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It’s a Good Idea to Check your Credit Report Regularly

When was the last time you saw a copy of your credit report? If it’s been more than two years, then it’s probably time to take another look.

It's important that you understand the information in your credit report, regardless of your financial situation. This information directly impacts your ability to obtain a credit card, buy a car or home, rent an apartment, or even get a new job. Two of the best reasons for reviewing your credit report today are to make sure your credit report is accurate and protect yourself from fraud or identity theft.

If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Companies that gather and sell this information are called Consumer Reporting Agencies, more commonly known as credit bureaus. The information credit bureaus sell about you to creditors, employers, insurers, and other businesses are called consumer reports or credit reports. The three major consumer-reporting agencies in the United States are Equifax, Experian, and Trans Union.

You now have a quick and easy way to get a copy of your credit report through GreenPath Financial Wellness, (Organization’s) financial education and counseling partner. GreenPath will provide you a copy of your credit report for a nominal fee. And once you receive the credit report, a GreenPath counselor is available to review the report with you. They will help you understand how to read the report, show you how to dispute inaccurate information, and discuss credit scoring.

As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a no-cost financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.


Android PayTM, Samsung Pay, and Apple PayTM

They're all here! Now you can pay confidently on-the-go and get the great features and benefits of both your Marine FCU Visa© debit and credit cards, right on your device.

How to set up:

Samsung Pay
1. Make sure your compatible Samsung device is updated with Samsung Pay.
2. Take a picture of your Marine FCU Visa card with your device’s camera.
3. Secure it with your fingerprint and backup PIN and you’ll be ready to go.

Android Pay
1. Download the Android Pay App.
2. Take a picture of your Marine FCU Visa card with your device’s camera.
3. Pay confidently at over a million locations in the U.S.

Apple Pay
1. Go to Wallet and tap Add Credit or Debit Card.
2. Follow the steps to add a new card. If you're asked to add the card that you use with iTunes, just enter its security code.
3. Tap Next. Marine FCU will verify your information and decide if you can add your card to Apple Pay. If Marine FCU needs more information to verify your card, we'll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
4. After Marine FCU verifies your card, tap Next. Then start using Apple Pay.


Dr. Gina Francis
Associate Director
Marine FCU Board

Dr. Gina Francis is the owner and president of Bayshore Animal Hospital, PLLC.

Dr. Francis was born in Bethesda, Maryland. She is the product of the Camp Lejeune Dependent, Onslow County Public and local Catholic schools, graduating from Jacksonville High School.

Prior to veterinary medicine, Dr. Francis was a reporter and medical writer. She received her B.A. in print journalism from Howard University. During her 11-year journalism career, Dr. Francis wrote for the Wilmington Journal, Wilmington Star News, Raleigh News & Observer and the Jackson Advocate. She is the recipient of two North Carolina Press Association Awards, a New York Times Publisher’s Award and a Unity in Media Award from Lincoln University, among others. The awards were given for two series Dr. Francis wrote on de facto segregation in Wilmington, North Carolina and a 15-year follow-up series on the Wilmington 10 case. She also received a Star News Award for a story she wrote exploring the link between Navassa, North Carolina and an uninhabited island in the Caribbean of Navassa.

In Wilmington, Dr. Francis was a mentor with the Big Buddy Program and served as an organizer with the Martin Luther King, Jr. and Community Kwanzaa celebrations. As a volunteer with the United Negro College Fund (UNCF), she produced two UNCF telethons for WECT-TV6 in Wilmington. Dr. Francis was a member of St. Luke A.M.E. Zion Church and two-time nominee of the YWCA Women in Achievement Award.

In Jackson, Mississippi, Dr. Francis was employed as a medical writer at the University of Mississippi Medical Center where she covered medicine, dentistry, allied health, and nursing. Dr. Francis is a graduate of the Tuskegee University School of Veterinary Medicine. She has practiced veterinary medicine in Michigan and North Carolina. Dr. Francis is a former civilian veterinary medical officer with the U. S. Army serving at the Camp Lejeune Veterinary Treatment Facility. She was also a relief veterinarian serving Southeastern North Carolina.

