Dec 312020

Financial Independence – How To Get There

Posted on December 31, 2020 Uncategorized

  Do you feel like you’ve reached financial independence? If you haven’t, you’re not alone; many Americans in 2020 have experienced financial struggles for myriad reasons, including the pandemic and the economy. However, even in difficult times, striving to reach a goal of financial independence isn’t complicated – as long as you stay disciplined and follow the right steps to achieve your goals. Being financially independent can change the way you live your day-to-day life, and reaching that point can be wholly beneficial.   If you need help getting started, here are a few tips to get you going on

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Dec 122020

Traveling Safely During a Pandemic

Posted on December 12, 2020 Uncategorized

  December is one of the most popular months of the year for travel, and for some, this year is no exception. Some may be looking for a place to get away for the holidays, and some plan to visit family. Regardless, there are risks that come with traveling during the COVID-19 pandemic, and if you’re thinking about traveling this month, it’s important to know how to stay safe, and to ensure that those around you stay safe as well.   Here are a few tips regarding the best ways to travel safely:   Before you book travel, check for

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Dec 072020

Protecting Yourself from Social Media Scams

Posted on December 07, 2020 Uncategorized

  Social media is omnipresent in our world today. Facebook has billions of users, Twitter has grown from a microblogging site to a major force, and other social apps like Instagram and TikTok are continuing to define our cultural landscape. However, for all the good that can come from being active on social media, there are detractors as well – namely in the form of various scams to steal your money or your identity. Scammers have become more and more creative as people continue to catch on to common schemes, so it’s important to be on guard for suspicious activity.

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Nov 282020

Keeping a Well-Stocked Pantry

Posted on November 28, 2020 Uncategorized

  Cold weather is under way, and so are a new series of restrictions due to the pandemic. This is the time of year where it’s easy to get wrapped up in the warm comfort of your home, not wanting to get out much, especially since days are shorter. When it comes to grocery shopping, it’s a necessity – but there are ways you can limit the amount of times you visit the grocery store, helping keep you and your family safe. Maintaining a well-stocked non-perishable pantry can help you shop less and keep your family nourished.   Here are

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Nov 212020

Guiding Your High Schooler into Adulthood

Posted on November 21, 2020 Uncategorized

  Children, as is often the case, start asking their parents for things from the minute they start talking. It’s your job to make sure they’re taken care of – healthy food, an education, a comforting home, all the proper amenities, and so forth. However, as your children enter high school, they’re going to start asking for different and more expensive things – such as extra spending money and more elaborate hobbies and activities. Teaching your high school student about the value of money and how to make it stretch is one of the most important lessons they can take

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Nov 092020

Protecting Your Personal and Financial Info on the Web

Posted on November 09, 2020 Uncategorized

  It’s 2020, and many people spend much of their lives online – which includes having your personal information available on the World Wide Web. Everything you do online leaves some kind of footprint, whether it be large or small, and it’s extremely important to ensure your personal and financial information doesn’t get obtained by hackers and scammers from one of these footprints.   Our team at Polam encourages strong measures to ensure your online information is kept safe and secure. Here are a few tips on how you can protect yourself from fraud:   Create an ironclad password –

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Nov 012020

Unhealthy Financial Habits – How to Break Them

Posted on November 01, 2020 Uncategorized

  Admit it: we all have one or more financial habits that we need to break, but are having trouble breaking. Human beings as a whole tend to be creatures of habit, and unfortunately, unlike safe habits such as watching a certain show every night, or having your morning tea, financial habits that can harm your bank account and credit score are highly important to break in order to achieve financial stability.   Some of these habits seem obvious, whereas with others, you may not even know you’re doing them. Here are some of these bad financial habits, and tips

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Oct 272020

UChoose Rewards – How to Earn and Spend Your Rewards Points

Posted on October 27, 2020 Uncategorized

  When you bank with Polam FCU, you’re not just getting a better banking experience through our low rates, top-notch service, and our not-for-profit status – you’re also getting the chance to earn rewards for every purchase you make with your VISA debit or credit card. These rewards points don’t expire, and can be redeemed for a wide number of perks – gift cards to your favorite retailers, travel, hotel and car rentals, and prepaid VISA cards for you to use as you wish. Our rewards program is free to join, and it’s our way of thanking you for your

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Oct 182020

Budget-Saving Tips for Your Holiday Menus

Posted on October 18, 2020 Uncategorized

  Every year as the holiday season approaches, millions of Americans start planning their festivities, from choosing and decorating their Christmas tree, shopping for gifts, making travel arrangements, and more. Another thing they plan for is a holiday menu, whether it be for Christmas, Thanksgiving, or both. Grocery planning for the holidays is a valuable way to ensure you don’t go over budget with your overall spending, as it can be often overlooked.   Before you begin to plan out your holiday feast, here are a few tips on how cut your grocery budget this season so you can have

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Oct 092020

Your Emergency Savings – How to Rebuild It

  A Federal Reserve study from 2019 has shown an alarming statistic: 40 percent of Americans do not have $400 in their bank account for emergency expenses. While this study was performed months before the coronavirus pandemic, it’s a startling reality at a time when people are losing their jobs because of the pandemic. While rebuilding your emergency fund can seem daunting or almost impossible, it doesn’t have to be the case.   If you’re looking to build an emergency fund, here are a few tips on how to get started:   Make changes to the way you budget.  Usually

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