09 Oct

Dreams Thrive Here –International Credit Union Day Contest

Dreams Thrive Here

Dreams Thrive Here –International Credit Union Day Contest

The theme for International Credit Union Day 2017 is “Dreams Thrive Here,” and we are behind that sentiment 1000%! After all, we’ve been supporting each other’s dreams since 1938. In that spirit, members are invited to visit our Facebook page and share their own experiences in using RMLEFCU’s tools and services to make a dream happen.

Tell us about a memorable trip, favorite vehicle, or educational experience that the credit union helped make happen and be entered to win your choice of:

  • A free loan slide-by for the holiday season
  • ¼ point off a new loan
  • Or one free year of Kasasa Protect

Enter the “Dreams Thrive Here” contest by sharing your story on the post linked below, by tagging @RMLEFCU in a post on Facebook, or using #DreamsThriveHere on Twitter or Instagram before October 19th (International Credit Union Day).

We look forward to hearing your stories!

Dreams Thrive Here Facebook Contest

*Entrants must qualify for RMLEFCU membership. Eligibility is open to current or retired employees of law enforcement organizations in the state of Colorado as well as family of our current members. For a full list of eligible organizations please visit https://www.rmlefcu.org/about-us/become-a-member.html.

22 Sep

Things Worth Saving Up for and Splurging On

Things Worth Saving up For

As much as we all like saving money wherever we can, there are a few things in life that people, for the most part, agree are worth spending the extra money on. Whether it’s an experience you’ll never forget or an item that you’ll use every day; some things are worth a bit of a splurge. While everyone’s priorities and opinions are different, this list of things worth saving up for and splurging on seems to be pretty consistent across the board.

Mattress

Fun fact, you spend about a third of your life sleeping, so the real question here is why wouldn’t you splurge on a great mattress? Not only will you get a better night’s sleep, but your productivity and energy will increase too.

Sheets

This goes hand in hand with the quality mattress point. Anyone who’s slept on scratchy sheets can attest that great bedding can make all the difference in getting a good night’s sleep. Now, we’re not saying to go out and buy 1,800 thread count, Egyptian cotton bedding, but spending a little extra money on better sheets can really impact the quality of your shut eye.

Phone and Computer

It’s 2017 and most of us use one, if not both, of these items all day, every day. Investing in a quality product, whichever brand you may be loyal to, will not only last longer, but have less technical issues in the long run than its cheap counterpart.

Running Shoes

Anyone who’s ever ran more than a mile in subpar shoes knows what we’re talking about. While paying $100+ every 200-500 miles may seem like a lot, the injuries that you’ll prevent in the long run make it completely worth it; especially if you consider yourself an avid runner.

Vacations

Are you going to remember that one week in May 2018 when you went to work every day like normal, or when you took a trip somewhere new and made unforgettable memories? People are always saying how they regret not having more experiences and making the most of life when they had the chance. Don’t let that be you.

Now, while you can plan a vacation on the cheap, there are some things you should not go for the cheapest option on. Generally speaking, hotels and sleeping accommodations are the best example of “you get what you pay for.” Depending on where you’re vacationing, paying a little more per night for a room in a safer and more comfortable place, could make or break your whole trip.

Quality Toilet Paper

Not that this one needs very much explaining, but you’ll end up spending the same amount, if not more, for more roles of the cheap, thin stuff than for the nicer brands. Give yourself a break and go for luxury here.

 

While not splurging on some of these items may be fine with some, a good rule of thumb is that if you use something every single day, it’s worth spending a little extra money on to ensure it is of great quality. While it may take some time to save up the money to splurge on these items, it is usually worth it in the long run.

Making a budget and investing in a good savings account are some great first steps to ensuring you have the money for things worth saving up for and splurging on. Lucky for you, RMLEFCU has the people and resources to help with both! Visit our website or give us a call at (303) 458-6660 to find out how we can help you start saving today.

Do you agree or disagree with anything on this list or have anything to add? Let us know in the comments!

30 Aug

RMLEFC-You! Tell Your Story – What Makes the Law Enforcement Community Special to You?

rmlefc-you

Tell Your Story
What makes the law enforcement community special to you?

The police community is like one big, supportive, extended family – so tell us about why you love being a part of it!

Are you an officer, law enforcement employee, or family member of an LEO? Tell us about what makes this community great and you will be entered to win a $50 Amazon gift card and 1 year free of Kasasa Protect, a financial identity protection service.

Enter by sharing your story on the post linked below, by tagging @RMLEFCU in a post on Facebook, or by using #RMLEFCYou on Twitter or Instagram before September 13th.

We can’t wait to hear from you!

RMLEFC-You Contest

 

*Entrants must qualify for RMLEFCU membership. Eligibility is open to current or retired employees of law enforcement organizations in the state of Colorado as well as family of our current members. For a full list of eligible organizations please visit https://www.rmlefcu.org/about-us/become-a-member.html.

29 Jun

2017 Biscuit Bus Challenge: Show Your Patriotism

Biscuit Bus Challenge

Once again, RMLEFCU is giving a lucky local Colorado Law Enforcement department a visit from the Biscuit Bus. Could it be yours?

