We LOVE our Members! · 2016-02-09 · We LOVE our Members! You Could Win A Scholarship! Now… is...

We LOVE our Members! Volume Issue • February 2016

In This Issue:

The Smarter Way to Your Biggest Refund - TurboTaxYou Could Win A Scholarship!The Basics of Creating Your First BudgetTake the time and make a basic budget to keep your finances afloat

Financial Freedom FairRelationship CDHoliday HoursAll-Wheel Drive Vehicles to ConsiderSo much more than pickups and SUVs

Out of the Box Valentine's Day Date Ideas Rekindle the romance on one of these adventurous dates

We LOVE our Members!


The Smarter Way to Your Biggest Refund - TurboTax

Public Service Credit Union has teamed up with Love My Credit Union Rewards TurboTax® programto get you your maximum refund, savings of up to $15 on TurboTax federal products, and a chanceto win $25,000! Just try TurboTax Online for FREE (and provide your email address) by February18th to be automatically entered in the TurboTax $25,000 Payday Sweepstakes1. Start TurboTaxnow!

This year, file your taxes the smarter way, and get your biggest possible refund – guaranteed. TurboTax® guides you every step of the way. Plus, you can save up to $15 on TurboTax federalproducts.

TurboTax translates taxes into simple questions about your life and puts everything in the rightforms for you.TurboTax searches over 350 deductions and credits, so you won’t miss a thing.TurboTax runs error checks and a final review to help make sure your taxes are done right.

Start TurboTax now!

The TurboTax credit union member discount is just one of many member discounts available with theLove My Credit Union Rewards program. Members have saved over $1.4 billion with exclusive offersfrom these great partners:

Receive a 10% discount (business members a 15% discount) on select regularly priced Sprintmonthly data service. Plus, waived activation fee on new lines and upgrade fees ($36 savingseach)Get safety and security of roadside assistance and more for less than $1 per week* with CURoad PalSave up to $200 on new DIRECTV service with monthly bill credits and a $140 gift cardReceive a $100 gift card and smoke communicator with new a ADT monitored home securitysystemEarn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org .

Public Service Credit Union • 734-641-8400 • http://www.pscunow.com



You Could Win A Scholarship!

Now… is your future!

Whether you're going back to school or your just starting your college years. PSCU wants to be apart of your future. We have 10 - $1,000 scholarships to be awarded. Applications and detailsavailable online. Click here or stop in any branch office to apply.

Application deadline is April 30, 2016.




The Basics of Creating Your First BudgetTake the time and make a basic budget to keep your finances afloat

Are you preparing to graduate? Congratulations on taking the big step of moving out into the realworld. The autonomy is a great feeling, but it comes with its share of responsibilities, such as handlingyour own finances. Creating a basic budget will help you keep track of your income, expenditures andsavings. All it takes is a pen, paper and about 30 minutes.

Here are the steps you shouldfollow, and each should take lessthan 10 minutes:

Discern your overall income - Doyou have a full-time job where youobtain a set income each payperiod? How about a part-time job(or two) at which your hours areunsteady? The latter is the morecomplicated aspect of step one, soyou first need to add up how muchyou make after taxes from everyincome source you have — use theminimum amount you will bringhome as a basis if you workvarying hours each week. It isbetter to under budget than to goover budget.

List your fixed expenses - Next,you need to list all the expenses you have each month that never vary.

“Your budget will need to reflect the fixed costs of living for your new lifestyle, including rent orhousing payments, utilities, car payments, credit card payments and other expenses you don’t expectto change each month,” says Sabah Karimi, columnist for U.S. News & World Report Money.

Identify new expenses - This includes student loan payments, health insurance and the like —things you aren’t used to paying on your own. These are likely fixed expenses but may not be, whichleads you to the next step.

Think of all your variable expenses - Any expense that changes from month to month should belisted here. That could be those bills that come regularly yet aren’t always the same amount (i.e.,utility payments, gasoline, grocery tab), or expenses for other travel, entertainment, etc.

“You decide how much of your monthly income goes toward these purchases, and you can adjust theamount at any time. Prioritizing what’s most important to you after your fixed and new expenses, andyour savings are taken care of, is one of the crucial aspects of putting together a budget,” Karimi says.“Create categories and play around with different numbers to figure out what you are comfortable withand what you can truly afford.”

Decide how much you want to save each month - There should always be a line in your budget forsavings. It doesn’t have to be much, but putting aside a percentage of your pay each month will giveyou a nice nest egg for the future or in case of emergencies.

With any luck, your expenses will be less than your total income. If not, some of your variableexpenses need to be reconsidered to make your budget work. Many people opt to put this hard copyof the budget into a spreadsheet or other budgeting tool, but it’s not always necessary. As long as youstick to your plan and update it as needed, your finances should be in good shape.



Financial Freedom Fair

Come to our Focus: HOPE branch in the Learning Center (1400 Oakman Blvd. in Detroit) from 11 amto 4 pm on Thursday, March 10th and learn about all the services that you can take advantage of. This fair will provide you with the information to help you better manage your finances. FREE creditreports – to the first 50 people registered.




Relationship CD

Beginning February 15th , You can benefit from having a relationship with PSCU. When qualifyingmembers open a CD with PSCU you can earn 1.55% APY for an 18 month term.*

*Some restrictions apply,Click here for full details.




