Lynn Brahmer, Member Services

Recent Posts

Happy House Hunting!

Posted by Lynn Brahmer, Member Services on Sep 23, 2014 1:21:33 PM

Buying a home is a big deal. It can be fun, exciting and even a little scary because chances are, it’s the most expensive thing you’ll ever buy. I’ve done it four times and I’ve learned some valuable lessons I’d like to share.

First and foremost, make sure you’re really ready to take on the financial responsibilities of owning your own home. Are you prepared to pay for all the upkeep, improvements and repairs that come with owning a home? You may start out thinking that your mortgage payment will be less than your current rent, but when you add on the taxes, insurance, and maintenance costs, that’s usually not the case. And keep this in mind: if you think you may get a job transfer, go back to school or need to move within the next five years, renting, instead of buying, may be the smart choice.

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Topics: mortgage

Buying a Car the Right Way: Get Pre-Approved for Your Car Loan!

Posted by Lynn Brahmer, Member Services on Aug 19, 2014 10:34:21 AM

My daughter’s first car buying experience didn’t start out very well. She had graduated from college, moved hundreds of miles from home to start her career and needed to buy a car. The thought of working with a salesperson at a Dealership was intimidating and she had no idea how to negotiate or know if she was getting a good deal. She didn’t have a local bank yet so I suggested she call my credit union to see if they could help. And boy did they!

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Topics: auto loan

Top 5 Uses for a HELOC

Posted by Lynn Brahmer, Member Services on Aug 6, 2014 1:58:14 PM

I’ve got a home equity loan. I used it to make some much-needed improvements to my house. I was fortunate to have enough equity in my home to borrow what I needed and get what I wanted - new kitchen counters and windows and a finished basement. My house looks great and my remodeling is done, but I still have the line of credit in place, there if I ever need it. It gives me a nice sense of security. 

Home equity loans or lines of credit are great financial tools but like any other tools, they must be used properly. They’re not designed to be used for every day expenses or for a fancy Hawaiian vacation. Most importantly, you don’t ever want to borrow too much, be unable to make the monthly payments and risk losing your home which is used as collateral.

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Back-To-School Budget Basics

Posted by Lynn Brahmer, Member Services on Aug 4, 2014 1:55:39 PM

My children are all grown now, but I can vividly remember our back-to-school shopping trips. I’d have the cart and all three of them would run up and down the aisles, grabbing things and dropping them in the cart while I was saying things like, “Do you really need SEVEN new folders?”and “Don’t you already own a pencil sharpener?”When we’d finally get up to the cash register, there would be a mound of supplies, a huge bill and one shocked mom. 

Pencils, paper and folders can add up really fast, especially if you’re shopping for more than one child. But if you’re careful, it doesn’t have to.

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Topics: Saving, back to school, kids

Give Yourself the Gift of Time

Posted by Lynn Brahmer, Member Services on Jul 9, 2014 3:42:01 PM

Do you remember the good old days of driving to the credit union, either waiting in line to talk with a teller or in your car at the drive-thru? I do, and it’s not necessarily a fond memory.  

Now I do all of my banking online; most of it on my phone.

In just the last week, I:

  • transferred money from savings to checking while in line at the grocery store
  • confirmed that my paycheck had been deposited - yeah!
  • paid two bills while waiting in line for the car wash.

All thanks to mobile banking.

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Topics: General, Convenience

Love the Home You’re In

Posted by Lynn Brahmer, Member Services on Jun 26, 2014 11:06:00 AM

A couple of months ago I decided to put new hardware on my kitchen cabinets. (Probably as a result of watching too many home decorating shows on HGTV!) When I bought my house in the mid ‘90s, brass colored fixtures were all the rage; in 2014 they just look dated. I went online, ordered a couple dozen new nickel-colored knobs, and my kitchen had a whole new look. The difference is amazing and it cost me less than $40 and just a couple hours of my time.


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Topics: Home, Home Improvements

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