Energy Saving Tips When Buying New Appliances

Limiting Household Appliances’ Energy Use Can Save You Big Bucks!

Ecologists are always searching for ways to save our environment. Focusing on energy-efficient appliances is one aspect of this endeavor.
washing machine and dryer

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In fact, 30% of the charges on your electric statement stem from your appliances. That’s why the government and many appliance manufacturers are replacing standard devices with new energy-saving models.
 
Is one of your appliances on the blink? Before running out to purchase a new model, consider if it’s worth contacting a technician to fix your machine. Since prices for electrical appliances have decreased over the years, it might be worthwhile to buy a new model. Besides, the costs of a new part for your old apparatus and the technician’s visit can be high.
 
Also, remember that the new energy-efficient appliances will save you money on a monthly basis.

What Does Energy-Efficient Mean?

In simple terms, this means the process that is used to make the appliance function is using less energy.
Now that you decided to go with a modern, energy-efficient refrigerator, how can you be sure you’re getting the best product at the most cost-effective price?
 
Here are some tips to guide you in your search:
 
1. Determine the total cost. The first thing to consider is the operating cost. This amount, along with the actual purchase price, should give you the real cost of the appliance.
 
2. Check the energy rating. There are several reliable rating services that provide information about appliance energy consumption. The federal government uses the Energy Star Standard sticker to inform consumers of the operating cost and the annual energy consumption of each appliance.
 
3. Select the right size appliance. Running a large machine – even the most energy-efficient one – uses more electricity than a compact one.
 
4. Look for economy choices. Many dishwashers and washing machines offer a variety of different cycles. If you find one with an economy cycle, you’ll save money when you only need to wash a small load of clothes or dishes.
 
5. Stay Simple. When it comes to choosing a refrigerator, go easy on the add-ons. Top-to-bottom fridge/freezer models are more energy efficient than side-by-sides. Features like water dispensers, ice-makers and auto-defrost use lots of extra electricity. This holds true for self-cleaning ovens, too.
 
6. Contact your utility supplier for the latest ways to save on utility charges. With today’s smart devices, appliances can be programmed to use less energy at certain times of the day.
 
7. Check out your home. Hire a home assessor to identify ways you can save on your overall energy and water costs.
 
8. Comparison shop. Never buy the first model you see. Household appliances are not cheap, and to find the most energy-efficient one at the best price, you’ll need to comparison shop. Don’t pay for the name in a specific model; compare the details of each machine.

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3 Steps to Strong Passwords You Can Remember

Passwords are the house keys to your online accounts, and when they’re hacked, intruders can break in and wreak havoc.

Women typing on computer

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To create strong passwords, you have to strike a balance between making them difficult for others to guess and making them easy enough for you to remember. Many people favor simple ones at their own risk: “123456” and “password” have remained the two most common passwords for six years, according to password security company SplashData.

Unlike many other security measures on websites, a password is one you have full control over. And given that over 1,000 data breaches happened in 2017 alone, according to the Identity Theft Resource Center, it might be time to strengthen your passwords. Here’s how.

How to make a foolproof password

1. Start with a sentence

Despite the “word” in “password,” it’s better to think of starting with multiple words. Some websites require only six or eight characters for passwords, but that doesn’t mean it’s a recommended length.

» MORE: How to make online banking more secure

When it comes to passwords, “longer is better,” says Richard Crone, a payments expert and CEO of Crone Consulting LLC. “And the way to do that is to use a sentence structure.”

Pick a sentence that’s memorable but doesn’t have details that relate too closely to you. Avoid using birthdays or the names of pets or family members, and feel free to be creative. Here’s an example: “cats do not like cucumbers.” Then, take out the spaces, “catsdonotlikecucumbers.”

“It’s really the length and the unrelatedness that gives you the best protection,” Crone says.

2. Avoid using real words

Change how your sentence looks by removing all the vowels, or only use the first one or two letters of each word. Don’t use dictionary words, which makes your password easier to guess.

The previous example becomes “cadonolicu” if you’re using the first two letters of every word in that sentence.

