The Dos and Don’ts of Debt Repayment

Consumer debt is an extremely contradictory part of our personal finances: it’s at once common and incredibly personal. According to numerous sources, the majority of US adults owe money in some way, shape or form—and yet what this consumer debt represents can vary drastically from person to person.

2019-05-24T16:32:33-04:00February 13th, 2019|

When Is Social Security Income Taxable?

Social Security and Your Retirement When is Social Security income taxable? The answer depends on your income. Your Social Security income could be taxed. That may seem unfair, or unfathomable. Regardless of how you feel about it, it is a possibility. Seniors have had to contend with this possibility since [...]

2018-11-20T14:49:48-04:00August 24th, 2018|

7 Tips for Tracking Down Your Dream Career

7 Tips for Tracking Down Your Dream Career Choosing a career is tough Whether you’re a new grad or considering a career change, it’s easy to feel overwhelmed when tasked with selecting your next gig. And why shouldn’t it? It’s an enormously costly decision, in terms of both time [...]

2019-05-24T16:38:26-04:00June 7th, 2018|

Smart Strategies for Investing in a CD or Money Market

Smart Strategies for Investing in a CD or Money Market Reflective of market trends, CD and Money Market rates are on the rise. While not at the levels that you or your parents may have cashed in on during the 80s, these investments still offer a solid savings strategy and [...]

2019-03-22T16:02:27-04:00June 6th, 2018|

Rethinking Diversification

Rethinking Diversification In today's volatile market, retirement savers face new challenges. Traditional portfolio diversification may no longer be the answer to growing your savings without the risk of losing it all. Luckily, there are new ways to manage investment risk. Join us for a no-cost, no-obligation informational seminar that can [...]

2018-05-30T15:16:58-04:00May 30th, 2018|

Kids & Money: It’s never too early to start teaching kids the “money” facts of life

Kids and Money It’s never too early to start teaching kids the “money” facts of life. April 24th is Teach Children to Save Day! Being a parent can be a tad overwhelming at times. But taking just a few minutes every day, you can foster solid money management skills in your children. [...]

2018-04-23T14:42:50-04:00April 23rd, 2018|

5 Good Money Habits to Boost Your Retirement Savings

5 Good Money Habits to Boost Your Retirement Savings [Infographic correction 11/7/17] Think back to your most recent savings goal. How long did you have to save in order to reach it? Was it a concert ticket or some new shoes that took a few weeks of budgeting? Was it [...]

2019-05-24T16:43:09-04:00September 29th, 2017|

When Buying a Used Car Privately, Beware of Curbstoning

For many young adults, student loans serve as the first real experience with borrowing a large amount of money. It’s a steep learning curve for someone just starting out, and not understanding financial concepts like interest rates, loan terms and repayment schedules can quickly snowball into a very stressful and costly post-graduation experience.

2019-05-24T16:45:04-04:00July 31st, 2017|

The Secret History of the Wall Street Bull

For many young adults, student loans serve as the first real experience with borrowing a large amount of money. It’s a steep learning curve for someone just starting out, and not understanding financial concepts like interest rates, loan terms and repayment schedules can quickly snowball into a very stressful and costly post-graduation experience.

2019-05-24T16:57:07-04:00June 1st, 2017|

5 Ways to Lower the Cost of Tuition

For many young adults, student loans serve as the first real experience with borrowing a large amount of money. It’s a steep learning curve for someone just starting out, and not understanding financial concepts like interest rates, loan terms and repayment schedules can quickly snowball into a very stressful and costly post-graduation experience.

2019-05-24T16:58:56-04:00March 31st, 2017|

The Challenges of Choosing a Career

When you start looking for financial advice (or any kind of advice, for that matter), experts will share their take on what’s “good” and what’s “bad.” Aside from the obvious examples, the guidelines are a bit murky; plus, the financial advice gurus often contradict each other.

