Archive for the ‘On Your Own’ Category

5 tips for managing holiday debt

January 9th, 2012 Mike Finlayson

With another holiday season in the books, many people end up with more debt than they would like. January is a good time to think about ways to manage debt and make resolutions to achieve financial stability. We’ve pulled together 5 tips to help you get started: Assess your debt. The first step is to […]

Take advantage of the power of compound interest

December 26th, 2011 Emily Schmidt

You’ve probably heard it before: “It’s never too early to start saving for retirement.”  In the back of your mind you know it’s important to save for the future, yet it probably seems counterintuitive to start saving for retirement at the beginning of your career. Maybe you are waiting another year or two, for your […]

7 tips to manage your holiday spending

November 28th, 2011 Mary Schmidt

The holiday shopping season doesn’t have to leave a permanent mark on your bank account. Kick off the holiday season with some of our tips on how to effectively manage your money while spreading holiday cheer. 1. Estimate holiday expenses and set a budget. Make a list of everyone you have to purchase gifts for, […]

3 money management rules every college grad should know

November 14th, 2011 Kevin Crall

When it comes to managing your money there are a seemingly endless number of tips and mantras people will throw your way: “pay yourself first,” “don’t ignore your money troubles,” “pay off your credit card in full,” “save at least 6-months’ worth of living expense,” “always max out your 401(k) contributions,” “don’t live beyond your […]

Don’t get lured into a phishing scam – read our 6 tips

November 2nd, 2011 Angie Brown

The American Bankers Association (ABA) has issued a new warning to highlight increases in phishing scams linked to consumer bank accounts. According to reports, perpetrators are using automated dialers, text messages or emails to misinform consumers that their accounts have been closed due to fraud. Consumers are then prompted to enter their card information, including […]

The difference between banks and credit unions

October 31st, 2011 Nick Pfeiffer

Terms like bank and credit union are used interchangeably by most people these days. However, there are some distinct – and significant – differences between these types of financial institutions, including business purpose, ownership and governance. We’ve summarized some of the key differences for you: Banks Banks are by far the most popular financial institutions. […]

9 tips to prevent identity theft

October 17th, 2011 Sue Armbrecht

Identity theft is one of the fastest-growing types of financial fraud. Without even touching your wallet, a thief can steal your financial identity with as little information as your Social Security number. To help raise awareness about this growing issue, the National Foundation for Credit Counseling proclaimed Oct. 16-22 “National Protect Your Identity Week.” To […]

7 rules for secure online shopping

September 30th, 2011 Mark Sandvig

With the click of the mouse, shoppers can buy nearly any product online – from groceries to cars, from insurance policies to home loans. According to Forrester Research, 60% of U.S. consumers shop online at least once per quarter. And while that percentage continues to grow, there is still widespread concern about the safety of […]

How to request and review your credit report

September 21st, 2011 Doug Benjamin

Although your credit score only consists of three digits, it’s a complicated and often times exasperating part of your financial life. While it can be challenging to understand exactly how your credit score comes to be, it’s much simpler to request and review your credit report. A credit report is essentially a file on you, […]

5 smart money moves for recent college graduates

September 9th, 2011 Sandy Bailey

If you’ve recently graduated from college and started your first job, you’re probably feeling overwhelmed with new financial responsibilities. After all – the prospect of student loans, employer tax forms and budgeting can quickly become overwhelming. Nonetheless, this time in your life is a great opportunity to establish good financial habits. We’ve put together five […]

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