Business
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Dave Says: You always need an emergency fund
Dear Dave, I’ll be retiring in the next couple of years. When I leave my job, we will have a yearly income of $65,000 through my pension. I don’t think we need an emergency fund with such a dependable, steady income stream like that, but my wife disagrees. She says she would feel safer if…
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Advice: Is starting a small business right for you?
By Christy Wright My mom started her business when I was only six months old. She was a single mother with only $64 to her name, but with a determination to survive. To make ends meet, she went back to the one thing she knew she was really good at: baking and decorating cakes. We’re…
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Dave Says: Before or after?
Dear Dave, I’ve started following your plan, and I’ve got a beginner emergency fund of $1,000 saved. Now that I’m ready to start paying off debt in Baby Step 2, do you recommend paying off credit card balances before or after closing the accounts? Maeve [uam_ad id=”54865″] Dear Maeve, I’m really proud of you. Congratulations…
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Phoenixville Federal Bank reopens Royersford Branch
Phoenixville Federal Bank & Trust is always improving to offer better services and convenience for their customers, so they are happy to announce that the Royersford Branch is now officially re-opened and ready to serve the community. The Spring-Ford Chamber of Commerce assisted with the branch’s ribbon cutting held recently. Several local civic leaders, business…
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Dave Says: Budget billing for utilities?
Dear Dave, I’m just starting my debt-free journey and trying to lay out a budget. What are your thoughts on budget billing for utilities? Ryan Dear Ryan, I think it’s wonderful! There’s absolutely nothing wrong with it at all. For a lot of folks, especially those in your situation, it helps smooth out utility payments…
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Montco leads state in number of millionaires
How many millionaires are there in your county? Montco leads the state and has three times as many millionaires as Philadelphia, writes Jan Murphy for pennlive.com. [uam_ad id=”54865″] And no, we do not have a list of names of the millionaires themselves. The number of Pennsylvanians earning at least $1 million has grown by 7,765,…
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Univest participates in ‘Teach Children to Save Day’
As part of its ongoing financial literacy efforts, Univest Bank and Trust Co. participated in the American Bankers Association’s Teach Children To Save Day. This national campaign, which occurs every April during financial literacy month, aims to prepare young people for financial success later in life by helping them develop smarter saving and spending habits…
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Dave Says: Be intentional with your time
Dear Dave, As a business owner, how do you find a life balance between work and home? I have my own small business, and sometimes I feel like I’m putting in too much time at the shop and not spending enough time with my husband and kids. Molly [uam_ad id=”54865″] Dear Molly, The idea of…
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Dave Says: How to handle travel expenses
Dear Dave, I’m an admissions counselor for a university, and I make $37,000 a year. I spend a lot of time on the road, and I’m trying to get out of debt, but I have one credit card I’m still using for travel expenses. The university refunds me for these expenses, which always run $300…
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The best and worst things to do for Spring Break
By Rachel Cruze We’ve all been waiting for a break from this cold, dreary winter. Well, for students (and their families) across the country, it’s finally here: spring break! But as much as you’ve been pining for sunshine and a beach, spring break isn’t an excuse to bust the budget, or worse—go into debt. Your…
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Keynote speakers confirmed for Pottstown Investors Conference
Planners for the Third Annual Pottstown Investors Conference on Friday, April 12 (see details below) have confirmed and funded the participation of two notable keynote speakers who were highly recommended by Don Chen, president of the nationally esteemed Surdna Foundation. Based in New York City, Surdna is an organization which, according to its mission, “seeks…
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Shopping under the influence is real, and lucrative
An alarming trend is emerging, a growing number of online shoppers are “shopping under the influence.” An incalculable number of surveys have been conducted about online shopping, however very few have focused on the amount of money people spend while under the influence of alcohol. Now that people can shop on the couch with a…
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Dave Says: Preparing for the real world
Dear Dave, I’m getting married this summer and about to become a stepfather, but my fiancé’s daughter from a previous marriage seems very irresponsible. She’s 20 and lives at home, has trouble holding a job, and she doesn’t really want to work. When she doesn’t have money to make her car payment, she seems to…
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Covenant Bank’s strong Main Line customer base prompts Paoli branch
Doylestown-based Covenant Bank has entered the competitive Main Line market with a new Paoli branch that complements its loan production office there, writes Jeff Blumenthal for the Philadelphia Business Journal. The new branch at 1500 East Lancaster Avenue is on the ground floor of the building that houses the bank’s loan office. The branch will…
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Dave Says: Time to fix the real problem
Dear Dave, I’ve heard you tell people to avoid debt consolidation companies. Why do you think debt consolidation is such a bad thing? Tom Dear Tom, The main reason is that debt consolidation makes you feel like you did something to really change your financial world when you didn’t. That’s part of the catch. Believe it or…
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Malvern Bank to host grand re-opening of newly renovated Coventry Financial Center
Hop on over to Malvern Bank’s Community Day event! After remodeling and renovations, Malvern Bank, National Association will host a Grand Re-Opening community event located at its Coventry Financial Center & Private Client Office. The bank is looking forward to bringing the community together as a whole on April 6 from 9 AM-12 PM at…
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Wright: How to find your passion and build a business you love
By Christy Wright Has anyone ever told you, do what you love, and you’ll never work another day in your life? But here’s the thing, you can’t do what you love unless you know what you’re passionate about. I have the best job in the world. As a certified business coach and creator of Business Boutique, I get to help…
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Dave Says: Finances before and after the wedding
Dear Dave, I’m getting married this summer, and I’m on Baby Step 4 of your plan. My fiancé is getting onboard with your advice, too, and she’s currently in the process of paying down her student loan debt. Would it be a good idea to go ahead, and put most of my emergency fund savings…
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