All posts by Achieva Credit Union

Which Credit Card Mistakes Are You Guilty Of?

Which Credit Card Mistakes Are You Guilty Of?

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Credit cards are a staple of finance. They allow you to borrow money to make purchases. Most have revolving balance systems, and you pay month to month until your debt is gone. While the arrangement is simple, many people are guilty of making the same credit card mistakes. What are the most common credit card mistakes? Let's talk about debt. Of all the credit card mistakes a person could commit, having too much debt is the worst. However, there's a caveat. Not all debts are bad. There are ways to use credit cards wisely. For instance, let's say you need new...
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The Most Effective Way to Choose a Tax Preparer

The Most Effective Way to Choose a Tax Preparer

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The law requires employers to mail out W-2 forms no later than January 31. Being said, pretty soon, everyone will need to choose a tax preparer and file their taxes. Do you know what criteria your tax professional should have? Are there certain red flags? Find out before making your selection. Choosing a Tax Professional While the expertise of tax professionals varies, they all must have an IRS issued preparer tax identification number (PTIN). If they want to prepare your return for compensation, make sure your preparer enters their PTIN on the return filed with the IRS. They may omit the...
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Dining Out Expenses Are Eating Through Your Wallet

Dining Out Expenses Are Eating Through Your Wallet

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Nothing tastes better than food prepared by someone else. With consumer demand at a historical high, restaurants serve millions of hungry patrons. It's an experience that leaves our stomachs full, but wallets empty. Truly, dining out expenses add up. Americans spend a lot of money dining out According to a 2017 survey, the Bureau of Labor Statistics reports that American households spend about $3,300 on dining out expenses. That's $600 higher than in 2014. The service industry continues to rise, and so does its gratuity expectations. Tipping culture remains a thing. It's all hard-earned cash, without a doubt. However, if we...
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Martin Luther King's Vision of Income and Job Creation

Martin Luther King’s Vision of Income and Job Creation

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Martin Luther King Jr. believed in equal rights. As an activist, he used his doctorate in theology to express his values. Additionally, he encouraged others to speak up for equality. You cannot study the life of King without being familiar with his inspirational "I Have a Dream" speech. Moreover, Martin Luther King's vision for society remains a part of modern history. He will forever be one of the most impactful figures on American culture. Why do we celebrate Martin Luther King Day? In the 1960s and 70s, Martin Luther King's vision was controversial. He is most known for his campaigns to...
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The January Effect Could Cost You Big Money

The January Effect Could Cost You Big Money

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If you're the type to try new things at the beginning of the year, be aware when investing. The January Effect could cost you big money. Around this time each year, shady investment firms show how they've managed their client's portfolios to increase their earning's growth. Not only is this inaccurate, but it could cost big money. Before investing, do some research. The more you know, the better your chances are in making long-term profits. What is the January Effect? The January Effect is the seasonal trend for stocks to increase in January. Since the early 20th century, the stock...
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Flu Season Severity and Its Price

The Ridiculously High Fiscal Impact of the Flu

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The flu takes a toll on your body. It makes your head hurt, and your muscles ache. On top of that, when you're sick, it's hard to get out of bed. While flu season severity and length fluctuate, there is one thing that's for sure. The flu has a high fiscal impact on the economy. Currently, the flu season severity is at an all-time high. Additionally, seasonal influenza activity in the United States continues to increase. This article will cover what you should know, and how you can be proactive. 1. Influenza is unpredictable, yet manageable. On average, the daily cost...
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Financial Freedom Quotes Your Wallet Will Love

Financial Freedom Quotes Your Wallet Will Love

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They say every action starts with a thought. Why not let these financial freedom quotes motivate you? Below are the top 5 phrases to use for successful money management. 1. Use passion “Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” -Pablo Picasso First and foremost, going into any goal takes passion. If you put your complete effort into your achievements, you're bound to have great results. When thinking about your next financial move, create a plan...
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2020 is the Year You Should Pay Yourself First

2020 is the Year You Should Pay Yourself First

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The new year marks the perfect time to set future goals and make improvements. What did you do last year that you desire to change? Many people declare restrictions as part of their resolution. However, what if your goal provided a reward instead? For 2020, we suggest you pay yourself first, every single month. Pay yourself first to get ahead Primarily, you'll want to adopt the "pay yourself first" method as a way to pad your savings and investment accounts. You chose a percentage (1 through 5), and that amount of your income will go into your savings account before...
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If They Paid You to Move There, Would You?

Relocate to a City That Will Pay You to Move There

By | Articles, Home Buying | No Comments
This year, there has been a lot of interest regarding where people live. Subsequently, one city cares so much they will pay up to $15,000 for you to become a resident. The Chose Topeka initiative will pay qualified applicants after purchasing a home within the area. However, this is not the only lucrative relocating scenario. Curious? Read the rest of the details below. Cities that will pay you to move there The trend is booming. Several cities have already announced that they will pay you to move there. Furthermore, some offer to cover other transitioning expenses as well. The way...
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Achieva Life blogs and articles are intended to provide general information, thoughts, and articles in regards to the topics covered therein. Achieva Life is provided with the intent and understanding that Achieva Credit Union is not engaged in the act of rendering financial, consulting, medical, technological, legal, accounting or any other professional advice. The information provided within Achieva Life is not intended nor should be used as a substitute for medical, legal, or other professional advice or other expert opinions. Achieva Credit Union is not responsible for the accuracy of the information on Achieva Life and makes no representation regarding the accuracy of the content. Achieva Credit Union reserves the right to delete or block any comments. The content and comments on Achieva Life do not necessarily reflect the views of Achieva Credit Union.