Supporting Image for Stop Financial Clutter

Stop Financial Clutter

We Own Our Bank
Just like the clutter found throughout your home or work area, financial clutter can suck up time and space. It also can lead to lost money.
 
First, you have to find out what your financial clutter is. Do you have too many credit cards? Are your desk drawers overflowing with old receipts and statements?  Is your money spread out at various financial institutions? Once you know where the clutter is, you can go about dealing with it. We’ll look at these three areas to see how to declutter.
 
2/03/17
Supporting image for How to set New Year’s Goals That Will Last

How to set New Year’s Goals That Will Last

Bennett Queen
Marketing Coordinator
Let me start off this post by asking you to think about your New Year’s resolution from last year. Go ahead, I’ll wait… I won’t ask you what it was, but what I would like to know is: did you keep that resolution? If not, try doing things a bit differently this New Year.
01/03/17

Scared of the Monster (Debt) Lurking In Your Finances?

Bennett Queen
Greater Nevada Credit Union
Halloween may be over but being in a lot of debt can be a scary thing, and all that holiday season spending won’t help. If your personal finances are starting to feel like a horror story, consider some of these ideas to slay the debt beast (or at least tame it).
11/10/16

Three Reasons to Welcome Fall in Northern Nevada

Bennett Queen
Greater Nevada Credit Union
Northern Nevada is a wonderful place that offers all four seasons. Sometimes that means 100+ degree weather and other times that means a blanket of snow. However in the fall that means beautiful colors and even better weather. So, why not take advantage of those perfect conditions, along with some long-awaited seasonal events and activities.
09/30/16

The Value of Signing Up for eStatements and Electronic Payments

Michelle Hale
Greater Nevada Credit Union
We’ve heard it before… “I like to receive paper statements so I can keep them in my file.” Or, “a paper bill reminds me to pay my bill.”
 
8/26/16

Is Owning a Tiny House Right for You?

Kristina Kraus
Greater Nevada Credit Union
Traveling across the country is a dream for many, and a growing number of people are pursuing that dream through the tiny house movement. With shows on HGTV and other channels about tiny home lifestyles, the question came up: What are the pros and cons of living in a house that is 500 square feet or smaller?
7/22/16

The Value of ATM Networks and Shared Branching

Kristina Kraus
Greater Nevada Credit Union
When choosing a financial institution, a lot of the decision making is centered on convenience. Is it conveniently located near my home or office? Can I access my accounts if I travel? Are there plenty of ATMs nearby? Often times, big banks come to mind first, but what most people don’t realize is that banking with a credit union has just as much value or even more than a bank.  
6/8/16

Take Care of Yourself without Overspending

Kristina Kraus
Greater Nevada Credit Union
Sure life is busy, especially when it revolves around family, work, volunteering and other commitments. However, it’s important to occasionally take time out to take care of yourself. Doing that is easier and more affordable than you might think, and following are just a few ideas to help you get into the habit.
5/27/16

What does community service mean to you?

Michelle Hale
Greater Nevada Credit Union
As Greater Nevada’s Community Outreach Supervisor, I have the opportunity to connect with a variety of organizations that share Greater Nevada’s passion for helping more people live greater.  There are many worthy causes worth supporting, and many different ways to support them. In my experience, those who get (and give) the most from their community service understand what they are passionate about, how they can help, and what they can commit to.
 
5/23/16

4 Ways for Couples to Share Finances

Kristina Kraus
Greater Nevada Credit Union
According to a recent survey, finances are the leading cause of stress in a relationship. And since every relationship is unique, it’s important to discuss sharing finances sooner rather than later. Following are some different ways couples, including newlyweds, merge their money that may spark ideas for you and your significant other. 
5/13/16

How to Live Greater – Motherly Advice

Kristina Kraus
Greater Nevada Credit Union
We have a passion at Greater Nevada to help more people live greater. And in honor of mother’s day, our employees shared words of advice from their mom’s—and those who were like moms—on what it means to live greater.
4/29/16

How to Find Affordable Lodging for Your Summer Vacation

Kristina Kraus
Greater Nevada Credit Union
Spring time is an excellent time to start planning your summer vacation. Now that tax season is almost over, you’ll know how much you can afford to create some great memories during your time off. Whether you want to splurge or save, there are so many ways to plan the perfect trip (or Nevada staycation) that fits your budget and expectations. 
3/29/16

What to Know About High Deductible Health Plans and HSAs

Kristina Kraus
Greater Nevada Credit Union
There are a variety of health insurance options to help cover ever increasing medical care costs. One type of insurance that is growing in popularity is the High Deductible Health Plan (HDHP), which offers both a lower premium and the ability to contribute to a tax-exempt Health Savings Account (HSA).

