Make the most out of your savings and grow your money with Barksdale Federal! Take advantage of our great rates on savings accounts, money markets, and more! Invest in your financial future today and reap the rewards! Option #1 - High Yield Savings Account: 4.00% APY* up to $10,000. Option #2 - Christmas Club Savings Account: 5.25% APY* up to ...Barksdale Federal's participation in the CO-OP Shared Branch network means convenience when, where and how you want it. As our member, you can visit any of the more than 5,500 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Get person to person assistance with your accounts ...May 12, 2020 · On February 2017, the Shanxi Transition and Comprehensive Reform Demonstration Zone was established based on integrating eight major enterprises, universities and research parks. The …The Power of Banking with your Smartphone! Our mobile banking is designed to make your life so much easier! When you download the Erie FCU mobile banking app onto your smartphone or tablet, you're ready to bank anytime and from anywhere! Some of the features of Mobile banking. Mobile Check Deposit - Securely deposit checks …Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Barksdale FCU Branch Location at 5490 Barksdale Blvd, Bossier City, LA 71112 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.Barksdale FCU - 307 Highway 3227, Haughton, LA Map Haughton Branch. Find Nearby Branches. Nearby Barksdale Federal Branches. Stockwell Road Branch. 551 Stockwell Rd Bossier City, LA Open Today. 6.9 miles. Barksdale Center Branch. 700 Northgate Rd Bossier City, LA Open Today. 10.2 miles. BX Branch. If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093. The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.The routing number # 311175093 is assigned to BARKSDALE FEDERAL CREDIT UNION. Routing Number: 311175093: Institution Name: BARKSDALE FEDERAL CREDIT UNION : Office Type: Main office: Delivery Address: 2701 VILLAGE LN, BOSSIER CITY, LA - 71112 (3120) Telephone: 318-746-4773: Servicing FRB Number: 111000038 Servicing Fed's …Text these keywords to 318-549-8145 for quick responses:. APPLY - Apply for a consumer loan LOCATIONS - Find the nearest location RATES - See the latest consumer rates LOST CARD - Report a lost or stolen debit/credit card NEW ACCOUNT - Establish membership and/or open deposit account You can also text the following words to 454545: BAL - See … At Barksdale Federal Credit Union, Jerome leverages his Defense experience in financial management, human resources, and government agency coordination. As a board member, he plays a vital role in decision-making, utilizing his military-honed strategic foresight and governance skills. Jerome holds a Management and Leadership Master's degree, an ... Manage your money anywhere, anytime with BFCU’s mobile app. Visit your app store now and search Barksdale Federal Credit Union. Once the app is downloaded – click “Sign …For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.24 Billion in assets and proudly serves over 155,000 loyal members.For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.DO NOT share personal information with unsolicited callers or texters claiming to be with Shell FCU. We will NEVER ask for your Digital Banking User ID or Password. If YOU initiate contact with us we may send you a one-time authentication code. If uncertain, hang up and call Shell FCU at (713) 844-1100. Thank you for the opportunity to serve you!For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Loan Ratesas Low as5.25%APR*. View All Loan Rates. Lost or Stolen ATM Card or Debit Card? Call 1-800-754-4128.Important Changes to Your Account Terms. • Transactions made on or after 2/1/2024 – the APRs* described below will apply to these transactions. • Transactions made on or …1505 Lakes Parkway, Suite 100. Lawrenceville, GA 30043. Email: Phone: Toll-Free: NMLS #483559. Reach out to Peach State Federal Credit Union and let us know how we can serve your financial needs. We have branches in Georgia and South Carolina.Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent… Bill Pay. Enroll in Online Banking today by selecting "Enroll" on the sidebar of the Online Banking page or download our mobile app by searching for Barksdale Federal Credit Union in your app store. If you need assistance setting-up these digital services, please call 800-647-2328, option 4. For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.24 Billion in assets and proudly serves over 155,000 loyal members.307 Highway 3227 Haughton, LA 71037. Open Today: 9:00 am - 5:00 pm. Learn More. Explore the interactive map of Barksdale Federal Credit Union (Haughton, Louisiana) branch locations.Beyond the basics. At Arizona Financial you'll receive up to 5K in tuition assistance, 10K of life insurance, over 3 weeks of paid vacation, and of course all of the "bank holidays" paid as well. See More. *APY – Annual Percentage Yield. Minimum opening balance and minimum to earn dividends is $1,000 for all Certificates.Barksdale Federal Credit Union / 09 Aug 2021. Barksdale Federal Credit Union. Categories: Banks and Credit Unions, Financial Services. 