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Equitrust Financial Group
570 Lake Cook Road Suite 101
Deerfield, IL 60015
847-317-0200 Phone
847-317-0214 Fax

This monthly newsletter may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. Equitrust Financial Group. and Osmosis Digital Marketing assume no liability whatsoever in connection with the use of this newsletter.

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Archive

Financial



VOL. 9, ISSUE 6   •   NOVEMBER, 2016
Saving on Holiday Hosting
Gift-giving is not the only expense of the holidays. Hosting can drain your bank account too, unless you take some steps to save money. READ MORE...


VOL. 9, ISSUE 6   •   NOVEMBER, 2016
When Does Food Really Expire?
You might be able to avoid wasting food -- and money -- by gaining a better understanding of what various food expiration dates really mean. READ MORE...


VOL. 8, ISSUE 8   •   JANUARY, 2016
What's the Deal with Credit Card Chips?
You probably have received new credit cards with microchip technology. But what's the difference between these and the old magnetic strip cards? READ MORE...


VOL. 8, ISSUE 8   •   JANUARY, 2016
Recovering from the Holidays
Most people go at least a little off-track financially over the holidays. Here's how to get on the road to recovery -- long-term and short-term. READ MORE...


VOL. 8, ISSUE 4   •   SEPTEMBER, 2015
Should You Buy a Home Warranty?
You know that a major home repair can put a major dent in your finances. But is a home warranty the answer? READ MORE...


VOL. 8, ISSUE 4   •   SEPTEMBER, 2015
Best Colleges for the Money
All colleges are not created equal. Here is a list of the schools that give students (and their parents) the best bang for their bucks. READ MORE...


VOL. 7, ISSUE 10   •   MARCH, 2015
Part-Time Retirement
What if you are not quite ready to retire completely? Here are some suggestions for easing into retirement. READ MORE...


VOL. 7, ISSUE 10   •   MARCH, 2015
Check Out These Bargain Destinations
Interested in seeing the world on a budget? Here are some places where your travel dollar will go further in 2015. READ MORE...


VOL. 7, ISSUE 7   •   DECEMBER, 2014
When to Choose Generic
Sometimes it pays to buy generic, and sometimes it does not. The trick is to know which is which. READ MORE...


VOL. 7, ISSUE 7   •   DECEMBER, 2014
Slicing Your Meat Budget
Meat can take a big bite out of your food budget. But you can cut your meat costs -- and eat healthier as well. READ MORE...


VOL. 7, ISSUE 3   •   AUGUST, 2014
Retiring on $30,000 a Year
Retirement has become much more challenging for many people as a result of the recession. But there are some places where you can live comfortably on $30,000 a year. READ MORE...


VOL. 7, ISSUE 3   •   AUGUST, 2014
What Do You Need to Shred?
You know that shredding is an important way to avoid identity theft. But you are drowning in paperwork. So what should you shred? READ MORE...


VOL. 6, ISSUE 9   •   FEBRUARY, 2014
Credit Card Hacking
If a credit card hacking incident is reported at a place where you shop, you should act quickly to protect yourself. READ MORE...


VOL. 6, ISSUE 9   •   FEBRUARY, 2014
Staging Your Home for Less
If you are selling your home, you can hire a home stager to make your home look its best. But if you don't want to or can't afford to do that, there are several things you can do on your own. READ MORE...


VOL. 6, ISSUE 8   •   JANUARY, 2014
Choices in Home Security
There are many options in home security systems, so how do you choose the right one for your family? READ MORE...


VOL. 6, ISSUE 8   •   JANUARY, 2014
Fixing Errors on Your Credit Report
So you ordered a copy of your credit report, and you have pored over it looking for errors. You found some. Now what do you do? READ MORE...


VOL. 6, ISSUE 5   •   OCTOBER, 2013
Beware of Obamacare Scams
Insurance exchanges under Obamacare take effect this fall, and scammers are using the new law to try to get personal information. READ MORE...


VOL. 6, ISSUE 5   •   OCTOBER, 2013
Tax-Unfriendly States for Retirees
When it comes to taxes that affect retirees, all states are not created equal. These 10 can hit retiree income the hardest. READ MORE...


