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New Year, New Money Habits

New Year, New Money HabitsSmall Changes for Improving Your Financial Health in the New Year The New Year is a time for powerful new beginnings. It also presents an opportunity to look at our everyday habits – whether those habits relate to our health and fitness or our money habits as we manage any financial challenges. What is a habit? …

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Checking Out Charities

Checking Out CharitiesGive a little or give a lot, giving to charity offers more than just warm feelings. Understand the impact on your taxes and budget. “‘Tis the season!”, so they say. Many people associate the holidays with giving or charity, and donating money to help those who are in need. In a world where we’re all unable to come …

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Controlling Your Holiday Spending

Controlling Your Holiday SpendingIn a year where everything is different, make sure you remain mindful about your spending this holiday season. Most years it feels like just as you’re finishing up your Thanksgiving meal, you turn around and it’s late December, and you haven’t gotten everything checked off your holiday to-do list. It’s easy to get swept up or sidetracked …

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Social Security Basics

Social Security BasicsIf retirement and Social Security seem one and the same to you, there’s good reason. More than 90% of US households with someone over 65 are part of the system. And, the monthly benefits check is the primary source of income for almost two-thirds of those households. Since its introduction in 1935, in the wake of the Great …

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What is a Certificate Account?

How do Term Share Certificates Work?A Term Share Certificate allows you to earn high interest rates by agreeing to leave money in a credit union for a specified amount of time. Term Share Certificates are the credit union equivalent of a bank’s Certificate of Deposit, or CD. Like CDs, these certificates require you to invest funds for a specific period …

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Is The Money In My Account Safe?

Is the Money in My Account Safe? Keeping money safe is important to everyone. Thanks to NCUA (or FDIC if you have an account with a bank) your financial institution is probably the safest place to store your hard earned cash. The best part? All you have to do is open an account. Insuring Organizations There are two organizations, both …

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Reducing Your Food Bill

Tips For Reducing Your Food Bill Buying food is essential, of course, but if you’re not careful, it can also eat into your budget. Reevaluating Costs Reducing your food bill starts by creating a budget. In order to make a change, you need to know what you’re currently spending and set a goal. Go through the last month of your …

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Understanding The Benefits Of Interest

The Benefits of Interest Interest plays a role in almost all aspects of personal finance — including savings, investing, credit, and loans. Simply Put: Interest is the money earned or paid when someone makes or receives a loan. You can be paid interest for keeping money in a bank account, purchasing a bond, or making other investments. You can also …