Resources

Debt Reduction Calculator – Compare Debt Payoff Strategies

Take control of your debt payoff plan with this interactive calculator. Enter your debts, minimum payments, and monthly budget to see how different strategies—Minimum Payment, Snowball, and Avalanche—affect your time to freedom from debt. Instantly view payoff timelines, total interest costs, and progress charts to identify the most efficient path to becoming debt-free faster. Debt Reduction Calculator Debt Reduction Calculator Enter your debts, choose a strategy, and compare payoff time and interest. Debts ＋ Add 🗑️ Clear Debt Name Balance ($) APR (%) Minimum Payment ($/mo) Action Tip: Balances and payments are monthly; APR is annual percentage rate. Controls Total…
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Conversation Guide: Discussing Aging with Parents

Talking to your parents about aging and end-of-life wishes can feel uncomfortable, but it is one of the most important ways to love and honor your parents. These conversations reduce uncertainty, prevent conflict, and ensure their values and wishes are respected.This guide will help you navigate the conversation  The Setting Because the subject is sensitive, choose a relaxed, non-stressful time. Consider the time of day as well. If they are a morning person or afternoon person, choose the best time when they are most comfortable and mentally engaged. Expect that it may take more than one conversation.  The Conversation Ask Permission…
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Lock Down Your Credit: How Freezing It Can Protect You from Fraud

In an increasingly digital world, protecting your financial information is more critical than ever. One of the most effective tools available to consumers to safeguard their identity and financial accounts is a credit freeze. This article will explore what a credit freeze is, how it works, and why you might want to use one to protect your credit profile from unauthorized access. What is a Credit Freeze? A credit freeze, sometimes called a security freeze, is a service provided by credit reporting agencies that restricts access to your credit report. By implementing a credit freeze, you effectively prevent new creditors…
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Protecting Yourself from Common Scams: Tips and Strategies

In an increasingly digital world, scams have become more sophisticated and prevalent. Understanding these schemes and learning how to protect yourself is crucial. This article outlines some of the most common scams that are used to de-fraud honest people of their hard-earned money. Here, we provide detailed descriptions of each scam and practical tips on how to safeguard yourself.General Tips to Protect Yourself from ScamsEducate Yourself: Stay informed about the latest scams and how they operate.Be Skeptical: If you receive unsolicited calls, emails, or messages, be very skeptical.Secure Personal Information: Protect your personal information online and offline.Use Strong Passwords: Create…
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How to Protect Yourself from Cyber Crimes

Identity Theft is a Problem 40% of consumers have been a victim of online identity theft. Source: 2019 Experian $4,930 , is the average financial loss per identity theft incident. Source: U.S. Department of Justice, Javelin Strategy & Research 200 , , hours, on average, spent over 6 months to recover your identity. Source: SANS Institute What can you do to prevent this? “If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If…
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