May 24th, 2017

Archives


Managing debt.

Understanding the different types of credit can help you better manage your debt. Secured credit includes loans or lines of credit that are secured by either the item being purchased, like an automobile, or secured by some other form of collateral, like your home.  Secured credit will almost always have...


Put yourself in the driver’s seat.

Buying the right used car the right way can be a great financial decision for several reasons: You’ll be able to take advantage of that “immediate” depreciation that occurs as soon as a new car has been driven off the lot. In just the first year, that can mean as...


Creating a Personal Financial Directory

If you were to become incapacitated or die, how easy would it be for relatives or someone else to take over your financial affairs? Would they have to search through a mountain of paperwork? If you don’t receive paper statements, would they even find out about all of your accounts?...


Should I Consolidate My Debt?

Exactly what is a debt consolidation loan?  Do you need one? Will it really help reduce your debt? It is fairly common that offers for debt consolidation roll in at the beginning of the year.  After all, billions of dollars are spent during the holiday season and much of that...


10 Home Buying Tips

CNN Money offers up some great tips for anyone considering the purchase of a new home and here they are: Don’t buy if you can’t stay put – at least for a few years. Shore up your credit – and start by reviewing your credit report. Buy something you can...


Budget Tracking – Seriously

All too often we don’t take budget tracking seriously enough.  Many of us have become so used to having what we want instead of or in addition to what we need.  Stop and start tracking your spending now.  Right now.  Get a notebook and a pen, or use your phone...


What do you really want in a car?

What do you really want in a car?  Think about it before you ever go to a dealership.  Are you more concerned with the safety features, the price, or the image?  Or is it something else entirely? When you’ve determined your true motivation, research, research, research before you make a...


Tips for buying a used car

Besides a home, an auto purchase is one of the biggest purchases most of us make.   Buying a used car can be a little scary, but when you do your homework, purchasing a used car – particularly a later model – can be a really smart purchase.  That’s because a...


Head down the GreenPath.

Whether you need to develop a budget, save for your children’s education, put away funds for retirement, or buy your first home, GreenPath can help. GreenPath provides a free benefit available to Cornerstone members. From self-guided e-learning financial education modules to formal money management and debt counseling programs, GreenPath can...


Understanding credit card penalty rates.

One false move and BAM! Ever notice all of that fine print associated with credit card offers? It really pays to read beyond the headline when it comes to credit cards.  What sounds like a great offer up front, e.g.,  0% for 6 months, can have a lot of strings...

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