3. Mix in numbers, symbols and uppercase letters

Bring in a variety of characters to your password. Some websites have minimum requirements so you need to use at least one capital letter, one lowercase letter and a number. You might have to add a symbol like a period or exclamation point, too. As you mix it up, don’t repeat letters, numbers or symbols right next to each other.

By capitalizing some letters, replacing the “l” with an exclamation point and turning an “o” into a zero, the sample password becomes “CaD0No!icU.”

Use a password manager

The steps above help when you’re creating one really strong password, but remembering a dozen or more such passwords might make your head spin. That’s why you might want to consider using a password manager such as LastPass or Dashlane. There are free options, but some features are available only for purchase.

Think of a password manager as a bank vault that creates and stores long and complex passwords so you don’t have to. The only password to know is the one that unlocks the vault. Once you type that one, you can log into whatever online accounts you decide to keep on the password manager.

If you don’t use an online password manager, consider writing down complex passwords and storing them in a safe place such as a locked cabinet at home or in an encrypted file on your computer. These passwords should be difficult to access as well as to guess.

A password is “like scrambled eggs,” Crone says. “The more you fluff it up and spice it up, the better.”

The article 3 Steps to Strong Passwords You Can Remember originally appeared on NerdWallet.

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Why Do I Need To Get Preapproved For A Loan?

 
Q: I’m in the market for a new home, and everyone I talk to, from friends to financial advisors, suggests I get preapproved for a mortgage before I start house hunting. Why is this so important?
house with sold sign

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A: You’re actually on the receiving end of great advice. When looking to take out a large loan, whether it’s for purchasing a home or buying a car, having that preapproval in hand before you start your search is crucial.

Depending upon the type of loan, the process of getting preapproved for a loan can take time. The lender will begin by asking for your financial history and other personal information. If you have a co-borrower, the lender will need this information about them as well.
 
You’ll be asked to provide your Social Security Number (SSN) and for permission to allow the lender to access your credit report. If the information you provide is satisfactory, as is your credit report, the lender will begin constructing the details of your loan. When they have determined how large of a loan you will be eligible for, they will grant you a preapproval letter. The letter will also detail your estimated interest rate on the loan, though that will sometimes also depend upon the specifics of your purchase, such as the year and condition of a car or appraisal on a home.
 
Having your preapproval letter will shorten the loan process significantly when you’re actually ready to take out the loan. However, that is only a small benefit of getting preapproved before you start “shopping.”
Here are some other advantages of getting preapproved for a loan:

1.) You’ll know what you can afford

Your preapproval will tell you exactly what you can afford. This way, you’ll avoid being disappointed later when you have your heart set on a certain home only to be told you can’t swing it financially. Knowing how large a loan you’ll qualify for will simplify your search and get you into your new home or car sooner.
Be sure to calculate other monthly costs, such as property taxes, home insurance and increased auto insurance rates when determining the actual amount of money you’ll need to shell out each month.

2.) Don’t get taken for a ride

Picture this scene at a car dealership:
 
Salesperson: So, you’re here to buy a new car! What are you looking for?
You: Well, I want something with a smooth ride and –
Salesperson: Got it. And how much of a monthly payment can you afford?
You: Weeelll, I think I can swing up to $200 a month, but I’d rather something closer to $150 if you —
Salesperson: Step right this way please! Let me show our new line of Camrys at just $205 a month! They have the most luxurious feel and the ride is smooth as butter!
 
What happened here is, quite simply, a salesperson looking to make the most money out of a customer. When you’re unsure about how much you can spend, the dealer will capitalize on your uncertainty and try to sell you a car that just barely skims the maximum amount you’ve decided you can afford.
 
Also, when you name a monthly payment you can manage, the dealer will work with that number instead of talking about the price of the car. They may try to inflate the payment with charges and fees just because they fit within your named payment amount.
 
In contrast, when you show up at the dealer with a preapproval in hand, the salesman will have to show you cars with price tags that fit within your loan amount.
 
Don’t get taken for a ride; get your preapproval before you set foot in the dealer shop!

3.) Be taken seriously

A car dealer will take you a lot more seriously when you wave that preapproval in their face, since having that information in hand shows you’re ready to buy.
 
