Why Throw Away Your Money? Save with Sprint!

Join the over 1.2 Million credit union members nationwide that are already saving over $124 million on their wireless plans!  Hopewell Federal Credit Union is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.

Ways you can save:

  • 10% off* most regularly priced Sprint individual service plans
  • 15% off *most regularly priced Sprint business service plans
  • Waived activation fee on new activations
  • Waived upgrade fee
  • Available to new and existing Sprint customers

Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive.

3 Ways to Get Your Discount:

–   Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save

–   Click http://www.SprintSave4CU.com

–   Visit your nearest Sprint store

What are you waiting for? Start saving today!

*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade.

All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

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CREDIT UNIONS BUILD A BETTER WORLD: INTERNATIONAL CREDIT UNION DAY

October 20th, 2011 – 9am-5pm

An all day celebration will begin Thursday, October 20th, 2011 at 9am when Hopewell Federal Credit Union invites you to join us for International Credit Union Day.

At some point, you’ve probably wondered what the difference is between credit unions and other financial institutions. In reality, many differences exist, but the short of it is this: Credit unions exist to help people, not to make a profit.  As financial cooperatives, credit unions are much more than money lenders and holders. Like all cooperatives, we stand for the power of people helping people. Credit unions are prime examples of how the cooperative spirit transforms individuals and advances communities, the first steps toward building a better world.

Join us and allow us to thank you for helping to make this world better by being a credit union member.  We’ll have special treats all day, a coloring contest for the kiddos and Kirby Kangaroo will be making appearances throughout the day at both offices!

9am-11am – Coffee & Donuts

11am-5pm – Hot Dogs on the Grill prepared especially for you at the Heath location by Marvin Oneson, CFO and Jarod Mallory, Lending and Retail Manager and at the Newark location by Trish Snodgrass, Branch Manager.

Shield Yourself From Swindles

Fraudsters take advantage of innocent consumers daily through checks, ATM, and Internet scams, and they’re using the latest technology to pull off their scams. Know the latest trends to protect yourself.

Phishing scams
Phishers send fraudulent e-mails containing authentic looking logos and graphics and ask for financial information. Some scams are activated when you simply open an e-mail, no clicking required. Once infected, the scammers change the IP address in your PC’s hosts file to their choosing, associates the IP address with financial institution websites, and forces your browser to go to fake websites.

Tip: Change online banking and shopping account passwords every three to six months. To avoid being led to fraudulent websites, retype Web addresses in your browser rather than click through e-mail links.

Check scams
Fraudsters increasingly use e-mail to contact victims, and the most common check scam is the “Nigerian Advance Fee Fraud.” You’re told you’ll be sent a check for an extra sum and you’re asked to wire back the excess money. Scammers purport to be from other countries and claim you can collect on a sweepstakes or pay you to work at home. The realistic-looking checks are forgeries, but victims are responsible for money withdrawn against bad checks.

Tip: Don’t send refunds or deliver goods in the time it takes cashiers’ checks to clear.

ATM scams
Skimming is one of the newest ATM scams. Using a skimmer–a card-swipe device that reads your ATM card–the fraudster uses a blank card to encode information from your ATM card and create a counterfeit. Your PIN is confiscated through a small camera mounted on the ATM. You won’t know you’ve been scammed because your ATM card hasn’t been stolen and still works at other machines.

Tip: Be on the lookout for anything out of the ordinary at the ATM, such as odd-looking equipment or wires. Monitor accounts regularly for unusual activity.

If you’ve been scammed, contact the financial institution Hopewell Federal Credit Union and the Federal Trade Commission at www.ftc.gov.

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

Build Your First Budget

Congratulations! You’ve got your first place, a new job, and money coming in each month. There’s only one problem: It’s never quite as much money as you’d like, is it? Managing your own income and finances for the first time can seem overwhelming, but it’s essential to get off to a smart start. Creating a “plan to spend” instead of spending without thinking is the key to long-term happiness and short-term calm.

To build your first budget after graduation, list your income from all sources first. Next, record your monthly and yearly expenditures, starting with your biggest items, like rent, student loan payments, and car payments.

Be honest with yourself about the difference between needs and wants, and categorize them appropriately by listing your needs first when you budget. Elizabeth Warren, White House adviser and co-author of “All Your Worth,” advocates a 50-20-30 strategy to allocate income. Put 50% toward needs such as rent and transportation, 20% to savings for retirement and emergencies, and use 30% wants such as travel and entertainment.

While using resources like online websites Mint.com, Quicken, or a spreadsheet can be helpful, they aren’t necessary. It’s more important to keep the budget simple, to be realistic, and to adjust it regularly as needed. Allow for budget busters like car maintenance and fees that only need to be paid yearly instead of monthly.

Give your budget time to work. You might find it difficult to meet your saving goals immediately but, over time, you’ll make progress as you continue to track income and spending. Finally, keep your bigger financial goals in mind as you work to stick to your budget each month.

Come to Hopewell Federal Credit Union for help creating and sticking to your first budget.  Another great tool, visit http://anytime.cuna.org/25934/index.php to view the Anytime Advisor for a fantastic online credit advisor. 

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

iPad, Netbook, or Laptop: Which to Choose

Weigh your options before choosing Apple’s “tablet” computer, the iPad vs. a regular laptop or netbook.

In a Wall Street Journal personal technology column (http://ptech.allthingsd.com/20100331/apple-ipad-review/), Walt Mossberg made a comment that rang true with most reviews: “The iPad is a better device for consuming content than creating it.” But, Mossberg went on to say that “The beautiful touch screen device has the potential to change portable computing and to challenge the primacy of the laptop.”

So, if all you need to do is check e-mail, surf the Web, listen to music, play games, take notes, and read content, this device is what you need. If you need to do heavier computing work, you might want to look at other options.

If you need a more flexible compact device that allows you multitask, netbooks—small laptop computers with 10-inch to 11.5 inch screens—are another option.

“Diehard Apple people will buy the iPad, but I think everyone else will find they are better off with a conventional laptop,” says Heath Skarlupka, a systems administrator at the University of Wisconsin-Madison.

Netbooks (ranging from $250 to $500) are generally cheaper than the iPad ($499 to $829) and netbooks usually have more processing power.

Keep in mind that small laptops and the iPad are really meant to fill a niche as a secondary computer. Most of them have an adequately sized hard drive as long as you don’t use it as your only file storage device.

“They’re not meant to be a repository for all of your media,” says Skarlupka.

When making the decision about which device to purchase, take into account hard drive size and capability, how you’ll use the device, flexibility and availability of additional software, and whether you’re getting the features you need for the purchase price.

And if you need a little help financing either device, Hopewell Federal Credit Union can help with a short-term, low-rate loan. Call today at 740.522.8311 or check our website at http://www.hopewellfcu.org for more information.

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.