College Planning 101: your seat is saved

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "College Planning 101: your seat is saved"

Transcription

1 : yor seat is saved LC-2011 Prodcts for Life

2 paying for Sddenly yo re off on yor own. Yo have a 1 whole bnch of new financial responsibilities paying for tition, books, bills, room and board and yo re probably sing credit more often, or even for the first time. It s like yo ve enrolled in a crash corse for life, and it all can be overwhelming if yo don t have a helping hand. Montain America can help. From high school gradation throgh and beyond, we have the financial tools to make yor life easier.

3 paying for 2 Montain America Credit Union The trth is, can be expensive. First, there s tition. Then there are books and room and board. It adds p qickly. No wonder a majority of stdents are seeking financial assistance of one kind or another. Let Montain America be yor edcation-financing partner. We provide alternative stdent loans to help yo pay for. Montain America offers the following edcation loans: 63 % of all ndergradates enrolled receive some type of financial aid. 35 % 3 Montain America s Edcation Line of Credit Montain America s Edcation Repayment Loan If yo have any qestions regarding or Edcation Loans, please contact or Stdent Loan Department at or ext of those ndergradates took ot stdent loans, according to the latest stdy by the National Center for Edcation Statistics.

4 Montain America s Edcation Line of Credit Montain America s Edcation Line of Credit Edcation Line of Credit * Prior to applying: Important facts to know: 4Montain America Credit Union Or Edcation Line of Credit will help yo finance yor edcation if: Yo do not qalify for Federal Aid or yor school doesn t offer Federal Stafford Loans. Yo re attending a trade or specialty school (aviation, aesthetician, trck driving, cosmetology, etc.). Yo re taking contining edcation classes. What happens after yo apply? We ll contact yo with a credit decision. If yo re approved, the following steps mst be taken prior to yor loan being approved: q Sbmit a School Certification Form (completed by the Financial Aid Office). Complete the Federal Stafford Loan (FAFSA) process, if applicable. Yo mst be enrolled in an eligible program at a two-year or for-year pblic or private edcation instittion, career school, trade school or other approved program. Where to apply: At yor nearest Montain America branch. The loan is in the stdent s name. A cosigner is often reqired (see below to determine if yo need to apply with a cosigner). The loan amont is determined by the total cost of edcation less any other financial aid received. Variable interest rates are based on the Prime Rate (may change monthly). Yo ll make interest-only payments while yo re still in school. Payments are de on the last day of the month. Yo mst sbmit yor grades/progress report every six months. The maximm interest-only payment term is six years (72 months). Six months after gradation or withdrawal from school, or if grades haven t been received for six months, the Line of Credit converts to the Edcation Repayment Loan (see next page for details). How do I know if I need a cosigner? Are yo: 5 q Complete the reqired Credit Matters and Money Management corses throgh or partner, BALANCE SM online at Or set p an appointment by calling Tell them yo re calling for Montain America s Reqired Stdent Loan Conseling Session (see ad on page 12). q Verify income verification (two check stbs or two years of tax retrns if self-employed). q Sbmit two references. A stdent loan representative will contact yo to sign yor approval disclosre. Once yo accept the terms, yo sign the loan docments at yor branch. We ll disbrse the money directly to the school. On or website at (mst be set p for Online Branch). Over the phone with a Service Center Agent at (option 2). ** On approved credit A U.S. citizen or permanent resident? q Yes q No At least 18 years of age? q Yes q No Do yo have: A satisfactory credit history that incldes at least 12 months of borrowing, charging and repaying? q Yes q No No liens, jdgments, charge-offs, excessive 30-, 60- or 90-day delinqencies on any loans or revolving charge acconts, etc.? q Yes q No Verifiable income of at least $18,000 per year ($1,500 per month)? q Yes q No If yes to all: Yo may be eligible for an Edcation Line of Credit on yor own credit. If no to any: Yo may need a cosigner to spport yor loan application. To expedite the application process, please have a cosigner with yo when yo complete yor application.

5 Montain America s Edcation Repayment Loan Edcation Repayment Loan** Where to apply The Edcation Repayment Loan is designed to help yo repay edcation debt. Yo can even consolidate previos edcation At yor nearest Montain America branch. College is more than jst edcation MyFree Checking 6Montain America Credit Union debt with other lenders into one easy payment. What happens after yo apply? We ll contact yo with a credit decision. If yo re approved, a Stdent Loan Representative will contact yo to set p closing at yor nearest branch. We ll send yor money by check directly to the other lending instittion(s). Important facts to know Fixed interest rate. On or website at (mst be set p for Online Branch). Over the phone with a Service Center Agent at (option 2). *On approved credit costs. There are dozens of daily expenses to consider tilities, food, transportation and, of corse, a little fn money. We offer a variety of prodcts to help yo manage yor day-to-day expenses. Visa Debit Card The Visa Debit Card 1 looks like a A free checking accont 1 is perfect for stdents since it has no balance reqirement, no service charge and yo can write as many checks as yo need. With a free checking accont, yo also get these added benefits: Free Visa Debit Card 1 Unlimited ATM deposits and withdrawals 7 The maximm loan term is 120 months (10 years) or credit card bt works like a check. Free online banking 12 months per $1,000. The fnds come straight ot of yor checking accont. Yo can Free estatements ** se it to withdraw money at ATMs or get cash back at the grocery Free Mobile Banking If yo have any qestions regarding any of or Edcation Loans, please contact or Stdent Loan Department at or ext store. It s perfect for filling p yor tank or grabbing lnch at the drive-throgh. Overdraft protection 1 * *$2 monthly fee to receive paper statements