Dr. Francis is a member of the American Veterinary Medical Association and the North Carolina Veterinary Medical Association. She frequently speaks to youth and participates in career mentoring programs. In 2008, Dr. Francis volunteered with a tutorial program co-sponsored by the Jacksonville Alumnae Chapter of Delta Sigma Theta Sorority, Inc. in conjunction with the Montford Point Marine Association (MPMA). Dr. Francis is a life member of the Camp Lejeune Chapter 10 MPMA Auxiliary and served as its president from 2013-15. She currently is the public relations officer for the National MPMA Auxiliary and serves as the family coordinator for the National Montford Point Marine Memorial. Dr. Francis is a past affiliate of the New River Foundation and is a member of Friends Hammocks Beach and the Jacksonville South Rotary Club.

In 2014, Dr. Francis opened Bayshore Animal Hospital in downtown Jacksonville. She is the first African-American veterinarian to practice in the city. A member of the Jacksonville-Onslow Chamber of Commerce, Dr. Francis was named the 2014 Minority Entrepreneur of the Year by the chamber and serves on its military affairs and minority business committees. She was also named the 2016 First Citizens’ Small Business Person of the Year by the chamber. Further, in 2009, Dr. Francis was named an Intriguing African-American Woman by the NorthEast Community Development Corp.

Dr. Francis is a Silver Star* member of Alpha Kappa Alpha Sorority, Inc. serving as a past public relations director and graduate advisor. Last fall, Dr. Francis was appointed as the veterinary representative on the Onslow County Consolidated Human Services Board, serves on the board of directors for the National Montford Point Marine Museum, and is an associate director of Marine FCU.

The daughter of the late Glenn White, a Montford Point Marine, and the late Annie White, she is married to Demetric Francis. Dr. Francis resides in Jacksonville and Swansboro, and attends McCutcheon Memorial Chapel.

* Silver Star – an Alpha Kappa Alpha member serving the sorority 25 – 49 years.


Lois Geary Dupuis, CTC
Director
Marine FCU Board

Lois grew up in Onslow County, North Carolina. A Jacksonville High School Alumni, she graduated from The American Business and Fashion Institute in Charlotte. After working in the retail clothing industry for several years, she returned to Jacksonville and started working in the travel industry, eventually buying the Flying Dutchman Travel Agency. She has been the sole proprietor for over 25 years.

Lois has been involved in her community as a member of the Chamber of Commerce, chaired the Jacksonville-Onslow Sports Commission and the Small Business Committee, and served on the BOLD downtown redevelopment board. She has been recognized as the Jacksonville Onslow Chamber of Commerce 2000 Small Business Person of the Year. Lois started serving on the Marine FCU supervisory committee in 2007 and in May of 2016, she was elected to the Board of Directors.

Lois has attended Trinity United Methodist Church since 1969 and served a several committees and projects.

Lois is the daughter of Betty Geary and the late MSGT Richard Geary, USMC. She is married Bob Dupuis … a former Marine pilot ... and they have a grown daughter, Bobbie of Raleigh.


 Board of Elections Nominations

The Nominating Committee has proposed Marty Goldman, Chuck Collins, and Ken Reddic for three-year terms to the Board of Directors. Article V, Section I of the by-laws provides that nominations for vacancies may also be made by petition signed by at least 500 members. They must include their names and addresses. Nominations shall be accompanied by a certificate from the nominee(s) stating his/her agreement to the nomination and a willingness to serve if elected.

Such nominations, by petition, shall be filed with the Secretary of the Credit Union at Marine FCU’s Corporate Headquarters at 4180 Western Boulevard in Jacksonville, North Carolina, no later than March 23, 2017. Article V, Section II of the by-laws provides that no nominations will be made from the floor unless sufficient nominations have not been made by the Nominating Committee or by petition.

Election of Board Members will be held at the Annual Meeting at Jacksonville Commons in Jacksonville, North Carolina on Thursday, May 11. Results will also be announced.


