Get Financially Fit
Community Bank & Trust hosts free seminars on a variety of financial topics of interest to its customers; the seminars are open to the general public. It will also be providing financial advice and tips for saving money on its website, newsletters and Facebook page. “We want to help our customers find good financial advice and affordable services, especially in challenging economic times,” said Debbie Small, CBT President and CEO. “It’s not only the right thing to do, it helps the whole community; when one of us does well, we all do well.”
Community Bank & Trust doesn't endorse, control or verify any information found at other websites but provides these links as a convenience. You should discuss any tax or legal matters with the appropriate professional.
Deposit products offered by Community Bank & Trust are insured to the full limit allowed by the Federal Deposit Insurance Corporation (FDIC). For information, please visit http://www.fdic.gov/deposit/ Community Bank & Trust is an Equal Housing Lender.
Non-deposit products are not guaranteed or endorsed by Community Bank & Trust and are not insured by the FDIC. Purchase of non-deposit products involves risks, including possible loss of principal.
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Financial news you can use...
Avoid online tax scams.
It's tax season and scammers know it. Protect your financial information: click here.
How to understand insurance contracts.
Knowing what's really in the contract can make a lot of difference. Investopedia breaks it down.
Is it better to use your credit card, or debit card?
The difference between them is more than you think. Read more.
What's the best college value?
Paying for college is a huge financial commitment for any family. Which schools offer the greatest value? Kiplinger provides some resources at its website.
Cut the cost of commuting.
Working from home isn't for everyone, but it does offer some advantages. Kiplinger offers 10 sources for great work-at-home jobs.
The psychology of spending.
To spend, you either have to earn more, or save more, or go into debt. Here are 8 psychological keys to spending.
Turn your passion into profit.
Have you always dreamed of having your own business? Here are 5 tips for getting started.
10 things you probably didn't know about your money.
Important things you could learn about your house, your credit score, your taxes, your job, your estate: click here.
Budgeting made easy.
Plug your numbers into this handy worksheet and see whether you're ahead or behind, and adjust: click here.
Getting kids financially fit.
A recent survey of 2,000 parents showed that only 63% said their children under 18 have a savings account; read more. Freddie the Financial Frog is at CBT to help.
With gas prices so high, fuel-efficiency can make a big difference to your budget. Compare 2012 cars here.
Does your income fluctuate?
If you're self-employed or work on commission, your income probably goes up and down, making it even more important to set up a regular savings program; we can help with that. See what Dave Ramsey says.
Ladies: your retirement needs may be different.
Statistically, women live longer, so their needs for retirement funding may be greater. It's important to take charge of retirement savings now; click here to read more.
How does your Social Security benefit add up?
The Social Security Administration has a variety of calculators for figuring future benefits, very helpful in deciding how much you need to save now to have the kind of retirement you want. Click here.
Get the best deal on car insurance.
Some cars are cheaper to insure than others, and rates can vary a lot. Kiplinger's Personal Finance offers some tips for saving on car insurance: click here.
102 online sources for financial information and savings.
You can find everything from services for seniors to travel tips to career advice to cheap entertainment: click here.
Would you be ready for a fire?
If you had a fire at home, would you remember and be able to show the insurance company everything you needed to replace? Take pictures of every room, especially any special valuables, put them on a thumb drive and put it in your safe deposit box at the bank. Be prepared.
Is a Roth IRA right for you?
When it comes to saving for retirement, which is best: a traditional IRA or Roth IRA? Forbes offers some insights about IRAs; click here. This year, the tax filing deadline is April 18 and IRAs may be funded for 2011 up to the time of tax filing. For more information about Individual Retirement Accounts, including SEPs for the self-employed ~ visit any branch of Community Bank & Trust.
What does your retirement look like?
Kiplinger talks about the realities of saving for retirement and the importance of starting early: click here. How much income do you need in order to retire? Do you have a pension? IRA? Personal savings? To calculate how much you need to save now to replace, say, 80% of your current income, click here.