Budgeting Christmas Gifts

Preparing for the Holidays

California / Nevada Credit Union League

Before you know it, the winter holidays will be here! And with it comes joy, family time, and often, money worries and stress.

One way to help avoid that last part is something you may have heard often: develop a budget. Seems simple, but many people don’t do that, and it often leads to overspending, debt, and financial stress.

Woman using her checking account to mobile deposit

7 Things to Consider When Choosing a Checking Account

Anita Good
Greater Nevada Credit Union
Today’s checking accounts run the gamut from basic to offering rewards and higher yields. If you’re looking to find the account that’s right for you, consider these 7 things:
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What is Person-to-Person Payment?

Cailey Gibson, Digital Solutions
Greater Nevada Credit Union
Person-to-person, or a ‘P2P’ payment, is a term you may have heard in conversation or mentioned in passing. This new form of payment is a way to send or request money from your friends and family, or pay bills via an app faster and easier. For instance, if you go out to lunch with a friend, you can pay them through a P2P payment app and all you need is your friend’s phone number or email.
Emergency Savings Piggy Bank


California / Nevada Credit Union League

Financial experts frequently advise people to set aside in an emergency fund enough money to pay for between six and nine months of living expenses.

Recent surveys show many Americans don’t have an emergency fund of even $400. What if this is you and you’re broke and in debt? What do you then? Here a few tips that may help:

Woman Grocery Shopping with Coupons


California/Nevada Credit Union League

CONSIDER THIS: The government’s Consumer Price Index estimates prices for groceries will rise by 1 to 2 percent in 2018. For some products, prices could go even higher. For example, the prices for chicken and avocados are expected to go up.

So how do consumers put food on the table without breaking the bank?

Below are some tips for finding the best deals on groceries:

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Getting Help with Debt

Greater Nevada Credit Union

Are you having trouble paying your bills, getting notices from creditors or worrying about losing your home or vehicle? Many people face some type of financial challenge at some point, whether it’s related to a health crisis, job loss or other factors. However, help is out there, though you need to proceed with caution. Let’s take a look at some of these options.

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Resetting Your Budget after the Holidays

Greater Nevada Credit Union

Now that your holiday spending is winding down, does it feel like you’ve overspent once again? If so, this is a perfect time to get back on track and even prepare for a more affordable season next year. Let’s get started!

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Learn the Basics and Benefits: Personal Loans 101

Bennett Queen
Greater Nevada Credit Union
When you were a child, did you ask your parents for ten dollars because you wanted to buy something that you couldn’t afford? Did they reply, “Okay, but you’re going to have to pay me back, plus interest.” If they did, they were teaching you a valuable lesson about borrowing. There are many types of loans. There are loans used to purchase a home (mortgage), loans used to purchase a car (auto loan), and even loans used to finance your way through college (student loans).  Unlike these, personal loans aren’t used for specific purposes. If you’re unfamiliar with what a personal loan can be used for, or if you’d like a refresher course, read on to find out more!
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Five Tips to Help You Land Your First Professional Job

Bennett Queen with help from Jaime Guerard
Greater Nevada Credit Union
Landing your first job out of college can be a long and anxious process. We enlisted the help of GNCU’s Recruitment Specialist, Jaime Guerard, to help make it a little easier for you. Here are five tips to help you land that job.
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National Credit Union Youth Month: Managing Money Wisely

Bennett Queen
Greater Nevada Credit Union
When did you first learn about money? Many people are taught the value of a dollar at a young age, and that then shapes the way they spend money the rest of their lives. April is National Credit Union Youth Month, and across the nation credit unions are promoting the importance of teaching youth ways to earn, spend, save, and manage money wisely. These lessons are important for kids and even a good reminder for adults, since these principles often aren’t taught in school. Below is an overview of how you can instill good money habits in your kids, no matter what age.
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Are you thinking about refinancing your mortgage?