When purchasing a home, the same rule holds true. A realtor will be able to assist you more efficiently when you know exactly how much house you can afford. They may also give you better service since you’re showing that you’re serious about buying a home. In fact, many realtors refuse to show homes to buyers who don’t have a preapproval in hand.

4.) Know you have financing you can trust

When you show up at the car dealership with a preapproval from your credit union, you know the deal is in your best interest. Many auto shops have access to several financing options and they’re almost always going to put customers into financing options that are in their own wallet’s best interests.

5.) Purchase your dream home

A preapproval makes you a valuable customer. It also helps you stand out from the pack. If you’re looking to buy a home in a competitive market, you may be competing with several other buyers for the same house. Having your preapproval will give you a leg up on bidding wars. A seller will be more eager to work with someone who’s already started the mortgage process. You can end your search sooner with a preapproval!
 
In the market for a new home or car? Don’t forget to call, click, or stop by 705 Federal Credit Union to hear about our fantastic rates on mortgage and auto loans!

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A Different Breed Of Diversification: What Multiple Certificates Can Do For You

Earn More with a Share Certificate!

Coins

Photo Credit: https://pixabay.com/en/money-home-coin-investment-2724241/

For planned savings, share certificates (aka “savings certificates” or “certificates”) are a great option. They allow you to earn a pretty good return on your money while keeping it accessible enough to use for major expenses. If you’re planning on buying a house or a car, keeping your down payment money in a certificate can help it grow toward your goal a little faster.

 
What if, though, you’re saving for both of those things? It’s difficult to make partial withdrawals from a certificate, and doing so can hurt your earnings. Let’s take a look at three ways to solve this problem, and consider the pros and cons of each.

1.) Lump it all together

One option would be to put all your savings goals into one certificate. You’d take your house down payment, your car funds, your vacation savings and your rainy day money and put them all in a single certificate. This strategy is simple and straightforward.
 
The good
 
First, there’s only one statement to keep track of each month. At tax time, you’ll only have one document that shows the dividends you’ve earned, and you won’t have to track down multiple pieces of paper to figure out how much you’ve got saved. You can make withdrawals when it comes time to achieve your savings goals, and put the remainder into a new certificate at that time. Sometimes, larger sums of money earn better rates, so lumping all your money together can improve your return over the long haul.
 
The bad
 
Because all the money is in one pot, it can be difficult to determine how close you are to each goal. You’re also stuck on the time frame of your shortest-term goal. If you want to buy a car in a year from now, you can only get a one-year term to save for everything, including the house you want to put a down payment on in five years. That short-term rate may not be as good as you could get otherwise.
 
The bottom line
 
If all your savings goals are on a similar time frame, or if simplifying your financial life is your foremost priority, a single certificate for all your savings is a good idea.

2.) Different certificates for different goals

In this slightly more complicated approach, you would open one certificate for your car down payment, one for your house savings and one for your emergency fund. These would all be held in different certificate accounts, and would earn interest separately.
 
The good
 
Since each of your savings goals are in individual accounts, you can get better rates by locking long-term goals into long-term certificates. Instead of keeping all your money tied to the term of your shortest goal, you can stagger your terms to meet the individual needs of all your goals. This will allow you to lock in better rates and make more strategic withdrawals at the time you need the money. Dividend rates change over time, so multiple certificates allow you to avoid the risk of missing better rates, since you have more opportunities to re-lock rates.
 
The bad
 
The variable interest rates can make figuring your earnings difficult, and the multiple accounts can create some confusion when tax filing time arrives. Having multiple accounts also might keep you from getting the best dividend rates, which are reserved for larger balances. So-called “jumbo” certificates can magnify returns if your savings exceeds a certain amount. You may also have an emergency that requires you to dip into savings; in these instances, you may have difficulty accessing a significant portion of your money.
 
The bottom line
 
Multiple certificate accounts offer a combination of flexibility and security that would be helpful for those with a diverse range of goals.

3.) The ladder

A certificate “ladder” is a strategy that uses multiple long-term certificates opened at regular intervals. The objective of a ladder is to secure the best rates possible while ensuring some money is still available at regular intervals. For example, a five-year ladder involves buying a series of certificates so a five-year account is maturing each year.
 
