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Everything You Need to Know About the New Generation of Payment Cards

By Nat Sillin There’s something new in plastic and it’s coming to a mailbox near you. In the coming months, be on the lookout for replacements to arrive for many of the debit and credit cards you carry. You might have already received some of these new cards, which look mostly the same – except for that little gold or silver colored microchip that’s embedded inside the card. That chip will …Read More

NFCC Honors Client of the Year at Annual Conference

By Bruce McClary As American baby boomers retire at the rate of 10,000 per day, millions more are waiting in line for their turn. The NFCC 2015 PACE Clients of the Year, Richard and Susan Ramirez, were among those approaching their goal. In order to reach the start of their golden years, they had to eliminate the growing $80,000 mountain of credit card debt that stood in the way. Time …Read More

Best Money Moves for October

By Margarette Burnette With summer in the rear view and the heaviest holiday shopping still a few weeks away, October is a good time of year to focus on cutting expenses and scoring deals. Here are some ways you can make the most of your money this month. Lower Your Checking Account Fees If your bank fees have recently increased, this could be an apt time to shop around for …Read More

10 Open Enrollment Mistakes to Avoid

By Nat Sillin Fall signals a change in the weather and for many workers, the beginning of open enrollment – the annual benefits sign-up period for the coming year. Open enrollment periods usually run for a few weeks between September and November in most workplaces. This yearly event, usually administered by the human resources department at most employers, allows you and your fellow employees to review past benefits choices, ask …Read More

Bad Credit Can Impact Car Insurance More Than Drunk Driving   

By Mark Foster This is hard to believe, but recently Consumer Reports said a customer’s credit score may matter MORE than a drunken-driving conviction for auto insurers setting premiums! Yes, a DWI conviction may raise your car insurance premium, but not as much as bad credit. It may seem wrong, but that’s the facts. It just goes to show how important having good credit is and how much it can …Read More

National Network of Financial Experts Gather in Indianapolis

By Bruce McClary As Americans face new challenges resulting from a fragile and unpredictable economy, the NFCC is hosting its 50th Annual Leaders Conference in Indianapolis September 27- 30.  Attendees will hear from industry leaders addressing the many pressing sector issues confronting consumers including student loans, retirement, housing and compliance, the state of the financial services industry, and the new face of poverty. This year’s conference will bring together more than …Read More

Back-to-School Planning for Returning Students

By Nat Sillin College campuses have more mature students these days – but is a mid- to late-career return to school right for you? In recent years, older Americans have been heading back to school part-time and during evenings in greater numbers than students of typical college age. According to the National Center for Education Statistics, enrollees 25 years of age and older account for 40 percent of all undergraduate …Read More

Applying for College Financial Aid Just Got a Little Easier

By Stacy Johnson Applying for financial aid can be a messy, headache-inducing process for college-bound students. But it’s about to get a little easier. The White House recently announced that beginning next year, students can file the Free Application for Federal Student Aid, known as the FAFSA, as early as Oct. 1, as the college application process for the next school year gets underway, and use tax information from the year …Read More

Making Summer More Energy Efficient

By Nat Sillin No matter how hot it gets, summer doesn’t have to drain your energy budget. The warmer months are a good time to execute a year-round plan for smart energy use that will save money and maybe keep the earth a little greener. Here are a few ideas you might try. Start tracking all of your energy spending Whether you track your overall spending on paper or on …Read More

10 Basic Rules of Money Management

By Melinda Opperman We’ve been helping people be more financially responsible for over 40 years now. We’ve boiled some of our most common advice down to 10 essential rules:     PLAN YOUR FUTURE – Plan for the future, major purchases and periodic expenses. You will not arrive to “financial freedom” parkway, without a road mapto guide you. Follow your plan. SET FINANCIAL GOALS– Determine short, mid and long range financial goals. …Read More