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Looking to Avoid Annoying Hotel Fees?

July 28th 2016 by
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If you are shopping around for hotels for your vacation this year, watch out for obnoxious fees that are often hidden in the fine print. Hotels have become experts at being able to hide fees, usually only revealing them in fine print on a website, in the final stages of the transaction, or upon checking out at the end of your stay.  These fees are multiplying and include things such as: Early check in fees Early check out fees Cancellation fees Fees for using the room sage Fees to hold baggage behind the front desk Automatic tips for staff In…

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Scammers Targeting Those Waiting to Receive New Cards

Posted in Security/Scams
July 27th 2016 by
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Hackers are developing new and improved ways to steal your information to harm your identity and your bank account. Fortunately, technology is evolving as well. The new EMV chip credit and debit cards are designed to be more secure and prevent hackers from easily stealing your information.  But although the chip cards themselves are secure, be aware of scams that are surfacing if you are still waiting for your new card. Fraudulent Emails The Federal Trade Commission warns that scammers are impersonating card issuers by sending emails claiming that the person needs to update their account by clicking the link…

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Should You Rent or Buy?

Posted in Home Ownership
July 26th 2016 by
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Should you rent? Or take the plunge and buy?  Making this decision depends on several factors that you need to take into consideration. The conventional wisdom that buying a home is one of the best investments that a person can make no longer exists thanks to the Great Recession.  Like that wisdom, the notion that paying rent is throwing away money is gone too.  Due to many changing factors, buying a home does not always make sense in every situation, even for those who have the means to do so and even when the market is strong. Financials There are…

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Are You Prepared for a Financial Hardship?

July 21st 2016 by
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If today you ran into a financial hardship, what would you do? According to a survey from the Federal Reserve Board, around 25% of households dealt with a financial crisis in the last year, with the top hardship experiences being: Job loss (37%) Health emergency (37%) Work hours/pay cuts (29%) No matter what income bracket a person falls into, people in each category have difficulty maintaining a financial safety cushion. Survey Findings The Federal Reserve Board conducted a “financial fragility” test in which people were asked how they would manage a small disruption in which they would need $400.  Here are the…

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Savings Certificates: How To Keep Your Money Spinning

July 20th 2016 by
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What is a share savings certificate? A share savings certificate is much like the familiar certificate of deposit (CD) offered by banks. It acts like a traditional savings account in that you deposit money to collect dividends over time. It differs from a traditional savings account, though, because you cannot withdraw or deposit money at will. Instead, you agree to place your money on deposit for a preset period of time, called the “term length,” during which you may not make withdrawals without a penalty. Because you trust your money with the credit union for a longer period of time,…

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