Gulf Winds Federal Credit Union Blog

Making the Most out of Balance Transfers

When approaching the matter of debt consolidation, balance transfers can provide a tremendous savings. It’s important to remember that balance transfers are financial tools and must be utilized in such a way to get the most out of consolidating your debts. The terms of your balance transfer will depend on your credit history, but the success of the process relies heavily on your research, approach, and consistency.

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Comparing Traditional vs. Roth IRAs for Millennials

We get it. You’ve just graduated, you’re living the high life, and your plans for retirement are a priority right up there with that organic chemistry class that you’ll never have to sit through again. The urge to put off your retirement plans is understandable, but the sooner you start, the better off you’ll be, and we can’t stress that enough.

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Why CDs are Ideal for Securing Your Family’s Future

Certificates of Deposit, or CDs, may not be a trendy investment option these days, but that doesn’t make them any less valuable. Young investors looking to make big returns may scoff at the slow and steady interest that CDs offer, but it’s this very stability that makes them an ideal option for families.

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A Unique Approach To Building Credit

Whether it’s building up from no credit or very little credit history, raising your credit score can sometimes be a challenge. Saving money on pesky fees isn’t the only way that credit unions can help you with your finances. One of the benefits of turning to credit unions for financial services is that they can often be more forgiving of previous financial misjudgments and bad credit. However, in some scenarios, this may not be the case, and you may have to find an alternative to rebuilding your credit rating.

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Planning for the Future: HELOC vs. Home Equity Loans

Maybe you’re trying to consolidate debt, or perhaps you foresee a need for funds in the future. In terms of financial planning, especially in regard to home loans, one's circumstances and vision will often dictate the proper course of action.

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Unsecured Loans Versus Credit Cards: Which is Better?

It’s an age-old debate in the finance world: personal loans versus credit cards. Both may be good options to help address your financial needs, but the two have significant differences that must be taken into account as you consider your options.

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Save in 2016 by Cutting Expenses

One of the most common New Year’s resolutions is to save more money. Eating out less and spending less on entertainment are great ways to save, but choices that can save big bucks in the long run might not be obvious. They can even seem counter-intuitive in the short-term. Here are a few less obvious tips for New Year savings.

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12 Resolutions for 2016

Instead of hauling out those familiar New Year’s resolutions about eating less and exercising more, how about focusing on something that’s also very good for you in the long run- and even sooner? We’re talking about your financial plan – your fiscal health, if you will.

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2015 Year-End Tax Planning Basics

The window of opportunity for many tax-saving moves closes on December 31, so it's important to evaluate your tax situation now, while there's still time to affect your bottom line for the 2015 tax year.

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Santa Left More than Just Presents — How to Manage Holiday Debt

Managing holiday expenses can take all the glitter out of an otherwise golden Christmas. If your personal finances have been stretched beyond reason, don’t despair. Tighten your belt and rein in the reindeer; holiday debt just got easier to handle. Here are a few tips that will guide you to a debt free holiday season.

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Four Simple Fixes for a Better Credit Score

Credit scores can seem daunting or confusing. To some, they're fateful, seemingly arbitrary numbers that follow their owners everywhere and determine whether they're allowed to finance a new vehicle or rent the ideal apartment. If you’re worried that your number isn’t where it should be, take heart: Poor credit doesn’t have to last forever, and there are several easy steps you can take to improve your score.

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Small Business - The Value of Putting Customers First

If you own a small business, instead of focusing on making more cash, take on the outlook of credit unions and prioritize the needs of your customers.

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Three Tips for Winterizing a Home in the South

Although the south is famous for its mild climate, the occasional flurry certainly happens. As southerners aren’t generally expecting temperatures to dip too significantly, lack of preparation can lead to major problems. Low temperatures can sap your home of its efficiency–and your wallet of its contents. Make sure you prepare your home for the winter season with these tips.

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Three Tips for Sticking to a Holiday Budget

The holiday season can be stressful for those of us with tight budgets. We might feel obligated to spend lavishly to fulfill our many social obligations, but that isn’t doing our bank accounts any favors by doing so, and it can impede our attempts at reigning in our finances and sticking to a holiday budget. Here are a few tips that will help you get through another holiday without going into debt.

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Challenge Yourself To Save As Much As You Spend On Holidays

Consumers are getting savvier about saving during the holiday season. According to the Annual CFA-CUNA Holiday Spending Survey, 32 percent of us said we’d spend less in 2013 and then in 2014, 33 percent of us said the same thing. As that number increases, inevitably the ranks of those who said they would spend more has seen an equally notable decrease…but retailers are catching on to this trend.

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