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The Nest Blog

SYNCING YOUR PHONE TO YOUR CAR CAN PUT YOU AT RISK12/13/2018

In our uber-connected world, pressing a button on the steering wheel to make a phone call is already second nature for many of us. With just a few taps, we can pull up our favorite playlist, read recent emails and even send a text message. Using our cars like a phone and storing information in data systems is incredibly convenient! And it helps us safely drive while using the phone hands-free, too.

Convenient though it may be, security experts are warning that syncing your phone to your car can put you at severe risk for a data breach. Connecting a rental car or a rideshare vehicle to your phone poses an even greater security risk.

Keep your information safe and avoid getting hacked by educating yourself about this oft-overlooked risk. Here’s what you need to know about the dangers of syncing your phone to your car.

Sync Phone

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ALL YOU NEED TO KNOW ABOUT OPEN ENROLLMENT 201912/6/2018

Open enrollment is here, so it’s time to think about your healthcare coverage. 

Practically, open enrollment is the only time of year, outside qualifying life event changes, when you can choose or change a healthcare plan. In reality, this often means stressing over your options and muddling through a confusing mass of various plans. 

No worries, though; we’ve made it simple by answering the most commonly asked questions about open enrollment 2019. 

Open Enrollment

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10 RESTAURANT HACKS11/29/2018

Americans love eating out. According to the USDA’s food expenditure data, millennials spend more than 44% of their food budget on this meal option. In addition, other data proves that Americans spend a lot more on restaurants and bars ($54.86 billion) than they do on their groceries ($52.5 billion).

We Americans really like our restaurants! Who can say no to delicious food that’s served and prepared for you by someone else? And best of all, there’s no crusty dishes waiting for you to scrub at the end of the meal!

Dining out with family and friends is a wonderful experience, but it can take a huge bite out of your budget. No worries—we’re not going to try convincing you to give up your favorite fast food joint or Thai restaurant. Instead, use our hacks to bring your bill down and continue enjoying meals at your favorite eateries. 

Waitress

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5 SCAMS TO AVOID THIS BLACK FRIDAY11/22/2018

Black Friday and Cyber Monday can be great fun – but they can also put you at great risk. Scams abound on the weekend that heralds the holiday shopping season, and you don’t want a phishing scheme or a bogus bargain to turn you into a Grinch. 

Here are 5 scams to look out for as you brave the frenzied crowds while trying to snag the best deals after Thanksgiving.  

BlackFriday Sale

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8 REASONS TO SHOP LOCAL ON SMALL BUSINESS SATURDAY11/15/2018

Mega e-tailers, like Amazon and Walmart, may monopolize online commerce, but it’s the small businesses across the country that keep the economy going. In fact, according to the Small Business Administration (SBA), the 28 million small businesses in America account for 54 percent of all sales in the country. Small businesses create jobs, build a demand for locally made products and keep communities thriving. 

Your local small businesses are part of your community’s landscape. That’s where you rub shoulders with your neighbors, where you catch the latest town news and where you’re always greeted with a warm smile. At a local small business, you’ll be guaranteed superior service and the gratification that comes from knowing you’re supporting the economy in your own community. 

Here at Eagle we strongly believe in supporting the community and helping local businesses flourish. Join us in our important goal by shopping local on Small Business Saturday and throughout the holiday season. 

Here are our top 8 reasons to shop local: 

SmallBusinessowner

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9 Ways To Break Up With Your Phone11/8/2018

Dearest phone, 

It feels like we’ve known each other forever. You’ve been there for me through everything and I can’t imagine life without you. But this relationship has to end. I can’t do this anymore. It’s not you; it’s me. I’m not myself when I’m around you and you turn me into someone I don’t recognize or like. 

I need to move on. But don’t worry; we can still be friends. 

Are you ready to pen this breakup letter to the love of your life? 

You may not think you’re addicted to your phone, but they were created to keep us completely absorbed and captivated. In fact, the average American adult checks their phone every 12 minutes, spending more than 4 hours on their phone daily. For teens and young adults, those numbers are even higher. 

Phone

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Invest In What You Care About11/1/2018

 

Q: I’m looking to make some investments, but I don’t want to compromise my principles. How can I make investment decisions that reflect my values?