Here’s how it works:

  • Take a photo of your department showing its patriotism
  • Tag @RMLEFCU in a photo you post on Facebook or Instagram, or post it on the RMLEFCU Facebook page
  • Collect the most likes by 3pm on July 19th
  • Eat delicious biscuits. Nom nom nom…

The department represented by the patriotic photo with the most likes on July 19th at 3pm will win a complimentary visit from the Biscuit Bus! We will also randomly select two other departments to receive a visit by Fat Sully’s Pizza truck as runner-ups.

Show your patriotism and we’ll show you the biscuits! #2017BiscuitBusChallenge

*This contest is only valid for Colorado law enforcement departments whose employees are eligible for RMLEFCU membership. This promotion is in no way sponsored, endorsed or administered by, or associated with, Instagram or Facebook. RMLEFCU has the right to refuse entries. Contest rules and prizes are subject to change without notice. If your department location is not in range of the Biscuit Bus or Fat Sully’s, an alternative meal option will be issued.

See on Facebook Now

19 Jun

Paying for College Without Going Broke

Paying for College Without Going Broke

One of the first thoughts after being accepted to college is usually, “Now how do I pay for this?!” The current costs of tuition are staggering, but there are several options for paying for college without going broke. It is worth the research and effort to explore all options, in particular assistance that does not need to be repaid like grants and scholarships.

Paying for Tuition

Financial Aid

The first step in beginning your quest for financial aid should be to fill out your FAFSA at https://fafsa.ed.gov/. Filling out this document will tell you what government aid you qualify for, including grants, loans, and other programs like work-study.

It is a good idea to always accept all grants first, and then figure out what additional funding you may need after that amount is deducted from your tuition. Grants do not need to be re-paid if you graduate, but beware, dropping out of school can mean you have to repay the full amount you accepted.

Scholarships

The next best form of funding for college expenses after grants are scholarships. Scholarships do not need to be re-paid (under most types) and can be awarded for a variety of reasons. There are scholarships for all sorts of interests and activities. Some are based on merit, some are based on sports performance, and some are based on where you live.

The William Threlkeld Scholarship

RMLEFCU members that are in high school or college are eligible to apply for the William Threlkeld Scholarship. Four deserving members/students will be awarded the scholarship based on academic performance (a 3.0 GPA or higher), community involvement, and the potential to succeed at the college level. 2017 applications are due by July 31, to apply, fill out this application and mail to:

Rocky Mountain Law Enforcement Federal Credit Union
attn: Threlkeld Scholarship
10025 Park Meadow Drive
Lone Tree, CO 80135

Loans

Loans for college expenses come in two forms: government and private; both of which must be paid back plus interest. Through your FAFSA you will find out if you qualify for any government loans. Subsidized government loans are better than unsubsidized or private loans because you will not accrue interest while in school.

If after receiving grants, scholarships, and subsidized loans you still need cash for school, your next step is to decide between an unsubsidized government loan or a private loan. Choose whichever has a lower interest rate (hint: this won’t always be the government loan!). Another option is to use your parent’s home as collateral for a low interest loan. This could be in the form of a home equity loan or home equity line of credit.

Personal Expenses

As far as personal expenses while you are a student, some grants or scholarships allow for personal expenses. Only use these though if you have all school expenses (like tuition and books) covered first.

The ideal way to pay for personal expenses while in school is with a part time job or work study program. You want to minimize student debt as much as possible, so going into more debt for living expenses can put you into a bad cycle of increasing your debt each year.

College costs are intimidating for every student, but there are a large number of ways to pay for these expenses without graduating completely broke. Research your options, apply for every scholarship under the sun, and only accrue debt when necessary.

12 Apr

2017 Denver Police Week Events

Denver Police Week

We are pleased to be a part of the 2017 Denver Police Week activities. This year’s Denver Police Week will be occurring from May 14th – May 20th. Per usual, the statehouse will be lit up blue in honor of our local police officers. We will be updating this post with events as additional information becomes available.

2017 Denver Police Week Events

Thursday, May 18th: The Denver Police Memorial Day Ceremony will be on Thursday, May 18th. The day will progress as follows:

9:00 – 9:45am – Police Museum Reception at the Art Dill Auditorium at 1331 Cherokee St. in Denver. Light refreshments will be provided.

10:00 – 11:00am – Denver Police Memorial Ceremony held at 1331 Cherokee St. Plaza.

Retiree appreciation lunch immediately following in the DPPA Building at 2105 Decatur St. Please RSVP by May 11th to (720) 913-6779 or denverpolicemuseum@gmail.com

Fallen Officer Memorials

Throughout the week there will be fallen officer memorials honoring five police officers that lost their lives. The events are listed below.

Officer Donald J. Seick
Time: May 17, 2017 2pm
Location: 50th Ave (Regis Blvd) and Green Court

William Claassen
Time: May 15, 2017 at 1:00pm
Date: 2805 Downing Street

Thomas O’Connor
Time: May 16, 11:00 am
Location: 13th and Welton street in Denver

Bruce VanderJagt
Time: Thursday, May 18, 9:00 am
Location: Denver Police Headquarters, Art Drill Auditorium, 1331 Cherokee Street

Officer DeHerrera
Time: Friday, May 19, time pending
Location: Denver Police District 1, 1311 West 46th Avenue, Denver