Credit CPR

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Welcome and thank you! Stay safe!

Welcome and thank you! Stay safe!The Woodfin Police Department is excited to welcome Officer Liza Rozencranz to our ranks. Officer Rozencranz comes to us after serving as a Sheriff's Deputy in Madison County, NC. She is highly motivated and we are excited to have her on our team! ... See MoreSee Less

4 hours ago
Welcome and thank you, Dispatcher Nabor and Officer Bell! Stay safe!

Welcome and thank you, Dispatcher Nabor and Officer Bell! Stay safe!Good Morning ⛅️ City Of St. Gabriel 🙌🏾

We are very pleased to announce that our team is growing today, we would like to welcome two of our newest member to the wonderful St. Gabriel Police Department 👮🏽‍♀️👮🏽‍♀️

Left - L.Nabor (Dispatcher)
Right - B.Bell (Patrol Officer)

Thank you for joining us in welcoming our new team members and make sure to stop and introduce yourselves!
... See MoreSee Less

4 hours ago
Welcome, congratulations and thank you, Officers! Stay safe!Image attachmentImage attachment+Image attachment

Welcome, congratulations and thank you, Officers! Stay safe! ... See MoreSee Less

4 hours ago
Such a beauty! Stay safe, K9 Simon!

Such a beauty! Stay safe, K9 Simon!We are super busy at work so here’s a little Santa Simon 🎅 ... See MoreSee Less

4 hours ago

1 CommentComment on Facebook

😍😍

Congratulations and thank you to all! Stay safe!Image attachmentImage attachment+2Image attachment

Congratulations and thank you to all! Stay safe! ... See MoreSee Less

2 days ago
Welcome!! Congratulations!! Stay safe.Image attachmentImage attachment+1Image attachment

Welcome!! Congratulations!! Stay safe. ... See MoreSee Less

3 days ago

15 CommentsComment on Facebook

Congratulations

God bless and keep y’all safe! 🙏🏻🙏🏻🙏🏻

Congratulations 🎊

Congratulations...Thank you for your service and God Bless

Congrats 👏

Congrats

👏🇺🇸

Congratulations and stay safe!

Congratulations!

Congratulations. Wish you all good luck and be safe.

Congratulations

Congratulations

BE SAFE TAKE CARE 👮‍♀️💙👮‍♀️💙👮‍♀️

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We will Never Forget. ... See MoreSee Less

6 days ago
Thank you for 30 years of service!

Thank you for 30 years of service! ... See MoreSee Less

6 days ago

6 CommentsComment on Facebook

Happy Retirement!!

Congratulations on your retirement enjoy

GOD BLESS OUR BRAVE WARRIORS🇺🇲🇺🇲🇺🇲🙏🙏🙏🙏❤️❤️

👏👏👏👍👍🙏🙏🙏🇺🇸🇺🇸🇺🇸

Thanks proud of you

Ty

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We will Never Forget.

We will Never Forget.#NeverForget ... See MoreSee Less

1 week ago

5 CommentsComment on Facebook

RIP Sir, thank you for your service to your community......

💙

Prayers

RIP🙏🇺🇸

RIP

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We will Never Forget.

We will Never Forget.#NeverForget ... See MoreSee Less

1 week ago

11 CommentsComment on Facebook

Rest in Peace Officer. <3

Amen RIP prayers said

Prayers for the families

Prayers

💙

God bless him

RIP Officer!!!

RIP FELLOW BROTHER OFFICER

Rip Hero

So sorry. RIP

RIP

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Thank you, Sir!

Thank you, Sir!Three Decades and Counting!
Congratulations to Captain Todd Watkins on his thirty years of service to the OCSO and citizens of Okaloosa County! Thank you for your countless contributions to our community! 👏🌟
... See MoreSee Less

1 week ago

2 CommentsComment on Facebook

Congratulations,thank you for your service

Congratulations and stay safe

Congratulations and welcome Officer Gabidson Boisrond!Image attachment

Congratulations and welcome Officer Gabidson Boisrond! ... See MoreSee Less

1 week ago

5 CommentsComment on Facebook

Salute and Honor

👏🇺🇸

Congratulations 👏🎉🎉🎉🇺🇸

Congratulations

👏👏👏🙏🙏🙏🙏

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Thank you!

Thank you!Meet our employee of the quarter, Officer Reid Daut!

Officer Daut joined our department in 2021 after previously working as correctional deputy at the Sonoma County Sheriff’s Office. Most recently, he was selected to be a Training Officer at our department and has since been assigned one of our new trainees.

He was chosen as Employee of the Quarter for his high quality investigations, teamwork, and resourcefulness in working to solve multiple complex cases these last few months.

Congratulations, Reid!
... See MoreSee Less

1 week ago

2 CommentsComment on Facebook

👏🇺🇸

👏👏👏 🙏 🙏 🙏 🙏 🙏

Congratulations and thank you!