Ten Rules for Successful Money Management

Always remember that the most important factor in using money wisely is not how much money you make, but how you manage your spending! Here are ten rules that can help you achieve financial success.

1. Arrange a family system for handling money and make certain that everyone in the family is involved and understands it.

2. Make a spending plan suited to your own income and needs. Don’t try to follow others – a spending plan is a personal system to help you and your family.

3. Decide on your family’s most important goals. Spend your money on things that will care for your family’s welfare and happiness. Take a minute to decide how important it really is to you and your family, before you make the final purchase.

4. Plan ahead for the entire year. A financial picture of your entire year will be a great guide and can help to meet your family’s financial goals.

5. Include all of your income and expenses. It’s usually easy for families to determine their income, but getting a grasp on expenses can be more challenging. Keeping receipts will help you track what you spend more accurately.

6. Use credit wisely. Don’t spend more on credit than you can afford to pay on a monthly basis. Responsible use of credit cards will help you establish a solid credit rating and avoid financial problems.

7. Pay yourself first by trying to save 10% of your income. If you can’t afford 10%, start with a smaller amount. Treat savings as a monthly bill

8. Stick to your plan, but don’t be afraid to alter your program if you think it needs improvement. Never give up! Be determined and succeed.

9. Review your plan once a month.

10. Hold family meetings to review the progress together.

Need help getting started? As a member of Marine FCU you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.


Servicemembers’ Civil Relief Act

If you are a service member on active duty, you are under the umbrella of protection provided by the Servicemembers’ Civil Relief Act of 2003 from the day you take the oath to the day you leave military service. It is one of the most comprehensive and enduring packages of protection Congress has ever enacted on service members’ behalf.

The Act covers any member of the Uniformed Services serving on active duty. This includes Guard and reserve component personnel called to active duty. In addition, the Act also covers Coast Guard personnel, and officers of the Public Health Service and the National Oceanic and Atmospheric Administration.

The Servicemembers’ Relief Act provides protections against undue burdens placed on service members. The Act can help service members with credit card and mortgage interest rates and civil litigation such as repossession of property, bankruptcy, foreclosure, or other such actions. Many of the provisions in the Act provide protection for the service member without any action needed by the service member. These provisions have been around for so long they are embedded in the way the federal and state governments and the courts deal with the special status of military personnel.

Some of the protections include:
  • Protection against paying taxes in both your home state and the state in which you are stationed.
  • Exemption from personal property taxes if you’re stationed in a state that is not your domicile, such as an annual property tax on the value of your automobile. (Taxes on real estate are not included in this exemption.)
  • The ability to have civil court cases delayed if you are unable to assert your rights under the laws because of military responsibilities.

There are some provisions that require the service member to take special action to receive a specific protection. For example, the ability to have credit card and mortgage interest rates lowered to a fixed rate of six percent requires the service member to show “material affect.” The term “material affect” refers to how military service impacts people’s lives and their ability to meet their obligations. To receive the interest rate protection, the service member entering active duty must show that their military income is less than their pre-service income, which then affects their ability to meet financial obligations. This protection is usually used by reserve component service personnel called to active duty for long deployments.

To obtain the interest rate reduction, the service member should notify their credit card companies or mortgage lenders in writing of their intent to invoke the six percent interest cap. Notification must include proof of mobilization/activation to active-duty status, as well as documentation of reduced income, such as a leave and earnings statement. Interest rate reductions are not permanent. Service members are required to notify their creditors and/or lenders once their active duty service has ended. The interest rates held prior to deployment would then be reinstated. Service members cannot receive reduced interest on student loans.

Service members also have protections in civil proceedings under the “material affect” clause. Service members who are stationed overseas or who are on an extended deployment and who are involved in civil litigation are most often the ones who invoke this protection. If the service member can show that because of their military responsibilities that they cannot be properly represented in court for civil litigation, they can request a delay in the case until proper representation is possible.

