Archive for the ‘affinity credit union’ Category
I have a Visa Gift Card that I received for Xmas. I have had a successful time using Vanilla Visa Gift Cards and American Express ones as well, but this card I’ve received is giving me problems. Unlike the vanilla gift card, this one has ‘Affinity Federal Credit Union’ at the top of the card, so I was thinking that might have something to do with it, because all the information I enter on amazon was 100% correct.
Nah, it still doesn’t work. I went to the website and everything, and no matter where I use it, the stupid card doesn’t work. Ah well, guess I got jipped :p
did you activate it on there website thats what i had to do tit should be on the back of the card
College is one of lifes biggest expenses, but its also the best way to increase your earning potential. In fact, a college education can lead to a salary thats up to $20,000 higher annually when compared to salaries for workers who only have a high school education. Fortunately, there are ways you can lessen your financial load today so you can reap the rewards of a higher education tomorrow.
To qualify for financial aid, you first need to fill out the Free Application for Federal Student Aid (FAFSA). This form can be completed online and is used to help determine your households college contribution, based on income and assets. After youve submitted your application and received your award letter, you should begin applying for scholarships and grants.
If you still need money for school after receiving scholarships and grants, you should apply for government loans first. A popular option is the Stafford Loan which nearly all students are qualified to receive, regardless of need or credit history. Features include low, fixed interest rates, flexible borrowing limits, and payments that do not begin until after graduation. There are two types of Stafford
Loans:
• Subsidized loans are based on financial need and interest does not accrue on the loan as long as you are enrolled as a part- or full-time student.
• Unsubsidized loans are not based on financial need and interest begins accruing at the start of the loan.
If you still have a financial gap after applying for government loans, you may want to pursue private loans. These loans are offered though financial organizations and typically have higher interest rates than government loans. To find the right private loan for your situation, visit several financial organizations to see what each can offer. You should find out how much money you are able to borrow, the loans interest rate, and if payments can be deferred while you are in school. Also, ask about administrative costs associated with the loan and what options you have for repayment.
At Affinity Plus, you may qualify for the Student Choice Private Loan The advantages include one application for your entire four-year college experience, no administrative costs, low interest rates, deferred payment until after you graduate, a flexible grace period before payments begin, and the option to release the co-borrower after 48 months of on-time payments.
Affinity Plus also offers the Student Choice Line of Credit with features including low, fixed interest rates, tax-deductible interest, and low monthly payments. However, this option does not offer deferred interest and repayment begins as soon as funds are advanced.
Visit your local Affinity Plus branch location today for answers to your questions about college financing. Our financial professionals are available for one-on-one consultations and can help you create an individualized plan to pay for college. Well help you find the right loan options for your situation, says Hodenfield.
For more information about college financing, free workshops, or to make an appointment with an Affinity Plus Federal Credit Union financial professional, please call (888) 830-2280.
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Alex Collier speaks powerfully and engagingly at the Project Camelot AWAKE AND AWARE Conference in Los Angeles, 20 Sept 2009.
We were delighted and privileged that Alex accepted our invitation to make a presentation at the conference, though for security reasons he asked us to withhold his name from the speakers’ list until the conference had begun.
Alex talked in depth and with passion about the problems and challenges that we all face looking towards the future from 2009 – and introduces an intriguing new concept: mentoring in co-operation with our ET allies.
PROJECT CAMELOT
http://projectcamelot.org
.
Duration : 1:43:41
I bought a 93 civic about 6 months ago and I recently totaled it off during a blizzard by accident… I went to SGI it got written off for $3500 I got my cheque from them and when I went to the bank they tell me I cannot cash it because it is made out to me and Affinity Credit Union … Well I am only 17 years old and now some bank wants to take the full amount for an existing loan on the vehicle… This comes as a huge shock to me because I don’t know what I will do without a vehicle its just me and my mom living on our own and now we are without any sort of transportation… Is it not illegal to sell a vehicle and not let the buyer know that there is an existing lien on it? Is this not some sort of entrapment against me? So now the bank is asking me for there money… But now the thing that confuses me is that they are going to come after me for somebody elses debt… They even told me the name of the woman who owes the money so why are they not going after her and instead taking a 17 year olds money away? I am so confused and afraid I will lose all this money because I was tricked there was also 2 other previous owners before the woman with the lien on it owned it … I am from Canada are there any laws against this kind of set up to get away from debt? Also the lien has been on the car for 3 years. I hope I have given enough information for some help here. Thank you
people do it all the time.it should be illegal.the money trail also should stop at the person who got the loan.it doesnt,since the car is the collateral.yeah that sucks, your probably gonna have to sue.what a real dirty thing to do.
You may already know credit score basics, and how your score is used to help determine if you can get approved for a loan and which interest rates you qualify for. However, do you know it also affects your ability to get housing, insurance, and even your credibility with employers?