The good
 
A ladder is very flexible and it helps to lock in the best available rates. Long-term certificates have the best rates, regardless of size, and a certificate ladder lets you take advantage of them. It also protects you against the usual problem of long-term certificates. When rates change, you have the flexibility to reinvest and secure those rates.
 
The bad
 
Setting up a certificate ladder can require some very careful planning, and the minimum investment is much higher. Instead of needing the minimum deposit for one certificate, you need the minimum deposit for five of them. Additionally, only one-fifth of your savings are available at any one time. If you’re saving for a large single goal, this can complicate matters considerably.
 
The bottom line
 
Ladders are a complex strategy that can maximize returns for those who are saving for flexible goals like vacations, home renovations and vehicles.
 
Whatever your financial plan, certificates have an important role to play. They make saving for your goals, near and distant, easier. If you want to discuss how certificates can fit into your savings portfolio, call, click or stop by 705 FCU today!

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International Credit Union Day: Dreams Thrive Here

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

Dreams Thrive HereICU Day – celebrated on the third Thursday of every October since 1948 – will be on October 19, 2017. The day has been designated as an occasion for credit unions all over their world to recognize the history behind the credit union movement, its spirit and its philosophy. It’s a day to share your experiences as a member and to reflect upon all the benefits you enjoy by being a part of your credit union.

It’s also a day to have fun! Credit unions vary in how they commemorate the day, with celebrations that may include parades, picnics, contests, fundraisers or free promotional materials at the credit union’s local branch. At our credit union, we’re planning to a whole day of fun!

Each year, CUNA and the World Council of Credit Unions chooses a theme for ICU Day. The theme for 2017, selected via an online poll of credit union professionals, is “Dreams Thrive Here.” As a credit union member, you can testify to the absolute truth of this statement. Credit unions do help your dreams thrive, because they make them possible.

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.

1.) Members first

As a member of a credit union, you own a piece of the organization. Credit unions are not stuck answering to Wall Street – we only want what’s best for you. This keeps our focus in the right place. Instead of working on earning the biggest profits, we can focus on offering superior member service and policies that are as member-friendly as possible. You’ll have a say in the way your credit union runs, and if you find yourself in a difficult situation, you’ll find representatives who are willing and happy to help you.

2.) Lower fees

Banks earn a significant portion of their profits through their fees. While a credit union will also have fees attached to certain products and services, these tend to be lower than similar fees you’ll find in a bank. What all this means for you is lots of money saved just by choosing to trust the credit union with your money.

3.) We’ve got your back

Everyone has their ups and downs. If you’re going through a rough patch, a credit union is willing to work with you through that challenging time. While a bank is more likely to turn down a borrower with a poor credit history, a credit union member representative wants to help you out. Loan officers will be happy to meet with you and work to find a loan that best suits your needs. If necessary, representatives are also here to help you learn the basics of budgeting and money management, often offering programs to help you gain control over your budget and cover unexpected expenses.

4.) Better interest rates

When you open a savings account or a CD, one of your biggest concerns is the interest rate. You want your money to grow as much as possible.

Lucky for you, credit unions offer higher interest rates on savings accounts and lower interest rates on loans. You read that right – remember, they want what’s best for you! Since they’re not focused on making a profit, they only need to cover operating costs. All the money they save by focusing on what matters to you is passed down to the member via these favorable interest rates. This means you can save on any loans you may need and that the money in your savings accounts will be earning at a higher rate, just because you chose 705 Federal Credit Union.

As you can see, we’ve got lots to celebrate!

Here at 705 Federal Credit Union we’re gearing up for a fun-filled, memorable day. Join us on Oct. 19 for a gift basket drawing, wheel of prizes, contents and refreshments as together we celebrate everything that makes a credit union special. Can’t wait to see you there!

SOURCES:
https://www.woccu.org/networking_education/icuday
https://www.woccu.org/newsroom/releases/2017_International_Credit_Union_Day_Theme_Announced
https://www.cuna.org/Marketing-And-Member-Education/Member-Events-And-Promotions/International-Credit-Union-Day/International-Credit-Union-Day/
https://www.cuinsight.com/press-release/2017-international-credit-union-day-theme-announced

The Dos And Don’ts Of Credit Repair

Need a financial counselor? We have two!