Bennett Queen
Greater Nevada Credit Union

If you haven’t thought about refinancing yet, maybe it’s time to look into it. According to Mortgage Professional America (MPA), American homeowners are missing out on $5.4 billion by not refinancing as mortgage rates have dropped. There can be a lot of benefits to refinancing your mortgage, but how do you know if it’s a good idea for you? To help you make that decision, let us fill you in on the different types of refinances and the questions you should ask yourself to determine if you are ready.

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Why it’s Important to Evaluate Your Auto Insurance

Bennett Queen
Greater Nevada Credit Union
Nobody likes paying insurance premiums, especially when you find out that you don’t have the right coverage when you need it.

Imagine this: After a long day at work, you drive home on an unusually stormy Nevada day and think “I haven’t seen this much rain in years.” Then you get home and find that fierce winds have knocked down that towering pine in your front yard onto your other car, leaving you with a wreck and large headache.  Will your insurance cover that damage?
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What is Financial Planning

Bennett Queen
Greater Nevada Credit Union
According to CNBC, 33% of Americans have done no planning when it comes to their financial futures. Another 58% believe that their financial plans still need some TLC. For those of you included in this 91%, we thought it might be time for a refresher on what “financial planning” is and why it matters.
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Back to School Banking 101

Bennett Queen
Greater Nevada Credit Union

Winter break is almost over and soon many Nevada college students will head back to school for new classes, new teachers, and maybe even a new budget.

College is one of the fastest changing times of our lives and often the first time living away from home. Being on your own can be fun, though it can also lead to more stress if you don’t know how to keep your finances in order while keeping your grades up at the same time. Here are a few tips to help keep you on track.

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Smart Money: Best Moves for 20-Something Investors


When it comes to investing early in life, you likely have two things on your side: time and flexibility. Although a 2015 survey found that most millennials don't think they'll have enough money saved for retirement, investing is one way to help build wealth for the future. Here are some of the best investments you can make in your 20s.

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Financial Gifts for the Kids this Season

Bennett Queen
Marketing Coordinator
This Christmas, your kids’ lists may be filled with the latest toys and electronics. What happens when that new gift excitement ends?  You’re stuck with storing all that stuff, which will eventually get replaced next year with the current latest and greatest. There has to be another way, and there is! We’ve got some gift giving suggestions for the kids in your life that will withstand the test of time. 
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Cutting Down on Holiday Expenses

We Own Our Bank
CONSIDER THIS:  While the holidays can be a magical time for children, adults face a plethora of extra expenses. Gifts, food, decorations, the perfect outfit for that holiday party, or air fare to visit family—there’s no denying the holidays can put a dent in the wallet.

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).

Savings 101: What Is a Share Certificate?


With so many financial products available, choosing which type of account to open can be just as stressful as deciding where to open one. For consumers looking for earnings on their savings, one of the options that credit unions offer is share certificates. Here's a brief overview of how they work and some of their advantages and disadvantages.


How to Cut Down Your Monthly Bills

Kristina Kraus
Greater Nevada Credit Union
We could all stand to save a little more money, even if it’s just a dollar or two a day. One of the easiest ways to cut back on expenses is to start with evaluating our various monthly bills. 

What is a Car Title Loan? Is Refinancing Better?

Michelle Hale
Greater Nevada Credit Union
Have you ever passed a title loan center wondering how it all worked and if it was a good idea?  Suppose you own your vehicle free and clear and could use some extra money.  Maybe you have a credit card bill at 22.9% with no end in sight.  You could use your vehicle as collateral (based on the value of your vehicle) to pay that bill by obtaining a car title loan. 

Emergency Funds: Why You Should Have One

Kristina Kraus
Greater Nevada Credit Union
Most days are pretty routine, though every now and again life throws us a curveball. And those curveballs usually come with a cost; that’s why having an emergency fund is so important. Let’s take a look at some things that can happen where some extra cash, as well as extra protection, can soften the blow.

How to Save Money on Insurance

Kristina Kraus
Greater Nevada Credit Union

Insurance can help us protect the things that matter, from our home and cars to our kids and pets. That’s why it’s so important to take time to make sure you have the right coverage throughout the different stages of your life.

