Texas Bay Credit Union
TexasBayCU.org | 713-852-6700September 11, 2018
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Does the 4 Percent Rule Still Work?
Does the long-trusted rule of thumb still hold up?

If you’re well along the road to retirement, you’ve probably heard about the 4 percent rule in some capacity. This guideline for making withdrawals in retirement has been confirmed through extensive …

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 …

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 …

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 …

FREE Mortgage Seminar
Saturday, September 22, 2018

Learn about buying a home in today's market and tips for success...


New Branch Coming Soon
Richmond Branch

Richmond Branch Coming Soon...

Blood Drives
October 2018

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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.

What to Do with All Those Photos You Took
Make the most out of your digital photos with these projects

You probably have hundreds of photos from your vacation, an event or just your daily activities in your digital photo album, but they don’t have to sit idly on your phone. You can use those photos to decorate your home or preserve those memories in a unique way.

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. NMLS#280545 
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