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12 Great Reasons to Drop Your Bank and Join a Credit Union
May 14, 2015
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480351583 Money Sav“If you are looking to save money, borrow at lower rates and enjoy personal service, a credit union may be the best bet for you.”

Read about these 12 areas where credit unions really shine.

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// Categories: Borrowing Wisely,Buying A Car,College Life,Saving & Budgeting
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How Can I Improve My Presentation Skills in 10 Easy Steps?
May 7, 2015
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450795057 Bus GrowthAs Einstein said, “If you can’t explain it simply, you don’t understand it well enough” – and neither will your audience. To learn how you can improve your presentation skills using several quick and effective tips, read on:  http://granterskinearchitects.com/articles-2/how-to-present.html

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// Categories: Career Advice,College Life,Off Topic
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4 Easy Money Saving Tips for 2015
April 30, 2015
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179312713Why not invest in your finances for the New Year? Incorporate these 5 money-saving tips for a prosperous year.

1. Coupon On the Go.  There’s no reason you should pay full price when you have a smartphone.  Apps like Groupon, LivingSocial, GroceryIQ, SavingStar and RetailMeNot make it easy to save at your favorite stores. With an extra 2 minutes to spare, you can locate coupons for popular shops, such Forever21, H&M, Best Buy and Game Stop. That means while you’re waiting on line, you can score coupons for your purchase! Additionally, many stores are going mobile like 7 Eleven and Target. Download the app for stores you frequent for additional savings. Free coffee anyone?

2. Shop for the Sales.  You know the saying, “Dress for the job you want, not the job you have.” Well it’s time to shop for the clothes on sale, not the clothes at full price. If you’re attentive, you’ll notice that certain items go on sale at certain times of the year. That’s because all stores go through seasonal sales cycles. Towards the end of each season is the perfect time to rack up on clearance items. Check out this site for a month-by-month break down on seasonal sales: http://faithfulprovisions.com/what-to-buy-when-seasonal-sales-cycle/

3. Opt to Dine In.  Bottom line: Eating out is expensive. Always eat beforehand, wait to eat at home or bring a snack with you to avoid spending extra money.

4. ALWAYS ask for a Student Discount.  I bet you didn’t know places like Apple, Subway, Chipotle, AMC Theaters, ASOS and Topshop offer discounts for students! Whenever you’re shopping, ask an employee about student discounts. It’s better to ask than to miss out on a sweet deal. For a full list of student discount heaven, visit this website: http://www.teachthought.com/interest/103-organizations-that-offer-student-discounts/

Created by: Brittany Spell/St John’s University – Major: Psychology

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// Categories: College Life,Saving & Budgeting
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4 Money Habits Millennials Need to Break
April 16, 2015
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178098337[1]1. Saving absolutely no money.  Saving should always, always, always be a priority. Get in the habit of saving money now. Every time you get a pay check, put aside 10% of your income. You never know when you’ll run into an emergency where the extra cash will come in handy. It’s better to be safe, rather than sorry.
Btw: 10% of $100 is $10. That’s super affordable!

2. Living paycheck to paycheck.  This is a scary habit you should break as soon as possible. If you spend all your money without thinking each expense through and putting money aside, you’ll never have money – especially when you need it. You’re not always going to be able to depend on your parents when you need money. Make financial independence a healthy habit.

3. Not investing in long-term savings.  If you’re already in the habit of saving money, that’s great. But are you saving for your long-term or short-term goals? Saving up for spring break vacation is cool, but how about expenses for graduate school, a house or even retirement? You’re probably thinking, “I won’t be doing any of that anytime soon.” But when will you? When it comes to long distance goals with high price tags, you should beginning saving now. It’s dangerous to assume you can start saving later on. The beauty of starting early is that putting aside a small piece of your income now adds up significantly over time.
Did you know? If you put aside $50 twice a month for 10 years, you’ll have $12,000.