Congratulations and thank you!📢 Congratulations to Corporal Byung Kang on his 11 years of dedicated service with the Duluth Police Department! 👏🎉

Currently assigned to Special Operations, Corporal Kang serves as a K9 Officer, working alongside his loyal and talented partner, K9 Clodo. 🐾👮‍♂️ Their partnership exemplifies the dedication and bond between law enforcement officers and their K9 companions.

Thank you for your service, Corporal Kang, and congratulations once again on this milestone achievement! 🙌👏 #DuluthPD
... See MoreSee Less

1 week ago

14 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

Congratulations

👏🇺🇸

Congratulations we Love our Police 🇺🇸❤️🙏💙

Thank you for your service! 🖤💙🖤

Congratulations 💙

Congratulations 🎊

Congratulations 🎈 🙏

Thank you for your service 💙

Congratulations!❤️🇺🇸👏👏👏

Congratulations and stay safe

👏👏👏👍👍👍🙏🙏🙏🙏🇺🇸🇺🇸

🙏👏🏾🇺🇸👍

Ty

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We will Never Forget. ... See MoreSee Less

1 week ago

2 CommentsComment on Facebook

Condolences to the families and friends!

Ty

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

2 weeks ago

1 CommentComment on Facebook

😆🌙😹🏥🥊 Worry less, smile more.🎁https://bawornnon.vercel.app/

The Mortgage Beat returns with a post-season Bonus Episode! In this segment, Police Mortgage CEO John Aretos provides insight on the 2024 Q4 market. 

To hear the episode, please visit: https://policemortgage.com/mortgage-beat-episodes/.

The Mortgage Beat returns with a post-season Bonus Episode! In this segment, Police Mortgage CEO John Aretos provides insight on the 2024 Q4 market.

To hear the episode, please visit: policemortgage.com/mortgage-beat-episodes/.
... See MoreSee Less

2 weeks ago
We will Never Forget.

We will Never Forget.On this day in 2019, the Detroit Police Department lost Police Officer Rasheen McClain, who was shot and killed in the line of duty. McClain was posthumously promoted to Sergeant. He served for 16 years. We will never forget his ultimate sacrifice. #NeverForgotten #OneDetroit ... See MoreSee Less

2 weeks ago

31 CommentsComment on Facebook

Rest In Peace

RIp! Thank you for your service,bravery,sacrifice and dedication!

🙏💙💙💙

🙏🙏🙏🖤💙🖤🙏🙏🙏

Prayers for the families. R.I.P.

Condolences to the families and friends!

God bless

🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🌹🌹🌹

💙🇺🇸🇺🇸🇺🇸🇺🇸‼️‼️

R.I.P. 🙏🏻

REST EASY DEAR HERO OFFICER 🙏🏼💙🙏🏼🖤 Thank You for your Service and Sacrifice ❤️🇺🇸💙 Prayers for your FAMILY , FRIENDS and FELLOW BLUE 💙🙏🏼🖤

🙏🙏🙏🙏❤️

Prayers

Rest in peace amen 🙏❤♥

RIP prayers said 🇺🇸🇺🇸🇺🇸

🙏🙏🙏

RIP… Thank You for your service and sacrafice…

Bless his family.

Thanks to you our Hero. 🇺🇸♥️

RIP FELLOW BROTHER OFFICER

My heart breaks for his family, loved ones and friends. God comfort them in their time of grief. 🇺🇸🙏🏼

RIP🙏🇺🇸

God bless rip prayers said 🙏🙏

Rip hero

My Condelences RIP , God bless the family ❤️ 🥀 🙏

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All the best to you, Sir. Thank you for your 50 years of service!Image attachmentImage attachment+1Image attachment

All the best to you, Sir. Thank you for your 50 years of service! ... See MoreSee Less

2 weeks ago

3 CommentsComment on Facebook

👏🇺🇸

Thanks prayers stay safe and well in Jesus name

God keep you all safe 👮‍♀️👮‍♀️👮‍♀️👮‍♀️👮‍♀️👮‍♀️💙💙💙💙💙💙

Congratulations! Thank you! Stay safe!Image attachmentImage attachment+4Image attachment

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

2 weeks ago

3 CommentsComment on Facebook

Thanks prayers stay safe and well in Jesus name

Congratulations 🎊

Bless all of you.

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Credit CPR

In previous articles, we have outlined the steps that you can take to improve both your understanding and the quality of your financial situation.  No step, however, is more important than the one that involves your willingness to communicate with your spouse, trusted friend/mentor, and/or financial advisor.

The fact of the matter is that the act of communication itself leads to a plan and a well organized and executed plan leads to a resolution.  Together, these actions form the basis of Credit CPR.

Communicate

Forms of communication have been at the heart of all human interaction for as long as mankind has been in existence.  Despite having had several thousand years to perfect the ability to communicate, however, none of us have become expert communicators.  Every single one of us can improve or refine our efforts.

