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Fresh food for Frugal Friday, folks.Whether you live in an urban apartment or a rural... Read More May 27, 2016
Have you met Steve? We love Steve.[embed]https://www.youtube.com/watch?v=8uZJrNyrryo&feature=youtu.be[/embed] Read More May 27, 2016
Our team at the Main Branch is always silly, but today, they are extra silly... Read More May 26, 2016
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Here are scores of great affordable ideas for honoring a graduating student — whether you’re... Read More May 24, 2016
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We continue to hear reports of IRS scams like this one. Be cautious. And like... Read More May 23, 2016
RV going anywhere this summer? 1% off Toy Loans plus 90 days no payments!Whether you’re... Read More May 23, 2016
THIS WEDNESDAY: Do small business owners need patents, copyrights, or trademarks? You betcha! Should you... Read More May 23, 2016
T minus 15 til game time and $1 snacks! Read More May 22, 2016

Featured

The Backup Plan

backup-plan

I was asked a question I had never heard the other day.  A member asked me how to invest, knowing the world will end in 2012.  I was stumped for a minute, and then I said that if the world is going to end in 2012 he may as well spend all his money now.  However, he might want to consider a back-up plan, in case his information turns out to be wrong. 

A back-up plan is something we all should have.  You may not live to be 100 years old, but if you do, you don’t want to be broke.  You may love your job and want to work the rest of your life.  But what if you can’t?  What if your health fails?

Your financial plan not only needs to consider what you want to happen and what you want to do, but also a good back-up plan. It is not as fun to plan for, but it sure brings peace of mind. 

Betsy Dart is a CERTIFIED FINANCIAL PLANNER (TM) for the MEMBERS Financial Services programs located in Great Basin Federal Credit Union. For more information on Betsy and her services, please click here.

Betsy also invites you to our complimentary “Estate Planning Essential” workshop on October 19th at 6:00 p.m.  Topics include wills, beneficiaries, powers of attorney, living trusts, asset protection and more.  RSVP by clicking here.

Do your kids really want your house?

inherit-house

Do your kids want to inherit your house? You would be surprised to know that people often assume they need to do everything they can to ensure that they pass their house down to their children after their death. Often, however, they have not asked the kids whether it is important to them. Maybe they don’t even want the house. Or maybe what they really want is grandmother’s china or Dad’s classic car. Having those conversations can make estate planning much easier.

For more information on estate planning, please join us on October 19th at 6:00 p.m. for our complimentary “Estate Planning Essential” workshop.  Topics include wills, beneficiaries, powers of attorney, living trusts, asset protection and more.  RSVP by clicking here.

Betsy Dart is a CERTIFIED FINANCIAL PLANNER (TM) for the MEMBERS Financial Services programs located in Great Basin Federal Credit Union. For more information on Betsy and her services, please click here.

What You’d Expect From a Credit Union

what-you'd-expect

Summers have a way of getting away and I noticed I haven’t written in a while. I know you have been waiting patiently.

Most recently we’ve been the recipients of another wave of new members from our friends at B of A with their announcement of their new Debit Card fee. The last wave was from Wells Fargo for the same reason. The recent limits put on debit card transaction fees at large banks by the Federal Reserve have the banks scrambling to keep their bonus checks coming.

I’ll also be watching to see if the big retailers pass on their savings to the public or pocket the 50% reduction in costs estimated to be billions of dollars; not that I’m skeptical, but …really?

At the credit union we will continue to monitor the debit card developments over the next couple of years to see if there is any impact on the credit union. As a not-for-profit cooperative we will avoid impacting our members with any additional fees or increases. As a matter of fact, we continue to encourage newbies to join our other members who avoid most fees through our CORE account program. This has been one of our most successful programs and it’s there to reward and protect the members who use us the most.

I’m glad to share with you that the credit union continues to be strong, and we are offering some incredible loan rates to members with additional rate savings to CORE members. Why would anyone pay big banker fees when they can belong to a cooperative credit union designed to minimize fees to its members?