You can count on Provident's Financial Consultants* to help you with your investment and insurance needs. But for some general advice and tips to help you with your investing and retirement planning, please check out the links on this page. If you have any questions, a consultation with a professional, experienced Financial Consultant is free. Just call (800) 632-4600, ext. 2487.
- IRA Comparison Chart [pdf] Compare and contrast the three main types of IRAs (Individual Retirement Accounts) and ESAs (Education Savings Accounts).
- Glossary of Investment Terms Definitions to all the possibly unfamiliar words you might hear or read about financial planning and related products.
- IRA and ESA Frequently Asked Questions (FAQs) Frequently Asked Questions about the three main types of IRAs (Individual Retirement Accounts) and Coverdell ESAs (Education Savings Accounts).
- Year-End Tax Planning Tips You may not be able to avoid Uncle Sam, but with careful planning, you may be able to minimize the tax bite. Here are a few year-end tax planning strategies.
- 10 Money Saving Ideas These days its more important than ever to save money for your future and for that of your family. Here are ten ideas to help you along.
- Are You Saving Enough? Most individuals understand that in order to achieve significant financial goals, they must learn to make saving a significant part of their lives. As a nation, however, how successful are we at saving?
- Five Tips For Folks Over 50 As you get older, your investment strategy changes. Here are 5 tips for those entering their silver years.
- Choosing Your Retirement Benefit Distribution Consider carefully how you want your benefits on your pension funds to be paid out during retirement. The distribution methods you select may impact your family for years to come.
- Retirement Reminder When figuring out how much money you'll need to live on during retirement, remember to budget for "wants" as well as needs. Such as...
- Withdrawing Money without Penalty Consider carefully how you want your benefits on your pension funds to be paid out during retirement. The distribution methods you select may impact your family for years to come.
- Plan Now, and Retire in Comfort The best way to ensure a comfortable retirement is with early planning. Here are some general guidelines to get you started.
- Building Wealth: It's Never Too Late Tips on how to improve your prospects for a comfortable retirement, if you didn't start saving early enough.
- Increase Your Savings to Achieve Your Financial Goals It is important to make saving a habit. We'll show you ways to jump start your savings program.
- What Makes Your Portfolio "Tick"? Market trends aren't the only things that affect how well your investments perform. Here are six more factors that make a difference.
- Five Steps to a Healthier 401(k) Don't let the investments in your 401(k) get out of whack. Follow these 5 steps to keep your 401(k) "in the pink."
- Protect Your Retirement When Leaving Your Job Changing jobs? Wondering what to do with the money in your existing employer-sponsored retirement plan? We'll help you out with some tips.
- Five Key Aspects of Family Financial Management Focus on these 5 areas to help preserve the financial security of your family, send your children to college, prepare for a comfortable retirement, and more.
- 529 Plans Offer Tax Benefits When Saving for College 529 Plans are a great, tax-smart way to save for your child's future education. Read more to find out why.
- The Financial Rewards of Aging Learn what the key ages of your life are, in relation to retirement accounts and Social Security.
- Help You Thrive A wealth of resources to make your journey and navigation through the financial world a bit easier, with calculators, worksheets, educational resources and the financial basics. Brought to you by the California Credit Union League and the Nevada Credit Union League.
