Accounts, and share ... Member service center. Available Monday-Thursday 9:00 am to 5:00 pm, Friday 9am- 6pm. Call or Text | 503-239-5336. Out of area | 800-982-2974. Send us a message. Pay friends, family & other members. Message us for member assistance. Submit stop payments and domestic wire transfers. Submit travel notifications. Manage account activity with notifications. …f you’re thinking of road-tripping your summer getaway, think RVs. Recreational vehicles and their close cousin, campervans, are growing increasingly popular as more families hit the road for a true American adventure that’s easier on the wallet and heavy on the fun. When purchasing an RV, you can go all out with a fully loaded…Mar 25, 2020 · Chances are you’ve heard all the things you should or shouldn’t do when it comes to your credit score — don’t miss payments, keep low credit card balances, etc. So, here are some things that don't affect your credit score. 1. Getting Married Saying “I do” means many things, but your marital status doesn’t have…Make a payment at a participating credit union or by calling 866-692-8669. You can also mail your payment to: Oregonians Credit Union. 6915 SE Lake Rd. Milwaukie, OR 97267. We offer a wide range of home, auto, business, and personal loans as well as credit cards. Find the best loan option for you at Oregonians Credit Union!Manage your account at 5,600 SHARED BRANCHES. You can feel right at home visiting participating credit unions in all 50 states. You'll have easy access to your money wherever you go. The Oregonians St. Johns Branch at 7825 N Lombard St is open weekdays. This branch offers a walk-up ATM that accepts deposits.A budgeting app, like YNAB, can make tracking your monthly spending super-easy. You can upload your budget to the app and track expenses throughout the month. The app will let you know how much you’ve spent in each category and warn you when you’re getting close to the limit. Live with your budget. You’re ready to live with a …The money you place in your Credit Union savings account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country. We have a variety of savings account options including youth accounts, teen savings accounts, money markets accounts, IRA Accounts, and share ...April is Financial Literacy Month. Date: April 12, 2023 Oregonians Credit Union 1 Comment. Financial literacy is the ability to understand and use financial skills, such as responsible money management, budgeting, saving and investing for the future. It’s Financial Literacy Month, so let’s look at some ways to become more financially literate! Oregonians Credit Union is a financial cooperative that brings together neighbors, friends, relatives, employees, members, and the broader community in a special, mutually beneficial Manage your account at 5,600 SHARED BRANCHES. You can feel right at home visiting participating credit unions in all 50 states. You'll have easy access to your money wherever you go. The Oregonians Beaverton Branch at 11240 SW Allen Blvd is open weekdays. This branch offers a walk-up ATM that accepts deposits. When you apply for membership, we'll open a Business Share Account (Savings) which qualifies you to open a business checking, apply for loans, and take advantage of other product and services Oregonians offers. To become a business member, please visit a branch or give us a call at 503.239.5336. CHECK ELIGIBILITY FIND A BRANCH CALL US. 2 Annual fee of $12.00 first charged upon opening. Transfer/advance fee from loan of $2.00. Advances used to cover overdrafts only and are initiated by the credit union. Minimum monthly payment is $25; then 10% of balance, rounded up $5. Limits of $250 to $1,000; cannot exceed limit.Feb 28, 2024 · Q: Should I start investing if I have debt that I am paying off? A: Here are questions that can help you determine whether you should start investing before getting rid of your debt and various factors to consider when making this decision. How high is your interest rate? Your first consideration when making this decision is the interest rate on …Getting started with Apple Pay. Open the Wallet app on your iPhone or Apple Watch with iOS 8.1 or later. Swipe down and select the plus sign to add your debit or credit card. Enter your Oregonians card number manually or use your device’s camera to upload it. Note: If your Oregonians card is already on file with iTunes, you may be prompted to ...Savings, Rewards Checking, CDs, Money Market Accounts - you name it, we've got you covered. Open online or give us a call at 503.239.5336.A budgeting app, like YNAB, can make tracking your monthly spending super-easy. You can upload your budget to the app and track expenses throughout the month. The app will let you know how much you’ve spent in each category and warn you when you’re getting close to the limit. Live with your budget. You’re ready to live with a …Juneteenth - Wednesday, June 19th. Independence Day - Thursday, July 4th. Labor Day - Monday, September 4th. Indigenous Peoples' Day - Monday, October 14th. Veterans Day - Monday, November 11th. Thanksgiving Holiday - Thursday, November 28th & Friday, November 29th. Christmas Day - Wednesday, December 25th. New Years Day - …Hear from our CEO, Management Team and the Oregonians Credit Union Board of Directors. The 2023 Annual Meeting will be held: Wednesday, June 18th. 6:00pm. Milwaukie Meeting Room: 6915 SE Lake Rd. Milwaukie, OR 97267.Hear from our CEO, Management Team and the Oregonians Credit Union Board of Directors. The 2023 Annual Meeting will be held: Wednesday, June 18th. 6:00pm. Milwaukie Meeting Room: 6915 SE Lake Rd. Milwaukie, OR 97267. When you apply for membership, we'll open a Business Share Account (Savings) which qualifies you to open a business checking, apply for loans, and take advantage of other product and services Oregonians offers. To become a business member, please visit a branch or give us a call at 503.239.5336. CHECK ELIGIBILITY FIND A BRANCH CALL US. You want to start investing, but