6 Ato Loans 1 Renter s Insrance 2 Secondary Savings It s simple to prchase or refinance If yo re renting a hose, condo or Secondary acconts are a great a new car. Or ato loans are fast apartment, make sre yor per- way to set aside savings for special and hassle-free. We ll help yo sonal property is protected. Yor occasions sch as spring break or 8Montain America Credit Union secre financing for yor new or sed car or trck at a low, affordable rate. Get preapproved throgh Montain America so yo re in a better bargaining position before yo shop. Apply online at or at yor nearest branch and find ot how mch yo qalify for. We can also pt yo in toch with a dealership that can finance yor car directly throgh s. Ato Insrance 2 Yo sholdn t have to pay a lot for great ato insrance. Whether yo re financing a new car throgh Montain America or jst looking for a lower rate, we have the lowcost soltion for yo. landlord or condo association s insrance will cover damage to their bilding only, not yor belongings. Renter s insrance is a relatively inexpensive way to cover yor bases. Call s today at for yor FREE insrance qote. Membership Savings A savings accont is the cornerstone of yor financial package, and experts recommend yo have six months of living expenses pt away. Open yor Montain America savings accont today and start saving for a hose, vehicle, vacation or whatever yor ftre holds. And while yo re at it, yo can earn higher dividends than at Christmas. This accont pays the same competitive dividends as yor membership savings and reqires no minimm balance. Montain Climber Term Deposits If yo are between 18 and 27 years old, yo can se the Montain Climber Term Deposit to get in the habit of saving long-term. Earns term deposit dividend rates, which are higher than reglar savings accont rates Minimm opening deposit of $25 Add any amont to the term deposit throghot the year (p to $3,000) One-, two-, three-, for- or five-year terms available Open yor Montain Climber Term Deposit today! 9 most other instittions.

7 thinking ahead: 10 No matter how mch fn may be, it can t last forever. To avoid financial strggles, yo need to start preparing for as soon as possible. 11 Montain America Credit Union For some, that means repaying stdent loans; for others, it means bying a home, raising a family or saving for the ftre. Whatever yor after- plans may be, Montain America has the prodcts and services to help yo prepare. First Time Mortgage Loans When yo re ready to by yor first home, let s help. We have a knowledgeable and dedicated staff to direct yo in choosing the right type of loan. We make the process affordable, convenient and easy to nderstand. Ask abot or First Time Home Byers Program % financing No down payment No mortgage insrance As little as $500 ot-of-pocket closing cost

8 12 Balance for FREE Confidential Hor-long session to go over yor bdget and how to se credit wisely Reqired for the Edcation Line of Credit Receive nbiased information and assistance Conselors are available Monday throgh Thrsday, 6 a.m. to 9 p.m. (MST); Friday, 6 a.m. to 6 p.m.; and Satrday, 9 a.m. to 6 p.m. Montain America Credit Union Available Throgh Call and mention yo are calling for Montain America s Reqired Stdent Loan Conseling

9 SET YOUR COURSE FOR COLLEGE TODAY For more information abot any of the services listed in this brochre, call , visit or website at or stop by the branch nearest yo. 1 On approved credit. 2 These prodcts are offerings for insrance. They are: not a deposit, not an obligation of or garanteed by any credit nion, not insred by the NCUA. In the case of life insrance, may go down in vale. Prchasing of insrance prodcts will not affect the extension of credit in any way. Federally insred by NCUA.

CONTACT US. The Financial ABCs for Raising a Family

CONTACT US. The Financial ABCs for Raising a Family The Financial ABCs for Raising a Family CONTACT US For more information abot any of the in this brochre, call 1-800-748-4302, visit or at www.mac.com or stop by the branch nearest yo. Federally insred

More information

www.macu.com LH-2011 Products for Life

www.macu.com LH-2011 Products for Life www.mac.com LH-2011 Prodcts for Life 2 6 8 10 12 13 prchase Qick 14 insrance There s nothing like the feeling of bying yor own home. Yo finally have yor own space, and yor money is going toward something

More information

Owning A business Step-By-Step Guide to Financial Success

Owning A business Step-By-Step Guide to Financial Success Owning A bsiness Step-By-Step Gide to Financial Sccess CONTACT US For more information abot any of the services in this brochre, call 1-888-845-1850, visit or website at bsiness.mac.com or stop by the

More information

Direct Loan Basics & Entrance Counseling Guide. For Graduate and Professional Student Direct PLUS Loan Borrowers

Direct Loan Basics & Entrance Counseling Guide. For Graduate and Professional Student Direct PLUS Loan Borrowers Direct Loan Basics & Entrance Conseling Gide For Gradate and Professional Stdent Direct PLUS Loan Borrowers DIRECT LOAN BASICS & ENTRANCE COUNSELING GUIDE For Gradate and Professional Stdent Direct PLUS

More information

DESTINATION ASSURED CONTACT US. Products for Life

DESTINATION ASSURED CONTACT US. Products for Life DESTINATION ASSURED CONTACT US For more information abot any of the services in this brochre, call 1-800-748-4302, visit or website at www.mac.com or stop by the branch nearest yo. LR-2011 Federally insred

More information

USA Funds Life Skills Course Summaries. Financial Aid and Paying for College. 101 How Will I Pay for My Higher Education?