Service members who encounter personal legal problems, and who believe they may qualify for protection under the Servicemembers’ Civil Relief Act of 2003, should contact their unit or installation legal assistance office.

Need to find out more? As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com


 

Travel Tips

As you go over the river and through the woods to Grandma’s house this holiday season, we recommend that you have several ways to pay along the way, such as a credit card and a debit card.
 
  • Don’t carry your cards together. Place one in your wallet or purse and the other in your carry on or suitcase.
  • Copy the front and back of all your important cards (credit, debit, driver’s license, passport, insurance, etc.).
  • Leave the information with someone you trust so that if you lose your cards or if they are stolen, it’s easier to get replacements.
  • Only use ATMs in well-light areas. Check for skimming devices [devices attached over the keypad area that capture your magnetic strip information and Personal Identification Number (PIN)].
  • Memorize your PINs, but don’t write them down.
  • Use your chip enabled cards where available.
  • Carry cash in case your card is compromised.

Having backup on your finances will help reduce the stress that traveling brings during the holiday season!

Introducing A New Service ... Jet Cash

We've created a new service with you in mind ... Jet Cash ... cash withdrawals on-the-go! If you would like to make a pre-scheduled withdrawal from your account, simply fill out this quick form and check your email for verification.

Then swing by the reception desk at our Corporate Headquarters, at 4180 Western Boulevard, to pick up your cash that's waiting for you. Try it out today! Jet Cash will be coming soon to our other branch locations.

Photo ID required for pick-up. Available to existing account holders only. Service not available for Power of Attorney, Trusts, Business or Organizations.


 

College Bound Financial Workshop

In case you missed it, view our College Bound Financial Workshop broadcasted via Facebook Live. You will learn what it takes to be financially fit before, during, and after college.

View the workbook here.


Do Your Homework Before Heading To College

We all know how expensive college is. Are there ways to reduce the cost of a college education?

There are many choices that impact college costs and when you do your research and communicate as a family, you will make wise and informed decisions. Explore the options that are available to you that can lead to significant savings in college costs.

Here are some ideas:

1. Attend a community college for two years.

2. Choose an in-state school instead of an out-of-state school.

3. Live at home during college. A large amount of money can be saved on room and board when you live at home during the college years.

4. Get involved in the AmeriCorps program. A student can earn education awards in exchange for national service. There are also some loan forgiveness programs in fields such as teaching, medical service and some police and firefighting fields.

5. Explore the many military options that are available.

6. Become a Resident Assistant to pay the cost of room and board for each academic year that you’re hired into that position. If you want to live on campus, you can become involved with leadership activities on campus, be a model citizen in the resident hall and obtain financial reward at the same time.

7. Evaluate the cost of living on campus versus living off campus.

8. Decide whether you will go to school full time or part time.

Explore all options with your family and work together to create an enjoyable experience.

As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a no-cost financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com

A Salute To The USMC

By Robert “Bob” Dickerson (MajGen USMC Retired), Executive Vice President

The United States Marine Corps, as an institution, is rich in traditional strengths and the indefinable spirit of being different that forms the character of the Corps. Today’s United States Marine Corps offers three promises: to make Marines, to win the nation’s battles, and to develop quality citizens.

Since 1959, Marine FCU has been proud to meet and fulfill the financial needs of Marines, while helping members reach their financial goals. Like the United States Marine Corps, Marine FCU will continue to provide the best member support while striving to be the primary financial institution of choice for Marines and their families worldwide.

As Marines around the globe take pause to celebrate the 241th birthday of the United States Marine Corps, Marine FCU would like to salute all retired, active duty, and reserve Marines for keeping us safe while also recognizing the sacrifices Marine families make keeping the home fires burning.

Happy Birthday Marines!

 

Planning for the Holidays

The holidays always seem to be just around the corner. It won't be long before families are exchanging presents. Holidays and gifts can take a big bite out of your budget so planning ahead will help keep your budget under control.

It is important not to get caught up in the last minute emotion of the season and spend more than you planned. Holiday overspending ruins many festive occasions and can result in long repayment schedules.

