You're invited to TopLine Credit Union Foundation's 8 th Charitable Lawn Bowling Fundraiser. Enjoy lawn bowling, networking, raffles and auctions. Lawn bowling, similar to bocce ball, is played on large, rectangular greens - and is super easy to play! Join us as a sponsor, bring a team, and/or donate to our auction/raffle.MAPLE GROVE, MN-- (Marketwired - Jan 28, 2014) - TopLine Federal Credit Union has announced that Executive Vice President and COO Tom Smith has been appointed as the credit union's new President ...Oct 11, 2023 · TopLine’s current Bloomington Branch located at 5221 Viking Drive in Bloomington will permanently close on October 13, 2023. TopLine Financial Credit Union, a Twin Cities-based credit union, is ...Mar 18, 2021 · Explore the TopLine Media Library to watch videos highlighting the latest updates and initiatives of TopLine Federal Credit Union. From community givebacks to financial tips, stay connected and informed through our video content. ... November 24, 2021: CU Forward Day 2021. May 25, 2021: Let's Celebrate TopLine's Spring Interns! …Make your check payable to TopLine Financial Credit Union. Please write your account number on your check. Payments can be mailed to: TopLine Financial Credit Union. 9353 Jefferson Hwy. Maple Grove, MN 55369. Become a Member. Sign Up Today. All TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA). Several options are available for additional share insurance coverage in addition to the coverage ... Apply for a Loan Apply for a Mortgage Apply for a Home Equity. Current TopLine members: you can apply for a loan through your Online Banking or by using the buttons above. Prequalify now for TopLine Auto Loan, Personal Loan, Line of Credit, etc. Know your borrowing potential before applying. Apply online for loans/mortgages.Home Equity Line of Credit Interest-Only. TopLine's Home Equity Line of Credit Interest-Only allows you the flexibility to tap into the equity of your home for any reason — home improvements, tuition, debt consolidation, emergencies and more!. Features Include: Interest-Only; Minimum Loan Amount: $10,000 Term: 30 years with a 10-year draw …We've been a five time Best Credit Union in Minnesota—and for a good reason. When you join TopLine Financial Credit Union, you’re not just a member—you’re an owner. That means our profits don’t go to outside shareholders—they go back to you. And that means you’ll enjoy benefits you won’t find at a traditional bank, including:We've been a five time Best Credit Union in Minnesota—and for a good reason. When you join TopLine Financial Credit Union, you’re not just a member—you’re an owner. That means our profits don’t go to outside shareholders—they go back to you. And that means you’ll enjoy benefits you won’t find at a traditional bank, including:COPPER (Cu) Material Properties : Alloy: Solidus: Liquidus: Density gm/cm 3: Young's Modulus of Elasticity: Electrical Conductivity 1.72µohms-cm % of IACS: Thermal Conductivity ... TopLine Corporation 95 Highway 22 W Milledgeville, GA 31061, USA Toll Free USA/Canada (800) 776-9888 International: 1-478-451-5000TopLine Financial Credit Union offers a wide range of business checking accounts to fit your small business financial needs. All accounts offer a variety of free services-including Mobile and Online Banking, Mobile Deposit, Debit Card access, no-fee ATM transactions and overdraft protection. Compare accounts today and choose the one that's ... All TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA). About TopLine Federal Credit Union. TopLine Federal Credit Union, a Twin Cities-based credit union, is Minnesota’s 13 th largest, with assets of more than $678 million and serves nearly 46,500 ... As the 11 th largest credit union in Minnesota TopLine Financial Credit Union stewards over $801.32 Million in assets and proudly serves over 51,000 loyal members. With over 110 dedicated individuals as of April 2024, TopLine Financial is committed to providing exceptional financial services to its members and the community. Contact TopLine. At Minnesota-based TopLine Financial Credit Union, our most important asset is you. We're committed to providing you an experience that meets your individual needs and dedicated to making it easy for you to manage your personal and business finances with us. And we're here to help you get ahead by being your personal ... Since 1935 TopLine Financial Credit Union has been a member-owned financial services cooperative. TopLine Financial Credit Union remains dedicated to helping Twin Cities banking consumers achieve ...TopLine Financial Credit Union. ATTN: New Accounts Department. 