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Financial Literacy

Balance Your Finances

In today’s day and age, balancing a checkbook has become a thing of the past. It is something we remember our parents doing.  With modern technology, many people do not bother to balance their checkbooks anymore. In fact, most of us have done away with actual, physical checkbooks entirely by paying our bills online using…

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Your Life Goals, Are Our Life Goals

If there’s ever a time that “millennials” need cooperatives, it’s now. The last ten years have been quite transformational for this generation of young adults. Younger millennials just graduating college likely saw their parents lose jobs, benefits, and pensions while bank executives lost nothing. According to a study by Filene Research Institute, millennials make about…

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Simple estate planning for everyone

compass

If you think that estate planning is for the rich, you are wrong. While people with many assets definitely need estate planning, so do people of moderate or few assets. Your estate is simply your net worth, or what you own minus what you owe. Estate planning is just a plan for what happens to…

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Don’t fall for these common money myths

money myth illustration

Even the most battle-tested budget warrior might be making money decisions based on bad information, according to results of a recent survey. Charles Schwab interviewed 998 people to discover their biggest financial misconceptions. A large number of them believed common money myths. In fact, those who described themselves as “savvy” actually were more likely to…

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The payday lending trap

payday loan image

You’re in a financial bind and need some quick cash. You’ve seen payday loan stores all over town and think “Maybe I should try that…” Don’t fall into that trap! Getting a loan with a payday lender could send you down a deep hole that may take years to get out of. Here’s how payday…

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