Gulf Winds Federal Credit Union Blog

Tips for Maxing Out Your Retirement Account

Retirement is closer than most people allow themselves to think. And, while some are better at preparing for it than others, everyone who saves hopes to get the most out of the money put into their savings.

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High-Yield Checking Accounts Help You Save Money Each Month

Any long-term personal financial plans begin with one basic goal: to save, not lose, money each month. When your bottom line consistently improves over time, even if it's just by a few dollars, you make progress toward financial independence.

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Hacked! Now What?

At first you think the text from your credit card company is a mistake; then reality sets in. You may have been hacked. Your mind reels as you wonder what information the thieves were able to access and if your identity has been stolen. Sadly, this scenario is all too common. The Federal Trade Commission reports that 11.7 million people find themselves as victims of identity theft every year.

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Start Saving: Why CDs are Perfect for Kids

Financial management is a discipline that must be honed over time. Shrewd parents interested in giving their kids a leg up in this area should consider using Certificates of Deposit (CDs). Unlike riskier investment strategies, CDs may be the ideal option for helping children understand the basics of spending and saving.

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My Life, My Job, My Career: 5 Simple Tips to Help You Find Balance

Life moves fast. From personal time to job searching to career paths, before you know it you’ll be retired and wondering where the days went. Finding a balance between life, your current job, and your career goals is necessary for your health and mental well-being.

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Gold in the Garage: Turning Your Junk into Cash

You don’t need to pull long double shifts to make extra money. There are plenty of opportunities to augment your income out there, many of them right under your nose. If you’re like most Americans, you probably have plenty of stuff lying around your house that you don’t need. Selling these items is a great place to start.

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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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