Gulf Winds Federal Credit Union Blog

What you Need to Know Before Applying for a Home Equity Loan

Home equity loans and home equity line of credit are two common ways that people get cash out of their homes for various needs. If you have equity in your home and expensive needs like home improvements, learn more about these two activities and how they can benefit you.

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The Investment Landscape: Adapt or Get Left Behind

Over the next several decades, countries and regions around the world will experience differing levels of economic growth and investment opportunity, both of which are greatly affected by changing global demographics.

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Should You Be Helping Your Adult Children Financially?

The current generation of young people, often referred to as Millennials, entered their adult lives during one of the worst recessions of modern US history. Scant employment opportunities, crippling student loans, rising inflation, and a whole host of social problems were plopped square into their laps during the prime of their lives.

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The Advantages of Transferring Your Credit Card Balance

Many of us begin with “starter” credit cards (read: credit cards with unfavorable interest rates) when we want to build credit as young adults. However, as we establish our credit history and build up our savings, lenders become more open to giving us credit cards that offer competitive rates and other perks like rewards for spending.

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Embracing Financial Technology

From an outsider’s perspective, it may seem like the financial industry is one that seldom changes. Principles and policies are etched in stone, as far as you’re concerned, and imagining the financial world blowing with the wind is unthinkable. While this may be true for many aspects of the industry, financial technology has taken leaps and bounds in the name of progress.

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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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