Summer is just around the corner, and that means kids are out of school, and many times looking for ways to earn a few extra dollars. Even though the legal working age in the U.S. is 14, there are ways for your children to make money before they first become employed. Is babysitting the right fit? … Continue reading “Make Money Your Own Way”
Author: Lady Liberty
You don’t have to get away to the great outdoors. The best outside spaces could be in your own back—or front—yard. The outdoor evolution Today’s outdoor spaces are varied, intricate, and personalized. “It’s not unusual to see combinations of decks, patios, water features, and even fire elements,” says Rick Meinzer of Platinum Landscapes and Pools, … Continue reading “Out in the Open: Enjoying Your Landscaping”
If credit card payments are eating up your disposable income each month, if you need cash to remodel, update landscaping or to buy a new car, a home equity loan or home equity line of credit (HELOC) might be your best bet. In addition to great rates, there’s also a tax advantage. Unlike almost any other … Continue reading “Home Equity Loans: Low-Cost, Tax-Advantaged Credit”
If you’re trying to sell your house, the curb appeal can really make—or break—a sale. Tackling your entire landscape may seem daunting, but starting with these tasks can help make your yard look fresh and inviting, according to CNNMoney.com. Mulch. A fresh layer of mulch provides visual contrast and makes foliage and flowers more eye-catching. Even if … Continue reading “Boost Curb Appeal to Help Sell Your Home”
No matter where you’re selling your home, there’s always competition to attract buyers and get the best price. Staging a home helps it appeal to the broadest possible group of people, making it easier for buyers to see themselves living there. Here are a few basic staging steps to take your personal items out of the scene: Neutralize—Put … Continue reading “Stage Your Home For a Fast Sale”
Today there are 44.2 million American graduating with student debt, with an average debt of $25,550 for public school graduates and $32,300 for private school graduates. The total amount of student debt is currently at $1.31 trillion. This reliance on student loans is largely due to college costs that outpace inflation. College borrowers frequently have … Continue reading “The Benefits of Consolidating Student Loans”
By the year 2033, Social Security’s reserve trust funds could be exhausted. Though people disagree about when the money will run dry, and how to avoid it, it could happen in your lifetime. You can prepare for the possibility starting now. IRAs (individual retirement accounts) offer young workers the opportunity to potentially receive higher benefits … Continue reading “Retirement—Gen Y, This Is for You”
The first step to teaching your kids about money is talking about money. “The most effective way to teach is by having frequent discussions and don’t ever lecture,” said Ted Beck, president and chief executive of the National Endowment for Financial Education, in a recent Wall Street Journal article. “Look for teachable moments and always be … Continue reading “Teach Your Little Owls to Fly With Money Talks”
What kind of saver is your child? One who saves happily, or with a scowl? At part of this year’s Youth Savers Month, credit unions everywhere are sharing ways to get children excited for savings. Every saver is unique, but most people who save regularly developed the habit early in life. Learning to delay gratification in … Continue reading “Celebrating With Every Type of Youth Saver”
Learning to save for what you want in life is a crucial life skill, but it’s one too few young people are learning. That’s why we’re joining with other credit unions nationwide for Youth Credit Month! All April Liberty Savings will focus on helping young people develop good saving habits. The theme for this year is … Continue reading “Give a Hoot About Saving For Youth Month”