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Banker: Economy Recovering But Employment Lags Behind

univestUnivest Senior Vice President of Investments Bill VanSant says the economy is recovering, and confidence is slowly coming back, but employment still lags behind profits and many workers are afraid of losing their jobs. He says people in that position should increase their cash reserves.

“Typically I recommend about six to eight months of expenses in the bank, but for someone in that position a bit more, perhaps two years, but it also depends on the budget.  I will often preach trying to get someone to get rid of their debt.  Naturally people are going to have a mortgage, and it would be nice to pay it off with one check, but they might not have the ability to do it.  What I don’t like to see are individuals that have other non-home-based loans.”

VanSant says too many people have too many credit cards, but more have been paying down their balances over the last couple of years, probably in part because of the tight credit market.  He appeared Wednesday on the WNPV talk program Comment Please by Univest.
WNPV AM 1440 Tune in on Thursday at 11:10 AM when Ria Gilday will host Ashley Hasselberger from Prevagen who will discuss "Improving your Brain Power." Call in with questions: 215-855-8211.
WNPV AM 1440 We need to convince these affluent shoppers to spend their dollars with our locally owned and operated stores instead of using Amazon, etc. Join WNPV's "Shop Locally for the Holidays" campaign by calling 215-855-8211 or emailing We'll show you how inexpensively you can advertise for the holidays with a local business that caters to local businesses and local listeners!
The Affluent Have Already Started Shopping For The Holidays It's early October, and affluent shoppers are already quietly shopping for the holidays. As affluents can be defined in many different ways, in today's column we will focus on the following three affluent market segments and their holiday shopping plans.
WNPV AM 1440 Tune in at 11:10 AM today for financial advice from George Toth on "Regarding Your Money." Call in with your questions to 215-855-8211.
WNPV AM 1440 Due to the weather, the 42nd Apple Butter Frolic scheduled for tomorrow has been changed to a take-out food event only. The Pennsylvania German food that the Frolic is known for (apple butter, scrapple, barbecue, pies, chicken potpie, green beans and ham, and more) will be available for sale at the tent set up on the driveway of the Mennonite Heritage Center, Yoder Road, Harleysville.
WNPV AM 1440 North Wales Community Day in Weingartner Park, North Wales, on Saturday, October 3, 2015, has been cancelled due to the predicted inclement weather.
WNPV AM 1440 I think we all know that men and women shop differently ... but how differently?
How your buying behavior can predict your gender It's not just your imagination. There are a flurry of ways in which men approach shopping differently than women.

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