Kacey Carnes, Author at Harvester Financial Credit Union

Most Creative Workers Plan to Look for a New Job this Year, And Other Key Trends

From technological developments to shifting working dynamics, there’s no question that today’s creative teams are challenged by constant and accelerating change, new research suggests. Staffing firm The Creative Group, in collaboration with AIGA, the professional association for design, surveyed more than 1,000 workers in the creative and marketing industries to find out how they feel…

Smart Ways to Retain Customers, from Deb Brown

Taking care of existing clients is a much faster path to cash than pursuing new clients, according to author Deb Brown. “Long-term clients spend more and refer more,” says Deb Brown, author of the book Lifelong Loyal Clients: How Smart Professionals Turn Relationships Into Revenues (2018 Indie Books International). “Knowing this, smart business owners focus…

You Need Better Sleep, Says the Better Sleep Council

A study from the Better Sleep Council says better sleep may be the key to making 2018 goals stick. (They would say that, of course). The Council is offering these tips for making the most of sleep time: Make daily sleep appointments. Develop a routine in which you go to bed at the same time and…

First-Time Buyers Earn $30,000 More Than Their Peers Who Didn’t Buy a Home, Zillow Finds

For buyers entering the housing market for the first time, the median household income isn’t enough, according to a new RealEstate.com report. The median income for a first-time buyer is $72,500, compared with the national median household income of $60,700. The difference in income for first-time buyers is more pronounced when compared with their peers who didn’t…

Nearly 1 in 3 Americans Think “Bigfoot” Being Real is More Likely than Retiring Comfortably

Nearly 1 in 3 people approaching retirement age (28%) think they’re more likely to learn Bigfoot is real than to save enough to retire comfortably, according to a recent survey from AARP and the Ad Council. To empower more Americans to take steps to get on track with their savings, AARP and the Ad Council…

The Conference Board Employment Trends Index (ETI) Increased in December

The December jobs report was truly awesome. Will we see strong growth in January? One hint comes from The Conference Board Employment Trends Index (ETI), which increased in December following a minor decline in November. \”The Employment Trends Index rose sharply in December, reversing the declines in recent months, suggesting that employment will continue to…

Savings Strategies from a Recovering Spender

Savings Strategies from a Recovering Spender It\’s 2019 and if you\’re like many Americans, your resolution might be to save more money this year. It might sound like an impossible task-and a year ago I would have agreed. You get paid and somehow the money is gone long before your next payday. Here are some…

The Impact of Taxes in Retirement

A new Nationwide Retirement Institute survey finds nearly two in five retirees (37 percent) admit they did not consider how taxes would affect their retirement income when planning for retirement. As a result, they may have lost the opportunity to save an additional six years’ worth of income in retirement. The survey highlights a lack of understanding…

Annoying Robocalls Hit Record Numbers Last Month

The number of annoying robocalls Americans endured rose by 15.9% last month versus the previous month, according to the YouMail Robocall Index. In fact, there was a new monthly record of 5.1 billion robocalls received nationwide in October, which marks the first time the monthly total has topped 5 billion robocalls since the YouMail Robocall Index launched…

1 in 3 Americans Think They Will Never Be Debt Free, Survey Finds

In a new survey, nearly a third of Americans expressed concern that they will not be able to pay off debt in their lifetime, according to GOBankingRates. Perhaps it\’s time to visit your credit union. Forty-four percent of Americans said that low income is the No. 1 reason for their ongoing struggle with debt. Respondents also…