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Paper or Digital – Organizing Your Finances in a Way That Works

Paper or Digital? Everything is going digital. Tapes, CDs, disks and paper are being replaced with bits and bytes of data often stored in a virtual cloud. Depending on your background, the digital world may be a mysterious and uncomfortable place. Let’s take an objective look at the pros and cons of going digital versus using paper to organize your personal finances. Paper Statements: Tried and True or Time to Go? Paper is the default method for managing and organizing your finances. Online banking in the United States started in the 1980s, but electronic statements and digital financial management did not become mainstream until more than a decade later when home internet use became commonplace. Thanks to its long history, paper statements still remain popular with many banking customers today. According to a poll from CreditCards.com, 54 percent of adults still get paper bank or credit card statements by mail.…

4 Solar Incentives for Homeowners

Now more than ever, electricity is at the center of human activity – from heat and light to security, social life and entertainment. But nothing is free in this world. From our monthly power bill to the effects of our energy dependency on global politics and the environment, we are increasingly aware of the cost of our high-powered lifestyle. But how can we be part of the solution while saving our money and our planet at the same time? Questions like this are driving more people to consider solar power for their homes.  Here are four solar incentives for homeowners: There are a few different ways to harness the sun’s energy for electricity. Chances are you’re most familiar with photovoltaic solar panels, which convert sunlight into energy at the atomic level. The average American home consumes around 11,000-kilowatt hours (kWh) annually. By installing a solar array of 25-30 panels, you can…

Earth Day Savings: How Saving the Planet Can Save You Money

April 22 marks the 45th anniversary of the first Earth Day in 1970. While environmental awareness and sustainability have come a long way since then, the fight to save our planet is by no means over. The good news is that each of us is capable of decreasing the production of carbon dioxide and other greenhouse gases by thousands of pounds each year. But what you may not realize is that going green can actually save you green. Here are six great ways to reduce your carbon footprint – and your energy and gas bills while you’re at it! Upgrade Your Old Cooling Systems If you invest in central air conditioning with a seasonal energy efficiency ratio (SEER) of 14 or higher, you could reduce your carbon dioxide emissions by more than 1,500 pounds a year. If you use a window air conditioner in your home, consider replacing it with…