VCNB Introduces New Business Checking Experience

JCBC Billboard - Not Your Average (BUSINESS CHECKING) - (Jackson Digital)

Here at VCNB we have been serving businesses both big and small since 1867. That experience has taught us a thing or two about business customers and their needs. For one thing, we understand that every business is unique and that literally no two are alike. We also believe that there’s no such thing as an average business customer and that our customers shouldn’t have to settle for an average business checking account.

That’s why we have developed a new kind of business checking experience with Business Rewards Checking and Business Rewards Checking Plus. Both accounts allow you to earn UChoose Reward® Points for purchases made with a registered debit card and for other types of banking habits. These reward points can be redeemed for cash back to your checking account.

A number of features come free with both accounts including Business Mobile Banking and Bill Pay, Basic Business Online Banking, Account Alerts, Electronic Statements, Telebanc Services, Charge Orders, Sage Payroll Services powered by Paychoice®, Merchant Services and Lock Box Services.

Earning rewards is easy with these accounts! For example, earn one point for every $3 spent with your Business Debit Card. Earn 200 points for 21 or more purchases per cycle as well.  Also earn one point for every dollar spent with a VCNB Business Visa® Platinum credit card. One time sign up bonuses are offered for a number of products including Positive Pay, Remote Deposit Capture and Sage Payroll Services Powered by Paychoice.

And now for a limited time, open a Business Rewards Checking Account or Business Rewards Plus Checking Account and earn 10,000 bonus points. Open a Visa Business credit card and earn an additional 10,000 points. Offer ends 12/31/2018.

Want to learn more about these new business accounts, a VCNB Business Visa Platinum credit card or about this limited time special offer? Click here for information. 

View full terms and conditions here.

 

Kids and Money: Seven Tips

As community bankers we frequently visit classrooms to talk about banking and money management.

For the little kids we focus on the difference between needs and wants and on the importance of saving money. For the teens we talk about more complex topics like how banks and credit works. We talk to them about what happens when you borrow money, why everyone needs a checking account and what credit scores mean.

We do this because we believe financial education is important and we are happy to provide this service to youngsters and young adults in our communities. However, we hope that parents will spend some time educating their kids about these topics as well. Here are seven tips to get you started.

Teach them about saving. Whether it’s a piggy bank, a clear glass jar or a passbook savings account, teach your kids to save money and to be excited about seeing it grow. Talk to them about how saving money means they’ll have funds for something they really want or need in the future.

Talk about the difference between needs and wants.   This is a lesson that a lot of adults could use as well. In talking to third graders with our Teach Kids To Save program, we find that they have an excellent grasp on what they need and what they want. They need a pair of shoes. They want the kind that light up when they walk. By the time they’re in high school, we find it’s often harder to get them to admit they don’t need the latest iPhone.

Talk about the cost of things. As you’re grocery shopping or making decisions about purchases, initiate a conversation about why you are buying the off brand canned goods or how buying in bulk saves money in the long run. Help them understand that even the small purchases call for decision making.

Give them a chance to earn money – Whether to give allowance or pay for chores is a personal decision each family must make. We will say that there is wisdom in providing kids with the opportunity to manage money they had to earn. Modest pay for chores or allowance gives them the chance to learn about responsible spending and saving. If you have teenagers, encourage them to take on a part time job or to do odd jobs in the neighborhood.

Help them open a Student Checking Account. They will need one eventually and learning to manage an account now will help them later in life. Click here to learn more about how Student Checking at VCNB works.

Discuss Debt. This is a good subject for everyone but especially for teens who have their eye on car ownership. Talk to them about things they might need to borrow money for – like a car, college education and house – and about saving money for a down payment. Also talk about how to manage a credit card responsibly and why they should avoid charging more than they can pay off in a month.

Talk savings. Teach them about the three most important kinds of savings for adults: personal, emergency and retirement. While retirement savings may not seem like a priority to a teenager, it will be important in a few years once they’re starting out in their career.

Your kids are going to learn about money from someone. Wouldn’t it be better coming from you?

Get Smart About Credit

The American Bankers Association sponsors a program called Get Smart About Credit. We take this program into several local high schools throughout the school year, hoping to educate young people about how credit affects all aspects of their life.

Since October 18 is Get Smart About Credit Day we thought it would be a good idea to provide a crash course in credit for our readers by debunking some common myths.

