Over the past few months I have unfortunately experienced a higher than typical level of people in my life passing away. A number of the passing individuals were clients, and so I was also involved with counseling the family regarding funding for the...
Markets and Investing
TCU Announces Relief Measures for Federal Government Employees Impacted by Shutdown
Teachers Credit Union (TCU) has announced a package of relief measures available to members impacted by the federal government shutdown. The measures are intended to help provide financial security to impacted members and include: 90-Day Member...
Flanagin’s Bulk Mail Service Exceeds $1,000,000 Savings Goal
Postage is just one way Flanagin’s Bulk Mail Service saves its customers money, but it is a measurable one! In 2018, Flanagin’s was able to meet their goal and save their customers more than a million dollars in postage. “If you think about it,...
Marc Ruiz of Oak Partners, Mind on Money: Interest Rate Hikes Make Stock Market Rally Unlikely
Well, that didn’t go very well. On Wednesday, the Federal Reserve conducted its last policy meeting of the year, at which the Central bank decided/announced it would raise short term interest rates again to a target rate of 2.25 percent to 2.5...
Marc Ruiz of Oak Partners, Mind on Money: Variable Universal Life Insurance
Variable universal life insurance is permanent life insurance—it remains in force for the policyholder's whole life. And, as with universal life insurance, it provides a flexible premium and an adjustable benefit—meaning the policyholder decides...
Marc Ruiz of Oak Partners, Mind on Money: Estimating the Cost of College
Public Costs. Average in–state tuition and fees for public four-year institutions was $9,970 for the 2017-2018 school year. Out-of-state tuition for these same institutions averaged $25,620. Source: College Board, 2017 It doesn’t take a degree in...
Marc Ruiz of Oak Partners, Mind on Money: How to Appeal Your Property Taxes
Between 30 percent and 60 percent of taxable property has an inflated assessment, which may lead to higher property tax bills. Moreover, typically fewer than 5 percent of taxpayers dispute their assessment.¹ For homeowners who think their local...
Marc Ruiz of Oak Partners, Mind on Money: Life and Death of a Twenty Dollar Bill
Daily Production In 2017, the government will print roughly 19 million notes a day, totaling about $209 billion in value for the year. More than 90% of the newly minted notes will replace notes already in our circulation. Source: Federal Reserve,...
Black Friday Auto Loan Special through Nov. 27th at REGIONAL Federal Credit Union
This year, give yourself the gift of a great Auto Loan rate - as low as 2.74% APR* for any term up to 72 months, new, used or refinance. It’s a Black Friday deal that keeps on saving you money every month, but don't wait too long - this special...
Horizon Banks Healthcare Savings Accounts FAQs
If you have a health insurance plan with a high deductible, you may want to set up a Healthcare Savings Account (HSA) to complement it. Not sure if it’s a fit for you? Here’s an overview to help you decide. 1.) What is an HSA? It’s a bank...
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