fbpx

Element Blog

Are Checks Obsolete?

Are Checks Obsolete? Checks hold an odd place in our personal finances. In many ways, checks seem like relics from a previous era. We maybe write one or two checks a month (usually for rent or similar bill-paying situations where electronic payment simply isn’t an option). This is vastly different from only a few decades […]

The Effect of Time on Investing

The Effect of Time on Investing Investing can seem like a very risky, complex and fast-moving process. With endless combinations of investment vehicles to choose from, it can be difficult to take your first step as an investor—especially with the knowledge that all investments carry the risk of losing some or all of your money. […]

Finding The Loan That’s Right For You

Finding The Loan That’s Right For You Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home or starting a business (to name just a few). A loan is also one of the biggest financial commitments we […]

Where You Seek Financial Advice Says a Lot About You

Where You Seek Financial Advice Says a Lot About You How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? Who do you turn to? If you’re under the age of 30, your answers […]

5 Identity Theft Jackpots

5 Identity Theft Jackpots (and How You Can Safeguard Against Them) Identity theft is nothing new, and yet it still manages to cost its victims billions of dollars (yes, that’s billions with a “b”) globally each year—not to mention the time and hassle involved in recovering a stolen identity. The good news is there are […]

Credit Score Breakdown

Credit Score Breakdown You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them? How long have they been around? And what’s the deal with checking them? A credit score is a number (usually between 350 and 800) that represents your credit-worthiness. It’s […]

Choosing your financial institution

Choosing your financial institution What was the very first financial choice you ever made? Think about it. It likely took place before your first job, even as far back as when your annual income consisted of Tooth Fairy money and lucky pennies. The very first financial decision you ever made is also one of the […]

Why Is It Called A Credit Union?

Why Is It Called A Credit Union? While bank and banking are universally understood and accepted terms, the term credit union is still largely misunderstood and unknown to many. Credit union is an unusual term, isn’t it? Is it just another name for a bank? Is it a credit card company? Do I have to […]

It Pays To Start Saving Now

It Pays To Start Saving Now In case you haven’t heard, compound interest is the best. You may remember it as an equation you had to memorize for math class, but it’s so much more than that. It’s the concept that powers all sorts of savings and investment products and, over time, allows you to […]

Budgeting Basics

Budgeting Basics Budgets are like the New Year’s resolutions of personal finance. We all know we should have one and we all know it’s a fairly simple thing to follow—at least in theory. Like resolutions, we often map out personal budgets with the best of intentions only to abandon them a couple of weeks later. […]

X