Top 10 Considerations When Choosing Your New Neighborhood

Smart Solutions: Helping You Reach Your Financial Goals

Welcome to Smart Solutions from Commerce Bank. As part of our commitment to helping you reach your financial goals, we offer valuable information and practical advice designed to give you better control and guidance with your personal finances. Let Smart Solutions help you with your future financial decisions.

Top 10 Considerations When Choosing Your New Neighborhood

May 2016 - City or suburb? Close proximity to work or walkable neighborhood? Your home's location will play a big role in your everyday life, so it’s important to consider all of the features that come with a new neighborhood and evaluate how they may serve your lifestyle before deciding where to buy. Read More >

College Versus Retirement: How to Set Your Saving Priorities

April 2016 - Many experts recommend that you have at least $1 million saved to retire comfortably.1 And many recommend setting aside $40,000 to help cover the costs of a public-college education — or $80,000 for a private college.2 Read More >

Five Ways to Save More, Starting Now

March 2016 - When you’re working toward important financial goals, every penny counts. Read More >

The ABC’s of HSAs

February 2016 - With the Affordable Care Act, more people than ever can choose a Health Savings Account (HSA) as part of their healthcare coverage. Read More >

What Does Market Fluctuation Mean to You?

December 2015 - The past few months have demonstrated with clarity that the stock market can be a roller coaster. Read More >

What if Your Debit Card is Compromised?

October 2015 - You hear it on the news as you’re driving home: A store where you shopped last weekend had a data breach. Information on millions of debit cards, possibly including yours, could have been stolen. Read More >

Enhanced Fraud Protection: Understanding Chip Debit Cards

October 2015 - Maybe you’ve already noticed when you are checking out at your local retailer — the card terminals have changed. Similarly, if you haven’t already received a new debit or reloadable prepaid card embedded with a computer chip, you probably will soon. Read More >

Is Your Life Insurance Keeping Up with Your Life?

September 2015 - Life changes fast, and those changes often entail new children, new homes and new jobs that make the adventure particularly rewarding. But as life keeps getting better, how is your life insurance coverage stacking up? Read More >

Saving Strategies for Every Generation

September 2015 - The need to save money for the future is something that transcends age and generation. But each generation's financial goals and saving priorities look a little different. Read More >

Before You Purchase that Pre-Owned Car…

August 2015 - You’ve made the big decision to buy a new vehicle — or at least, one that’s new to you. Purchasing any vehicle can be a complex process and going pre-owned means you have an added set of factors to consider. Read More >

Why It’s Important to Know Your Credit History

June 2015 - You probably know that any time you apply for a mortgage loan or a credit card, the lender will consider your credit score in their decision-making. Not only does a better (higher) score increase the likelihood of getting approved, it might also lower your potential interest rate. Read More >

Three Reasons Why Sending Your Kids to College Is Still Worth It

April 2015 - With college tuition skyrocketing to more than $22,000 a year and student loan debt averaging $25,000 per graduate, both parents and students are left asking: Is higher education still worth it?
Read More >

Buy, Refi, or Wait? Tips for Making a Decision

March 2015 - Mortgage rates are the lowest they’ve been in more than a year and a half. And that’s causing many people to jump off the fence and into a mortgage purchase or refinance. But is it the right move for you? Read More >

The ABCs of Home Equity

March 2015 - Now that the U.S. housing market is on the rebound, it’s a question on many a homeowner’s mind: How much equity do I really have in my home? And more importantly, with spring renovation season just around the corner — how much of it can I borrow? And is this the best way to finance a home improvement or large purchase? Read More >

Why Your Emergency Fund is More Important Than Ever

February 2015 - Let's face it. We just can't predict what the future will hold, especially in today's uncertain economy. Having a financial cushion for the unexpected — losing a job or incurring unplanned medical expenses — just makes good financial sense. Read More >

