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Latest News

The 5 Basics of Financial Literacy January 10, 2020

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Holiday Shopping and Information Security December 2, 2019

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2019 Giving Trees are Here! December 2, 2019

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Thanksgiving Tips & Tricks November 5, 2019

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Kids Free San Diego October 16, 2019

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Three Key Steps for Female Entrepreneurs October 16, 2019

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Our Story September 11, 2019

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The Impeccable Irene September 4, 2019

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It’s winning season! Simply use your Great Basin Visa Credit Card, or any other Visa,... Read More September 3, 2019
A rate discount when you purchase from Enterprise and finance with Great Basin is just... Read More August 31, 2019

Featured

The 5 Basics of Financial Literacy

Man sitting at table writing in a notebook while using calculator to calculate numbers

Hi!

How literate are you when it comes to your finances? Brush up with these five basics:

  1. Credit and Debt – understanding how credit and debt work for and against you are some of the first steps toward understanding personal finance. While it’s not useful to be scared of credit and debt and avoid it entirely, there are some things to look out for.
  2. Interest – Interest can work against you, but it can work for you, too. When you take out a loan with an interest rate, it’s working against you, but when you invest early and take advantage of compound interest, it’s working for you.
  3. The Value of Time – It’s never too early to start saving. In fact, the earlier you start, the better your result. By getting started with retirement savings sooner rather than later, you can leverage the value of time to your advantage.
  4. Inflation – Inflation has the potential to eat away the purchasing power of your money. That means, with inflation, the dollar you earn today may not be worth a dollar in the future.
  5. Identity theft and safety – In the modern world, identity theft is one of the biggest threats to financial and personal safety. A cracked password or misplaced Social Security number can have big consequences on your current and future finances.

For more important information on each of these points, I invite you to check out the full article on my website.

Sincerely,

Steve Lindquist

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 a Broker/Dealer and Registered Investment Advisor. 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.

Holiday Shopping and Information Security

online shopping

Hi!

“There’s no place like home for the holidays,” especially if you want to get most of your shopping done online sitting in your favorite chair, sipping eggnog, and basking in the warm glow of your computer screen. If shopping without braving crowds and weather sounds attractive, you’re not alone – many consumers plan to do some or most of their holiday shopping online.

As you can imagine, when online shopping increases, online fraud increases, too. The “bad actors” take advantage of consumers’ expansive goodwill and desire for convenience to harvest their financial information and personal details for their own use. According to Security Magazine,1 the average online shopping fraud in 2017 was $227, and the percentage of fraudulent transactions has been on the rise every year. So, while you’re shopping online, here are some important things to pay attention to:

  1. Shop at trusted websites
    It’s tempting to just search for that hot toy that’s hard to find and then click through to the first website you see. Instead, look for retailers you have shopped with before. As with brick-and-mortar retailers, you can check out online shopping sites at the Better Business Bureau’s website (https://www.bbb.org/). Finally, be sure you are shopping at the retailer’s official site – watch for clever misspellings that may lead you to a decoy website.
     
  2. Make sure the site is secure
    If the site begins with “https” – watch for that “s” at the end – that’s a good sign that the online retailer is using adequate encryption technology, where your personal information will be secure. It can be convenient to register for an account with retailers you shop at frequently, but it’s safest not to let the site remember your credit card number. 

  3. Don’t shop online while using public Wi-Fi
    You might be taking a break at the local coffee shop or waiting for a couple of hours at the airport, and taking advantage of free Wi-Fi, and decide you can knock a couple of gifts off your list. This is not a good time to shop online – free Wi-Fi is unsecured and can allow a nearby bad actor easy access to your accounts and even your passwords and credit card information. Wait until you are connected to secure password-protected Wi-Fi to do any online shopping. 

  4. Pay with a credit card, not debit card
    Most major credit cards limit your liability in case of fraud, so for your online holiday shopping it’s safer to use credit cards to take advantage of that protection. (Do set a reminder to pay your balance in January!) And make sure to check your statements at least once a week and set up any account alerts available on your accounts. 

  5. Pass on deals that are “too good to be true”
    You can get some great deals if you watch carefully, but if something looks too good to be true, it usually is. There are still great deals to be had, but use the tips above to be sure you are shopping at a legitimate online retailer, not a site designed to lure you in and capture your personal information.

Professional identity theft protection can help detect additional forms of identity fraud with existing accounts, or criminal, medical, or Social Security misuse. ID360 is available to you and your family at a substantial discount because of my affiliation with Cetera Financial Group. Visit https://www.id360.com/cetera to learn more. 