VOL. 5, ISSUE 12   •   MAY, 2013
Spring Cleaning for Your Car
Your car can use a spring cleaning, to get rid of winter grime and get ready for warm-weather driving. READ MORE...


VOL. 5, ISSUE 12   •   MAY, 2013
A New Kind of Giving
You probably are familiar with the BOGO -- buy one, get one free -- sale. But some retailers are offering another kind of BOGO: Buy one, give one. READ MORE...


VOL. 5, ISSUE 10   •   MARCH, 2013
Understanding Flood Coverage
Images of flooded homes and the cleanup that follows can be heartbreaking. But many homeowners face another devastating reality: They do not have insurance coverage for their losses. READ MORE...


VOL. 5, ISSUE 10   •   MARCH, 2013
Saving Money on Entertainment
Going out might seem like a luxury. But with a little savvy and planning, you can fit entertainment into your budget. READ MORE...


VOL. 5, ISSUE 4   •   SEPTEMBER, 2012
Picking a Personal Trainer
A personal trainer can help you get and keep your fitness program on track -- but only if you choose the right trainer. READ MORE...


VOL. 5, ISSUE 4   •   SEPTEMBER, 2012
Improving Your Credit Score
There are several things you can do to improve your credit score -- and your financial picture. READ MORE...


VOL. 5, ISSUE 3   •   AUGUST, 2012
Finding a Job After 50
If you are over 50 and looking for a job, you know the challenges you face. But there are some things you can do to ease your path. READ MORE...


VOL. 5, ISSUE 3   •   AUGUST, 2012
Entrepreneurs Record Strong Growth
Entrepreneurs have been flourishing since the financial crisis, providing a bright spot in an otherwise gloomy picture of stubbornly high unemployment and slow growth. READ MORE...


VOL. 5, ISSUE 1   •   JUNE, 2012
Where the Jobs Will Be
If you think you might be looking for a job between now and 2020, your best bet is probably nursing. READ MORE...


VOL. 5, ISSUE 1   •   JUNE, 2012
Eating for Less on Vacation
Saving money on food can make your vacation more affordable. READ MORE...


VOL. 4, ISSUE 12   •   MAY, 2012
Computing in the Cloud
You no doubt have heard the buzz about computing in the cloud. But what exactly is the cloud, and what can it do for you? READ MORE...


VOL. 4, ISSUE 12   •   MAY, 2012
Monthly Bargain Guide
You know you can find something on sale any time. But certain items traditionally go on sale at certain times of the year. READ MORE...


VOL. 4, ISSUE 10   •   MARCH, 2012
Cars That Can Go the Distance
One of the best ways to avoid car payments is to get the most out of your vehicle. Here are some ways to help you get to 200,000 miles or more. READ MORE...


VOL. 4, ISSUE 10   •   MARCH, 2012
Shopping Estate Sales
An estate sale can be the perfect place to find anything from a new couch to deck furniture to baseball cards. You just need to know where -- and how -- to look. READ MORE...


VOL. 4, ISSUE 8   •   JANUARY, 2012
Resolutions for Your Financial Health
You probably made a New Year's resolution to get healthier. But you also should resolve to work on your financial health. READ MORE...


VOL. 4, ISSUE 8   •   JANUARY, 2012
Overlooked Retirement Towns
What retirees want is changing, and retirement destinations are changing with it. Here are some options you might have overlooked. READ MORE...


VOL. 4, ISSUE 7   •   DECEMBER, 2011
Avoiding Holiday Internet Scams
Tis the season to be on the lookout for a variety of holiday-inspired Internet scams. READ MORE...


VOL. 4, ISSUE 7   •   DECEMBER, 2011
Conducting an Effective Job Interview
Whether you own your own business or work in a supervisory capacity, you probably will find yourself conducting a job interview. There are things you can do to ensure that you find the best person for the job. READ MORE...


VOL. 4, ISSUE 6   •   NOVEMBER, 2011
Managing Holiday Expectations
The holiday season will be here before you know it, so now is the time to start managing expectations -- yours and those of your children, family and friends. READ MORE...


VOL. 4, ISSUE 6   •   NOVEMBER, 2011
Preparing Your Home for Winter
Winter is just around the corner, and it's time to make sure your house is ready for the cold and snow. READ MORE...