USA Funds Life Skills Course Summaries. Financial Aid and Paying for College. 101 How Will I Pay for My Higher Education? USA Fnds Life Skills Corse Smmaries Financial Aid and Paying for College 101 How Will I Pay for My Higher Edcation? Teaches stdents how to find resorces and fnds to finance their higher edcation by examining

More information

Marriagee. The To-Do s Before and After the I Do s CONTACT US. Products for Life

Marriagee. The To-Do s Before and After the I Do s CONTACT US. Products for Life e The To-Do s Before and After the I Do s CONTACT US For more information abot any of the in this brochre, call 1-800-748-4302, visit or website at www.mac.com or stop by the branch nearest yo. LM-2011

More information

Borrowing for College. Table of contents. A guide to federal loans for higher education

Borrowing for College. Table of contents. A guide to federal loans for higher education Borrowing for College A gide to federal loans for higher edcation Table of contents Edcation loan basics 2 Applying for edcation loans 3 Repaying edcation loans 3 Controlling edcation loan debt 5 Glossary

More information

SME Business. Solutions

SME Business. Solutions SME Bsiness Soltions For more information, please contact SME Banking: Bahrain World Trade Center, East Tower 15th Floor Tel: 17 13 3383 Fax: 17 13 1043 E-mail: sme@bmi.com.bh ABOUT BMI BANK We re a yong,

More information

A great place to make a living... and a life.

A great place to make a living... and a life. A great place to make a living... and a life. University of Dayton Benefits Smmary Family-friendly and flexible benefits The opportnity to enrich the lives of others, to match yor talents to the work of

More information

A Message from the CEO

A Message from the CEO October 2007 A Message from the CEO For the past 53 years, we have been recognized by or logo, name, competitive rates, and qality member service. All these have been vital to the strength of or organization.

More information

A great place to make a living... and a life.

A great place to make a living... and a life. A great place to make a living... and a life. University of Dayton Benefits Smmary Family-friendly and flexible benefits The opportnity to enrich the lives of others, to match yor talents to the work of

More information

Make the College Connection

Make the College Connection Make the College Connection A college planning gide for stdents and their parents Table of contents The compelling case for college 2 Selecting a college 3 Paying for college 5 Tips for meeting college

More information

Opening the Door to Your New Home

Opening the Door to Your New Home Opening the Door to Yor New Home A Gide to Bying and Financing. Contents Navigating Yor Way to Home Ownership...1 Getting Started...3 Finding Yor Home...9 Finalizing Yor Financing...12 Final Closing...13

More information

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

QUARTERLY 2013 President s Message Quick Close Paperless from Start to Finish A Message from the Board Boost Your Financial Knowledge 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 We want to help yo scceed in

More information

Teachable Moments for Personal Finance Education. Introduction

Teachable Moments for Personal Finance Education. Introduction Teachable Moments for Personal Finance Edcation Best Practices for Implementing USA Fnds Life Skills and Other Financial Literacy Resorces Introdction Stdents who leave yor instittion eqipped with both

More information

Social Work Bursary: Academic year 2015/16 Application notes for students on undergraduate courses

Social Work Bursary: Academic year 2015/16 Application notes for students on undergraduate courses Social Work Brsary: Academic year 2015/16 Application notes for stdents on ndergradate corses These notes are for ndergradate stdents who have previosly received a brsary. Please make sre yo complete the

More information

2014-2015 SUGGESTED LENDER LIST FOR PRIVATE LOAN OPTIONS AVAILABLE TO INTERNATIONAL GRADUATE STUDENTS

2014-2015 SUGGESTED LENDER LIST FOR PRIVATE LOAN OPTIONS AVAILABLE TO INTERNATIONAL GRADUATE STUDENTS The chart below otlines the lender contact information and the lender description of the fee strctre, interest rates, and borrower benefits associated with each lender s private loan prodct for loans disbrsed

More information

Social Work Bursary: Academic Year 2014/15 Application notes for students on postgraduate courses

Social Work Bursary: Academic Year 2014/15 Application notes for students on postgraduate courses Social Work Brsary: Academic Year 2014/15 Application notes for stdents on postgradate corses These notes are for stdents who do not have a partner or any dependants. Please make sre yo complete the correct

More information

The bintec HotSpot Solution. Convenient internet access anywhere

The bintec HotSpot Solution. Convenient internet access anywhere The bintec HotSpot Soltion Convenient internet access anywhere Convenient internet access for all kinds of spaces Today s internet sers are freqently on the go. They expect to have internet access on their

More information

FINANCIAL FITNESS SELECTING A CREDIT CARD. Fact Sheet

FINANCIAL FITNESS SELECTING A CREDIT CARD. Fact Sheet FINANCIAL FITNESS Fact Sheet Janary 1998 FL/FF-02 SELECTING A CREDIT CARD Liz Gorham, Ph.D., AFC Assistant Professor and Family Resorce Management Specialist, Utah State University Marsha A. Goetting,

