Wondering when you should start receiving Social Security benefits? If you are married or divorced, you may be eligible for spousal benefits that can make the decision easier. The AARP offers these strategies for using spousal benefits to your advantage: For couples with two incomes: You may be eligible to file for a spousal benefit only,… Read More
Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn’t as hard as you might think. The strategy is to start small, change a few habits, and change your mindset. If you’re starting from scratch with your emergency fund, begin by saving one month’s worth… Read More
Vacations are meant to give you some much needed rest and relaxation. Since lodging expenses can eat up a huge chunk of your vacation savings, you’ll want to make sure you find the best prices for them. Here are a few websites to help you find the best deals on lodgings. If you’re strictly a… Read More
Going off to college is an exciting time! Your world is about to open wide, providing you with new opportunities to expand your mind, meet new people, and begin the groundwork for your career (or figure it out). One very important skill you’ll need is learning how to save while living on your own. The… Read More
Whether you’re buying a new or used car, careful research and planning will help you get the right vehicle without the one option nobody wants: onerous monthly payments. Here are some ways to save money: Check on reliability– Nothing can torpedo a budget like unexpected repair costs. The annual Consumer Reports car reliability survey cites… Read More
Wondering if an auto warranty is right for you? Check out this short, educational video as we talk about auto warranties on this edition of Ascentra Making Cents. To see more videos of our monthly financial education segments like this one, head to our YouTube channel. … Read More
Pay attention to what auto dealerships are charging for GAP (guaranteed asset protection) insurance and mechanical repair coverage. GAP insurance covers the difference between what a consumer owes a lender and what an auto insurer will pay if a car is totaled or stolen shortly after it’s purchased. Mechanical repair coverage extends the dealer warranty,… Read More
Wedding season is upon us and soon you may see a few wedding invitations in your mailbox. What do you do when it looks like ALL your friends are getting married this year? Can you afford to get gifts for everyone, as well as pay for clothing and traveling expenses for each event? If… Read More
What’s a certified pre-owned vehicle? Factory-trained technicians thoroughly inspect and recondition a slightly used vehicle to meet manufacturer specifications. When the vehicle is up to snuff, it’s certified as an automobile worthy of many of the same assurances that auto makers put on new cars, with manufacturer warranties lasting anywhere from three months to seven… Read More
What a big day for the future of Ascentra Credit Union! On Thursday, May 31st we celebrated the official groundbreaking of our new home office in Downtown Bettendorf. The heat didn’t stop nearly 200 people from attending our ceremony where each guest took home with them a mini bottle of Prosecco and bottle opener in… Read More