Saints Margaret and Gregory Federal Credit Union
Volume 1, Issue 10
November 2014
Note from the Manager,
Special points
of interest:
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We are currently
selling Malley’s
Candy Bars for $1.
With Thanksgiving, Christmas, parties and family functions there is a lot of clutter in our
minds. With so much clouding your head as well as ours remember our services that may come in
handy. We have a Quik Loan for $500.00 or a Personal Loan if you’re in need of holiday money.
Check out the inspiring articles currently in this newsletter whether it’s helping people interested in
buying stocks or the problems of payday loans. Ending on a happy note, read the article on
successful people. No matter what is going on in your life remember that we are here to help make
banking easier and fun.
Happy Holidays!
Karen Helbig
Grab your Our Town
and All Around
booklet of coupons
for $28.
Come in around
Christmas and
receive a small thank
you token.
Set up your Direct
Deposit w/ us today!
Car and Truck Loan Rates: Rates as Low As:
2015 – 2012:
1.99% A.P.R. for 60 Months
2009 - 2007:
3.25% A.P.R. for 60 Months
1.74% A.P.R. for 60 Months (W/ 20% down)
2.99% A.P.R. for 72 Months*
2006 - 2005:
3.50% A.P.R. for 48 Months
2011 – 2010:
2.24% A.P.R. for 60 Months
1.99% A.P.R. for 60 Months (W/20% down)
Fund It.
2004 & Older:
3.75% A.P.R. for MAX term of 42 Months
Spend It.
Personal Loan Rates
10 Stocks to look into for the next 25 years.
Rats as low as:
3.00% A.P.R. for 18 Months.
5.00% A.P.R. for 24 Months
7.75% A.P.R. for 36 Months
7.75% A.P.R. for 48 Months
*Amount based on Credit Score
w/ max amount at $7,500.
For those who are interested in dealing
with stocks as a way to make investments a
recent article by John Melloy from CNBC wrote
on 10 stocks that are worth while to look into.
At the top of the list is Facebook, still
dominating social media it’s no surprise to see
Mark Zuckerberg’s company coming in 1st.
Following in second is an unknown company to
most in the United States is Alibaba. John
Melloy writes that the company has, “a market
value north of $250 billion”. Not in the United
States market Alibaba is a Chinese online retail
giant that should not go unnoticed to investors.
The rest are nothing less exciting than Facebook
or Alibaba. 3. Google, 4. Apple, 5. Tesla, 6.
Nike, 7. Edwards Lifesciences, 8. Carnival Corp.
9. Align Technology, 10. Veolia. Investing in
stock is something everyone should consider but
always proceed with caution. Ask a financial
institute if they have a go to person on helping
people pick and choose stocks as well as guide
them in how to make smart choices on keeping
and selling stocks. Whether it’s Facebook or
Apple, these are just the top companies to watch
for as they continue to change the way we live.
The CARFAX Vehicle History Report
Every CARFAX Vehicle History Checks for:
1. Vehicle Registration
4.Total Loss Accident Report
2. Title Information
5. Recall Information
3. Lemon History
Sick of Pay Day Loans?
Come Check out our: Quik Loan
6.Vehicle Issue and much more!
The Reign of Payday Lenders May Soon Be Over
It’s time to get serious according to the article by Mandi Woodruff in Yahoo Finance, “Since the spring,
Up to $100.00 to $500.00
the Consumer Financial Protection Bureau has been working on a set of rules that could for the first time im-
$25 fee for each advance
pose nationwide regulations on the payday lending industry as a whole. Meanwhile, State regulators have
No Credit Bureau Check
redoubled their efforts to crack down on the growing predatory practices of payday lenders as they increasing-
A Fixed 18.00% A.P.R. Interest
Rate
ly move from traditional neighborhood strip malls to the Internet”. For many, payday loans have been there to
Income Verification Needed
90 days of Direct Deposit
Auto Withdrawal needed for
payment.
6 Months to payoff
Stop letting payday loans take
advantage of you.
get them out of a sticky situation when they were short on cash but the consequences on not being able to pay
the amount back in 14 days could become severe. According to Woodruff, in States that don’t cap payday
loan interest rates, lenders are free to charge as high as 400% interest on unpaid loans. And when borrowers
can’t pay, lenders can resort to aggressive tactics to recoup the money: they’ve been known to harass borrowers at work (illegal), take the money directly out of their bank accounts without notice (also illegal), and
threaten to have them arrested (spoiler alert: illegal)”. So what can people do to stay away from using payday
loans? Check out your financial institutions on what they offer as a way to have the money you need.
What 13 Successful People Do Before Going to Bed
“The very last thing you do before bed affects
your mood and energy level the following day,
since it often determines how well and how
much you sleep”.
Bill-Pay
More than just paying your bills
online. With the holidays coming
around, Bill Pay is a great way to
send money gifts to family and
friends who live out of State.
All you have to do to get started is:
1. Make sure to have a checking
account with us.
2. Sign up for Home-Banking at
the office.
3. Access the link for Bill-Pay
through your Home-Banking page
In the fast pace of life we forget about
what really affects our sleeping habits and
our general outlook on life. Business
Insider’s Jacquelyn Smith and Vivian Giang
writes about what 13 successful people do
before they fall asleep.
At the top of the list is Barack Obama
who “is said to hold conference calls with
senior staff as late as 11 p.m. and reads
or writes before heading to bed”. As way to
get others to find their niche on when they
are the most productive Smith and Giang
offer Benjamin Franklin as the second
person.” In his autobiography, Franklin
outlined a schedule that would lead him to
‘moral perfection.’ In this ideal
schedule, Franklin asked himself the same
self-improvement question every night:
‘What good have I done today’?" Another
1499 Dean Drive, South Euclid, OH 44142 - PH (216) 691-0242 -
FX (216) 691-0435
note worthy person on the list is Bill
Gates who is quoted to have said, "I read
an hour almost every night. It's part of
falling asleep." Each and every person
on the list ranges from odd quirks they
do at night to a system of detaching
themselves from the phone.
Yet Smith and Giang are not just
suggesting that by picking up these 13
successful peoples bedtime habits that
it will increase your own success but are
merely hinting at the thought that,
maybe we all need to consider what is
the last thing we do at night. In my own
case it’s random and never consistent
on what is the last thing I do before I go
to sleep but perhaps that’s the point of
the article. So tonight, make a point to
make a system of good thoughts and
relaxation in whatever way works for
you; because who wants to wake up
negative and grumpy.
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