NewsNotesCFCU Community Credit Union - Winter 2017

Notice of Annual Meeting

can be easy.

Light refreshments will be served & members will have the opportunity to hear about potential changes to the bylaws as well as meet CFCU’s Executive Team, Board and Committee Members and staff.

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8 Financial Resolutions F� A Happy New Year

When: April 24, 2018 at 5:30pmWhere: Country Club of Ithaca

The start of a new year is the perfect time to look at your life -- and your finances. These eight financial resolutions are a great place to start.

1. Raise your 401(k) contribution by 1%. Better yet, sign up for your company's 401(k) auto escalation plan if it offers one and let it raise your contribution every year.

2. Review your insurance coverage. Your insurance needs change over time, and the start of the new year is the perfect time to make sure it is still sufficient.

3. Build your emergency fund. If you have an emergency fund in place, resolve to add money to it with every paycheck. If you do not have an emergency fund, decide to start one when the new year arrives.

4. Track your spending for one day. Tracking your spending for a single day can be a real eye-opener, so grab a notepad and write down everything you spend.

5. Calculate your asset allocation. If you are already investing, check your asset allocation and make sure it is still where it needs to be. If you’re not investing, this is a good time to start considering it!

6. Adjust your tax withholding. If you get a big tax refund each year, you are lending money to the government interest-free. Adjusting your withholding now could mean more money in every paycheck.

7. Tackle your debt. Now is the time to get a handle on your debt, so make a plan to get it done. Whether you allocate a portion of your paycheck to debt repayment or look for a way to make extra cash, seek out ways to retire your debt once and for all.

8. Seek out a side hustle. If you have a few extra hours a day or on the weekend, you can turn that time into cash. Seek out a side hustle that meets your needs and fits your abilities.

The beginning of the new year is the perfect time to make some positive financial adjustments, and the eight financial resolutions listed above can help you get started.

For more help getting �nancially �t this new year, check out mycfcu.com for education, helpful products and promotions, and to contact our knowledgeable Wealth Management Team.

Dana Decker Dana Decker, the Principal Broker of Heritage Realty of Central New York has been a lifelong resident of the Cortland and Ithaca areas and has grown a true appreciation for all of our local communities. Dana attended Elmira College where he graduated in 2008 with a B.A. Degree in Business Administration with concentrations in Marketing and Management.

Since founding Heritage Realty in 2008, Dana has served the Cortland County Board of Realtors as the Treasurer, President Elect, and 2015 President. He is also a member of the Ithaca Board of Realtors.

Growing with our local communities, Dana understands the importance of giving back. He has enjoyed doing so by serving as a Director on the Board for the Cortland County Chamber of Commerce, as a Director on the Board of the Salvation Army, and has spent time and resources investing into local youth sports programs and clubs to ensure a bright future for tomorrow’s leaders.

Equal Housing Opportunity

Meet the CandidatesThe nominating committee has submitted the following candidates for CFCU’s Board of Directors. When only one member is nominated for a position, the chair may take a voice vote or declare each nominee elected by general consent at the Annual Meeting. The nominees are introduced below:

Joe During Joe is President of the Joseph H. During, Jr., CPA firm in Cortland, where he specializes in small business consulting including computer systems consulting, and individual, corporate and partnership taxation. He also provides estate, financial, and retirement planning, as well as accounting, tax and management advisory for not-for-profit organizations, fire districts and fire departments.

Before starting his own business in 1998, Joe spent 32 years with the CPA firm, Dermody, Burke & Brown, serving as partner in charge of the company’s Cortland office for 14 years. He is a member of the American Institute of Certified Public Accountants, the New York State Society of Certified Public Accountants and the AICPA Technology Section.

A graduate of Syracuse University with a BA in accounting, Joe’s an honorary member of the Mattydale and Cortlandville Fire Departments, and a member of the NYS Association of Fire Chiefs and the Fireman's Association of the State of NY. He is also active with community organizations, having served as District Treasurer and Commissioner in the Cortlandville Fire District, Campaign Chair for the United Way of Cortland County and past President of the Cortland Rotary Breakfast Club. Joe is an ordained deacon in the Diocese of Syracuse and ministers at St. Mary’s and St. Anthony of Padua Churches, as well as serves as Fire Chaplain for Mattydale & Cortlandville Fire Departments.

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