National Financial Capability Month

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3 days ago

Comment on Facebook

Congrats,and thanks!

Congratulations

Congratulations!!

Congratulations

Congratulations

God Bless you guys always

Congrats ๐Ÿ™

Congratulations. Stay safe

Stay safe!!

Be safe!

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3 days ago

Comment on Facebook

Congratulations good luck and Gods Speed be safe

Congratulations to you all

Congratulations

Congratulations be safe!

CONGRATULATIONS.!!!! BLESSEDS

Congratulations

Congratulations ๐ŸŽŠ ๐Ÿ‘ ๐Ÿ’ ๐Ÿฅณ ๐ŸŽŠ

Congrats

Congratulations. Stay safe

Welcome aboard!!!๐Ÿ‘ฎ๐Ÿป‍โ™€๏ธ๐Ÿ‘ฎ๐Ÿป‍โ™€๏ธ๐Ÿ‘ฎ

Good to hear

Congratulations dear lord PLZ keep them safe out there protecting this evil world๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿซก๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™

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3 days ago

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Congratulations.

Congratulations and thank you for your many years of service. Enjoy retirement and stay safe.Image attachmentImage attachment

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3 days ago

Comment on Facebook

Congratulations

Congratulations

Blessings to you!

Congratulations ๐ŸŽŠ๐ŸŽˆ

Congratulations

COBGRATULATIONS!!!!! Blesseds

Congratulations n enjoy retirement salute sir ๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿซก

Thank you ,and STAY SAFE!!

Enjoy!

THANKS HERO

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Congratulations and thank you for your many years of service! Enjoy retirement. Stay safe.Image attachmentImage attachment

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3 days ago

Comment on Facebook

That's awesome! Congratulations!!!!!!Enjoy your retirement..

Congratulations good luck and Gods Speed be safe

Thanks for your service ! You are wonderful people,! Love to all !!,

Best wishes. ๐Ÿ™‚

Congratulations

Congratulations ๐ŸŽŠ๐ŸŽ‰๐ŸŽˆ

Congratulations

Congratulations ๐Ÿ’™

Congratulations Thank You for your service ENJOY Your RETIREMENT ๐Ÿ‘๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ™

That's awesome! Congratulations!

Congratulations Sergeant Michael Liebau.

Congratulations

Thank you ๐Ÿ™

Salute and Honor

Congratulations !

Thank You for your Service

Enjoy Retirement! ๐Ÿ™๐Ÿ€

Congrats bud, now enjoy yourself

Congratulations, thank you for your service and God bless you. ๐Ÿ’™๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ’™

Enjoy ur retirement ๐ŸŽ‰๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿ’™๐Ÿ’™

THANKS HERO

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4 days ago

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God bless you JAMES MENDOZA, PLEASE SUPPORT

Thank you for four years of service, K9 Dutch!Image attachmentImage attachment

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5 days ago

Comment on Facebook

Thank you for your service K9 Dutch! Enjoy your retirement. Back the Blue ๐Ÿ’™

Thank you for your service

Thank you for your help.

Ty for your service xoxo

Congratulations!

๐Ÿ’™ Happy Retirement K9 Dutch ๐Ÿ’™ thank you for your service โฃ๏ธ

Thank You for your Service and Dedication ! ๐Ÿ‡บ๐Ÿ‡ฒ๐Ÿพ๐Ÿ–ค๐Ÿพ๐Ÿ‡บ๐Ÿ‡ฒ

God bless you ๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™โค๏ธ๐Ÿซก๐Ÿซก๐Ÿซก

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5 days ago
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5 days ago
Welcome and thank you! Stay safe.