Media Resources on the Web
The following links are to resources outside of the Provident Credit Union Web site that may also help you with your investing and money management. Provident does not control the content on any of the following links:
Net Worth - Kathleen Pender
- Bay Area housing market cools, but it’s still nuts The Bay Area real estate market went into 2018 with a bang and out with a whimper. In the first half of the year, the median price rose almost 17 percent to an all-time high of $875,000 in June. In the second half, it fell 10.3 percent from that peak, ending at $785,000 in December. The December price was down 3.7 percent from November but up 4.6 percent from December 2017, according to a report Thursday from research firm CoreLogic. It includes all new and existing homes and condos in the…
- Opendoor buys and sells homes fast — now it has another $325 million Opendoor, a San Francisco startup that buys and sells homes online, has raised an additional $325 million from investors including venture capital firms, homebuilding giant Lennar and Invitation Homes, the nation’s largest single-family home landlord. Altogether, Opendoor has raised $645 million from equity investors. It also has raised $1.5 billion in debt to finance its home purchases. Opendoor has been described as a flipper, but it’s not…
- Bay Area home prices hit another record high in April Bay Area home prices set another record for the second straight month in April, as the median climbed to $850,000. That’s up 2.4 percent from March and 13.3 percent from April of last year, according to a CoreLogic report released Thursday. It was the ninth consecutive month of double-digit year-over-year increases. Over the last six months, those gains have averaged 13.2 percent, compared to a year-over-year gain of 6.5 percent during the same period a year…
- California motorists can get slammed twice in hit-and-run accidents If you get involved in a hit-and-run accident in California, be prepared to get slammed twice — once by the scofflaw and again when you find out that uninsured motorist insurance won’t pay for repairs if you can’t identify the other driver or car by its plate number. If you have collision coverage, your insurer will pay to repair your car, but you will have to pay the deductible, which generally ranges from $250 to $1,000. By comparison, if the driver at…
- Public adjusters can help consumers with fire claims, but tread cautiously People who lost homes in the Wine Country fires might be approached by public adjusters offering to represent them in their insurance claims. While some disaster victims have had good experiences with public adjusters, consumer advocates and the California Department of Insurance warn against rushing into anything. They say policyholders should try working with the insurance company first. If they feel they are being mistreated, they should file a complaint with the Insurance…
- Updated: Where fire victims can apply for tax relief and FEMA grants and loans Financial help is coming for California fire victims in the form of income- and property-tax relief for individuals and businesses in most affected counties and federal grants and loans for those in Sonoma, Napa, Butte, Lake, Mendocino and Yuba counties. The Federal Emergency Management Agency made “individual assistance” available to people and businesses in Sonoma County starting Thursday and those in Napa County starting Friday. FEMA added Butte, Lake,…
- New law bans California employers from asking applicants their prior salary California employers can no longer ask job applicants about their prior salary and — if applicants ask — must give them a pay range for the job they are seeking, under a new state law that takes effect Jan. 1. AB168, signed Thursday by Gov. Jerry Brown, applies to all public- and private-sector California employers of any size. The goal is to narrow the gender wage gap. If a woman is paid less than a man doing the same job and a…
- FEMA offers assistance to Sonoma County fire victims Sonoma County residents whose homes or businesses have been destroyed or damaged in the North Bay wildfires can apply for federal disaster assistance to help pay for their losses, the Federal Emergency Management Agency said Thursday. The grants are for temporary housing, essential home repairs, and property losses not covered by insurance, the agency said. FEMA grants do not have to be repaid, are not taxed as income, and do not affect a recipient’s eligibility for…
- 6 things fire disaster victims should do now If your home was destroyed or damaged in the North Bay fires, here are six things you should do now. Take care of yourself and family. Get a roof over your head, talk to your employer, get your kids back in school when it’s possible to do so, let your friends and family know you are safe via phone, text or social media. Stay in touch with neighbors for information that could affect you. Contact your lenders. If you…
- Santa Rosa housing scarce before the fire — what now? The fires that destroyed at least 2,000 homes and other structures in the North Bay could put more upward pressure on rents but also cause buyers to think twice before purchasing a home in the ravaged region. In June, voters in Santa Rosa narrowly rejected a measure that would have implemented rent and eviction controls. As in many Bay Area cities, rents there have been rising because the supply of new homes has not kept up with demand, which in Sonoma County is being driven…
