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February 2019
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TruStage Home & Auto Insurance

TruStage(R) Auto and Home Insurance program is offered by TrueStage Insurance Agency, LLC and issued by leading insurance companies.  Discounts are not available in all states and discounts vary by state.  The insurance offered is not a deposit and is not federally insured.  The coverage is not sold or guaranteed by your credit union.  (C)TruStage Insurance Agency 2017.

AHE, AHL-932401.3

Holiday Closure

Mocse Credit Union branches will be closed on Monday, February 18, 2019 in observance of the Presidents' Day holiday.
Annual Meeting

Mocse's 60th Annual Meeting will be held on Thursday, February 28, 2019 at 5:30pm at 3600 Coffee Rd. in Modesto. Come meet your volunteers that serve on your Board of Directors and Supervisory Committee.
Should You Pay Down Debt or Save?
What’s makes better financial sense — saving or paying down debt first?

Should you put retirement savings first or is it better to be debt-free? Or is a combined effort your best plan of action on your quest for financial health and security?
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How to Plan Your Retirement Using Age Banding
Planning for the three stages of retirement

As you plan for retirement, two of the most important questions you can ask are “How much money will I need to maintain my standard of living?” and “How long will I need to live on that amount?” Age banding is a concept that can help you answer these questions with greater accuracy, enabling you to plan a more secure retirement.
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Add-Ons and Warranties: Are They Worth It?
Should you pay more for warranties or add-ons?

A car is a major purchase, and even with diligent saving and careful budgeting, most consumers will feel stretched thin when signing on the dotted line. So, it’s understandable that when questions of warranties and add-ons arise, you might feel overwhelmed.
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How to Prepare for Daylight Saving Time
Getting your body ready for the upcoming time change

With 2019 underway, your thoughts are likely already turning to the start of spring and the return of warmer weather. Before you can bask in the sunshine, there’s one bridge you’ll need to cross: daylight saving time.
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The History of Mardi Gras
Mardi Gras tradition traces deep roots

In cities around the world, and particularly in New Orleans, Mardi Gras fills the late days of winter with colorful revelry. If you’ve ever wondered how this annual tradition got its start, here’s a look at the roots of the holiday and how it developed in the United States.
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Tips for Deep Cleaning and Organizing Your Fridge
Keep your fridge clean and tidy with these tips

Your refrigerator is an essential and hard-working appliance in your home. If it’s a gross mess, it’s degrading the quality of your food and putting you and your family at risk.
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Mocse Credit Union      3600 Coffee Rd., Modesto, CA 95355       209-572-3600

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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