MYTH #1 – I don’t use credit cards so I don’t need a credit score.
Your credit score is enormously important to your financial health and impacts more than just your ability to get a credit card. In fact, your credit rating affects many aspects of your life that you may not consider. Your ability to get a job, to insure a home, to borrow money and to get a cell phone contract are impacted by your credit score. With a mediocre or poor credit score, a consumer may be able to borrow money but may only qualify for a higher interest rate than a consumer with good credit.

MYTH #2 – Credit is tied to how much money I have.
Credit has nothing to do with how much money you have in the bank. A consumer who earns $35,000 a year has the same ability to earn an excellent credit rating as someone who earns $350,000. It’s not about how much wealth you have but it is about how you manage your credit usage.

MYTH #3 – Debit cards will help my credit
A debit card is attached to your checking account. That means you are simply accessing your own funds rather than borrowing money like you would with a credit card. Using a debit card will not improve your credit score.

MYTH #4 – Closing a credit card will help my score.
Closing an unused credit card will not help your score. In fact, it could actually hurt your credit score because closing a credit card lowers your total available credit. Since credit utilization and the debt-to-credit ratio are big factors in your credit score, lowering your available credit is detrimental to your credit health. In other words, it reflects more favorably on a credit report to use $500 worth of $3,000 in available credit than to use $500 of $1,000 in available credit.

MYTH #5 – Once a credit score is bad, it cannot be rebuilt
Fortunately, credit can be rebuilt over time. A credit report is really just credit history. It keeps a record of all credit opened in a consumer’s name and whether each item is closed, active or inactive. Rebuilding credit isn’t always easy but it can be done with easy tasks like paying bills on time and playing close attention to the amount of debt carried each month.

What questions do you have about credit? Tell us in the comments!

Free Credit Freezes: Time to Rethink Your Protection?

The days of paying to protect your credit files are coming to an end.

Credit freezes and unfreezes with the three major credit bureaus — Equifax, Experian and TransUnion — will be free for everyone by federal law starting Sept. 21. Fraud alerts, which always have been free, will be extended from 90 days to a year. Credit locks, a product promoted by the credit bureaus, will continue to be free at two bureaus and offered as part of bundled services at a third.

How will these changes affect which you should pick? Consumer advocates continue to recommend freezes, and not having to pay to freeze or thaw credit makes the case even more compelling. But some people instead may want locks for the convenience; they can be done using the credit bureaus’ smartphone apps.

At the very least, everyone should set up fraud alerts, which require businesses to take reasonable steps to ensure that a person applying for credit in your name is actually you.

If you want to block access

Credit freezes offer the strongest protection against an unauthorized person opening an account or getting credit in your name.

Credit locks, which the bureaus voluntarily offer, do much the same thing as freezes: They make your credit records off-limits to potential lenders and credit card issuers.

Here’s a breakdown:

Credit freezes are:

  • Mandated by federal law to be made available.
  • Free from each credit bureau, without special conditions.
  • Placed and lifted online or by phone, requiring a PIN to change status (taking minutes).
  • Potentially time-consuming; if you lose your PIN, you may have to request a new one via U.S. mail.

Credit locks are:

  • Offered voluntarily by each credit bureau.
  • Offered free from Equifax; offered free with an agreement to receive marketing emails from TransUnion; and offered for a fee as part of a monthly monitoring service by Experian.
  • Placed and lifted with an app (taking seconds).
  • Relatively quick and easy to regain access to if you forget a password.

Another issue is legal rights, depending on the credit bureau and what service you use.

With credit locks at Experian and TransUnion, you give up the right to sue the companies in class-action lawsuits. Freezes and Equifax’s lock don’t require you to sign such a waiver.

What the experts choose

So which is better? Chi Chi Wu, staff attorney for the National Consumer Law Center, says it’s the freeze, hands-down.

“A freeze is something that is now mandated by federal law,” she says, “whereas the lock is a voluntary feature, and so if something goes wrong … there’s really not much recourse, except for maybe contract law.”

Her credit reports are frozen.

But credit expert John Ulzheimer made a split decision. At Equifax, “the practical difference between a lock and a freeze is negligible in my eyes,” he says. He chose the lock because it’s more convenient.

