ࡱ> /1*+,-.L bjbjWW .`55l l fV$ĕZ b$b$b$  )))b$V)b$)))0&RNѐ60fK^ '~({:)  (fb$b$b$b$l :   Newsletter Articles Short Version 36500 Corporate Drive, Farmington Hills, MI 48331 1.877.33ACCEL www.accelservices.org Table of Contents IntroducingAccel 1 Its a Good Idea to Check your Credit Report Regularly 2 How Much Debt is too Much? 3 What is Identity Theft? 4 Is Debt Straining your Marriage? 5 Falling Behind on your Mortgage? 6 Your Credit Rights 7 Ten Rules for Successful Money Management 8 Lifelong Money Management Tips 9 What is My Credit Score? 10 Money Matters for Kids 11 Back-to-School Savings for Your Household Budget 12 Keep Your Budget in Mind When Planning a Vacation 13 Planning for the Holidays 14 Reducing Expenses to Achieve Your Goals 15 Balancing Your Checkbook 16 Servicemembers Civil Relief Act 17 Choosing a Credit Counselor 18 Me and My Car 19 What the New Bankruptcy Reform Act Means to You 20 Be on the Lookout for Higher Minimum Payment on Your Credit Cards 21 You Can Control Your Spending 22 Whats Your Money Personality? 23 Saving for the Future Start Early 24 Dont Get Hooked by Phishing 25 Love and Money Can Go Together 26 Surviving a Layoff 27 Do Your Homework Before Heading to College 28 Seven Steps to a Successful Budget 29 The Cost of Cars Borrow Smart 31 Cosigning is Serious Business 32 Is Refinancing Right for You? 33  1 IntroducingAccel (Credit Union) is pleased to announce the newest member benefit Accel Members Financial Management. As a valued member of (Credit Union), we are committed to serving you. And as a benefit of your membership, we are providing you with free access to money management and financial education services. (Credit Union) has teamed up with Accel, a financial management program. Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 40 years. Through our partnership with Accel, you will enjoy unlimited access to financial counselors without paying its free! As a member of (Credit Union), you can receive assistance with: Personal and family budgeting Understanding your personal credit report and how to improve your score Personal money management Debt repayment Avoiding bankruptcy, foreclosure, and repossession Accel can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away. Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 2 Its a Good Idea to Check your Credit Report Regularly When was the last time you saw a copy of your credit report? If its been more than one year, then its probably time to take another look. Under a federal law, consumers can order a free credit report from all three of the major credit bureaus Experian, Equifax, and Trans Union. Through a program set up by the Federal Trade Commission, you can obtain a free copy of each report once a year. If you prefer to do it online, go to annualcreditreport.com. You can also order your free report by phone by calling toll free 1-877-322-8228 or by writing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can order all three reports at one time or stagger your order over time. Once you get your report, an Accel counselor is available to review the report with you. They will help you understand how to read the report, show you how to dispute inaccurate information, and discuss credit scoring. As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 3 How Much Debt is too Much? If you worry that you have too much debt, youre not alone. Too much debt is like playing with fire. But, how do you know if you have too much debt? Take the following quiz. If you answer YES to any of the questions, your debt might be out of control. Are my credit card balances rising or is my income decreasing? Do I only pay the minimum amounts required on my accounts? Do I consistently charge more each month than I make in payments? Do I use new credit or cash advances to pay bills? Am I over the limit on any credit cards? Have I received phone calls or letters about delinquent bill payments? Do I know how much I owe and am I afraid to find out? Do I hide the true cost of purchases from my spouse? Do I work overtime to keep up with credit card payments? Do I dip into savings to pay monthly bills? Have I lost my job, or am I fearful that I might? Do you need some assistance with your debt? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 4 What is Identity Theft? Identity theft is one of the fastest growing crimes in the United States. Millions of Americans are affected each year. If your identity is stolen, you could spend months or years and possibly thousands of dollars reclaiming your name and cleaning up the mess that the thief has left for you. Identity theft occurs when someone assumes your identity by using your personal or financial information to open bank, credit card or other accounts in an attempt to commit fraud or theft. If you become a victim, act quickly. Contact the credit bureaus Contact your creditors and financial institutions Contact local authorities Contact government authorities Maintain good records and follow-up You can protect yourself against identity theft in the following ways: Guard your Social Security number Protect your passwords and PINs Use technology wisely Manage your personal information at home Be cautious when youre out and about Have questions about Identity Theft? