OPEN RANGE
First Quarter 2015
Frontier Financial Credit Union Newsletter
What To Really Look For When
Buying A Home
If you do enough research online about buying a home, then you may develop a checklist that you think is complete. Your list
includes checking on the roof, furnace, water heater and central air conditioning to make sure they are all in good, working
order. But there are details that every home buyer should look for before making the final decision that do not always show up
on the most popular checklists. You should add these items to your checklist to make sure that you are getting the best possible deal.
Ask For Roof And Furnace Receipts
If a homeowner really did have their roof and furnace replaced or overhauled prior to putting their house on the market, then
they will have the contractor receipts to prove it. Be wary of home sellers who insist that they did the work themselves or cannot provide receipts. Just because the seller says that the furnace is only six months old does not necessarily mean that it is
true.
If the home seller cannot furnish receipts, then bring a professional contractor with you to confirm that the work was done as
advertised. Your home is one of the single largest investments you will ever make. It makes sense to insist on proof that you
are getting what you pay for.
Move Rugs And Pictures
It is more of an annoyance than anything else, but sometimes home sellers will use rugs and hanging pictures to cover issues
with the walls and floors. Unless you intend on continuing the use of rugs and hanging pictures in those spots, then you will
need to check behind the pictures and under the rugs to see what is really there. -continued on page 4
In This Issue
 What To Look For When
Buying A Home
 Retirement Blunder #10
 Is Zero Percent Financing
Really The Best Deal?
 Love My Credit Union
Rewards
 Contact Information
 Financial Statistics
Upcoming
Seminars
Estate Planning from
Wall Street to Your Street
During this workshop, you’ll
learn techniques and methods
to overcome challenges you
face when planning your
estate.
Retirement Blunder #10
Have you procrastinated when it comes to
planning your retirement?
In my experience, the biggest mistake you could possibly make is thinking that a
savings account and a pension plan will get you through retirement, or thinking
that because you signed up for a 401(k) years ago, you’re all set. Many people
retire without planning, only to learn years later that their money is running out!
How to avoid this mistake …
Start planning for retirement NOW! Whether you’re five years away from
retirement, or you’ve already retired … it’s never too soon, or too late, to create a
plan. And there is no better way to see that you keep what you have and don’t
outlive your income.
If you have any questions, or if you’d like to speak with me about your retirement,
please feel free to call me any time at 775.225.9588. If your retirement date or
financial situation changes, would you please contact me via e-mail at
[email protected] and let me know?
Joanna Moran, Certified Financial Planner
Frontier Financial Network
Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Frontier
Financial Network, Frontier Financial Credit Union and Cetera Advisor Networks LLC are not
affiliated. Registered address: 5200 Neil Road Reno, NV 89502..
Not NCUSIF Insured-Not a Deposit-No Credit Union Guarantee-May Lose Value
-Not Insured by any Federal Government Agency.
Thursday—April 30, 2015
6:00pm
The Twisted Fork
1191 Steamboat Pkwy
Reno, NV 89521
Is Zero Percent Financing
Really Your Best Deal?
Undoubtedly you’ve heard about the “zero percent financing” offers that many auto
manufacturers have been promoting lately. Although they seem to be incredible deals
and are certainly enticing, you should read the fine print and know the facts before you
head to your local dealer.
Beware of Those Teaser Rates
Be sure to look for the
CUDL logo when shopping
at the dealerships.
Teaser rates have always been offered to drive more business to the dealerships but,
all too often, these offers are not beneficial to the buyer. Knowing what to look for, and
what questions to ask the dealer, will help you decide if zero percent is the best deal
for you. Here are a few of the facts and restrictions that may apply:
This logo signifies that the

Almost perfect credit may be needed to qualify for these offers
dealer can offer Frontier

You may be required to give up a manufacturer’s rebate
Financial Credit Union

It could mean shorter terms and larger monthly payments
financing.

It is usually offered on a limited number of models

You may be limited to dealer stock and not be able to choose the exact
vehicle you are interested in
Make sure to identify yourself as a Frontier Financial
Credit Union member and
ask for your financing
through the CUDL system.
Research Your Options
By using Frontier Financial Credit Union’s low percentage rate you are qualified to use
any rebates offered by the manufacturers— which means, this could be your best deal!
With the rebate, you are reducing the amount that you are financing even further.
Therefore, in combination with the credit union’s low rate, your overall costs are lower
than if you opted for the special factory financing.
Credit Union Financing at the Dealership!
Members of Frontier Financial Credit Union can take advantage of our low rates and
great service right at the dealership! Through our partnership with CUDL (Credit Union
Direct Lending) and local auto dealerships, members can now access financing decisions instantly—even when we’re closed. To research pricing information, review auto
shopping tips, locate a dealer, receive price quotes, or simply configure the vehicle you
would like to purchase, visit our website at frontierfcu.org and click on the Credit Union
Direct Lending logo or our Auto Resources page.
Love My Credit Union Rewards
Love your savings.
Everyone is looking for ways to save
money, and that's just what Love My
Credit Union Rewards is all about.
Frontier Financial Credit Union is excited to offer you, our member, exclusive discounts and
benefits on products and services you use every day. Credit union members have already
saved over $1 billion with Love My Credit Union Rewards discounts.
The more offers you take advantage of, the more you save. Start saving today at
LoveMyCreditUnion.org.
What To Really Look For When Buying A Home—
continued
It may just be cosmetic issues, but you will still have to invest money and time to fix the
Contact Us
Give us a call for more
information about our
services and products
Main Office
5200 Neil Road
Reno, Nevada 89502
Sparks Office
5362 Sparks Blvd
Sparks, Nevada 89436
775.829.2070
877.852.2481
CIMple Call Center
866.MYCUNOW
866.692.8669
Visit us on the web at
www.frontierfcu.org
problem when you move in. Repairing a small hole in the wall could mean patching the
hole and painting all of the walls in the room so they match. You will want to take that
into consideration when submitting your offer.
Another thing to consider when it comes to hanging pictures is the number of pictures
that a home seller has hanging. The nails and other implements used to hang pictures
Financial Statistics For Month Ended
January 31, 2015
leave marks on the walls and the pictures themselves will leave light areas when they
Shares……....………...
are removed. If you see a room with painted drywall and a lot of hanging pictures, then
Share CD...….………..
$1,335,076
plan on painting that room to remove the remnants of the previous owner's gallery.
Draft….…..……...…….
$15,271,428
Money Market..............
$13,709,716
Check The Water Pressure
Total Shares……..…....
$63,259,753
Loans…….…………….
$41,018,948
Investments….………..
$21,573,262
When you are examining a home that you want to purchase, turn on the kitchen and
$32,943,534
bathroom faucets and then run the shower. If the shower causes the water pressure to
Reserves…..…………..
$5,573,411
fall off considerably, then there may be a leaky pipe somewhere in the house. Bring a
Assets………………….
$69,520,408
professional plumber with you to make sure that there are no plumbing surprises waiting
Members……….……...
6,789
for you after closing.
When you are house hunting, you need to take every detail into account to make sure
that you are not overpaying for your next home. There are plenty of big items to look for
during your personal inspection of a house for sale, but the details are what will determine the true value of the home.
32006-NEWS-032015