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Emery Federal Credit Union
Cincinnati, OH
Recent Activity
It has been a few weeks since our last blog entry- BUT we have been busy on the other end working on the development of a new blog presence. On or about March 1 we will officially "power this blog down" and begin posting and promoting our new blog, which will have its own dedicated URL address. The new blog will be more focused on small businesses and feature posts and contributions from our strategic partners that deal in the business community. For the time being- we appreciate those of you who have read this blog and commented or responded... Continue reading
Posted Feb 18, 2011 at Emery FCU eNotes
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contributed from the Financial Network Group and Simply Money; a strategic partner of Emery Federal Credit Union This isn’t good—a new study says one in five Americans ignore their finances. Javelin strategy and research found 19% of Americans say they don’t check their finances at all. That means they don’t look at their accounts on bank websites, use personal finance software, or anything like that. And javelin found that those of us who *do* check our finances regularly, using either the bank’s website, or our own software program, are doing it *less often*. It’s not too hard to figure out... Continue reading
Posted Jan 5, 2011 at Emery FCU eNotes
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I came across an interesting read on SmartMoney.com a few weeks ago entitled "Chasing Lost Brands," for the complete article click here http://www.smartmoney.com/spending/deals/chasing-lost-brands/. Products and Brands come and go all the time. Anne Kadet, the author of the article, mentions different name brands for coffee creamer all the way to Flex Shampoo. i used Flex Shampoo back in the day, I hardly noticed when it disappeared. I want to add to her list a bit. Wang Computers- anyone remember that? Emery's main offices are a few streets over from a building that used to be known as the "Wang" building.... Continue reading
Posted Jan 3, 2011 at Emery FCU eNotes
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In the true spriti of Clark Griswold, one has to ask- "How long did this take to put up?" #5. #4. #3. #2. #1. Continue reading
Posted Dec 21, 2010 at Emery FCU eNotes
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In September we hosted our 4th annual Charity Golf Scramble with a Sold Out field of play. as a result of the charity event we were able to donate over $8,500 to the Cincinnati Shriners Hospitals for Children. Shriners Hospitals for Children® — Cincinnati is a 30-bed pediatric burn hospital, research and teaching center and is one of the three hospitals specializing in burn care operated by Shriners Hospitals for Children®. The hospital is verified as a burn center by the American College of Surgeons and the American Burn Association. Please mark your calendar for Monday, Sepember 12, 2011 for... Continue reading
Posted Dec 20, 2010 at Emery FCU eNotes
For a brief moment this week I have felt what it has been like to be "y2k'd." I regularly back up data to an external hard drive, albeit monthly, so I am assured to not have lost nearly as much as I could have. Almost as a religious ritual- on or about the 1st of every month I back up the hard drive. Unfortunately when the lid of my 3-year old ThinkPad closed on the night of Nov. 30 after watching a streamed version of the Office on hulu.com- it would be the last opportunity I would have to view... Continue reading
Posted Dec 3, 2010 at Emery FCU eNotes
Over the next few days our Blog may be "offline"- our web administrator's (who happens to be me) computer had a fatal crash this morning. Funny thing is, Emery FCU is looking into beginning to offer a Service Organization (CUSO) for computer services... we may have our first client in line... To be continued... Continue reading
Posted Dec 2, 2010 at Emery FCU eNotes
Emery Federal Credit Union's Business Development Executive, Britt Scearce, will be a guest on the Simply Money drive-time show on Cincinnati's 55KRC tonight. Simply Money is from 6:00-7:00pm on AM 550! Continue reading
Posted Nov 30, 2010 at Emery FCU eNotes
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We've done this a few times over the years and have always attracted a fair amount of feedback, so we'll pitch another one out and see what happens. No, this isn't financially relevant (unless you're in the movie industry) but 99.9% of those who may come across this I'm willing to bet have seen these. So, with that in mind, here are my picks for the "Top 5 Christmas Movies:" 5) "A Christmas Story" Set in Hammond, Indiana in the 1940's, and poor old Ralphie only wants one thing for Christmas: "an official Red Ryder cabine-action 200-shot range model air... Continue reading
Posted Nov 30, 2010 at Emery FCU eNotes