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 5 Is Debt Straining your Marriage? Sometimes debt strains a relationship and couples never recognize it. Breakups, fights, and tension are blamed on more obvious causes instead of the underlying problem of mounting bills and dwindling bank accounts. Here are some tips to help ease the tension and open the lines of communication if you are faced with financial challenges. Dont place blame Admit there is a problem Deal with concerns in a positive way Get to the root of poor spending habits Seek advice from a certified financial counselor As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 6 Falling Behind on your Mortgage? Don't allow fear to rule your finances. If you're delinquent in your mortgage payments -- or expect to be -- the best thing to do is to contact the mortgage service representative quickly. Calling right away can help you avoid late charges and blemishes on your credit report. Communication puts you in a positive light with the lender. Lenders are not out to get borrowers. It costs a lot of money to foreclose on a house. When borrowers suffer temporary financial setbacks, lenders prefer to help customers get back on track and keep their homes. As a valued member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Accel housing counselors are available to help you. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 7 Your Credit Rights Do you know your credit rights? Here is a short list: Truth in Lending Act Mandates the disclosure of cost requirements for the annual percentage rate and the finance charges and requires that loan terms and conditions are clearly communicated Fair Credit Reporting Act Provides the consumer with the right to know what is in his/her file, have incorrect information investigated, and limits the time credit information may be maintained in a file Equal Credit Opportunity Act Prohibits creditors from discriminating against credit applicants based on sex, race, marital status, national origin, religion, age, or the receipt of public assistance Do you have a question about your credit rights? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 8 Ten Rules for Successful Money Management Always remember that the most important factor in using money wisely is not how much money you makebut how you use it! Here are ten rules that can help you achieve financial success. Arrange a family system for handling money Make a spending plan suited to your own income and needs Decide on your familys most important goals Plan ahead for the entire year Include all of your income and expenses Make the entire family aware of the plan Pay yourself first by trying to save 10% of your income Stick to your plan Review your plan once a month Hold family meetings to review the progress together Need help getting started? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 9 Lifelong Money Management Tips Its never too late to get your financial records organized. Here are some tips to help you sort through all the records. Keep a home file that includes: Information on credit and debit cards, checking and savings accounts Copies of insurance policies, warranties, guarantees, and contracts Information on home mortgages, land, and other property Information on motor vehicles and drivers licenses Copies of birth, marriage, death, divorce, and citizenship papers Copy of will, last instructions, and safe deposit box keys Tax records for the last six years Records of pension plans, education, medical, and employment Current household inventory Keep a safe deposit box that includes: Birth, death, marriage, divorce, adoption, and citizenship papers Property Deeds Motor vehicle titles Stock and bond certificates U.S. savings bonds Important contracts Military discharge and veteran papers Patents and copyrights Important disks or CDs Photos of your home inventory As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. An Accel counselor can help you get organized. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 10 What is my Credit Score? Weve all heard so much in recent years about credit scores. But, what are they and how are they used? A credit score is an empirically derived, statistical method that lenders use to assess risk. Its a way for credit reporting agencies to assign a numerical number to your credit worthiness. This number is used to predict the relative likelihood that you will repay a credit obligation, such as a mortgage loan or automobile. The most common model for credit scoring is the FICO score. FICO scores range from 300 to 900 with the higher the score, the lower the risk of default. Each of the major credit bureaus Experian, Equifax, and Trans Union - can produce a FICO score based on credit information in its files. There are things you can do to improve your score in the future: Pay your bills on time Pay down your balances Apply for new credit sparingly Need to find out more? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 11 Money Matters for Kids It makes sense that money management skills should be an important part of a childs education, but this is one area where you cant count on school to do the job for you. More schools are including money skills in their curriculum, but the buck stops here applies to parents. Discussing the family budget with your children, setting reasonable allowance for each child in the family, and teaching your children to manage their money, are life skills that affect you as well as them. Its one of the best things you can do for your child. Begin teaching your children at an early age. Preschoolers can learn to identify the different coins and bills and where money comes from. With kids ages six to eight, focus on money skills such as setting up a monthly saving goal and managing an allowance. Work on smart money habits such as comparison shopping and understanding how a checking account works with kids age nine to 12. Teenagers can get involved in doing research for a major family purchase and creating a budget for clothing purchases, for example. Need some help with teaching your kids about money? