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Mobile Banking Tips

Mobile Banking TipsMobile Banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. What is Mobile Banking? Mobile banking is simply using an app on a mobile device, like a phone or tablet, to access your bank accounts and perform transactions. It’s a service provided by your financial institution and is available to …

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When Times Get Tough

When Times Get ToughWhen emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions. While tough times can vary, from a sudden job loss to a natural disaster, the steps that you can take to prepare yourself are often the same. There’s an old phrase that says, “the best time to plant a tree was 20 …

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Teaching Your Children About Money

Teaching Children About MoneyWhether to your children, grandchildren, nieces and nephews, or the children of close friends, one of the most important things you can teach is how to manage money and invest for the future. The Three-Jar Allowance To learn how to manage money, children need some money to manage. Typically this money comes from from an allowance or …

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50/30/20 Rule

50/30/20 Rule The 50/30/20 rule is a practical rule of thumb for individuals who want a budget that is easy, yet effective, to implement. It offers guidelines for enjoying your income while putting savings on autopilot. Humans are fallible—sometimes we just need guidelines. If you struggle making sense of a sea of budgeting systems and mobile apps, consider the 50/30/20 …

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Transitioning to Retirement

On the other hand, you may not need the money right away. Then your goal is figuring out the best way to continue to take advantage of the potential for tax-deferred growth. Most plans offer a number of alternatives, and it’s smart to investigate what they are. While you don’t have to decide until you’re actually ready to stop working, …

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Getting a Car

There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference. Buying a used car is appealing to many people. Used cars are less expensive up-front, and they have the added benefit of not depreciating drastically when they leave the lot. Because you are buying a used car and …

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Planning Ahead for Taxes

If you plan ahead, you can make decisions that will reduce or at least postpone the tax you owe. The only catch is that you usually need to get everything taken care of by December 31. As anyone who has ever filed taxes knows, tax season is in high gear from January to April. In January, you’ll get a tax …

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Out of Work?

And, the truth is people can be laid off any time. When companies merge or are acquired, the work force may be downsized. Or business may just be slow. If that happens to you, do you know how you’d manage financially? It’s smart to think about the bills that would have to be paid and whether you have an emergency …

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Managing Debt

Dealing with situations beyond your control, such as a serious illness or an unexpected job loss, is difficult for anyone. Fortunately, there are usually ways to reduce the impact of even serious money problems, as well as strategies for improving your situation if you do find yourself in financial trouble. It’s helpful to start an emergency fund as part of …

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Learning About Government Assistance

If paying for food is your main concern, there are a couple of programs to help you out. The Supplemental Nutrition Assistance Program, or SNAP, (once more commonly known as food stamps) is meant to offer individuals and families access to funds to help pay for groceries each month. SNAP eligibility depends on your household and its income. With SNAP, …