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3 Hidden Dangers of Credit Cards

Building your credit is important but using a credit card can almost be compared to playing with fire. Sure, fire can come in handy, but burn too much and that bonfire can get out of control. Did you know that the average US household credit card debt is at $15,863 (counting only the households that have credit card debt)? If …

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5 Financial Lessons You Should Learn Before You Leave Your Parents’ House

5 Financial Lessons You Should Learn Before You Leave Your Parents’ House For most of the high schools, the class of 2015 has just graduated. The hallways of these learning institutions are now quiet and will soon be ready to take on the next graduating class. But was that graduating class ready to take on the responsibilities of adulthood? They …

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5 Ways to Be Debt-Free

How much debt do you have? Debt and debt management can seem like an immense task to conquer but it is an important one to consider when you are thinking about your future. How will your debt affect your retirement? Is it putting a damper in your current living situation or your current lifestyle? Below are five ways to help …

Pay Yourself First

3 Ways to Pay Yourself First

1.) Automatic Withdrawal Direct Deposit part of Your Income Into an Alternative Account Created Specifically For Your Goals. Out of Sight, Out of Mind. 2.) Retirement Accounts Talk to Your Employer About Their 401k Match Limit. Contribute The Maximum Allowed into Your 401k or a Roth IRA Account. 3.) Bonuses & Raises Maximize Your Bonus! Open an Investment Account. Mutual Funds or Certificates of Deposit Are a Good …

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The Ultimate Guidebook to COLLEGE!

WELCOME TO COLLEGE: You’re on your way now! A new life full of adventure awaits in the land of fun and opportunity (COLLEGE)! From here on it’s all up to you and the decisions you make will have real world consequences. So now that you’re all packed and on your way to the dorms have you taken a moment to …

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Independence Day (Transforming Women/Transforming Lives)

Tim Rocho, CEO of Set for Life Financial will attend The 2nd Annual Independence Day for Women in Transition. Hosted by: Soroptimist International of Happy Valley  & Women’s Leadership Group (GCC) When: Saturday, April 20, 2013 8:00 a.m. – 3:00 p.m. Where: Glendale Community College – Student Union 6000 W. Olive Avenue, Glendale, Arizona 85302 Cost: FREE! Register: www.sihappyvalley.org Speaker Topics Include: Accepting Change as an Opportunity, Career and Personal Development, Personal …

financial literacy is never too late to learn

Financial Literacy and Education are Never too Late to Learn

The AARP and Charles Schwab Foundation have begun working on basic financial literacy and education courses for people 50+. The program involves three separate group classes that are 90 minutes each. The classes include the topics of budgeting, debt control, and saving. The classes are followed up by one-on-one sessions to further educate the individuals taking the course. The sessions …

Financial Education

Financial Literacy and Where to Begin

Wikipedia.org defines financial literacy as, “The ability to understand finance. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions through their understanding of finances.” Based on that definition alone, it is clear that financial literacy and its understanding is a valuable skill to have. So when does this …