- Why Equifax’s free lifetime credit lock is not nearly enough The grilling of former Equifax CEO Richard Smith on Capitol Hill last week revealed how little the company has done to protect or compensate the 145.5 million consumers whose personal information was stolen through a gaping hole in its “dispute portal.” Smith conveniently “retired” on Sept. 26, then went on to represent the Atlanta company in hearings before three congressional committees last week. Given the scope of the breach,…
- Equifax temporarily waives fees to freeze credit report Bowing to pressure over its mega data breach, Equifax said it is temporarily waiving fees to freeze and unfreeze credit reports. “As of Saturday, Sept. 9, we are waiving all charges for placing or removing a security freeze on an Equifax credit file during the enrollment period for the credit file monitoring and identity theft protection service we are offering for free to all U.S. consumers. We also are in the process of refunding any fees consumers may have paid since…
- What happened to Bay Area home prices in July The Bay Area housing shortage showed no signs of abating in July, as the number of homes sold fell by 17.3 percent from June and by 2.6 percent from July of last year, according to a CoreLogic report released Wednesday. Sales typically fall between June and July as house hunters and real estate agents head off on vacation, but the average drop-off since 1988 has been only 6 percent. The number of homes sold last month was the lowest for a July since 2011. CoreLogic…
- One couple’s bedbug saga: “exactly what a nightmare would be” Bedbugs didn’t cause the breakup of Straten Schemel and his ex-girlfriend Paige Govey, but they contributed to it, both sides agree. The former couple said they moved from San Jose, where they were bug-free, into San Francisco’s Potrero Launch apartment complex in December 2015. Part of their 63-page lease agreement included a two-page addendum about bedbugs, Schemel said. The addendum noted that there may have been a prior infestation in the dwelling or building,…
- Bay Area home prices hit another record in June Bay Area home prices hit another record in June Bay Area home prices marched to a fourth consecutive monthly record in June as limited supply, especially among lower-price homes, failed to keep up with demand, according to a CoreLogic report issued Wednesday. Real estate agents say there has been some softening in prices at the upper end of the market, and in some new condos. In any of the resale neighborhoods, there is just no supply, said Robin Hubinsky, an agent with Zephyr Real Estate…
Personal finance news - CNNMoney.com
- How can I protect my investments from inflation? Whether you hedge inflation or look for a return that outpaces inflation, here's how to prepare.
- How to catch up on retirement savings in your 50s Read full story for latest details.
- How do you know you're really ready to retire early? The heavy lift for early retirement is getting to your magic savings number, but there are many other details to consider before quitting your job.
- 3 reasons to retire as early as you can Read full story for latest details.
- In your 40s with no retirement savings? Make these your next moves Read full story for latest details.
- Retirement planning mistakes you probably don't realize you're making Read full story for latest details.
- How can I get downside risk protection with robo-advisors? Robo-advisors are a smart way to invest your money, particularly in good times. But in a changing market, algorithms can leave you exposed. Here's how to protect yourself.
- Companies where tomorrow's graduates want to work Recent graduates still covet jobs on Wall Street or at prestigious consulting firms. But high-profile tech companies are also on their short lists of potential employers.
- 5 things you must do before you retire Read full story for latest details.
- How to invest in real estate without buying a home There are many ways to get the benefit of real estate without tying up capital or getting dragged into logistics that come with owning property.
- Moonves' negotiated exit shows the power of #TimesUp Paying a ton of money to make the problem go away doesn't work in the post-#MeToo era.
- The case for and against gender quotas Companies say they can make progress without them. Advocates aren't so sure.
- New job not working out? Your employer may pay you to leave Sometimes a new hire just doesn't work out. Some companies offer unhappy employees a buyout that allows them to leave with a stipend.
- New Ryanair rules mean only the smallest bags fly free Ryanair has introduced restrictive new baggage rules that risk upsetting passengers.
- How to build a career in diversity and inclusion Positions like 'head of inclusion' or 'chief diversity officer' are only growing in demand.
- The rise of diversity and inclusion jobs Read full story for latest details.
- 5 steps to making sure you're ready to retire Read full story for latest details.
- The job market is so good, candidates aren't even showing up for interviews It's a job seeker's market, and some candidates aren't even showing up for scheduled interviews. Or their first day of work.
- Female CEOs are rare. Two in a row at the same company is (almost) unheard of In the history of the Fortune 500, a female-to-female CEO succession has only happened three times.
- How much of a pay raise you can you really ask for? Read full story for latest details.