News | Financial Independence Blog

How to Avoid Identity Theft

You’ve worked hard for the things you have under your name – it’s more than a sinking feeling to find out that someone has stolen your belongings, finances, and identity. It can be a real pain to try and sort it all out once it happens.…

Early Direct Deposit

Direct deposit has gone from being a cutting-edge feature to the default for most workers and employers, and it’s no surprise why. It eliminates the hassle of cashing your check at the bank. Instead, your employer pays you electronically…

Financial Tech, Mobile Banking Services

How Much to Save Each Month

“I don’t have the money” is a common phrase we hear or say when there’s an option to purchase something that doesn’t necessarily align with our financial goals or budget. But is it because we are actually broke or are we trying to…

Mobile Banking Services

How to Achieve Your Financial Goals

Being financially secure is more prevalent than ever, but it still remains a challenge to many people. Let's discuss how to achieve your financial goals – and actually stick to it this time. After a long and arduous 2020, more and more…

Financial Tech, Mobile Banking Services

Financial Spring Cleaning

Spring is the season for cleaning and that shouldn’t just end at home. Your finances should go through a little spring cleaning themselves. Having an organized financial life can help you better understand the flow of your money. Tracking…

Timothy Rooney: President of Advisory Services

Reversion to the Mean

A basic thesis on Wall Street is that what has worked well in the last market cycle is likely to underperform in a new cycle, and conversely, the underperformers of the last cycle can or should be the outperformers of the new cycle. The…

Timothy Rooney: President of Advisory Services

How to Keep Money

“How did you go bankrupt? Bill asked. “Two ways”, Mike said. “Gradually and then suddenly.”- E. Hemingway, The Sun Also Rises (1926) Once we make some money, how do we keep it? There are many articles written about how to make…

Timothy Rooney: President of Advisory Services

Investing vs Speculating

“We engage in the folly of short-term speculation and eschew the wisdom of long-term investing. We ignore the real diamonds of simplicity, seeking instead the illusory rhinestones of complexity.”- John C. Bogle, Enough: True Measures…

Financial Tech

Is Contactless Payment Safe?

Thanks to COVID-19, most of us really don’t want to hand our card to someone or touch a potentially contaminated PIN pad on a POS device. Questions about passing germs and touching common surfaces have boiled to the top of our everyday…

Financial Tech

How to Keep More of Your Paycheck

Budgeting your paycheck is something everyone should do, but it doesn’t mean everybody does. Sometimes, the hardest thing about saving is starting. If you find yourself spending beyond your paycheck, stretching it way too thin, or not contributing…

Financial Tech

NFC Payment

Have you ever seen that icon on your credit card with frequency wave-like lines, similar to the WiFi icon, but sideways? That means your card is enabled for NFC payment. But what exactly does that mean? What is NFC? Near Field Communication…

Financial Tech

What Does it Mean to be FDIC Insured?

If you’ve ever opened a savings or checking account at a banking institution, you’ve likely stumbled across the phrase “FDIC insured”, but what does that mean for you and your assets? What Does it Mean to be FDIC Insured? The…

Mobile Banking Services

How to Control Spending Habits

Spending vs Saving Habits Americans are spending on average almost 80% of what they earn. This leaves little for an emergency fund, retirement, or savings for big-ticket items like a house, a car, or an appliance. The situation is not…

Mobile Banking Services

Are Mobile Banking Apps Safe?

Switching to online banking has its obvious perks, most notably, having complete access to the bank and features without having to physically go into your local brick-and-mortar. However, mobile banking apps still have some consumers worried…

Mobile Banking Services

How To Separate Money in Bank Account

Learning how to separate money into different bank accounts associated with your specific goals will help you stay financially stable and disciplined. When you set up multiple accounts, it makes saving for specific short-term and long-term…

Marygold & Co. News

Thank you!