Business
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Advice: The best way to win with money
By Rachel Cruze One of the seven money habits I often talk about is simply “Make a Plan for Your Money.” It’s so basic, but so many people don’t do it on a regular basis. Another way of saying this—and hang with me here—is you need to make a budget. I know what you’re thinking.Budgeting…
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Univest reaches 3,000 students through financial literacy programs during 2018-19 school year
Univest Financial educated 3,000 students through its financial literacy initiatives during the 2018-2019 academic year. Employees visited local schools and youth organizations to teach age-appropriate lessons about saving money and making smart financial choices. Univest also partnered with EverFi, a leading education technology company that provides real-world education through innovative and scalable digital learning. Through…
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Dave Says: It’s only temporary
Dear Dave, Should I still contribute up to the match to my 401(k) at work, like you recommend, if I’m in the process of trying to get out of debt? Russ Dear Russ, Some people disagree with this stance, but my answer is no. I understand how important it is to take the match in…
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Dave Says: Helping is often harder than giving
Dear Dave, My husband and I met a young woman through an outreach program at church. She is a single mother with a small child, and recently she asked us for money, so she could buy baby food and diapers. This isn’t the first time she has asked us for money. In the past, she…
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Advice: Three applications your kids should fill out this summer
Yeah, everyone loves summer vacation. But this isn’t the time for your kids to take a vacation from funding their college educations. They deserve to chill a little after a long school year, but summer is also a great time for them to take advantage of financial aid opportunities, and get college paid for (in…
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Ambler Savings Bank celebrates opening of new drive-up window
Bally Savings Bank, a Division of Ambler Savings Bank, celebrated the culmination of extensive renovations to the branch on Saturday, June 8 with an open house and ribbon-cutting celebration. Renovations to the branch included a refreshed look to the interior of the branch itself and a new drive-up teller lane. [uam_ad id=”54865″] “We’ve done a…
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Ardent Credit Union plans to patent new ‘cube’ bank
Ardent Credit Union wants to patent a “cube” branch for office lobbies and shopping malls, and hopes to eventually market the idea to other financial services companies, writes Jeff Blumenthal for bizjournals.com. The idea of the cube was born when CEO Rob Werner and COO Wade Bennett were thinking of a different approach to banking,…
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Dave Says: A course in day trading?
Dear Dave, I was recently offered an opportunity to participate in a hands-on stock trading class. The problem is we don’t have the $6,500 registration fee just lying around. My husband and I are on Baby Step 4 of your plan, so what would you think about us borrowing that amount from our emergency fund?…
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Rooted in community: Univest is committed to providing financial solutions
As Souderton-based Univest continues to evolve, earlier this year, it changed its name to Univest Financial Corporation, which remains the parent company of Univest Bank and Trust Co. With a long history spanning 143 years, it was time for the parent company name to reflect its expanding market and emphasize its focus on delivering comprehensive…
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Advice: Five ways to save money while traveling
By Rachel Cruze I love to travel. I love trying out a new hotel, sleeping in a California king-sized bed and not having to worry about making my bed in the mornings. The one thing that’s always true about traveling is that it costs money. And I’m all about saving money. So, here are my…
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Dave Says: What to do if you can’t afford a 15-year mortgage
Dear Dave, Is there ever a time when a 30-year mortgage is better than a 15-year mortgage? [uam_ad id=”54865″] Julie Dear Julie, Let’s see, how should I put this? No! If you can’t afford a home on a 15-year mortgage, it means you can’t afford the house. Period. If you currently own a house, and…
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Dave Says: Is now the time for refinance?
Dear Dave, I recently started following your plan, and I’ve looked into refinancing the home I bought five years ago to free up more money to put toward paying off debt. My interest rate is 3.625 percent, along with a private mortgage insurance payment of $200 per month. This makes my mortgage payment $2,700 a…
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How to help your kids make extra money this summer
By Anthony ONeal If you’re the parent of a high school graduate, congrats! Getting through high school was a lot of work for them, and between the stress of having a first-time driver and the hours spent helping with test prep, I know it’s been a ton of work for you, too. There’s plenty of…
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Dave Says: Dealing with a long-distance landlord
Dear Dave, My husband and I are active duty military stationed outside Washington, D.C. We’re completely debt-free and have finished your entire Baby Steps plan, but last month our paid-for rental house in Florida burned down. It was empty at the time, so no one was hurt, and we got a check from the insurance…
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The ultimate beginners guide to LEGO collecting
By Rachel Brown Did you play with LEGOs when you were growing up? I always had a huge buckets of random bricks lying around my house and spent many rainy afternoons coming up with lopsided and structurally unsound buildings. LEGOs are one of those things that—like jigsaw puzzles and board games—I still find relaxing and…
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The 5 simple habits of the average millionaire
By Chris Hogan I’m going to come right out and say it: Anyone can become a millionaire in America today. And when I say anyone, I mean anyone — that means you, too! Did you know there are about 12 million Americans today with a net worth of at least $1 million?1 And the good news is, it…
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Phoenixville Federal Bank and Trust a catalyst behind borough’s economic rebirth
Phoenixville’s rebirth has been lauded as nothing short of remarkable. However, if the borough, appropriately named after a bird that obtains new life by rising from the ashes of its predecessor, were to fulfill its fate and have a second life after its steel mill closed and ushered in a period of economic hardship, something…
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Dave Says: Lost and overwhelmed
Dear Dave, My fiancé and I just started your class, but we’re having trouble getting our beginner emergency fund together. We both work full-time, and I make $59,000 a year while he has worked in retail for several years and makes $22,000 to $25,000. I’m trying to manage a couple of side jobs, but we…
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