Issue link: http://www.e-digitaleditions.com/i/334667
Mid-year Check-up With 2014 already half over, now is a good time to give your retirement plan a mid-year c h e c k - u p . R e - e v a l u a t i n g your retirement plan at least once during the year will prove beneficial in the long run. Ask yourself the following questions: Has the plan been working for me? Have I run into any roadblocks? Do I need to make any changes? When re-evaluating your plan, follow these steps: • EXAMINE YOUR BUDGET: Is it realistic for you? Is it allowing you to set aside money regularly for retirement? Have you been able to follow it? Consider making any necessary adjustments to your budget now so that you can continue to follow it for the remainder of the year. • MONITOR YOUR SAVINGS: Where are you saving? Whether saving with an IRA or employer plan, it's a good idea to monitor your investments. • CONSIDER INVESTMENTS: If saving with an IRA, you can invest your IRA. IRAs are open to several types of investments, such as CDs, mutual funds, money market funds, stocks, bonds, and even real estate. • REVIEW COMPANY PLAN: Does your employer offer a retirement plan? You generally can change how and where those assets are allocated, as you see fit. Keeping tabs on the status of your IRA and retirement plan investments is not only to your advantage, but critical to the growth of your retirement dollars. You may need to re-analyze your savings strategy, reposition your assets, and redefine your retirement goals more often along the way. Saving for retirement is an ongoing effort that requires regular attention. Most of all, don't give up! Even when unexpected events occur and throw you off track. Try not to lose sight of your retirement plan. When obstacles arise, continue to make adjustments as you need. Always remember, we're here for you if you need help. MANSUR'S ANSWERS 2 New DEBIT CARDS Texoma Community Credit Union is pleased to announce exciting changes to your Debit Card! In early September you will receive a new TCCU debit card in the mail. This new card will replace your existing card. You may begin using your new card on Wednesday, September 10th. Please be sure to destroy your old card at that time. On September 10 all old cards will be deactivated. You will be required to activate the new card before using it for purchases. Simply follow the instructions that will appear on the front of the card. Also note that cards issued on joint accounts will no longer share the same card number or PIN. The new card will feature extra convenience and security to keep your card and account safe, including: MasterCard Secure Code- You'll be able to select a unique password to use when shopping online at select sites with your TCCU debit card. During checkout, you'll be prompted to set up your personal password for use during your online shopping experiences. For more information about how it works and safe places to shop, CLICK HERE. Fraud Protection- FraudWatch is a system that monitors potential fraud. FraudWatch identifies potentially fraudulent transactions and alerts us so we can quickly take appropriate action. Business Check Cards– Managing your business expenses is easy. All your purchases are itemized on your monthly business checking account statement. IMPORTANT: If you have used your existing Texoma Community Credit Union Debit MasterCard to pay for services that are billed directly to your card, such as Internet services, insurance, gym fees, etc., be sure to contact these vendors and provide your new card number as soon as you receive it so that your service is not interrupted. If you have questions about your new card, please contact Texoma Community Credit Union at (940) 851-4000. We appreciate your continued business!