2019-05-24T17:00:14-04:00March 1st, 2017|

Fake Checks

Fake Checks   And what to look for when you’ve "won the prize, lottery, or earned some easy money." Check scams continue to get the best of their unsuspecting victims. Consumer.ftc.gov, the website for the FTC (Federal Trade Commission), works to prevent fraudulent, deceptive, and unfair business practices in the marketplace. The [...]

2019-04-02T14:02:37-04:00February 24th, 2017|

Use Psychology to Build a Budget You’ll Stick With

When you start looking for financial advice (or any kind of advice, for that matter), experts will share their take on what’s “good” and what’s “bad.” Aside from the obvious examples, the guidelines are a bit murky; plus, the financial advice gurus often contradict each other.

2019-05-24T17:01:44-04:00February 6th, 2017|

Important Facts About U.S. Currency

Important Facts About U.S. Currency   And how to recognize counterfeit bills Counterfeit money has been around since bills were first exchanged for payment. And from a crook’s perspective, what better way to line the proverbial pocket? But as a consumer, it is important to be aware of counterfeit money and recognize [...]

2019-04-02T13:59:27-04:00January 6th, 2017|

Keep or Toss: How Long Should I Hang Onto My Financial Documents?

Picture this scenario: you’re steering your shopping cart through the sliding doors of the supermarket, shopping list in hand. As you walk the aisles, there’s a strategy you can use to save an average of 33% on your entire purchase!

2018-02-07T09:55:22-04:00December 3rd, 2016|

Four Questions to Ask Yourself Before Signing a Mortgage

Picture this scenario: you’re steering your shopping cart through the sliding doors of the supermarket, shopping list in hand. As you walk the aisles, there’s a strategy you can use to save an average of 33% on your entire purchase!

2018-07-23T11:50:29-04:00November 1st, 2016|

How to Counter the Effects of Inflation

When most people think of inflation, their response is usually similar to when they see a vintage advertisement: reminiscing about the cheaper prices of the past (15 cents for a burger? Awesome!) while simultaneously feeling some resentment towards today’s ever-rising prices.

2018-07-23T11:31:04-04:00August 1st, 2016|

Protect Older People From Fraud

Protect Older People From Fraud The National Credit Union Administration (NCUA) offers many resources aimed at helping older Americans protect themselves from fraud and manage their finances. NCUA's Pocket Cents - financial literacy website with a section on issues older Americans face MyCreditUnion.gov - website with tips for handling personal finance and protecting [...]

2018-01-29T09:56:33-04:00May 20th, 2016|

Living On Your Own And “Bill Time”

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. If an emergency fund is, in fact, so important, why doesn’t it seem that way? Why is it so easy to procrastinate on emergency-fund saving?

2018-07-20T16:00:57-04:00February 1st, 2016|

To Lease or To Finance: That is the Question!

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. If an emergency fund is, in fact, so important, why doesn’t it seem that way? Why is it so easy to procrastinate on emergency-fund saving?

2018-07-20T15:50:19-04:00January 3rd, 2016|

Emergency Fund Boot Camp

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. If an emergency fund is, in fact, so important, why doesn’t it seem that way? Why is it so easy to procrastinate on emergency-fund saving?

2018-07-20T15:38:28-04:00November 30th, 2015|

Why Is It Called A Credit Union?

While bank and banking are universally understood and accepted terms, the term credit union is still largely misunderstood and unknown to many. Credit union is an unusual term, isn’t it? Is it just another name for a bank? Is it a credit card company? Do I have to be in a union to join?

2018-06-22T16:49:51-04:00September 30th, 2015|

Choosing Your Financial Institution

Choosing Your Financial Institution As you contemplate moving beyond your piggy bank, the two types of financial institutions that you're most likely to deal with are banks and credit unions.  They offer essentially the same products and services, including savings and checking accounts, credit cards, auto loans, mortgages, and investment products, but [...]

2018-06-22T10:50:14-04:00April 1st, 2015|