4. Spending money without tracking it.  Whether you make $200 a week or $5 a week, you should have a clear understanding of where you’re spending your money on a daily and weekly basis. Where do most of your expenses go – food, recreation, travel, school supplies? Essentially, when you spend money you’re making an investment. The goal is to make the right investments. As Kate Ashford states, “If you don’t know where your money’s going, you can’t accurately plan to meet saving and spending goals.” Without an established budget, it’s easy to overspend. Invest in a money-management tool, such as Mint.com, which will help you keep a day-to-day track of all expenses.

Created by: Brittany Spell/St John’s University – Major: Psychology

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Three Things That Will Accelerate Growth for Your Business
April 9, 2015
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In this Forbes article, Ian Altman addresses the problem when clients see your organization as a commodity that does the same thing as multiple other companies. Add to that the challenge of adding to your salesforce without  spending a small fortune.

450795057 Bus GrowthHere’s some advice to achieve greater success along with some concepts that we hope resonate with you.

 

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// Categories: Career Advice,Self Employment,Starting a Business
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27 Money-Saving Tips From Successful Small Businesses
March 26, 2015
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In this article by Annie Mueler, she shares her collection of 27 money-saving tips obtained from real small businesses that continue to succeed in a tough economy.

480351583 Money SavReal people, real businesses and real ideas to help you cut costs, lower your overhead, and still reach your target market and build your business.

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// Categories: Career Advice,Making A Difference,Saving & Budgeting,Self Employment,Starting a Business
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Making a Difference Family Scholarship for High School Seniors!
March 20, 2015
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154271153Know any high school seniors planning to attend college or community college next year? Then please spread the word about NEFCU’s Making a Difference Family Scholarship! NEFCU will provide twelve $1,000 vouchers to any graduating senior who is either a member, or has a parent or guardian who is a member, of NEFCU.

Winners will be selected by NEFCU’s scholarship committee approximately 6-8 weeks following the submission deadline.

Deadline to apply is April 30, 2015. So please spread the word and see details here.

 

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// Categories: Making A Difference,Off Topic,Scholarships & Event Information
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4 Strategies to Keep Customers Coming Back
March 12, 2015
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In 2015, it will no longer be enough to differentiate a single company from the competition by creating quality products and delivering exceptional services alone.

86806746Instead, companies will need to consider the true value of their customer relationships and provide meaningful value in return. Here are four strategies for businesses written by Andrew Reid, to be sure customers keep coming back.

 

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// Categories: Career Advice,Self Employment,Starting a Business
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Why Some People Get Promoted (And Others Don’t)
February 26, 2015
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“Research confirms that there’s a real disconnect between your performance and your job outcome.”

stk128227rkeThis interesting article by Janet Choi explores ways in which you can help to ensure your success in moving forward to that next step.

For example, do you assume that those you work with, including your boss, have a good understanding of what you’re achieving with your time? Keep in mind that unless you are proactive about reporting your accomplishments, there’s a good chance that you may go unrecognized. Even those who care about you and are proactive in your development can be sidetracked by their own workload – which is why it is helpful to make relevant information prominently visible to them.

Read on to learn more.

 

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The 12 Psychological Tips You Can Use to Boost Productivity
February 12, 2015
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By Sean Mize

188116692 ProductivityDo you want to increase your productivity in such a way that you get more done in less time and get more done with less work?

So often, when we think about productivity, we think about time management tricks, ways to work faster, and how to get motivated. It’s all about more, more, and more. Which works in the short run. Those temporal things help us work faster and get more done in the short run.

But in the long run, we can burn out. We do too much, too fast, and our bodies can’t keep up. Or our minds get overworked and that can take 6 months to 2 years or more to reverse.

So what if we were to use another route to get the same – or better – productivity, rather than using these tricks and faster, faster, faster techniques?

I believe the answer lies in our underlying core motivation, our internal desire and drive, and the real-world implementation of the most important things. And one way to achieve these internal states of mind that lead to real productivity without the drawbacks of working faster is to influence our own psychological state.

So today I’ll share with you 12 psychological tricks that can help you influence your own psychological state in such a way that you reframe your mindset to create a mental environment that safely results in increased productivity.

Read on to learn more.

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