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 12 Back-to-School Savings for Your Household Budget Students arent the only ones wholl need to pull out the pens, paper, and calculators for the back-to-school season. Parents who want to keep back-to-school spending under control should consider doing the same. Backpacks, paper, books, pens, pencils, calculators, computers, clothes and shoes are basic necessities that can add up quickly and become significant expenses for any household. Develop and stick to a solid spending plan to avoid overspending. Here are tips to help keep your budget on track: Develop a back-to-school budget Take an inventory of school necessities Create a comprehensive shopping list Involve children in decision-making Shop for the best prices Check for sales tax holidays Limit expensive brands Use credit wisely If you would like to discuss your back-to-school budget with someone, you can take advantage of the Accel program, a free financial education and counseling program of (Credit Union). To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 13 Keep Your Budget in Mind When Planning a Vacation Vacations dont have to be expensive to be memorable and fun. Here are some suggestions to plan a successful vacation. Create a vacation budget Involve your family Research your vacation options Plan your itinerary in advance Have a credit plan If you would like to discuss your vacation budget with someone, you can take advantage of the Accel program, a free financial education and counseling program of (Credit Union). Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 14 Planning for the Holidays The holidays always seem to be just around the corner. It won't be long before families are exchanging presents. Holidays and gifts can take a big bite out of your budget so plan ahead to keep your budget under control. The following are suggestions to help your holiday budget: Shop early for gifts Make your own gifts Don't be a "One gift for you...one gift for me" shopper! Use layaway plans if possible If you have a large family, consider drawing names to exchange gifts Shop your local craft fairs and shows for specialty items Family members would appreciate an IOU to mow the loan or wash the car in the spring Fill stockings with inexpensive items Don't forget to plan ahead for expenses such as holiday decorations, special candies, baking supplies (especially if baking for gifts), increased utility bills, food consumption and wrapping paper. These expenses are rarely considered and can really add up fast. Need help with a holiday budget? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 15 Reducing Expenses to Achieve Your Goals Achieving financial goals sometimes requires making adjustments to your family budget. Quite often, cutting back on expenses can generate the largest results in the shortest period of time. Its not how much you earn in your lifetime, but how much you spend that can keep you from achieving your goals. So, if you have a financial goal in your life, take a look at your spending as a way to save the money to achieve that goal. Here are just a few helpful tips: Reduce grocery expenses Cut down on meals out, vacation travel, and expensive hobbies Cut consumption of non-nutritious beverages Do home maintenance and repair jobs yourself Use utilities and household supplies more carefully Spend less for clothing and personal care Reduce trips to the beauty or barber shop Purchase a more economical car Use the public library instead of buying books and magazines Give fewer gifts or spend less on gifts Need help with your financial goals? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 16 Balancing Your Checkbook Knowing how to successfully balance your checkbook is an important component of sound personal money management. Balancing your checkbook gives you more control over your day-to-day finances and can help you reduce or eliminate overdraft fees and non-sufficient fund (NSF) fees. Organization plays a key role in successful checkbook management. The same organizational tools used to manage your checkbook can be applied to other areas of your personal finance matters including budgeting, debt management, savings, investments, and retirement planning. Need to find out more? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 17 Servicemembers Civil Relief Act If you are a service member on active duty, you are under the umbrella of protection provided by the Servicemembers Civil Relief Act of 2003 from the day you take the oath to the day you leave military service. It is one of the most comprehensive and enduring packages of protection Congress has ever enacted on service members behalf. The Servicemembers Civil Relief Act provides protections against undue burdens placed on service members. The Act can help service members with credit card and mortgage interest rates and civil litigation such as repossession of property, bankruptcy, foreclosure, or other such actions. Need to find out more? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 18 Choosing a Credit Counselor Living paycheck to paycheck? Worried about debt collectors? Can't seem to develop a workable budget let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. If you have shopped around for a credit counselor, you may have found that they arent all the same. They vary in the services they offer and the fees that they charge. Some credit counseling agencies have even been cited for ripping off consumers. That is why (Credit Union) has partnered with the Accel program, a free financial education and counseling program that is now available to you as a member benefit. Look no further than (Credit Union). Weve done the homework for you. Need a credit counselor? Call an Accel counselor Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 19 Me and My Car Buying a car can be one of the most exciting decisions you will ever make and one of the most confusing. How do you decide whether to buy a new or used car? Consider the advantages and disadvantages of each option to decide what is best for you. New CarUsed CarAdvantagesYou get the year, make, model, color and features you want You will have less concern with mechanical problemsAre less expensive You might not need a loan Youll have lower insurance costsDisadvantagesCould be more expensive Requires you to take out a loan Youll have increased insurance costsYoull have an increased risk of mechanical problems Your choices may be limited Whether you choose new or used, always remember to research your car choices and prices, get pre-approved for a loan, take a test drive, and negotiate the price. Are you looking for a strategy to use to decide whether to buy new or used? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 20 What the New Bankruptcy Reform Act Means to You By now, you may have heard that the Federal government has passed a new bankruptcy reform act called The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005. This new law went into affect in October 2005. The new Bankruptcy Reform Act has tightened the standards making it more difficult to discharge debt. A few of the key items that relate to credit union members include: Requires mandatory financial counseling prior to filing bankruptcy Requires an instructional course concerning personal financial management prior to receiving a bankruptcy discharge Requires a means test to determine if you have enough income to pay back at least a portion of the debt If you are worried about bankruptcy, we can help. As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org Everyone here at the (Credit Union) wants to ensure that you fully understand the alternatives to and the consequences of filing for bankruptcy. Accel provides the financial education and training necessary to learn the skills and tools to avoid financial difficulties. 21 Be on the Lookout for Higher Minimum Payments on Your Credit Cards Coming to a credit card near you higher minimum payments!! If you have not already seen a minimum payment increase on your monthly credit card bills, be on the look out because they are on their way. New federal guidelines suggest that credit card companies establish reasonable periods of time for consumers to pay back credit card balances. The suggested period of time is a seven to 10-year payback. This means that minimum payments could increase to as much as 4% of the balance, or a doubling of your monthly payment. Some of the major credit card issuers have already announced the increase and others are expected to follow. What does this mean for you? Take for example, any of the 40% cardholders who maintain an ongoing revolving debt of $10,000 and make monthly minimum payments totaling $200 per month. An increase to $400 per month for monthly minimum payments is not a drop in the bucket. If you are already living paycheck to paycheck, an increased outlay of $200 per month can put you over the edge. What can I do? Two things! First, consider a balance transfer to a (Credit Union) Home Equity Line of Credit or Visa card. Or, if you are having a tough time making the minimum payments on your credit cards, you can take advantage of the Accel program, a free financial education and counseling program of (Credit Union). Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 22 You Can Control Your Spending You might have some concern about your spending habits. Maybe you are an over spender. Whether you are a controlled spender or an over spender, there are many tools and techniques to help you transform negative habits into positive behavior. Here are a few: Stay clear of the spots where you know that you spend lots of money Take a timeout Think before you buy. Adopt the policy: I will use layaway, the stores hold policy or I will wait two weeks before I buy this item. Shop with a list Eliminate impulse buys. Use a list and stick to it. You can still splurge but do it economically and consciously. Splurge at Goodwill instead of Saks Fifth Avenue. Track your money and use cash when you purchase items Call a friend - Talking with a trusted person can reduce the urge to splurge Marketers would prefer that you shopped from a subconscious level. Fight back before you buy. As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 23 Whats Your Money Personality? Have you ever wondered why you use money in a particular way? Many forces impact the development of your money personality. One way to evaluate your approach to money is to identify your attitudes about money. Where do you fit? Hoarder The hoarder likes to save, budget, and prioritize Spender The spender likes to spend Planner The planner is the nitty-gritty, take-it-one-step-at-a-time type Dreamer The dreamer hatches passionate schemes, but has no idea how to make them come true Merger The merger wants to pull all of the couples money together Separatist The separatist wants at least some of his/her own money Risk-taker The risk-taker loves adventurous investing Risk-avoider The risk-avoider goes for the sure thing As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 24 Saving for the Future Start Early The earlier you start saving, the more you will benefit from compounding interest. This is the interest earned on interest payments already built up in an investment fund. The earlier you begin, the larger your nest egg will grow. Heres an example of two friends, Grace and Drew, who had different savings strategies. Grace saved $1,000 a year for 10 years, starting at age 25. Drew saved $1,000 a year for 25 years, starting at age 40. Both earned the same 8 percent return. Who ended up with more money at age 65? It had to be Drew, right? Wrong. Grace benefited from her head start and the power of compounding. Heres the breakdown: GraceDrewBegan saving at 25Began saving at 40Saved for 10 yearsSaved for 25 yearsAge now is 65Age now is 65Total saved: $10,000Total saved: $25,000Savings grew to $157,435.17Savings grew to $78,954.42Totals assume $1,000 savings is made at the beginning of each year. Need to talk to a financial counselor about saving money? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 25 Dont Get Hooked by Phishing Phishing is a practice that online fraudsters use to fish for confidential passwords and financial data from the sea of Internet users using email. Phishing has two major components: Spoofing occurs when thieves create a near exact replica of an existing website Spamming occurs when you receive unsolicited email also known as junk email. A typical email will tell you that you need to update your account information for a financial institution account and will lead you to the bogus website. Phishing occurs when identity thieves use spoofing and spamming to lure you into providing personal and financial information on the Internet. WHAT YOU CAN DO: Delete unknown email messages and dont download attachments or click on links included in the email Dont send personal or financial information via email Make sure that you are on a secure, encrypted website before entering personal or financial information. Use anti-virus software on your PC or laptop and keep it updated Add a firewall to your computer especially if you use broadband service Have more questions about identity theft? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 26 Love and Money Can Go Together Money has always found its way to the top of the list of disagreements between couples. Because two people may have entirely different styles of financial management, the vows to have and to hold, for better or for worse, for richer or for poorer, may not hold up when money is co-mingled. But there are steps you can take to ensure that you both live happily, and financially, ever after: Communicate expectations and set financial goals Ask important questions like which is more important, owning a home as soon as possible or taking vacations each year? Sit down and open up your checkbooks, tax returns, billing statements and brokerage accounts to discuss what you have, what your goals are, and how youll manage your money from month to month. Plan a budget and stick to it Budget not only for the big items like a new car or home, but also for the smaller ones like holiday and birthday presents. Establish an emergency fund Have at least three months worth of living expenses for emergencies. Plan for retirement Maximize your retirement savings. If disagreements persist, keep separate accounts Keeping some money separate eliminates the need to ask permission! Take turns paying the bills By doing this, youll both know where the money goes. Need to find out more? As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 27 Surviving a Layoff A layoff or job change can be a challenging and stressful situation for you and your family. However, you can achieve a successful new direction with careful financial planning, useful tools and a positive approach. Take a look at your overall situation Review your budget and see where you stand financially. In its most basic form, the budget includes income, expenses, and debts. List sources of income This is the starting point of your budget review. In times of reduced income, you have to be creative and look at sources of income that you might not have considered in the past like unemployment compensation, savings, severance pay, family members and tax refunds. Review expenses A great deal of savings can be found on the expense side of your budget. Write down every penny that you spend. Prioritize your expenses from the most important to the least and start cutting now! Evaluate and reduce your debt List all of your debts - both secured and unsecured. Mortgages or other secured loans should take first priority. Determine if you can refinance or consolidate your debt to reduce monthly expenditures. Also try contacting your creditors to make payment arrangements. Be diligent, persistent and organized Think positive and make your finances a priority. As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 28 Do Your Homework before Heading to College We all know how expensive college is. Are there ways to reduce the cost of a college education? Here are some ideas: Attend a community college for two years. Choose an in-state school instead of an out-of-state school. Live at home during college. Get involved in the AmeriCorps program. A student can earn education awards in exchange for national service. Explore the many military options that are available. Become a Resident Assistant to pay the cost of room and board for each academic year that youre hired into that position. Evaluate the cost of living on campus versus living off campus. Decide whether you will go to school full time or part time. Explore all options with your family and work together to create an enjoyable experience. As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 29 Seven Steps to a Successful Budget Budgeting can be a simple and straightforward process. Here are seven steps to help you create a successful budget. Discuss Values Determine what is most important to the people involved in your budget, or spending plan. Set Goals Begin setting goals by discussing with family members what each one may want to do with their money. An example of a goal might be to save for