Scholarship Myths Busted

Scholarship Myths Busted

Kristina Kraus
Greater Nevada Credit Union
Many students want to further their education, though they think they can’t afford it or that they won’t qualify for a scholarship. Often the thought that you have to be super smart, a great athlete, or one of many other myths, makes people give up from the start.

The reality about scholarships is that there’s plenty of money to go around. According to the College Planning Services, $46 billion in free scholarship money is awarded each year by the Department of Education and another $35 million is available through private companies. With that much being awarded each year, there’s a good chance you can get a piece of it.

Let’s take a look at some of the most common scholarship myths and how you can bust them.
3/30/15
Property Damage? What Do You Do Next?

Property Damage? What Do You Do Next?

Stacy Kennedy, Loan Servicing Manager
Greater Nevada Mortgage
In the past few months, many of us in northern Nevada have experienced some pretty gusty winds. In fact, although we don’t live next to the ocean, I’d say with 90 plus miles per hour winds that we even experienced a hurricane!
 
With these strong winds, unfortunately, we saw a lot of damage to roofs, fences, and even entire barns and mobile homes that were blown down. Furthermore, with the most recent wind storm that blew through the Carson Valley area of Gardnerville and Minden, several people are still dealing with the damages.
 
Many of us know to call our insurance company but if you own a home, you should also call your mortgage company too. Follow these steps for what to do if you have property damage.
3/20/15
The Affordable 21st Century Wedding

The Affordable 21st Century Wedding

Kristina Kraus
Greater Nevada Credit Union
It is no secret that weddings can be expensive, though some of these costs come from long-held traditions that we don’t necessarily need to follow in the 21st century .  So before planning something traditional yet expensive for your wedding, consider your options.
3/13/15
​10 Tips Every Car Buyer Should Know

​10 Tips Every Car Buyer Should Know

Matt Campbell
Creative Consultant for Lexus of Las Vegas
1. Explore your financing options in advance.
This includes discussing whether you prequalify for a loan with your bank, credit union or the dealership. Taking this step will help avoid later confusion about which vehicles are in your price range. Banks and credit unions are a good place to start as they often have great rates and this lets you shop around and negotiate purchase prices without having to worry about dealership loan rates, too.
3/06/15
Are You an Emotional Spender?

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.
2/27/15
The Best Financial Institution for Today’s Millennials

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 of 10,000 of them, 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? 
2/20/15
How to Plan a Valentine’s Date You Can Afford

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
How will Big Businesses Impact Life for Nevadans?

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
Unsolicited Calls, Texts & Emails – Protect Yourself from Phishing Scams

Unsolicited Calls, Texts & Emails – Protect Yourself from Phishing Scams

Kristina Kraus
Greater Nevada Credit Union
It’s sad to say but many of us have experienced, or at least know someone who has had their credit card or debit card information stolen. In our digital age, we no longer fear the purse snatcher but instead have to worry about cyber thieves stealing our money or identity.

When you think of your information getting stolen, you might think it’s due to an online shopping incident or a gas station that got hacked. However, in today’s rapidly changing world it’s not just those types of circumstances anymore.

When internet frauds trick you into giving up your personal information, this is called phishing. You can be the victim of a phishing scam from all sorts of ways, such as through an email, a phone call, or even a text message. Learn how to identify these scams and take preventative action.
1/16/15
The Trick to Buying Your Next Home

The Trick to Buying Your Next Home

Kristina Kraus
Greater Nevada Credit Union
Recently having moved to Northern Nevada and currently trying to sell my old house, I have begun my research on how to go about buying my next one. Plus, with the holiday hump over, the housing market will start to pick up soon with more options available, so I decided it would be good to have my ducks in a row.

There are several factors to consider when house shopping, but I have compiled the main ones to remember here:  
1/09/15
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