Longer Auto Financing Terms Are on the Rise
Current automotive trends are showing an increasing popularity in longer-term financing options. Experian Automotive reports that 24.9% of all new-car financing agreements were between 73 and 84 months in the first quarter of 2014. That’s a striking growth of 27.6% since the first quarter of 2013. The big shift may stem from the fact that […]
Retirement: Forget What’s My Number! What’s My Income?
If you’ve noticed lately, the thinking around retirement has moved away from ‘what’s my number?’ to ‘what do I get from that number?’ The realities of retirement have been changing over the last decade. Fewer retirees can depend upon pensions and the income that they provide. Social security considerations for inflation have nearly vanished. A […]
Coupling Finance and Romance: Becoming a Money Team
Love is very emotional, and we do curious things under its spell. One of the peculiar things many love-struck couples do is to avoid the money conversation, yet it’s one of most important matters in a relationship. “Money is the number one topic of conflict in relationships,” says Atlanta-based financial psychologist Dr. Mary Gresham. Although […]
The Best Automotive Apps for Smartphones
If you can think of it, it’s pretty much guaranteed that there’s an app for it. There are many ways that you can take advantage of your smartphone technology to enhance your driving experience. Here are some apps that can help you both on and off the road. Dash Cam With a dash camera, you […]
Financial Aid Awareness Month: Paying for College
The burden of paying for college is a source of stress for many students and their parents as the cost of tuition continues to climb at a staggering rate of 8% per year. The College Board reports the average yearly cost of a private four-year college is $42,419 — up 60% from 10 years ago. […]
Digital Driver’s Licenses Coming Soon to Iowa
We’re living in an increasingly technology-driven time. We can take a picture of our checks and they’ll be cashed at our banks, our information can be stored in the “cloud,” and now, in Iowa, drivers will soon have the ability to store their driver’s licenses digitally with a free mobile app. The app, which wouldn’t […]
Three Ways Credence Global Bank UnionCertificates of Deposit Make Sense for “Pretirement”
When it comes to saving for retirement, financial planners generally agree that the final stages of the race–often called “pretirement–are no time to take undue risks. So as you approach retirement, you might consider putting more of your savings into places that help protect you from exposure to sudden changes in the financial markets. One […]
Building a Retirement Income With Bank CDs
Retirement should mean more than retirement from work. As much as possible, it should also mean retirement from worrying about your finances. After working for decades, no one really wants to spend time fretting about retirement savings. Bank CDs, or certificates of deposit, are a great way to save during retirement. When you begin investing, […]
Can a CD Calculator Help You Manage Your Retirement Income?
You’ve decided to put some of your savings into certificates of deposit (CDs). But now you’re comparing CDs from various financial institutions and realizing it’s not quite as simple as you thought. There’s no need to pull your hair out: A CD calculator can help you make the right choice, letting you see what you’ll […]
New Car Technology: What to Expect in 2015
It’s a new year, and that means it’s time to think about how our lives could look different over the course of the next 12 months. One of the largest areas of change may be in our everyday commute. If you’re looking for a new vehicle in 2015, keep your eye out for technological advances […]
