Spin on Spending

Credit Card Consolidation

Credit Card Consolidation

Credit Card Consolidation refers to combining your various credit card debt into one monthly payment. Consolidation can simplify your multiple credit card account payments but does not erase your debt. Many credit card companies offer balance transfers with their...

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How To Send A Secure Message

How To Send A Secure Message

There are moments when you need to speak with your bank about customer service-related questions containing information specific to your accounts or transactions. This type of message should not be sent to the bank using regular email. Instead for security purposes...

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Cost Effective Home Makeover Tips

Cost Effective Home Makeover Tips

Make the most of your extra time indoors this season by giving your house some much needed updates, even on a small budget. These inexpensive projects are a simple way to stay busy during the cold winter months while making your home beautiful in the process! Paint...

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Be Cyber Smart in the New Year

Be Cyber Smart in the New Year

Start the new year with a cyber security checkup! Taking preventative measures to protect your personal information now could save you valuable time and resources in the future. Keep your bank account safe by being cyber smart. Listed below are simple ways you can...

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Family Business Lifecycles

Family Business Lifecycles

Being in jeopardy is not an unfamiliar state for a business, as they are constantly evolving to survive, retain key talent, and adjust to new circumstances and demands from their customers and partners. The fact that there are always unknowable risks for the owners of...

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Year-End Financial Tips for 2020

Year-End Financial Tips for 2020

The last month of the calendar year can be a helpful time to review your personal finances for a couple key reasons: 1) There may be steps you can still take to reduce your taxable income for the year and get a better tax result, and 2) By reviewing your income,...

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Creating the New You in a Better Year

Creating the New You in a Better Year

New Year’s resolutions often don’t stay in our minds long, and then reappear as the year ends to be supplanted by new ones. Do New Year’s resolutions work for you? If not, then you are in the majority. Goals are usually fulfilled or dropped as new problems arise that...

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Better gift: Stocks or Cash?

Better gift: Stocks or Cash?

Investors planning substantial gifts to children or grandchildren may be considering whether or not to give stocks or sell the stocks and give the cash to alleviate the management concerns for the recipients. This article explores some of the unique benefits that may come with gifting the stocks directly, and introduces the strategy of using the annual gift tax exclusion as an estate planning method.

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