105 Richards Way Minden, LA 71055 USA. Get Directions. Website. 318-639-6093. Share Post: BUSINESS DIRECTORY SEARCH. Search. Search Term. Business Category1$1,395 is the difference between the amount paid in interest between Healthcare Systems Federal Credit Union's rate at 2.99% APR compared to 4.71% APR for the Virginia market average over the life of a $25,000 auto loan over 60 months. Monthly payments are approximately $17.96 per $1,000 borrowed at 2.99% APR for 60 months.As always if you have any questions or concerns please contact us at 412-221-6660 or [email protected]. Your Dream Home Starts Here. Visionary Federal Credit Union has the home loan options you need! Whether you're planning a new purchase or refinance, our member-friendly solutions can help make it happen.Symposium Held for 2019 Summber International Program Participants. [2019-6-12 ] Shanxi Technology and Business College - Portland State University, USA. [2018-06-30] … Barksdale Federal Credit Union. Online Banking makes it easier to manage your finances. With a pre-approved loan from Barksdale Federal, you have an edge when negotiating the final cost of your vehicle. Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent…Barksdale Federal Credit Union Address 2701 Village Ln, Bossier, LA 71112-3120 Phone 318-746-4773 Type Main Office Servicing FRB 111000038 Last Change 2014-03-07. Barksdale Federal Credit Union. Branch Locations ; Routing Numbers ; Community & Agricultural Banking Small Business Banking Bank Holidays Banking KnowledgebaseSunbelt FCU, central sunbelt, sunbelt, central sunbelt fcu, central sunbelt federal credit union, sunbelt federal credit union, credit union, bank, best credit union, best bank, local bank, local credit union, mississippi credit union, MS, mississippi, best checking, best auto loan, best rate, best mortgage, easy loan, fast loan, find atm, most atm, best loan rate, … Barksdale Federal offers a variety of Business Checking accounts to fit your business needs. Freedom Business Checking Whether you're just starting out or have been in business for years, our Freedom Business Checking is perfect for businesses that don't write many checks or make many deposits on a monthly basis. WELCOME TO ONLINE BANKING. REGISTER FOR ONLINE BANKING. TROUBLE LOGGING IN? CHECK YOUR BROWSER'S COMPATABILITY. Have a question? Read our online banking FAQs. LEARN MORE WITH FAQs & HOW TO's.Barksdale Federal offers a variety of Business Checking accounts to fit your business needs. Freedom Business Checking. Whether you're just starting out or have been in business for years, our Freedom Business Checking is perfect for businesses that don't write many checks or make many deposits on a monthly basis. You can sign in to Online Banking and fill out the Change Jar Opt-in form under Additional Services. Call Member Services at 800-647-2328, option 4. Visit your favorite BFCU center and ask to add to your checking account. *ATM transactions are not included in Change Jar transfers. 2701 VILLAGE LN. BOSSIER CITY. LOUISIANA. The routing / transit number can also be identified from the translation table below. Select / Identify the routing number associated with the region where the account was initially opened. Region. Routing Number. LOUISIANA. 311175093.Unlock the potential of your ideas with Barksdale engineers dedicated to working alongside your team. Shorten lead times and enhance quality with controls manufactured by Barksdale in the United States. Go to market faster, confident that Barksdale control solutions are right for your product or project — and your business objectives. ...Barksdale - Barksdale Air Force Base Exchange 455 Curtiss Rd Bldg 4711 Barksdale Afb, LA, 71110-2423 Phone Number: 318-549-8240 Full Branch Info | Routing Number | Swift Code. Barksdale - Linton Road Center 115 Linton …Join us for a special breakfast with our CEO! It's a wonderful opportunity to connect with our leadership, ask questions, and learn more about our exciting plans for the future. We look forward to seeing you there! Tuesday, April 30. 8:30 am - 10:00 am. Zeeland Street. 