Have you explored the Beacon Learning Center yet? The topics, courses, and calculators are endless. You can peruse the site at your leisure or sign up for a customized experience with quizzes, challenges, and even the chance to win money.
1. 6 Actions to Take If You are Living Paycheck to Paycheck
It is estimated that four out of five Americans are currently living "paycheck to paycheck." If you find yourself in this scenario, you probably feel stressed and overwhelmed. It is time to take control of your financial situation.
6 ACTIONS TO TAKE IF YOU ARE LIVING PAYCHECK TO PAYCHECK
2. Are You an Emotional Spender?
After a bad day, it can feel good to go out and treat yourself. Though this can be beneficial when done in moderation, there are times when many of us end up relying on these purchases to brighten our moods. To help you better understand what this type of behavior is, we've answered some of the most important questions one might have about emotional spending.
3. Is Social Media Influencing Your Spending Habits?
You might have heard that spending too much time on social media can affect your mental health, but have you considered how it affects your financial health?
IS SOCIAL MEDIA INFLUENCING YOUR SPENDING HABITS?
4. Are You a Financial Enabler?
If you're trying to figure out whether you've crossed the line from helping out a loved one to enabling, we've come up with some broad outlines to help you better assess your personal situation.
5. How to Resist Financial Peer Pressure
When your friends are pressuring you to spend more than you think you ought to, it can be extremely difficult to say no. We'll look at a few strategies to help you artfully say "no, thanks."
HOW TO RESIST FINANCIAL PEER PRESSURE
Are you in the process of becoming a financial caregiver for someone—maybe an aging parent? There are a few types of financial caregivers, and each one has different roles, responsibilities, and legalities.
POWER OF ATTORNEY – An individual in need of financial assistance (known as the principal) can give another person (known as the agent) a “power of attorney” that allows them to make decisions on the principal’s behalf. The agent typically manages and has access to the principal’s bank and other financial accounts. If the power of attorney is durable, the agent maintains the powers bestowed upon them if the principal later becomes incapacitated.
TRUSTEE – A trustee is a person named in a trust to manage the trust property on behalf of the beneficiaries. Trust property may include different types of property, such as real estate, financial accounts, or personal belongings. Insurance and retirement accounts can also name a trust as a beneficiary. The trustee is responsible for protecting, managing, and distributing trust assets in accordance with the trust document.
FIDUCIARY – A fiduciary is someone who is responsible for managing someone else’s money or property and owes a higher standard of care to the person acting in this capacity. Conservator – A conservator is a person appointed by a court to manage another’s financial affairs.
REPRESENTATIVE PAYEE – A representative payee is a special type of financial caregiver who is appointed to manage government benefits on behalf of someone else, such as Social Security or VA benefits.
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*Rebate, if applicable, is given back at the time of financing and is equal to 1% of the loan amount up to the nearest $5. Maximum rebate is $500 per loan. Rebate offers limited to vehicle loans equal to or greater than $20,000. If the vehicle loan is paid off within 24 months, the rebate must be repaid. Current Beacon Credit Union loans are not eligible for rebate offer. Offers cannot be combined or used with other Beacon specials. All credit union programs may change or end at any time.
Do you avoid leaving the house on Friday the 13th? Keep your stay at home lucky with these 13 home related superstitions from a variety of cultures.
An old Feng Shui tradition says when you move, you should leave your old broom behind. By leaving your old broom and old dirt, you're ridding yourself of your past and starting fresh in your new home.
Ward off evil spirits with "haint blue". It's said that spirits or "haints" mistake the blue paint for water and won't cross over the surface into your house. You'll find many doorways and porches painted this light shade of blue in South Carolina, Georgia and throughout the south.
According to Norse mythology, placing an acorn on your window sill protects your house from lightening.
Hanging an empty hornets nest in your home can attract good luck... We'd like to stress the word "empty" in this idea.
Looking for a good moving day. Avoid Friday, Saturday or rainy days (seems obvious). In India, Thursday is thought to actually be the luckiest day to move into a new home.
Elephants are a sign of wisdom and good luck. Fish are seen to bring good fortune and prosperity. Tortoises symbolize positive energy and longevity. These are just a few critters that bring good luck to your home.
Horseshoes can bring good luck, but be sure to hang them with the opening upwards. Otherwise your luck will pour out.
Don't sweep at night according to people in West Africa. You'll sweep away your good luck.
To invite financial prosperity, people in the Philippines will scatter coins around the living room of a new home.
Want to invite an evil spirit into your home? Rock a chair without anyone sitting in it. The Irish believe this is an open invitation for a paranormal sleepover.
Yes, there is a right side of the bed... according to an American proverb. You should always get out of the bed on the same side that you got into the bed on... if you want to have a good day.
Other than the obvious germs that would come from placing your shoes on the table, in the US and the UK, this bad habit is considered bad luck and could even lead to death.
Mirror, mirror on the wall... Whether you're breaking a mirror and gaining seven fun years of bad luck or summoning Bloody Mary on a spooky night, mirrors can be full of superstitious tales. Historically, people even covered their mirrors, when family members passed away, so that their souls didn't get trapped inside the reflective surfaces.
Want to read more about these superstitions and others, visit these websites...