Mindfulness Is Key to Spending Control
Are you spending too much? For many Americans, the answer is, “Absolutely.” The reasons are varied—lack of a budget or a desire to maintain appearances—but, to better manage your spending, many financial advisers recommend tracking your cash flow and...
How to Give Wisely This Season
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...
Launching Your Own Business: Are You the Type?
People who can start and run a successful business share certain traits. There are also certain triggers that motivate people to start their own business. Look at the descriptions below and see how many of them fit your situation. You know more than your co-workers...
Give the Power of a Roth IRA
The U.S. savings rate—as a percentage of disposable personal income— fluctuated greatly over the last 5 years. In 2015, it hovered around 7%. But in April 2020 when the COVID-19 pandemic roared to life and the economy began to suffer, savings jumped to 33.7%. In...
Debit Card: Should I use my PIN or Use it as Credit?
When you make a purchase using your debit card, you’re often given the choice between “debit” or “credit.” What’s the difference between the two? When you select “debit” on the card reader and enter your PIN (Personal Identification Number), an online transaction...
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