A: It’s easy to see people doing bad things in the world. Whether it’s cigarette companies marketing to minors or companies employing cheap overseas labor, corporations are certainly not free from wrongdoing. Investors can quickly get a bad taste in their mouths after researching a company they’re considering.

Fortunately, there are a number of ways investors can use their money for good. If you’re interested in doing good and making good money in the process, read on. Here are three ways to identify investments that match your values.

babyhand

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Skip Pay Special10/31/2018

Skip Pay: Why do we offer this to our members?

If you haven’t already heard about our Skip Pay program, here are the basics: certain Eagle Loans, vehicle and personal loans, are eligible to skip a monthly payment for a one-time fee of $50. This option is available once 12 months of consecutive on-time payments have been made. And starting in November, you can take advantage of our special reduced fee of $25 through year-end.

Read on to find out the benefits of Skip Pay.

Money

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6 Times A Bargain Is Not A Bargain10/25/2018

In the words of writer Franklin Jones, “A bargain is something you don’t need at a price you can’t resist.” And we couldn’t agree more. 

With the biggest spending season of the year looming ahead, it’s time to brush up on your shopping smarts. Don’t get caught springing for something you can’t afford! This year, give yourself the gift of an intact budget and a credit card balance that doesn’t haunt you for months or years to come. 

Here’s when that steal of a deal you can’t wait to show off to your friends is not such a bargain after all. 

Women at flea market

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Ways To Save On Food Costs10/18/2018

With your mind so muddled with details like classes, exams and papers, who has time to think about food? You might be heading into the new semester with plans to subsist solely on convenience food and packaged junk. We’re looking at you, ramen noodles!

But as you’ll quickly discover, overdoing the processed foods will leave you feeling not quite full and not so nutritionally sound, either.

You’re ready for a change. But how can you prepare nutritious meals that don’t cost a bundle or take hours of prep time? Is it even possible?

You betcha! Here’s how

Woman checking receipt

 

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The Best Pumpkin Patches in So Cal10/12/2018

Did you say “pumpkin patch”? In the midst of October, going to a pumpkin patch is a must-do activity. From navigating through corn mazes, to petting farm animals, to rides, and, of course, to picking the perfect pumpkin to decorate, pumpkin patches are the perfect places for So Cal residents to get a taste of the fall season. Eagle has harvested some of our favorite local patches so you can plan a fun day in the crisp autumn air. Read on to for the best Pumpkin Patches in So Cal.

Pumpkins

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Why Does My Mortgage Lender Need So Much Information?10/11/2018

Q: I’m applying for a mortgage through my credit union and I’m a bit surprised at the amount of information they’re asking for to process my loan. Why do they need to know so much about me to grant me a home loan?

Man contemplating

 

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Weather Apps10/4/2018

The seasons are a’changin’! And that means the weather has gotten more unpredictable in many areas of the country. One day you’re shrugging into your warmest jacket and the next you’re cranking up the AC.

With the weather so unreliable, it’s the perfect time of year to download a reliable weather app. But don’t spend hours researching your options; we’ve already done it for you!

Read on for the inside scoop on the best weather apps on the market.

Weather App

 

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Recovering from a Natural Disaster9/24/2018

 

If you’ve ever read any articles or blogs on how to deal with a natural disaster, you’ll notice one major tip in common: the need to have a disaster plan in place.

So, what should be in a disaster plan? For starters, evacuation routes; shelter ideas; how your family will communicate to each other

 

Tornado on open field

 

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Should I Refinance Before I Retire?9/20/2018

Q: Is it advisable to refinance my mortgage as part of my retirement planning?

A: Refinancing your mortgage can have a big impact on your finances. That’s why it’s important to consider all angles before deciding if a pre-retirement refinance is right for you.

 

Elderly couples sitting at dinner table

 

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Should I Be Concerned About Rising Mortgage Rates?9/20/2018

On June 13th, the Federal Funds Target rate was officially raised by .25%. This increase marks the second time interest rates were raised in 2018 and experts expect another two increases this year. 

The rate increase was prompted by optimistic feelings about the general state of the economy. The Fed pronounced the economy to be rising at a “solid rate” and claimed that inflation rates are close to their target goal of 2%. Most notably, unemployment rates have dropped to just 3.8% in May, 2018, tying with April 2000 for the lowest rate since 1969. 

