Conference gives women financial tips, confidence
News from Daily Athenaeum:

The West Virginia University Erickson Alumni Center hosted the 29th annual Women & Money conference Thursday morning for more than 100 women eager to learn how to have a successful financial future.

The conference was designed to empower the attendees to make smart financial decisions. Presentations at the event covered topics like retirement, getting out of debt, saving for college and creating a balanced budget.

West Virginia State Treasurer John Perdue said he brought the series to Morgantown to reach University students.

“I think it’s critical that students start learning at a very young age about how to put a budget together, that a credit card is not their answer and a new car when they get out of college is not their answer,” Perdue said.

“They have to figure out how to manage their money and save for their future. By doing that, they would be able to take care of themselves in those later years of life.”

The Morgantown event was the first to feature two new keynote speakers of the series, Candace Bahr and Ginita Wall.

Bahr has been named one of the top ten financial advisors by Registered Rep., a leading financial industry magazine.

She is the managing partn…………… continues on Daily Athenaeum

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Tips On Borrowing Responsibly
News from Sacramento Bee:

/PRNewswire/ — At some point, most everyone will need to borrow money, whether it’s for school, a car, a home, a business, or to meet daily expenses during a personal financial downturn. Of course, how that money is borrowed and how it is paid back can make a big difference in the total cost and a person’s overall financial standing.

“Knowing how, when, and how much to borrow can be difficult to determine,” said Mary Brockhaus, Senior Vice President, M&I, a part of BMO Financial Group. “But a little research and planning can go a long way to ensuring responsible borrowing and personal financial health.”

 Brockhaus offers some advice on responsible borrowing and how to make sense of the options available.

  • Know your credit score. This number is vital, and will often determine whether you can borrow money, how large a loan you can secure, and what interest rate you’ll pay. Creditors will look at this score to gauge your ability to pay back a loan. It’s made available via three main agencies: TransUnion, Equifax and Experian. Credit reports from these agencies should be checked regularly to ensure accuracy.
  • Manage your credit score. There are many factors that play into a credit score, including your credit history, outstanding debts and your tota…………… continues on Sacramento Bee

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