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

Don’t Let the Holidays be a Financial Burden

Kristina Kraus
Greater Nevada Credit Union
Whether I am walking through a department store, going down a grocery aisle, or stopped at a street corner with signage, I get that inevitable reminder that the holidays are fast approaching. I don’t know about you, but these signs start to make me feel anxious when I remember how much I spent last year or that I only have so many more paychecks to get. But after I stop my momentary panic, I snap back into reality and remember that the holidays aren’t meant to be a financial burden. In fact, if we all calm down, and start planning now, we can manage the holidays and make them enjoyable. And by next year, I might even be so daring as to plan as early as January with a Christmas Club account! But, since I am no holiday expert yet, by simply following just one or all of these steps, I know I’ll be in for a much more relaxing holiday:
10/17/2014

How to Recover from a Foreclosure

Kate Robinson
Greater Nevada Credit Union

Most of us remember when “foreclosure” wasn’t a household word. It has always been a painful reality, but until a few years ago it wasn’t one that impacted so many of our friends and families. I don’t own a home, but many of my friends and acquaintances do, and two of my closest friends have lost their homes in the last five years. The process of losing your home and your good credit is difficult, scary, and embarrassing at best.

10/06/2014

Payday Loans: Why They Hurt More Than They Help

Kate Robinson
Greater Nevada Credit Union
We’ve all been there. Things are tight already, you have no idea how you’re going to pay this month’s bills, and while you’re driving to work (mentally calculating the risks of living off of ramen noodles) the transmission falls out of the car, causing you to swerve into a construction zone where nails pop three of your tires. Okay, maybe we haven’t been there exactly, but most of us know the feeling of panic when unexpected bills start piling up. The temptation to run to the nearest payday lender (just to get us through until next payday of course) can be overpowering. But before you head down that road, let’s take a look at payday loans, and find out if there are better options.
09/19/2014
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