a childs education. Determine Income Figure out your net pay, or the money that is left over after deductions. Determine Expenses What are the expenses in your budget? Consider fixed, variable and periodic expenses. Create a Plan Design a spending plan so that your income will allow you and your family to have what you want and need. Keep Track of Expenses Keep a record of expenses to see where your money is being spent. Evaluate Your Plan Periodically evaluate your spending plan. Is the plan still helping you meet your needs and achieve your goals? Remember that budgeting is the cornerstone of your familys financial plan and a guide to help you achieve your goals. As a member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 30 (SIDEBAR IF BUDGETSMART IS AVAILABLE TO MEMBERS)  EMBED MSPhotoEd.3  BudgetSmart is an easy-to-use software program designed to help you manage your money more effectively. Go to (credit union website address) to download a free version of BudgetSmart. 31 The Cost of Cars Borrow Smart When you buy or lease a car, you pick the make, model and color. How much you put down and how long you take to pay off the car have a big influence on what the car actually costs. When buying a car, most consumers will make a down payment and then finance the balance by making monthly payments until the remainder of the loan is paid in full. Interest will be charged on your loan so its wise to put down the highest payment you can afford. Lets take a $15,000 car. You put 20% or $3,000 down, so the remaining cost is $12,000. If you get a 6% interest rate, and you pay the car off in three years, youll pay $365 a month with total payments of $13,140. With $3,000 down, your $15,000 car cost you $16,140. If you increase the time to four years, the monthly payment drops to $282, but youre paying a total of $16,536 for the car. The longer you take to pay off the balance, the more the car will end up costing. If you decide to lease a car, you negotiate a price with the dealer and then agree to make regular payments to a leasing company over a specific amount of time. While buying a car makes you the owner, leasing is a way of obtaining a car for a set period of time without owning it. Your monthly payments will be significantly lower if you lease a car. Have a question about buying a car? Call an Accel counselor Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 32 Cosigning is Serious Business Cosigning a loan for someone else may be one of the toughest decisions youll make in your financial life. A cosigner agrees to be a second party to a debt by guaranteeing that it will be paid. If the signer doesnt pay the debt, the cosigner becomes responsible for it. You may need a cosigner if you are establishing credit for the first time or re-establishing credit for some reason. There are times when cosigning is a good thing to do, but there are some important considerations. You might consider cosigning for a child to buy a car to help the child establish credit. It may be a good way to teach fiscal responsibility and you might decide that its an acceptable risk. You may have a family member or friend who is trying to re-establish credit. Much of your decision has to do with the comfort level you have with the person youre helping out. Consider how the person you are signing for will pay for the debt. If the signer doesnt make the payments, you will be stuck with making the payments. Be sure to determine the possible negative implications to yourself when deciding to cosign. Even though you know a person very well and everything look bright, situations change and everyone at some point is faced with challenges. You might be caught up in someone elses challenges that you had no control over. Think about what happens to your credit after cosigning. If you dont have the capacity to make the loan payments yourself, and the signer misses payments, your credit will be negatively affected. As a valued member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. Simply call 1-877-33ACCEL (332-2235) or visit them on the web at  HYPERLINK "http://www.accelservices.org" www.accelservices.org 33 Is Refinancing Right For You? When you are considering refinancing, the first question to ask is why am I doing this? Lower Interest Rates In the best scenario, refinancing your current mortgage with a lower interest rate mortgage loan can lead to a lower monthly mortgage payment and increased cash flow. You can use the extra cash to pay down debt or save more. Transform Equity into Cash Two of the most common uses for taking cash-out when you refinance is to do home improvements or to pay off debt. Home improvements can be a good investment in your house because they can increase the market value of your house if you are considering selling the house. If youre not selling, the improvements add quality to your life. If you are paying off unsecured debt like credit cards with cash-out from a refinance, be aware of your spending behavior before making the move. If you think that you will accumulate more debt on the credit cards, you might consider a different option. Add Security to the Mortgage Peace of Mind The type of mortgage you have and the type you are getting may make a difference too. You might choose to refinance even if you arent going to save money on your monthly mortgage payment. Perhaps you have an adjustable rate mortgage and you would feel more secure with a fixed rate mortgage. If you are considering refinancing, discuss your circumstances with a trusted financial counselor. As a valued member of (Credit Union), you can take advantage of the Accel program, a free financial education and counseling program. 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