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Well, hope everyone had a great Thanksgiving weekend- I, personally am not going to eat again until Christmas. Did anyone take in any Black Friday Weekend shopping? I am proud to say, I did NOT. Unless buying a few strands of Christmas lights to replace broken ones from last year qualifies. I did treat myself to a warm cup of Caribou Dark Chocolate Mocha though, but I tend to do that on most days. Case-in-point, I'm not the shopper of the family. USA Today predicts that Online shopping is on pace to make another round of significant gains on traditional... Continue reading
Posted Nov 29, 2010 at Emery FCU eNotes
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Anyone in my family knows, as is with most guys also (I think)- shopping isn't my thing. Wandering around aimlessly in retail stores for hours on end hoping that inspiration hits me just doesnt' rank on my top ten. Yes, I am one of the working souls today; no shopping for me. Today is truly one of the only days of the year I gladly take my place behind the work desk and forgoe the shopping ritual. Upon my arrival at the office today I sat down to begin the day with the orderly reading of the various daily newspapers,... Continue reading
Posted Nov 26, 2010 at Emery FCU eNotes
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Do you need to get rid of your old computer, stereo, printer... 8 track player? And, do you have documents that you no longer need but don't have a shredder to handle the job? If you have answered yes to any of those you are invited to come to our Document Shred/Electronics Recycling Day being held at Lakota East High School parking lot in Liberty Twp on Saturday, November 6 between 9am and 1pm. We are partnering with Lakota Schools (www.lakotaonline.com), Cintas(www.cintas.com), and 2TRG (www.2trg.com) to provide this service to our Members and the surrounding community. You may bring any... Continue reading
Posted Oct 5, 2010 at Emery FCU eNotes
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If you live in Cincinnati it's hard to concentrate on much else- unless you had been living under a rock the last few days as the Magic Number slinked down to "Clinch." Last night around 10:20pm (or so) Reds Right Fielder Jay Bruce swung the bat on the first pitch of the bottom of the 9th and sent the ball over the Center Fielf Wall to the extreme delight of 30k+ fans at Great American Ballpark. The win brought the Central Division Championship home to the Reds for the first time since 1995 and represents the return to prominence for... Continue reading
Posted Sep 29, 2010 at Emery FCU eNotes
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This is an "editorial" comic that was sent to me last week. Have no idea where it's origins are from- but it carefully explains what situations the end user usually finds in a "polished" sales presentation. Agree or disagree? Continue reading
Posted Sep 27, 2010 at Emery FCU eNotes
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In my morn ing scan of the financial news of the day I came across an article on the CNNMoney page entitled "Bank Fee Whac-a-Mole." I couldn't have worded it any better. For the full article, click herehttp://money.cnn.com/2010/09/24/pf/new_bank_fees/index.htm?hpt=T2 . Back in February Congress passed a sweeping financial industry overhaul bill that was intended to protect the consumer by limiting the interchange rate that banks (and Credit Unions) charge retailers for credit cards swipes (among other things). The intention was that by limiting the interchange to a flat fee as opposed to a percentage, then retailers would then pass those savings... Continue reading
Posted Sep 24, 2010 at Emery FCU eNotes
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Over the weekend, Emery FCU was able to partner with the Liberty Twp Mom's Club to sponsor an exhibit at the Liberty Twp Fall Festival. Yes, it was a Fall festival technically in Summer. Word is that they wanted to add a 5k to the event and this weekend was the only spot left the sponsoring organization could do it. Either way, it was a great event that we were happy to not just to sponsor- but also to participate in. Emery FCU has been involved in the Fall Festival for the past three years and by far, this was... Continue reading
Posted Sep 20, 2010 at Emery FCU eNotes
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From SimplyMoney Blog, 55KRC. One of the fastest ways to sink a budget is to give in to impulse buys. Yeah, we’ve all been there. You go to the mall for one thing, then you walk by a window display and suddenly find yourself spending fifty bucks on something you don’t *really* need. Or maybe you go to pick up one or two things at the store, and end up at the check-in with a cart-full of stuff. So let’s start there. Your first mistake was getting a cart. Retailers know that once they get you to buy stuff that’s... Continue reading
Posted Sep 20, 2010 at Emery FCU eNotes
