Category: Financial Education

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…

The cards in your wallet may look the same, but there actually are some major differences between credit and debit cards. Understanding the difference between these two payment methods can help you avoid financial issues and even earn some extra money in the process. Application A debit card or check card is, essentially, a digital checkbook. It is tied directly to your financial account. When you make a purchase, it is subtracted from the amount you have. Most banks and credit unions will give you a debit card to access the funds in your checking or savings account. You can…

Priceless weddings can oftentimes end up being, well, pretty pricey. However, it's possible to create a memorable and beautiful wedding without going into debt. Here are some ways to make your big day special without breaking the bank. Building a budget Research the average price of everything you need and want at your wedding. Prioritize your list to determine which elements are most important, what costs less, and which things you can do without. Vetting the venue If you're having a reception, it doesn’t have to be extravagant. Consider an inexpensive location, such as a church hall, the local rec…

Having a lot of money can be a burden. People constantly ask you for it, taxes are more complicated and you need a plan for your wealth when you're gone. If you're looking for ways to avoid becoming rich, here is some advice on how to not become a millionaire. Don't Think Ahead If you're not yet a millionaire, don't make any dramatic changes -- just keep on with what you're doing. Becoming independently wealthy takes effort, so things like writing down your financial goals will only help those who are looking to make their resources grow. And don't set…

In honor of Mother's Day, we asked some local moms about what they teach their children about finances. They also explain some monetary wisdom they wish had been imparted. We hope you enjoy these financial tips from mothers. Penny Dedicate yourself to your education first and find a job in which you can share your best talents -- where you can see and feel the difference you make in others’ lives. Start your retirement planning now and build your deposits as you make more money. Choose your spouse carefully. Look for someone [who] has good saving habits. Put away money…