Dear Valued Client, In this rapidly changing situation, I want to assure you Woodmen Financial Resources is maintaining regular business operations to ensure we continue to serve you. First, I wish you, your family, and your community well during this unprecedented time. The health and safety of our [...]
Maslow’s hierarchy of needs states that there are five basic needs that must be met before anything else – yet without realizing it, we often bend reality and stretch that five to 10, 12, or even 15. Simon Reilly, a coach and previous TED Talk Presenter, is on this week’s show to explain 17 mistakes [...]
It's the old catch-22. You cannot establish a credit history without having credit, and you cannot get credit without a credit history. But if you work at it, this problem can be overcome. While you create a history, be sure your efforts will be reported to the credit bureaus. Use the credit history [...]
Debt consolidation can lead to an improvement in your credit rating by making your debt easier to manage. Sometimes, debt consolidation means taking a loan at a lower interest rate to pay off several smaller loans at higher interest rates. Making one payment instead of many may help you keep your de [...]
If you've graduated college within the last few years, chances are you're paying off student loans. The way in which you handle your student loans during the repayment phase can have a significant impact--positive or negative--on your credit history and credit score. Your main goal when paying back [...]
Because a mistake on your credit report can negatively impact your credit score, it's important to monitor your credit report from each credit reporting agency on a regular basis and make sure all versions are accurate. If you find an error on your credit report, your first step should be to contact [...]
Think about how much you do online (pay bills, store mementos). Now think about what would happen if you were no longer around, and no one had your password or any legal rights to log in and take the wheel? Attorney Ruth Driscoll shares critical, but often overlooked items to consider when naming po [...]
It's difficult to imagine functioning in today's world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to credit goes hand in hand with having a good credit score, so it's important to know how to maintain a posi [...]
The chance that someone will assume your identity to open fraudulent bank or credit accounts is increasing as thieves become more sophisticated. The best way to protect yourself is to try to prevent this from happening in the first place. Here are some ideas: Make a list of all of your credit cards, [...]
When you say you want credit, you are probably asking for payment terms on a purchase. You are seeking to purchase goods or services today and forego all or a portion of the payment until a later date. You may or may not be bound by a payment plan. You may or may not be required to pay a percentage [...]