Managing Your Money Is Easier Than Ever

January 2015 - If you haven't tried Online Banking yet, maybe it's because you don't know all the benefits it can offer. So here's a quick review - just in time to give your money management a fresh start for the new year! Read More >

Four Reasons to Try Mobile Banking

December 2014 - By 2018, half of the U.S. adult population is projected to use smartphone banking.1 If you haven't hopped on the mobile banking bandwagon yet, now is a great time to start, as features just keep getting better. But if you're still on the fence, consider these four advantages. Read More >

'Tis the Season for Safe Holiday Shopping

November 2014 - In this issue of Smart Solutions, we explain the latest precautions to take whether you're shopping in store, online or via your smartphone, plus how to get peace of mind with helpful identity theft tools. Finally, we offer some tips to keep your holiday budget on track. Read More >

Budgeting for Holiday Expenses

November 2014 - Whether it's for food, festivities or fun, holiday spending can add up fast. So we've outlined some ways you can save money while still making your celebrations festive. Read More >

Make Doing Good Feel Even Better

October 2014 - Not only is giving to a worthy cause personally satisfying, it can help offset your tax load too.* With the giving season starting soon, here are some ways to get your ducks in a row before tax time rolls around. Read More >

Taking Care of your Most Precious Assets - Your Family

September 2014 - Have you checked your life insurance policy lately? Are you just married or a new parent? These types of life events are an important time to review your future financial needs. Read More >

Financial Care for Aging Family Members

September 2014 - As your parents or other close family members get older, it's natural to start thinking about their healthcare needs. But it's just as important to consider their financial wellbeing. Read More >

Pre-Paid Cards - a Safer Way to Pay

August 2014 - Prepaid cards are growing in popularity as an alternative to cash, debit cards and other forms of payment. But many people don’t know much about them. To help you get in-the-know and decide if this financial management tool is for you, consider these four quick facts. Read More >

Two Ways to Leverage Your Home's Equity

July 2014 - Are you looking for ways to finance an upcoming major purchase or other expense? Maybe you're thinking about home improvements, planning a wedding or consolidating debt. Whatever your need, the equity in your home may provide a perfect solution. Read More >

Financial Planning Tips for College Students and Summer Travelers

June 2014 - This summer, many incoming college freshmen are excitedly packing their bags — as parents nervously hand over their credit cards. If you have a child heading off to college soon, we have three important lessons you can teach your student about handling money smartly when he or she arrives. Another place where smart money management matters is on the road, so we're also sharing five tips to help keep your money safe when you travel. Read More >

Five Tips for Protecting Your Money While on Vacation

June 2014 - Summer vacation is a time to relax and make memories. But a pickpocket or identity thief can quickly turn your trip into a stressful one you'd rather forget. To avoid that possible fate, follow these five tips for convenient and secure management of your money while you’re on the road. Read More >

Should You Remodel or Relocate?

March 2014 - Upon the realization that their house no longer fits their needs, homeowners are faced with two choices: remodel or relocate. Until recently, both options might have been considered a financial risk for many homeowners. But 2013 saw the strongest gain in home prices in eight years,5 giving owners the confidence — and the equity — they need to make their next move. If your current property falls short of your dream home, answer the following questions to help determine if it’s time to break out the toolbox or the moving boxes. Read More >

Are You Making These Common Retirement Mistakes?

February 2014 - In today’s uncertain economic times, retirement is a hot topic. Many Americans are concerned they will not be able to save enough to retire comfortably — or at all. Increase your chances of achieving your retirement goals by avoiding these three common mistakes. Read More >

Top Three Financial Resolutions

January 2014 - The start of a new year is the perfect time to review where you have been and where you would like to be. That’s why every January, nearly half of all Americans resolve to improve their lives in some way, and about half of those resolutions relate to money. Read More >

Recover From Holiday Spending

January 2014 - In today’s uncertain economic times, retirement is a hot topic. Many Americans are concerned they will not be able to save enough to retire comfortably — or at all. Increase your chances of achieving your retirement goals by avoiding these three common mistakes. Read More >