Please feel free to reach out to me if you’d like more information about keeping your personal information secure. Thank you for allowing me to work with you to help you pursue your financial goals, and I wish you continued success.

Sincerely,

Steve Lindquist

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 a Broker/Dealer and Registered Investment Advisor.  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.securitymagazine.com/articles/88637-online-fraud-increases-22-during-holiday-season

2019 Giving Trees are Here!

HELP LOCAL KIDS THIS HOLIDAY SEASON!

The Communities in Schools 2019 Giving Tree Program

How it works:
The “Communities in Schools Giving Tree” tags will be available starting November 18th.

  • Please bring presents back to the branch by December 13th.
  • Presents should not be wrapped, we want the families to feel the joy of wrapping the presents!
  • Please only donate NEW items, no used items.
  • Please do not donate food.

WHY DONATE?

When you donate to Communities In Schools, you are donating to an organization that has proven to decrease the dropout rate and increase on-time graduation rates. You are donating to the future of Nevada’s students, and to the future of our state and economy.

Thanksgiving Tips & Tricks

Hi,

For so many of my clients, Thanksgiving Day is the most anticipated family day of the year. But for those tasked with hosting or co-hosting, it can also be the most stressful.

I recently came across some unique tips for meal preparation that can help drastically reduce your stress level and your time in the kitchen. So I’m sharing seven tips and tricks that will hopefully bring you luck while preparing Thanksgiving dinner.

  1. Use a cooler for a mini fridge. Who doesn’t run out of room in their fridge on a normal day, let alone on the biggest meal prep day of the year? So dust off your cooler and place all of the space-monopolizing items from your fridge that you do NOT need this Thanksgiving (like smears, dressings, condiments, you name it) and give them a new, short-term home in your ice-filled cooler.
  2. Use cabinets as recipe stands. There’s no time for flipping back and forth through pages of cookbooks or risking spills on expensive smartphones and tablets. Print off your recipes and tape them to the insides of your kitchen cabinets! They’ll be at eye-level, can be placed in order of your prep needs and will be out-of-sight when cabinets are closed.
  3. Use your local salad bar for chopped ingredients. No one has to know who cleaned and chopped your ingredients! Eliminate hours from your recipe prep time by swinging by your local grocery store’s salad bar and stocking up on items your recipes call for, such as chopped onions, bacon, hard boiled eggs, and trimmed beans.
  4. Use your dishwasher as a potato cleaner. Yes, you heard that right – but make sure you don’t add soap. Since cleaning potatoes can take a chunk of time out of your busy day, you can place your potatoes on the top rack of your dishwasher and run a rinse cycle. 
  5. Use your slow cooker as a mashed potato warmer. With all of your stove top burners locked in as prime real estate, why not transfer the mashed potatoes (once they are completed) to your slow cooker to keep them warm and fluffy. Butter the pot, pour in a little heavy cream, add your potatoes and stir once every hour.
  6. Use your thermos as a gravy warmer. Note everything I said in number five except it’s gravy in your thermos! If your thermos is good enough for coffee and soup, it can surely handle this. 
  7. Use chicken broth to revive a dry turkey. There’s nothing more disappointing than an overcooked, dry turkey. But don’t panic! Warm chicken broth drizzled on top can instantly help moisten it and bring it back to proper serving temperature.

I  hope that by trying one or all of these tips it’ll make everything run a bit more smoothly. If you have unique ways of preparing your big meal, I’d love to add them to this list.

Enjoy your Thanksgiving!

All the best,

Steve Lindquist

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 a Broker/Dealer and Registered Investment Advisor.  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.

 

Kids Free San Diego

Have you ever taken a trip to San Diego, California? It’s such a fantastic vacation destination with a number of attractions to visit. Thanks to our partners at Get Away Today, we get to share some incredible travel deals you can take advantage of this October.

Kids Free San Diego

In honor of the debut of many attractions in San Diego, you can enjoy free admission for kids when you visit during October. Kids Free San Diego is a great way to vacation on a budget.

Kids Free San Diego – Attractions

Kids Free San Diego grants free admission to the following attractions during October 2019:

Kids Free San Diego – Details

Experience scenic, sunny San Diego this fall in a variety of ways, all at a discount when you book with Get Away Today. Here’s a look at what you can expect when you make plans to travel to destinations included in Kids Free San Diego.

