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1. Don't Assume the Default 401(k) Contribution Is Enough
   Photo: Amy Hirschi (Unsplash) When you opened up your 401(k), you were probably presented with a few default options. Maybe your workplace automatically put 3% of your paycheck towards 401(k) contributions, for example. Maybe you were told that the company would match your contributions up to 5%, so you elected to cont
2. Protect Your Parents From Financial Scams
   Adults over 60 are losing billions to fraud each year. Here's how to prevent scammers from hurting your parents.
3. Qualities of the successful small business CFO
   Based on my experience, a few key qualities are needed to be a successful small business CFO.
4. What is a pre-authorization hold on my debit card?

   When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

   For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

   Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

   Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

   If you have questions, call Client Care at 1-800-731-2265.

5. Untangling Your Finances When You Divorce: Don’t Forget These Important Details
   Divorce is an emotional time for everyone involved, but neglecting diligent follow up can impact your finances.
6. How Inflation Is Impacting Retirees in 2025
   Inflation isn't going away any time soon, which can take a toll on retirees. This article explores why inflation is sticking around and how you can cope with its effects
7. 3 Tips for Investing in Your 50s
   The years in your 50s are pivotal ages on the road to retirement. At this stage of life, you may be making plans for how you'll spend your senior years and when you'll close out your career. You might also be grappling with college tuition payments for your children or other expenses that eat up a lot of your income. T
8. PPP is gone, but government help for small businesses isn't
   The federal government’s Paycheck Protection Program provided small-business owners with just under $800 billion in COVID-19 relief, according to the
9. What Does Your Ag Lender Look For?
   One of the best ways for a farmer to create a productive relationship with an ag lender is to know what they’re looking for.
10. Check Fraud is Up: 4 Steps to Protect Yourself
    Protect against check fraud. Pay by credit card, debit card, ACH transfer. checks are the most vulnerable. The safest check is one that’s not written.