Banks for You!

Planning for one’s own death can be a bit of a morbid experience, but it should be considered as an act of love to your friends and family. You’re facing your own mortality in order to ease the burden on your family if the unfortunate were to happen. Everyone should have a will to handle their financial matters, a living will to handle their medical matters, but there’s one more thing we all need to have. It’s called a letter of final wishes. This document is generally written to the executor of the estate, your spouse, and your children. It will usually contains things that your will and living will won’t cover. Setting up a letter of final wishes is extremely easy to do. All you really need to do is type it up, print it out, have it notarized and let people know where it’s at.

In your letter of final wishes, you should discuss what you want for a funeral and burial arrangements. Do you want to be cremated, or put in the ground? Is there a certain person you want to perform your funeral? How much money do you want spent on your funeral? Where do you want to be buried at?

You’ll also want to note where your loved ones can find your financial documents. This is where Read Full Post…

Oceanside Christopher Credit Union is also known as “The Catholic Credit Union.” They offer a variety of affordable financial products and services for members to ensure great financial well-being. Today, Oceanside Christopher Credit Union is offering a 12-month CD rate for 1.02% APY.

In order to be eligible for this CD rate, there is a $1,000 minimum to obtain the stated APY. Rates are subject to change at any time. Early withdrawal may result in a penalty. Please contact Oceanside Christopher Credit Union directly for more information regarding this account.

Oceanside Christopher Credit Union is a not-for-profit financial cooperative that aims to provide all members with access to affordable deposit and loan products. In addition to their traditional banking options, Oceanside Christopher Credit Union also provides Online Banking for members who prefer convenient and easy access to their finances. With Online Banking, you can access your accounts during any time of the day from wherever you wish. Be sure to also check out Oceanside Christopher Credit Union’s Business Services for all your professional financial needs. Visit

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The checking accounts that were the main component of the financial mainstream seem to have undergone some radical changes in the recent times. Now banks are making a shift towards the business models which have been embraced by the airlines, where a product is unveiled and new fees is being added as and when required even on services that were already present.

What is worse is that consumers may be unaware about the fees that they might be charged until much later. As per the new study that was conducted by the Pew Charitable Trust, it was found that most of the disclosures on checking accounts consisted of 111 pages on an average. There was also lack of transparency with regard to the fee information. Even the research conducted by the watchdog group US PIRG had come to a similar conclusion. Only a very small percentage of the banks actually provided information that was accurate.

During the study, it was noted that at least 23% did not give the proper fee schedule and the remaining 20% gave information that was inaccurate, stated Ed Mierzwinski, Consumer Program Director.

One of the most visible charges on the checking accounts is the monthly maintenance fee that has been implemented by the biggest regional as well as the national banks.

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Now’s the time to take advantage of a competitive 6-month CD rate from Maspeth Federal Savings. Currently, the financial institution is offering its short-term CD at a rate of 0.60% APY.

In order to be eligible for this CD rate, you must maintain a balance of at least $1,500. 6-month CD accounts from Maspeth are not compounded continuously. Instead, they are calculated as simple interest. There is a penalty for early withdrawal on any certificate account you open. Also, substantial early withdrawal penalties may apply on tax-deferred instruments.

Maspeth Federal Savings opened in 1947 with the goal of operating as a traditional savings and loan association. Currently, the institution offers deposit accounts, loans, online banking and 40,000 surcharge-free ATMs worldwide. Maspeth Federal Savings dedicates much of its efforts to serving the community. To learn more, visit one of Maspeth’s branches located in New York.

With the prices of everything from food to gasoline increasing significantly each year, many people are concerned with saving as much as they can when purchasing the items that they need.  There are many different ways that can be used to save money on merchandise and clothing.  Some are so easy that they can be accomplished in a matter of minutes while other methods take slightly more time, but all will help you save 25% or more on your purchases.

Only Purchase Items That Are On Sale

The simplest method of ensuring savings when shopping is to limit yourself to purchasing items that are on sale only.  Retailers generally place a selection of items on sale in their stores in the hopes that purchasers will buy some non-sale items that create a profit for the store as well.  Sale items are often spaced widely apart, ensuring that the purchaser must walk past many non-sale items to get to the items that they are looking for.  Limiting your purchases to only the items that are on sale will ensure that you are not purchasing these higher priced items on a whim and will reduce the amount spent in the store by a significant amount.

Use Store And Manufacturers Coupons

There are many retailers and manufacturers that issue coupons for their merchandise in the hopes that people will use the coupons, try their products, and become regular customers.  These coupons may be for a specific amount or for a percentage of the total amount and will have specifics listed for what the coupon can and cannot be used for.  The coupons can be found in a variety of locations, including the online website of the retailer or the manufacturer, in mailings sent to the home, or in local newspapers.  Coupons can be found for many products and services, so a quick check for coupons before shopping can help you save 25% or more on your purchases.

Buy Off-Season

Items that are not the newest “in” thing can often be had at a significant discount when purchased during times that they are not in high demand.  For example, waiting until the fall to purchase patio furniture can result in a savings of 50% as retailers attempt to sell the items that did not sell during the normal patio furniture shopping seasons of spring and summer.  Purchasing a bathing suit near the end of summer instead of in the spring when the new styles are first released can result in savings of 40% or more.