9353 Jefferson Highway. Maple Grove, Minnesota 55369. Note: This form is for current TopLine members only. If you are not a TopLine member, please complete the New Member Application to request TopLine services. Open an Account Check Application Status. Routing Number: … Become a Member. Sign Up Today. All TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA). Several options are available for additional share insurance coverage in addition to the coverage ... Copper (Cu) Wire Bondability Tel (800) 776-9888 www.TopLine.tv Quick Summary Rev Feb 1, 2012 Combination Nbr Silicon Die Pads Lead Frame or Substrate Type Plating on bonding fingers Bonding ... TOPLINE Keywords: Cu Copper Wire …Phishing refers to fraudulent emails that appear to come from legitimate institutions and typically ask for your account number, social security number, password and/or other confidential information. If you receive a suspicious email claiming to be from TopLine, please forward it to [email protected] or call us at (763) 391-9494.TopLine Financial Credit Union is a not-for-profit, member-owned financial services cooperative serving the Twin Cities and surrounding areas. Since 1935, we’ve been the …Specialties: TopLine Financial Credit Union is a not-for-profit, member-owned financial services cooperative serving the Twin Cities and surrounding areas. For 80 years, we've been the safe, local banking choice for Minnesotans looking for greater financial peace of mind. Established in 1935. Minnesota-based TopLine Federal Credit Union has a history …TopLine Financial Credit Union. ATTN: New Accounts Department. 9353 Jefferson Highway. Maple Grove, Minnesota 55369. Note: This form is for current TopLine members only. If you are not a TopLine member, please complete the New Member Application to request TopLine services. Open an Account Check Application Status. Routing Number: …TopLine Corporation 95 Highway 22 W Milledgeville, GA 31061, USA Toll Free USA/Canada (800) 776-9888 International: 1-478-451-5000 • Fax: 1-478-451-3000 Email: Info ©2012 TopLine.Feb 28, 2024 · Embedded Resistor • Pb-Free • RoHS • Copper (Cu) Termination For Embedded inside of PC Boards: Size (inch) Size (metric) Taping Standard: Tape Dimensions: Ohm: Qty per Reel: Order Number: 01005: 0402 0.4 x 0.2mm: W8P2 Paper: Width - 8mm Pitch - 2mm: Zero Ohm: 20,000 10,000 5,000 1,000: eSR01005P7A-ZERO …由于此网站的设置，我们无法提供该页面的具体描述。When the amount of federal loans, grants and scholarships may not be enough to cover the total cost of post-secondary education, TopLine can help. Learn More. Routing Number: 291074696. Get competitive rates on personal, auto, home equity loans, and mortgages at TopLine in the Twin Cities. Visit our 5 metro locations today!Location of This Business. 9353 Jefferson Hwy, Maple Grove, MN 55369-4240. Email this Business. BBB File Opened: 7/5/1990. Years in Business: 88. Business Started: 9/1/1935.Contact TopLine for special needs. PCC - Pd Coated Copper (p26~27) Palladium coated Cu wire (PCC) is easier to bond than bare copper wire. The palladium (Pd) coating provides high performance and stable bonding with a wide process window. Wire bonding equipment requires grounding. Diameter 15um~50um. N2 or Forming Gas 95/5. Cu Copper Alloy …Feb 28, 2024 · TO254 TO-254AA TopLine dummy package device for solder training, practice and machine evaluation. www.topline.tv. Contact Us: Tel: 1-800-776-9888 [email protected] www.TopLine.tv: ... TO254-OFHC-G-N = Base Cu Copper TO-254L Tabless Option: TO-254L Rotatable Model Tabless PDF Outline Drawing. Part … TopLine Financial Credit Union makes your busy life easier with convenient Online and Mobile Banking! Now you can check balances, make deposits, apply for loans, set alerts and more from almost anywhere—all with our free, secure and easy-to-use mobile app and online access. Online/Mobile Banking Information. Phishing refers to fraudulent emails that appear to come from