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
New Year’s Resolution: Spend Less, Save More

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
Be a Local Hero: Eat, Shop, & Be Local

Be a Local Hero: Eat, Shop, & Be Local

Kristina Kraus
Greater Nevada Credit Union
With the recent flurry of holiday shopping that has occurred, you may have heard in the news to think twice about where you shop. The city of Reno created a page to support the locally-owned stores during this heavy shopping season. But why take the time to buy from a local business when everything is a click away these days or can all be gathered at a large retailer? Whether you’re shopping for electronics, clothes or even groceries, just about everything fathomable can be purchased online. Find out why buying local can be of a greater benefit to you and your community. 
12/26/14
Why get a personal loan when I have a credit card?

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.
12/19/14
Is the End of the Year the Best Time to Buy a Car?

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.
12/12/14
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