Gulf Winds Federal Credit Union Blog

Decisions in Your 20’s and 30’s to Support Your Financial Future

As we know, financial independence doesn’t happen overnight. Debts take a long time to pay off, and investments don’t yield high returns until they’ve had time to mature. Because of this, the earlier you start to take control of your financial situation, the better off you’ll be.

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Local Summer Fun and Adventure

Planning out activities for your family to do this summer? Here’s a list of some events happening throughout the summer your family can enjoy! From music to museums, science and camping, there are a range of events out in the area your family can try and explore. While this is not a full list of events for your community, hopefully it will spark your interest to explore your own community for similar or new events.  Planning out activities for your family to do this summer? Here’s a list of some events happening throughout the summer your family can enjoy! From music to museums, science and camping, there are a range of events out in the area your family can try and explore. While this is not a full list of events for your community, hopefully it will spark your interest to explore your own community for similar or new events.

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How to Build a $1,000 Emergency Fund in 10 Months

Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that account. Experts recommend keeping at least three months expenses in a reliable, liquid account – though even an extra $1,000 can be a life-saver. But finding $1,000 to save isn’t always easy. That’s why we’ve put together this 4-step plan on how to save $1,000 in 10 months. 

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The State of Older Americans and Savings

With Americans, especially women, living longer – the reality is that we need to save more money for retirement or work longer.

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The Many Faces of Philanthropy

Largely thanks to the internet and social media, new trends in philanthropy have emerged as we share information faster and as part of a more widespread audience than ever before. There has never been a shortage of ways to give back, from volunteering to providing monetary support, but it’s interesting to see how these giving habits have evolved with each generation. Whatever generation you belong to, your financial advisor can offer guidance on giving strategies that are tax-conscious and make the most of your hard-earned dollars, while allowing you to exercise your generosity on behalf of causes that are meaningful to you.

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5 Easy Steps to Save for Big Ticket Items

Very few of us have money at the ready to cover an emergency, never mind the money for the larger purchases we’d like to make. This is why it’s that much more important to prioritize savings to cover both the items you need as well as those you want.

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To Roth or not to Roth? Seven Things to Consider Before Transferring Retirement Assets

When you leave a job, you have the opportunity to convert your employer-sponsored retirement account to a Roth IRA. The tax benefits are clear. Roth IRAs offer tax-free growth and tax-free withdrawals in retirement. And even if you made too much while working to contribute directly to a Roth, you can still take advantage of a conversion. Your tax and financial advisors can help you determine if a conversion benefits you. Let’s look at some factors that could affect your decision.

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Savings is an Option for Individuals with Disabilities

Often individuals with disabilities are not familiar with the savings options available to them, or they may be afraid to save money in fear of jeopardizing their public benefits. However, there are a wide variety of saving strategies that individuals with disabilities can potentially access to achieve their savings goals and improve their financial well-being.

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Why Holiday Savings Accounts Are Your Ticket to Financial Wellness

Most of us spend more during the holidays than we do the rest of the year. Budgeting is always a good idea, but it becomes particularly important when Black Friday, Cyber Monday, Christmas, and all the other spend-happy holidays roll around. 

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Q&A: Renter Nation Rising

Lifestyles are changing dramatically with the coming-of-age of the millennial generation, and homeownership is no longer perceived as fulfillment of the American Dream. Even if this generation were to decide that homeownership was preferable, most are unable to afford the ownership lifestyle of choice, resulting in a trend that we refer to as “Renter Nation Rising.” Affordability and socio-demographic shifts are both playing a huge role.

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Generosity Within Limits

One of the great things about wealth is getting to share it with those you care about, during your lifetime or after. Current tax laws enable you to do just that quite generously. As a quick reminder, here are a few ways you can make the most of your giving nature.

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Why a Credit Union is a Great Source for a Mortgage

Now is a great time to buy a house. Interest rates and housing prices are still temptingly low, and there are plenty of homes on the market to choose from. But where do you go for a mortgage on your new home? Increasingly, homeowners are turning to credit unions. 

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A Fresh Start: The Pros and Cons of Changing Careers

Business moves faster than it did in a few decades ago with ongoing changes in technology. The average worker today will only stay at his/her job for 4.4 years, and 91 percent of those born between 1977 and 1997 expect to stay with a business for less than three years.

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Five Facts You Should Know About Preparing for Retirement

Retirement is a milestone that many working professionals both look forward to and fear. Here are five tips that’ll help you prepare for retirement, no matter what stage you’re at.

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Clearing Out Your Personal Finance Clutter: A Keep and Toss Checklist

One of the most tedious aspects of personal finance is keeping track of paperwork. By law, you're obligated to hold on to certain financial documents in case the IRS decides to audit your taxes, but once you know which documents are essential and which are just clutter, you'll find that your paperwork is more manageable. Take a look at these two lists to know what you must keep and what you can toss.

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