Renting an apartment, applying for a vehicle loan, or even setting up utilities may require something many college students haven’t yet considered: a credit history. Between opening bank accounts, paying bills, using payment apps, and making everyday purchases, students begin developing habits that can affect their financial future for years to come. One important lesson…
Starting college brings new opportunities, new responsibilities, and unfortunately, new risks. Between searching for housing, applying for financial aid, looking for jobs, and managing money on their own for the first time, college students can become attractive targets for scammers. Criminals often focus on situations where people are making important decisions quickly or sharing personal…
For many young adults, college is about much more than earning a degree. It’s also a time to learn skills that can last a lifetime, including money management. Whether it’s paying bills, sticking to a budget, monitoring accounts, or making day-to-day spending decisions, the habits students develop during college often follow them long after graduation.…
Mortgage rates tend to get a lot of attention when people start thinking about buying a home. A rate can affect your monthly payment, which can affect what feels realistic in your budget. But affordability is bigger than one number. Buying a home also means considering your savings, maintenance costs, taxes, insurance, income, and your…
Life events require immediate attention to financial planning to prevent costly mistakes and family disputes down the road. Whether you are getting married, welcoming a new child, or facing the loss of a loved one, these transitions demand a thorough review of your financial accounts and legal designations. For expert insights on this topic, you…
Improving and maintaining a good credit score isn’t just a financial goal—it’s necessary for anyone planning a significant purchase, like buying a home or a car. Yet, many of us don’t fully understand the factors that impact credit scores or how to improve them effectively. That’s where Jon Liesener, a knowledgeable private banker with deep…
