My Experience is Your Gain

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Is a Credit Union a Small Bank?

During my many years in banking I worked for several banks. Some were big, national banks and some were small, community banks. Some were service oriented and others were sales oriented. Some said they were service oriented but were actually sales oriented. Why would they say that, you may ask? Because a service focus is […]

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Credit Score Priorities: Keep the Main Things the Main Things

Credit scores matter. There is no doubt about that. Especially if you are trying to get a credit card, purchase an automobile, or get a mortgage. However, many people do not know their credit score, what their score is made up of, and what can increase and/or decrease your credit score. Knowledge of this information […]

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Spoil Your Grandchildren With Money

It has been said that the best thing about grandchildren is that you get to spoil them and then send them back home to their parents. Grandparents love to spoil their grandchildren. They especially love to shower them with gifts, including toys and clothes. As I look on social media and see many excited new […]

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Love and Money Do Not Mix Well

In my humble opinion, “Until Death Do You Part” is associated with marriage and not other romantic relationships. What am I talking about you may ask? Sometimes boyfriends and girlfriends think they will be together forever, so they give each other privileges that I think should be reserved for marriage when there is a more […]

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Protect Your PIN Like Your SSN

It has always been important to protect your Social Security Number (SSN). It has become even more important with the increase in identity theft. You should keep your Social Security Card in a safe place, away from unsuspecting eyes, unless you need to have it for a specific purpose such as employment, account opening, or […]

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Looking For Love Can Cost Alot!

Graying hair, increased wrinkles, and slower steps are signs of aging and cause many to give more respect. Unfortunately, for others they are signs of vulnerability and opportunity. According to research millions of seniors are targeted for financial scams every year. That is so sad. There are several scams they fall prey to including funerals, […]

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Scam Alert! Shopper Beware!

Scams seem like they are becoming more prevalent. Or just when one seems to die down, another one pops up in its place. Scam artists prey on unsuspecting people, so if something seems too good to be true then make sure you ask questions and investigate. Otherwise, you may become the latest victim to a […]

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Rule of 72 a/k/a Banker’s Rule – How Come Nobody Ever Told Me About This?

The Rule of 72 is a concept that has been hidden in plain sight for years. Few people still know about it but bankers have known about it for years! How come banks do not tell you about the rule of 72? All bankers do not know about this rule. In all fairness, I did […]

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Check Registers vs. Online Banking Balance – How Much Money Do You Really Have?

Years ago I learned to do something that I would not appreciate until later. I learned how to use and to complete a check register. Unfortunately, learning how to use it did not help me to learn how to manage my money. It just let me know when I did not have any more money […]

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Life Insurance Beneficiary or Lottery Winner?

One of the saddest things for me to witness is someone who has passed away without life insurance but has a family who could have benefited from life insurance proceeds after the death. While the family is grieving, they have to find enough money to bury their loved one. Sometimes they have to move out […]

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