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Anyone can be a victim of consumer fraud and identity theft, including you. According to... Read More November 16, 2018
Did you know we have youth account for kids all ages? Have your kids start... Read More November 15, 2018
5 Holiday Apps to Save Your Sanity https://www.greatbasin.org/15388/holiday-apps-save-sanity/5 Holiday Apps to Save Your Sanity Smartphone... Read More November 14, 2018
5 Holiday Apps to Save Your Sanity November 14, 2018

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As you probably know, credit unions are financial cooperatives owned by the members that bank... Read More November 13, 2018
Board Member Spotlight: Kathleen Plambeck November 13, 2018

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Join us tomorrow night at the Sparks Crossing Branch for this free talk and get... Read More November 13, 2018
Here are some Bens to make your bankroll healthy, wealthy and wise. Credit union members... Read More November 9, 2018
We will be closed November 10th through 12th in observance of Veterans Day. Thank you... Read More November 9, 2018
Enterprise Car Sales is saying “Thank You” to those who serve, have served, and their... Read More November 8, 2018

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5 Holiday Apps to Save Your Sanity

5 Holiday Apps to Save Your Sanity

Smartphone apps that may help minimize the stress.

 

 

As we get closer to the holidays, the stress of making sure everything is in order usually intensifies. So many of my clients are overwhelmed with finding ways to manage all that comes with the season, like finding the perfect gifts, hosting parties, and trying to stay within budget. To help with this, I figured I’d share a few smartphone apps I’ve recently discovered that may help minimize the stress! 

Here’s hoping one or all of these apps can bring you some much needed relief this holiday season:

  1. Red Stamp (Android, iOS – free). I know more and more people are going the route of taking professional family pictures and sending out customized photo holiday cards, but both the expense and stress of coordinating these efforts can be high. You can create physical cards with ease using this app. Or, if you’re in a pinch for time or money, you also have the option to simply download the final image and share it on social media, or email it directly to friends and family.
  2. Picniic (Android, iOS – free, with optional subscriptions). This app is not designed just for the holidays, but it sure does come in handy during the busiest time of year. It’s a family organizer that you can use to coordinate your family’s crazy schedules, to-do lists, gift shopping, neighborhood or company party details and everything else. Everyone is able to stay on the same page with a shared calendar, family locator and a user-friendly dashboard showing what’s up next.
  3. Giftster (Android, iOS – free). This app takes the guesswork out of gift giving! Like the Picniic app, Giftster can be used throughout the year. Since most gift giving is done during the holidays, its most beneficial time is now. Users can set up wish lists of items they’d love to receive and email a link to the list(s) to their contacts. Once gifts are purchased, they drop from the list so no duplicate gifts are given.
  4. The Christmas Gift List (Android, iOS – free). This app is essentially a digital notepad for all of your shopping, budgeting and gift giving needs. You can create gift idea lists, take pictures of ideas you have and link to items available online. Items can later be marked as purchased, received or shipped, the costs subtracted from your budget and the gift checked off as wrapped and presented once it’s been done. It will help you to not forget what you’ve purchased, go over budget or lose track of who gets what ever again!
  5. Santa Video Call and Tracker (Android, iOS – free). Once you get a handle on the more chaotic elements of the holiday season, it’s time to take a moment to enjoy some of the magical moments with children. This app not only tracks Santa’s whereabouts on Christmas Eve but allows children to run test flights of Santa in his sleigh leading up to the big day. You can help them make and receive calls to Santa himself and even leave messages of their wish lists on his voicemail.

Hopefully these apps will help your holidays run a little bit smoother. Feel free to pass these along to anyone you think may need the same relief.

steve

Steve Lindquist 
stevelindquist@peakfns.com 
Financial Consultant
9600 S McCarran Blvd
Reno, NV 89523 
(775) 789-3140

www.gbfinancial.org/

Steve Lindquist is a registered representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 9600 S McCarran Blvd., Reno NV 89523.