legitimate institutions and typically ask for your account number, social security number, password and/or other confidential information. If you receive a suspicious email claiming to be from TopLine, please forward it to [email protected] or call us at (763) 391-9494.TopLine Financial Credit Union has experienced a decrease from Q1 2023 to Q4 2023 of -$7,553,809 in new auto loans issued, which represents a decrease of -12.91%. During the period, the minimum reported number was $50,964,942 and the maximum was $58,518,751. Percentage decline:-12.91%. Decline amount:$-7,553,809.Feb 28, 2024 · TopLine 998xxx series Kit has daisy chain mounting sites for BGA676 (DC269) with 1.0mm pitch and BGA100 (DC109) 0.8mm pitch. Solder mask defined pad for BGA676 is Ø18mils (Ø0.46mm). ... Pad Cu 1.0-oz (copper) 1.4mil (0.035mm) thickness on 4-layers. Board Features: Choice of Final finish: • ENIG (Ni/Au) Gold; LPI Solder Mask - …Feb 28, 2024 · Embedded Resistor • Pb-Free • RoHS • Copper (Cu) Termination For Embedded inside of PC Boards: Size (inch) Size (metric) Taping Standard: Tape Dimensions: Ohm: Qty per Reel: Order Number: 01005: 0402 0.4 x 0.2mm: W8P2 Paper: Width - 8mm Pitch - 2mm: Zero Ohm: 20,000 10,000 5,000 1,000: eSR01005P7A-ZERO …Feb 28, 2024 · TopLine 998xxx series Kit has daisy chain mounting sites for BGA676 (DC269) with 1.0mm pitch and BGA100 (DC109) 0.8mm pitch. Solder mask defined pad for BGA676 is Ø18mils (Ø0.46mm). ... Pad Cu 1.0-oz (copper) 1.4mil (0.035mm) thickness on 4-layers. Board Features: Choice of Final finish: • ENIG (Ni/Au) Gold; LPI Solder Mask - … TopLine Financial Credit Union: Expert banking in the Twin Cities for nearly a century, offering mortgages, IRAs, car loans, and more. TopLine Financial Credit Union. 2,851 likes · 27 talking about this · 46 were here. Since 1935 TopLine Financial Credit Union has been a member-owned financial services …A home equity line of credit or loan from TopLine Federal Credit Union may be the perfect way to pay for those wish list items you've been dreaming about. Whether you use the money for home improvements, a new car, school tuition or travel, you'll enjoy exclusive TopLine benefits-including competitive rates, low (or no) fees, free online ...The prepaid Visa gift card can be used to make purchases in person, online or by phone at the millions of merchants worldwide who accept Visa. Cards are available in values ranging from $20 to $500 and can be purchased at any TopLine Minneapolis/St. Paul metro area location. Cost to purchase a gift card is $4.95.Cúcuta (Spanish: ⓘ), officially San José de Cúcuta, is a Colombian municipality, capital of the department of Norte de Santander and nucleus of the Metropolitan Area of … Mobile App Banking. Mobile banking* is free, safe and a secure way to conduct your banking on the go anytime. Check your balances, view transactions, make transfers, deposit checks, view eStatements, apply for loans, find fee-free ATMs, locate shared branches and much more—all from your phone! Our easy-to-use app is compatible with Android ... Making the Switch is Easy at TopLine! Switch all of your direct deposits and automatic payments to your new or existing account at TopLine Financial Credit Union in minutes! This eliminates the hassle of having to contact each business and helps to ensure that you don’t miss a payment during your account transition. ClickSWITCHVideo. Watch on. Explore TopLine's range of checking accounts with competitive APY rates. Interest, Sterling, and TopLine Checking options tailored for your financial needs. starting at 7.74%*. $31.22. 48 months. starting at 8.49%*. $24.64. *APR means Annual Percentage Rate. APR shown is based on discounts and other factors. Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. APR may vary based on credit profile, loan amount, down payment, term of loan and ... Specialties: TopLine Financial Credit Union is a not-for-profit, member-owned financial services cooperative serving the Twin Cities and surrounding areas. For 80 years, we've been the safe, local banking choice for Minnesotans looking for greater financial peace of mind. Established in 1935. Minnesota-based TopLine Federal Credit Union has a history of growth and expansion that spans several ... Making the Switch is Easy at TopLine! Switch all of your direct deposits and automatic payments to your new or existing account at TopLine Financial Credit Union in minutes! This eliminates the hassle of having to contact each business and helps to ensure that you don’t miss a payment during your account transition. ClickSWITCHVideo. Watch on. Pb90/Sn10 solder columns constructed with electroplated Cu copper shield provides 30% lower thermal resistance than copper wrapped columns to conduct heat away from the bottom of the IC package to the ground-plane of the circuit board as illustrated in Figure 4. The thickness of the Cu copper is 0.025mm to 0.050mm.Apr 2, 2020 · Our Drive Thru Hours Changing 4/6. All TopLine Branch Drive-Thru’s are open to serve you during normal business hours. You will be able to make withdrawals and deposits, request cashier checks and more. Monday – Friday: 9:00 a.m. – 5:00 p.m. Saturday: 9:00 a.m. – 1:00 p.m. Want to Talk to Us. Our Member Care Center is open to …TopLine Financial Credit Union is a not-for-profit, member-owned financial services cooperative serving the Twin Cities and surrounding areas. Since 1935, we’ve been the safe, local banking choice for Minnesotans looking for greater financial peace of mind. TopLine is dedicated to helping members achieve their financial goals by offering ... When the amount of federal loans, grants and scholarships may not be enough to cover the total cost of post-secondary education, TopLine can help. Learn More. Routing Number: 291074696. Get competitive rates on personal, auto, home equity loans, and mortgages at TopLine in the Twin Cities. Visit our 5 metro locations today! TopLine offers a wide range solder columns to meet your needs. Typical solder core materials include both Pb90/Sn10 as well as Pb80/Sn20. ... CU = Copper Pillar Column: Copper Wrap: 8020 = Pb80/Sn20 8515 = Pb85/Sn15 9010 = Pb90/Sn10 Braided Columns: U.S. Patent 10,477,698 CN Patent 111,822,899 Tin-Lead SnPbAbout TopLine Federal Credit Union. TopLine Federal Credit Union, a Twin Cities-based credit union, is Minnesota’s 13 th largest, with assets of more than $678 million and serves nearly 46,500 ... All TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA). Several options are available for additional share insurance coverage in addition to the coverage available to their single ... Debit Card Payment. Access all your loans on one dashboard in TopLine's loan payment portal and make payments 24/7 using a debit card. Please note: loan payments via debit card will be assessed a $10 service fee. Make A Debit Card Payment.Not only do we provide online banking so you have constant access to your accounts here at the credit union, but we also offer a free app so you can have access on the go! We also provide various features within the app to benefit our members. Learn more about our internet and mobile security safeguards here. Please note: Members who do not log ... A TopLine Financial Credit Union Debit Card is the most convenient way to pay for gas, groceries, dining, travel, online purchases and more. Use it instead of writing a check at any merchant where Visa ® is accepted. The purchase amount is automatically deducted from your linked TopLine checking account—so there are no interest charges and ... We've been a five time Best Credit Union in Minnesota—and for a good reason. When you join TopLine Financial Credit Union, you’re not just a member—you’re an owner. That means our profits don’t go to outside shareholders—they go back to you. And that means you’ll enjoy benefits you won’t find at a traditional bank, including:Payment options. Select the option that matches your payment type: Fixed rate term. Traditional amortization produces a fixed monthly payment. The monthly payment calculated will leave a zero balance at the end of the loan's term. 2%, 1.5% or 1% of balance. Your minimum payment is calculated as a percentage of the outstanding …Mar 28, 2024 · Cu Copper Matte Sn100 Plated: T&R 1000pcs Reel: PCB Layout PCB Mounted Model Rotatable Model: 0.5mm 0.8mm 1.0mm 1.3mm 1.5mm 1.6mm 1.8mm 1.9mm 2.0mm 2.2mm 2.4mm 3.2mm 4.0mm: SSL120620E7A-G SSL120630E7A-T ... TopLine Corporation 95 Highway 22 W Milledgeville, GA 31061, USA Toll Free …Bonding Wire RLC Parametric Data. Wire Alloy. Diameter. R (milli-ohm/mm) Ls (nH/mm) Cs (pF/mm) Wire Alloy. Mil. um.Apply For a Home Loan To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.TopLine Financial Credit Union offers a wide range of checking account options to fit your personal financial needs. All accounts offer a variety of free services—including Mobile and Online Banking, Mobile Deposit, Debit Card access, no-fee ATM transactions and more. Compare accounts today and choose the one that’s right for you. Explore TopLine's range of checking accounts with competitive APY rates. Interest, Sterling, and TopLine Checking options tailored for your financial needs. Feb 28, 2024 · TO254 TO-254AA TopLine dummy package device for solder training, practice and machine evaluation. www.topline.tv. Contact Us: Tel: 1-800-776-9888 [email protected] www.TopLine.tv: ... TO254-OFHC-G-N = Base Cu Copper TO-254L Tabless Option: TO-254L Rotatable Model Tabless PDF Outline Drawing. Part … TopLine Financial Credit Union, a Twin Cities-based credit union, is Minnesota’s 13th largest, with assets of more than $650 million. Established in 1935, the not-for-profit cooperative offers a ... Oct 12, 2015 · TopLine Credit Union Foundation is awarding $20,000 in scholarship money to TopLine members continuing their education in fall 2022. Application deadline is August 31, 2022. 🎓💰 👉For more information and to apply visit: ecs.page.link/Bie2h. 1. TopLine Financial CU. @TopLinecu. TopLine Financial Credit Union, a Twin Cities-based credit union, is Minnesota’s 13th largest, with assets of more than $650 million. Established in 1935, the not-for-profit … A TopLine Financial Credit Union Debit Card is the most convenient way to pay for gas, groceries, dining, travel, online purchases and more. Use it instead of writing a check at any merchant where Visa ® is accepted. The purchase amount is automatically deducted from your linked TopLine checking account—so there are no interest charges and ... TopLine Financial Credit Union. 2,851 likes · 27 talking about this · 46 were here. Since 1935 TopLine Financial Credit Union has been a member-owned financial services … [email protected]. NMLS# 1056058. Check Rates / Apply. Full service. Fewer costs. TopLine is a full-service Minnesota mortgage lender. We offer conventional mortgages, FHA, VA, second mortgages, jumbo loans, rural development loans or refinance options. We are also an approved Fannie Mae lender. So whether you are buying your first home ... TopLine Financial Credit Union offers a wide range of business checking accounts to fit your small business financial needs. All accounts offer a variety of free services-including Mobile and Online Banking, Mobile Deposit, Debit Card access, no-fee ATM transactions and overdraft protection. Compare accounts today and choose the one that's ...Santander (Spanish pronunciation: [santanˈdeɾ]) is a department of Colombia.Santander inherited the name of one of the nine original states of the United States of Colombia.It is … All TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA). TopLine Financial Credit Union has experienced a decrease from Q1 2023 to Q4 2023 of -$7,553,809 in new auto loans issued, which represents a decrease of -12.91%. During the period, the minimum reported number was $50,964,942 and the maximum was $58,518,751. Percentage decline:-12.91%. Decline amount:$-7,553,809.Access your accounts anytime, anywhere. View transactions, transfer funds, pay bills, manage budgets, apply for loans, and more. Enroll now at My.TopLinecu.com.Feb 28, 2024 · Bare Cu Board: Fingers without Gold : Order Gerber Data from IPC Store : Kit Order Number System: 900: 0: 24: Board: Plating (Final Finish) Series: Size 4"x4.5" ... TopLine Corporation 95 Highway 22 W Milledgeville, GA 31061, USA Toll Free USA/Canada (800) 776-9888 International: 1-478-451-5000A home equity line of credit or loan from TopLine Federal Credit Union may be the perfect way to pay for those wish list items you've been dreaming about. Whether you use the money for home improvements, a new car, school tuition or travel, you'll enjoy exclusive TopLine benefits-including competitive rates, low (or no) fees, free online ...Cu Wrap Columns Page 14 Pb90/Sn10 Plain Columns Page 15 OFE - CDA101 Copper Columns Page 16 Pb90/Sn10 Cu Wrap Columns Page 17 ... TopLine manufactures a wide range of daisy chain CCGA packages, columns and tools to attach columns to LGA packages. TopLine was founded in 1989.At TopLine, we'll help you make smart decisions about home loans. We'll make sure you're getting the right mortgage for the right reasons. And we'll do everything in our power to …
