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SCHOOL AGE

The Credit Union Guide for Student Moneymakers

Googolplex^® is an online magazine written by youth for youth, and deals with money matters and life issues through colorful stories and interactive games. Googolplex reaches youth of all ages- C-Note for high schoolers, AJ’s for middle schoolers, and the Five-Spot for elementary schoolers.

Ever wonder: Which is worth more—a 1978 Boba Fett action figure or a 1989 Hot Wheels Lamborghini? If the U.S. could run out of money? Who's taking money out of your paycheck?

You'll find the answers to these and a googol of other questions when you visit the guide for student moneymakers.

Googolplex contains stories, games, and puzzles. It's all about money—getting it, saving it, spending it, borrowing it. It'll show you how business and the economy work and how you can take control of your financial future.

Come back regularly. You'll find something new each month. It's just one more way Yakima Valley Credit Union can help you make the most of your money.

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TEENS

Saving and spending wisely is not the same old song and dance.

In today's world it takes first-hand knowledge and hands-on practice for teens to successfully manage a checking account, use credit responsibly, or buy a used car.

Teens can gain knowledge and practice through Guides to Independence™ — a series of online interactive tutorials guiding them to financial freedom. With Guides to Independence:

• Youth learn through simulations, games, quizzes and by watching interactions among real teenagers.

• Students earn a free eMusic^® download when they complete each course, along with a certificate of completion.

• Users can print a certificate of completion to show they've completed each course.

Guides teaches today's teens and young adults about their future finances.

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AGES 18 to 30s

You have goals and dreams. Will you have the money?

Get your money working towards your goals and future without sacrificing the present with MoneyMix^TM:

Launch Your Life. It’s a free collection of financial tools and articles geared specifically for the opportunities and challenges young adults are facing today. You can even discuss ideas and issues with peers on our interactive blog. Topics include:

• Budgeting that matches your priorities
• Savings plans that work
• Making use—not abuse—of credit
• And much more!

Take advantage of MoneyMix^TM and unlock your potential.

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AGES 18 to 100+

Easy Access to Consumer Information

You're just a click away from online answers to your financial questions. Click the Home & Family Finance graphic to:

• Calculate what your car payment could be with a new loan;
• Browse through the "Leisure & Travel" section to plan your next trip;
• Find details on the home buying process;
• Take the Financial Fitness Challenge;
• and much more!

Are you:

• Considering leasing a car?
• Looking for an easier way to file your taxes?
• Wondering how much life insurance you need?

If you answered "yes" to any of these questions, you'll want to visit the Home & Family Finance Resource Center. You'll find hundreds of articles with valuable facts that may alter your thinking.

Even if you answered "no," explore the Resource Center. You're bound to find relevant topics that will lead you to financially sound moves. Return each week for news and fresh features.

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AGES 0 to 100+

Whatever your need, large or small, the MEMBERS Financial Services program is here to help you with a variety of insurance and investment needs.

If you’re like most people, you concentrate on when you’ll retire. However, it’s much more important to think about how you’ll retire ... and how you’ll be able to have a steady income. A hit-or-miss plan regarding your retirement income may prevent you from experiencing the type of joyful, stress-free retirement you have worked so hard for.

Ask yourself the following questions:

• Am I financially prepared to retire?
• How much income can I realistically expect from my savings?
• What sources of income should I draw upon and when?
• How do I know if my income will last? Or run out?
• How should I handle the rollover of my 401(k) plan?
• What about taxes, inflation, rising healthcare costs, low interest rates, and a fluctuating stock market?

Suzi Williams, the MEMBERS Financial Services Program Representative serving the Yakima Valley Credit Union can work with you to answer these questions and build a plan for your retirement income that allows you to live without worrying about whether you’ll outlive your savings. For more information, or to arrange a personal one-on-one retirement income planning consultation, call Suzi at 972-5472.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. No deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

 

For more information on any of the featured services please call 248-1720 (800-347-9222 outside the Yakima calling area), send an e-mail, or visit any Yakima Valley Credit Union location.