Investments are not deposits; not FDIC/NCUSIF insured; and not insured by any federal government agency.  No credit union guarantee.  May lose value.

 

Board Member Spotlight: Kathleen Plambeck

As you probably know, credit unions are financial cooperatives owned by the members that bank with them. For this month’s Board Member Spotlight, we would like to share with you a little bit about Kathleen, a volunteer for Great Basin Federal Credit Union’s supervisory committee.

Kathleen Plambeck has been a supervisory committee and board member with Great Basin Federal Credit Union since 1991. Kathleen is a certified internal auditor who has worked for the gaming and banking industries with over 20 years experience. Kathleen’s current position at Great Basin is Chair of the Supervisory Committee.

Mrs. Plambeck is a Reno Native who graduated from the University of Nevada, Reno with a degree in Accounting. Kathleen has worked for the Gaming Control Board, the MGM Grand, American Federal Savings and John Ascuaga’s Nugget. She currently is a Tax Preparer and Accountant at Wildcreek Business Services.

We are so thankful for all the hard work Kathleen puts in as a volunteer! Check out the rest of our blog for other Board Member Spotlights and other tidbits on everything from saving for the holiday’s to preparing your home for winter!

6 things to get your home ready for winter

We’ve all heard of spring cleaning, but what about winter prepping? With winter just around the corner (time flies when you’re having fun) now is a good time to begin thinking about what you need to do to prep your home for winter. Don’t wait until the first snowfall and get surprised when your BBQ is buried in snow!

Here are 6 things to get a head start on prepping your home for winter:

1. Start Putting Away Outdoor Furniture
Even though we have a few warm nights left, I like to start putting away my patio furniture, outdoor rugs and cushions ahead of time to avoid them getting drenched. Or at least start to think about it. You know what that means… cleaning out the garage AND clean up the yard of all junk and debris – yes that includes the gutters.

2. Change the Furnace Filters
If you have furnace filters in your home, remembering to change these frequently is important, especially before you start using that rusty old heater again. If you can’t see light through your filter when you hold it up to the light, you need a new one.

3. Unscrew the Hoses
Set a reminder for yourself to drain and unscrew your hoses to avoid freezing of those pipes!

4. Prep for your Animals
This may or may not apply to you, but if you have animals, a barn, or something of that sort – you have some major prepping to get done. An employee of ours has a ranch with cows, horses, goats, turkeys, dogs, and chickens. It can get really muddy and yucky during the winter time. Once winter comes, it’s too cold to be spending time building and fixing structures. So starting in September, they stock up on hay for the winter and lay lots of gravel down to not track so much mud (which is great for all yards). Also, make sure all the roofs in the coops and horse stalls are secure and ready with on leaks. Makes sure the feeders are secure and ready, too.

5. Fix Leaks
Speaking of fixing leaks, make sure that your home’s roof is also secure from leaks. Don’t forget to close your air ducts and install weather-stripping where needed.

6. Stock Up and Save
In general, you should always have an emergency stock of food, supplies, and funds – for any time of the year! Make sure you check on these stocks to make sure everything you have saved up can still prepare you for an emergency of any kind. Don’t forget things like firewood, snow shovels, salt or ice melt, canned food and water.

The Marvelous Marcy

Meet the marvelous Marcy. In November, she has worked at Great Basin Federal Credit Union for 3 years! We asked her to take a minute out of her busy day as Assistant Manager at the Northwest Branch to tell us all a little about herself.

Favorite movie: The secret life of Walter Mitty
Last song that came on your iPod: “Lay Low” by Josh Turner
Favorite book: Scribbler of Dreams
Where do you see yourself in 10 years: Making memories with my Family
Favorite part about working at Great Basin: The people, and atmosphere. It is an incredibly welcoming and amazing place to work!
Funniest thing that ever happened at work: I was coming back from lunch at the Sparks Crossing Branch, and I fell off the curb and ate it in the parking lot! The video footage is hysterical!
Favorite pastime: Being outside, horseback riding, off road riding, spending time with friends and family.

