Subscriptions surround us. Our daily lives have shifted from making a one-time purchase to continually paying for content that promises to be the most convenient, most up-to-date, and, at one point, the most comprehensive. As the competition has grown, many of these larger companies have splintered off into individual apps with individual costs. Consider how many of these services may call you a subscriber.
Sometimes, we get lucky and are offered a 0% interest rate promo for a specific term. This rate is frequently seen at auto dealers, mattress stores, furniture stores, and for credit card promotions. For these big-ticket items, paying no interest could mean a massive savings on each payment. However, should you ever pay off a 0% interest loan early?
02.18.20 Investing & Retirement
We have all heard it before — start saving now, so you can enjoy retirement on your terms. Unfortunately, if you’re like most 20-somethings, contributing to a retirement account is a task that tends to fall down your ever-growing list of to-dos. From student loans to rent and bills, it’s easy to understand how retirement planning, like selecting a Roth vs. traditional IRA, can be neglected.
02.13.20 Tax Filing
Whether you’re new to filing taxes or just need a refresher, we want to help you file with more confidence and less confusion. Understanding the basic tax terms and concepts will be key to filing your return quickly and accurately – and without overpaying. So, before you file your 2019 tax return, make sure you know these nine essential terms.
The best way to make college affordable is to start saving as soon as possible. And the best way to build your college fund is with a tax-advantaged account or savings plan, which can help you grow your savings faster and keep more money available for what’s important: your child’s education.
Credit cards are a valuable tool for building credit, making large purchases, or earning rewards. Still, a tool this powerful must be used carefully to prevent avoidable or unmanageable amounts of debt. If you ever find yourself in deeper than expected, don’t worry – there are several ways to tackle credit card debt, one way being debt consolidation.
01.10.20 Investing & Retirement
If you’re looking for a simple solution that offers both steady earnings and protection for your funds, an IRA certificate could be right for you. While you may not have heard of this type of account, you’re probably familiar with the two accounts it combines: an individual retirement account (IRA) and a certificate (the credit union equivalent of a bank CD). Here’s why an IRA certificate could be a smart approach to your retirement savings.
01.02.20 Investing & Retirement
Every January, people across the world set New Year’s resolutions — from saving money to losing 15 pounds, the start of a new year is a chance to plan for the future and reach new milestones. One resolution that should be at the top of your list? Retirement planning.
12.23.19 Investing & Retirement
Whether you’re a few years or a few decades away from retirement, you want to make sure you can live comfortably when you do retire. First enacted in the 1930s, America’s Social Security program protects people against the loss of earnings due to retirement, death, or disability. But Social Security was meant to be a foundational element of planning for retirement, not the only source of income after retirement. Here are five important facts about the program.
Is your home feeling a little cluttered? Want to get through the holidays, or start the new year, with a little extra cash in your pocket? If there are unused or seldom-used items taking up space in your home, consider selling them. Whether you’re purging your attic, decluttering your whole house, or getting ready to move, periodically selling off old things helps you simplify your lifestyle while earning quick cash – sometimes more than you might expect.
You have a right to privacy and having your secure information protected from prying eyes. But why is privacy so important? You may think that you have nothing to hide or that your life is not interesting enough to be kept a secret. However, a carefree mentality can lead to identity theft, stolen banking information, unauthorized account access, and more.
Don't get stuck in the snow this season! It's important to get your vehicle ready for heavy weather as soon as temperatures start to drop, since you never know when the next storm will hit. Not sure where to start? Use these ten steps as a checklist towards safer winter driving.
Even though we can’t tell when or if the next recession will happen, or how long it could last, we can prepare for that possibility. And being prepared is a win-win situation: You can ride out a recession with less personal financial impact, and you can be fiscally stronger if a recession does not occur. These tips will help you prepare, just in case.
Think about everything you buy each month. Now, imagine if each dollar you spent helped you earn something you really want – like an awesome vacation, designer handbag, or more money in your pocket. In addition to the convenience and security they provide, debit and credit cards may let you earn valuable rewards like these. But there are some important facts you should know in order to choose the card that’s best for you.
The fact is, the average American can easily spend between $800 – $1000 on the holidays each year. Unfortunately, many people don’t save in advance and put it all on the credit card. This leaves them with a savings shortfall, or worse, a large credit card balance that they’ll be paying off well into the following year. The good news is that you can avoid these traps with a little planning and by applying these six holiday budgeting tips.
The holidays are one of the most enjoyable times of the year. But if you’re like many of us, they may also be one of the most expensive. Whether you’re heading out of town or heading to the mall, the cost of gifts, travel, and entertaining can leave you in the red come January. The secret is to start saving for the holidays as soon as possible.