While this might be good news for the economy, all these indicators point to rising interest rates—and that might not be the best news for current and hopeful homeowners. 

Is it a good time to buy a house? Should you choose an ARM or a fixed-rate mortgage? If you’re a homeowner, should you be taking any action now? 

So many questions—and we’ve got answers! Read on for what you need to know about the rising interest rates and what it all means for you. 

2 people taking notes

 

 

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Donít Get Caught In A Free Trial Scam!9/13/2018

You know what they say: “If it’s too good to be true, it probably isn’t.” And yet, dozens of people fall for scams that promise them the moon — and they don’t realize they’ve been played until it’s too late.  

Because of this truism, the Federal Trade Commission (FTC) is warning of an uptick in free trial scams. The scams come in several shapes and sizes, but most will look something like this: 

You see an ad from Netflix or a cosmetic company saying you’ve been granted a temporary subscription to their service or product. They say it’s absolutely free. The only catch? There is none. They say that, anyway. That is until you’re asked to pay for hidden fees in addition to shipping and handling at a time when it’s too late to back out. Or, you might be asked to share all of your financial information even though you’re officially not obligated to pay anything. 

In other words, there’s hardly a “free trial” that won’t cost you big. 

 

keyboard button saying "Free Trial"

 

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Bankruptcy is surging for older Americans, but you can avoid it 9/10/2018

The Consumer Bankruptcy Project recently released its newest findings, and the results are scary.

Since 1991, the rate of people 65 and older filing for bankruptcy has increased 200 – 300 percent. The reasons include declining wages, increased debt, and more out-of-pocket healthcare costs, among other things.

While you may not be able to protect yourself against every factor leading to bankruptcy in your twilight years, don’t panic just yet. There are certain things you can do to keep a handle on your finances.

Old Man
 

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What Can I Do About Robocalls?9/6/2018

Are you sick of grabbing your ringing phone five times a day only to find yet another robocaller on the other end?

If robocalls are getting to you, you’re not alone. Those super-annoying automatic calls have recently exploded, and it’s enough to make anyone go bonkers. More than 30 billion robocalls were made in the United States in 2017, and the Federal Trade Commission answered a whopping 375,000 complaints about robocalls each month.

Unfortunately, those numbers are only rising.

If you feel like your phone is ringing off the hook from robocalls and you’re just about ready to throw it against the wall, read on. We’ll give you the inside scoop on these dreaded calls and show you what you can do to put a stop to them once and for all.

 

Man holdng cell phone

 

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Whatís The Best Way To Finance A Home Renovation?8/30/2018

Q: I’m doing some home renovations this summer and I’m not sure how to finance this expense. There are so many loan options, but which one makes the most sense? 

A: Whether you’re gutting your entire kitchen or turning your basement into a home theater, we’ve got you covered! As an Eagle Community Credit Union member, you have several choices when it comes to funding a home renovation. And we want to help you find the right one for your specific needs. 

First, let’s take a look at some common choices and why they’re not the best idea for financing a home renovation project: 

Couple renovating living room
 

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How Many Credit Cards Should I Own?8/22/2018

The importance of maintaining a good credit score is old news. As you likely know, the higher your score, the more attractive you will be to potential lenders, making larger loans and the best interest rates more accessible. 

Hopefully, you’re working hard at keeping that score high by using your cards and paying your bills on time. You may be wondering, though, if more is better. Should you open a few more and get more available credit? Or, are too many cards a liability to your score?  

Read on for the answers to all your questions. 

Young Man holding 4 Credit Cards
 

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Four actions that can break the payday loan cycle8/17/2018

When you take out payday loans, it’s easy to fall into a trap. While they are convenient, these loans charge exorbitant interest rates. (According to one study, typical interest ran as high as 381 percent APR.)

Pretty soon, you have to take out another loan to pay off the money you owe from the one before it, and so on. But if you’re stuck in the payday loan cycle, you should know that it doesn’t have to be permanent. As an alternative, try these tips to achieve financial relief:

 

Happy Couple
 

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A Treat from Eagle Community CU for you8/1/2018

This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for each new line you activate, up to 3 lines, when you switch to Sprint®.

