Living Greater

If you’ve bought anything online recently, you might’ve noticed online retailers offering the option of Buy Now, Pay Later Loans when you click to check out.

This type of loan—also known as a point-of-sale loan—gives you the option to pay off your purchase with bi-weekly or monthly payments over a period of time. Unlike credit cards, many Buy Now, Pay Later Loans (BNPL for short) offer 0% interest and no penalties for late payments.

On the surface, this can sound like a pretty attractive option; especially if your online cart is loaded with big-ticket items such as furniture, gifts, or household goods. However, it’s important to be aware of how BNPLs can impact your credit score before deciding to use this option.

There are plenty of reasons that you may need some extra cash ASAP—and a personal line of credit can help you get it while also potentially helping your credit score.

A personal line of credit from GNCU is the perfect option to help you consolidate your debt, protect your account from overdrafts, or lend a hand with unexpected life events, like a sudden auto repair or pet illness.

With a personal line of credit, you get instant access to your available credit when you need it. 

Member service representative, Edith Flores, loves animals. She wanted to turn that passion into action and find a way to help all the animals at the Nevada Humane Society as they wait to find their forever homes. With a goal of raising $3,000, Edith got creative, and with the help of Greater Nevada employees and community members, Edith reached her goal.

This April 24, I will join my fellow Greater Nevadans and hundreds of other participants to take the Polar Plunge in South Lake Tahoe. Together, we’ll brave a few minutes in freezing water to support Special Olympics Nevada and the incredible work it does to facilitate year-round sports training and athletic competition for children and adults with intellectual disabilities.

It’s been over a year since sports leagues in Nevada were shut down to help slow the spread of the COVID-19 pandemic. That’s an entire year of opportunities missed for the youth in our communities. Gloves sat in closets, cleats collected dust in garages and basketballs deflated while we waited for facilities to reopen and welcome us back.

From creating an emergency fund to paying off debt, here’s a game plan to use extra money to make a meaningful impact on your life.

In 2020, we witnessed and were a part of history in many ways, both good and bad. There were times that tested our resolve, our patience and even our ability to move forward.  With our members and clients in need, as Greater Nevadans, 2020 became our time to shine.  A time to show our members and our communities that we care about them and will do whatever we are able to help them Live Greater. And truly, a time to collaborate, celebrate and move forward together.

Tragically, we have all seen more boarded-up windows and “final sale” signs than we would like since the pandemic shuttered Nevada businesses’ doors back in March of 2020. Some of our favorite local places – restaurants, gyms, salons and others —have seen their final days come and go as a result. At Greater Nevada we’re working hard to do our part to prevent this from happening wherever and whenever possible.

The end of December usually is when we would share advice about what new year’s financial resolutions could help our members in the next 12 months. Traditionally, we’d talk about how to take control of your money, make better financial decisions, pay off credit card debt, and save for retirement and emergencies. However, 2020 has been anything but a traditional year, so our advice going into 2021 is different as well.
 

We’re surrounded by messages about things to be grateful for during the holiday season—our family and friends, physical surroundings, natural environment, skills and abilities, and more. Even so, sometimes it can be difficult to have an attitude of gratitude—especially in trying and challenging times. However, practicing gratitude has been proven to have many positive psychological benefits, can help you navigate uncertainty, and can even improve your finances.