16 Nov

Move Over Credit Card and Make Way for the Holiday Loan

Holidays are all about enjoying time with friends and family and being grateful for the blessings in your life. However, there are some pesky expenses that creep up this time of year. If you are traveling to see family or friends prepare yourself for airfare, hotels, and meals outside of the home. If you’re a gift-giver, your out of pocket spending grows with each recipient on your list. Furthermore, if you are hosting friends and family at your home, you will need to buy and prepare food for the festivities.

There is a good reason to take out a Holiday Loan with the Rocky Mountain Law Enforcement Credit Union and it’s often overlooked. Hint: There’s a percentage involved. That’s right, the interest rate on your credit card. Before you pull out the plastic, consider how much that interest rate affects the total amount you end up paying for each item on your list. Rather than use a credit card for a big ticket item like airfare or Christmas gifts, our Holiday Loan rates starting at 6.95%* can save you money over time.

A few suggestions on how to use your RMLEFCU Holiday Loan:

  1. An experience whose memories last longer than the holidays. Why experiences? Most importantly, research has shown they make you happier than consumer goods. You can take a longer trip during the holidays or book a trip for later in the year. We found one traveler who did a three week European tour for $2,500, including hotels and airfare. If you are willing to put in the time and research, you can save money.
  2. Love where you live with your very own sports bar. Do you entertain? Wish that you had a place where your friends can watch the games? Heck, you’ll save money at home by not buying drinks and food at a bar or restaurant. Use your Holiday Loan to purchase a big screen TV and speakers for surround sound.
  3. Up your game with new golf clubs. There’s a PGA Superstore in South Denver that will have everything you’d ever need.
  4. Purchase a new firearm and accessories. Besides the gun itself, it’s a good idea to have spare magazines, ammunition, a gun lock and/or safe, eye protection, and ear protection. It depends on the firearm you select, but having a gun rack is an expense to consider. Check out 5280 Armory to support a local business owner.
  5. Hit the slopes all season long with a new ski or snowboard set up. If you’re getting fully outfitted you’ll also need a new ski jacket, pants, and boots in addition to a pass. If you go to Colorado Ski & Golf, you may end up covering #3 and #5 at the same time.

With Rocky Mountain Law Enforcement Credit Union’s 6.95% APR* Holiday Loan you’ll have up to 12 months to repay. Call our Loan Department at 303-458-6660 or visit rmlefcu.org today to begin the process.

*Annual Percentage Rate. With approved credit. Some restrictions may apply. But don’t delay, this offer is valid from November 1st, 2016 thru December 31st , 2016.

11 Nov

Kasasa Protect is Equal Parts Security Guard, Investigator and Crisis Manager

What is your Identity Theft Prevention Plan?

Do you have a plan in place if someone opened up multiple accounts in your name? If identity theft has happened to you, do you remember how much time and energy you spent trying to clear your name? How many phone calls and forms did you fill out? Do you have time to simultaneously monitor your credit report and online records? Even if you have the time, do you feel confident that you’ve taken all the necessary steps to safeguard your personal information?

These questions are uncomfortable, yes, but so is being unprepared for identity theft. Thankfully, RMLEFCU members with Kasasa accounts, and even those without, are eligible to sign up for Kasasa Protect. Kasasa Protect is a comprehensive identity protection and restoration solution available for a low price of $8 a month for Kasasa accounts and $12 each month for non-Kasasa account holders.

How Kasasa Protect is like a Security Guard

Kasasa dedicates employees to monitor your credit card accounts and credit reports so they can immediately alert you to any suspicious activity. Kasasa Protect uses 24/7 Credit Monitoring to keep you informed of any changes related to:

  • Loan data
  • Inquiries about your credit history
  • New accounts opened in your name
  • Judgments
  • Liens

A unique feature is Kasasa Protect’s Monthly Credit Score & Tracker.

