Have you ever wondered about the differences between credit unions and banks? First, let’s start with their similarities. For one, credit unions and banks both accept deposits and withdrawals, while providing loans and a variety of checking and savings accounts. But credit unions have one very significant and noteworthy difference: credit unions are not-for-profit, cooperative … Continue reading “Be sure to share the benefits of Liberty Savings with your friends and family”
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Mutual funds are one of the most popular ways for Americans to invest—and for good reason. Unlike other investment vehicles, mutual funds offer diversification, professional management and convenience all under one roof. The concept of a mutual fund is simple. A company that makes investments in other companies offers you shares in their mutual fund. … Continue reading “Mutual fund basics everyone should know”
Short of winning the lottery or landing a super-size bonus, is it possible to end up with more money without giving up all the fun things we enjoy? Sure it is! It’ll take some time and a little effort, but shifting a few things can make a positive difference in the way you spend (and … Continue reading “Have more money without losing your lifestyle”
Many full-time and part time employees have the benefit of a company-matched retirement plan, referred to as a 401(k) for the part of the tax code authorizing it. These tax-deferred packages are the principal retirement vehicle for just over half of people in the United States. Americans put away about 6% of their pay in … Continue reading “Borrowing against your 401(k) – is it ever a good idea?”
Total up the credit card debt of all the people in America, and it gives each household a staggering balance of $7,115 according to the Federal Reserve. Among just those who have debt, the average balance in $15,252. About half of households regularly carry a credit card balance. With high rates of unemployment, circumstances often … Continue reading “Credit card debt: how it hurts and how you can escape”
We all love our pets. Cats, dogs, ferrets and furry babies of all sorts are members of the family. They eat and sleep under the same roof. They give affection when you’ve had a rough day. Your fridge, mantle and social media are full of pictures of your animals clowning around, just like any other … Continue reading “Saving at the vet: keep your furry friends from breaking the bank”
The average American between the ages of 35 and 44 has just over $22,000 dollars saved for retirement. For people who are entering their prime earning years, this is far too low. If you want to retire at age 65 and live on $50,000 a year, you’ll need about fifteen times that much, assuming you … Continue reading “Your IRA investment: what you need to know”
Did you know that only 10 percent of Americans know their credit score? Those are the findings of a survey commissioned by TrueCredit.com, a web subsidiary of the credit bureau, TransUnion. “It is shocking how little Americans know about their credit,” said John Danaher, president of TrueCredit.com. “Good credit is a cornerstone of your financial … Continue reading “10 things you can do to improve your credit score”
Part of bringing up children is giving them all the tools they need to survive and do well in the world and environment in which they live. In the United States today, that means helping them understand the value of and the concepts of earning, using, saving and investing money. Parents neglect teaching children about … Continue reading “Talking to your kids about money”
Want a better way to monitor your child’s spending? Maybe you want to send money to a relative far away. Or maybe you have trouble balancing a checkbook and need a low-cost way to keep your money safe and usable. For these times and others, Liberty Savings has a solution. With a Visa Prepaid card, … Continue reading “Three ways to use a reloadable Visa Prepaid card”
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