CTC Podcast Ep. 4: finances during and after college

A person’s college and post-college years can be financially difficult and frustrating. It’s likely the first time they are responsible for rent, groceries, utility bills, perhaps even car payments and likely student debt — all while trying to finish school or find a full-time job to support themselves. So how do people do it? In our latest podcast, CTC employees AJ…

Is your tax refund too big?

  According to the IRS, the average tax refund received in 2015 was just about $2,800. Receiving such a large check from the government can be exciting but adjusting their withholding and receiving a smaller refund might actually be more beneficial for taxpayers. A tax refund is the return of taxes paid beyond what was owed…

CTC Podcast Ep. 3: talking retirement with Lavern Holdeman

Lavern Holdeman, our Financial Services Representative for the ECC’s Midwest and Midsouth conferences, retired at the end of January after working for over 50 years — eight of those with Covenant Trust Company. In our latest podcast, Lavern talks about his journey from lawyer to FSR, discusses how retirement planning has changed in the last 50 years,…

CTC Podcast Ep. 2: Three Thrifty Guys

  In episode two of the CTC podcast, Aaron and Charlie of Three Thrifty Guys join Ruser in a conversation about blogging, debt, and having multiple income streams. Aaron and Charlie also share their ideas for last-minute thrifty Christmas gifts. Do you have any thrifty Christmas ideas? Leave us your suggestions in the comments below, or join in on…

Millennials and retirement savings

For millennials, retirement can seem like a long ways a way. And you know what? It probably is: for the oldest millennials, retirement may still be 25-30 years down the road. But that doesn’t mean they don’t have to think about retirement for another 25-30 years. What is a “millennial”? The definition varies a bit, but…