More information

property insurance claim report

property insurance claim report property insrance claim report CGU Insrance Limited ABN 27 004 478 371 Please retain this page for yor information Abot yor claim Most policies allow for replacement of property with the nearest eqivalent

More information

Purposefully Engineered High-Performing Income Protection

Purposefully Engineered High-Performing Income Protection The Intelligent Choice for Disability Income Insrance Prposeflly Engineered High-Performing Income Protection Keeping Income strong We engineer or disability income prodcts with featres that deliver benefits

More information

The Intelligent Choice for Basic Disability Income Protection

The Intelligent Choice for Basic Disability Income Protection The Intelligent Choice for Basic Disability Income Protection provider Pls Limited Keeping Income strong We prposeflly engineer or basic disability income prodct to provide benefit-rich featres delivering

More information

HSBC Internet Banking. Combined Product Disclosure Statement and Supplementary Product Disclosure Statement

HSBC Internet Banking. Combined Product Disclosure Statement and Supplementary Product Disclosure Statement HSBC Internet Banking Combined Prodct Disclosre Statement and Spplementary Prodct Disclosre Statement AN IMPORTANT MESSAGE FOR HSBC CUSTOMERS NOTICE OF CHANGE For HSBC Internet Banking Combined Prodct

More information

Corporate performance: What do investors want to know? Innovate your way to clearer financial reporting

Corporate performance: What do investors want to know? Innovate your way to clearer financial reporting www.pwc.com Corporate performance: What do investors want to know? Innovate yor way to clearer financial reporting October 2014 PwC I Innovate yor way to clearer financial reporting t 1 Contents Introdction

More information

Introduction to HBase Schema Design

Introduction to HBase Schema Design Introdction to HBase Schema Design Amandeep Khrana Amandeep Khrana is a Soltions Architect at Clodera and works on bilding soltions sing the Hadoop stack. He is also a co-athor of HBase in Action. Prior

More information

CRM Customer Relationship Management. Customer Relationship Management

CRM Customer Relationship Management. Customer Relationship Management CRM Cstomer Relationship Management Farley Beaton Virginia Department of Taxation Discssion Areas TAX/AMS Partnership Project Backgrond Cstomer Relationship Management Secre Messaging Lessons Learned 2

More information

The BRYAN MBA. Educating exceptional problem solvers who make lasting impacts where they work, live, and lead.

The BRYAN MBA. Educating exceptional problem solvers who make lasting impacts where they work, live, and lead. The BRYAN MBA Edcating who make lasting they work, live, Welcome DAY AND EVENING Program Overview Choosing an MBA program is one of the most important career and edcational choices yo will make. By considering

More information

Vista Information System

Vista Information System Vista Information System FIVE EASY STEPS TO IMPROVED BLOOD CENTER EFFICIENCY People over Paperwork I m glad they took the time to nderstand or process CaridianBCT walked the floor with or people and really

More information

A guide to safety recalls in the used vehicle industry GUIDE

A guide to safety recalls in the used vehicle industry GUIDE A gide to safety recalls in the sed vehicle indstry GUIDE Definitions Aftermarket parts means any prodct manfactred to be fitted to a vehicle after it has left the vehicle manfactrer s prodction line.

More information

The Intelligent Choice for Disability Income Protection

The Intelligent Choice for Disability Income Protection The Intelligent Choice for Disability Income Protection provider Pls Keeping Income strong We prposeflly engineer or disability income prodct with featres that deliver benefits sooner and contine paying

More information

personal income insurance product disclosure statement and policy Preparation date: 26/03/2004

personal income insurance product disclosure statement and policy Preparation date: 26/03/2004 personal income insrance prodct disclosre statement and policy Preparation date: 26/03/2004 personal income Insrer CGU Insrance Limited ABN 27 004 478 371 AFS Licence No. 238291 This is an important docment.

More information

www.schoolnutrition.org/join

www.schoolnutrition.org/join EZ Event Photography SNA MEMBERSHIP www.schoolntrition.org/join Becase Yor Voice Matters SNA MEMBERSHIP BECAUSE YOUR VOICE MATTERS Yo have sch an important job serving school breakfast and lnch to or nation

More information

Kentucky Deferred Compensation (KDC) Program Summary

Kentucky Deferred Compensation (KDC) Program Summary Kentcky Deferred Compensation (KDC) Program Smmary Smmary and Highlights of the Kentcky Deferred Compensation (KDC) Program Simple. Smart. For yo. For life. 457 Plan 401(k) Plan Roth 401(k) Deemed Roth

More information

On Track for Career Success: Starting Back to School

On Track for Career Success: Starting Back to School On Track for Career Sccess: Starting Back to School Dr. Nancy Barnm, Director, RN-BSN Program, Associate Professor Mr. Keith Wynn, Recriter, Office of Admissions Why Shold Yo Go Back to School? Why Shold

More information

Transition of Care/ Continuity of Care

Transition of Care/ Continuity of Care Having troble nderstanding some of the health insrance terms on this form? See definitions on page 3. Transition of Care/ Continity of Care Overview Transition of Care gives new UnitedHealthcare members