 

Here’s how it works:

Love My Credit Union Banner

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7 Ways To Spot A Loan Scam7/25/2018

Your credit’s trending in the wrong direction, you’re short on cash and you’re desperate for a loan. You need to get your hands on some cash to help pull you out of this tight spot, and you need to do it – fast! Unfortunately, though, it feels like no reputable institution is willing to grant you a loan.

Hand grabbing money

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5 Ways To Budget For Your Wedding7/20/2018

Q: I’m ready to tie the knot, but I don’t know if I can afford to have a wedding! Between the flowers, gown and venue, it’s thousands and thousands of dollars. How can I cut costs without compromising on my special day?

Man and Woman getting married

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How To Buy A Boat7/13/2018

Get ready to set sail this summer! Read on for the ultimate boat-buying guide. 

Woman on a Sail Boat

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7 Questions To Ask Yourself Before Making A Large Purchase7/9/2018

You’re convinced: You really want that Coach handbag. Or you need that genuine Armani tie. Or maybe you know that gigantic, high-res entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. Of course, you’re absolutely thrilled. 

That’s until, a few weeks down the line, when you’re staring a huge credit card bill in the face and buyer’s remorse hits hard. You can’t help wondering, then, why you thought this expensive purchase was worth the steep price tag. 

Don’t get sucked in again! Before you say “yes” to a large purchase, ask yourself these 7 hard-hitting questions. You just may end up leaving that “dream” product in the store. 

Woman carrying TV out of store

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How to plan a vacation like a Boss6/30/2018

With vacation season ramping up, we rounded up some tips to help you plan so you can actually take one and enjoy it too. Master these steps and you may even be able to take a second one. The world is your oyster.

Planning is everything, whether you want to take an exotic overseas trip or just a local road trip.

Worldmap on Table

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How To Save For A Boat In 8 Easy Steps6/29/2018

Are you ready to make waves with a new boat? That’s great, but don’t let your budget sink in the process! Save up for the boat of your dreams with our handy guide. We’ll have you ripping across those foaming waves sooner than you ever thought possible! 

4 boats in a harbor

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Beware Social Media Scams!6/22/2018

Over the last few years, social media scams have exploded, with fake Twitter and Facebook profiles increasing by 100% in just one year. That also means there are several types of social media scams, most which involve a phishing scheme component.

Here’s how it happens:

Girls on smarphones

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Jury Duty Scams6/14/2018

Nobody likes being called in for jury duty. But a recently revived scam has painted the entire experience in a more sinister hue.

Here’s how it plays out:

People in a court room

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15 Incredible Grilling Hacks6/8/2018

Nothing says “summer coming” like the mouthwatering smell of a flaming barbecue blowing through the neighborhood. Whether you churn out the best burgers on the block from a modest charcoal grill or your Weber’s been squatting on your deck all winter, we’ve got you covered!

Here’s 15 genius grilling hacks that will take your  ‘cue to the next level. 

 

Famili of 4 at the grill

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6 Ways To Turn Your Dream Vacation Into A Reality5/30/2018

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true.

 

Palm Tree along Road

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RISING INTEREST RATES5/28/2018

If you follow the national business news, you are likely getting mixed messages about the state of the economy. While never very reassuring, pundits’ opinions on the stock market and the country’s economic state are changing as frequently as the weather. 

But there’s one area that’s been constant for some time now: rising interest rates. If you’re thinking of taking out a mortgage, or any other large loan, in the near future, you might be waiting until those rates start going down again. 

Here’s why that might not be the best idea. 

Interest rates will continue to rise throughout 2018.

Experts predict that interest rates on financial products will continue to increase throughout the year.  There are several factors triggering this rise, none of which are likely to be resolved anytime soon. Whether you’re interested in taking out a personal loan or a second mortgage, 2018 may not be a very good year for borrowers.

 

Chart Showing Interest Rates

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5 TIPS FOR RAISING SECURE AND UNSPOILED KIDS5/18/2018

Raising children is a constant balancing act. You want to provide structure and stability, but you also don’t want to run an overly militant household. It’s important to you that you show you care about your child’s whereabouts and choices, but you don’t want to be a helicopter parent. You want your kids to do well in school, but you don’t want to put too much pressure on them.

And when it comes to money, you want your kids to know you can provide them with all of their physical needs, but you don’t want to raise spoiled children who feel entitled to their every whim.

How can you achieve that?

 

Child fixing a car

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THE 20% DOWN MYTH5/11/2018

Are you desperate to own a home of your own? 