Don't have a holiday credit hangover! Remember, credit obligations (excluding home mortgages and utilities) should not exceed 15-20 percent of your take-home pay each month.

The following are suggestions to help relieve holiday stress:

• Shop early for gifts. This allows you to take advantage of sales, specials and bargains. Don't over buy or forget you have already shopped for someone.
• Make your own gifts. Use skills you have to sew, bake, paint or make crafts.
• Don't be a "One gift for you...one gift for me" shopper! And don't be tempted to give your gifts early lest you buy more!
• Use layaway plans if possible. Most allow you to pay at a rate you can afford either weekly or monthly.
• If you have a large family, consider drawing names to exchange gifts.
• Shop your local craft fairs and shows for specialty items - you'll find some great ideas. Sometimes you can bargain with the vendor.
• Family members would appreciate an IOU to mow the loan or wash the car in the spring.
• If you plan to fill stockings or bags for the children, try putting a few pieces of fruit (apples & oranges) in the bottom first. Also, coloring books and scratch pads make great inexpensive fillers.
• Know your merchants' return policies before buying. Don't forget to plan ahead for expenses such as holiday decorations, special candies, baking supplies (especially if baking for gifts), increased utility bills, food consumption and wrapping paper. These expenses are rarely considered and can really add up fast.

Shopping Safety

Keep your eye out for theft and fraud at this time of year. Follow these simple rules. 18

• Keep a list of all credit and charge card account numbers, with company phone numbers, in a safe place, not with you.
• After a purchase, destroy all credit card slips carbons (or incorrect receipts you have corrected).
• Never sign a blank receipt. • Keep your charge/credit card in view at all times when using it for a purchase.
• Always notify the creditor immediately if there is an error on your billing statement.
• Know the mail order company before ordering and giving your credit card number over the telephone.

Need help with a holiday budget? As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.

Lifelong Money Management Tips

It’s never too late to get your financial records organized. Here are some tips to help you sort through all the records.

Keep a home file to maximize the efficiency of your financial records. Items should include:
 
  • Information on credit cards, debit cards, checking accounts, savings accounts, and copies of contracts
  • Copies of insurance policies
  • Information on home mortgages, land, and other property
  • Information on motor vehicles and driver’s licenses
  • Copies of birth, marriage, death, divorce, and citizenship papers
  • Copy of will, last instructions, and safe deposit box keys
  • Tax records for the last six years
  • Records of pension plans, education, health records, and employment
  • Current household inventory. List everything you own, how much it costs, and approximately how old it is. Add pictures of room/major items and keep receipts
  • Copies of all warranties and guarantees
     
Keep a safe deposit box for financial records that are difficult, costly, or impossible to replace. Items should include:
 
  • Birth, death, marriage, divorce, adoption, and citizenship papers
  • Deeds to property
  • Titles to motor vehicles
  • Stock and bond certificates
  • U.S. savings bonds
  • Important contracts
  • Military discharge and veteran papers
  •  Patents and copyrights
  • Important disks or share certificates
  • Negatives or the actual pictures of your home inventory


As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.


Love and Money Can Go Together

Money has always found its way to the top of the list of disagreements between couples. Because two people may have entirely different styles of financial management, the vows to have and to hold, for better or for worse, for richer or for poorer, may not hold up when money is co-mingled. But there are steps you can take to ensure that you both live happily, and financially, ever after:

Communicate expectations and set financial goals
Few couples really talk about money before the wedding. Ask important questions like which is more important, owning a home as soon as possible or taking vacations each year? Couples need to sit down and open up their checkbooks, tax returns, billing statements and brokerage accounts to discuss what they have, what their financial goals are, and how they’ll manage their money from month to month.

Plan a budget – and stick to it
Budget not only for the big items like a new car or home, but also for the smaller ones like holiday and birthday presents. It’s important to keep track of all your expenses, especially because these may be new to both of you. Create a system to pay the bills like signing up for on-line bill payment.