2301 Perkins Road, Baton Rouge 70808. RSVP is encouraged, but not required.ZIP Code 030000. The ZIP code 030000 belongs to the district Xiaodian in the province Shanxi, China. Below you can see the ZIP Code for district Xiaodian, Taiyuan in the …For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Barksdale Federal Rewards is simple, easy-to-use program that rewards you with points each time you use your credit and/or debit card. From groceries to fuel to utility bills, your everyday purchases will really pay off. Credit cardholders: Earn 1 point for every $1 spent on signature transactions.Barksdale FCU - Find branch locations near you. Full listings with hours, contact info, Services, Routing Numbers, Membership Eligibility, reviews and more. (HQ: Bossier City, LA) ... Barksdale Federal Credit Union was chartered on Jan. 1, 1954. Headquartered in Bossier City, LA, it has assets in the amount of $1,186,087,422. ...Barksdale FCU - 307 Highway 3227, Haughton, LA Map Haughton Branch. Find Nearby Branches. Nearby Barksdale Federal Branches. Stockwell Road Branch. 551 Stockwell Rd Bossier City, LA Open Today. 6.9 miles. Barksdale Center Branch. 700 Northgate Rd Bossier City, LA Open Today. 10.2 miles. BX Branch.27° Lo. RealFeel® 19°. Partly cloudy; unhealthy air quality for sensitive groups. Wind WNW 9 mph. Wind Gusts 30 mph. Probability of Precipitation 25% Probability of …Mailing Address: 1995 N Pine St , DeRidder, Louisiana 70634-2168: Phone: 337-463-7456Contact Barksdale FCU in Hodge. Location: Hodge Branch. Address: Barksdale FCU Hodge Branch 1026 South First Street Hodge, LA 71247 ( Map) Phone Number: (318) 259-6634. Toll-Free: (800) 647-2328.The Power of Banking with your Smartphone! Our mobile banking is designed to make your life so much easier! When you download the Erie FCU mobile banking app onto your smartphone or tablet, you're ready to bank anytime and from anywhere! Some of the features of Mobile banking. Mobile Check Deposit - Securely deposit checks …Barksdale Federal Credit Union Reviews. August 16, 2022David Cheatwood. Just a few days ago i would have given 5 stars from past rv and auto loans. Lowest rates we could find and friendly service at the Alexandria, LA office. However, I just learned that the current RV loan we have, @ $65,000 balance, CAN NOT be paid off …Opt-in by texting BFCU to 800-647-2328. Additional Information. Enroll in Online Banking>. Login to Online Banking>. Electronic Statements & Notices. When you sign up for eStatements you'll have access to your statements within the first few business days of every month. Eliminating paper statements will help reduce clutter and keep your ...Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent… With over 510 dedicated individuals as of April 2024, Barksdale is committed to providing exceptional financial services to its members and the community. Access reviews, hours, contact details, financials, and additional member resources. Barksdale Federal Credit Union (Youree Drive Branch) is located at 8810 Youree Drive, Shreveport, LA 71115. Online Banking. View account balances and transaction history, transfer funds between accounts, pay bills, make loan payments, deposit checks, manage credit and debit cards, locate surcharge-free ATMs, and more! The Hickam FCU Online Banking service has enhanced security features and better functionality. In addition to the standard online ...Atlanta Banking, Credit Solutions, and Auto Loans from Excel FCU. Excel Federal Credit Union is the premier local banking choice for Atlanta residents. Our credit union excels where traditional banks fall short. Excel Federal Credit Union gives back to our community with specialized programs, superior customer service, and financial policies ...1505 Lakes Parkway, Suite 100. Lawrenceville, GA 30043. Email: Phone: Toll-Free: NMLS #483559. Reach out to Peach State Federal Credit Union and let us know how we can serve your financial needs. We have branches in Georgia and South Carolina. Learn about the mission, history, achievements and contact information of Barksdale Federal Credit Union. Opt-in to receive important messages and access newsletters and annual reports. WE MEAN POLICE BUSINESS ® GREAT OFFERS FROM THE CREDIT UNION IN THE NEWS THE FINANCIAL BRAND The Credit Union is honored to be spotlighted in the November 2023 edition of Financial Brand in an article entitled: “How a Chicago Credit Union Became a Personalization Powerhouse”: “Niches have always been a part of …Barksdale Federal Credit Union Reviews. August 16, 2022David Cheatwood. Just a few days ago i would have given 5 stars from past rv and auto loans. Lowest rates we could find and friendly service at the Alexandria, LA office. However, I just learned that the current RV loan we have, @ $65,000 balance, CAN NOT be paid off …We are actively working to increase accessibility and usability of our website for every visitor. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 607.936.2293 for assistance. Products and services available on this website are available at ServU branches. Barksdale Federal Credit Union has over 25 locations across the state of Louisiana, East Texas, and Arkansas and is the largest locally owned credit union in Louisiana. About Us Rate & Fee Disclosure © 2024 AOD FCU • (800) 637-0299 • Privacy policy • Federally Insured by NCUA • Equal Housing LenderBarksdale Federal Credit Union Contact Information. Branch address, phone number, and hours of operation for Barksdale Federal Credit Union at South 1st Street, Hodge LA. Name Barksdale Federal Credit Union Address 1026 South 1st Street Hodge, Louisiana, 71247 Phone 318-259-6634Fax: (318) 752-1642. Report Phone Problem. Address: Barksdale Federal Credit Union Airline Branch 2321 Airline Drive Bossier City, LA 71111. Website: Visit Website. Online Banking:Move your accounts with ease using our Account Switch Kit. It includes the forms you need to transfer your accounts and outlines the basic steps for switching direct deposits, automated payments and more. If you have any questions, please contact Member Services at 800-647-2328, option 4 or 318-549-8145. Description goes here.Sunbelt FCU, central sunbelt, sunbelt, central sunbelt fcu, central sunbelt federal credit union, sunbelt federal credit union, credit union, bank, best credit union, best bank, local bank, local credit union, mississippi credit union, MS, mississippi, best checking, best auto loan, best rate, best mortgage, easy loan, fast loan, find atm, most atm, best loan rate, …Barksdale Federal Credit Union / 09 Aug 2021. Barksdale Federal Credit Union. Categories: Banks and Credit Unions, Financial Services. 105 Richards Way Minden, LA 71055 USA. Get Directions. Website. 318-639-6093. Share Post: BUSINESS DIRECTORY SEARCH. Search. Search Term. Business CategoryBarksdale Federal offers a variety of Business Checking accounts to fit your business needs. Freedom Business Checking. Whether you're just starting out or have been in business for years, our Freedom Business Checking is perfect for businesses that don't write many checks or make many deposits on a monthly basis.The Power of Banking with your Smartphone! Our mobile banking is designed to make your life so much easier! When you download the Erie FCU mobile banking app onto your smartphone or tablet, you're ready to bank anytime and from anywhere! Some of the features of Mobile banking. Mobile Check Deposit - Securely deposit checks …For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent…With Online Banking you can review your account (s), check balance and transactions, make transfers between accounts (including your loan and credit card), transfer funds to and from other financial institutions, receive account alerts, pay bills, pay people, reorder and view images of checks, submit travel plans for your card, update contact ...We know you’ll want to start using these convenient new features right away! Identity Theft - Your peace of mind is our priority! Watch on. Ouachita Valley Federal Credit Union. 1420 Natchitoches Street. West Monroe, LA 71292. 318.387.4592. Routing Number: 311176021. Have any questions?Qinxian North Street No 79, Xiaodian District, Taiyuan, Shanxi, China, 030006. Toll Free:+86-0351-7798888. Fax: +86 0351-7790000. Book Directly at JW Marriott Hotel …At Barksdale Federal Credit Union, Jerome leverages his Defense experience in financial management, human resources, and government agency coordination. As a board member, he plays a vital role in decision-making, utilizing his military-honed strategic foresight and governance skills. Jerome holds a Management and Leadership Master's degree, an ...Mar 25, 2024 · Download the free app to access your accounts, transfer money, pay bills, deposit checks, and more. Read verified reviews and learn about data safety and privacy features of the app. FedTrust FCU This site contains links to other sites on the internet. We, and your credit union, cannot be responsible for the content or privacy policies of these other sites.WE MEAN POLICE BUSINESS ® GREAT OFFERS FROM THE CREDIT UNION IN THE NEWS THE FINANCIAL BRAND The Credit Union is honored to be spotlighted in the November 2023 edition of Financial Brand in an article entitled: “How a Chicago Credit Union Became a Personalization Powerhouse”: “Niches have always been a part of …3248 Barksdale Blvd Bossier City, LA 71112 318.741.5111. Lobby Hours M-F: 9:00 AM – 5:00 PM. Drive-Thru Hours M-F: 8:00 AM – 6:00 PM Saturday: 9:00 AM – 1:00 PM. Driving Directions Location Details. AUTOMALL OFFICE ... Bossier FCU (BFCU) does not endorse or guarantee 3rd party links. The products and services offered on 3rd party sites ... Learn about the mission, history, achievements and contact information of Barksdale Federal Credit Union. Opt-in to receive important messages and access newsletters and annual reports. BARKSDALE FOOD MART BOSSIER CITY 3226 BARKSDALE BLVD Bossier City, LA 71112. 