Make Saving A Habit

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Welcome and thank you, Officer Culianos! Stay safe!

Welcome and thank you, Officer Culianos! Stay safe!Join us in welcoming Officer Anthony Culianos to Nanuet! Officer Culianos is the new School Resource Officer (SRO) at A. MacArthur Barr Middle School. He has been with the Clarkstown Police Department since 2014 and is now part of the #NUFSD family! #newtonanuet ... See MoreSee Less

11 hours ago

4 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

💙👮‍♀️💙👮‍♀️💙👮‍♀️💙👮‍♀️🙏🙏🙏💙💙💙

Congratulations Lord PLZ keep him safe in this cruel world💙🫡🙏🙏🙏🙏🙏🙏💙💙💙🫡🙏🙏🙏🙏

Welcome,be safe

Thank you!
#PinkPatchProjectImage attachmentImage attachment+3Image attachment

Thank you!
#pinkpatchproject
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11 hours ago

1 CommentComment on Facebook

Thank you from a Breast Cancer survivor...God survivor...God Bless you all......

Thank you!
#PinkPatchProjectImage attachment

Thank you!
#pinkpatchproject
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12 hours ago
Thank you!
#PinkPatchProjectImage attachmentImage attachment

Thank you!
#pinkpatchproject
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12 hours ago

Thank you!
#pinkpatchproject
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12 hours ago
Hello and thank you, K-9 Vita! Stay safe!

Hello and thank you, K-9 Vita! Stay safe!We are excited to introduce our newest partner in crime-fighting: Meet K-9 "Vita" from the Czech Republic, who specializes in drug detection. Let's give her a warm welcome! #toledopolice ... See MoreSee Less

12 hours ago

3 CommentsComment on Facebook

💙💙💙💙💙💙🙏🙏🙏🙏🙏💙💙💙

Hi there Gorgeous ! Stay Safe and watch over Your Partner / Handler.🐶🖤💙🖤💙

💙💙💙👮‍♀️👮‍♀️🐺🐺💙💙👮‍♀️👮‍♀️🐺💙👮‍♀️👍👍👍👍💙💙💙💙💙🙏🙏🙏🙏🙏

This is so precious!!!!
Stay safe, K9 Jocko! and K9 Officer Prichard!

This is so precious!!!!
Stay safe, K9 Jocko! and K9 Officer Prichard!🐾👮‍♂️ Exciting Adventures with K9 Jocko! 📝💪

Check out this pawsome pic of K9 Officer Prichard with our incredible K9 Jocko! 🐶⚡️ This dynamic duo just proved that Jocko is more than just an amazing apprehension and narcotics detection K9, he's also an emotional support pup for his handler! 🥰

In this photo, you can see K9 Officer Prichard holding Jocko's paw while typing up a police report. Jocko knows that writing reports can be tough, so he's right there by his handler's side, providing that much-needed support. Talk about teamwork! 👏🙌

We're incredibly grateful to have such a talented and caring K9 like Jocko on our force. He's always ready to lend a helping paw and make a positive impact in our community. Together, K9 Jocko and Officer Prichard continue to keep our streets safe and bring smiles to our faces. Good boy, Jocko! 🐾💙

#k9handler #k9jocko #teamworkmakesthedreamwork #emotionalsupportpup #plainfieldpd #havingfun
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12 hours ago

3 CommentsComment on Facebook

💙🫡🫡🫡🙏🙏🙏🙏💙💙💙💙💙🫡🙏🙏🙏

Beautiful Thank You

Awwww

What a beautiful picture of a very special moment! Congratulations and thank you both!! Stay safe!

What a beautiful picture of a very special moment! Congratulations and thank you both!! Stay safe!From the New Port Richey Police Department. Like father, like daughter! Officer Negersmith is following the footsteps of her dad, who has spent his entire career in law enforcement. An affinity for policing seems to run in the family. ... See MoreSee Less

2 days ago

8 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

Salute💙🫡🫡🫡🙏🙏🙏🙏🙏💙💙💙

Awesome stat safe 💙

👏🇱🇷

Be safe and thank you 🙏🙏🙏

Be safe and thank you 🙏🙏🙏

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Thank you, #Hero!

Thank you, #Hero!Night side Officer Roman was happy to reunite an important family member with their family tonight ... See MoreSee Less

2 days ago

3 CommentsComment on Facebook

Awesome👏👏👏👏👏👍😊

Good Bless you

Congratulations!

Congratulations!Congratulations to the South Suburban Association Chiefs of Police 2023-2024 Executive Board Members! #NOBLEProud ... See MoreSee Less

2 days ago
Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!Last year these three chose to fill out an application and toss their name into our candidate pool. Jump forward to today, they have completed their Field Training Program and start solo patrol, serving our awesome community. Congratulations to Officer Talg, Officer Frick and Officer Shoemaker. Thank you for choosing #Wausau! ... See MoreSee Less

2 days ago

1 CommentComment on Facebook

Congratulations 🎊

Welcome and thank you, K9 Batman and Officer Dillard! Stay safe!

