
Good Debt/Bad Debt
Not all debt is necessarily bad, particularly when it can help you build wealth. It?s important to know the difference between good debt and bad debt and how to sort the good from the bad. If you buy something that immediately goes down in value, that?s bad debt. Let?s say you buy disposable items or durable goods with a high-interest credit card, and you don?t pay the balance in full when the bill arrives.

Back-to-School Shopping: A Teachable Moment
Back-to-school shopping is an annual event perfect for talking to your kids about budgeting and saving money, and the difference between needs and wants.Kids need to be taught about why budgets matter or why spending more than you have budgeted should be avoided.

Laid Off and Looking for Work After 50
Many older workers are struggling to land on their feet after a layoff and having to settle for entry-level jobs. Some are starting their own business. If you're older than age 50 and looking for work for the first time in several years, know where to go for help because the job search process has changed (CNNMoney.com). Compounding the problem is a growing pool of older workers.

Courtesy Pay Plus Covers You
We offer the courtesy pay plus program if you inadvertently overdraw your checking account. Funds for overdrafts first will come from your overdraft protection account, but if sufficient funds aren't available, we may elect to cover your overdrafts up to a certain amount. Now you can enjoy a meal without interruption or buy items you might need and not worry about the payment failing.