More information

Phone Banking Terms Corporate Accounts

Phone Banking Terms Corporate Accounts Phone Banking Terms Corporate Acconts If there is any inconsistency between the terms and conditions applying to an Accont and these Phone Banking Terms, these Phone Banking Terms prevail in respect of

More information

NAPA TRAINING PROGRAMS FOR:

NAPA TRAINING PROGRAMS FOR: NAPA TRAINING PROGRAMS FOR: Employees Otside Sales Store Managers Store Owners See NEW ecatalog Inside O V E R V I E W 2010_StoreTrainingBrochre_SinglePg.indd 1 5/25/10 12:39:32 PM Welcome 2010 Store Training

More information

Welcome to UnitedHealthcare. Ideally, better health coverage should cost less. In reality, now it can.

Welcome to UnitedHealthcare. Ideally, better health coverage should cost less. In reality, now it can. Welcome to UnitedHealthcare Ideally, better health coverage shold cost less. In reality, now it can. The plan designed with both qality and affordability in mind. Consistent, qality care is vitally important.

More information

Get paid a day early with Direct Deposit

Get paid a day early with Direct Deposit March 2015 Number 3 Volume 53 Get paid a day early with Direct Deposit Are you anxious around payday, worrying about having money in your account to pay bills on time? Sign up for SAFE Direct Deposit and

More information

866.232.3314. Frequently Asked Questions about Student Loans

866.232.3314. Frequently Asked Questions about Student Loans Frequently Asked Questions about Student Loans What are private student loans? Private student loans are meant to help students fill the funding gaps that federal aid can leave behind. Private loans should

More information

Introducing Revenue Cycle Optimization! STI Provides More Options Than Any Other Software Vendor. ChartMaker Clinical 3.7

Introducing Revenue Cycle Optimization! STI Provides More Options Than Any Other Software Vendor. ChartMaker Clinical 3.7 Introdcing Revene Cycle Optimization! STI Provides More Options Than Any Other Software Vendor ChartMaker Clinical 3.7 2011 Amblatory EHR + Cardiovasclar Medicine + Child Health STI Provides More Choices

More information

Architecture & Construction

Architecture & Construction Architectre & Constrction Constrction Trades $11.25/hr starting salary Carpenter s Helper Constrction Workforce Transition Residential Constrction Nationally certified by the National Center for Constrction

More information

Closer Look at ACOs. Designing Consumer-Friendly Beneficiary Assignment and Notification Processes for Accountable Care Organizations

Closer Look at ACOs. Designing Consumer-Friendly Beneficiary Assignment and Notification Processes for Accountable Care Organizations Closer Look at ACOs A series of briefs designed to help advocates nderstand the basics of Accontable Care Organizations (ACOs) and their potential for improving patient care. From Families USA Janary 2012

More information

StudentChoice. Student loans are an integral part of financing a college education. Educate yourself, and borrow wisely.

StudentChoice. Student loans are an integral part of financing a college education. Educate yourself, and borrow wisely. StudentChoice Student loans are an integral part of financing a college education. Educate yourself, and borrow wisely. 2 2 What are my student loan options? Federal Student Loans A federal student loan

More information

personal and public liability insurance

personal and public liability insurance personal and pblic liability insrance personal and pblic claim report Insrer CGU Insrance Limited ABN 27 004 478 371 CGU Insrance Limited ABN 27 004 478 371 Please keep this page for yor information Abot

More information

SDHDA Homeownership 101. South Dakota Housing Development Authority 2015 Annual Conference

SDHDA Homeownership 101. South Dakota Housing Development Authority 2015 Annual Conference SDHDA Homeownership 101 Soth Dakota Hosing Development Athority 2015 Annal Conference First-time Homebyer Program The basics of Compliance Review with IRS/MRB Code Income Limits (based on Conty AMI%) Prchase

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS Welcome to Georgia United! Below you ll find answers to commonly asked questions. Our goal is to ensure that the transition process is seamless for you. If at any time you would like more information,

More information

GUIDELINE. Guideline for the Selection of Engineering Services

GUIDELINE. Guideline for the Selection of Engineering Services GUIDELINE Gideline for the Selection of Engineering Services 1998 Mission Statement: To govern the engineering profession while enhancing engineering practice and enhancing engineering cltre Pblished by

More information

n life after graduation making out onyour own.

n life after graduation making out onyour own. n life after graduation making out onyour it own. n life after graduation You re all grown up, graduated and ready to go to move out of your parents house, to buy your first car, to spend, spend, and spend.

