Tag: financial planning

Have a Plan Before Starting Your Holiday Shopping

[ 0 ] December 4, 2015 |
Have a Plan Before Starting Your Holiday Shopping

The 2015 holiday shopping season is well underway, but it’s not too late to consider some money management advice, before you venture out to the mall or on the Web. “First, try and keep it in perspective, when it comes to shopping,” said Katie Bossler, GreenPath personal finance counselor. “While some people like to get all their shopping done at […]

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Learn the Differences Between Debt Settlement, Debt Management and Bankruptcy

[ 0 ] August 10, 2015 |
Learn the Differences Between Debt Settlement, Debt Management and Bankruptcy

By: GreenPath, Inc. — also known as GreenPath Debt Solutions — is a non-profit, credit counseling organization that has been helping people get out of debt since 1961. If you’re struggling with credit card debt, knowing where to turn for help can be confusing. The key to success is making an informed decision. GreenPath recently […]

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Free Credit Counseling

[ 6 ] July 6, 2015 |
Free Credit Counseling

In the last issue of Money Rep, I briefly described some options our members have to avoid the heavy interest and fees associated with payday loans.   As identified in that article, one of the benefits of your membership at IAACU is free credit counseling.   There are five Certified Credit Union Financial Counselors (CCUFCs) on staff […]

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IAACU an Alternative to Payday Loans

[ 0 ] April 6, 2015 |
IAACU an Alternative to Payday Loans

Payday loans are big business — $7.4 billion annually, according to research from the Pew Charitable Trusts.  Each year 12 million Americans take out these loans from storefront locations, Web sites and even banks.  An article I recently read, which warned of the dangers of payday loans, was actually sponsored by three payday lenders!  Why?  […]

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The Strategic Tradeoffs of an Extraordinary Dividend

[ 4 ] December 31, 2014 |
The Strategic Tradeoffs of an Extraordinary Dividend

There’s something very special about beginning a new year.   It’s a time to consider the successes and challenges of the past and to make a fresh start.  While we respect what has brought us success, we also need to keep moving forward to consider better ways to advance the financial well-being of our members.  J.J. […]

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Young Adults Facing More Debt than Ever

[ 2 ] August 6, 2014 |
Young Adults Facing More Debt than Ever

By Colleen Jirikovic, GreenPath Counselor, Michigan GreenPath, Inc. — also known as GreenPath Debt Solutions — is a non-profit, credit counseling organization that has been helping people get out of debt since 1961.   Millennials are facing a more challenging financial future, but they can succeed with proper planning and money management. People in their […]

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Making Summertime Budgeting Fun for Kids

[ 0 ] July 9, 2014 |
Making Summertime Budgeting Fun for Kids

Your kids want to use their free time in the summer having fun and you want them to learn important life skills, like budgeting. Fortunately, there are several activities that can make learning about managing money entertaining. Here are some for youngsters at different ages: 3–5 years old The “needs” and “wants” game Learning the […]

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Is Zero Percent Financing a Good Deal?

[ 0 ] June 19, 2014 |
Is Zero Percent Financing a Good Deal?

If you are in the market for a new car you’re probably aware of the dealer/manufacture incentives designed to get you into their showroom and ultimately sell you a vehicle. Some of these incentives involve a generous rebate or zero percent financing. No doubt these are both great offers but how do you determine which […]

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