VOL. 4, ISSUE 2   •   JULY, 2011
Coping with the Financial Crisis
What can you do if the financial crisis left your portfolio in ruins? The best approach is to regroup and move on. READ MORE...


VOL. 4, ISSUE 2   •   JULY, 2011
Trimming Air Conditioning Costs
When the weather gets hot, you love your home air conditioner -- until you get the bill. But there are things you can do to keep your A/C from taking too big a bite out of your budget. READ MORE...


VOL. 3, ISSUE 11   •   APRIL, 2011
Helping Your Child Choose a Bank
Your child has a job or is heading off to college, and needs to open a bank account. There are lots of banks, with lots of offerings. How do you help your child cut through the clutter? READ MORE...


VOL. 3, ISSUE 11   •   APRIL, 2011
Best Value in U.S. Colleges
The Princeton Review and USA TODAY list the colleges that offer the best value. READ MORE...


VOL. 3, ISSUE 8   •   JANUARY, 2011
Keeping Your Computer Safe
There are some common-sense steps you should take to keep your computer data safe from high-tech thieves and con artists. READ MORE...


VOL. 3, ISSUE 8   •   JANUARY, 2011
The Yearly Review
Maybe your New Year's resolutions include more trips to the gym or less time on the BlackBerry. But you also should see if you need to make some New Year's resolutions in your financial life. READ MORE...


VOL. 3, ISSUE 7   •   DECEMBER, 2010
Wine Collecting
A growing appreciation for fine wines has led more Americans to become collectors -- for profit as well as for their own enjoyment. READ MORE...


VOL. 3, ISSUE 7   •   DECEMBER, 2010
The Value of Home Improvements
Home improvements can make your home more attractive and livable. But some home improvements also can pay off better than others when you decide to sell your house. READ MORE...


VOL. 3, ISSUE 4   •   SEPTEMBER, 2010
Saving on Car Rentals
Renting a car can add substantially to the cost of your trip. But there are some things you can do to help keep your costs down and end up with more money to spend on fun. READ MORE...


VOL. 3, ISSUE 4   •   SEPTEMBER, 2010
Where the Jobs Are
The nation's unemployment woes are serious and well-documented. But there are states where unemployment is low and opportunity is high. Most of these are states with small populations and diverse economies. READ MORE...


VOL. 3, ISSUE 1   •   JUNE, 2010
Using Your Credit Cards Abroad
Your credit card can be the easiest and safest way to pay for things when you travel abroad. However, there are things you can do to ensure that you don't pay more than you have to. READ MORE...


VOL. 3, ISSUE 1   •   JUNE, 2010
Best Cities for the Next Decade
Although most experts agree that the U.S. economy is strengthening, it is strengthening more quickly in some places than in others. The editors of Kiplinger's Personal Finance Magazine have identified the 10 U.S. cities that offer the best economic opportunities over the next decade. READ MORE...


VOL. 2, ISSUE 12   •   MAY, 2010
What Healthcare Reform Means for You
Healthcare reform caused heated debate and considerable hyperbole on both sides of the aisle in Congress. Now that the bill has become law, what does it mean for you and your family? READ MORE...


VOL. 2, ISSUE 12   •   MAY, 2010
Saving on Car Repair
Car repairs are always an inconvenience, and they can be a major financial hassle as well. But there are some things you can do to keep the costs down. READ MORE...


VOL. 2, ISSUE 11   •   APRIL, 2010
Making It Easier to Go Green
Making your home more energy-efficient can save money in the long run, but it can be a big expense upfront. The federal government, as well as state and local governments and utilities, have programs to ease the pain of going green. READ MORE...


VOL. 2, ISSUE 11   •   APRIL, 2010
Summer Jobs for Teens
Many teens start looking for summer work long before the season arrives. How can your child find a job that will be safe, interesting and at least reasonably profitable? READ MORE...


VOL. 2, ISSUE 10   •   MARCH, 2010
Credit Card Changes Take Effect
Most of the massive credit card reform act that was passed in 2009 took effect Feb.22, 2010, and those changes could have a big effect on your credit card bill. READ MORE...