Despite its imperfections, communication remains vital to the success of any effort involving more than one party.  It is especially essential in situations that can easily lead to problems such as confusion, misunderstanding or a lack of understanding, and stress.  Your credit standing and the state of your finances are perfect examples of the types of situations that often create these problems.

Whether you are an individual who has an excellent handle on their own financial situation or someone who is struggling to manage your day-to-day needs, it is important to discuss your thoughts and concerns with those either in the best position to assist you and/or those most impacted by your financial understanding and the decisions you make based on that understanding.  Expressing your ideas or asking questions will almost always lead to a clearer picture of your situation and a stronger basis from which to proceed toward a plan and a resolution.

If you and your spouse discuss all pertinent financial matters up front and you take the time to understand each other’s needs and expectations relative to your finances, you will immediately take a potential source of stress and frustration off the table.

If you decide that both of you need to work in order for you to meet your financial goals, then support each other in your respective careers and take time to appreciate your respective efforts.  Divide up the list of household chores between the two of you and develop a system for managing your household that works for both of you.  This will help you to develop expectations that are proportionate to your situation.

If you decide that one of you will stay home to assist in raising your family, be sure to focus on understanding what each of you is bringing to the table.  Just because one of you is not earning an income does not mean that the one who brings home the paycheck is the only one who is contributing to your collective financial goals.

A stay at home spouse covers a lot of expenses that would otherwise be incurred if he or she was working outside of the house.  Expense reduction can be just as helpful in achieving your financial goals as increased income.

If you understand these things and each other on the front end, your time and your effort will be expended more efficiently and you will not experience the added worries that confusion and misunderstanding between you and your spouse can create.

Examples of credit related topics that are worthy of discussion and dialogue include investment strategies, retirement planning, mortgage options, cash flow enhancement, borrowing needs, budget requirements, debt management, spending habits, major purchases, and anything else that has the potential to have a positive or negative impact on your state of mind and stress level.

Plan

There are a variety of steps to take and details to include when you form a plan to address your financial objectives.

Start by prioritizing your financial needs.  In doing so, you will find that each one of your needs may very well require its own detailed plan, each with a different set of action steps.  There are common threads, however, in the construction of a usable plan.  When you prioritize your needs, don’t forget to include anyone else in your household who will be impacted by these priorities.

The plan that you devise must be tailored to you and your skill set, which means that it should only include a methodology that is consistent with your characteristics.  As an example, if you are not typically an organized person you should not develop a plan that relies on your ability to be organized at all times.  You may want to start by just designating a specific place to store all relevant information and a commitment that you will review that information at least once a month or once a week as needed.  If you do develop realistic objectives, you will increase your chance of following your plan and achieving the related goal.

Your plan should include reasoning as to why the plan is important to you.  This will also increase the likelihood that you will continue to follow the plan after implementing it.  You are always more likely to do something if you know why you are doing it.

Your plan should include a designated measurement to ensure that you remain on the intended course of the plan.  For instance, if your goal is to get a better handle on your checking account balance, you should incorporate a weekly or monthly reconciliation between your record keeping and that of your credit union or bank.

Lastly, your plan should provide for longer-term goals beyond those identified as your primary objectives in the shorter term.  Just as you are more likely to stay the course when you know why you are in pursuit of a goal to begin with, you are more likely to remain focused and disciplined if you know that the achievement of a goal will put you in a position to achieve a larger goal.  Staying with the example of your checking account; better record keeping will almost always lead to reduced fees and overdraft charges, which leads to greater usable income.

By simply taking the time to communicate your thoughts and then to construct a plan designed to either enhance your understanding or reduce the possibility of misunderstanding or confusion, you have already put yourself ahead of about 95% of the rest of society.  Now that you have a plan, however, you must act on it.

Resolve

Your ability to achieve your personal financial goals will be determined almost entirely by a well thought out plan and shear determination.  Reversing bad habits or learning new ones is never easy.  You face your version of the daily grind and, because of that,  you are subject to being worn down or side tracked with more immediate issues than improving our credit standing.  In the end, as it always does, it will boil down to whether or not an enhanced understanding and/or improvement of your financial situation is worth it to you.

There are several reasons why it should be, starting with the fact that better credit and even a better understanding of how credit is granted puts money in your pocket in the form of lower interest rates on loans and a lesser dependence on borrowing.

When you become less reliant on debt as part of your overall situation, you will find that you have more options available to you and that you will gain a greater command of your own financial choices.  Having the ability to make your own choices clearly reduces stress and improves the quality of your life.  Less stress almost always leads to greater overall health.

Simply put, if you commit to performing your own Credit CPR, you will have more money and live a healthier life.  What greater reasons do you need to buckle down and communicate, plan, and resolve to improve your financial awareness and overall financial standing?

And, don’t forget, members of the Credit Union enjoy free and confidential Credit Counseling and Financial Planning through our Financial Planning and Education Center. We are here to assist you every step of the way.

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

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