If that’s your dream, you are likely saving up, dollar by hard-earned dollar, until you have that magic number: 20% of your dream home’s total value. That’s what all the experts say, right? 

For the average American home, 20% amounts to a pretty big number. Throw in closing costs and you’ve got a small fortune to raise – and years to go until you reach your goal. 

It’s great that you’re putting money away toward what will likely be the largest purchase of your life, but there’s one huge mistake in your calculations: You don’t need to put down 20%. 

Person checking a calculator

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Financial Literacy for College Students (or soon-to-be college students)5/9/2018

Eagle wants to share key financial knowledge with entering and current college students. Read below to find out how you can stay on your financial A game:

If you haven't looked into scholarships, start your search. There are multiple scholarship opportunities not only for new students, but also for students who are currently enrolled in college. They can be as broad as academic and merit scholarships or as specific and unusual as duck calling scholarships (start practicing your best "quack"--it may be worth some good money). Eagle also offers an annual scholarship to members who apply.

Student taking notes

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FIFTEEN TRICKS TO SELL YOUR HOME QUICKLY4/27/2018

Spring is in the air! And aside for the hum of lawnmowers, newly bloomed flowers and the chime of the ice cream truck, spring means the chance at a fresh start in a fresh, new home. 

If you’re looking to sell your home and start over somewhere else, you likely want to see that sale happen as quickly as possible. After all, it isn’t easy to be paying two mortgages at once!  You might also be counting on the proceeds of the sale to help make a down payment on your new home. 

Read on for 15 fantastic tricks to get your home into the hands of its new owners as swiftly as possible. 

Realtor in front of "for Sale" sign

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7 WAYS TO SPRING CLEAN FOR EXTRA CASH4/27/2018

When that first delightful spring breeze starts blowing, you know it’s time to get your house in shape.

The warmer weather and the brilliant sunshine pouring through your windows can fill you with boundless energy. You’re going to banish those dust bunnies! Every piece of useless clutter must go! You are on a mission to turn your home into a sparkling palace that is completely free of junk. 

But there’s more than just a neat house awaiting you at the end of all that hard work. Here’s how you can spring clean your way to riches – well, almost. You won’t become a millionaire from your junk, but you’ll put some spare cash in your pocket just by taking a few extra steps while clearing out the clutter. And that’s always a good thing! 

Woman sorting through books

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BEWARE OF INTEL PATCH SCAMS4/22/2018

In january, the media was thrown into a frenzy with the shocking news that millions of processors throughout the world were vulnerable to hackers. The problems, known as Spectre and Meltdown, lie within the core hardware of computers and smartphones, making them nearly impossible to fix or replace. This vulnerability potentially grants hackers access to the most sensitive information on these devices, including passwords, usernames and personal data.

Computer Chip

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HOW TO TALK MONEY WITH YOUR PARTNER4/12/2018

What happens when you and your partner have different approaches toward money? How do you bring up this loaded topic without it spiraling into a heated argument?

Once again, it’s Eagle Community Credit Union to the rescue! Read on for the ultimate guide to discussing finances with your partner.

Couple Discussing

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Tips to Teach Your Children About Finances4/9/2018

CONSIDER THIS: Parents want their children to have a good handle on finances before kids leave the house in their late teens or early 20s, but most aren’t sharing the necessary wisdom to make that happen.

T. Rowe Price’s 2017 Parents, Kids and Money survey found 69 percent of parents have some reluctance discussing financial matters with kids. About 35 percent of parents rated talking to their children about family finances as either very or extremely uncomfortable—ranking it alongside talks about death and drugs. It might be because parents may feel too self-conscious about their own financial situation.

 

Child giving Thumbs up

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ENERGY SAVING TIPS Ė WHAT TO LOOK FOR WHEN BUYING NEW APPLIANCES4/9/2018

There’s no getting away from the fact that our dependence on energy increases daily. With energy-dependent technology driving our lives, ecologists continue to search for ways to save our environment. Focusing on energy-efficient appliances is one way to do that.

Couple looking at Appliances

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The Realities of Paying Off Student Loans4/2/2018

 

CONSIDER THIS: College graduates are finishing school with high hopes, bright futures—and decades’ worth of student debt.

