Halloween can be a fun time for kids and adults, but it doesn’t have to break the bank! We have compiled some of our favorite Halloween pins on Pinterest so you can skip the tricks and enjoy just the treats this year. These pins include budget-friendly DIY décor, treats and costume ideas. Click on the image below to view our Halloween on a Budget board.
Have a DIY idea to share? Comment below.
This article was pulled from Forbes.com and discusses how your attitude can have a direct impact on your financial situation.
Nothing Bad Is My Fault: Toxic Financial Attitudes
Luke Landes, Contributor
The difference between financial independence and a life of financial frustration comes down to attitude. The way you approach all aspects of your life, not just money, has a significant effect on your long-term financial growth. Personal philosophies dictate how you act and how you react to any situation you face.
It’s worth the time to take a look at your personal philosophies to determine how they are helping or hurting you. Think about how you view the world and your place within it. Consider the relationships you have with people and the way you make sense of situations.
from Credit Union National Association (CUNA)
New federal laws and regulations are changing the structure and face of the financial services industry. In this time of accelerating change, it is important to truly understand how credit unions are unique and different, and why we remain a necessary and extremely popular financial alternative for more than 100 million Americans.
WHAT IS THE CREDIT UNION DIFFERENCE?
- Not-for-profit. Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
- Taxation. Credit unions do pay taxes – payroll taxes, sales taxes, and property taxes. Congress exempts credit unions from federal income taxes. The exemption was established in 1937, affirmed by statute in 1951, and re-affirmed in 1998 in H.R. 1151, the Credit Union Membership Access Act, which states:
Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because credit unions are member-owned, democratically operated, not-for- profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means.”
- Ownership. Credit unions are economic democracy. Each credit union member has equal ownership and one vote — regardless of how much money a member has on deposit. At a credit union, every customer is both a member and an owner.
- Volunteer Boards. Each credit union is governed by a board of directors, elected by and from the credit union’s membership. Board members serve voluntarily.
- Membership Eligibility. By current federal statute, credit unions cannot serve the general public. People qualify for a credit union membership through their employer, organizational affiliations like churches or social groups, or a community-chartered credit union.
- Financial Education for Members. Credit unions assist members to become better- educated consumers of financial services. Additionally, CUNA is partnering with the National Endowment for Financial Education, a not-for-profit foundation, to expand financial education among high school students. A national study shows that just ten hours of personal finance education can positively affect students’ spending and savings habits for a lifetime.
- Social Purpose: People Helping People. Credit unions exist to help people, not make a profit. Our goal is to serve all of our members well, including those of modest means – every member counts. Our members are fiercely loyal for this reason. They know their credit union will be there for them in bad times, as well as good. The same people-first philosophy causes credit unions and our employees to get involved in community charitable activities and worthwhile causes – just ask us.
THE CREDIT UNION DIFFERENCE – JUST ASK YOUR CREDIT UNION!
Copyright © 2013 Credit Union National Association
Visit WESTconsin Credit Union to learn more about The Credit Union Difference.
About International Credit Union Day®
from the World Council of Credit Unions
International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948. The day is recognized to reflect upon the credit union movement’s history and to promote its achievements. It is a day to honor those who have dedicated their lives to the movement, recognize the hard work of those working in the credit union industry and show members our appreciation.
This year’s ICU Day will take place on Oct. 16, 2014. Its theme, “Local Service. Global Good.,” emphasizes credit unions’ positive impact in their communities and around the world.
“ICU Day was established to acknowledge credit unions’ strong base in their communities, both local and global,” said Brian Branch, World Council president and CEO. “This year’s theme champions the credit union model by shining light on the industry’s support of charity causes at the local, national and international levels.”
The ultimate goal is to raise awareness about the great work that credit unions are doing around the world and give members the opportunity to get more involved. Credit unions and associations throughout the world celebrate the day with open houses, contests, picnics and parades.
Make sure to visit your local WESTconsin Credit Union office this Thursday, October 16 and join in on the celebration!