I had a birthday last month, and as I usually do, wrote thank you notes to friends and family for the thoughtful birthday gifts I received.
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Helping you stay financially savvy.
As a loan specialist, I assist members daily through the process of buying a new or used car. I recently received an email from a member asking for some general information about auto loan rates and terms. I realize this information may be helpful to many members, and wanted to take a moment to share it with everyone.
Many of our members were introduced to us by a loyal parent or grandparent who sent their youngsters to CCCU because it was the best place for their money. This is still true. But times have changed. We are no longer your grandmother's credit union.
Just as I expected, coming back to work after three months away on maternity leave wasn’t an easy thing. Being separated from my baby, adjusting to a new routine and being sleep deprived is lots of fun… not! Having to buy new clothes to fit my post-pregnancy body, deal with a lot of new expenses and still think about dieting is the icing on the not so fun cake. All this internal angst had to be channeled positively somehow and so the Tighten Your Waist & Your Wallet campaign was born; the perfect program to help myself, but also my community and business contacts that count on me for their financial education.
The AutoBranch just recently celebrated its ten year anniversary. Originally conceived as a no-hassle alternative to the typically stressful car-buying experience, the AutoBranch has developed over the years into a wonderful resource for credit union members
Most of us make a New Year's resolution at some point in our lives. The passing of one year and looking forward to the next brings both reflection and promise. What I like about resolutions is that we identify goals that we have the power to change ourselves, such as reading more, starting an exercise program or saving money.
We are scattered all over the world. My siblings, nieces, nephews, cousins and in-laws. Our children now speak Japanese, German, Norwegian, Tagalog, and of course English (albeit the Canadian and British variety). And at Christmas time, each family living in a particular country will celebrate in the tradition of that nation.
Soon it will be my thirty-fifth anniversary! Not a wedding anniversary, but I've been a credit union member for thirty-five years. It all started when my father opened an account for me at the credit union for the pharmaceutical company where he worked.
I recently spent the day with our Business Development team, the community outreach arm of City County Credit Union. I began the day at the Margate office with Business Development Representative Elizabeth Richards, who outlined their goals. They are tasked with forming relationships with businesses, associations and groups in our local community.
As I sat in the Physical Therapy hospital waiting room, I watched the others. The middle aged woman in great discomfort, one arm in a soft cast, the old man with vacant eyes, attended by his disinterested companion, the young child wheelchair bound with shriveled limbs, confined perhaps since birth. A heavy atmosphere of pain and resignation filled the room. No one made eye contact. I looked down at the book I was reading. You could have heard a pin fall.
Every experienced parent I ask seems to swear by one baby product or another and so my husband and I have amassed quite the collection of baby stuff in hopes of having everything we might need to take care of our little bundle of joy. Of course all of that cute, tiny stuff does not come cheap so I'm always on the lookout for ways to save on baby gear. I am definitely not an expert, but I have managed to save a lot of money on some big purchase items with these tips I've gathered along the way.
Budgeting is more about developing a habit you can stick to than it is about money. We already generally know how much we’re going to make in a given period, and predict how much we need to spend. What can put us off-balance are the irregular expenses: the flat tire or the hospital stay. While these events often visit us unannounced, they really aren’t all that unexpected when you think about it. That’s why it’s important to also budget for these unpredictable expenses.
When I was a kid my father would take advantage of a rainy summer day and had me and my two brothers roll coins. It seemed that the empty peanut butter jars of coins he had accumulated were never ending. This was no small task - it took us hours and hours, but I didn't mind. The work was mindless and I liked the sense of accomplishment from seeing the full rolls neatly stacked (was this a precursor to my banking career?).
When my husband and I got engaged, my mother begged us to have a short engagement and skip right to the business of giving her a grandchild. When we bought our house, my mother-in-law gave us a crib as a house warming gift since she figured we’d need it someday. They certainly weren’t subtle with their desire for a grandchild, but we knew that deciding to have a baby wasn’t a decision to take lightly. So we started planning well before there was even a bun in the oven.
Picture this. Picture this. A perfect South Florida Day. The sweet smell of jerked chicken and roast corn. The tinkle of ice cubes swirling around in cups of coconut water. The intoxicating sounds of reggae music stirring thoughts of Sunday afternoons on Caribbean beaches -- so near and yet so far.