He froze his accounts at the other two bureaus because he was unwilling to pay for a lock or to accept marketing emails in exchange for a free lock.

Fraud alerts: added security

Both Wu and Ulzheimer say no one should be without at least a fraud alert.

“There’s really nothing wrong with obligating a bank to at least call you and say, ‘Hey, John, are you really the one who is standing in front of a finance manager at a car dealership trying to get an auto loan right now?’ I think that’s just smart credit management,” Ulzheimer said.

Ulzheimer has fraud alerts in addition to his freezes and lock. “People tell me it’s redundant, like putting a safe inside of a safe,” he says, but he likes having the extra protection.

More From NerdWallet

Bev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. The article Free Credit Freezes: Time to Rethink Your Protection? originally appeared on NerdWallet.

 

Banking Has Changed, But Criminals Haven’t — Here’s How To Protect Your Money

This year marks a decade since the global financial crisis. Although the biggest financial institutions still dominate the landscape, banking has undergone some changes. The proliferation of smartphones means mobile banking now plays a significant role in how we manage our money. A 2016 Fed survey found that over half of smartphone users with bank accounts used their devices to access their money.

What hasn’t changed since 2008? Con artists.

» 10 years after the Great Recession: Tips and advice to prepare for bad times and to prosper — any time

Ten years ago, identity theft was the No. 1 complaint logged by the Federal Trade Commission. Today, the number of complaints is 20% higher than in 2008. The research-based advisory firm Javelin Strategy & Research identified a record high of nearly 17 million victims of identity fraud last year. And many of today’s fraud and identity theft breaches involve mobile devices. The rise of mobile banking in the past decade means it’s easier and more convenient to keep up with your bank accounts, but it could also make it easier to be scammed.

Financial institutions invest in technology and cybersecurity expertise to fight back, but your bank or credit union needs your help. Here are ways hackers try to access your bank information and how you can avoid swiping your money into a criminal’s trap.

How hackers work

Phishing. This happens when hackers use websites, emails or other means of contact to trick customers into submitting personal information. The practice isn’t new, but it has gotten more sophisticated.

“Ten years ago, phishing was rudimentary. Fake sites were not authentic looking. There were a lot of typos,” says Adam Levin, founder of Cyberscout, a Scottsdale, Arizona-based cybersecurity company. “Now, the criminals have gotten much more sophisticated and the sites look real.”

According to the not-for-profit Anti-Phishing Working Group, phishing attacks increased by a whopping 5,700% over the 12 years ended in 2016, and the latest data suggest attacks continue to increase.

Keylogger software. These programs may install on phones via apps that aren’t secure, such as one that’s not from your device’s approved app store. The software records keystrokes, such as when you enter a bank username or password on a website, then sends a record of what was typed to the hacker.

How to protect your accounts

Ask your bank or credit union about security. The safest banks for consumers use the latest cybersecurity protocols to protect your accounts from breaches and large-scale identity theft. “You’ll want to make sure your bank is up to par,” Levin says. If not, it may be time to switch to another institution. Make sure your bank provides the following — and use these services:

  • Two-factor authentication.When you attempt to log on to your bank’s secure online webpage, the bank or credit union will contact you through some other means — by sending a text, for example — to ask you to confirm the login request. Not every bank has two-factor authentication. But if you choose one that does, your accounts have an extra layer of protection, says Neal Stern, CPA and member of the American Institute of CPAs’ National Financial Literacy Commission.
  • Transaction alerts.Sign up for these alerts, which are generally text or email messages your bank sends to your mobile device when large purchases are made on your account or if your balance drops below a certain amount. (For a deeper look at transaction alerts, here are five mobile banking alerts that help fight fraud.)
  • Fraud monitoring.Many banks monitor transactions to detect unusual spending patterns. The bank might send you a confirmation text if it detects an odd purchase attempt, such as an online purchase worth thousands of dollars from a vendor you’ve never used before. You would have to reply before approval of the transaction.

Keep mobile device software up to date. Your device provider likely sends periodic updates. Some of them may help stop the latest hacker attempts, so it’s important to install updates.

Have a rock solid sign-on. When it comes to logging on to your bank’s website, use “long and strong passwords” that are hard to guess, Levin says. That way, even if you lose your phone, the next person who picks it up won’t be able to figure out how to log in to your bank accounts. In addition, lock your mobile device screen and use a different password to unlock it. (Read more about how to create passwords that are hard on others but easy on you.)

