Author: Joel Hilton

Health savings accounts (HSAs) are dividend-earning accounts specifically designated to pay the costs of managing your healthcare. If you're generally healthy and don't need to visit the doctor very often, an HSA is a great way to limit your upfront expenses and save some money in the long run. HSA vs. PPO Many people have preferred provider organization (PPO) coverage because that's the most traditional way. With a PPO, you are billed larger premiums by an insurance company whether you use the program or not. Health savings accounts are relatively new and this unfamiliarity makes some people hesitant about them.…

When you ride your bike instead of driving to work, school or the store, you gain a lot of benefits. Biking is both aerobic and anaerobic exercise, improves cardiovascular fitness, strengthens bones and prevents disease. Bike riding is also good for the environment as pollution-free transportation--and it's great for your wallet. According to AAA, the average yearly cost for owning and operating a personal vehicle is $8,558, approximately 15% of the median household income. This equates to over $700 a month or 57 cents per mile. And while regularly riding a bicycle won't cut out all auto-related expenses, it can…

Preventing fraud is sometimes as easy as keeping an eye on your money. Regular account monitoring can help protect your identity and keep your hard-earned funds safe. Many credit unions, banks and credit card companies will send a monthly statement, which you should always look over, but being proactive in your financial surveillance will give you an extra layer of protection. Logging in Online banking gives you anytime, anywhere access and that means you don't have to wait for a statement. Some people make logging in and going through account activity part of their morning routine. As you check in,…

When hardships & losses affect you or someone you care about, there are always financial implications and many wish to offer monetary contributions to a family or cause. There are many different crowdfunding options online, such as Go Fund Me and You Caring, that can collect funds. But they charge fees or payment processing costs, which take a cut out of the proceeds. By contrast, when you use America First memorial and charitable accounts, the recipient gets every cent raised. Plus, the money is safe in a financial institution you know and trust. Setting it Up The main difference between…

Your summer vacation doesn't have to break the bank. In fact, you can always get away without going far, enjoying events & entertainment without extensive travel expenses or costly hotel stays. Plus, when you use your Visa® from America First, you'll get additional savings at several local venues, such as: Lagoon Although it's over 130 years old, this amusement park in Farmington, Utah is constantly growing, improving and inventing new ways to thrill. It features over 50 rides for both children and adults including Cannibal, Colossus -- The Fire Dragon, Jet Star 2, Wild Mouse and Wicked. Also, be sure…

Farmers' markets are a great way to find fresh fruits, vegetables, meats and more in your neighborhood. They allow you to interact directly with the grower, which can also mean lower prices for delicious produce. If you've never been to a farmers' market before, or if you're only starting to attend, here are some tips to help you get the most out of your time there. Before you go Get to know the local fruits and vegetables in your region and find out what grows in which season. This will help you identify the freshest produce. For example, you may…

Father's Day is approaching, and since we had such a good time talking about money with moms, we decided to ask some local dads for some advice. We hope you enjoy these financial tips from fathers. Rob Live within your means -- spend less than you earn. Avoid debt like the plague that it can be. Always set aside at least some savings from each paycheck. Learn to be happy within your means -- it's actually quite easy to be happy on any income and it's nearly impossible to be happy when burdened by debt. You always have a car…

If you want to move, the question of buying an existing home or constructing a new one is probably on your mind. The truth is, there is no quick or easy answer. It depends on many factors, including time, money and your wants & needs. Here are a few pros and cons to help you decide if you should buy or build a house. TIME If your schedule is tight because you're relocating for work or your kids are about to start school, then buying is probably best. Once you find the right place, which can take a while, you…