Welcome and thank you! Stay safe.SWEARING IN CEREMONY
Public Safety continues to be our top priority in Shafter! Yesterday, we swore in Police Officer Berumen and welcomed her to our Shafter Police Department Family. Officer Berumen comes to us from another agency with five years of experience. Welcome again Officer Berumen to the City of Shafter.โค๏ธ๐Ÿ‡บ๐Ÿ‡ธโค๏ธ๐Ÿ‡บ๐Ÿ‡ธ #Shafter #Community #PublicSafety #SmallTownBigHearts #MakeUsProud Shafter Police Department
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5 days ago
Thank you for 34 years of service!Image attachment

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5 days ago

Comment on Facebook

Congratulations!!

Congratulations ๐Ÿ‘๐Ÿ‘

Congratulations n thank you for ur service Sir ๐ŸŽ‰๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ‘

Thank you for 24 years of service!

Thank you for 24 years of service!Congratulations to Officer Charles "Chuck" Porter on retiring after more than 24 years of service to the Olathe community. Well done, sir. You will be missed!
Olathe Public Schools City of Olathe, KS Government City of Olathe Fire Department
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5 days ago
Congratulations  and thank you to all, and thank you, Sgt. Craig Nixon, for 23 years of dedicated service!Image attachmentImage attachment

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5 days ago

Comment on Facebook

Congratulations Officer !! Keep up the outstanding work. Stay Safe Officers.

Congratulations! Thank you! Stay safe!

Congratulations! Thank you! Stay safe!We would like to give a big Springville PD welcome to our newest member, Officer Miles. If you see him out and about, make sure you give him a smile and a wave! ... See MoreSee Less

6 days ago

Comment on Facebook

Congratulations ๐Ÿ–ค๐Ÿ’™

Salute๐Ÿ’™๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿซก๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™

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6 days ago

Comment on Facebook

Congratulations and watch your back!๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ

Congratulations ๐ŸŽˆ๐Ÿพ๐ŸŽŠ

Congratulations everyone

Congratulations ๐Ÿ–ค๐Ÿ’™

Congratulations

God bless you.

Great

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6 days ago

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Congratulations

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6 days ago

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Congratulations everyone

Congratulations

Congratulations!!

Congratulations

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6 days ago

National Police Credit Union is honored to welcome the Osage Beach Police Department (Missouri) into our field of membership. We look forward to serving you and your families. ... See MoreSee Less

6 days ago
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1 week ago

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Congratulations good luck and Gods Speed be safe

Congratulations

Congratulations!

God bless n protect !!

๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ‘ฎ‍โ™€๏ธ๐Ÿ’™๐Ÿ’™๐Ÿ’™๐Ÿ‘๐Ÿ‘๐Ÿ‘๐Ÿ‘

Congratulations God Bless the Blue ๐Ÿ™๐Ÿ™๐Ÿ™๐Ÿ’™๐Ÿซก๐Ÿซก

May Gods bless them and keep them safe.

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National Financial Capability Month

Kick off National Financial Capability Month, April 2023, by committing to be in control of your own financial destiny.

Start by engaging in the Credit Union’s Financial Fitness for First Responders an ongoing series of free financial wellness programs specifically tailored for families in Law Enforcement. Financial Fitness for First Responders covers the topics most pressing to Law Enforcement Officers, including this monthโ€™s Retirement Readiness, Protecting Your Loved Ones with Life Insurance, Strategies for Investing, the ABCs of Homebuying, and more.

Following are Outtakes from recent Seminars:

RETIREMENT READINESS

  • Deferred Compensation is only one piece of your retirement puzzle.
  • Identify which โ€œbucketโ€ of money; Taxable, Tax-Deferred or Tax Free, best suits your retirement needs.
  • Pension, Social Security and required minimum distributions (RMDs) can affect your Medicare premiums and taxes.
  • Know your risk level, and make sure your investments match it.
  • Never spending Deferred Compensation can have tremendous tax implications for your beneficiaries.
  • ย There are numerous types of life insurance, and many advantages beyond a death benefit.
  • Anyone with a pension will be required to self-fund Long Term Care.
  • Consult a licensed financial advisor who can explain The SECURE Act and how will it affect your retirement accounts.

