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Posts A “Slow” Approach to Car Buying (June 9, 2025) A Breakdown of the Costs Associated with Weddings (June 16, 2025) A Fresh Look at Food Expenses (April 21, 2025) A Network to Advocate for Your Child (August 25, 2025) A Path to Intentional Spending (April 28, 2025) A Pre-Wedding Checklist (June 16, 2025) Active Versus Passive Investing (October 6, 2025) Adopting a Money-Smart Mindset (April 21, 2025) Age-Based Saving Strategies (September 1, 2025) Aligning Our Spending and Values (April 28, 2025) Applying for Aid (September 8, 2025) Applying for Scholarships (September 15, 2025) Are Some For-Profit Universities Scams? (July 21, 2025) Are You Really Saving With a Sale? (July 8, 2025) Assessing Your Plan: Key Milestones (September 29, 2025) Assessing Your Skills (May 26, 2025) Asset Allocation: Growth and Preservation (October 6, 2025) Auto Insurance (August 18, 2025) Avoiding Common Mistakes When Buying a Car (June 9, 2025) Avoiding Common Social Security Mistakes (October 20, 2025) Avoiding Pyramid Schemes (July 21, 2025) Avoiding Scams While Serving (May 19, 2025) Avoiding Unnecessary Add-Ons (July 8, 2025) Balancing College Savings with Other Goals (September 1, 2025) Boomerang Kids: How to Help Them (August 11, 2025) Boosting and Protecting Savings in Your 50s (September 29, 2025) Borrowing Wisely (September 8, 2025) Budgeting and Saving in the Military (May 19, 2025) Budgeting During Unemployment (May 5, 2025) Building Financial Security (August 25, 2025) Calculating Return on Investment (September 22, 2025) Can Student Loans Become a Debt Trap? (April 6, 2025) Celebration Options for Every Budget (June 16, 2025) Choosing Your Path (September 22, 2025) College Savings Accounts (September 1, 2025) Common Money Mistakes of Young Adults (August 11, 2025) Communicating With Aging Parents About Money (July 28, 2025) Conducting a Scholarship Search (September 15, 2025) Congratulations to Domenic Vero – 30 Under 30 Honoree! (February 18, 2025) Conspicuous Consumption - Does It Make You Happy? (April 28, 2025) Consumer Protection: Which Option is Best? (June 30, 2025) Cornerstone Presents Buffalo Philharmonic Orchestra at Historic Palace Theatre for Lockport’s Bicentennial (July 24, 2025) Crafting a Compelling and Effective Resume (May 26, 2025) Creating a Financial Home (August 4, 2025) Defaulted on a Student Loan - Now What? (July 14, 2025) Dental, Vision, and Hearing Care (October 13, 2025) Disability Insurance (August 18, 2025) Discussing Your Strengths and Weaknesses (May 26, 2025) Education Loans (September 8, 2025) Effective September 30, 2025, the U.S. Department of the Treasury will no longer issue paper checks for most federal payments. (August 29, 2025) Eldercare Introduction (July 28, 2025) Embracing Opportunities and Rebuilding Confidence (May 5, 2025) Essentials of Elder Law (July 28, 2025) Estate Planning Basics (August 25, 2025) Etiquette in Customer Service (May 12, 2025) Etiquette in Digital Communications (May 12, 2025) Event Etiquette (May 12, 2025) Everyday Pressures to Spend (July 8, 2025) Exploring New Career Paths (May 5, 2025) Exploring Today's Most Promising Opportunities (May 26, 2025) Financial Goal-Setting (April 28, 2025) Financial Planning and Adult Education (September 22, 2025) Financial Priorities Across the Decades (April 28, 2025) Financing a Car Purchase (June 9, 2025) Finding a Fulfilling Career (May 26, 2025) Finding the Credit Card for You (June 30, 2025) Finding Your Negotiation Style (June 23, 2025) Forces That Drive Our Spending Behavior (April 28, 2025) Fraud and Scams in Retirement (October 27, 2025) Funding Adult Education (September 22, 2025) Getting Married (August 4, 2025) Gig Jobs and Side Hustles: Earning for Saving (June 2, 2025) Guard Your Wallet: Beware of Today's Top Financial Scams (July 19, 2024) Guardianship vs Power of Attorney (August 25, 2025) Health Insurance for Early Retirees (October 13, 2025) Health Savings Accounts for Retirement (October 13, 2025) High-Interest Loans and Other Alternative Services (April 6, 2025) Home Threatened With Foreclosure - Now What? (July 14, 2025) Homeowners Insurance (August 18, 2025) How College Savings Affects Financial Aid (September 1, 2025) How Credit Cards Can Become a Debt Trap (April 6, 2025) How Debt Can Become a Trap (April 6, 2025) How Investment Fees Affect Returns (October 6, 