VOL. 2, ISSUE 10   •   MARCH, 2010
Understanding the Toyota Recall
Toyota, which also makes Lexus, has recalled millions of cars. How do you know if yours is among them, and what should you do if it is? READ MORE...


VOL. 2, ISSUE 9   •   FEBRUARY, 2010
Safe at Home
The recession is good for the home-safe business. But if you want a safe to store your valuables, be sure to understand the options before you buy. READ MORE...


VOL. 2, ISSUE 9   •   FEBRUARY, 2010
Haiti and Internet Safety
The tragedy in Haiti has tapped the compassion of Americans, but it also has tapped the avarice of Internet scammers and identity thieves. Here are some things to watch out for to stay safe on the Net. READ MORE...


VOL. 2, ISSUE 7   •   DECEMBER, 2009
Year-End Financial Chores
Late December is about more than holiday parties -- it is the time to make sure you have tied up all your financial loose ends before the calendar turns to a new year. READ MORE...


VOL. 2, ISSUE 7   •   DECEMBER, 2009
Holiday Tips and Gifts
Holiday tipping and gifting can be confusing in the best of times. In economic times like these, it really can make you feel like Scrooge. Here's some guidance for spreading the cheer. READ MORE...


VOL. 2, ISSUE 6   •   NOVEMBER, 2009
Affordable Retirement Options
U.S. News & World Report offers a list of affordable retirement options you might not have thought of. READ MORE...


VOL. 2, ISSUE 6   •   NOVEMBER, 2009
Holiday Spending
The holidays can blow your budget out of the water. But with a little planning and discipline, you can stay solvent without coming off like Scrooge. READ MORE...


VOL. 2, ISSUE 5   •   OCTOBER, 2009
Getting Your House Ready for Winter
The days are getting shorter and the nights are getting cooler. Which means it is time to do a few things around the house, before winter comes in earnest. READ MORE...


VOL. 2, ISSUE 5   •   OCTOBER, 2009
Some Things Really Are Cheaper
Not everything is going up in price. In fact, several things cost less than they did a decade ago. READ MORE...


VOL. 2, ISSUE 4   •   SEPTEMBER, 2009
Protecting Your Travel Plans
You plan a second honeymoon or a family trip to Europe, and you make the necessary reservations and put down deposits. But what if you can't go? Can you get your money back? READ MORE...


VOL. 2, ISSUE 4   •   SEPTEMBER, 2009
Saving Energy and Money
You can add insulation or put in an energy-efficient furnace to save money on your energy bill. But even small changes in the way you live can make a big dent in your costs. READ MORE...


VOL. 2, ISSUE 3   •   AUGUST, 2009
Number of Millionaires Declines
If your portfolio is suffering from the global economic crisis, you are not alone: The recession has resulted in a precipitous decrease in the number of millionaires worldwide READ MORE...


VOL. 2, ISSUE 3   •   AUGUST, 2009
Teens and Credit
You thought once you had "the talk" with your kids, you were done with the important life lessons. But there is still one left: handling credit. READ MORE...


VOL. 2, ISSUE 2   •   JULY, 2009
The Real Cost of Diamonds
You know you can pay a lot for a diamond. But did you know that the true cost might be about more than money? READ MORE...


VOL. 2, ISSUE 2   •   JULY, 2009
Flying for Less
Air fares are one of the best travel bargains, but they still can add up, especially if you are buying more than one ticket. And besides, who doesn't want to save some money when they can? Here are some ways to pare your fare. READ MORE...


VOL. 1, ISSUE 12   •   MAY, 2009
The Return of the Kitchen Garden
Growing your own vegetables and herbs for the kitchen not only saves money; it provides better nutrition and taste. READ MORE...


VOL. 1, ISSUE 12   •   MAY, 2009
Recession Bargains
The difficulties of the recession are many and real. But, as so often happens, there is also a bright side: If you have money to spend, this might be a good time to buy some big-ticket items READ MORE...


VOL. 1 , ISSUE 11   •   APRIL, 2009
Advance Directives
You are used to being in charge of your life. Every day you make decisions regarding yourself, your family, your job, your finances. But what if you could no longer make those decisions? How can you make sure there is someone to speak for you, if you become unable to speak for yourself? READ MORE...


