Healthy Finances

Healthy Finances

In an era of escalated airline ticket prices and extra travel expenses, road trips have emerged once more as a popular and cost-conscious mode of vacationing for individuals and families. Nearly 80 percent of leisure trips in 2012 were made by car, says the U.S. Travel Association. Fodor’s Travels advises…
Upon making the transition to a new job or retiring, many people are unsure about what to do with their 401(k) or other retirement plans linked to their employer. Handling this transition can be costly, and many men and women might benefit from the advice of a professional financial advisor…
Money is something that individuals usually need more of but frequently find in short supply. People worry about money a lot. According to the YouGov poll for the Institute of Financial Planning and National Savings and Investments in Great Britain, nearly two-thirds of respondents worried about their finances, with 43…
Family vacations are the one time each year when all members of the family get to leave the daily grind behind to enjoy a little R&R together. Such excursions often strengthen family bonds and help to create lasting memories that parents and kids will cherish for years to come. Families…
Some people do not have the ability to begin saving for retirement early on. Others may have brushed retirement savings aside for so long that they are now worried that it’s too late to begin socking away money for retirement. While it’s best to start saving for retirement as early…
It’s that time of year again: tax time. You might be tempted to turn the page or put down this article, instead, remember the Cowardly Lion in “The Wizard of Oz” and know you have everything you need inside you to read on. Looming tax due dates nudge us into…
Do you have an individual retirement account, or IRA? This is one of the simplest and most cost-effective ways to save toward retirement. The two main types of IRAs are traditional and Roth. You might also be familiar with the term “rollover IRA,” which is a traditional IRA used for…
From various sources, I have heard the myth that “investing green means losing money while feeling good about it.” Perhaps you’ve heard that as well. While it’s true that such sun-to-energy companies as Solar Trust of America, Solyndra, Abound Solar, Fisker Automotive, Record Hill Wind, Solo Power and Abengoa Solar…
Spring is always a popular time for house hunting, and of course, for home loan (mortgage) shopping. Although there are a variety of home financing options available, there are two basic types of primary or first mortgages. The type of mortgage loan that best fits your needs can depend on…
What determines your credit score? What’s the difference between a credit report and a credit score? Why does it all matter, and what can you do about it? If you’re like most people, answering these questions can be a bit difficult and confusing at first. But sorting through the basics…
When you think of the holidays, chances are you think about giving. From gifts and goodies to warm wishes and good deeds, people seem more considerate and willing to help others this time of year. As member-owned, nonprofit cooperatives, credit unions are founded on the premise of “people helping people,”…
What does someone who is just starting their first job have in common with a person who is about to retire? They should both be saving for retirement. It goes without saying that the younger you are when you begin saving for retirement, the more money you’ll have when the…
Have you ever wondered why some people are good at managing money while others just can’t seem to get the hang of it? While in today’s economy, the reasons can have a lot to do with things outside our control (job losses, fluctuating energy expenses, medical emergencies, etc.), it seems…
Chances are, if you’re 18 or older, you either know about credit cards, or you have one or more. They can offer convenience and security when traveling or making online purchases, or at times when you don’t want to worry about carrying cash. While credit cards can be great financial…
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