Supporting Image for How to Keep Holiday Expenses Under Control

How to Keep Holiday Expenses Under Control

Greater Nevada Credit Union
It may not be fall yet, but the holidays seem to start earlier and earlier every year. And the sooner they start, the sooner our wallets and bank accounts begin to suffer. However, just because the holiday season has become longer over the years, it doesn’t mean that our holiday budgets have to expand with it.
 
Follow these tips to prepare for future holidays and keep your holiday expenses under control.
 
9/1/17
Supporting Image for 7 Ways to Get Organized This May

7 Ways to Get Organized This May

Bennett Queen
Greater Nevada Credit Union
Can you believe that it’s already May and almost half of the year has gone by?  If you’re like me, then I bet you still haven’t achieved your New Year’s resolution of “getting organized,” but don’t worry, you’re in luck! We’ve got seven great ideas to get you organized and keep your life on track for the coming months. 
 
05/02/17
Supporting Image for Managing Money Wisely

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.
04/20/17
Supporting Image for Are you thinking about refinancing your mortgage?

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.

04/10/17
Supporting Image for Take an Affordable Spring Break Trip in Nevada

Take an Affordable Spring Break Trip in Nevada

Bennett Queen
Greater Nevada Credit Union
Sunny days? Higher temperatures? What is this? It almost feels like spring is in the air! Right about now you should be trading in the snow pants and thermals for a light jacket and dare I say,…shorts? 

Spring is one of my favorite seasons, mostly because of the weather but there are some people who enjoy having one or two weeks off (I’m looking at you Nevada students). A lot of working parents also decide to take time off and plan a trip to take advantage of family time, but what if that family trip to Disneyland just isn’t in the budget right now? If you want a more affordable spring break option, we’ve come up with our four favorite spring break destinations that are right in our own backyard.
03/20/17
Supporting image for Smart Money

Smart Money: Best Moves for 20-Something Investors

NerdWallet

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.

1/12/17

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

Savings 101: What Is a Share Certificate?

NerdWallet

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.

11/03/16

With rising car prices, what are my options?

Bennett Queen
Greater Nevada Credit Union
Looking for a new car can be an exciting process, but also a frustrating and confusing one. There are certainly a lot of options: “Should I buy a new car?” “Should I buy a used car?” “Should I lease?” “Am I better off biking?” The following are some tips when shopping for a new car, whether you’re a seasoned veteran or a first-time buyer.
10/19/16

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. 
8/19/16

It’s Never Too Early to Start Saving, Even in Your 20s

Brittany Flores, Member Service Representative
Greater Nevada Credit Union
You’re in your twenties, young and full of energy, ready to take on the world. And probably by now, you’ve even started making a little money for yourself.  And that’s great! But if you’re anything like me, you’re probably thinking, “So... What should I do with it?”
 
Don’t worry. There are tons of people new to the “adult game.” To give you a hand, we’ve listed out a few options so you can decide what best fits your savings lifestyle.
2/26/16

Making Your Resolution Stick: Reaching Your Financial Goals

Kristina Kraus
Greater Nevada Credit Union
Each year, roughly 45% of Americans make a New Year’s resolution. The third most common resolution is to ‘spend less and save more.’ Saving more is always a great goal though few actually stick to it. Reaching your financial goals is quite an accomplishment, so don’t give up on it. To make your resolution stick this year, follow these steps:
1/6/16

How to Save Time and Automate Your Savings

Kristina Kraus
Greater Nevada Credit Union
Time and money are precious. Thanks to enhancements in online and mobile banking, we can get back some time and even increase our savings while we’re at it.

Set up Online Banking and Mobile

Can you believe it? In 2013, only 51% of adults used online banking. And according to the Federal Reserve’s 2015 Consumer and Mobile Financial Services report, only 39% of all mobile phone owners with a bank account have used mobile banking in the past 12 months. That’s a lot of people who are probably spending more time and money than they need to.
 
10/28/15

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

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.
 
9/04/15

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 even detect zombies. Beyond entertainment, today’s mobile applications can also help you get organized, especially when it comes to personal finances.
5/18/15

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?
2/12/15

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

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

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

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.
08/08/2014

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.
08/01/2014

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

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

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

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.

04/25/2014

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 is an IRA Anyway?

Kyle Brice
Greater Nevada Credit Union
Since we’re deep into tax season, the one time of year when people think about their retirement accounts and investments, we thought we’d try to shed some light on one of the least understood types of investment products – the IRA. For many folks, the IRA is a vague “way to save money”, complicated, misunderstood and overwhelming. So let’s take some of the mystery out of it. The basics: 
02/28/2014

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