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Financial Advice and More

Learn More and Live Smarter

A big part of our mission is education, and we want to help you Live Smarter with regular financial advice, tips, and more. Check back to this page often for regular updates on simple financial advice, and when you’re ready to learn more about your personal finances, get started by filling out the form at the bottom of this page. 

Did You Know?
Starting your savings earlier gives money more time to grow. ​
Once you have a plan to save regularly, time is the best way to keep your funds growing.

Did You Know?
You can benefit from organizing you’re finances.​
Just like you organize your home or workspace, it’s a good idea to organize your budget. Categorize income and spending while including setting some aside to save.

Did You Know?
A down payment can make a loan more manageable.​
Down payments help to reduce the size of your loan, lower monthly payments, and can allow for a better interest rate. 

Did You Know?
A garden helps your health and wallet.​
Why not try a garden at home? Your food will be fresh, and should cost less than what you spend at the store. Every little bit helps.

Did You Know?
It pays to diversify your savings and investments.
Plan for retirement by considering long-term investments including 401K, mutual fund, and IRA contributions. 

Did You Know?
You should regularly review your retirement plan.
Your plans, assets, and needs may change, so it’s a good idea to check your investments regularly to make sure you’re still on track.

Did You Know?
The difference between traditional and Roth IRAs is simple.
Individual retirement accounts are taxed accounts. The difference between Traditional IRAs and Roth IRAs is when you pay that tax. Traditional IRAs are tax-deferred up front, while Roth IRA contributions have already been taxed. 

Did You Know?
Smart investing is long-term.
The markets can go up and down on a daily, monthly, and yearly basis. Smart investors avoid short-term reactions and stay steady for the long-term.

Did You Know?
A matched 401K plan is a great investment choice.
Take advantage of your employers plan if they offer one. If they also match contributions, even better! 

Did You Know?
Investing according to a plan can be more manageable.
Start with a plan based on your resources and goals for investing, and you will have a better sense of how much to save and invest.

Did You Know?
There's a smart way to think about investments.
Approach your investing with the philosophy of “time in the market” versus “timing the market”. It’s more about a long term plan than a quick venture. 

Did You Know?
As you build savings, you can earn more.
You can start by moving as little as $50/month into a higher-yield account. This way your money begins to earn more. 

Did You Know?
Travel can help you teach kids financial lessons.
When you travel with the kids, give them a budget and some cash before you go to help them become more independent, manage their money, and understand limits.

Did You Know?
Saving Smaller monthly amounts earlier in life can yield more.
Compound interest makes time our greatest ally, so saving even smaller amounts from a younger age can often result in bigger savings than putting away larger amounts later in life.

Did You Know?
You can find free financial education online.
With a valid email address, anyone can sign in to the Banzai program for youth, teens, and adults through our Community Financial Education page.

Did You Know?
Kids can set savings goals. Help them stick to a plan.
Determine what they’re saving for, then figure out how much to save each week or month to reach their goal. Help them stick to their plan, and remind them that if they save more, they can meet their goal sooner.

Did You Know?
It’s good practice to pay yourself.
Treat your savings account like a monthly bill, and make a deposit each month.

Did You Know?
Getting pre-approved for a loan gives you better negotiating power. 
This lets you get your best deal. 

Did You Know?
Recurring automatic bill pay is a great tool.
Setting it up ensures you have on-time payments, saves you time, and helps you build good credit. 

Did You Know?
You should always try for college scholarships, state and federal aid first.
Then apply for a loan if you need it to cover the balance. 

Did You Know?
You can move some savings into a Money Market account.
As you build your savings, it’s a great way to earn more. 

Did You Know?
A down payment can often shorten the length of your loan.
It may even get you a better interest rate. Plan ahead for a down payment. 

Did You Know?
Mobile wallet payments add an extra layer of security at checkout? 
It provides an added layer of data encryption, and also allows you to make faster transactions.

Did You Know?
There are special first-time home-buyer mortgage programs. 
See if you qualify before starting your house hunting. 

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Want to learn more about how we could help with your financial needs and help you Live Smarter? Fill out the form below or call 315-735-8571 to make an appointment today. 

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