Marcy’s boss had this to say about her: “Marcy is very dedicated to her members and staff. She is such a pleasure to have around and truly values the relationships she builds with her members and employees. We are so lucky to have her here at the NW branch. Thank you Marcy for all that you do!”

Aren’t we lucky to have a gal like Marcy.

Congratulations to Marcy on this huge accomplishment! Here’s to 3 more great years!

Surprising things medicare doesn’t cover

Senior backpackers

Surprising things medicare doesn’t cover

According to recently published retiree healthcare cost estimates,1 a 65-year-old couple in 2018 can expect to pay $280,000 in healthcare costs in retirement.

That’s a 75% increase over the 2002 estimate of $160,000. As healthcare costs continue to rise faster than the rate of inflation,2 many retirees find themselves facing unanticipated costs that Medicare doesn’t cover. That’s why factoring healthcare costs into your retirement planning is so important. While Medicare Parts A and B (“original Medicare”) cover about 80% of certain healthcare costs in retirement, including hospitalization and doctors’ visits, you’re responsible for covering the remaining 20%, which can add up quickly. Also, keep in mind that Medicare does not cover some of the highest costs retirees may incur in retirement – long-term care and nursing home costs. However, beyond these big-ticket items are a range of healthcare services that many people are surprised to learn are not covered by Medicare. 

Medicare Parts A and B (“regular Medicare”) doesn’t cover: 

  1. Outpatient prescription drugs. However, you can purchase a separate Part D prescription-drug policy or a Medicare Advantage plan that covers both medical and drug costs. (Some retiree health-care policies cover prescription drugs, too.) 
  2. Dental care, including routine dental visits, teeth cleanings, fillings, dentures or most tooth extractions. Some Medicare Advantage plans cover basic cleanings and x-rays, but they generally have an annual coverage cap. 
  3. Routine eye exams, glasses and contact lenses. Exceptions include an annual eye exam if you have diabetes or eyeglasses after having certain kinds of cataract surgery. Some Medicare Advantage plans provide vision coverage, or you may be able to buy a separate supplemental policy that provides vision care alone or includes both dental and vision care.
  4. Routine hearing exams and hearing aids, which can cost several thousand dollars. Some Medicare Advantage plans cover hearing aids and fitting exams, and some discount programs provide lower-cost hearing aids.
  5. Medical costs incurred outside the U.S., except in very limited circumstances. Some Medicare Advantage plans cover emergency care abroad and certain Medigap plans cover up to 80% of services received outside of the U.S.  
  6. Long-term care services, including assisted living, home health aides, institutional and nursing home costs. The national median cost for assisted living is roughly $45,000 per year, while the average annual cost of a private room in a nursing home is $97,000. But keep in mind, costs can vary greatly by state and region.

While this is not a complete list of items and services that are not covered under original Medicare, it does provide insight into how health care costs can add up to hundreds of thousands of dollars over the course of 25 or 30 years in retirement. If you have questions about how rising healthcare costs may impact your income in retirement, contact the office today to schedule time to talk. 

 

steve

Steve Lindquist 
stevelindquist@peakfns.com 
Financial Consultant
9600 S McCarran Blvd
Reno, NV 89523 
(775) 789-3140

www.gbfinancial.org

Steve Lindquist is a registered representative offering securities and advisory services through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 9600 S McCarran Blvd., Reno NV 89523.

Investments are not deposits; not FDIC/NCUSIF insured; and not insured by any federal government agency.  No credit union guarantee.  May lose value.

 

1https://www.fidelity.com/about-fidelity/employer-services/a-couple-retiring-in-2018-would-need-estimated-280000
2http://fortune.com/2018/02/15/healthcare-prices/
3https://www.medicare.gov/what-medicare-covers/not-covered/item-and-services-not-covered-by-part-a-and-b.html