VOL. 1, ISSUE 11   •   APRIL, 2009
Online Money Sites
Some online sites can help you save money, manage money and understand money. READ MORE...


VOL. 1, ISSUE 10   •   MARCH, 2009
The Role of the Executor
Being executor of an estate is a big honor -- and a big responsibility. READ MORE...


VOL. 1, ISSUE 10   •   MARCH, 2009
Planning a Wedding for Less
Your child got engaged, and now you have a wedding to plan. How can you help create a lovely wedding without sending yourself to the poorhouse? READ MORE...


VOL. 1, ISSUE 9   •   FEBRUARY, 2009
Best Cities for Job Hunting
If you are looking for a job, head to Madison, Wis. Or Washington, D.C. Here are 10 places where there still are jobs to be had. READ MORE...


VOL. 1, ISSUE 9   •   FEBRUARY, 2009
Kids and Money
You are trying to teach your kids to be fiscally responsible, but you are not sure you are succeeding. How can you help your kids learn about money and prepare them for life ahead? READ MORE...


VOL. 1, ISSUE 8   •   JANUARY, 2009
Beneficiary Update
You probably named a beneficiary when you enrolled in a retirement plan or bought life insurance. But if you don't make sure your beneficiary forms are up to date, you could end up hurting the people you meant to help. READ MORE...


VOL. 1, ISSUE 8   •   JANUARY, 2009
Taking Inventory
Most businesses do it at least once a year. But should you also take inventory of what you own, in case you suffer a loss in a fire, flooding or other disaster? READ MORE...


VOL. 1, ISSUE 7   •   DECEMBER, 2008
Tips for Cutting Your Grocery Bill
If you are looking for ways to cut your spending in uncertain economic times, start by shopping smarter at the supermarket. READ MORE...


VOL. 1, ISSUE 7   •   DECEMBER, 2008
Career Coaches
Coaches aren't just for Little League anymore. A career or life coach can help you determine where you want to go with your career, and how to get there. READ MORE...


VOL. 1, ISSUE 6   •   NOVEMBER, 2008
Keeping to a Holiday Budget
Filled with the spirit of the season, you spend like Santa, and then you feel like Scrooge when you get the bills. But a little planning and self-control can keep you within budget on everything from gifts to cards to entertaining. READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2008
Age-Restricted Housing
As Baby Boomers age, they are driving the growth of age-restricted housing developments, especially in places you might not expect. READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2008
Online Banking
Online banks don't offer coffee and cookies in the lobby, because there is no lobby. But you don't have to wait for a teller, and you may get higher interest rates, better terms and lower fees. READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2008
Working from Home
Working from home sounds like a dream come true. And it can be -- as long as you know what you are getting into before you commit. READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2008
Do Extended Warranties Make Sense?
When you buy an appliance or an electronic item, the salesperson probably asks if you want to buy an extended warranty. Should you say yes? READ MORE...


VOL. 1, ISSUE 3   •   AUGUST, 2008
Best Places to Start a Business 2008
If you already have or are just planning to start you own business, you know that you are looking not only for financial opportunities, but also for an opportunity to create the kind of life you want. Fortune Small Business magazine has released a list of the best places in the United States to live and start a business READ MORE...


VOL. 1, ISSUE 3   •   AUGUST, 2008
Retirement Confidence Drops
The confidence of workers and retirees that they will able to afford a comfortable retirement is at its lowest level in years. READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2008
Gas: Guzzling or Sipping?
Using less gas helps your wallet and the environment. So what can you do to improve your mileage -- and your financial picture? READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2008
Think Globally, Buy Locally
Although the phrase is thrown around a lot, it is not often you find an actual win-win situation. But you really can get better value, keep your family safer and healthier, and help save the planet, all by taking a trip to the local farmer's market or food co-op. READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2008
The Role of the Fed
The Federal Reserve is charged with trying to keep the U.S. economy in balance. But how can it affect whether things go boom or bust? READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2008
Second Acts
You don't want to keep working at your current job forever, but you aren't sure you are ready to play golf all day. Maybe you are ready for a second act to your work life -- a new career that will keep you busy and fulfilled. READ MORE...


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