Before you automatically renew your insurance, next time take a moment to make sure you’ve got the right policies and at the right price. 


Cutting the Financial Cord on Your Kids

Kristina Kraus
Greater Nevada Credit Union
It’s natural to want to support your kids, but you don’t want to get stuck paying their phone bill and car registration when they’re out of college and almost turning 30. Many parents struggle when it comes to cutting their kids off. They think there is some magic age when they should stop the financial support, but the question shouldn’t be “when,” it should be “how.”

Because we are all raised differently and face our own life challenges, there is no exact roadmap on how to do this. There are some basic guidelines, however, that can be followed in order to ease off on the financial support.

How to Ask for a Raise

Kristina Kraus
Greater Nevada Credit Union
We all have to work for a living (or at least most of us do). Even though we need a paycheck to survive, asking for a raise is the last thing most people want to do because it can be an uncomfortable thing to do. In fact, many employees would rather look for a new job than ask for a raise.

If you think you may be ready to ask for a raise, take a look at some of the top considerations employers look for when contemplating a pay increase:

How to Avoid Banking Fees

Kristina Kraus
Greater Nevada Credit Union
No one likes to pay banking fees, and there are many ways to reduce, and even avoid them, by doing a few simple things.

Use Account Alerts Instead of Overdraft

Sure overdraft protection can save you from embarrassment and inconvenience, like being declined at the store when you don’t have the funds in your account to cover a purchase, but it comes at a price. Instead, set up account alerts at your financial institution to get notified about your account activity and balances. For example, you can set up alerts to notify you if your account drops below a certain amount, so you can quickly transfer money into it. 

The Best Apps to Help You Budget

Kristina Kraus
Greater Nevada Credit Union
Many of us can remember playing Snake on our Nokia phones back in the late 1990s. By 2008, there were 800 applications and games available for download in the App Store. Six years later, there were 1.4 million apps users could choose from, including apps to identify songs playing on the radio, edit videos, and more. Beyond entertainment, today’s mobile applications can also help you get organized, especially when it comes to personal finances.

Easy Ways to Teach Your Kids About Money

Kristina Kraus
Greater Nevada Credit Union
Teaching kids about money can be challenging. You can’t just give them an article out of the Wall Street Journal about finances and expect them to understand it. Kids also have a very short attention span, so when grandpa lectures them on the importance of saving their money, they probably aren’t listening.

All kids know is that they want something and they want it now. So how do you teach them important life lessons and make sure they are paying attention?  Take a look at these simple tips to help your kids learn about money

Are You an Emotional Spender?

Kristina Kraus
Greater Nevada Credit Union
Many of us can say that at one point or another we have been guilty of emotional spending. For me, it’s after I’ve had a rough day and don’t want to cook so I decide to treat myself by going out to eat. Once in a while is okay, but it can become a bad habit for some and get out of control.
We all have different reasons for emotional spending but some of us don’t even realize how much we do it. So how can you tell if you are an emotional spender? Ask yourself these basic questions and decide if maybe you need to give your credit card a break.

The Best Financial Institution for Today’s Millennials

Kristina Kraus
Greater Nevada Credit Union
Millennials are classified as anyone born from 1980 through the mid-2000s and are currently the largest generation in the US population. They are independent, have a substantial amount of buying power, and they have grown up with the world (the internet) at their fingertips. Currently, most millennials are about 25 years old which means they have several big financial decisions headed their way — buying their first home, marriage, and getting a new car all while establishing their careers.

Millennials are at that point where they need a reliable financial institution. According to a recent poll by Fast Company of 10,000 millennials however, they can’t stand banks. So where else does one turn? Being a millennial myself and recently needing financial services, I had to make the decision on whom to bank with and after doing my homework I chose a credit union. But what makes credit unions a perfect fit for millennials? 