Following are some frequently asked questions and answers about HDHPs and HSAs.
10/22/15

Cheap and Easy Home Improvements

Kristina Kraus
Greater Nevada Credit Union
Upgrading kitchens, remodeling bathrooms, and adding on rooms aren’t your typical budget-friendly home improvement projects. While you save up for these bigger expenses, why not do some low-cost projects that can make a considerable difference in the mean time.
9/30/15

Buying vs. Renting Your Next Home

Kristina Kraus
Greater Nevada Credit Union
It’s long been the “American Dream” to own a home, though making such a big financial commitment can be terrifying. Luckily, mortgage rates have continued to remain historically low, making homeownership accessible for more people. So, now could be a good time to decide if renting or owning is better for you. 
9/11/15

Celebrating Over a Century of Cooperation

Kristina Kraus
Greater Nevada Credit Union
In honor of our country’s recent Independence Day celebration, I thought I’d share some interesting history, specifically that of U.S. credit unions, which have been around for more than 100 years.

Credit Unions’ History

The first financial cooperatives began in England in the early 19th century. From there, the idea of the credit union was born and emerged in Germany a few decades later. These initial credit unions demonstrated democratic governance, a single vote per member, and member-elected directors that were volunteer based. It wasn’t until 1900 that the credit union idea came to North America. It began in Quebec, Canada where the need for affordable loans had risen to aid working-class families. 
 
7/9/15

How Not to Go Broke While Dating

Kristina Kraus
Greater Nevada Credit Union
Whether it’s your first date or you’ve been with someone for years, it can be hard to manage your money while trying to wine and dine at the same time. Depending on where you go, a typical dinner, drinks, and movie date could cost a $100 for the night. If you have a date night once a week, that quickly adds up to over $5000 for the year.  And that doesn’t even factor in a babysitter if you have kids! Luckily, when it comes to dating there is really no need for extravagances so long as you make the effort to spend quality time together.

Take a look at some of these ideas below for some fun and affordable dates. 
6/11/15

Spend Less & Relax More This Summer

Kristina Kraus
Greater Nevada Credit Union
Summer is fast approaching and soon it will be vacation time for many. To make the season more relaxing—and more affordable—follow these suggestions.

Plan Ahead

Spontaneous trips can be fun; however they aren’t always the most cost efficient. By planning a trip beforehand it’s easier to avoid overspending on things like inflated day-of tickets for tours or shows, expensive last-minute hotel rooms, or premium gas prices in towns that are off the beaten path.
 
5/26/15

Rewarding Yourself and Others Through Volunteering

Kristina Kraus
Greater Nevada Credit Union

Credit Unions know all about the benefits of volunteering. We have a volunteer board of directors, and giving back to our members, as well as our communities, is part of the credit union culture. Of course, there are so many other organizations and individuals who volunteer their time and expertise for various worthy causes. Why do they do it? Because volunteering makes everybody stronger.

4/20/15

What to Consider Before Buying an RV – Motorhomes and Trailers

Kristina Kraus
Greater Nevada Credit Union
It’s no secret that we live in one of the best states for enjoying the outdoors. Between Lake Tahoe, Red Rock Canyon, Black Rock Desert and more, the things you can do and see in Nevada are endless. We’re also close to other desirable destinations, such as Yosemite National Park, Utah’s Arches National Park, and the coasts of Seattle and Oregon.

With so much to discover, many Nevadans turn to RVs to enjoy those adventures more comfortably. However, an RV is not a small purchase and there are several things to consider before buying one.
4/7/15

How will Big Businesses Impact Life for Nevadans?

Kristina Kraus
Greater Nevada Credit Union
For years, the Reno-Sparks area hasn’t been known for much more than its gambling and tourism, but recently there has been growth in our state’s technology industry. Nearly all of us in northern Nevada know Tesla is moving in, but we can’t forget about Apple, which made its deal first in 2012 and now Switch, which was recently announced to be bringing the world’s largest data center to town.

Each of these businesses moving here are great victories, though the real question is how will they impact our lives as residents?
1/26/15

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

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

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 til 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

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.

08/29/2014

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
07/25/2014

Grocery Bills Bumming You Out? Start a Garden!

Wende Dahlsten
Greater Nevada Credit Union

I’m the first person to admit that I have a brown thumb. I do however turn green with envy when I visit a friend of mine who has every variety of tomato known to man, growing in abundance all over her back yard. Luckily she shares her bounty with me, which is great because the cost of produce has skyrocketed due to the 3-year draught in California. The cost of lettuce is up 34%, grapes 21%, (wait did I just read that right? Grapes are up 21%....what is that doing to the wine market?). Before we panic…let’s take a look at some money saving ideas to calm our nerves.

06/20/2014

Father’s Financial Wisdom: Things I Learned From Dad About Life

Wende Dahlsten
Greater Nevada Credit Union

Father’s Day is around the corner. It’s a day to honor and celebrate the men who raised us – and for some of us it’s a bittersweet holiday. My dad left this earth 5 years ago this July, and I miss him every day. I was lucky to have such an amazing role model and confidant for 41 years. It’s never long enough; I never stop needing my father’s wisdom.

06/13/2014

What is Home Equity and How Can You Make it Work For You?

Kate Robinson
Greater Nevada Credit Union

The goal of this blog is to provide information that will help you Live Greater financially. Sometimes banks and credit unions take it for granted that consumers understand all of their financial lingo, but I know from personal experience that’s not always true. So this week I am going to address a question some of you may have about a commonly used term: home equity.

