GET OUR APP

That’s Life

Average American Saves Less Than 5%; See How You Stack Up

January, 2018

The average American saves less than 5% of his or her disposable income. Many financial advisors say that isn’t enough to ensure a comfortable retirement.

The personal saving rate, calculated by the federal Bureau of Economic Analysis, has hovered around 5% for the past few years. By the end of June, the rate had dipped to 3.8%, the bureau reported.

Long-Term Care Insurance: What You Need to Know

January, 2018

There is a saying, “Do something today that your future self will thank you for.”

Never has a statement been truer than when discussing the purchase of insurance. Yes, it can be tough to write a check for something you may never use, but insurance is a safety net, protecting you, your family, and your assets. By 2050, the number of individuals using paid long-term care services in any setting will likely double from the 13 million using services in 2000, to 27 million people.

The latest online shopping safety tips you need this holiday season

December, 2017

The latest online shopping safety tips you need this holiday seasonLast winter, Pew Research reported that eight in 10 people now shop online, up from just 22 percent in 2000. My, how times have changed!

When Is the Best Time to Buy Plane Tickets?

December, 2017

It’s a familiar — and frustrating — experience: Planning a trip and checking airfares every few days, waiting for the perfect price to appear. Finding the opportune moment to buy is no easy feat.

Plane ticket costs fluctuate constantly. In fact, during the typical 11-month period a flight is listed, the price changes every four and a half days on average, according to CheapAir.com’s annual airfare study.

Tips for tackling debt and the journey to credit bliss

November 2017

Tips for tackling debt and the journey to credit blissDebt is something no one likes to talk about. In fact, to some, it’s a dirty word. But rest assured Americans are swimming in it.

Crush Impulse Buying With These 4 Jedi Mind Tricks

November 2017

Sometimes the dark side is too strong to resist, urging you to splurge on that second, even more perfect pair of brown boots or upgrade to a more stylish pair of wireless headphones. But the fleeting satisfaction you get from succumbing to these seductive I-didn’t-know-I-needed-it-until-just-now purchases can fade to a sense of financial failure when you get your credit card statement.

Holiday spending: Spread cheer without spreading your finances too thin

October 2017

Image of a shopping back with a photo of a snowflake on it

The fall decorations—pumpkins and haystacks and scarecrows—are just making their way onto porches, but you know what that means? The December holiday season is just weeks away. Time to decorate, shop, bake, party, shop, dress up, shop. It’s easy to be swept into the very expensive winter months, but poor holiday planning can result in a very painful and expensive January.

3 Ways to Scrub a Collections Stain Off a Credit Report

October 2017

Your credit scores take a hit if you fall behind on payments to a creditor, and again if an account is sent to the creditor’s collection department or sold to a third-party collector. You may be able to repair some damage to your scores by resolving a collections account on your credit reports.

Sharing Expenses with Roommates? How to Make It Work

September 2017

Andrew Olsen currently lives with his roommates in financial harmony, but things haven’t always been so pleasant.

Olsen, a communications professional in Portland, Oregon, used to run into “bad seeds who would coast off of our goodwill.” Some former roommates failed to cover their share of house expenses, he says, forcing him to pay extra.

Best practices when it comes to kids’ allowances

September 2017

Piggy Bank

Raising kids today is expensive! Between funding the basics, childcare, saving for college, extracurricular activities, birthday party gifts and beyond, some parents might question if they need to dole out an allowance, too.

Pages

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.