Holiday Hours

All branches of PSCUwill be closed on

Monday, February 15thin observation

Presidents’ Day




All-Wheel Drive Vehicles to ConsiderSo much more than pickups and SUVs

When you’re looking for the best vehicles to tackle the poor-weather driving conditions that come withwinter, getting a vehicle with all-wheel drive is a great start. And while you’re probably well aware ofthe SUVs and pickups that come equipped with all-wheel drive, there are plenty of other options too.

Subaru Legacy

The Subaru Legacy is the only midsize sedan that’s standard with all-wheel drive. Many popularmidsize options like the Toyota Camry, Honda Accord and Nissan Altima don’t even make it available;and with an MSRP of $21,745, this one’s more affordable as well. There are two engine options, withfuel economy rated at up to 36 mpg highway. Some of the impressive features you’ll find are theEyeSight driver assist technology and STARLINK smartphone integration.

“Subaru completely redesigned the Legacy last year. The company maintained the midsize sedan’sall-wheel-drive capability and capacious interior while making meaningful improvements in fuelefficiency as well as infotainment and safety technologies,” Left Lane News says of the newest model.“A sleeker, more modern look helps the Legacy turn more heads than before too.”

Chrysler 300

If you’re looking for the optimalblend of performance, luxury,amenities and affordability, theChrysler 300 is a great pick. Whilerear-wheel drive is standard, theavailable all-wheel-drive modelsuse the most advanced system inthe entire class, with an axledisconnect system that helpsmaximize fuel economy while stillproviding the grip you need. Andbuying a 300 means you have theoption of innovation afterinnovation, with cutting-edgefeatures like the Uconnectinfotainment system, TorqueFliteeight-speed automatic transmissionor best-in-class engine choicesstarting with the award-winningPentastar V6. The LimitedAll-Wheel Drive starts at just over $34,000.

“No matter what version you choose, the 300 is stylish, roomy, powerful and a pleasure to drive. TheAmerican sedan is alive and well,” AutoTrader adds.

Luxury options

Virtually every luxury manufacturer has an all-wheel-drive option, and many of them have carefullydeveloped their technology to not only tame poor-weather driving conditions, but to improveperformance on dry roads as well.

Acura has Super Handling All-Wheel Drive, also known as SH-AWD, and you can find it on both theTLX and RLX luxury sedans. Audi has quattro, BMW uses xDrive and Mercedes-Benz equips some ofits models with 4MATIC.

A newer entry into the luxury coupe arena is the Lexus RC (MSRP starting at $39,995), and itcurrently ranks in U.S. News & World Report as the No. 1 upscale small car. There are numerousLexus models to help you find the exact blend of power and efficiency you’re looking for, and the RC300, RC 350, RC 300 F SPORT AWD and RC 350 F SPORT AWD can all be equipped with all-wheeldrive.

Regardless of what kind of vehicle you’re looking for, stop by to see what financing options we havefor you so you can worry about one less thing during the car-buying process.




Out of the Box Valentine's Day Date Ideas Rekindle the romance on one of these adventurous dates

Date night is a crucial part of keeping the romance alive in your relationship, whether you have beenwith your partner for two months or 20 years. However, going to the same places and doing the sameactivities every month can lose its romantic feeling. Bringing novelty to a relationship through fresh,interesting activities shakes off the humdrum feelings a marriage could develop.

Instead of going on the same old Friday night dates you’ve been doing for years, like dinner at arestaurant followed by a movie at the cinema, try these unique ideas to liven up your relationship.

Get close to nature

Escape from the stressors of thecity by finding harmony in the greatoutdoors. The easiest thing you cando is to pack a picnic lunch, bring aconversation starter book and hikea local nature trail. Make it morememorable by bringing a cameraand staging an outdoor photo shootduring your excursion. If you don’tlike hiking aimlessly, join thegeocaching movement and hunt forhidden treasures around yourneighborhood.

If travelling far isn’t your thing, pitcha tent in the backyard and spendthe night stargazing. Family Sharesuggests turning your backyardcamp into a spa by filling a kiddiepool with hot, bubbly water and surrounding it with candles and music. While you’re out in thebackyard, make a time capsule and bury it.

The most romantic aspect of being outdoors is getting to watch the sunset or sunrise together. Find aquiet location that’s known for having great views and snuggle up with your significant other.

Excite your taste buds

A full stomach is important for keeping you and your spouse happy. Spice up meal time by cookingtogether. Find a challenging new recipe and work together to create it. Whether or not it comes outthe way it should, you will still strengthen your communication and teamwork.

If you like to eat out, try a local restaurant you’ve never visited before and order dishes on the menuthat you’ve never tasted. Or satisfy your stomach at multiple eateries by taking a local restaurant tour:order an appetizer at once place, the main course at another, dessert somewhere else and drinks atyet another.

Get competitive

Friendly competition can get the adrenaline flowing and the romance sizzling. Go to a sports complexand try out the batting cages, miniature golf or go-kart track. If you’re not feeling athletic, find anarcade that is filled with retro video games.

You don’t have to leave your home to play around, either. Buy a deck of cards and some new boardgames and stage an all-day game tournament. Many fun, new two-player games are published everyyear.

Regardless of what date you plan, focus on your partner rather than your phone. Only by committingfully to your experience will you rekindle that passion.

We LOVE our Members! · 2016-02-09 · We LOVE our Members! You Could Win A Scholarship! Now… is...

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