Financial Fundamentals Blog

Francesca Sacco

Recent Posts

What are the Most Common Payroll Deductions?

  • Francesca Sacco
Direct deposit is wonderful, but if you’re not taking the time to review your pay stub now and again, you could be missing crucial mistakes. Learn about common payroll deductions to help make sure you’re being paid all you deserve.

Debt Consolidation vs. Bankruptcy: What’s the Difference?

  • Francesca Sacco
If you’ve racked up debt you’re now struggling to pay, it’s easy to feel like you don’t have good options to restore your financial stability and dig yourself out of this hole.

How To Tell If Your A Victim Of Unemployment Fraud

  • Francesca Sacco
Fraudulent unemployment claims have reached dramatic levels during the pandemic. Claims continue to rise across the United States, and Ohio is no exception. According to the Ohio Department of Job and Family Services, over 128,000 claims were filed in March of 2021. Of those 128,000 claims, at least 19,000 have been flagged as...

How Credit Inquiries Affect Your Credit Score

  • Francesca Sacco
Did you know that every time you apply for credit, you could be impacting your credit score? Potential creditors or lenders check your credit history each time you apply for a new credit card or loan. Depending on the scenario and the inquiry, you could see a change in your credit score. Here’s a quick comparison of hard and...

How to Avoid Vacation Debt When Planning Your Upcoming Trip

  • Francesca Sacco
Summer is officially here, which means families across the United States are preparing to go on vacation. While vacations are great way to spend quality time with loved ones and to unwind, the credit card bills that accumulate afterwards can sour memories of the trip.

Take the time to plan a vacation that will leave you with good memories instead of debt. Here are some tips to keep in mind while planning.
 

6 Tips For Separating Your Business and Personal Finances

  • Francesca Sacco
As a business owner, it’s important to establish a distinct separation between your personal finances and your business finances.

What is Account Takeover Fraud and How Can You Protect Yourself?

  • Francesca Sacco
Fraudsters will stop at nothing to gain personal information, and when they succeed, the end result can be disastrous. One type of fraud that is gaining traction is account takeover fraud, or ATO. Account takeover fraud, also known as account compromise, occurs when a cyber-attacker gains control of a legitimate account.

IRA Options: How to Determine Which IRA is Right for You

  • Francesca Sacco
Individual retirement accounts (IRAs) are a financial vehicle designed to help American workers save for their retirement. While these accounts are just one type of investment and savings solution that can be used to achieve retirement goals, they’re an important fixture for many consumers. IRAs come in a few different shapes...

What Is the Difference Between a Credit Union and Bank?

  • Francesca Sacco
If you’ve never been a member of a credit union before, you might have questions about how these financial institutions differ from traditional banks and whether or not they offer the same services as for-profit banks.

When is the Best Time to Buy a Home?

  • Francesca Sacco
No one wants to overpay for a home. But even with a great deal, purchasing a home is most likely one of the biggest purchases you’ll make. Utilizing tips to help you save is always a good idea, but there’s more to consider. Here are some helpful hints for trying to secure an advantage when purchasing your dream home.

How Much Do I Need to Save To Retire? (+ Calculator)

  • Francesca Sacco
For many individuals and households, the ultimate financial goal is saving for retirement and achieving financial security by building net worth throughout your working years.

Are digital wallets safe?

  • Francesca Sacco
*This is the second installment of a three-part blog series focusing on digital wallets. Check back for more information.