Unsolicited Calls, Texts & Emails – Protect Yourself from Phishing Scams

Kristina Kraus
Greater Nevada Credit Union
It’s sad to say but many of us have experienced, or at least know someone who has had their credit card or debit card information stolen. In our digital age, we no longer fear the purse snatcher but instead have to worry about cyber thieves stealing our money or identity.

When you think of your information getting stolen, you might think it’s due to an online shopping incident or a gas station that got hacked. However, in today’s rapidly changing world it’s not just those types of circumstances anymore.

When internet frauds trick you into giving up your personal information, this is called phishing. You can be the victim of a phishing scam from all sorts of ways, such as through an email, a phone call, or even a text message. Learn how to identify these scams and take preventative action.
1/16/15

The Trick to Buying Your Next Home

Kristina Kraus
Greater Nevada Credit Union
Recently having moved to Northern Nevada and currently trying to sell my old house, I have begun my research on how to go about buying my next one. Plus, with the holiday hump over, the housing market will start to pick up soon with more options available, so I decided it would be good to have my ducks in a row.

There are several factors to consider when house shopping, but I have compiled the main ones to remember here:  
1/09/15

New Year’s Resolution: Spend Less, Save More

Kristina Kraus
Greater Nevada Credit Union
Every year, millions of us vow to be better, get healthy, or improve our lives in some way. We call these vows our New Year’s Resolutions. Of those resolutions, one that always seems to be in the top ten for Americans is to save more money.
 
It‘s taken me years to learn how to save, but I can tell you that it can be simple once you get a routine down.
1/02/15

Be a Local Hero: Eat, Shop, & Be Local

Kristina Kraus
Greater Nevada Credit Union
With the recent flurry of holiday shopping that has occurred, you may have heard in the news to think twice about where you shop. The city of Reno created a page to support the locally-owned stores during this heavy shopping season. But why take the time to buy from a local business when everything is a click away these days or can all be gathered at a large retailer? Whether you’re shopping for electronics, clothes or even groceries, just about everything fathomable can be purchased online. Find out why buying local can be of a greater benefit to you and your community. 
12/26/14

Why get a personal loan when I have a credit card?

Kristina Kraus
Greater Nevada Credit Union
Credit cards are great for quick and easy purchases that we can pay off in a timely manner, but what if you need a little extra time? Maybe you’re planning a family vacation, have a very long holiday shopping list or you’re going to be buying an engagement ring. For big purchases like these, putting that much on your credit card can be nerve wracking. The last thing any of us wants to deal with is the snowball effect that a late payment on your credit card can have. One option that may work more to your advantage is a personal loan.

Discover the benefits and most common reasons for obtaining a personal loan.
12/19/14

Is the End of the Year the Best Time to Buy a Car?

Kristina Kraus
Greater Nevada Credit Union
Some say the end of the year is the best time for car shopping, while others say that it doesn’t matter. I’m here to say that both statements are true.

Yes, you can get a good car deal year round and yes, one of those times is at the end of the year. So what’s the trick? Timing is everything when it comes to buying a new car.  Keep these car shopping guidelines in mind and you’ll be on your way to getting a deal that works in your favor.
12/12/14

How to Prepare for Flu Costs

Kristina Kraus
Greater Nevada Credit Union
Along with the wonderful sounds of sleigh bells and Christmas carols, every winter we can expect to hear the sneezing, coughing and fever producing sickness that is known as the flu. Running typically from October to April, flu season is by far my least favorite season of the year.

It’s been three years since my last flu episode (knock on wood), but I can still remember the 10 days of nausea and weakness that made me absolutely miserable.  Getting the flu is never fun and when you aren’t prepared for it, sometimes it can turn into a financial stress, too. With a 20% chance of getting the flu, it is important to find out the impact it can have on your wallet and what steps you can take to avoid it:
12/08/14

Avoid Holiday Hackers: How to Keep Your Money Safe and Enjoy the Season

Patty Chang, VP of E-Commerce
Greater Nevada Credit Union
We all remember last holiday season when Target’s systems were breached, exposing millions of customers’ credit card data. Since then Home Depot, Kmart, and Neiman Marcus have all been added to the list of retailers who have been compromised. Over the past year, the world has become a lot scarier for shopping. Luckily, even though hackers have become a lot smarter so have retailers and financial institutions, so that shoppers can have a safer and more merry holiday. As the VP of E-Commerce and former Manager over the Risk Management Department, it is my job to keep our GNCU members and their information as safe as possible, whether it be online or in stores.
 
 ‘Tis the season to be jolly so in order to help keep the holidays bright, I’ve decided to answer questions that our members have been asking on how to best keep your money and information safe this shopping season and security improvements slated for 2015.
11/21/14

6 Ways to Manage Your Heating Bill

Kristina Kraus
Greater Nevada Credit Union
Between paying for all the food and drinks for a Thanksgiving feast, Christmas gifts for family and friends, and holiday trips, it’s hard to think about saving money over the next few months.  And as a recent transplant from Southern California, I also haven’t really thought much about what my heating bill will be like in northern Nevada. (I was more focused on the beautiful, snowy winter I’d enjoy!)

Luckily good old dad shared some advice with me and in turn, I would like to share it with you, since saving is never easy and we could all use a helpful tip once in a while.
11/10/14

Budget Friendly Halloween Costumes Done in a Pinch

Kristina Kraus
Greater Nevada Credit Union
Flash forward to tomorrow afternoon, your phone rings and great news, you’re invited to a Halloween party! But wait, you don’t have a costume, it’s the day before, and if you’re like me, spending $60+ dollars for a once-a-year outfit really isn’t fun...sigh. This happens to me just about every year on Halloween and I thus have two options to debate, sit on the couch trying to find anything other than an old horror movie to watch or go out with friends and probably have a good time.  I know you’re thinking that to enjoy Halloween you need to have some brilliant disguise but trust me, your friends won’t care as long as you go! So suck it up, take my advice and you will have a great time and an easy costume that won’t break the bank.
 
10/29/14
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