you’re still paying off debt. What to do? Keep in mind that your best investments likely won’t return more than 10%, but credit card rates are running in the neighborhood of 20% or higher, so you’ll want to attend to that first. Good debt like mortgages, home equity loans…Online Service. Search & BookCancel TicketDownload eTicketBus Timetable. Apply For PassDownload Pass. Apply For New AgentTrack Application Status. Login. Traveller …Mar 13, 2024 · Red flags of technical support scams. You get an unsolicited message or phone call offering tech support for an issue you aren’t having. You’re required to pay for tech support by wire transfer, prepaid gift card or crypto. A pop-up message appears claiming there’s a security issue with your computer and directing you to call a specific ... Jun 29, 2022 · This tells you what your leased vehicle is expected to be worth at the end of the term, which may be months or years away. To reach your vehicle’s buyout price, add the residual value to any remaining payments. For example, if your car’s residual value is $25,000 and you owe another 10 payments of $500, the car’s buyout price is $30,000. The following fees apply to all checking and money market accounts. Stop Payment (Per Check) $20.00 $60.00 max series. Overdraft Transfer $10.00 (first 3 per month free) Non-Sufficient Funds/ACH NSF $20.00 per item, $60 max/day. Check Copies $5.00 (Free Online) There's an issue and the page could not be loaded. Reload page. 836 Followers, 490 Following, 1,599 Posts - See Instagram photos and videos from Oregonians Credit Union (@OregoniansCU)24 36 48 3.20% 3.21% 3.29% DEPOSIT RATES 1/5/2024: Certificate Accounts Bump Certificates: IRA Certificate Accounts *All rates are subject to change at anytime. Account fees may reduce earnings. A better way to bank. We've been around since 1936 and we have a proven track record of helping people get ahead financially. When you bank with us, we'll proactively look to make your money work for you. From helping you pay less interest on a loan to improving your credit score quicker, we're here to provide you with a transformational ... Top Workplaces - 09-24-2023. Waterfront Blues Festival - 06-25-2023Mar 25, 2020 · Chances are you’ve heard all the things you should or shouldn’t do when it comes to your credit score — don’t miss payments, keep low credit card balances, etc. So, here are some things that don't affect your credit score. 1. Getting Married Saying “I do” means many things, but your marital status doesn’t have…Oct 18, 2023 · A business Balance Sheet has 3 components: assets, liabilities, and net worth or equity. The Balance Sheet is like a scale. Assets and liabilities (business debts) are by themselves normally out of balance until you add the business’s net worth. What are Assets? An asset is a resource with economic value that a business owns with the ...
March, retail, Gresham | 383 views, 6 likes, 4 loves, 0 comments, 2 shares, Facebook Watch Videos from Oregonians Credit Union: Many of you know and love our Gresham Branch Manager, Brittani Renick..... Teacher websites
由于此网站的设置，我们无法提供该页面的具体描述。Feb 28, 2024 · Q: Should I start investing if I have debt that I am paying off? A: Here are questions that can help you determine whether you should start investing before getting rid of your debt and various factors to consider when making this decision. How high is your interest rate? Your first consideration when making this decision is the interest rate on …About Oregonians Credit Union. Oregonians Credit Union was chartered on Jan. 1, 1937. Headquartered in Milwaukie, OR, it has assets in the amount of $296,143,315. All You Need to Know About Tech Support Scams. March 13, 2024 — 0 Comments. Everyday Finance, Saving, Taxes. If you suspect you're a victim of fraud or identity theft, call us at 503-239-5336 immediately so we can take preventative measures to protect your account. If NO: Please get in touch with us before placing a check order. Call or text us at 503.239.5336, or email us. You may also place an order by visiting any of our branches. If YES: You can order your checks online at the Harland Checks Connect website. You will need: Oregonians Routing Number: 323075709. Your starting check number.Download the app. Federally Insured by NCUA:Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government. If you are using a screen reader and are having difficulties using our website, please call (503) 239-5336for further ...Oct 18, 2023 · The following fees apply to all checking and money market accounts. Stop Payment (Per Check) $20.00 $60.00 max series. Overdraft Transfer $10.00 (first 3 per month free) Non-Sufficient Funds/ACH NSF $20.00 per item, $60 max/day. Check Copies $5.00 (Free Online) Calculate the details. Our calculators give you valuable—and quick—feedback to help you make more informed decisions. From mortgages to retirement plans, our calculators allow you to estimate the value of a loan or deposit from just about every financial product you might need. Home Calculators. Savings Calculators. Retirement Calculators. Dec 31, 2023 · www.oregonianscu.com. Point West Credit Union. Date Authorized: 02/15/34. Amy Nelson, President/CEO. 5257 NE Martin Luther King, Jr. Blvd., Ste. 301 Portland OR 97211 (503) 546-5000 (888) 468-5826. www.pointwestcu.com. Mailing address PO Box 11999, Portland OR 97211. Radio Cab Credit Union.Make a payment at a participating credit union or by calling 866-692-8669. You can also mail your payment to: Oregonians Credit Union. 6915 SE Lake Rd. Milwaukie, OR 97267. We offer a wide range of home, auto, business, and personal loans as well as credit cards. Find the best loan option for you at Oregonians Credit Union!You want to start investing, but you’re still paying off debt. What to do? Keep in mind that your best investments likely won’t return more than 10%, but credit card rates are running in the neighborhood of 20% or higher, so you’ll want to attend to that first. Good debt like mortgages, home equity loans….