Be careful with other contacts. Fraudsters may try to trick a customer by calling and saying an account has been compromised, then asking for sensitive information, such as a password or Social Security number, to confirm their identity.

“Why would you need to authenticate yourself to someone who contacts you?” Levin says. If you’re unsure about whether a call is legit, hang up and try to reach the bank or credit union at a number you’re familiar with.

Today, customers can deposit checks, transfer money between accounts and pay bills from the convenience of their smartphones. But with convenience comes risk. Take steps to eliminate the risk of identity theft by partnering with your financial institution to protect your hard-earned money.

Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. The article Banking Has Changed, but Criminals Haven’t — Here’s How to Protect Your Money originally appeared on NerdWallet.

 

What Is An HSA?

Healthcare image.jpegAs you’re navigating the world of health insurance you likely have encountered the term HSA. Do you know what HSA means?

HSA stands for Health Savings Account and this is an easy way for folks who have high deductible insurance to save for medical expenses and to reduce their taxable income.   If you are enrolled in a high-deductible insurance plan as defined by the government, you can qualify for an HSA. This year, to be eligible for an HSA, you must have an annual deductible of at least $1,350 for an individual and $2,700 for a family. This is set by the federal government and is subject to change in future years.

Each year you will decide how much to contribute to your HSA account although your annual contribution cannot exceed government mandated maximums. For 2018, the contribution limit for an individual is $3,450 and the contribution limit for a family is $6,900. Adults over 55 can add up to $1,000 more.

These contributions are tax deductible and the distributions are tax free when used for qualified medical expenses.

At VCNB, you will receive a debit card and a monthly statement with check images. Your first order of checks will be free and you will have unlimited checking writing. There is an initial $25 set up fee for the account. This fee will be waived for customers who present this coupon.

There is also a $3 monthly fee which will be waived for customers who select eStatements.

Want to learn more or open an HSA online? Click here and look under the Savings Accounts tab.

You can also seek more information or open an HSA in any of our seventeen locations.

 

 

Nine Expenses to Pack in Your Moving Budget

Moving comes with a long, expensive to-do list.

The average cost to for a local move from a two-bedroom apartment or three-bedroom house ranges from $400 to $1,000, according to HomeAdvisor’s True Cost Guide. While you’re choosing a place to live and deciding what to pack, having a plan for expenses can ensure your budget doesn’t get lost in the shuffle.

“It’s very easy to overlook minor details because when you’re moving, you’re looking at getting your stuff from point A to point B,” says Jessica Nichols, a director at Avail Move Management, a relocation and transportation service in Evansville, Indiana.

Preparing for moving costs can help alleviate emotional and financial strain. Consider these less-obvious expenses.

  1. Peak surcharges

Many moving and truck rental companies raise rates during busy times like summer and weekends. If you have the flexibility, relocate in an off-peak period to save money.

  1. Packing materials and equipment

Buying items like boxes, bubble wrap and packing tape can add up. For example, U-Haul sells large moving boxes for $1.63 to $1.99 each, depending on how many you buy. Be realistic about the number you need to avoid costly miscalculations. Or, seek free materials from friends or online.

Additionally, consider the items you’ll need to safely transport your belongings, including furniture covers, hand trucks and bungee cords. If your movers don’t provide them, or you aren’t hiring professionals, renting or borrowing is more affordable than buying.

  1. Excess cargo

The more stuff you schlep, the more you’ll pay. Movers usually factor the number and weight of items into the bill. Expect additional fees for valuable or large items like pianos that require extra time, space or labor.

Hauling everything yourself? A bigger load can require a larger vehicle or more gas-guzzling trips. To save money, donate or sell what you can before you move.

  1. Cleaning

You’ll likely need to tidy up your current place, especially if there’s a security deposit at stake.

Housecleaning services typically charge $200 to $300 for a one-time cleaning, according to HomeAdvisor. You’ll save money by doing some or all of the work yourself.

  1. Utilities

Watch for deposits, taxes, and connection and installation fees when setting up utilities at your new address. These could range from $10 to $200 or more. Ask power, internet and other service providers about charges in advance.

