With 2016 just around the corner, many people will make resolutions to manage their personal finances better. Whether that means saving more, or setting up a personal budget, the suggestions can get overwhelming. Here are four easy personal finance goals, for you to consider, to start the New Year on the right path:   1.… Read More


The holidays always seem to be just around the corner.  It won’t be long before families are exchanging presents.  Holidays and gifts can take a big bite out of your budget so planning ahead will help keep your budget under control. It is important not to get caught up in the last minute emotion of… Read More


Sometimes the best place to do your banking isn’t a bank. Not-for-profit credit unions exist for the benefit of members and generally don’t have the high fees that traditional for-profit banks are known for. Over 101 million people in the U.S. are members. Here are four reasons to join them: 1. Higher earnings. Credit unions… Read More


Did you know you no longer receive your annual Social Security statement by mail? Go to socialsecurity.gov/mystatement to access your statement. Even though you will no longer receive paper statements, it’s important that you still review your statements on an annual basis with your advisor to make sure everything is accurate.   Did you know… Read More


The Ascentra Credit Union Foundation gave $17,000 to 37 different charities and organizations throughout the region this summer. These efforts stem from the credit union’s encouragement of staff to volunteer and give back to the community.  The foundation committee wanted to support the causes that the volunteer board of directors and senior leadership are active… Read More


As healthcare costs increase, long-term care insurance companies offer more options. A 2012 report from the American Association for Long Term Care Insurance found that the majority (56 percent) of new claims under these policies are for home care – not nursing home care (31 percent) as many consumers believe. While nursing home care definitely… Read More


Retirement planning is a tricky process, and one that requires careful planning and patience. But even if you have a retirement plan and a clear set of visions and goals, not just financially, but for your lifestyle, it’s important that you be aware of several common missteps that many, even those with a plan, fall victim to.… Read More


With the cost of college constantly going up, scholarships are one way to help tame student loan debt. Check out this short, educational video as we talk about ways to find, apply for and win scholarships on this edition of Ascentra Making Cents.  To see more videos of our monthly financial education segments like this one,… Read More