Starting the Credit Repair Process

If you’ve recently been rejected from a loan application of any kind, you may be looking at a poor credit score for any number of reasons. You might have been late with your credit card payments, have an outstanding judgment against you or have even been victimized by identity theft. This is just the article to begin credit repair step-by-step.
 
Whatever the cause of the fall in your score, you’re probably looking for ways to get it back on track. Tread carefully! There are lots of dishonest opportunists looking to make a quick buck off your pressing need. Don’t become the next victim of a credit repair scam. In fact, there’s nothing a credit repair company can do for you that you can’t do yourself.
 
This probably has you wondering how to untangle the legitimate steps you should be taking now from the pointless and costly actions. Look no further! Our handy guide of credit repair dos and don’ts will help get you on the road to improving your credit score.

Do: Determine your actual credit score

If a recent credit application of yours has been denied, don’t take it at face value – find out why it happened. The three major credit reporting agencies – Equifax, Experian, and TransUnion – are each required to provide you with a complimentary copy of your credit report once a year, upon request. To order yours, visit annualcreditreport.com, or call 1-877-322-8228.
 
If you’ve already requested a report from each of the agencies in the last 12 months, you can still get one free of charge; you are entitled to a free report whenever a company takes adverse action against you, such as denying your application for credit, insurance or employment. To qualify, just request a report within 60 days of receiving notice of the action.

Do: Review your report and dispute any errors

Once you receive your report, review it for inaccuracies. If you spot any fraudulent purchases or erroneous information, you’ll need to dispute them in writing. In your letter, identify every item you are disputing and the reasoning behind your claim. Include copies of documents that support your stance and ask that the errors be removed or corrected. It’s best to send your letter by certified mail so you can ensure the credit reporting company actually received it if that is necessary. Also, keep a personal copy of your letter and all supporting documents for your own records.
 
You’ll also need to dispute the charge with your actual creditor, taking the same steps you did above.

Don’t: Expect any quick fixes

Anxious as you may be to improve your score, know that there is no “quick fix” for creditworthiness. Enhancing your score takes time, lots of hard work and creating and sticking to a realistic debt repayment plan.
 
If your credit score is poor, you may be bombarded with promotional material from credit repair companies that promise to increase your score by 100 points in less than a month. If you think these claims sound too good to be true, you’re absolutely right. There are some legitimate credit repair companies out there, but as mentioned, there’s nothing they can do for you that you can’t do on your own – and without paying their hefty fee.

Do: Take steps toward fixing your credit

If you’ve determined that your credit report is accurate, you’ll want to take a careful look at the habits that may be leading to your unfavorable score.
Are you timely with your credit card payments? If you’re consistently late, consider setting up an automatic bill-pay system so you never forget to make a payment. Are you making headway on your debt? If you’re paying your bills on time but your debt is not going anywhere, it’s time to rethink your spending habits. Don’t shop with credit cards; use only debit or cash. Look for ways to trim your expenses, like couponing wherever possible, planning dinner menus around sale items, and finding cost-free ways to relax instead of blowing money at a restaurant or on retail therapy.
 
Are your monthly bills unmanageable? If you can’t make it through the month and still meet all of your minimum payments, your debt may need an overhaul. Consider debt consolidation, in which your debt is transferred to one low-interest account, or a balance transfer to a card that has an interest-free period. Be aware, though, that lots of open credit is not considered favorable by creditors; close as many accounts as you open – but leave your oldest one open as it shows a longer period of credibility.
 
Also, no card is interest-free forever. When the introductory period ends, you may be hit with higher than usual interest rates. Alternatively, you can contact your creditors and work out a more reasonable payment plan.
 
If these options don’t sound feasible, try finding ways to increase your income instead, using all extra cash exclusively for paying down your debt.
 

