QUARTERLY 2013 President s Message Quick Close Paperless from Start to Finish A Message from the Board Boost Your Financial Knowledge

Transcription

1 MOUNTAIN QUARTERLY IN THIS ISSUE President s Message Qick Close Paperless from Start to Finish A Message from the Board Boost Free Yor Financial Knowledge Bsiness Seminars

2 We want to help yo scceed in reaching yor financial dreams. These are jst a few of the tools we have to help, and we re happy to teach yo more abot how to effectively se the tools we offer. PRESIDENT S MESSAGE Montain America recently partnered with athor, speaker and financial expert Brian Nelson Ford. This partnership has enabled s to share Brian s 8 Pillars of Financial Greatness with all of or members. We encorage yo to take advantage of this excellent edcational resorce. In one of the first Pillars of Financial Greatness, Brian Ford discsses the importance of nderstanding yor finances, inclding bdgeting and both knowing and tracking yor net worth. We have several tools that can help yo do this. We want to help yo scceed in reaching yor financial dreams. These are jst a few of the tools we have to help, and we re happy to teach yo more abot how to effectively se the tools we offer. Reach ot to a branch or Service Center agent and schedle a training or phone call so we can help yo maximize yor money. p Sterling Nielsen, President/CEO n d e r s ta n d i n g y o r f i n a n c e s Take advantage of this edcational resorce. how to maximize yor money Bdgeting Tools If yo re looking for simple calclators to help yo figre ot how mch yo shold save and how simple changes cold impact the dration of a loan or yor payments, go to the 8 Pillars University. Remember, as a Montain America member, yo have free access to all of the content on the 8 Pillars University (go to for the link and promotion code). Once yo re ready to pt those bdgeting and savings ideas into practice, try ot My Money ManagerSM in yor Online Branch accont. My Money Manager can help yo track where yor money goes, plan a bdget and see how well yo re adhering to the plan. Net Worth Yor net worth is an important measrement becase it shows yo a tre pictre of how yo re doing financially. Each year, yo shold see that net worth grow. The 8 Pillars University has a calclation nder Pillar 2 that can help yo estimate yor crrent net worth and yor projected net worth over time. For the most complete pictre of yor net worth, we encorage yo to se My Money Manager as mentioned above. It gives yo access to yor Montain America acconts and also any accont at any financial instittion. Once yo link yor acconts, yo can begin to see yor fll financial pictre and plan, bdget and calclate accordingly.

3 As yo can see, Qick Close can help yo get in a new home with a process that is qick, convenient, simple and secre. To tilize Qick Close, simply apply for yor next mortgage on Montain America s website, or at yor nearest branch. p Bl vd N 70.( 0 h) ot S 0 Jordan Landing Center Park Drive Jordan Landing Bangerter Highway These candidates have a variety of experience and expertise that will contine to enhance the crrent Board and provide the balance necessary to achieve the goals of Montain America into the ftre. The Board looks forward to serving yo and thanks yo for the opportnity to do so. p Lan din g The Nominating Committee has selected the following individals Mr. Lynn Ure, Mr. Charlie Flks and Mr. Sam Blndell to fill the positions available on the Board of Directors. The Spervisory Committee will call for nominations from the floor and a ratifying vote of the members at the Annal Meeting, which will be held on Tesday, April 16, 2013, at 6:00 p.m. in the aditorim of the H. Floyd Tanner bilding at 7167 S. Center Park Dr., West Jordan, Utah. Plaza Center Drive Goodbye Carpal Tnnel. Have yo ever felt the need to do hand exercises in preparation for all the initialing and signing most mortgage applications and closings reqire? Now yo don t have to. With Qick Close, yo simply review the docments from home and then provide a digital signatre at the title office. It s applied to the mortgage, and yo re on yor way in no time. Paperless Mortgages Nominating Committee Jorda n Green and Secre. At the end of a traditional loan process, yo typically leave with a hge stack of paperwork. With Qick Close, only a handfl of docments are printed. The rest are secrely stored on a flash drive that yo can take with yo. SM s Vi e w D r i v e Share Docments. Say goodbye to mltiple trips to yor loan office. Now yo can pload all of yor key docments, inclding paystbs and tax information, right from yor home compter. the board mp Apply Online. As a prospective homebyer, yo don t need to call or come into the branch to start the mortgage process. One click can pt yo on the path to homeownership. A mes sag e from Ca paperless from start to finish. Bying a home jst got easier thanks to the most recent pgrade to Montain America s Qick Close electronic mortgage process. Now, not only can yo view and sign yor closing docments from home, yo can enjoy that convenience from start to close. Here are some key featres that make or process more simple than ever: Montain America Tanner Bilding (parking in front of bilding) Montain America Corporate Bilding Annal Bsiness Meeting The Board of Directors is pleased to annonce that the Montain America Credit Union Annal Bsiness Meeting will be held Tesday, April 16, 2013, at 6:00 p.m. in the aditorim of the H. Floyd Tanner bilding at 7167 S. Center Park Dr., West Jordan, Utah. All Montain America members are invited to attend. p