05/23/2014

How to Combine Your Finances After Marriage

Kate Robinson
Greater Nevada Credit Union

Since we talked about weddings last week, let’s look this week at one of the most important topics a newly married couple will have to wrestle with – managing the finances together. If you’ve been single for a while, the reality of suddenly having to make mutual earning, spending and saving decisions can be a bit difficult to overcome. We’re going to look at different methods couples use to manage their finances, and tips for making that transition successfully.

05/09/2014

Money-Saving Ideas for Wedding Planning

Kate Robinson
Greater Nevada Credit Union

Warm weather is upon us and with it comes wedding season. The parks and golf courses and sandy beaches of our lovely state will soon be the scenes of many a blushing bride taking her vows. If you’ve ever been involved in planning a wedding, you know the details can be endless – and expensive. These money-saving ideas can help you make sure your special day is care-free, and you start the marriage off right; without a stack of bills to pay.

05/02/2014

Spring Cleaning: Get Rid of Bad Financial Habits

Kyle Brice
Greater Nevada Credit Union
With the economy bouncing back, so are many of our bad financial habits. According to an article posted by Nasdaq the number of Americans spending more and saving less has increased by 28 percent over the past five years. Since spring is a time of new beginning and growth, what better way to start fresh than by doing some spring cleaning for financial practices. This list includes some bad habits you may have been guilty of (I certainly have been). Break out your dusters and rubber gloves, and let's get started!
04/18/2014

What is a First-Time Homebuyer Program and Is It Right for You?

Kate Robinson
Greater Nevada Credit Union
Making the leap from renter to homeowner is the experience of a lifetime. It runs the whole gamut of emotions from exciting (touring potential homes and decorating them in your mind) to exhausting (offers, counter-offers, escrows and  paperwork). Doing your homework ahead of time can make all the difference in your home buying experience, and it’s well worth the effort. If you’re about to start down that road, and this is your first time, there are plenty of resources to help guide you. Our Steps to Buying a Home blog, for instance, is a great place to start (and has a cool chart). Many  financial institutions also have programs in place designed to help first-time homebuyers overcome some of the obstacles they might face. There are also government programs created for the same purpose.
04/04/2014

Ten Ways to Stay in Shape while Staying on Budget

Kyle Brice
Greater Nevada Credit Union

Beach season is right around the corner, and though lots of us are determined to get in better shape, gym memberships can be expensive (especially if you're like me, and signed up for your membership right before the gym slashed the prices in half, leaving me full of resentment and potato chips). So, I did a little research on ways we can all save money on getting in shape.

04/11/2014

9 Simple Ways to Save Money on Energy Costs

Kyle Brice
Greater Nevada Credit Union
USA Today recently published an article saying winter energy bills have increased nationwide, anywhere from 5% up to 54% depending on the energy source. On top of that, natural gas, which heats about half of American homes, recently hit a five year high. If you’re anything like me, you can’t wait for warm weather so you can stop worrying about winter energy bills. But even though it can’t be summer all the time, some simple changes can still save you a lot of money:
03/28/2014

What You Need To Know About Taxes and Deposit Account Interest

Patrick Russo
Depositaccounts.com
It may come as no surprise, but the IRS taxes the interest paid to you on your basic deposit accounts as taxable income. Financial institutions that pay you more than $10 in interest (or dividends as they are called at Greater Nevada Credit Union) on your deposits in a given year are required to report that amount by filing a Form 1099-INT. Even if you do not receive a copy of the 1099-INT filed by your financial institution, the IRS still expects you to report the interest income earned. If you have not yet filed your 2013 tax returns (and even if you have), it may help you cover your bases to be aware of some tax policies that affect your basic deposit accounts.
03/14/2014

7 Tips for Buying Your Next New Car

Kate Robinson
Greater Nevada Credit Union
It might start with something falling off your car… maybe something small like the handle to control the seat tilt. You may start noticing worn through spots in the carpet or upholstery, or it may just be that a newer, shinier model catches your eye. Whatever it is, once you get the “new car” itch, it’s only a matter of time before you’re kicking tires at the local dealership, looking for your upgrade.
02/21/2014

What’s in a Credit Score… And How to Manage Yours

Kyle Brice
Greater Nevada Credit Union

Credit Score is an ominous term. Advertisements for credit score websites are always trying to sell you something to fix it, while payday lender advertisements tell you it doesn’t matter because you’re already approved. If you’re in Generation X your credit score probably took a beating during the recession, and if you’re a millennial, like me, you probably have no idea what your credit score is, let alone what it should be.

12/19/2013

Steps to Buying a Home (It’s Not as Scary as You Think)

Kate Robinson
Greater Nevada Credit Union

At Greater Nevada we help people buy homes every day.  That’s how we know it can seem pretty intimidating. If you’ve never bought a home before, or you haven’t in a long time, or you don’t think you can because of X, Y, or Z, we’ve got good news. The journey from here to homeownership isn’t as dark and scary as it may seem on the surface.

09/12/2013