SeaWorld

  • Free admission in October for kids ages 3 – 9 with at least one paying adult.
  • Electric Eel – This thrilling roller coaster reaches speeds up to 60 mph. Experience twists, drops and backwards movements on SeaWorld’s tallest and fastest coaster (54 inches and taller).
  • Manta – Feel like you’re floating through the ocean as gracefully as a manta ray. Experience speed, loops and twists! (48 inches and taller)
  • Tidal Twister – Hop aboard the roller coaster that offers upside-down loops and 30mph speeds along a figure 8 track (48 inches and taller).
  • Journey to Atlantis – Climb aboard this water coaster that features speed and splashes (42 inches and taller).
  • Abby’s Sea Star Spin – Fun for smaller guests, this spinning ride is themed after Abby, everyone’s favorite Sesame Street fairy (42 inches and taller).
  • Elmo’s Flying Spin – Soar gently through the sky on one of Elmo’s flying creatures (48 inches and taller)..
  • Shipwreck Rapids – Get soaked on the rapids of this winding river during refreshing family fun (42 inches and taller).
  • Orca Encounter – If you love live shows, check out the Orca Encounter and see these fantastic animals and learn about their lives in the wild.
  • Sea Rescue – To date, SeaWorld has rescued 31,100 sea animals. You can learn about sea animal rescue efforts during this show.
  • Fireworks – Check the SeaWorld calendar during your visit for firework showtimes.
  • Aquariums – Marvel at the wonders of sea life in a number of aquariums at SeaWorld.
  • Halloween Spooktacular – Weekends during October, enjoy trick-or-treating in SeaWorld from 2:30pm until the park closes. There are also live shows, a parade and more to celebrate Halloween.

San Diego Zoo

  • Free admission in October for kids ages 3 – 9 with at least one paying adult.
  • Botanical Tours – You can take a take a self-guided tour through botanical gardens. Or hop onto the bus for a scheduled tour at 2pm on select dates.
  • Wild About Animals Show – 3pm daily you can attend this show and meet the Zoo’s head honchos, their animal ambassadors!
  • 4-D Theater – Showing daily, 4-D films offer a chance to sit down and enjoy some air condition. Check the San Diego Zoo calendar to see what’s showing during your visit.
  • Animal Encounters – There are dozens of animals to enjoy at the Zoo, including wolves, lemurs, monkeys and more.
  • HalGLOWeen – This event is hosted on select days in October, providing evening fun with acrobats, jugglers, treats and lots of lights.

San Diego Zoo Safari Park

  • Free admission in October for kids ages 3 – 9 with at least one paying adult.
  • Caravan Safari – Enjoy 2 hours in the caravan with the potential to get up close to the animals and feed them. This Safari gives you a chance to learn more about Asian and African birds and mammals. Additional ticket required.
  • Cheetah Safari – Try to keep up with the cheetah on this 1 hour experience. See how fast it can go when lured by a decoy. Additional ticket required.
  • Cart Safari – Take an hour to learn more about African or Asian animals. Choose between the two, and learn more about the park’s history. Additional ticket required.
  • Jungle Ropes Safari – For ages 7 and up, the Jungle Ropes Safari provides thrills and adventure daily. Wearing a safety harness, you’ll belay, cross rope bridges and aerial tightropes. Which animal will you pretend to be? Additional ticket required.
  • Behind-the-Scenes Safari – Get behind-the-scenes insight of how the Safari Park cares for its animals. This experience is great for guests ages 3 and up. Additional ticket required.

In the Safari Park you can also enjoy animals and plants at your leisure. Walk through the Park and experience a taste of Africa or Asia, catching sight of tigers, elephants, birds and scenes from a rainforest.

Old Town Trolley

  • Free rides in October for kids ages 4 – 12 per paying adult.
  • Two-hour trolley ride through San Diego.
  • Narrated tour included 100 points of interest over 30 miles.
  • Stops including Old Town, Seaport Village, Horton Plaza, Coronado, San Diego Zoo and El Prado in Balboa Park.

USS Midway

  • Free admission in October for kids ages 6 – 12.
  • Flight Deck exhibit
  • Hangar Deck exhibit
  • Aircraft Gallery
  • Remembrance Wall
  • Battle of Midway movie
  • Flight simulator

Book Now and Enjoy Kids Free San Diego

With October here, we suggest booking with Get Away Today now. Hotels in San Diego will fill up, and you can enjoy savings on accommodations when you book a Southern California vacation package with Get Away Today. View all San Diego options at www.getawaytoday.com or call a travel specialist at 855-GET-AWAY. Mention Great Basin Federal Credit Union when you book, and a donation will be made Children’s Miracle Network at no additional cost to you.