How to Plan a Valentine’s Date You Can Afford

Kristina Kraus
Greater Nevada Credit Union
Roses, chocolates, jewelry and dinner all come to mind when planning a Valentine’s date. However they can also lead to money burning a hole in your pocket.  This year, the average American is predicted to spend $142.31 on Valentine’s Day, which is a bit much if you ask me.

You shouldn’t feel pressured to over spend. So how does one plan the perfect Valentine’s without breaking the bank?

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?

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.

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.

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.

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:

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.

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.

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.

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:

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.

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.


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

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.

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.


Child Identity Theft: How to Protect Your Children from Fraud

Kate Robinson
Greater Nevada Credit Union

We’ve talked quite a bit on this blog and on our website about safeguarding your financial and personal information to protect yourself from identity theft. By now, hopefully, you’re careful about web sites you shop on, shredding your bills, monitoring your accounts and all that. But today let’s discuss a type of fraud threat that may not even be on your radar: child identity theft.


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.


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.


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!

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.

Getting the Most Out of Your Tax Return

Kate Robinson
Greater Nevada Credit Union

It’s that time of year again… you’ve been working hard like a responsible citizen all year long, paying taxes dutifully, and now you get a little bit of it back. It feels like free money, but remember: this is your money that you earned! Don’t blow it on a fancy TV and go back to living paycheck to paycheck. Here are a few suggestions for how to make the most out of your tax return with investments that will last.


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:

What You Need To Know About Taxes and Deposit Account Interest

Patrick Russo

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.


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.

Five Types of Debit Fraud and How to Protect Yourself from Them

Kate Robinson
Greater Nevada Credit Union
The recent Target card breach, has, like famous card breaches before it, shone a spotlight on the possibility of debit card fraud for many Americans.

Talking With Your Kids About Finances: It's Never Too Early

Kate Robinson
Greater Nevada Credit Union
When I graduated High School, I didn’t wait long to start making my own way in the world. I’d always been driven and independent, so rather than making the most of my parents’ free room and board, I immediately joined the military, moved across the country and began earning paychecks. My parents raised me with a solid foundation in nearly everything, but if they fell short anywhere it was in preparing me for financial success. We’d struggled to make ends meet for much of my life, and I had no idea what I was doing, or how to implement good financial habits, until years later when I began working for Greater Nevada, where I now teach financial literacy to youth and adults.

Get Your Stuff, Keep Your Identity: A Guide to Safe Holiday Shopping

Patty Chang
Greater Nevada Credit Union

‘Tis the season to be jolly! And a big part of the season is holiday shopping. If you're a crack-of-dawn-Black-Friday type, holiday shopping can be a lot of fun, buying gifts you know will bring joy to the ones you love. It can also be a hectic time, where you cut in line at black Friday, snatch the last Playstation 4 and try to make it out of Wal-Mart before an angry mob erupts. Either way the season won’t be as merry and bright if you are a victim of holiday fraud. So here are a few tips to keep your identity (and you!) safe and secure while holiday shopping.


Holiday Saving Tips: Spend Less & Enjoy More

Kate Robinson
Greater Nevada Credit Union

It’s September 26 and you know what that means… 90 days till Christmas! In case that number isn’t scary enough, try this one: For many of us that means six paychecks until Christmas (Scarier? You’re welcome). But don’t panic. Even if you’re not one of those ultra-responsible people with Christmas Club accounts who started saving in January, you still don’t have to break the bank. There are tons of holiday money-saving tricks. Here are some ideas:


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.


10 Ways to Stand Out in Your Job Search

Lately, I’ve seen quite a few Facebook posts that say things like “I’ve submitted literally hundreds of résumés! When will I find a job?” We all know that the job market is competitive here. Human Resources managers are slogging through piles of applications and résumés for every position, every day. So how do you make them take notice of yours?

10 Ways to Sabotage Your Job Interview

We’ve got good news and bad news. The good news is that Nevada unemployment rates have reached a 3-year low, according to the Bureau of Labor and Statistics, who made this cool graph to prove it.