Tuesday, July 26, 2016

With ‘Pokémon Go,’ If You Gotta Catch ‘em All, Consider The Price

Friday, July 22, 2016

Volunteer Your Child For Success Later In Life


Volunteering is one of the most selfless acts a person can do. It’s all about experiencing things as someone else experiences them, and making life a little better for the both of you. Some parents would rather their children spend that time studying instead of doing something selfless. Volunteering, to them, is nice in theory, but just not worth it. What if, though, volunteering could help you as much as it helps your community? There’s nothing selfish about seeking a win-win.

Thursday, July 21, 2016

A Different Breed Of Diversification: What Multiple Certificates Can Do For You

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Monday, July 18, 2016

Going Green: Save The World While Saving Money

What are my options for digital banking?

In the age where errands can be done from your living room couch, banking is right there along with shopping for clothing or airline tickets.

Digital banking is growing greener with each technical advancement. Mobile banking helps the environment by saving the gas you’d need for the trip and the paper used for statements and receipts. Credit card use saves on paper, metals and energy used to create, track and replace cold cash. With instant-pay sites like Paypal and online bill paying, virtually all paper use in the production of checks, receipts and money is eliminated.

Are there any risks to digital banking?

The benefits are fantastic, but digital banking does come with several minor risks. Some people find budget-keeping more difficult when a glance at a phone screen reveals a generous bank balance while neglecting payments that are still outstanding. The best fix for this is to set up separate accounts for savings and spending so you know exactly what’s in your checking account. Also, there are some things, like setting up new accounts and making certain deposits, that must be done in person.
The biggest threat is the fear of hackers and identity theft. To this end, CORE uses industry-leading security protection technology, which can be strengthened when you choose strong passwords and refrain from banking on public computers. In fact, the advent of online banking has reduced the quantity of paper scraps containing personal information. This in and of itself is reducing incidences of identity theft.

Do any banking initiatives directly support environmental sustainability?

Every ethical financial institution’s goal is to support the sustainability and health of its community. Credit unions lead the charge nationally by supporting local businesses. The shorter the distance that goods travel, the less CO2 that leaks into the atmosphere. CORE has also contributed to green initiatives across the community, such as alternative energy and sustainable agriculture. You can help these efforts by choosing an energy-efficient car or adding green features to your home.

How can this help me?   

Aside from the benefits of going green, sustainable banking offers many advantages: it can be done anytime, anywhere. You save on gas. Emailed receipts and monthly statements keeps everything organized and in one place, which also helps with budgeting.

Instant payment allows you to, well, be paid instantly. No more misplacing checks or waiting for them to clear. With automatic bill payments, you can forget about your bills without forgetting to pay them, keeping your stress levels down and your credit scores high. Green auto loans and mortgages allow you to save money on purchases that might have previously been more expensive. Ultimately, saving the earth can save you time, money and energy.
To be part of the future, take these four easy steps:
  • Download our app for easy access to your accounts from anywhere in the world.
  • Enroll in paperless statements to get your important financial updates via email.
  • Set up direct deposit to split your paycheck between your savings and checking accounts and/or to make loan payments.
  • Use online bill pay to automatically and securely pay your bills each month.

Thursday, July 14, 2016

Got Any Plans For Half-Christmas? Want Some?


Growing up, my family used to celebrate Christmas in July. Now that I’m paying for it, July is a reminder of the Christmas pinch. What can I do to get ahead of the holidays this year?

Wednesday, July 13, 2016

College Jobs: On Or Off Campus?


Face it: You need a job. Maybe it’s just for spending money, or maybe something else is pushing you toward employment. You could need an excuse to leave campus to escape the college bubble for a short time. You could be working on your networking skills to help climb the ladder toward a “real job” in your chosen field. You might also be needing to pass the time until the next adventure comes along. There are even study benefits! A 2009 Boston University study revealed that a work schedule forces students to create a study schedule and stick to it. Without a job, many students struggle with time management. The question for today’s students, then, is: Do you work your job on campus or off?
 
There are many advantages to working a job on campus. For starters, depending upon the size of your college, you may be able to walk to work. Save the commute and the gas bill for your out-of-school job! The schedule may be more flexible when it comes to working around classes and big projects. After all, your employer works for the school and understands that learning is a priority. These factors can make it much easier to juggle a job with school. You can also meet many of the “behind-the-scenes” people at your school, which can get you the inside scoop on many school policies.
Unfortunately the biggest drawback of an on-campus job is that the money may not always seem “real” to you. The on-campus work-study programs at many schools put your paycheck into your tuition, so you never really see it. Some students prefer this method because they know for certain it’s going toward their future, and not their taco budget. The range of jobs available on campus is also smaller, so you may not be able to find something that fits your career path as easily.
 
The primary draw of an off-campus job usually comes down to money. With so many more options, it’s pretty much a guarantee you’ll find a better paying job outside the school environment. Plus, what you earn is money where you decide the use. You can contribute it toward your tuition, buy groceries or start a retirement account. Off-campus jobs are also more often seen as “real jobs” on resumes, and employers tend to take them more seriously. You can also network more while outside the college bubble, and get a break from the stress of school.
 
An off-campus job, though, may also have less flexibility. They’re not going to care as much if your final is the next day while assigning you the graveyard shift. There’s also the problem of transportation, as you’re going to be expected to be punctual with no excuses. Public transportation is usually the best option if you don’t have your own vehicle. It’s inexpensive and usually reliable on college campuses.
 
Though most of today’s students are sick of hearing this, it all comes down to making the choice that’s best for you. Are you willing to take on the hassle of transportation and scheduling if you get paid better and have more availability to meet new people? Or would you rather contribute to your campus culture? Ultimately, there is no wrong answer. Either option is beneficial, both now and in the future.

Tuesday, July 12, 2016

Share Certificate Shopping – How To Keep Your Money Spinning


article imageShare Savings Certificates are an excellent savings option. They’re NCUA-insured, they’ve got a better dividend rate than a savings account and they’re generally safer than the stock market.

Monday, July 11, 2016

Brextastrophy Or Brexportunity? What The Brexit Vote Means For Homebuyers And Homeowners

The recent decision by the United Kingdom to leave the European Union has led to serious turmoil in stock markets around the world. Many investors are panicking and selling off stocks in a hurry. Smart investors, though, can be prepared to ride out the storm by making a few savvy moves.

Thursday, July 7, 2016

The Chores Checkbook


One of the most difficult things to get kids to do with an allowance is save it. If you give your kids their money in cash, it’s really easy for that cash to go in one pocket and out the other in the form of candy, movie tickets and impulse items at any store checkout line. Trying to get them a real-life checking account is another no-go, even though managing a draft account is one of the most fundamental personal finance skills kids need to learn.

Friday, July 1, 2016

Independence Day Celebrations, Yesterday And Today


Do you know exactly what happened on July 4, 1776? What do our Fourth of July celebrations commemorate, and why?