Four essential financial skills that must be learned in life are: opening a bank account, building and maintaining credit, investing, and saving for retirement. The problem is that these essential four are rarely being taught alongside Science, Technology, Engineering, and Mathematics (STEM) and other subjects in schools as part of critical skills. But, this knowledge…
Commitment to Financial Literacy Creates a Pathway to Increased Financial Inclusion
So, You’re Getting a Tax Refund!
Discovering that you’ll be getting a tax refund is certainly not the worst news you’ve had in your life. In fact, it’s easy to see a tax refund as some kind of gift from the universe. But here’s the truth: More than likely, it’s part of your paycheck that you should have been getting all…
4 Great Homeowner’s Insurance Tips
Let’s face it: no one likes to think about insurance or the reasons why we may need it. No one wants to ponder bad things happen to their properties or worse, their family members. But insurance is important. It can give you peace of mind when things are good, and help you recover from the…
The Pros and Cons (Mostly Cons) of the Interest Rate Increase
On March 16, money became more expensive. Any time you buy something on credit, you are essentially “buying” money. You agree to pay that money back over time, but often pay interest on that borrowed money. The interest rate for that borrowing is determined using the federal reserve benchmark rate as a starting point. From…
If Your Bank Merges, Should You Shop Around or Stay Put
Bank mergers and acquisitions happen regularly and can lead to streamlined services and better offerings for consumers, but they can also sometimes create challenges like less access to branches or customer service difficulties. If your bank is merging or being acquired, it will probably try to make the transition process of moving your account as…
‘Where’d the Money Go?’ How to Handle a Windfall
Tax refunds. Child tax credits. COVID-19 relief checks. We dream of the next unexpected bundle of money that lands in our lap. Perhaps it’s a few hundred dollars earned from a garage sale, maybe even more from a job bonus, or hundreds of thousands from a winning lottery ticket or inheritance. Our minds race with…
Use Your Tax Refund to Knock Down Debt, Lift Your Finances
April 7, 2022
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So you’re expecting a tax refund this year. With inflation driving up the price of gas, food, and nearly everything else, that extra money can’t come soon enough. The hard part is deciding how to spend it. Should you invest the money? Book a trip? If you really want to do yourself a favor, use…
How to Keep Your Tax Return from Getting Hung Up
There may never be a good time to draw the IRS’ attention, but this year you really want to avoid extra scrutiny. The IRS is so understaffed and overwhelmed that even a tiny mistake could delay your refund for months. A return that requires “manual processing”—basically, any action by an IRS employee—could join a massive…
How to Put Your Tax Refund to Work for You
April 5, 2022
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If you’re eagerly anticipating a tax refund in the coming weeks, you have good reason to be optimistic: The IRS reports that about 77 percent of tax returns filed last year generated a refund, and the average refund was $2,815. Even though what can feel like a gift from the government is actually a delayed…
How Home Improvement Funds Upgrade Your New House to a Home
April 4, 2022
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If you’re preparing to buy a home, you’ve probably been saving up for the down payment and other closing costs. But if that nest egg can only get you through the front door, it may not be enough. Once you own the home, you also own its peeling wallpaper, aging water, heater, and the carpet…
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