Student Loan Hero estimates the average 2016 college graduate has $37,172 in student loans. All that money can take a decade or more to pay off.

Man and Money

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HOW TO USE THE MONEY ENVELOPE SYSTEM3/31/2018

If you’re like many of us, you’ve been trying to stick to a budget for a while, but by the time each month is over, you’ve busted your budget – again.

Because of this recurring pattern, you’re probably wondering if there’s a better way. Fortunately, the answer is yes!

The money envelope system has been around for years, and it’s an incredibly motivating and powerful way to keep spending in check.

Eagle Community Credit Union is proud to bring you this handy guide to understanding and implementing the money envelope system in your household.

Dollar Bills in Envelope

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SHOPPING FOR THE BEST DEALS ON GROCERIES3/22/2018

CONSIDER THIS: The government’s Consumer Price Index estimates prices for groceries will rise by 1 to 2 percent in 2018. For some products, prices could go even higher. For example, the prices for chicken and avocados are expected to go up.

So how do consumers put food on the table without breaking the bank?

Man in Supermarket

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ATM Jackpotting Scam3/16/2018

Hitting the jackpot in an arcade game is enormous fun. You stand there grinning as the tickets keep pouring out. And then you get to choose a cool prize to take home.

Recently, though, scammers have given this awesome kind of win a sinister twist by bringing the jackpotting mechanism to Automatic Teller Machines (ATM). This doesn’t mean you can ask for a $20 and the machine will start spitting out hundreds instead. But it does spell trouble for ATMs and their owners throughout the country.

ATM Machine

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Invest In What You Know3/9/2018

Warren Buffett says:  “Never invest in a business you cannot understand.”

 

The world of investing is vast and complex. You may be tempted to try your hand at an investment or business you don’t fully understand with the rationale that you don’t really need to know what’s going on to make money from it. Warren Buffett says otherwise.

photo of Warren Buffett

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6 Common Tax Mistakes To Avoid3/8/2018

It’s that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms and pay stubs, and get to work. Drowning in paper and getting numb from all those numbers? Take heart! As soon as you’ve got it all organized and filed, you don’t need to think about your taxes again until next year.

Don’t be too hasty, though.

6 Common Tax Mistakes to Avoid

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How To Get By In An Emergency: Personal Loan Or Credit Card?2/20/2018

Unexpected expenses, by nature, can come out of nowhere. Your check engine light comes on, and your car demands you put another thousand dollars into keeping it on the road. That cough that just won’t go away turns out to be more serious than you thought. Your air conditioner gives up during the longest heatwave you can remember. No matter what causes these personal catastrophes, they all have one thing in common: They’re expensive.

Emergency Loan or Credit Card

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Get These Things Out Of Your Purse Or Wallet Now!2/13/2018

Your wallet can become a lot like a junk drawer you carry around. It’s cluttered with loyalty cards, coupons, cash, checks, store credit cards, credit cards for gas, credit cards for everyday purchases and a host of identification cards. That much bulk can make your wallet or purse a serious hassle to carry. Even worse, though, you may be setting yourself up for identity theft.

What's in your wallet?

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Eight Questions (And Answers) About Currency Transaction Reports2/8/2018

What is a CTR?

Currency Transaction Reports

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Dispelling Myths about Credit Unions1/30/2018

Did you know? Credit Unions are widely trusted by consumers and best known for good rates, especially on auto loans.

Dispelling Myths about Credit Unions

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Bring Back The Brown Bag: Saving Money On Lunch The Old-Fashioned Way1/26/2018

Although it’s been said breakfast is the most important meal of the day, there may be a new contender rising. Recent studies are showing that employees who take a designated lunch break are more likely to be productive in the afternoon and avoid long-term burnout. Breakfast has clearly been shoved out of its once-coveted role of “most important meal,” and the reign of lunch has begun.

Bring Back The Brown Bag

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Everything You Want to Know About Bitcoin (Ö But Were Afraid to Google)1/20/2018

What are Bitcoins and how can you get some?  Here’s an introductory guide to bitcoins to help answer these questions and more!

Everything You Want to Know About Bitcoin

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The Hunt Is On: Standing Out In The Modern Job Seeker Pool1/13/2018

Q: My job is feeling uncertain lately, so I’ve started looking around at the options, just to be safe. It’s been awhile since I did that – is there anything I should know about job searching in today’s market?

