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Tag Archives: Personal Finance

New Updates in 1080 eMoney

Starting on August 22, we are releasing an update to your 1080 eMoney Personal Financial Website. The updates are intended to help organize and make things even easier by creating a better user-friendly experience. Here’s What’s Changing:  – A modern … Continue reading

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Our Ultimate Financial Survival Guide

Check out our new Ultimate Financial Survival Guide! It provides helpful tips and insight regarding various topics that are all geared towards helping you set up a solid financial foundation. The Ultimate Financial Survival Guide discusses: – setting financial goals … Continue reading

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A Goal Without a Plan is Nothing

Even though it’s a busy time for most of us, it’s also a great time to consider (or reconsider) our life goals, especially as they relate to how we use our precious resources – time, energy, and money. And, in … Continue reading

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Money Personalities

Over the years, attempts have been made to figure out just how money personalities work for different individuals. In order to understand how to target consumers for their businesses, the financial service and retail industries continually research differences in people’s … Continue reading

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Four Money Lessons

I’ve never liked the word “mistake” – it always seems to grate and add a lot of guilt to what is possibly just a need to learn a new lesson or correct an error in judgment. One of my favorite … Continue reading

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Vacation or Staycation?

Everyone needs time away now and then – from work, school, people, and even from responsibility. Traditionally, families look forward to these times to have the chance to discover, relax, and to engage in activities that aren’t typical day-to-day events. … Continue reading

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Protection from Creditors

When you find yourself in a scenario that you must deal with debt collectors, these seven tips will help you out: 1.Ensure it’s your debt: Be careful when answering calls from debt collectors. You might get calls that aren’t made … Continue reading

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Coping with the Loss of a Loved One

Coping with the Loss of Your Spouse and its Financial Impact Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can … Continue reading

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The Curious Case of Good Debt vs. Bad Debt

“Good debt is a powerful tool but a bad debt can kill you.” Before you knock the door of a bank or a credit card company, it’s essential to know the basic difference between good debts and bad debts. Some … Continue reading

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Harassment from Debt Collectors

Harassment from debt collectors can come in a variety of ways. There are laws set by the Fair Debt Collection Practices Act (FDCPA) that debt collectors are supposed to abide by, but some don’t. It is important when dealing with … Continue reading

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Can I Pay Off One Credit Card with Another?

A recent phone call from a friend asking a question for another friend prompted my consideration as to the ins and outs of whether one credit card can be paid off with another credit card. My immediate thought was, well … Continue reading

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Financial Coaching or Financial Planning?

Most consumers realize at some point in time that there are questions about money that aren’t an inherent or learned part of knowledge and skills. Unless a family member, teacher, friend, or other resource took the time and had the … Continue reading

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The Most Important Financial Concept

I recall many years ago at a Junior Wall Street workshop (yes I really did attend one in my early teens) learning from veteran brokers and traders at the New York Stock Exchange, and hearing them tell me that the … Continue reading

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How to (Un) – Kill Your Credit Score

If you’ve ever gone online to get your credit score or visited with a lender to borrow money and found your credit score to be lower than you expected, you may have freaked out at how horrible it was. So, … Continue reading

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The True Cost of Taking a Break

Every one of us looks forward to taking a break from our routines sooner or later. Whether it’s to visit family or friends over a holiday, a weekend trip to the mountains to ski, or a kid-cation to one of … Continue reading

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Top 3 Things for Your Tax Refund

It won’t be long until nearly everyone in America will participate in the annual activity of filing their taxes to determine their refund, if they owe more or will break even. Most of us know ahead of filing our state … Continue reading

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Teaching Your Kids About Money

I recall from my life as a young teen that, after spending most of my years fully ignorant of the money our family had or frankly worrying about it at all, my mother made it clear to me and my … Continue reading

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DIY Family Style

At a time when just about everyone in the household who can work goes to their job every day, maybe it’s time to consider doing some of the tasks around the house that we have been paying someone else to … Continue reading

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Real Cost of Home Improvements

Buying a home is a big decision and an even bigger investment. For many, purchasing a home will be their largest financial transaction in addition to becoming the most valuable asset they own. While some buyers look for “move in … Continue reading

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Protecting Parents from Financial Abuse

News about financial elder abuse is becoming more common nowadays. Whether it’s via phone, mail, internet, or even through direct interaction, vulnerable seniors are being targeted frequently.  We often think that such a thing won’t happen with our parents or … Continue reading

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Time to Get Out of Debt

If you are waking up at night wondering how in the world you will ever pay off debt and continue all of the regular expenses incurred day to day for 2017, it’s a great time to consider how you’d approach … Continue reading

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Fiduciary Education Better than Regulation

There’s been a lot of buzz in the media again lately about the DOL Fiduciary Rule. In large part, it seems people are concerned by the Trump administrations announcement to do away with it. Unfortunately, politics as usual, is getting … Continue reading

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Turn Off the Lights

Although there are many ways to curb household expenses, one of the areas that often gets the least consistent attention is the use of utilities and the associated costs. Often, it’s as easy as remembering to turn off the lights … Continue reading

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Step Down Spending

Whether you’ve lost a job or are considering intentionally reducing your spending in an effort to save more or prepare for retirement, there are ways to step your costs down a notch or two without completely altering your lifestyle.   … Continue reading

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Save on THIS in January

Every year, many experts publish articles and lists of items that go on sale throughout the year. We as consumers often purchase goods as we think we need or want them, and not always when it’s best for our pocketbooks. … Continue reading

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Which is Better: Traditional or Roth IRAs?

Let’s start with the basics. IRA stands for Individual Retirement Account and just about anyone can open one. In order to contribute to an IRA you must have earned income. Traditional IRAs and Roth IRAs have many similarities, but there … Continue reading

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Achieving Goals in 2017 the SMART way

It just happened again, 2017 is here and just like last year it seems that time is passing by faster and faster. If you haven’t already, take a moment to reflect on where you were the beginning of last year. … Continue reading

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Top 3 Holiday Bonus Ideas

The end of the year is near and that means it’s holiday bonus time! If you’re fortunate enough to receive a bonus this year, there are three very important things you should consider doing with it above all else. First, … Continue reading

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The Holiday Gift that Keeps on Giving

Ever notice your closets are packed full? Even if you move to a bigger house with more closet space, you’ll soon fill them up. The inverse is true with our checking accounts. We tend to spend what we have in … Continue reading

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