Business
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Dave Says: Should you transfer credit card balances to get lower interest rate?
Dear Dave, I’ve got about $3,000 in credit card debt. Would it be a good idea to transfer the balance from my credit card to another one that has a much lower interest rate? Tammi Dear Tammi, [uam_ad id=”54865″] Lots of people who find themselves in your shoes make the switch to low-interest rate credit…
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Saving for college, even during the school year
By Anthony Oneal So, your kids are in high school. Honestly, you’re already crushing it as a parent, especially if you still have your sanity! Before you celebrate too hard, though, there’s one more thing to think about—college. If you’re like most parents, the idea of paying for your kids’ college gives you nightmares. Let’s be real,…
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Dave Says: Why do I need a will if I’m young?
Dear Dave, Why do I need a will if I’m still young and haven’t acquired a lot of wealth? Laura Dear Laura, [uam_ad id=”54865″] In a case like yours, you don’t need a complicated will. But you do need an inexpensive, basic will. The larger and more complicated your estate is, the more you’d spend on estate…
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How to keep back-to-school time from busting your budget
By Rachel Cruze I remember as I was growing up, I always thought school was free. I mean, I understood that private school costs money, but I went to public school, and I didn’t think a whole lot about the expenses associated with it. [uam_ad id=”54865″] Now that I’m older, I realize how much parents…
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Here’s why you need a will, and how to get one
By Chris Hogan We all want to do nice things for our loved ones. We go on family trips and celebrate life’s wins together. It’s sometimes difficult for us to consider the bad things that can happen in life, but we still have to be prepared. That’s why having a will is so important! Not…
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Building a financial plan for a child with special needs
By Alex Magid, Esquire, Vice President and Trust Officer at Univest Bank and Trust Co. For parents of children with special needs, creating a sound, long-term financial plan is not only critical, but often complex. The basic idea behind planning for a child with special needs is to design a way to provide for your…
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Phoenixville Federal Bank’s lending footprint visible throughout the region
With 110 years of combined lending experience, Phoenixville Federal Bank & Trust’s commercial lending team has played a key role in the revitalization of Phoenixville, while also funding significant business expansion in surrounding areas. Since 1912, Phoenixville Federal Bank & Trust has remained an integral part of the communities it serves, and has offices in…
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Dave Says: Adjust the emergency fund?
Dear Dave, My husband and I have been married five years, and we’ve decided we want to have children. We’ve both been working full time since our wedding, and we were wondering if we should adjust our emergency fund and retirement investing to accommodate all the upcoming life changes that go along with having a…
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Overworked, overscheduled and overconnected? Here are five ways to achieve a balanced life
By Christy Wright Overworked. Overscheduled. Overconnected. That’s the world we live in today. It’s overwhelming to say the least! The U.S. Bureau of Labor Statistics found, on average, people with full-time jobs work more than the 40 hours required of them during the workweek, and even spend an additional five hours working on the weekend.…
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Career Coaching with Ken Coleman: ‘The Proximity Principle’
My best friend was telling me about his oldest daughter the other day. She began to show interest in film during high school, and now she’s in college at a critically-acclaimed film school. She chose a school, not just for the name, but one well-known for helping students get internships. After she finished her freshman…
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How to budget in the summer for Christmas
Can you believe Christmas is right around the corner? It seems like we were just celebrating the Fourth of July, and now it’s time for another Christmas season. Okay, don’t get mad and protest that I’m bringing up Christmas too early. Even though the actual holiday is still five months away, it’s not too early to budget…
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Get organized! A checklist for Human Resources
By Kris Morrell, Univest HR Consulting It’s easy for HR professionals to get caught up in managing the day-to-day action items and overlook some of the routine maintenance necessary. Over time, policies and processes get “dusty” as regulations change, staff turns over and technology is updated. Consider tackling this list once a year to get…
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Why choose a PIDA loan for your business?
By Leslie Rylke There are so many different ways to use a loan from the PA Industrial Development Authority or PIDA. PIDA is not a substitute for conventional bank lending but works in conjunction with banks or other lenders to provide as much as 50 percent of the project cost to a maximum of $2,000,000.…
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Dave Says: Managing marriage money is a ‘we’ thing
Dear Dave, I’ve never hidden debt from my husband, but I do hide money from him on occasion. I don’t hide it for my personal use, but I have been setting money aside for emergencies without his knowledge. He’s not terrible with money, and he works very hard, but he always seems to find something…
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Tompkins Vist Bank looking to increase business development
Tompkins VIST Bank announced that it has made staff changes in the TriCounty area to enhance coverage in the market and increase business development. [uam_ad id=”54865″] Lisa Lightcap, of Pottstown, has joined the bank as the vice president of Commercial Banking and Relationship Manager serving the TriCounty area. Lightcap is responsible for providing conventional and…
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PFFCU is now hiring for King of Prussia
Police and Fire Federal Credit Union (PFFCU) is a not-for-profit financial institution owned and operated by its 465K members. Profits earned are cycled back into PFFCU to provide new products and services and enhance service delivery systems. We have been expanding since 1938, starting from a 1 person operation into 14 locations with over 750…
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Dave Says: Be honest with friends
Dear Dave, I’m on Baby Step 2 of your plan, and I’ll be debt-free except for my home by the end of the year. I have a friend who is very irresponsible with his money, and he often asks to “borrow” cash between paychecks. I don’t want to be cruel, but things are getting out…
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Univest Bank offers four financial tips for your next trip
By Univest Bank Summer has officially arrived, and many are headed off to enjoy a relaxing vacation. There are lots of things that come to mind when you’re getting ready for a trip – the security of your financial information probably isn’t at the top of that list. Luckily, there are secure and convenient ways…
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