Centris Blog
Tax Refund: Receive Your Refund Quickly with These Tips
Tax Refund Tips When filing your tax return by hand, online or with a tax preparer, make sure you double check your routing and account numbers before signing and submitting your refund. Checking Account If you want your refund directly deposited into your checking...
Debt: A Look at the Spooky Facts
By Jamie Wagner, Ph.D. Spooky Tales of Debt Every October my husband and I begin our Halloween tradition—scary movie month. Colin loves scary movies, and I think I do except that I’m a huge baby and get scared so easily that I have to watch something “happy” before I...
Predatory Lending: Understanding and Protecting Yourself From This Practice
What is Predatory Lending? Predatory lending is a practice where lenders take advantage of borrowers for their own gain. Lenders often act deceptively through unclear terms and conditions. Borrowers are convinced to carry loans that have high interest rates and...
Making a Plan for Retirement: Traditional vs Roth IRA
By Jamie Wagner, Ph.D. What is an Individual Retirement Account (IRA)? Many financial experts will tell you to plan for retirement. But how? An individual retirement account (IRA) is a great option to supplement your company’s 401(k) (or other employer-provided...
There’s More to Saving Than Just a Savings Account: A Look at a Certificate
By Jamie Wagner, Ph.D. What is a Certificate of Deposit (CD)? I’m not talking about the latest Adele or Imagine Dragons album but a way to increase your wealth through saving in a certificate of deposit (CD) where you can actually earn some interest. Credit unions...
Financial Minute – Consolidate Debt with a Personal Loan
Consolidating debts can simplify planning and save money.
Identity Theft: How to Safeguard Your Personal Information
Understanding Identity Theft When someone uses your personal information (name, address, Social Security number, bank account numbers or medical insurance account numbers) without your permission they are committing identity theft. This serious crime is happening more...
Spring Clean Your Finances with These Tips
Finance Spring Fever Hopefully it's safe to say that spring is finally here. As you clean up the yard and move your winter clothes into the spare bedroom closet and your spring/summer ones into the main closet, it's also a perfect time to spring clean your finances....
Credit Card: How to Get One With Poor Credit
Understanding Credit and Credit Cards Credit is borrowed money used to purchase goods and services often with a finance charge attached. The most common forms of credit are installment loans (auto, mortgage, personal or home equity) and credit cards. There are pros...