September 2018ihecu.com - 937.390.1800



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The Pros and Cons of Multiple Savings Accounts
Reach your financial goals faster by diversifying your savings


Depending on your spending and saving habits, having multiple accounts can make it easier to increase your savings. Explore the benefits and drawbacks to having multiple savings accounts to see if …
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Determining Your Car-Buying Budget
Avoid overspending by calculating your monthly budget ahead of time


Buying a new car is an exciting process, especially when you’ve been saving and waiting for the right one to come along. Cars are an expensive investment that take time and consideration. Before you …
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Is Pet Insurance for You?
Consider protecting your pet from the unknown


Pets have both regular and unexpected medical costs, and like humans they can have medical insurance to cover the expenses. Is this form of insurance right for you and your pet?
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Guide to Investing in Your 40s
How to prepare for retirement even with a late start


In your forties, investing in your future should be one of your top priorities. Even if you made saving a main concern in your twenties, you may still find it useful to reassess and redouble your …
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Factors That Influence Your Home's Value
Four factors that impact the value of your home


Your home will probably be your greatest financial investment, and doing what you can to protect that investment it is a constant effort. The best way to understand how value works when it comes to …
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Taking Out a Loan When Your Savings Fall Short
Should a personal loan cover your financial needs in an emergency?


Ideally, you would never need more money than your savings allow. However, a sudden problem such as a medical emergency or high credit card debt could place a demand on your finances beyond what …
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Holiday Closings

Columbus Day

Monday, October 8th


How to Create a Food Budget
Frugal grocery-buying strategies to minimize monthly expenses


While food expenses are a necessary component of any monthly budget, there are practical ways to reduce food costs. Get the lowdown on creating a monthly food budget, as well as other steps you can take to stick to personal savings goals in this area, in this article.
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Make Yardwork Fun This Autumn
Transform your outdoor chores into fun this fall


These tips should serve to make your autumn yardwork a bit more fun, which will help the tasks to fly by. With your to-do list including weeding, fertilizing, mulching, planting, trimming and preparing for winter, autumn is quite a busy season for yardwork.
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Back to School Lunch Ideas
Healthy school lunches that are easy to pack


As summer comes to an end and your kids get ready to stretch their minds again, you have to start planning lunch ideas to serve as fuel halfway through the day. These healthy and easy back to school lunch ideas ensure that you have one less thing to worry about as the school year begins.
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The 5 Best True Crime Podcasts
These five true crime podcasts feature deep reporting, expert storytelling


True crime podcasts are habit-forming: once you’ve listened to one, you’ll want another. With so many options to choose from across all podcasting services, it might prove something of a challenge to narrow down your next choice.
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What to Know When Buying or Building a Fire Pit
Tips to help you buy or build the best and safest fire pit possible


By incorporating a fire pit into your outdoor decor, you can spend more evenings roasting marshmallows, telling stories and enjoying time together with friends and family all from the comfort of your own home. Because this involves having open flames close to your home, you’ll want to be certain that you follow certain necessary precautions before buying or building your own fire pit.
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Published by IH Credit Union
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.


 
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