 

A: You’re certainly not alone. Some 40% of workers are actively looking for a new position or planning to job hunt this year. You can spin that as a sign of high competition, but there’s good news: According to Glassdoor’s newest report, there are close to 6 million jobs to be filled right now, a record number since the U.S. Bureau of Labor Statistics started tracking job openings in 2000.

Standing Out In The Modern Job Seeker Pool

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Fitness For Your Body And Wallet: Shedding Pounds Without A Gym Membership1/7/2018

New Year’s resolutions can be fantastic motivating tools, and many of us use that motivation to improve our health. Thirty-seven percent of Americans resolved to lose weight, while another 32% resolved to stay fit and healthy in the New Year. No one knows that better than the weight loss industry, which ramps up its marketing this time of year. You’ve no doubt seen offers for free months and other discounts at local and national gym chains.

Fitness For Your Body And Wallet

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The Brain/Money Connection1/4/2018

We know that stress can affect our health in many ways, sometimes causing heart disease, obesity, asthma and diabetes. But did you know the brain is also physically impacted by stress? Neuroscientists at the University of California, Berkeley, have found that chronic stress triggers long-term changes in brain structure and function.

Brain Money Connection

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7 Ways to Save on Thanksgiving Costs 11/20/2017

Between your turkey, ingredients for the holiday meal and décor to set the ambiance, hosting a Thanksgiving dinner is not cheap. If you’re looking for ways to cut back without compromising on quality, read on for seven easy ways to save on Thanksgiving costs this year.

preparing thanksgiving dinner

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The Dos And Doníts Of Credit Repair11/1/2017

Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score.

Credit Repair

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Emergency Funds Ė Not Just For Adults!10/26/2017

Divvying up your kid’s allowance into different jars, each with a specific label and purpose, has become pretty standard. Your kids probably have one jar for savings, one for spending and maybe another for giving.

What most parents and kids omit, though, is one more jar for emergencies. Yes, emergencies, even for kids.

Emergency Funds for Kids

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International Credit Union Day: Dreams Thrive Here10/18/2017

Are you as excited as we are to celebrate International Credit Union Day?

You already know how wonderful it is to be part of a credit union, but in the spirit of ICU Day, let’s take a quick look at four factors that make a credit union outstanding and allow your dreams to thrive.

International Credit Union Day

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How To Shop For Fall On A Budget10/11/2017

That long-anticipated day has finally come and gone. Your kids looked sharp and neat sporting spiffy backpacks and dressed in their spanking new back-to-school clothing. You watched them board that bus and waved them off from your perch at the bus stop until your arm hurt.

Then you breathed a great sigh of relief, grateful that the busy back-to-school shopping season is behind you.

Unfortunately, though, the fun is just beginning!

Fall On A Budget

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How To Spot A Credit Repair Scam10/4/2017

Repairing your credit can be an uphill battle. You’re looking at months of hard work, negotiating with creditors, reworking your budget and identifying the factors that are making your credit score lag. In short, it’s a hassle and it takes lots of time.

Credit Scam

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What Kind Of Life Insurance Should I Choose?9/25/2017

Q: I know purchasing life insurance is the responsible thing to do, but the choices are overwhelming. How can I determine which kind of life insurance is right for me?

A: There are many kinds of life insurance, but the broad range of choices shouldn’t keep you from getting sufficient coverage. Here’s what you need to know about the most commonly purchased types of life insurance.

Life Insurance

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7 Common Life Insurance Myths Debunked9/19/2017

Having sufficient life insurance is important. And yet, so many of us buy into popular misconceptions, convincing ourselves we don’t need to bother purchasing a policy.

But don’t be fooled. Read on to see how seven of the most widespread life insurance myths are easily debunked.

Life Insurance Myths

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Can Living Frugally Make You Happier Than When Living Lavishly?9/14/2017

Do you believe money is the key to happiness?

Somewhere deep inside, we all know that money cannot buy happiness. Many people overspend and rack up thousands of dollars in credit card debt to live a lifestyle they believe will make them happy, only to discover they are living beyond their means. This, in turn, adds stress and worry … causing unhappiness. Believe it or not, living frugally can actually make you happier than living lavishly.