More information

Welcome to SchoolsFirst Federal Credit Union

Welcome to SchoolsFirst Federal Credit Union Welcome to SchoolsFirst Federal Credit Union This guide will help you understand how your All Valley FCU accounts will be transitioning over to SchoolsFirst FCU. In the coming weeks, look for a guide on

More information

Dual degree in Strategic Marketing online. Study an online MSc and MA in Strategic Marketing awarded by UNINETTUNO and Geneva Business School

Dual degree in Strategic Marketing online. Study an online MSc and MA in Strategic Marketing awarded by UNINETTUNO and Geneva Business School Dal degree in Strategic Marketing online Stdy an online MSc and MA in Strategic Marketing awarded by UNINETTUNO and Geneva Bsiness School Awarded by Geneva Bsiness School Geneva Barcelona Moscow Class

More information

Building Trust How Banks are Attracting and Retaining Business Clients With Institutional Money Fund Portals

Building Trust How Banks are Attracting and Retaining Business Clients With Institutional Money Fund Portals Bilding Trst How Banks are Attracting and Retaining Bsiness Clients With Instittional Money Fnd Portals By George Hagerman, Fonder and CEO, CacheMatrix Holdings, LLC C ompetitive pressres are driving innovation

More information

Kitsap Credit Union Membership

Kitsap Credit Union Membership Membership Benefits Kitsap Credit Union Membership Kitsap Credit Union is your local, not for profit financial co-op. As a co-op, we work towards the best interest of our members. Since 1934 we ve been

More information

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu.

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu. It s ALL inside. Everything you expect from your bank and more. member services, loans & benefits Better banking for Less Loans. Deposits. Insurance. Investments. www.lcfcu.org a tradition of Service Library

More information

Tools to help Historically Black Colleges & Universities make the most of their brand, website & marketing campaigns

Tools to help Historically Black Colleges & Universities make the most of their brand, website & marketing campaigns Tools to help Historically Black Colleges & Universities make the most of their brand, website & marketing campaigns A service of vitalink, Universal Printing and AndiSites Universities are challenged

More information

Facilities. Car Parking and Permit Allocation Policy

Facilities. Car Parking and Permit Allocation Policy Facilities Car Parking and Permit Allocation Policy Facilities Car Parking and Permit Allocation Policy Contents Page 1 Introdction....................................................2 2.0 Application

More information

SEGREGATED ACCOUNTS COMPANIES ACE CAPABILITIES: AN OVERVIEW

SEGREGATED ACCOUNTS COMPANIES ACE CAPABILITIES: AN OVERVIEW SEGREGATED ACCOUNTS COMPANIES CAPABILITIES: AN OVERVIEW SIMPLICITY OUT OF COMPLEXITY SEGREGATED ACCOUNTS CAPABILITIES Managing yor own risks jst got simpler. In recent years, increasing reglation has led

More information

Successful Conference

Successful Conference The Keynote Gide to Planning a Sccessfl Conference Dr Cathy Key A Keynote Networks Workbook Contents Introdction...2 The Role of the Conference Organiser...3 Establishing a Committee...4 Creating a Bdget...5

More information

MSc and MA in Finance and Investment online Study an online MSc and MA in Finance and Investment awarded by UNINETTUNO and Geneva Business School

MSc and MA in Finance and Investment online Study an online MSc and MA in Finance and Investment awarded by UNINETTUNO and Geneva Business School MSc and MA in Finance and Investment online Stdy an online awarded by UNINETTUNO and Geneva Bsiness School Awarded by Geneva Bsiness School Geneva Barcelona Moscow Class profile The connects yo with stdents

More information

3 Building Blocks Of Optimized Price & Promotion Strategies

3 Building Blocks Of Optimized Price & Promotion Strategies 3 Bilding Blocks Of Optimized Price & Promotion Strategies Boosting Brand Loyalty And Profits With Visal Analytics Sponsored by E-book Table of contents Introdction... 3 Consolidate And Analyze Data From

More information

The Institute Of Commercial Management. Prospectus. Start Your Career Here! www.icm.ac.uk info@icm.ac.uk

The Institute Of Commercial Management. Prospectus. Start Your Career Here! www.icm.ac.uk info@icm.ac.uk The Institte Of Commercial Management Prospects Start Yor Career Here! www.icm.ac.k info@icm.ac.k The fondation of every state is the edcation of it s yoth. Diogenes Laertis Welcome... Althogh we are

More information

Westpac. Loans. Personal. Loans

Westpac. Loans. Personal. Loans Westpac Loans Personal Loans As at 7 September 2014 Need money for a wedding, home improvements, to go on a holiday or even a new car to get there? Or do you simply want to consolidate your bills to have

More information

High Availability for Internet Information Server Using Double-Take 4.x

High Availability for Internet Information Server Using Double-Take 4.x High Availability for Internet Information Server Using Doble-Take 4.x High Availability for Internet Information Server Using Doble-Take 4.x pblished April 2000 NSI and Doble-Take are registered trademarks

More information

Welcome to Broward HealthCare Federal Credit Union

Welcome to Broward HealthCare Federal Credit Union Welcome to Broward HealthCare Federal Credit Union what is a credit union? Credit Unions are member-owned cooperatives; in fact, that s why savings in a credit union are technically called shares. Unlike

More information

2016 DollarWise Summer Youth Contest Final Quiz Study Guide

2016 DollarWise Summer Youth Contest Final Quiz Study Guide 2016 DollarWise Summer Youth Contest Final Quiz Study Guide The DollarWise Summer Youth Contest Final Exam questions are designed to test your full knowledge of the information provided in the contest.

More information

Tax Considerations for Charitable Gifting

Tax Considerations for Charitable Gifting Tax Considerations for Charitable Gifting Prepared by: Martin Kretzschmann CPA CA for Georgian Bay General Hospital Fondation October 24, 2014 Ideas to Redce Tax sing Charitable Giving Simple Gift dring

More information

Fifth Third Home Buying Guide. A Guide to Residential Home Buying.