  1. Food

Food expenses can pop up, too. Think snacks for the road, restocking the refrigerator and pantry, and feeding friends who’ve helped. Shopping wholesale clubs could be a smart strategy to feed a crowd.

  1. Lost or damaged items

Some belongings might not survive the journey. Depending on what you’re transporting and how far, it may be worth purchasing protection to repair or replace property.

“Nobody wants to think about their items getting broken. Ideally that would never happen, but in the real world that’s something you need to plan for,” says Nichols.

Most movers provide basic valuation coverage, which limits their liability to 60 cents per pound, per item. For a 40-pound TV valued at $500, that’s $24. Top-tier options and separate insurance plans offer higher or full values, but it will cost extra. If you have homeowners or renters insurance, you likely have some coverage. Check your policy.

  1. Tips

Movers appreciate tips after a long day of heavy lifting. Give tips based on your satisfaction level, but a good rule of thumb is 5% of the total bill.

  1. Storage

If you can’t immediately move your possessions into your new home, you might have to rent a self-storage unit. Costs vary by size and location. Public Storage units in Austin, Texas, for example, range from about $30 to $300 per month. The less time and space you need, the less expensive the unit.

Make your budget move-in ready

Mentally walk through your moving process from start to finish. Outline the potential items and services you’ll need at least a month ahead. Then, research prices and get multiple estimates for the best deals and service, Nichols says.

Leave wiggle room for unexpected costs and take your time purchasing new home furnishings, says Daria Victorov, a certified financial planner at Abacus Wealth Partners in San Mateo, California. Remember, you don’t have to buy everything at once.

“When you move into an empty house it feels like you need everything right away,” Victorov says. “Before you move, figure out what those essential items are, the things that you use every day and that’ll help you figure out your budget, too.”

This article was written by NerdWallet and was originally published by The Associated Press. Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. The article 9 Expenses to Pack in Your Moving Budget originally appeared on NerdWallet.

 

Prepare Now For Happier Holidays

There are about 22 weeks until Christmas.

You’re probably wondering why your bank wants to talk about Christmas during the hottest days of summer but there is one really good reason: we want to see our customers have a nice holiday season without accumulating a mountain of debt.

Calculating the Cost of the HolidaysLots of folks wait until November to start thinking about what they’ll buy and how they will fund it. Others just buy without thinking and worry about it when the credit card bill comes in January. We would rather see you start planning and saving now and we’ll tell you why. Without the stress of money worries weighing you down, the holidays will be much more enjoyable. It’s that simple.

Luckily, there are still almost six months left to prepare.

How Much Will You Spend?
First, you need to know how much money you will want to spend. Make a list of each person you buy gifts for as well as other expenses related to the holidays. Do you host a big Christmas Eve bash or do you travel to see the in-laws? Do you make charitable donations during the holidays or send Christmas cards? List all those things too.

Then assign an estimated dollar amount to each person or category and add it all up. That’s the amount you need to aim for saving. If it sounds like too much, you might need to adjust your spending expectations.

Create a Savings Plan
Take your budgeted amount and divide it by the number of pay checks you will receive before Christmas. That’s the amount you need to save each pay. For example, if you plan to spend $500 on Christmas this year and are paid weekly, that means you would need to save about $23 per pay to be ready in time for the holiday.

Think you don’t have extra money to save every paycheck? Keep reading.

There are sneaky ways you can save money. If you budget $100 for your electric bill and it’s just $95, then save the extra $5 instead of spending it. If you have a vice like drive-thru lunches, pack your meals occasionally and save the extra. Save your change and bring it to a VCNB location with a coin machine for easy counting. Be intentional with how you use any extra amount of money, no matter how small it may be, and save it.

Automate That Savings
Whether you join the VCNB Christmas Club or just schedule automatic transfers, automate your savings plan. Schedule an automatic transfer of that $23 every single payday. It will be just like any other bill and you won’t have to lift a finger to make it happen. And while we’re talking about savings accounts, you may choose to open a savings account just for your Christmas spending. You’ll have easy access to your cash when you need it and can just transfer it back to your checking account when ready to spend.

Think Ahead
Stores and online retailers are filled with clearance racks and good sales every day of the week. Keep your eyes peeled and you may be able to pick up a few gifts long before the Black Friday frenzy begins.