 

PROTECTING YOUR LOVED ONES WITH LIFE INSURANCE

  • There are several types of life insurance:
  • Term Life provides coverage for a specific period. If the insured passes away during the term of the policy, the beneficiaries receive a death benefit.
  • Whole Life is a permanent life insurance that provides coverage for the lifetime of the policyholder. Whole life policies typically have a fixed premium and pay a death benefit. The policy also has a component that accumulates cash value over time.
  • Universal Life provides permanent coverage and an investment component that offers the policyholder more flexibility.
  • Determine how much life insurance you need, and which policy best accomplishes your goals.
  • Life insurance can be used to generate tax-free income.
  • Life insurance is one way to fund Long Term Care costs.
  • You can convert taxable accounts into tax-free accounts with life insurance.

 

STRATEGIES FOR INVESTING

  • Educate yourself about the basics of investing, the different options available and the associated risks.
  • Define your investment goals and timeline and determine your risk tolerance.
  • ย Diversify your portfolio by investing in different asset classes like stocks, bonds, or mutual funds.
  • Dollar-cost averaging can help reduce the impact of market volatility on your investments.
  • Focus on an investment strategy instead of attempting to predict market highs and lows. Avoid trying to time the market!
  • Regularly monitor your investments and make portfolio adjustments as needed.
  • Seek advice from a licensed financial advisor who can help you create a personalized investment plan.

 

ESTATE PLANNING ESSENTIALS

  • If you do not complete an estate plan, the State of Illinois imposes a plan on your estate, probate proceedings are often unavoidable, probate bond costs cannot be avoided, and disharmony may ensue within your family because of disputes over who should administer the estate.
  • By completing a will or trust, you direct who oversees your property after you pass and who should receive your assets.
  • With proper planning, you can avoid probate proceedings, minimize the costs of administration, and plan for your inheritance to benefit your beneficiaries in a manner that best addresses your concerns about the beneficiariesโ€™ circumstances.
  • Completing a power of attorney for health care permits individuals you trust to make your health care decisions when you are not able to manage your care so that you can avoid guardianship proceedings.
  • Completing a power of attorney for property permits individuals you trust to handle your financial matters to avoid guardianship during your incapacity.

 

BUILDING A BETTER BUDGET

  • A simple budget can help you set financial goals and limit poor spending habits.
  • Follow the 50/30/20 Rule and prioritize essential expenses like rent and groceries.
  • Track expenses to understand where your money is going and identify areas where you can adjust.
  • Donโ€™t spend more than you earn and try not to overuse credit cards.
  • Avoid impulse shopping and flash sales.
  • ย Set aside 3-6 months of living expenses for an emergency fund, which can help cover unexpected costs or job loss.
  • Manage and eliminate debt by utilizing the Avalancheย orย Snowballย methods or investigate a consolidation loan.

 

UNDERSTANDING YOUR FICO CREDIT SCORE

  • Your payment history is the most important factor in calculating your FICO score.
  • Try to keep your credit card balances below 30% of your credit limit.
  • Opening too many new credit accounts in a short period of time can negatively impact your FICO score.
  • Try to keep old credit accounts open, even if you don’t use them often.
  • ย Check your credit report regularly for errors or fraudulent activity. You can get a free copy of your credit report from www.annualcreditreport.com.

 

UNDERSTANDING CRYPTOCURRENCY

  • Bitcoin and Ethereum are the most popular digital currencies, better known as cryptocurrency or โ€œcrypto.โ€
  • Cryptocurrency relies on blockchain technology, an encrypted public ledger that records transactions across a network of computers.
  • Cryptocurrency is decentralized, meaning it is not controlled by a central authority or government.
  • Cryptocurrencies are extremely volatile, so donโ€™t trade them with a โ€œget rich quickโ€ mentality.
  • Do your research when selecting a crypto trading platform and focus on ease of use.
  • Cryptocurrency adoption has grown in recent years, with major companies like Microsoft and AT&T accepting them as a form of payment.
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