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First of all, thank you to our Members, Vendors, Partners, Clients, and concerned bystanders and anyone I may have missed that participated in our 2010 Charity Golf Outing! This year, despite the economy that continues to lag- we "oversold" our event and had to expand! 38 teams of 4 or approximately 150 people participated in our event! We are humbled by the response that we received from those who came out! In a few days we will post a full line of those who helped sponsor this event. As in the past, all proceeds from this event will go to... Continue reading
Posted Sep 17, 2010 at Emery FCU eNotes
I am not a big defender of Big Banks... I mean, hey, I work for a Credit Union right? I will concede that not all of the things they do or fees they impose are entirely their fault though. Legislation passed a few months ago by Congress is going to limit the amount of money, or maybe percentage is a better way to put it, that Banks (and Credit Unions) can charge as "interchange" for Credit Card transactions. I guess the thought of this being that- if the "Fat Cats" (as they are usually referred to) are limited by what... Continue reading
Posted Sep 16, 2010 at Emery FCU eNotes
You’ve probably heard that credit inquiries can *hurt* your credit score—but just how big is the *ding*? Well, it depends on the kind of inquiry. If you apply for a loan or a credit card, that’s a *hard inquiry*, and it will affect your score, typically shaving off one to five points per inquiry. It can cost you *more* points if you have a short credit history or few accounts. But you can also get *dinged* for things like applying for a new mobile phone contract, or renting an apartment. The general rule is that if an inquiry means you’d... Continue reading
Posted Sep 15, 2010 at Emery FCU eNotes
Sure, Facebook is fun—mostly, but it’s also a great place to find *free stuff*! Companies know few young people read the paper, or watch as many TV commercials as they used to, but they *do* use social media like Facebook and Twitter. So those companies are using those platforms to reward loyal customers and promote new products. Which means you can find everything from free food coupons to free weight loss products on Facebook and Twitter, and free and discounted event tickets, too. Sometimes it’s as easy as clicking on a Facebook fan page. Sometimes the promotions are contests, where... Continue reading
Posted Sep 3, 2010 at Emery FCU eNotes
he innovative Smart Option Student Loan helps you save money, build your credit, and pay off your student loan faster. It's an ideal education funding solution if you still need funds after maximizing grants, scholarships, and federal loans. Benefits and Features Borrow the money you need — up to 100% of the cost of your education1 No origination fees3 Enjoy a 0.25% interest rate reduction while enrolled in automatic debit monthly payments5 Earn 2% back in rewards for on-time payments while in school6 Applying online is easy — it only takes about 20 minutes 24/7 online account management No prepayment... Continue reading
Posted Jul 13, 2010 at Emery FCU eNotes
ANYBODY who knows me will tell you that I am not a morning person. I woke up out of a dead sleep at 4:30am with a strangle-hold on my cell phone (which doubles as my alarm clock) because I couldn't get the thing to shut off. Then nano-seconds later when a begin to come to I realize that the noise I was hearing wasn't my alarm clock, but a chorus of fire alarms going off in my family's house. My family and I live in a 2-story, plus basement house, so for fire alarms to be going off on multiple... Continue reading
Posted Jun 17, 2010 at Emery FCU eNotes
Through our association with Nathan Bachrach and the Simply Money team we get the opportunity to contribute stories and expertise on Cincinnati's 55KRC (AM 550). Yesterday, our Business Development executive, Britt Scearce, was called on literally at 3pm to contribute to an exclusive interview regarding the banking practice of "batching" that would be aired on the 10pm news. With an extensive background in lending (and lending practices), Britt was able to pull his information together in just under 30 minutes to complete the interview. Click and view our contribution to the Fox19 Ten O'Clock News! Continue reading
Posted Jun 10, 2010 at Emery FCU eNotes
I'm not being paid by an attorney to write this- just writing from a "fresh" personal experience. If you or a loved one passed away tomorrow- what would become of your hard earned savings? What about the cherished "Grandfather" clock that has been passed through generations? Or how about trivial things like your car or baseball card collection that you've had since... whenever? What about the important decisions like: "do not resuscitate" orders, whom your savings should be directed to, who makes decisions regarding your care if you are deemed incapable to do so?--- Etc.... I recently had the agonizing... Continue reading
Posted May 24, 2010 at Emery FCU eNotes