Fifth Third Home Buying Guide. A Guide to Residential Home Buying. Fifth Third Home Buying Guide A Guide to Residential Home Buying. Important Contacts and Numbers. Use this page to record important information as you move through the homebuying process. Realtor/Builder

More information

After I ve taken out a loan through SmartBiz, how do I access my SmartBiz account?

After I ve taken out a loan through SmartBiz, how do I access my SmartBiz account? Business lending powered by SmartBiz FAQs: What is SmartBiz? What are the SmartBiz benefits I receive as a Sam s Club member? Do I need to be a Sam s Club member to receive the member discount on SmartBiz

More information

Pollok Credit Union. Members Information Pack

Pollok Credit Union. Members Information Pack Members Information Pack Pollok Office Pollok Credit Union Silverburn Shopping Centre Barrhead Rd Glasgow G53 6QR Tel: 0141 880 7888 Shawlands Office Pollok Credit Union 17 Kilmarnock Rd Shawlands Glasgow

More information

Wondering how to borrow using the equity in your home? Ask a Citizen. The Citizens Guide to Home Equity Financing

Wondering how to borrow using the equity in your home? Ask a Citizen. The Citizens Guide to Home Equity Financing Wondering how to borrow using the equity in your home? Ask a Citizen. The Citizens Guide to Home Equity Financing We understand you have questions about home borrowing. We can help. At Citizens Bank, we

More information

Introducing ChartMaker Cloud! STI Provides More Options Than Any Other Software Vendor

Introducing ChartMaker Cloud! STI Provides More Options Than Any Other Software Vendor Introdcing ChartMaker Clod! STI Provides More Options Than Any Other Software Vendor ChartMaker Clinical 3.7 2011 Amblatory EHR + Cardiovasclar Medicine + Child Health The ChartMaker Medical Site is made

More information

The RBF also licenses some credit institutions that provide personal loans (for education, travel etc), business loans, mortgages and vehicle loans.

The RBF also licenses some credit institutions that provide personal loans (for education, travel etc), business loans, mortgages and vehicle loans. Welcome again to the Public Awareness column provided by the Reserve Bank of Fiji (RBF). This month s article focuses on borrowing money and managing that credit. We also provide some issues you should

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Curriculum development

Curriculum development DES MOINES AREA COMMUNITY COLLEGE Crriclm development Competency-Based Edcation www.dmacc.ed Why does DMACC se competency-based edcation? DMACC tilizes competency-based edcation for a nmber of reasons.

More information

GFCU_FusionBookofMoney.qxd 4/15/11 9:47 PM Page 1. Give Yourself Some Credit! A Greylock Federal Credit Union Financial Literacy Guide

GFCU_FusionBookofMoney.qxd 4/15/11 9:47 PM Page 1. Give Yourself Some Credit! A Greylock Federal Credit Union Financial Literacy Guide GFCU_FusionBookofMoney.qxd 4/15/11 9:47 PM Page 1 Give Yourself Some Credit! A Greylock Federal Credit Union Financial Literacy Guide GFCU_FusionBookofMoney.qxd 4/15/11 9:47 PM Page 2 Contents How Does

More information

Opening a Bank Account

Opening a Bank Account Opening a Bank Account Section Objectives A basic component in establishing financial independence is Opening a Bank Account. Banking services are essential tools for managing personal finances and building

More information

Westpac Starting out. Student and graduate packages

Westpac Starting out. Student and graduate packages Westpac Starting out Student and graduate packages Our Student and Graduate Pacs take care of your banking so you can focus on your studies, or your new job and just get on with living life the way you

More information

What to buy: The ordering guide for VDO RoadLog VDO and RoadLog Trademarks of the Continental Corporation

What to buy: The ordering guide for VDO RoadLog VDO and RoadLog Trademarks of the Continental Corporation www.vdoroadlog.com What to by: The ordering gide for VDO RoadLog VDO and RoadLog Trademarks of the Continental Corporation Here s what yo ll need to get p and rnning on RoadLog: VDO RoadLog is the simple

More information

Executive Coaching to Activate the Renegade Leader Within. Renegades Do What Others Won t To Get the Results that Others Don t

Executive Coaching to Activate the Renegade Leader Within. Renegades Do What Others Won t To Get the Results that Others Don t Exective Coaching to Activate the Renegade Leader Within Renegades Do What Others Won t To Get the Reslts that Others Don t Introdction Renegade Leaders are a niqe breed of leaders. The Renegade Leader

More information

High Availability for Microsoft SQL Server Using Double-Take 4.x

High Availability for Microsoft SQL Server Using Double-Take 4.x High Availability for Microsoft SQL Server Using Doble-Take 4.x High Availability for Microsoft SQL Server Using Doble-Take 4.x pblished April 2000 NSI and Doble-Take are registered trademarks of Network

More information

WHAT IS BUSINESS CREDIT?

