Making Cents of it All:

Financial Tips Brought to you by MHV

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Welcome to Making Cents of it All: Financial Tips from MHV. Here you'll find simple, easy to implement suggestions on how to save money and make smart financial decisions that could add up to big bucks.

Three steps you can start taking today to build your Savings Account.


Building up your Savings Account can seem like a fairy-tale wish. With bills, unexpected repairs, vacations, medical expenses, the money we think we’ll be able to save seems to disappear before we know it. It’s critical, though, to focus on establishing and growing a Savings Account because, in a true emergency situation, you’ll need to be able to pay the non-optional bills: rent, mortgage, food, car payment. Your Savings Account shouldn’t be a go-to when you want to buy something outside of budget, but it absolutely should be your go-to if, for example, you undergo a medical procedure that leaves you unable to work.

My Debit Card Stopped Working


It’s happened to a lot of us. You’re out at the store, or about to pull money from the ATM, and your card stops working. It’s frustrating, and a little scary, but there’s usually a good reason behind the sudden issue. Here are some common reasons your debit card might stop working, and what to do if that happens.

Calculating ROI of Your Home Improvement Projects


Did you know that not all home improvements give you the same bang for your buck? Guest Contributer, Roberta Pescow from gives you advice on how to choose a remodeling project that you can enjoy now and may help to benefit your wallet when it comes time to sell.

Should I Start My Own Business


MHV Business Loan Officer, Barry Sutton shares the 6 important questions to ask yourself to see if you are really ready to start your own business.

Financial Literacy Month Is a Great Time to Start Saving


Guest Contritbutor, Tammy Greynolds from America Saves talks about the importance of saving in honor of Financial Literacy Month and how to assess if you have the best savings plan for your needs.

Designing an Investment Portfolio


Guest Contributor, Jason Netrosio of the MHV Investment & Retirement Center walks you through the steps of putting together your own investment portfolio. 

Your Real Net Worth


Your net worth is a number that’s good to know and check each year. However, when you calculate your net worth, it can be easy to overlook all of the value in your life that might not translate directly to you’re your bottom line.  We’ve got a short breakdown for you, along with a way to maximize the value in your life while minimizing how much it costs you.

What Should I Do With My Tax Refund?


If you’ve got a small windfall coming from the IRS and don’t want to watch it disappear as you spend an extra $50 or $100 here or there, we’ve got some plans that can turn your refund into lifelong memories, earn you money in the long run or both, all while spending time doing what you want to do.

Preparing To Buy Your First Home


Buying a home can be a daunting task. The challenges of being a first-time home owner can be intimidating, particularly for people who are moving away from home. Let’s take a look at a few guidelines to help take some of the stress out of the decision.

4 Best Financial Tips for the New Year


Guest Contributor, Roberta Pescow from shares her four best tips to help create New Year resolutions for lasting financial growth and stability.

Protecting Your Identity During the Holiday Season


Whether you are doing your holiday shopping at the mall or online MHV has great tips to help you protect your accounts and identity.

How the New Mortgage Rules Change Real Estate Closings


Guest Contributor, MHV Mortgage Originator, Bill Walsh simplifies the new TILA/RESPA Integrated Mortgage Disclosure Rule, also know as TRID, when it comes to your mortgage closing in this month's article. 

5 Easy Steps to Save for Big Ticket Items


This month we feature an article from Tammy Greynolds at Learn how to strategize your savings to cover big purchases from the important things you need and those you just want. 

Setting up Your Small Business Office on a Budget


Learn how to shop smart when it comes to setting up your small business office space with 5 easy tips to help you save money.

Mid-Life Money Errors


While many people increase their commitment to investing and retirement saving between the ages of 40 and 60, they may fall prey to some common money blunders and inaccurate financial assumptions that can last into retirement. Our MHV Investment & Retirement Representatives can help you identify if you are making these common mid-life money errors and how to fix them before it's too late.

Take Your First Steps Before They Take Theirs: Financial Planning For The New Parent


Becoming a new parent is an exciting time. That little bundle of joy doesn't have to come with a bundle of financial worries. With just a little bit of preparation, you can get your newly expanded family on the right track to financial success. 

Getting Creative with Vacation Funding


Spend your next vacation relaxing instead of worrying about your finances with a little bit of planning. Cait Klien from gives you some great advice when it comes to saving for a vacation.

How to Avoid Home Buying Heartbreak


Don't set yourself up for new home heart break. Learn how a mortgage originator can help you avoid falling in love with a home you can't afford. 

Investing In Their Future


Learn how to get your kids interested in investing through their favorite brands in this month's article.

APR Explained: Why A Lower Rate Is Your Highest Priority


The most confusing part of dealing with credit card debt is the monthly statement. The only part of it that's easy to understand is the "payment due" – and that's just the way credit card companies seem to like it. In truth, there's a lot of information on there that can empower you as a consumer. You owe it to yourself to do the homework and find the best deal for your money. 

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