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Why Contributing To Your 401(k) Should Come With A Warning Sign — A Tale From A Financial Counselor

Why Contributing To Your 401(k) Should Come With A Warning Sign — A Tale From A Financial Counselor

By: Shelly Weber, Certified HUD Housing Counseling and Financial Coach

We have often heard it said, “Do not neglect contributing to our employer’s sponsored retirement plan”…. Perhaps, taking advantage of an employer’s retirement savings should come with a warning sign: “Do not contribute until you are financially prepared.” This may sound counterintuitive, but let me explain.

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Road Trip: Mastering The Strategic Process Of Action Planning

Road Trip: Mastering The Strategic Process Of Action Planning

Denise Keiser AFC®, Counseling Programs Manager

People seek financial counseling because they want things to be different in their financial lives. They are looking for change like relief from surmounting debt, less financial stress, or they have important financial goals to reach like buying a home or saving for retirement. Regardless of the individual’s reason, the counseling process is the same. The process starts with…

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Swipe Up: Social Media Spending

Swipe Up: Social Media Spending

Lindsey Deinhardt, Director of Organizational Development

Over decades, we have integrated social media into our lives: it is how we connect with people and organizations. Consequently, companies have taken advantage of this and turned what used to be a networking tool into an easy way to advertise. The average American will spend more than…

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Multiple Financial Wellness Vendors: A Blended Family With One Goal

Multiple Financial Wellness Vendors: A Blended Family With One Goal

Jen Martin, Director of Partner Relations

In the first article in this series, we discussed how searching for the perfect financial fitness partner is like dating. Then in part two, we reviewed that every great partnership requires commitment (similar to a marriage), goal alignment, and working together. In part three, we will talk about how relationships change or adapt over time…

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Upstreaming Financial Services

Upstreaming Financial Services

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

There is a parable used in the healthcare industry that has changed the way I think about serving people. I would like to share this parable, which I heard told by Dr. Rishi Manchanda, the founder of HealthBegins, in a TedTalk called, “What is an Upstreamist in…

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Are your Employees Financially Savvy?

Are your Employees Financially Savvy?

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

Let’s talk about money. It is a taboo subject—much like sex and politics. We were taught not to discuss these topics “in polite company” but look at where “not discussing politics” has gotten us in America! Perhaps, instead of telling people not to discuss politics, we instead encourage…

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Insights from the Front Lines: Housing Counseling

Insights from the Front Lines: Housing Counseling

By: Linda Davis-Demas, Senior Director of Housing

Housing Counseling is a core competency of BALANCE. We handle pre-purchase, post-purchase, foreclosure prevention, rental, and reverse mortgage counseling. We are a HUD approved national housing counseling agency. We work with mortgage servicer partners…

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Five Steps to Financial Triage

Five Steps to Financial Triage

By: Karina Galvan-Torres, Senior Director of Operations

During times of economic crisis and uncertainty, the significance of prioritizing financial stability suddenly leads every conversation with family and friends. For agencies, like BALANCE, that provide services to underserved and financially vulnerable communities every day…

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Knowledge Begets Confidence

Knowledge Begets Confidence

By: Meaghan Hiller, AFC®, Director of Financial Education

How do you foster your employees’ confidence to love their job? Help them build upon their current skills and learn new ones, increase the “tools in their toolbox,” empower them with knowledge and strike up a new spark in how they approach their day-to-day. In two words…

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Are Your Members Financially Healthy?

Are Your Members Financially Healthy?

By: Cynthia Campbell, MBA, MEd, CUDE, Chief Experience Officer

When I first heard of the Financial Health model created by the non-profit, Financial Health Network (formerly CFSI), I was thrilled. This framework offers four main pillars of financial health and under each pillar, there are two indicators. It is beautifully simple. They offer…

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The Evolving Workforce

The Evolving Workforce

By: Jenna Allen, HR Manager

Over the years, more and more companies are starting to offer their employees the option to work remotely. This gives employees more flexibility, eliminates commute time and the stress that comes with it, and allows employees to be more efficient with their time. Although we have…

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