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Author Archives: Research Department

The Dirty Money Conversation: Marital Financial Failures That Cause Divorce

couple working

For some reason, talking about money can feel dirty. People avoid it, especially in romantic relationships because it can lead to arguments. One of the benefits of marriage is the financial advantage of two incomes and shared expenses. When couples cannot have the “dirty money” talk, their marriage suffers, resentment and distrust builds and the relationship fails. Here are the ... Read More »

    What Are Americans Doing With the Gas Money They’re Saving?

    car broken

    Americans are enjoying a nice raise at the moment, in the form of dramatically lower gas prices. The government’s Energy Information Administration estimates that the average household will spend $ 750 less on gas this year, which is like getting a roughly $ 1,000 raise, since the savings aren’t taxed. For a little perspective, the 2008 economic stimulus package passed ... Read More »

      How Fast Can a Secured Credit Card Improve My Credit?

      Credit cards

      If you’re trying to build credit for the first time or improve a credit score damaged by past financial problems, you may have heard advice about using a secured credit card. Using a secured card can be an effective way to establish a positive credit history, but it’s not a one-size-fits-all strategy. For some consumers, using a secured card can ... Read More »

        Springboard Encourages Consumers to Set Financial Goals

        Financing a budget

        Riverside, CA (PRWEB) February 23, 2015 Springboard Nonprofit Consumer Credit Management, Inc. (“Springboard”) is urging individuals and families to assess their saving status this America Saves Week to ensure they are on track to reach their financial goals. America Saves Week, nationally recognized February 23 – 28, 2015, serves as an annual reminder to consumers to both promote good savings ... Read More »

          Savingforcollege.com 529 Plan Performance Rankings Show Winners

          casual woman saving money

          Pittsford, New York (PRWEB) February 23, 2015 Strong and consistent investment performance from direct-sold 529 plans in the District of Columbia, Alaska, Utah, and New York make them stand-outs in a newly-released set of 529-plan performance rankings. Savingforcollege.com’s 529 Composite Performance Rankings are based on one-, three-, five- and ten-year investment performance of all 529 plans through December 31, 2014. ... Read More »

            Debt Consolidation USA Explains How A New Child Affects The Budget

            I personally hate the process of data gathering and tracking spending, but that doesn't mean it's not a critical step and something we each have to do in order to make wise decisions.

            Debt Consolidation USA recently shared in an article how the household budget of a family will be affected when they are expecting a new baby. The article lays out some of the most common changes in the budget to help families manage their expectations and to prepare better for them. New York, NY (PRWEB) February 22, 2015 Debt Consolidation USA ... Read More »

              Why Are Borrowers With Less Student Loan Debt More Likely To Default?


              (Xavier J. Peg ☠) Just days after the Federal Reserve Bank of New York showed that student loan delinquency rates were once again on the rise, a new Fed report finds it’s student loan borrowers with the lowest levels of debt who typically are the most delinquent. The FRBNY reports that it’s often the people with the least amount of ... Read More »

                These Apps Can Help You Painlessly Save Money


                You know you should be saving consistently, but you just can’t seem to remember to do it. Automating your finances — meaning you set up your funds to be moved from your checking to savings account each month — can help you save without thinking about it. Two new savings apps — Digit and Acorns — have launched recently to ... Read More »

                  Andrews Federal Credit Union Scholarship Program Now Open

                  Local Credit Union ATM

                  Credit Union to award eight $ 1,500 non-renewable college scholarships. Deadline for submission is April 23, 2015. (PRWEB) February 20, 2015 Andrews Federal Credit Union announced the opening of its 2015 Scholarship Program. Eight $ 1,500 non-renewable college scholarships are available to students who are Andrews Federal members or dependents of members in good standing as of February 1, 2015. ... Read More »

                    The Real Reasons Money Stresses You Out (Regardless of How Much You Have)


                    By Jan Bruce The APA’s 2015 Stress in America survey was released this month, and I’m curious if you recognize yourself in their findings. First, if you’re female, you’re probably significantly stressed. If you have money worries, you’re likely very stressed. If you’re a woman who has money worries, boy do you have it bad. The fact is, there’s no ... Read More »

                      FTC Sends Refund Checks Totaling More Than $464,000 to Consumers Who Lost Money Buying Deceptively Marketed ‘Fat Burning’, ‘Calorie Blocking’ Diet Pills


                      More Than 11,500 Checks Are Being Mailed Starting Today The Federal Trade Commission is mailing 11,585 refund checks totaling more than $ 464,000 starting today to consumers who lost money buying dietary supplements deceptively marketed as “fat burning” and “calorie blocking.” These are legitimate checks, and the FTC encourages consumers who receive them to cash them before they expire on ... Read More »

                        Debt Consolidation USA Talks About Economical Valentine’s Gifts

                        Happy Preg Couple

                        Debt Consolidation USA recently shared in an article how consumers are considering financial decisions even during the Valentine’s season. The article looks at how consumers factor in their finances even when choosing a gift for their loved ones during special occasions like Valentine’s day. Dallas, TX (PRWEB) February 20, 2015 Debt Consolidation USA recently shared in an article how consumers ... Read More »

                          A Modern Family’s Guide to the FAFSA

                          Woman in home office with computer and paperwork frowning

                          One of my guilty pleasures is the TV show “Modern Family.” This “mockumentary” style comedy pokes fun at what one TV critic described as “the evolving nature of what constitutes ‘family’.” When I do my college planning workshops, I always get asked which parent’s assets to use when filling out the FAFSA form. Considering the many forms that today’s modern ... Read More »

                            Baby Boomers and the Dilemma of Facing Retirement

                            Ready to Collapse

                            In 2006, the group of Americans known as baby boomers (1946-1964) turned 60 years old. Now almost a decade later, a number of them are either heading toward or have entered the retirement phase of their lives. The fact is that this is a transition that is not always as serene as many boomers envision such an experience will be. ... Read More »

                              Foundation for Financial Planning Provides Free Financial Planning for Needy


                              Atlanta, Georgia (PRWEB) February 19, 2015 The Foundation for Financial Planning, a 501 (c) (3) non-profit charitable organization has elected two new trustees to its Board of Trustees: Kristina Hooper, head of U.S. Capital Markets Research & Strategy for Allianz Global Investors and Stewart H. Welch, III, founder and managing member of The Welch Group, LLC. The newly elected Trustees ... Read More »

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