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.


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.

How to Become a Richer Nevadan

Marcus Wertz
Vice President of Consumer Lending

My job is to generate loans at Greater Nevada Credit Union, which means helping Nevada consumers borrow more money. You might not think that borrowing more money and getting richer are two things that go together, because building wealth is all about saving and investing, right?


Common Money Myths We Should Abandon

Kate Robinson
Greater Nevada Credit Union

In today’s world of social media and instantaneous communication, we can get news and information about pretty much anything in just a few seconds. We also get a lot of information, since so much content can spread so fast without moderation. Hopefully by now you know that Bill Gates is never going to give you $5,000 no matter how many times you repost a picture of him on Facebook. But did you know goldfish don’t really have 3-second memories? How anyone knows whether they do or not is beyond my area of expertise, but apparently the current consensus is that they have pretty decent memories after all. There are quite a few money myths being spread far and wide as well. Let’s dispel a few of them.


Getting To and Fro on a Budget: Cutting Down on Transportation Costs

Kate Robinson
Greater Nevada Credit Union

I just got back from a two week road trip, which was incredible but cost me about $800 in gas. It got me thinking though, about ways to save money on transportation in general. I planned to talk to you about whether buying more expensive gas really makes a difference to your engine or your fuel efficiency, but no one seems to agree (except that your engine is probably not in danger, even if you buy less expensive gas). So I thought I’d look at some alternative ways to save money on getting to and fro. None of the following tips for cutting down transportation costs include the purchase of a donkey-cart.


College Scholarships You Never Knew Existed

Kate Robinson
Greater Nevada Credit Union
When it comes to saving for college, scholarships are where it’s at. Some scholarships are significant (like a full-ride academic scholarship for being an amazing LaCrosse player or something) and others are less substantial, but as any parent paying for college will tell you, every little bit helps. With the rising cost of education, it’s a good idea to know about all the resources out there willing to fork over a few dollars to help you out.

Buying a Home in 2014? PMI Will Save You Big Time

Odysseas Papadimitriou is CEO of the credit card comparison website CardHub as well as the personal finance social network WalletHub.
We’re expecting big things from 2014. Not only has the Bureau of Labor Statistics been reporting consistent job growth, but Congress also seems to be playing nice in advance of the mid-term elections, auto sales are displaying year-over-year growth, and neither Fed tapering nor international crisis has proven enough to derail the stock market.

Life Hacks for Parents: How to Afford Your Offspring

Wende Dahlsten
Greater Nevada Credit Union
As my husband and I embark upon parenting a human, we did a little research and found that according the U.S. Department of Agriculture, the average cost to raise a child born in 2013 to age 18 is expected to be $241,080. We thought it would be smart to start learning from the experts and reach out to some friends who have kids to discuss their financial strategies

Never Have Your Debit Card Declined Again

Kate Robinson
Greater Nevada Credit Union
It’s happened to all of us. There’s a long line of people watching you swipe your debit card at the grocery store – our purchases are bagged and carted – and the cashier says, “I’m sorry ma’am, it says it’s declined.” If they’re nice, they don’t shout it. You make sure to state loudly that you have plenty of money in your account, and it must be a problem with the debit machine or the bank (which, to be fair, it sometimes is) but whether it’s true or not, you know everyone else in line is silently judging your poor money management skills.

Self Employed? Save the Headache Later, Keep Great Tax Records Now

Kate Robinson
Greater Nevada Credit Union
With tax season finally over, now seems like a good time to talk about how to make next year’s taxes go as smoothly as possible. I especially want to focus on the self-employed and contractors. While there are all kinds of variables that complicate tax-filing (owning a home, dependents, interest income, divorce, marriage, death), many of us still work for corporations where we file a W-2 and our withholdings become automatic. For entrepreneurs, or people in more less formal income situations, it can be a bit trickier.
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