Welcome and thank you, K9 Batman and Officer Dillard! Stay safe!Meet K9 Batman! K9 Batman is a German Shepard mix and is approximately 2 years old. His handler is Officer Dillard and he is one of our new Greene County Jail K9s.

K9 Batman is also featured on our newest Greene County Jail K9 Swag! This apparel can be purchased from The CrackerJack Shack using the link below!

www.crackerjackshack.com/gcsok9

This is a pre-sale. Orders will be produced and shipped after the selling period ends. A portion of every sale goes to the Greene County Sheriff’s Office K9 Unit.
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2 days ago

5 CommentsComment on Facebook

Salute💙🫡🫡🫡🙏🙏🙏🙏💙🫡🙏🙏

❤️

Ty

Looking Good. Now, Go get the Bad Guys and find all those Drugs.

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Welcome, K-9 Havik Officer Stockdale! Thank you! Stay safe!Image attachment

Welcome, K-9 Havik Officer Stockdale! Thank you! Stay safe! ... See MoreSee Less

2 days ago

5 CommentsComment on Facebook

Welcome! Congratulations on your new job! Stay safe!

Salute💙🫡🫡🫡🙏🙏🙏🙏🙏

Awesome duo 💙

Awesome

Beautiful 😍

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Rest in Peace, K-9 Rico. Thank you for your service, #Hero 
💙🐾Image attachment

Rest in Peace, K-9 Rico. Thank you for your service, #Hero
💙🐾
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2 days ago

4 CommentsComment on Facebook

So very sorry for ur loss💔may he rest in eternal peace over the rainbow bridge🙏🙏🙏🙏🙏💔💔💔

😢🙏🇱🇷

Thank you for your service. Rest in peace.

RIP Rico

Congratulations! Thank you! Stay safe!Image attachmentImage attachment+7Image attachment

Congratulations! Thank you! Stay safe! ... See MoreSee Less

2 days ago
Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!The Lovington Police Department would like to extend a warm welcome and introduce Officer Berenice Vega to our community.

Officer Vega was born in Jerecuaro Guanajuato, Mexico and came to the United States when she was 9 years old. Officer Vega graduated from Lovington High School in 2017 and was granted citizenship in 2018. Officer Vega will begin our Field Training Program and attend the Southeastern New Mexico Law Enforcement Academy at a later date.

We are delighted to have Officer Vega join our ranks at the Lovington Police Department!
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2 days ago
Thank you for 33 years of service!!Image attachmentImage attachment+5Image attachment

Thank you for 33 years of service!! ... See MoreSee Less

5 days ago

6 CommentsComment on Facebook

Thank you Sir for your service to your community..... Enjoy your retirement... God Bless you and your family.....

Congratulations

👏🇱🇷

Salute💙🫡💙🫡🙏🙏🙏🙏🙏💙💙💙💙💙🫡🫡🫡

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Thank you, SRO, Private Chestnut! Stay safe!

Thank you, SRO, Private Chestnut! Stay safe!Congratulations to our newly promoted School Resource Officer, Private Chestnut. Thank you for keeping us safe and mentoring our students. We appreciate you!
#schoolrescourceofficers #eastpointsc
West Columbia Police Department
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6 days ago

8 CommentsComment on Facebook

👏🇱🇷

Salute and Honor

Congratulations

Thanks prayers stay safe and well in Jesus name

Congratulations 🎊

Congratulations!!!👮🏿‍♀️👍

Congratulations lord keep her n r kids safe in this cruel world🙏🙏🙏🙏🙏🙏🙏💙🫡🫡🫡🫡💙💙

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Way to go, K9 Freddie!! Thank you!

Way to go, K9 Freddie!! Thank you!🎵"Another One Bites the Dust," 🎶by Freddie Mercury. Dog of the month, Madison, WI Police K9 Freddie is still in his rookie year. Of course the old veterans can be counted on...but with a new pup (and a new handler!), there is always a bit of doubt until they prove themselves in the field.
On K9 Freddie's first search warrant assignment - his SECOND call ever in his young career - he was asked to bring his nose to search a house & garage.
He immediately indicated on an old can of paint in a very messy garage. Officers were skeptical; the weight of the can didn't seem to match his response. But, "Trust Your Dog" is a maxim to live by. When they opened the can, they found a kilo of cocaine, wrapped tightly in plastic bags!
Hiding drugs in old paint cans is intended to mask the smell of the drug. Ha! Rookie Freddie was not fooled for a second. Home run first time at bat. Welcome to the team Freddie!