4 Most people nderstand the importance of being financially savvy. After all, a poor grasp of personal finances can lead to nwise spending decisions, a lack of emergency savings, maxed ot credit cards, higher interest rates, identity theft, poor investment choices and nderestimated financial needs in retirement. Bt not everyone knows how to go abot gaining money smarts. This is where Montain America can help. We have nmeros resorces yo can se to help take control of yor finances. Here are a cople of them: Montain Money Blog to-nderstand information on a variety of financial topics from mortgages and credit to insrance and frad prevention. There is a little of everything here, so yo re sre to find nmeros articles that pertain to yor financial sitation. Developed by financial expert, athor and speaker, Brian Nelson Ford, this program helps individals and families stay on track financially, become motivated to take action and live a balanced life. Montain Money is located online at blog.mac.com. Make sre to check it ot as soon as possible to begin yor jorney toward financial sccess. There are two ways to se this tool: yo can either take advantage of the learning corses in a strctred program, or se this as ongoing edcation abot financial literacy. Here are the options available for each: 8 Pillars University For members looking for more in-depth financial edcation, we offer the 8 Pillars University. BOOST Yor Financial Knowledge One of the most simple things yo can do to prepare for financial sccess is learn the basics. On Montain America s blog, Montain Money, yo ll find easy- Program Approach Access over 5 hors of video learning. Download a fll ebook of 8 Pillars of Financial Greatness. Download a complete workbook to help yo make yor plan to reach financial greatness. Ongoing Edcation Approach Access articles on the most poplar and important financial topics. Use 30 calclators meant to help yo as yo plan toward reaching financial greatness. Take the Financial Literacy Qiz and see where yo are reaching greatness, and where to focs yor time going forward. For additional details, and to get started, visit p Bsiness Seminars FREE Today, bsiness owners need every advantage they can get to become sccessfl. That s why Montain America Insrance Services has partnered with Moreton & Company, one of the nation s leading insrance brokers, to provide bsinesses with a series of free, helpfl seminars. Topics will inclde healthcare reform, cyber liability, risk management and more. The first seminar is coming p soon, so make sre to reserve yor seat right away by visiting Montain America s website, Seminar 1: The Affordable Care Act Update What: The next steps in the Affordable Care Act take effect in Make sre yor company is ready. In this free seminar, gest speaker Carolyn Cox, one of Utah s leading employment and benefits lawyers, will cover: Additional 2014 insrance market reforms, essential health benefits and the new wellness incentive. The coming transitional reinsrance fee. Concrete and clear information on how the pay or play penalty will apply to yor company. And more. When: April 30, from 8:30 10:00 a.m., with check-in and a light breakfast from 8:30 9:00 a.m. Where: Montain America s Tanner bilding at 7167 S. Center Park Dr., West Jordan, Utah. p

5 Board of Directors Roger P. Andrs, Chair Lynn Ure, Vice Chair Irene Grant, Secretary J. Brce Reading Scott J. Brt Diane Mansfield Charlie Flks Michael Allen Charlyn Sorensen Spervisory Committee Sam Blndell, Chair David Swan Wade Higgs Jlie Wray Shirley Rogers Montain America Corporate Offices P.O. Box 9001, West Jordan, UT Find Us: facebook.com/montainamerica Follow Us: twitter.com/montainamerica Sbscribe to Us: blog.mac.com Watch Us: yotbe.com/montainamerica Call Us: Service Center Toll-Free CARL CARL (2275) Investments Mortgage Loans Bsiness Services Stdent Loans Receive access to special deals and additional content, when yo sign p for estatements and the enewsletter. Simply log in to Online Branch, click the Docments and Statements tab and select estatements. Federally insred by NCUA. Loans sbject to credit approval. 07MTN088403