Other posts in the Financial Guidance Category

Ways to Protect Your Identity from Fraud

April 10th, 2012

Every year millions of people in the United States are affected by identity theft. Credit cards, social security numbers, and bank account numbers are the most commonly compromised forms of personal information. Thieves can change the billing address on a credit card account, make charges to it, and run up bills which they will not

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Look for a Smarter Way to Manage Your Money

March 20th, 2012

If you fall into a typical income bracket, then most likely you have a limited amount of money to spend. Budgeting can be a challenge, and unanticipated expenses can regularly come up, tacking onto rent, car payments, and other financial obligations most people have. What you have left of your income for spending can be

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What Are E-Statements and Their Benefits?

December 15th, 2011

Online banking has become very popular in the past few years, with customers enjoying the convenience and security of 24-hour access to their money from home. When it comes to communications with their Credit Union, however, many people still receive paper statements in their mailbox each month. Paper statements provide the comfort of familiarity, but

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Surviving a Layoff – Tips to Help You Cope with a Layoff

November 27th, 2011

In these financial times, layoffs are a possibility nearly everyone thinks about. They hope it won’t happen to them. But what do you do if you are the one laid off? Smart financial planning from Day 1 will help ease the pain as you move from one job to another. Ideally, planning for a layoff

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What’s Your Money Personality?

November 10th, 2011

Everyone thinks of money differently. Perhaps your grandmother clipped coupons and watched every penny, while your neighbor never seems to think about tomorrow when he has money today, while “you” love to dream about your retirement to a tropical paradise someday. The way you think about money (the type of money personality you possess), becomes

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Planning Your Retirement

October 20th, 2011

Planning for retirement can seem like an overwhelming task. There are so many options to choose from, and the goal can seem very unclear, especially if you have many years of work ahead of you. In this economic climate, hoping for a simple pension plan from an employer is not the realistic retirement plan it

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How Much Debt Is Too Much?

October 6th, 2011

Credit is a part of everyday life, and it can be a great tool. Used wisely, good credit can help people score better deals on homes and cars and even land better jobs. The flip side of credit, however, is debt, and debt can be a huge burden. More American families are in greater debt

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Choosing A Credit Counselor

September 22nd, 2011

Does your credit card balance increase each month, even though you make payments? Are debt collectors calling you? Do you run out of money before your next paycheck? If your answers to these questions are “yes,” then you should consider finding a credit counselor to help you get your finances back on track. Just know

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Reducing Expenses to Achieve Your Goals

September 8th, 2011

Each family has its own unique goals, whether it is taking annual trips to Disney, fully funding the kids’ college funds, or paying off the mortgage before retirement. All of these goals have one thing in common–the need for extra money, above and beyond what is required for the daily household budget. One of the

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Back-to-School Savings for Your Household Budget

September 1st, 2011

The start of a new school year means new teachers, new friends, and new challenges for kids and teenagers. It can also mean new and expensive supplies for parents to buy! This year, parents and students will spend 68 billion dollars getting ready for the new year of school. Savvy parents can take steps to

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