Professional Services
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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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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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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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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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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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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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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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Dave Says: Play it smart when it comes to opening a business
Dear Dave, Recently, the garage where I worked for a long time went out of business. I have a lot of my own tools, and I was thinking about taking out a loan of around $20,000 to buy a few extra tools I need to open my own garage. It’s always been a dream of…
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Richard Wesselt announces new Financial Learning Center
Richard Wesselt, founder and principal of Wesselt Capital Group, announced the opening of Family Generational Wealth Model, a new learning center offering an introduction to building a financial plan. The learning center is geared toward young adults who are college age or in the early stages of their careers. The 18-seat learning center will offer…
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Tax Advice: Should I pay a tax professional to file my income taxes?
By Chris Hogan Let’s be real. No one likes doing their taxes. There are so many rules that you may or may not be following correctly, even with the help of online software. If your financial situation is straightforward, filing your own taxes could be your best bet. But the truth is, most of us could…
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Dave Says: HSA, health insurance and savings
Dear Dave, I just realized our insurance has a health savings account (HSA) option. We’ve considered dropping this insurance soon and going to a cheaper Christian medical sharing program. We’ve got about $19,000 in debt between credit cards and a car payment, and we’re on Baby Step 2 of your plan. Our thought was to…
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