Establish an emergency fund
Experts recommend at least three months’ worth of living expenses should be saved for emergencies like a major home repair or temporary loss of work. Plan for retirement Do you both want children? The baby’s birth is a good time to start saving for education, but until then, couples should maximize their retirement savings.

If disagreements persist, keep separate accounts
For some couples, four accounts may work best: a joint savings account for emergencies and investments; a joint checking account into which each spouse pays according to his or her income; and individual accounts to cover personal expenses. Keeping some money separate eliminates the need to ask permission!

Take turns paying the bills
By doing this, you’ll both know where the money goes. One may be more organized than the other so if you agree that one partner is the bookkeeper, review the bills together every month.
Need to find out more? As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a no cost  financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.

 


 

Natural Disaster Preparedness

You don’t have any control over natural disasters, but you do have control over being prepared. Here are a few things to keep in mind:

1. Cash on hand. No power = no card swiping at businesses or ATMs
2. Water
3. Batteries
4. Canned goods
5. Vehicles with full tanks of gas
6. Knowing where your personal and financial records are (i.e. insurance papers, DD214, birth certificates, etc.)
7. Online bill pay to ensure your bills continue to get paid

This list works whether we’re facing a natural disaster or not.

There’s a variety of trusted sources to keep you informed of a disaster and that offer more in-depth information on being prepared. Google is a wonderful tool.

If Marine FCU has delayed openings or has to close down operations, you can check our web site for updates or opt into receiving text messages and emails for these types of notifications. Click here to learn more.

Don’t Get Hooked by Phishing

Identity theft is one of the fastest growing crimes in the United States. One of the sinister techniques that thieves use to steal your identity is called phishing.

Phishing is a practice that online fraudsters use to “fish” for confidential passwords and financial data from the “sea” of Internet users using email. Phishing has two major components:

• Spoofing occurs when thieves create a near exact replica of an existing website
• Spamming occurs when you receive unsolicited email also known as junk email. A typical email will tell you that you need to update your account information for a Organization account. The email contains a link that when “clicked” will take you to the spoofed web site where you are asked for some personal and financial information. Once you enter in this information, the identity thief has access to it.

Phishing occurs when identity thieves use spoofing and spamming to lure you into providing personal and financial information on the Internet.

WHAT YOU CAN DO:

  • Delete unknown email messages and don’t download attachments or click on links included in the email
  • Don’t send personal or financial information via email
  • Make sure that you are on a secure, encrypted website before entering personal or financial information. A secure site is usually designated by the URL beginning with “https” where the “s” stands for secure. Also, look for the closed padlock at the bottom of the screen, which indicates secure.
  • Use anti-virus software on your PC or laptop and keep it updated
  • Add a firewall to your computer especially if you use broadband service


As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com


In Case You Missed It

Marine FCU broadcasted our first Facebook Live Stream, Power Pay Your Way Out of Debt, on Thursday, September 15. Members learned how to save thousands in interest, develop a spending plan, avoid accumulating debt, and much more. If you were not able to attend the live session, you can view the entire workshop below on our Facebook Page. Access a copy of the powerpoint here.


Job Hunting in Today’s Economy

If you’re one of the many Americans who are unemployed, it can be intimidating to start looking for a new job. While it might end up being a long and frustrating process, it’s important to focus on your future and get started. The following tips can help you throughout your job hunt.

Get Serious: Make your job search a full-time endeavor. Put yourself on a schedule and create achievable goals, such as sending out one resume per day. Search online at websites such as www.careerbuilder.com and www.monster.com as well as in your community.

Update Your Resume: Rather than sending a generic resume to every human resources manager who posts an available position online, customize your resume for the job that you’re applying for. List your relevant experience and skills, and of course use proper grammar and spelling. Have a friend or family member that you trust review your resume for errors.

Network and Get Involved: Join a professional club or association to meet key contacts in your desired field. Talk to your friends and family members about your job search and make sure they keep you in mind when they hear of an open position.

