The fresh slate of a new year is here—and so is your old pal Jim Yates!  You’ll love the way this conversation feels like you’re sitting down for coffee with your most finance-savvy friend, with the goal of getting your finances in their most prosperous place yet. Tap the “play” button to listen to the episode now: As Jim mentions, setting up sub-accounts and automatic deductions from checking to savings helps tremendously with meeting your savings goals.  To get started, give us a call, or stop by the branch; we can get you all set up in no time!  Be…

There’s nothing like the feeling of a clean, fresh slate to start the new year. Harness that energy into trying out the tips we’ve shared below, and you’re set to have your most fiscally responsible year yet! Tips for Growing Your Savings Regularly add to savings using payroll deduction and flex-spending plans Increase 401(k) contributions with each raise Maintain an emergency fund covering at least three months of expenses; there’s tips for that below! Tips for Managing Your Spending Avoid impulse buys and comparison shop Carry minimal cash Prefer home-cooked meals and plan menus in advance Resist lifestyle inflation Avoid…

Attention parents! Have you ever thought about your child’s credit report? While we often monitor our own credit, our children’s credit is sometimes overlooked, making them vulnerable to identity theft. Many incidents of identity theft can go unnoticed for years, often only emerging when the affected child applies for college financial aid. To prevent this, it’s crucial to take proactive steps to protect their future financial integrity. One of the best steps you can take is to place a credit freeze on your minor child’s reports with all three major credit bureaus. Federal Trade Commission – Consumer Advice This process,…

Computers, tablets, smartphones, TVs, thermostats, cameras, doorbells, and lightbulbs: What do all these things have in common? They are all devices that connect to your home network and the internet. If you had to guess: How many connected devices do you have in your home right now? Click here to download a printable PDF where you can keep track of all your devices in one place! Let’s review some steps you can take to keep your home network safe from potential cyber threats. How to Secure Your Modem and Router Modems and routers act as the gateway between your devices…

Do you feel your eyes starting to glaze over when people use terms like “equity,” “variable rate,” or “EMV?” Well, we’re about to change that!  Learning the meaning of common terms used in finance (including “equity” and “EMV”) will not only make it more exciting to be part of financial conversations, but also start you on the road toward your better financial future… today! Financial Terms Everyone Should Know Investment: This is an asset which has the potential to grow in value, such as real estate, stocks, certificates, and bonds. (Cars, unless antique and collectible, are not investments because they…

Summer is a popular time to travel, whether for a relaxing overnight or a week spent exploring a new destination. You’ll likely be taking along your smartphone or other device to assist with directions, locating or identifying points of interest, and capturing that special photo. Practicing good cyber hygiene before, during, and after your trip will help secure your devices and allow you to connect with confidence when you’re away from home! Before You Travel Update your devices. Updating devices will fix security flaws and help keep you protected. Whether it’s your computer, smartphone, or gaming device, be sure to…

Check out these great tips to improve your saving habits—and make smarter choices about your spending—today! Start with these simple wins:   Use bill pay. Sign up to Round Up and Save with your debit card.Use a card with rewards! (We have rewards on both debit and credit cards.)Open a Christmas Club or other special savings account. (With AirTeller, you can do this online.)In AirTeller, add tags to your transactions. This makes tracking your spending even easier. Zero out your money at the end of each day. For example, if you have $24 in cash at the end of the day, put…

Don’t fall victim to a fraud! Here are 10 tips to outsmart even the trickiest tricksters.  1. Spot Imposters. Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with. Don’t spend money or give out personal information in response to an unexpected request, whether it comes as a text, a phone call, or an email.  2. Conduct Smart Searches. Not sure if a message or email is the real deal? Type the company or product name into your favorite search engine along with words like “review,”…