0.16 mi. TNT 3218 BARKSDALE BLVD Bossier City, LA 71112. 0.25 mi. BARKSDALE FEDERAL CREDIT UNION 200 CURTIS RD., BLDG. 4265 None 71110. 0.25 mi. Top 100 Banks & Credit Unions. Top 100 Banks; Top 100 Credit Unions;
Barksdale Federal Credit Union Contact Information. Branch address, phone number, and hours of operation for Barksdale Federal Credit Union at South 1st Street, Hodge LA. Name Barksdale Federal Credit Union Address 1026 South 1st Street Hodge, Louisiana, 71247 Phone 318-259-6634. Property pay
Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent… You can now enjoy the convenience of depositing checks from the comfort of your home at any time of the day. Please contact us at either branch location if you need any assistance, and we will be more than happy to help. Franklin Johnstown Federal Credit Union. Welcome to the new online home of Franklin Johnstown Federal Credit Union.Text or Call: 605.718.1818. Enroll in online banking services from Black Hills Federal Credit Union in SD, MT, and WY. Access and monitor your accounts anytime, transfer funds and more.Barksdale FCU's plans expansion into a new market with the pending purchase of HomeBank of Arkansas. By Peter Strozniak | March 04, 2022 at 04:07 PM NOT FOR REPRINTSelect your bank or credit union's name. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money. 5. After that, the rate will convert to regular VISA Platinum card rates, currently 7.9% - 15.9%. Based on credit worthiness. To be eligible for a VISA 4.99 card, members cannot currently have or be joint on a Barksdale Federal VISA credit card. Balances on other Barksdale Federal loan accounts may not be transferred to your VISA 4.99 Platinum card. The Iron-Mountain Kingsford Community Federal Credit Union has been serving the Iron Mountain-Kingsford area for over 65 years. We are member-owned and a not-for-profit financial institution located in Kingsford, MI.Barksdale Federal Credit Union / 09 Aug 2021. Barksdale Federal Credit Union. Categories: Banks and Credit Unions, Financial Services. 105 Richards Way Minden, LA 71055 USA. Get Directions. Website. 318-639-6093. Share Post: BUSINESS DIRECTORY SEARCH. Search. Search Term. Business CategoryFor over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.24 Billion in assets and proudly serves over 155,000 loyal members.Contact Barksdale FCU in Hodge. Location: Hodge Branch. Address: Barksdale FCU Hodge Branch 1026 South First Street Hodge, LA 71247 ( Map) Phone Number: (318) 259-6634. Toll-Free: (800) 647-2328.Sunbelt FCU, central sunbelt, sunbelt, central sunbelt fcu, central sunbelt federal credit union, sunbelt federal credit union, credit union, bank, best credit union, best bank, local bank, local credit union, mississippi credit union, MS, mississippi, best checking, best auto loan, best rate, best mortgage, easy loan, fast loan, find atm, most atm, best loan rate, … With over 510 dedicated individuals as of April 2024, Barksdale is committed to providing exceptional financial services to its members and the community. Access reviews, hours, contact details, financials, and additional member resources. Barksdale Federal Credit Union (Youree Drive Branch) is located at 8810 Youree Drive, Shreveport, LA 71115. Barksdale FCU - Find branch locations near you. Full listings with hours, contact info, Services, Routing Numbers, Membership Eligibility, reviews and more. (HQ: Bossier City, LA) ... Barksdale Federal Credit Union was chartered on Jan. 1, 1954. Headquartered in Bossier City, LA, it has assets in the amount of $1,186,087,422. ...Get your free cryptocurrency now as part of this special offer. The only debit + credit card that matches your political donations. Click here to see now! Barksdale FCU Branch Location at 5490 Barksdale Blvd, Bossier City, LA 71112 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews.With a pre-approved loan from Barksdale Federal, you have an edge when negotiating the final cost of your vehicle. New & Used Auto. When you’re planning to purchase a new or used car, truck, van or SUV, we’ve got you covered. We want to make car shopping easy for you so apply for pre-approval before you shop..