Benefits include:

  • Kasasa employees regularly review your credit score, helping you stay on top of your credit
  • You can avoid the cost of pulling full credit reports
  • Kasasa monitors trends over time to find out what is changing your score
How Kasasa Protect is like an Investigator

Kasasa performs Dark Web monitoring by scanning millions of international sources in real time. They also quickly pinpoint stolen data that could identify you, such as a social security number or medical identification numbers.

How Kasasa Protect acts as a Crisis Manager

Say you lose your wallet. Kasasa Protect steps up with their Lost Wallet Protection features:

  • One convenient point of contact handles cancellation and replacement of all your important documents
  • Restoration through Kasasa includes: your cards, licenses, social security cards, insurance cards, passports, military IDs, and even traveler’s checks

If your personal information is compromised, Kasasa acts as Crisis Manager with Identity Restoration. Their experts work to get you peace of mind, providing helpful advice and resolution services as soon as the fraud has occurred. Certified specialists file, dispute, and resolve issues with your credit card companies and can file fraud alerts, place credit freezes and notify authorities on your behalf.

Finally, Kasasa Protect understands you may be interested in the service and not interested in being locked into a service contract. No problem. You can enroll in Kasasa Protect contract free. Ask your RMLEFCU representative how to enroll or go online to put Kasasa Protect to work for you.

04 Nov

A Budget Savvy Holiday Gift Guide for Everyone on Your List

The holiday season is fraught with excess. Overeating, overdrinking and overspending can lead to headaches, regret and a depleted bank account. But it doesn’t have to be that way.

Just because you are frugal doesn’t mean you have to forego giving altogether or buy gifts for your friends and family at dollar stores. You can choose meaningful, local gifts for every personality on your list. For this budget  savvy holiday gift guide we selected local experiences and handcrafted items that recipients will appreciate and cherish long after Christmas.

Budget Savvy Holiday Gift Guide for:

The Foodie 
  • Denver Dining Out Passbook – $34.99- This is a good deal since it was $99 when it was first issued. The recipient has until 7/31/16 to use 2 for 1 deals from restaurants like DiFranco’s and our personal favorite Gaetano’s.
  • Cooking Classes from the Kitchen Table in Greenwood Village. Classes are usually $80-$95 with many including 5 course meals and wine. Plus you gain practical knowledge and a memorable experience.
The Philanthropist with Style

Threads Worldwide – A Denver based company that partners with fair trade cooperatives in twelve countries to create beautiful jewelry and accessories. Shop online here.

The Practical Philanthropist

Oxfam – Browse their online catalog and pick out a unique, symbolic gift. The best part is that your selection will benefit an individual in need. Gifts include a goat, a school meal program for one child, mosquito nets, etc.

The Sports Fan

Get them Season tickets to the Mammoth! There are nine home games and prices start as low as $80 for season tickets. It’s fast paced, high scoring, and you’re cheering on a local team.

Outdoors Enthusiast

Buy an Annual State Parks Pass for only $70 per vehicle. The Annual Pass can now be purchased at any time of year and is valid for a full 12 months of use.

Up for Anything Types

Buy them a Class with Dabble. Offerings are in person in the Denver metro area and include classes like: holiday wreath making, glassblowing, screen printing, and even beginning blacksmithing.

Tech Guru

Further their knowledge or help them get a jump on a new career with a class from the Colorado Free University.

The Police Officer

A Swiss Army knife with add-ons like a light, seat belt cutters, and window punches. Here’s one choice that is bound to come in handy. Or a good electric travel mug so that no matter how busy they are their beverage will stay the same temperature.

A Stressed Out Parent

An offer to babysit coupled with a restaurant gift certificate would be very appreciated. Another idea is a certificate for house cleaning from a professional such as 5280 Housecleaning or Maid Complete.

Congratulations! You’ve covered a lot of ground with this budget savvy holiday gift guide.

You can’t drive on an empty tank and you can’t be your best self without a little reward, right? Remember that with our Holiday Loan Slideby you can skip loan payments in December. Complete the coupon in this month’s newsletter (Dispatch) and turn it in to a branch as soon as possible to free up more holiday cash!