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Category: Financial Literacy

To be financially literate is to know how to manage your money. Financial literacy is confidently understanding concepts and vocabulary around investing, savings, debt, budgeting, banking, and more. These concepts are defined as paying off debt, creating a budget, saving for retirement, and understanding the difference between various financial instruments and terms.

Perhaps you have questions about what you need to do to improve your personal finance situation. Or you may just be looking for definitions of terminology. In any case, this resource center will help you become more financially prepared for your future.

What Is APR and How Does an Annual Percentage Rate Work?

Several $100 bills laying on top of a calculator next to a pair of glasses

Simply put, APR is what a lender charges you to borrow money. It’s the price you pay to take out a loan. Though this may sound similar to an interest rate, APR differs in a few key ways. When comparing credit cards or shopping for a loan, you should factor both the interest rate and […]

What Is a Co-Op and How Does a Cooperative Business Work?

A display of a variety of colorful produce in a co-op grocery store.

You’ve likely heard of and might have even shopped at a co-op. You may live in an apartment or group of houses that is described as “cooperative housing.” But one thing might be unclear to the casual observer: What sets these businesses apart? What is a cooperative business? A co-op, or cooperative business, is an […]

IRS Penalties for Late Payment and Filing Taxes Late

Two fifty dollar bills beneath a 1040 IRS income tax return form

Each year, the U.S. government expects you to pay a number of taxes. One of those is known as the Federal Income Tax, a tax levied by the U.S. Internal Revenue Service (IRS) and is based on the annual earnings of individuals, corporations, trusts, and other legal entities. Federal income taxes are built on a […]

How to Divorce Your Husband and Get Everything

Woman winning against husband in divorce

Divorce can be one of the most stressful situations a person will ever potentially go through. Depending on the events leading up to divorce, you may be feeling extremely sad, or angry, or both. However, no matter what happened leading up to this decision, emotions should be left out of the legal proceedings. Divorces can […]

What Is a Criminal Record?

Man with a criminal record trying to get a job

Applying for a job can be daunting enough, but when you have a criminal record, it can be terrifying. Most companies include an applicant background check prior to offering positions to interested individuals. Additionally, some companies ask on their applications if you have a criminal record history or any current convictions. For many people, this […]

Long-Term vs Short Term Disability Insurance: Definitions, Pros & Cons

Disabled man applies for disability insurance benefits

If you suffer from a temporary or permanent disability that leaves you unable to work, you can quickly find yourself facing a financial emergency. Without a fixed income, common financial duties like handling your mortgage or paying student loans can quickly stack up and lead into total financial ruin. What Is Disability Insurance? Disability insurance […]