Univest
Over the past few months, you may have heard talk of a possible market correction. So, what is a correction? It is a negative drop in a stock, bond, or index to adjust for an overvaluation. The key to surviving these market pullbacks is first realizing they are often unpredictable or undecipherable, and, second, making a plan while you are still objective and unemotional – then sticking to it. While current fundamentals of the stock market do not suggest a correction is on the horizon, more than 600 trading days have passed since the S&P 500 experienced a 10% retreat and some conjure from a historical perspective that one may be “overdue”.

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You probably get regular maintenance on your car, have routine checkups with your doctor and maybe even do a yearly spring cleaning of your home. But how often do you review your will? Even if you don’t have a lot of assets, a will can be an important estate planning tool for ensuring your loved ones are provided for as you wish. But for your will to do its job, it needs to be periodically reviewed and kept up-to-date.

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Univest
For our third Caring for Community Giveaway of 2014, we have teamed up with Suburban One Sports to find a local Athletic Department that deserves a $1,000 prize.

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Last month we broke ground on a new office in Newtown that will be the first Univest financial center to feature our complete redesign. The unveiling of this new prototype represents our commitment to the customer experience with the latest technology and skilled personal bankers to advise and serve customers.

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In a commissioned study conducted by Forrester Consulting in 2013 on behalf of LifeLock, adults 18 and older were surveyed online. We compared the general population to people who identified themselves as new homeowners within the last 12 months with those who said they were victims of identity theft for a closer look at what may cause risk after this big purchase.

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Univest
As women, we do our best to exercise, eat a healthy diet and dutifully schedule our routine medical check-ups. It’s important for us to look and feel our best, and many of us spare no expense to get the desired results – more than $7 billion a year is spent on cosmetic products in the United States. And, that figure doesn’t include money we spend on laser treatments, injections or even surgeries to look good and defy the aging process. Don’t get me wrong, I think we all deserve to look and feel good while living a happy, healthy lifestyle. In fact, all our efforts are paying off. We could easily live to be 90 or even 100. My question to you is this – can you afford to live that long?

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Univest
As I mentioned in my previous blog post, Univest takes strict measures to protect your personal information, but it is also important for you to monitor your account activity for any suspicious or unauthorized charges. We offer a variety of tools to help you prevent or deter incidents of fraud and identity theft, including:

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Univest
The average American will work for seven employers during the course of their career. While aspiring to find the perfect job, a 2010 study showed that 50% of workers leave a trail of old 401(k) accounts behind. In fact, there are more than 15 million orphaned 401(k) accounts representing more than a trillion in investment dollars. So what should you do if you have an old 401(k)?

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Univest
A study conducted by The Vanguard Group in March of this year found that investors who utilize the services of an investment advisor can add 3% or more to investment returns versus do-it-yourself investors. The study, “Putting a Value on Your Value: Quantifying Vanguard Advisors Alpha,” examined the value an investment advisor brings to investment returns. The study found that there are five factors influencing this extra return:

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Univest
From the Target security breach to Russian hackers, the news has been inundated with reports of fraud and identity theft. These crimes are on the rise and pose a valid concern for consumers. So, how does fraud happen? And, what do we do to protect our customers?

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Thinking about getting your first credit card? Or, maybe you have a child headed off to college? Here are some tips to make your first credit experience a step toward a strong financial future.

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Millions of freshmen are about to embark on what may be the most exciting experience in their lives so far. Along with making new friends and picking classes, many of these students will also need a crash course in financial responsibility. Here are five tips to help budding scholars make smart decisions about money.

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