Your credit score affects many aspects of your life, so its important to have a clear understanding of how it works. Learning the five main components of your score is a good first step. Many people believe as long as they make on-time payments, their credit will remain in good standing, says Adam Elling, Member Advisor with Affinity Plus Federal Credit Union. Most people dont realize that a lot of other factors also affect it.
Below, Elling outlines the five main factors that are used to calculate your credit score:
•Payment history is based on your bill payment history over time. This includes but is not limited to credit card, mortgage, and utility payments. Keep your credit score in good standing by making consistent, on-time payments. But dont forget it only takes one late or skipped payment to blemish your record for up to seven years.
•Amount owed is determined by the amount of debt you owe versus the total amount of credit you have. For example, if you have $1,000 in credit card debt and a $10,000 limit, you are at 10 percent utilization. People sometimes believe they can max out their credit and make only the minimum payments without hurting their credit score, Elling says. The reality is, if you use more than 50 percent of your credit limit, you will likely see your score drop.
•Length of credit history demonstrates your financial stability and the ability to manage credit responsibly. Keeping credit accounts open for at least two years will positively affect your score. Length of credit history can also play a role if you are trying to reduce your number of accounts. For example, Elling recently helped an Affinity Plus member consolidate her credit card debt. Together, they decided to keep accounts that were at least two years old open and close the rest.
•New credit looks at the number of accounts youve opened recently, as well as your proportion of new accounts to older, established accounts. Also considered are the number of recent credit inquiries that have been made for your report. To maximize this portion of your credit score, its important to limit the amount of credit you apply for, therefore reducing the number of inquiries that are made for your report.
•Types of credit examines your current mix of debts, which may include credit cards, mortgage and auto loans, and retail accounts. Its important to have a good blend of credit, with limited revolving credit card accounts, because it shows youre able to manage a variety of credit types, says Elling.
Visit your local Affinity Plus branch location for a free copy of your credit report. A financial professional will meet with you, one-on-one, to review your report and answer your questions. We want to help you understand your credit report and how you can improve, and maintain, your score, says Elling.
For more information about credit score factors, free workshops, or to make an appointment with an Affinity Plus Federal Credit Union financial professional, please call (888) 830-2280.
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Eric Schmidt speaks at the Morgan Stanley Technology Conference on March 3, 2009 in San Francisco.
Duration : 0:41:43
Getting married is one of lifes most important milestones. However, before tying the knot, you and your partner need to have an honest conversation about your finances to make sure you are on the same page. Money can create a lot of discord if two people have differing viewpoints on how it should be spent and saved, says Debbie Bruns, Director of Branch Services with Affinity Plus Federal Credit Union. An open line of communication helps ensure a financially successful marriage.
Discuss financial goals: For example, try setting a savings goal together and decide how much each partner will contribute toward it each month.
Credit score: Learning your partners credit score can give you insight into his or her financial history and money management.
Prenuptial agreement: If one partner has significantly more assets than the other, a prenuptial agreement can be a smart move to protect each partners property.
Strategies to make your wedding a success
Work with a financial professional • Prioritize whats most important • Start saving now • Plan for the unexpected
Duration : 0:0:31
During the month of September, Affinity Plus will help you uncover myths surrounding savings and investing strategies. There is no better time to start saving then now, so visit onthemoneymn.com to learn how – no matter what your income is
Duration : 0:0:31
If you’re like most Americans, your trust in financial organizations started to crumble shortly after the economy did and as a result has left you wondering who to count on financially. In these difficult times, many of you have lost your job, put your child’s education on hold, postponed retirement or maybe just skipped a vacation. At Affinity Plus, we know the financial crisis has affected your life somehow. We can help you reach your goals no matter what the economic climate is, so you can have confidence in your future. Please call (888) 830-2280, go to www.onthemoneymn.com or visit one of the many Affinity Plus Federal Credit Union branches located throughout Minnesota to get help in taking charge of your finances.
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The Adventures of Carlene & Tyler…. Discovering the 5 Days Participants at the UofS
It was 2 am and after a long night of studying (aka. updating the 5 days FB page, twitter, etc.), we went to check on the participants sleeping. I must say that I am REALLY proud! It feels like its a lot colder this year than it was last year for me – keep truckin’ guys!
Anyways, Tyler & I hope you enjoy the video & the insight from outsiders that it gives to this AMAZING campaign!!! This also may be the start to a series of videos (CT show?) of us following the participants (stay tuned to the EBSS channel for actual blogs).
Remember to donate: http://www.5days.ca/saskatoon Food, Clothing and Money can be donated in the UofS Tunnel, Room 247 in the Edwards School of Business at the 5 Days Headquarters or at any Saskatoon Affinity Credit Union Branch. ALL PROCEEDS, FOOD & CLOTHING GO TO SUPPORT THE LOCAL SASKATOON YOUTH SHELTER EGADZ (http://www.egadz.ca)
Duration : 0:0:58