2025) How is a Gig Job Different Than a Traditional Job? (November 9, 2025) How to Avoid Hidden Fees (June 11, 2025) How to Avoid Hidden Fees (June 9, 2025) How to Create a Letter of Intent (August 25, 2025) How to Minimize Taxes on Your Benefits (October 20, 2025) How to Negotiate the Best Price on a Car (June 23, 2025) How to Negotiate the Price of a Home (June 23, 2025) How To Prosper While Serving Your Country (May 19, 2025) How to Raise a Saver (August 11, 2025) How To Save for Your Wedding (June 16, 2025) How to Smooth Income Variation With Savings (April 14, 2025) How to Stay Financially Fit (May 19, 2025) How to Talk About Money in the Workplace (May 12, 2025) How to Write an Effective Business Plan (November 2, 2025) Implications of Participating in the Gig Economy (November 9, 2025) Inflation and Retirement (October 27, 2025) Integrating Insurance Into Your Financial Plan (August 18, 2025) Introduction to Gig Economy (November 9, 2025) Introduction to Negotiation (June 23, 2025) Is Bankruptcy a Solution to Debt Trap Trouble? (April 6, 2025) Is Entrepreneurship Really For Me? (November 2, 2025) Jobs That Come With Variable Income (April 14, 2025) Joint Financial Accounts (August 4, 2025) Keeping Engaged When Unemployed (May 5, 2025) Keeping More of Your Money (April 21, 2025) Knowing When to Retire from the Military (May 19, 2025) Lessons Kids Need to Build a Financial Foundation (August 11, 2025) Life Insurance (August 18, 2025) Loan Repayment and Forgiveness (September 22, 2025) Making the Most of Retirement Accounts (October 6, 2025) Making the Most of Scholarships (September 15, 2025) Managing Cash Flow in Retirement (July 28, 2025) Managing Debt as a Couple (August 4, 2025) Managing Money in Retirement (September 29, 2025) Mastering the Modern Job Search (May 5, 2025) Maximizing College Savings (September 1, 2025) Maximizing Your Savings with the Right Accounts (June 2, 2025) Medicare 101 (October 13, 2025) Medicare Advantage Versus Medigap (October 13, 2025) Money and Children (August 4, 2025) Money and Relationships (August 4, 2025) Navigating Difficult Conversations (May 12, 2025) Navigating Natural Disasters (July 14, 2025) Navigating the Subscription Economy (July 8, 2025) Navigating the Ups and Downs of Variable Income (April 14, 2025) Negotiating Your Purchase (June 9, 2025) Non-Cash Payment Options (June 30, 2025) Online Business Opportunity Scams (July 21, 2025) Pay Yourself First and Make It Automatic (June 2, 2025) Paying for Long-Term Care (October 13, 2025) Prepaid Cards (June 30, 2025) Preparing for Car Ownership Expenses (June 11, 2025) Preparing for Ownership Expenses (June 9, 2025) Preparing Kids for a Lifetime of Financial Success (August 11, 2025) Preserving Your Child's Financial Future (August 25, 2025) Pros and Cons of Gig Jobs (November 9, 2025) Protecting Your Health and Retirement (April 14, 2025) Protecting Your Parents’ Finances (July 28, 2025) Protecting Your Portfolio in Retirement (October 27, 2025) Protecting Your Retirement (October 27, 2025) Question Your Habits and Save (April 21, 2025) Ready, Set, Launch? (November 2, 2025) Renters Insurance (August 18, 2025) Researching Your Options (June 9, 2025) Retirement Saving for Any Age (September 29, 2025) Romance and Relationship Scams (July 21, 2025) Saving Everyday: Tips for Cutting Costs (June 2, 2025) Saving Money With Your Car and Home (April 21, 2025) Saving Strategies: Building a Solid Foundation (June 2, 2025) Saving While Serving (May 19, 2025) Scholarship Basics (September 15, 2025) Scholarship Etiquette (September 15, 2025) Securing Your Financial Future (August 4, 2025) Senior Investment Scams (July 21, 2025) Setting the Stage for Spending (July 8, 2025) Short and Long-Term Financial Needs (August 25, 2025) Small Steps, Big Impact: Making a Difference Locally (May 10, 2024) Smartphone Payments (June 30, 2025) Social Security Basics (October 20, 2025) Spousal and Survivor Benefits (October 20, 2025) Successfully Marketing Yourself to Employers (May 26, 2025) Supercharging Retirement Savings in Your 40s (September 29, 2025) Surprises to Avoid (July 28, 2025) Tackling High-Interest Debt (April 21, 2025) Target Date Mutual Funds (October 6, 2025) Tax Implications of Freelance Work (November 9, 2025) Tax-Efficient Withdrawal Strategies (October 27, 2025) Teaching Your Teen About Money (August 11, 2025) The Art of Salary Negotiation (June 23, 2025) The Basics on Finding Financing (November 2, 2025) The Bottom Line on Negotiation (June 23, 2025) The Challenge of Medical Care (October 13, 2025) The Emotional Rollercoaster of Job Loss (May 5, 2025) The FAFSA Simplification Act (September 8, 2025) The Financial Challenges of Deployment (May 19, 2025) The Financial Life of a Freelancer (April 14, 2025) The Financial Life of an Hourly Retail Worker (April 14, 2025) The Gig Economy: Sustainable and Secure? (November 9, 2025) The Power of Networking (May 26, 2025) The Psychology Behind Effective Negotiation (June 23, 2025) The Psychology of Saving (June 2, 2025) The Psychology of Saving: Building a Nest Egg (April 28, 2025) The Psychology of Scams (July 21, 2025) The Psychology of Selling (July 8, 2025) The Rising Costs of Higher Education (September 1, 2025) The Role of College Today (September 8, 2025) The Role of Etiquette in the Workplace (May 12, 2025) The Savings Snowball: Reducing Debt for Saving (June 2, 2025) The True Cost of Subscriptions (April 21, 2025) Thriving After Unexpected Job Loss (May 5, 2025) Together We Raised $27,000 for the Community! (August 29, 2024) Transitioning to Retirement in Your 60s (September 29, 2025) Types of Credit Cards (June 30, 2025) Types of Financial Aid (September 8, 2025) Types of Legal Structures to Consider (November 2, 2025) Types of Scholarships (September 15, 2025) Umbrella Insurance (August 18, 2025) Understanding Financial Need (September 8, 2025) Understanding Longevity Risk (October 27, 2025) Understanding Risk Tolerance (October 6, 2025) Understanding Today's Scams (July 21, 2025) Understanding Underwater Mortgages (April 6, 2025) Understanding Wedding Insurance (June 16, 2025) Understanding Your Benefits and Eligibility (October 20, 2025) What Etiquette Says About You (May 12, 2025) What to Ask Yourself Before You Start a Business (November 2, 2025) When Free Isn't Really Free (July 8, 2025) When to Claim Social Security (October 20, 2025) When Your Parents Can No Longer Live Independently (July 28, 2025) Why Continuing Education? (September 22, 2025) Why Investing Strategies Matter (October 6, 2025) Why Set Wedding Planning Priorities? (June 16, 2025) Working While Receiving Social Security (October 20, 2025) You Have Bad Credit - Now What? (July 14, 2025) You Just Lost Your Job - Now What? (July 14, 2025) You're a Victim of Identity Theft - Now What? (July 14, 2025) Your 20s and 30s: Retirement Foundations (September 29, 2025) Your Responsibilities as an Employer (November 2, 2025) Your Spending Behavior Influences Your Children (August 11, 2025) Your Wedding, Your Priorities (June 16, 2025) Pages About (September 18, 2024) Annual Report (December 2, 2024) Become A Member (December 3, 2024) Business (September 18, 2024) Community Cornerstone Celebrating those doing good in WNY (December 2, 2024) Community Day Confirmation (May 15, 2025) Cornerstone Card Connect Privacy Notice (September 17, 2025) Cornerstone Community Day (April 4, 2025) Cornerstone Community Impact Foundation (November 11, 2025) Disclosure, Terms & Conditions (December 12, 2024) First Time Home Buyer Seminar Registration (March 2, 2025) Fraud Alert (August 20, 2025) Home (September 17, 2024) Medicare and Social Security Seminar (October 9, 2025) Member Kit (December 4, 2024) News and Financial Wellness Center (December 3, 2024) Partner with Cornerstone (August 1, 2025) Personal (September 18, 2024) Privacy Notice and Disclosure (December 12, 2024) Privacy Policy (September 17, 2024) Resources (September 18, 2024) Security Center (December 2, 2024) Site Map (February 18, 2025) Support / Contact Us (December 12, 2024) Wires (December 2, 2024) Commercial Real Estate Projects Products Auto & Recreational Vehicle Loans (December 12, 2024) Checking Accounts (October 9, 2024) ClickSWITCH & Direct Deposit (October 9, 2024) Credit Cards (October 9, 2024) Current Rates (October 9, 2024) Debit Cards (October 9, 2024) Deposits (December 18, 2024) Freedom Equity Home Equity Loan (October 9, 2024) Investment & Retirement Services (October 9, 2024) Loan Calculator (October 9, 2024) Loans (December 18, 2024) Mortgage Loan (October 9, 2024) Online Banking (October 9, 2024) Personal & Debt Consolidation Loans (October 9, 2024) Savings Accounts & Certificates (October 9, 2024) Skip a Payment Program (October 9, 2024) Snap Deposit & Night Depository (October 9, 2024)