Gulf Winds Federal Credit Union Blog

How to Raise Money-Savvy Kids

Raising financially literate kids isn’t just about teaching them the importance of working for money. It also requires them to understand how to properly manage their money so that they don’t wind up making unnecessary purchases, or credit and investment mistakes.

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Personal Finance Safety: What You Should Never Keep in Your Wallet

Anyone who has lost a wallet knows what a hassle it is to replace everything inside it. But beyond the hassle, it's downright dangerous to lose your wallet, or worse, to have it stolen. Your wallet may contain everything necessary for an identity thief to open an account in your name, get a loan, or profit from tax-return fraud. How can you protect yourself? Use smart personal finance sense and never keep the following items in your wallet.

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Are You Ready to Retire? Five Musts to Consider Before Retiring

Planning for retirement is an obligation as much as it is a privilege. On one hand, you’re looking forward to the freedom. On the other, life certainly doesn’t stop once you’re no longer working. Whether you’ve reached retirement age or are looking ahead, being ready to retire when the time comes takes planning. Have you considered the following five retirement musts?

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Three Smart Ways to Spend Your Tax Refund

The time is finally here, folks. It’s tax season. If you’re expecting to get money back when you file, you should begin planning ahead now for how you’ll spend your return.

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Twenty Financial Things Couples Should Know

It seems inconceivable, but more than 40% of couples recently unveiled that they don’t know how much their partner earns. And 1 in 10 couldn’t guess within a $25,000 margin of error. Think about that. These couples, who share their lives together, have no idea what their total household income is. Yet, the majority of those same couples claim they regularly have open conversations about their finances. There’s a disconnect somewhere.

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Buying Your First Home

An important step in life is often buying your first home. Not only is the investment one that helps frame your future, but signing on the dotted line as a first-time home buyer instills a sense of accomplishment. Here’s what you need to know before buying your first home.

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The Pros and Cons of Going Back to School

A common question facing workers in today’s tough economic climate is whether or not to head back to school. According to research, a mere 40 percent of Americans have completed an associate’s degree or above. However, college isn’t for everyone, and going back to school offers no guarantee of a better life. Keep these factors in mind before making your decision.

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Planning out Retirement as a Couple

Marriage is about tackling life together, and retirement is a big part of your life. You may be the type of couple that tends to do everything together, you may enjoy your personal space, or be somewhere in between. As wonderful of a period as the golden years can be, this major life transition can be a hurdle for many couples.

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Can Teens Find a Balance Between High School and Work?

Parenting is full of fun challenges. There’s no “right” way to go about it, but one things is for sure, we have to do what we can to set our kids up for success. And as our children grow into teens, preparing them for success means teaching them financial responsibility.

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How to Maximize Your Employer Matching 401k Plan

An employer matching 401k plan is the gift that keeps giving. What you put into your retirement fund may be matched by your employer. Unfortunately, many employees aren’t taking full advantage of their retirement savings plans. If you haven’t checked your 401k lately or checked your employer’s match, you may be missing out on free money. Here’s how you can maximize your employer matching 401(k) plan.

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Boost Your Brain Power

This New Year, when you think fit, think brain fitness. Vow to break from routine and focus on strengthening your body AND your mind. The idea of losing a step or two worries many of us, especially those who find themselves forgetting things more often than they like.

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Volunteering Can Be Good for Your Health

Staying active can be a great way to ease one’s mind and feel recharged. This is especially true if you’ve reached retirement age.

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IRAs for Millennials

Job hopping can be a necessary move for Millenials making their way up the corporate ladder. If you find yourself in search of greener pastures every few years, and you’ve yet to get your 401k off the ground, investing in an IRA is the smart move.

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How to Score the Best Deals When Shopping Online

Thanks to the Internet and the rise of online retailers, most of us can buy whatever we need while staying in the comfort of our own homes. Navigating these waters can be tricky, though, without the proper knowledge to back you up.

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Shopping Around for Better Health Insurance

Regardless of whether you already have health insurance and a health savings account, it can’t hurt to see if you qualify for a better policy.

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