On Banking By KELLY AZZINARO

Deciding to purchase a home is a very big step in life. In addition to deciding on that perfect home, there is also the process of getting approved for a mortgage. Although, this step isn't as fun and often seems frustrating, it is an important step that should be completed before you decide on your dream home.

Being approved (or pre-approved) for a home mortgage does not have to be hard. In fact, dealing with a quality mortgage representative should make this process painless and very informative.

Check or check card? How many people reading this column still use checks at the grocery store? Is this out of convenience or because this is what you are to  doing?

If you are a business owner you know that there are many obstacles to overcome and if you are a new business owner you might even have more.

When a person has a vision to start a new business he needs a partner to help him make it a reality.

SCORE and the SBA are good ways to gather information to help you start your new business.

Recently in the news there have been many instances of fraud and attempted fraud.

Whether over the Internet, the phone or through the mail, consumers need to protect themselves from predators who are trying to steal their money or identity.

In this week's column, the purpose is to inform readers of different types of fraud. Please be aware of these scams. If something does not feel right, or if someone is asking for personal information, it may be a scam.