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

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

Keeping Your Money Safe

Kristina Kraus
Greater Nevada Credit Union
It’s no secret that there have been numerous attacks on major retailers over the past few years. Several websites have also been compromised from scammers who are looking to steal your identity and money. Whether or not you’ve already encountered one of these scenarios, you should take proactive steps to keep your money and identity safe.
10/13/15

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

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

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. 

9/01/15

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.
8/21/15

Back to School Shopping on the Cheap

Kristina Kraus
Greater Nevada Credit Union
Before the school year begins, teachers send out a list of supplies that your children will need in their classes. Initially you may think, how much can a few pens, pencils and notebooks cost? But according to the Huntington Bank Backpack index, the reality is that between school supplies and extracurricular activities, parents will spend an average of $649 for an elementary school child, $941 for a middle school student, and $1,402 for a high school student.  And imagine what that amounts to if you have more than one school age child. Here are some tips for reducing your back to school costs:
8/14/15

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:
7/31/15
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