Education
Study Smarter, Not Harder
Study Smarter, Not Harder Back-to-school is just around the corner, which means students will soon be fully immersed in lectures, homework, exams and more. Starting a new year can be a stressful time, especially for students trying to improve their grades to get into their dream college. But improving grades doesn’t necessarily mean studying harder.…
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Understanding the Difference between Credit Unions and Banks
Understanding the Difference between Credit Unions and Banks In today’s financial landscape, individuals have various options when it comes to managing their money. Two popular choices are credit unions and banks. While both institutions offer similar services, there are distinct differences between the two. Membership Unlike banks, credit unions are community based and accept members…
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Savings Tips for Kids & Young Adults
Savings Tips for Kids & Young Adults April is Youth Savings Month, so we are here to offer some tips on how to get your kids to begin saving at a young age. Children and young adults can be reluctant to save their small allowance, since it may be their only source of income for…
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Getting Your First Credit Card: The Do’s and Don’ts
Getting Your First Credit Card: The Do’s and Don’ts Are you ready to jump into the world of credit? The first impression of using a credit card can be a little intimidating, because of the surprise fees, high interest rates, and the scary cycle of debt. However, using credit cards helps you build your credit…
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The Importance of Keeping a Good Credit Score
The Importance of Keeping a Good Credit Score March is National Credit Education Month, which is a good time to brush up on your finance skills and check your credit score. If you don’t already, making a regular habit of checking your credit score is important to ensure your identity is protected. If you’re not…
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Basic Knowledge About Health Savings Accounts
Basic Knowledge About Health Savings Accounts What is a Health Savings Account (HSA)? An HSA is a tax-favored savings account for individuals and families covered by a high-deductible health plan (HDHP). Contributions to an HSA are tax-deductible and distributions are tax-free when used for qualifying medical expenses or supplies. Can anyone open an HSA? The…
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Setting your Financial Goals for 2023
Setting your Financial Goals for 2023 Establishing a financial goal for the new year can benefit your financial success. Studies have shown that those who set specific, tangible goals are more likely to achieve them than those who approach their lives with a “Well, let’s see where this goes” attitude. The time and effort invested…
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Stolen Purse, Lost Wallet?
Stolen Purse, Lost Wallet? What to do when some of your most vital information goes missing If you have ever lost your wallet or purse, the feelings of panic, worry and helplessness are all too familiar. Since so much sensitive information is contained within a wallet or purse, it is easy to feel as if…
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Building an Emergency Fund
Building an Emergency Fund You lose your job. Your car breaks down. The heater goes out—right in the middle of a winter freeze. And on top of all this, you’ve got a new baby on the way. While many people think they’re immune to a financial crisis, a situation similar to the one described above…
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How to Do Allowances Right
How to Do Allowances Right One of the best ways to ensure your children grow up financially fit is to give them practice managing money with an allowance. But what’s the best way to do an allowance? There are different theories on what works best. Ron Lieber, personal finance writer for The New York Times,…
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