Don’t: Expect to see any changes immediately

Don’t fret if you’ve made strides toward fixing your credit and haven’t yet seen an increase in your score. Creditors will only report to the credit reporting agencies on a periodic basis, usually once a month. It may take upward of 30 days or more for your account to be updated and your score to improve.

Do: Ask us for help

Here at 705 FCU, we’re all about helping you manage your finances. If you’re in financial trouble of any kind, we can help! Stop by today to ask about our credit counseling services and assistance with creating and sticking to a budget. [We even offer debt consolidation loans, providing you with the opportunity to transfer your debt to one low-interest loan, making the prospect of paying down your debt a lot more manageable. Email a loan officer to learn more!]
 

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How To Shop For Fall On A Budget

Fall Savings Tips

fall leaves

Photo Credit Union: http://ow.ly/QpzC30j5hAr

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!
 
While your child may be outfitted for the new school year, you might need some warmer autumn clothing for yourself. And of course, if the leaves are starting to change colors, it can only mean that winter isn’t far behind. That brings with it a whole slew of wardrobe necessities and accessories you’ll need to purchase, both for yourself and the rest of your family.
 
If the dollar signs dancing before your eyes are starting to look frighteningly large, you can relax! As always, 705 Federal Credit Union is here to help you navigate this potentially expensive task and show you creative ways to save, even as you bundle up your family for the fall and winter seasons.
 
Read on for six timely money-saving tips this shopping season.

1.) Layer up

Don’t pack away your summer clothing just yet! The temperatures may be dropping, but you can still find many uses for those tank tops and summer dresses; save them for layering up in colder weather. You can stick a long-sleeved T-shirt under a dress and add leggings and boots to make it warmer. If you’re a genuine fashion guru and will wear any trend, you can even wear shorts in the winter and stick a pair of leggings or warm tights underneath.

2.) Take inventory

You check your pantry before heading to the supermarket; shouldn’t you also take stock of your closets before hitting the mall? This is especially important when shopping for a new season. It’s easy to forget pieces you’ve got hidden in the back of your closet or buried deep in a drawer from last winter. Take a careful inventory of what each family member has and what they still need and write it down. This way, you won’t come home to find that you already have what you’ve purchased.

3.) Shop the sales

Fall has a few observed holidays that bring awesome sales – so take advantage! There’s Columbus Day, Veterans Day and then the markdown day of the year, Black Friday. There’s also Cyber Monday and Small Business Saturday. It’s worth waiting for the next holiday to buy what you need. You’ll save a lot just by being patient!

4.) Shop online – without paying shipping

Online shopping can be significantly cheaper than retail stores – until you need to chalk up $6.99 for shipping, that is.
Beat the system by looking for free shipping on sites like Freeshipping.com, or by taking advantage of the free in-store pickup available at many retailers. Many stores also offer coupons to first-time online shoppers. If you’ve already shopped a store online, you can sign in using another email address and still snag the deal.
 
Even if you prefer live shopping and like to try on your clothing before you buy, it pays to check out a store’s online inventory before going to the brick and mortar shop. This way, you’ll know what they have and what you like instead of wasting time browsing racks and finding the perfect top with the perfect price several hours later.

5.) Time it right

There’s a season for every purchase. If you wait until a specific item goes on sale, you’ll save big. For example, jeans always get marked down in October and last winter’s boots will show up on the sales racks at the end of September. It’s worth it to wait until these times to buy these items.
 
Also, winter coats hit the sales racks as soon as Christmas is over. Depending on the climate in your area, you may be able to hold off on buying a coat until after the holidays to await a super deal. Alternatively, if your old coat is in fairly good condition but you’d like a more updated look, consider making do with last year’s coat for now, and buying a new one when they go on sale.

6.) Shop the overstock

Stores that specialize in deeply discounted merchandise, like DSW, T.J. Maxx, and Marshalls, can be a terrific source for name brand clothing at generic prices. You may have to sift through rows of racks until you land a real bargain, but it’ll be well worth your time. These stores are especially beneficial for stocking up on basics.
 
On a similar note, be sure to check out secondhand stores and sites like Overstock.com for incredible deals on stuff you need.
Don’t break the budget this shopping season. With a bit of planning and strategic shopping, you can outfit your family for warmer weather.

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