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2012

Last Minute Ways To Trim Your Taxes

By Jason Alderman From now until New Year’s is probably when you have the least amount of time to spare on mundane financial bookkeeping tasks. But if you can dedicate a few minutes to review your benefits and tax paperwork, you might be able to shave hundreds – or even thousands – of dollars off your 2012 taxes. Here are a few suggestions:  Review your 401(k). If you haven’t already …Read More

Divorce and Debts: A Ticking Time Bomb?

By Barb Miller As we all know, financial problems and stress often lead to relationship problems. Sometimes, couples are able to work through issues together, and sometimes they are not. If they can’t, the couple may be headed for divorce court. In a divorce, a judge will typically divide the assets and debts incurred during a marriage. Or, couples may arrive at an agreement over property matters that are formalized …Read More

Tips For Saving Money During The Holidays

By Lauralynn Schueckler During the holiday season it’s easy to get caught up in the desire to give the perfect gift. This can lead to people only thinking about getting that perfect present, and ignoring the cost. Too many times consumers dig themselves into a financial hole that they can’t escape in the New Year. Here are a few tips to help avoid the New Year’s financial headache: Determine the amount of …Read More

End of Year Financial Checkup

By Jana Castanon The busy holiday season is upon us, and soon enough we will be welcoming the New Year. But are you financially ready?  There are things you need to review, and if necessary make changes to , before the year end. Set aside a few minutes to complete this financial checkup to assist you.    Adjust your withholding.  If you got a big refund last year and have similar income …Read More

Majority of Consumers Will Cut Back
Or Spend Zero on Holiday Purchases

By Gail Cunningham The November poll hosted on the NFCC website queried consumers regarding holiday spending. The results revealed that 50 percent of consumers intend to spend less on holiday purchases this year than last, indicating they are in a worse financial position, while 37 percent plan to spend nothing at all, as they fear further financial distress.  While this total of 87 percent is a shocking number, when asked the same question …Read More

The Worst Scams of 2012
and How to Avoid Falling for Them

By Lauralynn Schueckler The Internet is vast, and expanding everyday at a rapid pace. This can make keeping your identity safe and protected a daunting task because of online shopping, email phishing scams, and other online activity that most people partake in. The number of internet scams and identity theft cases has most certainly increased, and you need to know how to protect yourself and not become another victim. If …Read More

Resolve to Reduce Debt

By Gary Silverman The new year is a time for parades, football, recovering from holiday festivities, and resolutions. I’m here to help with the resolutions. And this year we’re going to look at your credit cards. First, are you the one using them, or are you letting a total stranger charge on your behalf? That may sound ludicrous, but most people I know do not look at their credit report, …Read More

‘Tis the Season for Donating Money

By Jason Alderman Like many other economic measures charitable donations in the U.S. have yet to bounce back to pre-recession levels. According to Giving USA: the Annual Report on Philanthropy, charitable contributions totaled $298.4 billion in 2011 — up 4 percent from 2010, but still 11 percent below 2007 levels. As in previous years, the vast majority of those contributions (73 percent) came from individuals, demonstrating that even during tough …Read More

Create Financial Goals for the New Year

By Mark Foster The new year will soon be here so now is an excellent time to be thinking about goals for 2013. Everyone should set at least a few goals for their personal finances. Many people wish for good things to happen financially, however, too few take action to turn those wishes into becoming reality. It is important to plan ahead, and create a few financial goals. Having identified …Read More

Holiday Overspending
Can Have Long-Term Consequences

By Gail Cunningham Millions of consumers have begun their holiday shopping, snagging sale items either in-person or online, and therefore considering themselves savvy shoppers. At the same time many lost sight of the fact that regardless of the price, a bargain isn’t a smart purchase if it compromises a person’s overall financial health. If there’s one time of the year when people shop with their heart, not their head, it’s the …Read More