Apply for a Loan Apply for a Mortgage Apply for a Home Equity. Current TopLine members: you can apply for a loan through your Online Banking or by using the buttons above. Prequalify now for TopLine Auto Loan, Personal Loan, Line of Credit, etc. Know your borrowing potential before applying. Apply online for loans/mortgages.. Famoid followers
About TopLine Financial Credit Union. TopLine Financial Credit Union, a Twin Cities-based credit union, is Minnesota’s 11 th largest credit union, with assets of over $830 million and serves ...Since 1995, Credit Unions Online has been a leading provider of up-to-date, reliable information on credit unions across the United States. Use our locator tool to effortlessly find the best credit unions near you, tailored to meet your financial needs and preferences. Expertise backed by decades of helping users find the best financial services.A home equity line of credit or loan from TopLine Federal Credit Union may be the perfect way to pay for those wish list items you've been dreaming about. Whether you use the money for home improvements, a new car, school tuition or travel, you'll enjoy exclusive TopLine benefits-including competitive rates, low (or no) fees, free online ...Feb 28, 2024 · UBM Al/NiV/Cu: Total Thickness: 16K Å Al= 4K Å / NiV= 4K Å / Cu= 8K Å : Metal Thickness: 8.9K Å (Pitch 152µm) 17K Å (Pitch 204~457µm) Passivation Thickness: 8K Å (Pitch 152~204µm) 10K Å (Pitch 254~457µm) Standard Passivation Type: Nitride : Optional Polyimide Passivation provides:Bonding Wire RLC Parametric Data. Wire Alloy. Diameter. R (milli-ohm/mm) Ls (nH/mm) Cs (pF/mm) Wire Alloy. Mil. um. Access your accounts anytime, anywhere. View transactions, transfer funds, pay bills, manage budgets, apply for loans, and more. Enroll now at My.TopLinecu.com. Managing your money with TopLine's Online Banking is easy, you can: View transactions and account balances. Set up Account Alerts to be delivered by text message or email to any mobile device. Transfer within your TopLine accounts, to another member account or even to another financial institution. Pay bills for free – schedule one time or ...Minnesota-based TopLine Federal Credit Union has a history of growth and expansion that spans several decades. Today, TopLine Federal Credit Union rem …. See more. 0 …TopLine Federal Credit Union, Maple Grove, Minnesota. Since 1935 TopLine Federal Credit Union has been a member-owned financial services cooperative.Santander (Spanish pronunciation: [santanˈdeɾ]) is a department of Colombia.Santander inherited the name of one of the nine original states of the United States of Colombia.It is … [email protected]. NMLS# 1056058. Check Rates / Apply. Full service. Fewer costs. TopLine is a full-service Minnesota mortgage lender. We offer conventional mortgages, FHA, VA, second mortgages, jumbo loans, rural development loans or refinance options. We are also an approved Fannie Mae lender. So whether you are buying your first home ... Feb 28, 2024 · TopLine Mixed Technology 2 Kit. Top side has BGA, QFP, SOIC, SOLJ, SOJ, SOT23, PLCC, chip resistor and capacitor and throughhole components. ... 8 = OSP (Cu) 9 = ENIG Gold (NiAu) 00 = 1 Kit 10 = 10 Kits 25 = 25 Kits 50 = 50 Kits 99 = 100 Kits Other quantites available. Spare Boards: Board Finish: Lead-Free Pb-Free: Order …Topline Pools and Wellness is the UK’s leading specialist in the design, manufacture, build and maintenance of commercial and domestic swimming pools and wellness rooms. With over 30 years’ experience, every pool, spa, sauna and steam room we build is a dedication to detail and quality meticulously tailored to you, your client, your property and your lifestyle.Seminar for ages 14 - 20. High school teens and young adults and their parents will explore the concepts of needs vs. wants, planning and goal setting, saving and paying yourself first, sound money management using checking accounts and debit cards, and using credit wisely..