Articles

How to Get Rid of High-Interest Debt

How to Get Rid of High-Interest Debt

By | Articles, Finance | No Comments
In regards to owing money, high-interest debt remains the most cumbersome. It seems to grow, even after paying the monthly due amount for what feels like an eternity. Stopping the vicious cycle takes strategy, and we're here to show you how. Continue reading for the full details. Should I pay off the highest balance or highest interest first? If saving money is the goal, you'll typically want to pay off high-interest debt first. The reason is with the way interest accrues. For instance, for an original balance of $1000, at a 9.9% APR, the total interest on consistent $50 payments...
Read More
These Valentine's Day Scams Will Leave You Broke

These Valentine’s Day Scams Will Leave You Broke

By | Articles, Finance, Technology | No Comments
The holiday is known for love, yet some use it as an opportunity for deceit. Valentine's Day scams come in many forms. Are you aware of them?  Types of Valentine's Day Scams  You may, or may not, be surprised to know that it's more than just romantic hopefuls falling for hoaxes. Valentine's Day scams bombard users through email, search, and social media campaigns. All serve as an opportunity to exploit your banking accounts, as well as your personal identifying information (PII). The content within these scams, such as images of cute hearts and candy, is very sharable. They spread like wildfire, making...
Read More
This Self-Made Multimillionaire is Only Nine Years Old

This Self-Made Multimillionaire is Only Nine-Years-Old

By | Articles, Finance | No Comments
The YouTube channel, managed by the mother of Ryan Kaji, started with humble beginnings. In 2015, the only directives the then three-year-old Ryan received were to open the boxes and play. His mother filmed the sessions and loaded them to YouTube. Unique to the platform, Ryan's channel was one of the first to unbox and review toys. The innovation gave Ryan an advantage. So much so that now in 2021, the self-made multimillionaire has a net worth of $32 million.  Ryan possesses a star quality within his persona. Peers of his age could watch his videos for hours. They grew...
Read More
Estate Planning Guidelines to Protect Family Assets

Estate Planning Guidelines to Protect Family Assets

By | Articles, Finance | No Comments
Estate planning can be seemingly uncomfortable. Yet, for the sake of preparedness, it's necessary. The last thing anybody needs is a quarrel about assets. Furthermore, when a family member passes, how responsible are you for their debts? Using the estate planning guidelines below, we hope to ease the burden. Here are the main points of this article: - A lawyer can help you assign your estate. - A will provides for the distribution of property. - Estates are responsible for paying off debts. - You should review your estate designation regularly.  What is estate planning? Estate planning coordinates the transfer...
Read More
How to Handle a Missing Stimulus Check

How to Handle a Missing Stimulus Check

By | Articles, COVID19, Finance | No Comments
The Treasury disbursed the second round of Economic Impact Payments back in December 2020. They issued direct deposits first, and other forms following shortly after. With several weeks passing since the beginning of disbursement, what do you do if you still have a missing stimulus check? Who is eligible for the second round of EIPs? Before we discuss how to handle a missing stimulus check, let's review the requirements. U.S. citizens and U.S. resident aliens generally qualify for payment as long as: - they have a valid social security number - are not claimed as a dependent of another taxpayer...
Read More

Common Money Mistakes and Ways to Fix Them

By | Articles, Finance | No Comments
Article highlights: - Using credit wisely prevents a majority of common money mistakes. - Financial stewardship is easier when you have a plan. - In regards to investing, a little can go a long way. Money management is about numbers. Not only should you spend responsibly, but you should also avoid these common money mistakes. Continue reading our foolproof guide below.  #1. Being scared of credit Credit, in itself, is not a bad thing. While several financial gurus advocate a cash-only system, many find starting that type of lifestyle unrealistic. Instead, consider living in moderation and using credit as a...
Read More
The Best Resume Writing Tips for Remote Jobseekers

The Best Resume Writing Tips for Remote Jobseekers

By | Articles, Work and Productivity | No Comments
The job market is in transition. Employers need remote workers. Now is the perfect time to stand out from the crowd and get hired. Review our resume writing tips below to land your dream job as a digital nomad.  How to write a winning resume There are a few things to know about resumes in general. First, let's discuss the basics, such as formatting, word quality, and space fillers. Then, we'll provide resume writing tips specifically for remote applicants.  Formatting Your resume is ultimately an advertisement. You want to showcase your strengths so employers will hire you. With that said,...
Read More
Vision Casting for a Strong First Quarter

Vision Casting for a Strong First Quarter

By | Articles, Business | No Comments
Regardless of your job title, vision casting will provide an outlet for growth. The process requires employees to assess their ambitions and see how they fit within the big picture.  While most will say that vision casting is a vital tool, many admit to not using it enough. Sometimes going through day-to-day tasks exerts all of the energy, or more often, team members do not want to overstep. In this article, we'll evaluate the steps necessary to implement an idea; and ways to make it work harmoniously within a company. Discover the full details below. What is vision casting in...
Read More
Password Security Tips to Protect Your Accounts

Password Security Tips to Protect Your Accounts

By | Articles, Technology | No Comments
There are approximately 4.66 billion internet users, with mobile devices accounting as the prime way to log in. As we speak, information exchanges at a rate faster than a millisecond. We can access our data from almost anywhere, but unfortunately, the technology comes with risks. Just as we're able to check our accounts, so are hackers. Some have even been able to do it undetected. Want to know how you can protect your data? Read our password security tips below to find out. How to create a strong password Creating a strong password makes it harder for data thieves (or...
Read More
How to Categorize Personal Expenses for a Better Budget

How to Categorize Personal Expenses for Better Budgeting

By | Articles, Finance | No Comments
Budgeting is a plan for your money’s future. While there are several choices available to manage household finances, the way you categorize personal expenses makes a difference. In essence, a simple system is more reliable. The better you can track your spending, the better you can control it. In this article, we’ll describe how to categorize personal expenses, regardless of your initial budget. Moreover, we’ll list three budgeting options so you can pick the one that’s right for you. Are you ready to talk about income and expenditures? Continue reading for full details. Three types of household budgets Each of...
Read More

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.