IQ

February 2012

Sales surged in 2011 for car manufacturers and dealerships after several poor years. Maybe that had to do with the fact that the average car on American roads is 11.1 years old and the average SUV or pickup truck is 10.4 years old. Maybe your vehicle’s best years are behind it, too, and you’re thinking about buying a new car or truck? Before you hit the websites or showrooms to shop, take a moment to brush up on these pointers. Your wallet will thank you.

Which May Work & Which Usually Don't?

January 2012

Credit cards are important money management tools for most people. They provide a convenient and secure way to make purchases online and in stores, both at home and while traveling. Unfortunately, for many people, they are also a convenient way to run up debt. Current credit card debt averages over $6000 per U.S. household.

December 2011

When December arrives, thoughts turn not just to the holidays but to steps you can take to maximize year-end savings, particularly on the year’s taxes. As you enjoy the season’s festivities, take a moment to consider the following potential ways to save.

November 2011

Scammers love to target older adults. What makes older adults attractive targets? They are more likely to have "nest eggs," own their home, and have good credit. Many are trusting, good natured, and willing to believe what people tell them. Scams targeting older adults come via the telephone, email, and even the front door.

While the scams described below tend to be targeted towards older adults, anyone can be targeted. So whether you are older or not, it’s smart to stay alert to the scams most active today.

October 2011

If an incapacitating illness or accident were to strike suddenly, would your family (or other designated person) know where to find important documents related to your finances, health care, and personal information and assets?

An important part of managing all of your assets is making a plan that details what you’d like to happen in the future under various life circumstances. These range from illness or accident to death. This process is usually called “estate planning.” And doing this planning is important whether you are young and just starting out or older and reaching retirement age. Even if you haven’t made a formal plan, you have assets and documents that ought to be organized for your use and so that your spouse, children, or designee can find them easily in case of an emergency.