Also, if you do travel during the holidays, nail down your travel days and start looking for deals on flights and hotels.

If you have a big family, it may be time to have a conversation with your siblings about gift giving. Do you want to buy gifts for everyone or just for the kids or maybe gifts for couples rather than individuals? We aren’t telling you to be stingy but you may find that some people in your life are relieved to have less shopping to worry over.

Reward Yourself
VCNB offers a Rewards Checking account that literally rewards you for spending your own money. Saving these points throughout the year to redeem before the holidays is another great way to save! Customers who use Rewards Checking receive one point for every $3 spent and 200 bonus points when they have 21 or more transactions per statement cycle. These points can be redeemed for cash back, gift cards, travel and more!

There is a coordinating Visa® Platinum Card that allows you to earn one point for every dollar spent. These points can be redeemed for exciting merchandise, gift cards and travel. Customers who use both Rewards Checking and the Visa Platinum Card can link their points in one account to make redemption a breeze.

Ready to get started? Open online or learn more about Rewards Checking or open that new Passbook Savings to get started with your holiday savings today!

Seven Ways to Save at Disneyland — No Magic Required

Prepping your wallet for a trip to see Mickey Mouse is no walk in the park. There will be tickets, souvenirs and food to buy.

So to make your visit to California’s Disneyland more of a fairy tale and less of a financial nightmare, try these seven ways to save money. While the tips below focus on the Anaheim park, visitors to other Disney properties will find some ideas for cutting costs, too.

  1. Rely on reviews

Before you step foot in the park, brush up on Disneyland’s best offerings by going online. You’ll find many bloggers who write reviews about the newest attractions, says Casey Starnes, owner of the Disneyland Daily blog.

The blogs will help you decide what, and what not, to spend money on. For example, with a little research you can decide which dining packages are worth the splurge. It may also help you decide which rides are worth waiting in line for, maximizing the money you spent on your ticket.

  1. Get a discounted ticket

You don’t always have to pay full price for a ticket. Disneyland offers specially priced tickets to active and retired U.S. military personnel, for example. Other visitors can search for discounts through organizations like AAA.

Be careful to avoid illegitimate sellers, though. Scammers on Craigslist and other websites have been known to deliver fake tickets. Before buying, check out a seller through online reviews or look for accreditation such as from the Better Business Bureau.

  1. Don’t be a Sleeping Beauty

If you want to get the most bang for your buck, wake up early. You can hit up rides before the crowds set in.

“I always tell people that Disneyland vacations are not for sleeping in,” says Jessica Sanders, founder of The Happiest Blog on Earth and author of “Disneyland on Any Budget: Money Saving Tips From The Happiest Blog on Earth.”

Sanders recommends lining up at the gate an hour before opening so you can take your first ride within minutes of entry. “I typically get in 10 or more attractions during the first two hours of my day, even during the summer.”

  1. Skip a meal

To save money — and feel less stuffed as you’re walking around — eat two big meals instead of three, Starnes says. Try a mid-morning brunch, snacks during the afternoon and a big dinner in the evening.

“Disneyland is known for snacks, and they’re much more affordable than meals,” she says.

  1. Use Disney gift cards

Another clever way to stay on budget? Gift cards. If you know you can afford to spend $25 on souvenirs or $50 on food, buy a Disney gift card for that amount. Cards can be purchased online, at the resort or at a Disney store and redeemed at many places in the park.

“We have a gift card with that set amount on there, and then when it’s gone, we’re done spending on that particular thing,” Sanders says. “So you don’t have to keep track in your head or go way over budget because most people aren’t keeping track of every receipt and everything they’re spending while they’re on vacation.”

  1. Pick the right souvenirs

When you buy something, choose wisely. For souvenirs, Starnes recommends selecting items that will stand the test of time. So consider a coffee mug over a toy. Or pick a commemorative photo book instead of a shirt that your child will outgrow.

  1. Perfect your strategy

These tips won’t expire when the clock strikes midnight — and they don’t only apply to summer visits. Reuse and refine them each time you visit Disneyland.

“It’s almost like competitive vacationing,” Starnes says. “Every time you come, you want to do more and more. You want to do better than your previous visit and you learn more every time you visit.”

More From NerdWallet

Courtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd.

The article 7 Ways to Save at Disneyland — No Magic Required originally appeared on NerdWallet.