Madison Police Department Keeping K-9s in Kevlar #k9freddie #freddiemercury #whatanose #rookieyear #anotheronebitesthedust #berbeewalsh #trainhardworkhard #fieldtested #passedthetest #teammember
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6 days ago

4 CommentsComment on Facebook

Beautiful dog

job well done Freddie....stay safe and long prormising life for you and your partner

Great job,K-9 Freddie! ❤️❤️

Besutiful salute💙🫡🫡🙏🙏🙏🙏🙏🙏💙💙💙💙

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Make Saving A Habit

It is possible for you to save money even if you feel as though you live paycheck to paycheck and your wages are totally committed to paying your bills.  Saving money is a matter of habit not finances.

If you allow yourself to believe that saving money is a habit and that habits are derived from your own mindset, you will overcome the main obstacle you face in beginning to accumulate a savings account.  If you continue to believe that your ability to save is only a product of the amount of your income, you are thinking like a victim and not like someone who makes your own choices and takes charge of your own financial destiny.

Remember that stress, particularly stress associated with your finances, is only created from what you do not understand or what you cannot control.  You can absolutely take steps to better understand and control your finances and become a saver.

There are multiple ways that you can begin effective saving habits regardless of your level of income and without necessarily needing to make more money.  They include, but are not limited to direct deposit, proper withholding alignment, contributions to employer sponsored saving plans, and Roth IRA’s.

The most basic form of saving is the establishment of a regular savings account at your local credit union or bank.  Credit Unions will typically provide you with an easier route to a savings account because they very rarely charge fees or impose limitations, whereas most banks will require minimum balances and/or restrict usage and charge fees if you do not meet those requirements.

One way to start a savings account is to set up a direct deposit into the account straight from your paycheck.  This simple step can many times mean the difference between being a saver and being a spender.  While some of us will tend to spend money we do not have, most of us will find a way to live within our means.  If your money is taken out of your check before you receive it, it is much easier not to spend it.  While you will still have access to it, the mere fact that the money is not sitting in your checking account ensures that you will need to take additional action to use those funds.  If you are not currently a saver or if you are convinced that you need every cent of your wages to pay bills and cover your spending needs, start small.  Take $10 out of your paycheck through a direct deposit to your new savings account and forget about it.  You might be surprised how easy it is and because you are setting your own savings goal, there is no need to feel any pressure to increase the amount or reach a certain savings level.  At this stage, it is important just to concentrate on the act of saving, no matter the amount you save.

If you find that you are struggling even to identify $10 of savings in each paycheck or if you are looking for ways to increase your savings, take a close look at your income tax withholdings.  If you are committed to saving, your money is always of more use to you in your own hands than that of the government.  Many people routinely overpay their taxes during the course of the year and look forward to a refund the following year.  While you could make an argument for the validity of this option as a forced savings plan, keep in mind that the government does not pay you interest while holding your money.  Properly aligning your withholdings with your real tax liability is yet another step toward taking charge of your finances.

Another key to making saving a habit is to contribute to your employer sponsored savings plans, whether they are of the 401(k), 403(b), or 457 varieties.  Doing so creates another avenue of saving that takes place before you receive your check.  This type of savings contribution uses pre-tax income so that when you begin contributing you receive the additional benefit of reducing your income tax liability.  In fact, of all of the ways in which you can save, this is the most advantageous regardless of the amount of your income or the size of your contribution.  Not only will you benefit from saving on a pre-tax basis, but many of these plans include provisions for employer contributions as well.  As you save and your employer contributes to your account, your savings will grow tax-free.  Because of this, this type of saving will also provide you with the most immediate and meaningful results.  It is an excellent way to build wealth in preparation for your retirement and the younger you are when you start to contribute, the more money you will have when you typically will need it the most.

An additional alternative is to open up a Roth IRA savings account.  IRA is an acronym for Individual Retirement Account, of which there are many different types.  The Roth IRA, however, is somewhat unique in that you use after-tax dollars to establish it and, therefore, you have greater access to the funds.  In other words, because you have already paid taxes on the dollars you invest in a Roth IRA, there are fewer restrictions in place should you decide that you need the funds for another purpose.  Roth IRA’s will typically produce a higher rate of return than a regular savings account and you can contribute to them in a variety of ways, including via direct deposit.

You can begin using any of the aforementioned savings methods without increasing your income.  By establishing your saving habit before your wages increase, you will be better prepared to save and save at a higher level when you do earn your next raise or promotion.  Should your wages increase, take the opportunity to save a few more dollars.  At this point, you will have already proven to yourself that it can be done.

It is always important to seek professional advice when you are making decisions about your finances. The savings options and methods mentioned here, however, are straight- forward and can almost always be accommodated by your primary financial institution.

The act of saving can be as simple or as complicated as you would like to make it and you can more easily talk yourself out of the need to save than you can convince yourself that it is important to do so.  Just remember that you will encounter less stress and generally find yourself in a better position overall when you are living your life with a plan.  If you choose to live your life with a plan, remember also that you will often discover brilliance in simplicity.

Scott Arney
Chief Executive Officer
Chicago Patrolmen’s Federal Credit Union

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