Expand Your Search: Research and apply for positions that you may not have considered in the past. A part-time or entry-level job at a company that you love could eventually turn into something more.

Go Back to School: Additional training can enhance your marketability to a greater number of companies and could make you a candidate for jobs that pay more. If you’re currently employed but looking for a new job, retraining can help you increase your pay, retain your job, prepare for a better job, or upgrade your skills for a new economy. If you're planning a return to school, consider your goals carefully and make certain to re-work your budget accordingly.

Stay Positive: It’s easy to fall into negative thinking and tell yourself that in a tough economy, it will be impossible to find a good job. That’s not the case. Be persistent and keep a positive attitude to stay motivated to keep up the search.

If you’re dealing with a reduction in income or have started a new job, it’s a great time to reevaluate your budget. A GreenPath counselor can help. As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.


Back-to-School Savings for Your Household Budget

Students aren’t the only ones who’ll need to pull out the pens, paper, and calculators for the back-to-school season. Parents who want to keep back-to-school spending under control should consider doing the same.

Backpacks, paper, books, pens, pencils, calculators, computers, clothes and shoes are basic necessities that can add up quickly and become significant expenses for any household. Developing and sticking to a solid spending plan is the key to avoiding overspending. If you are in charge of back-to-school shopping, here are tips to help keep your budget on track:

Develop a back-to-school budget
Take time to develop a monthly budget if you don’t already have one in place. Review your income and regular expenses, and determine your back-to-school spending goal based on what you can afford.

Take an inventory of school necessities
If you missed spring-cleaning, this is a good time to pull out your child’s clothing, shoes and supplies for an inventory of what’s still useable. Have the kids try on clothes and shoes to see if they still fit. Consider donating clothes that no longer fit to Goodwill or the Salvation Army. Be sure to get a receipt, since the items could be applied to your personal income taxes as charitable contributions. Another option is to sell the old clothing to a store that specializes in reselling used clothing. Use the money to buy clothes for the new season.

Create a comprehensive shopping list
Now that you’ve taken inventory, create a shopping list of your child’s needs. The list should include additional clothing, school, athletic, and scout uniforms, yearbooks, eyeglasses, classroom supplies, and musical instruments. Write down your children’s sizes and special colors needed for items like uniforms. Carry your shopping list to keep you on track.

Involve children in decision-making
Tell children what the spending goal is and how they can help meet the goal by choosing perhaps two outfits, instead of three. Help them understand how recycling clothes, lunch boxes, book bags, and notebook binders is not only good for the environment, but also good for the household budget.

Shop for the best prices
Get the best value for your dollar by checking for coupons and sales. Listen for TV and radio commercials and check your local Sunday newspaper for back-to-school and clearance sales.

Check for sales tax holidays
Check with your local government officials to see if a tax-free back-to-school shopping holiday is authorized in your area. A number of states have designated days that coincide with back-to-school shopping. The holiday offers local residents a chance to purchase clothing and school supplies tax-free! Some sales tax holidays even include computers. It can be an immediate savings for your back-to-school budget.

Limit expensive brands
You can save money on clothes and selected school supplies by purchasing generic or lesser-known brands. Always be sure the lesser-known brands are durable and quality products.

Use credit wisely Pay with cash if possible.
Try layaway if you need time to save up for purchases. If you have to use credit, limit purchases to items you can pay off in 90 days. If you have more than one credit card, use the card with the lowest interest rate to minimize the amount you’ll have to pay back. Remember, using a credit card is like taking out a short-term loan.

If you would like to discuss your back-to-school budget with someone, you can take advantage of the GreenPath Financial Wellness program, a no cost financial education and counseling program of Marine FCU. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.


Important Change In Terms - Effective October 1, 2016

MarChek Checking will change to InControl Checking. There will be a monthly maintenance fee of $5.95 without credits. Earn a monthly $3 credit for eStatements and earn a $.25 credit for each debit card transaction, not at an ATM, that posts and clears during the qualification cycle (from the last day of the previous month to the next-to-last-day of the current month). Total monthly credits not to exceed $5.95.


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