Living Frugally

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Dealing With A Financial Setback9/7/2017

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a pink slip. It may be a medical emergency that isn’t covered by insurance, or some good news that will cost you a bundle, like a wedding or the birth of a baby.

It’s impossible to plan for every financial hit you will take in your lifetime.

The question is: What are you going to do about it?

Financial Setback

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Creative Ways To Save On Energy Costs8/28/2017

We’ve all heard it before: Close the vents in rooms you don’t use, regularly replace your AC filters and vacuum the coils on your fridge. But what if you’re following all the conventional energy-saving tips and your summertime electricity bill is still astronomical?

Top Ten Reasons for Buying American

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Top Ten Reasons for Buying American8/21/2017

Finding a product that doesn’t bear a foreign label is a nearly impossible task. After all, when manufacturers can find labor and materials overseas for a fraction of the price, why would they bother building factories on American shores?

Top Ten Reasons for Buying American

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What You Really Need To Pack For College8/18/2017

Are you heading off to dorm life soon? Think before you pack! Don’t waste precious space on stuff you won’t need. Here’s what to bring – and what to leave at home.

What You Really Need To Pack For College

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Financial Tips For Single Parents8/16/2017

Smart money management is always important, but it can take on more urgency for those who are without a partner. Whether you’re divorced, widowed, or single by choice, single parenting brings unique budgeting challenges.

Financial Tips For Single Parents

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Save Money While Vacationing Abroad8/9/2017

Winging your way across the ocean, whimsical browsing in quaint shops and dining on exotic fare in an outdoor Paris cafe are the things that make up dream vacations.

But when you’re wondering whether the money changer has taken you for a ride or you’ve busted your budget after only two days, that dream can quickly turn into a nightmare. Here’s how to get the most for your money and be a savvy traveler while vacationing overseas.

Eagle Blog: Save Money While Vacationing Abroad

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Keeping Friends And Finances: How To Deal With Financially Challenging Friendships7/24/2017

Friends are the family we choose for ourselves. But some friends can be a serious drain on your savings.

If you recognize these kinds of people in your life, it’s hard to know what to do. Here are several examples of financially dangerous friends and how to handle them.

Eagle Blog: Keeping Friends And Finances: How To Deal With Financially Challenging Friendships

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Newlyweds: Donít Let Financial Stress Take The Cake7/18/2017

Of all the things to discuss before marriage, finances are the least exciting. Statistically, money is the top reason couples argue and financial arguments are among the top predictors of divorce.

So, how can you avoid becoming a statistic? Here are some ideas from the experts:

Eagle Blog: Newlyweds: Donít Let Financial Stress Take The Cake

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6 Ways To Save On Your Summer Vacation 7/13/2017

The open road is calling and your dream vacation awaits! But first, you need to work out the financial details. How are you going to pay for your getaway?

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Risking It When Investing7/12/2017

Risking It When Investing

piggy bnak in front of blackboard covered in question marks

Q: My wife is a risk taker and wants to invest beyond my comfort zone. I know it’s considered better to invest where returns are higher, but that also means a higher risk! Is there a middle ground?

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3 Things Teens Can Do This Summer To Boost Earning Potential6/20/2017

Believe it or not, summer break is right around the corner. For many teens, they’ve already got a very simple plan: Sleep in, hang out with friends and stay up late. If you’re looking for a break from the norm, consider taking this summer to do some self-improvement that will have a positive impact on your life for every summer yet to come. If you want to do something this summer that will increase your first adult paycheck, let’s start with these three fun activities!

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20 Ways To Celebrate Fatherís Day ó Without Breaking The Bank!6/20/2017

We all want to show our dads that we care on Father’s Day. Many people panic and run straight for the ties. But unless your father is a necktie aficionado and you can land him the rarest of rare finds in men’s fashion, you may want to consider something else that shows how well you know and appreciate your dad. Here are 20 ways you can honor your father this Father’s Day.

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Feeling Stuck In Your Car Loan? Might Be Time To Shop Around!5/15/2017

Some bills can’t be changed. For other bills, though, a little legwork can make a big difference in your monthly payment. Your car payment is a great example. Refinancing your vehicle loan can lead to a lower monthly payment, a shorter payment term or both! It depends on various factors, including the value of your vehicle, how much you owe and your credit standing. 

Read on for three common life changes that might mean it’s a good time to refinance your vehicle.

Loan Consultant

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