WHAT IS BUSINESS CREDIT? 1 WHAT IS BUSINESS CREDIT? Why Do I Need Credit? Establishing a good credit rating is an important financial priority for every business. Having good business credit means that owners of businesses can

More information

EducationPartnerships

EducationPartnerships EdcationPartnerships May 2012 Project Seeks to Strengthen Commnity College-HBCU Ties to Bolster Stdent Sccess Foster Dean has served as a Marine, and has been a bsiness owner and a real estate agent. He

More information

Start a fresh financial future. Join your local Credit Union

Start a fresh financial future. Join your local Credit Union Start a fresh financial future Join your local Credit Union Welcome to London Community Credit Union We are a financial co-operative designed with you in mind. If you live, work or receive education in

More information

Every manufacturer is confronted with the problem

Every manufacturer is confronted with the problem HOW MANY PARTS TO MAKE AT ONCE FORD W. HARRIS Prodction Engineer Reprinted from Factory, The Magazine of Management, Volme 10, Nmber 2, Febrary 1913, pp. 135-136, 152 Interest on capital tied p in wages,

More information

Achieve Financial CREDIT UNION

Achieve Financial CREDIT UNION ~ Achieve Financial CREDIT UNION Serving Members Since 1934 Together W7t> Can. Member Services Service Locations & Hours Our name says it all. At Achieve Financial Credit Union, our mission is to help

More information

Form M-1 Report for Multiple Employer Welfare Arrangements (MEWAs) and Certain Entities Claiming Exception (ECEs)

Form M-1 Report for Multiple Employer Welfare Arrangements (MEWAs) and Certain Entities Claiming Exception (ECEs) U.S. Department of Labor Employee Benefits Secrity Administration Room N5511 200 Constittion Avene, NW Washington, DC 20210 P-450 Form M-1 Report for Mltiple Employer Welfare Arrangements (MEWAs) and Certain

More information

Motorola Reinvents its Supplier Negotiation Process Using Emptoris and Saves $600 Million. An Emptoris Case Study. Emptoris, Inc. www.emptoris.

Motorola Reinvents its Supplier Negotiation Process Using Emptoris and Saves $600 Million. An Emptoris Case Study. Emptoris, Inc. www.emptoris. Motorola Reinvents its Spplier Negotiation Process Using Emptoris and Saves $600 Million An Emptoris Case Stdy Emptoris, Inc. www.emptoris.com VIII-03/3/05 Exective Smmary With the disastros telecommnication

More information

BankWorld POS. Today s solution for tomorrow s self-service bank. Your challenges have a BankWorld solution

BankWorld POS. Today s solution for tomorrow s self-service bank. Your challenges have a BankWorld solution BankWorld POS Today s soltion for tomorrow s self-service bank The adoption rate of POS terminals worldwide is on the rise as point-of-sale payments gain favor with today s cstomers who prefer to carry

More information

boat insurance information

boat insurance information boat insrance information Here s the Boat Insrance policy for people who love boats, designed by people who know boats CGU s Boat Insrance is an p-to-date, all-in-one cover with no hidden featres. It s

More information

products & services Building lifelong relationships one member at a time.

products & services Building lifelong relationships one member at a time. products & services Building lifelong relationships one member at a time. Joining CDC FCU For more than 60 years, CDC Federal Credit Union has been helping our members achieve their dreams with quality

More information

simple, clear, and personal

simple, clear, and personal Education Finance 770 Legacy Place Dedham, MA 02026 1-888-333-0169 www.citizensbank.com/edu March 30, 2015 Mr. Mark Zaffalon Financial Aid Office SUNY College at Fredonia 280 Central Avenue Fredonia, NY

More information

Your graduate degree from Defiance College will give you the

Your graduate degree from Defiance College will give you the Yor gradate degree from Defiance College will give yo the knowledge and nderstanding necessary to meet yor professional goals and to provide leadership within yor chosen profession and yor commnity. Gradate

More information

Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS

Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS Connecting ALL Your Banking Needs. SAVINGS We all have multiple financial needs. Whenever you need to bank, borrow or plan and grow, Align is here to help you every step of the way in one of our branches,

More information

Systems Upgrade Information Frequently Asked Questions

Systems Upgrade Information Frequently Asked Questions Systems Upgrade Information Frequently Asked Questions We ll be continually updating this page to ensure you have the most accurate and up-to-date information possible. Please check back often to stay

More information

Contact Center 630.276.5555 800.942.0158 (toll-free) 8:30 am 4:00 pm. Learn more about your credit union at. hacu.org

Contact Center 630.276.5555 800.942.0158 (toll-free) 8:30 am 4:00 pm. Learn more about your credit union at. hacu.org Membership hacu.org Contact Center 630.276.5555 800.942.0158 (toll-free) Monday Wednesday Tues.,Thurs. & Fri. 8:30 am 5:00 pm 8:30 am 1:00 pm 8:30 am 4:00 pm Learn more about your credit union at hacu.org

More information

Welcome Guide For Business Clients

Welcome Guide For Business Clients Welcome Gide For Bsiness Clients Welcome to the First Merchants family! 1 Abot First Merchants Banking. Insrance. Trst. www.firstmerchants.com Abot First Merchants With nearly 100 banking locations throghot

More information

Current Accounts Introducing control

Current Accounts Introducing control Current Accounts Introducing control Helping you keep your finances on track Manage your money easily If you don t want to use an Unplanned Overdraft, we can help. We ve designed an add-on for the Classic

More information