Organizing your financial records is one of the best gifts you can give your family. By setting up a workable system and telling family members about it will ensure they know how to pick up the pieces should there be a crisis or death.   Getting organized doesn’t mean finding a place for everything. It… Read More


If you’re going to give, it makes sense to do it intelligently and for the right reasons. Here are four steps to making sure your hard-earned money goes to a cause that reflects your values and will have the most impact.   Step 1: Research the organization asking you for money. Have you heard of… Read More


Phone apps have changed our lives. We now have, at our fingertips, the ability to access information 24/7, wherever we are. There are a number of useful apps that can even help you save money and track your spending.   Level Money — Are you often struggling at the end of the month to pay… Read More


The average annual cost of attending a four-year, in-state public university in 2014-2015 is $18,943, according to the College Board’s annual survey of colleges. That figure includes tuition, fees, room, and board. Even if you don’t consider inflation, this amounts to $75,772 for four years. Education is a valuable investment. But when budgets are tight,… Read More


Research shows that 1 in 20 Hispanics in America are unbanked, preferring to use a check-cashing service or buy a prepaid debit card instead of depositing their paychecks into a financial institution. Why? Many believe they don’t meet the requirements or have the identification needed for opening an account. Although using alternative financial providers may… Read More


While many banks and other lenders have stopped offering private student loans to focus on bigger, more profitable loan types, you still can depend on Ascentra Credit Union to help you pay for school. Credit unions have lower loan rates and provide more products and services for students, according to CBS Money Watch. While you… Read More


Most teenagers have big dreams. Some dream of owning a car, traveling, or starting a business. Many plan on attending college. All those dreams require cash. So how do you turn that dream into reality? Be a dream achiever and start saving your money. Think: $1.67 a day! If you’re 13 years old and you… Read More


If credit card payments are eating up your disposable income each month, or if you need cash to remodel your kitchen–or to buy a new car–a home equity loan or home equity line of credit (HELOC) might be your best bet.   There’s also a tax advantage. Unlike almost any other consumer loan type, the… Read More


All parents want their kids to grow up healthy. But most of the time that discussion focuses on getting them to eat more vegetables and spend less time in front of screens. Too few think about their kids’ well-being in terms of their financial health. In fact, one in four parents don’t even feel qualified… Read More


The high cost of college tuition causes some students to graduate deeply in debt. Today there are 44.2 million American graduating with student debt, with an average debt of $25,550 for public school graduates and $32,300 for private school graduates. The total amount of student debt is currently at $1.31 trillion. This reliance on student… Read More