Financial Education Seminars Presented by TopLine Federal Credit Union

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TopLine Federal Credit Union takes pride in giving back to the public by holding financial education seminars throughout the year.

People often have questions about money and areas that they can use a little help. Whether you’re curious about saving for college or planning to buy a home, you can’t help but be a little stressed.

If you need some assistance, maybe one of our seminars can help! Each seminar is held at our Maple Grove branch at 9353 Jefferson Highway. All the seminars are free, but reservations are required. To reserve your spot, please call us at 763-391-9494, send an email to RSVP@toplinecu.com or click the ticket tab above to learn more about the seminar at Toplinecu.com/seminars.

Be sure to include names of all attendees in your email response. Please feel free to extend our invitation to others you know who may have interest. Family members and friends are all welcome to attend. Here is a look at our seminars throughout the year:

Teen Driver Seminar (March 15 & September 20)
Is your teen ready to get behind the wheel? Are you ready for your teen to get behind the wheel? This seminar covers tips both you and your teen should know for safe driving and insurance coverage.

Join the TopLine Insurance Agency for a seminar to learn how to insure your teen driver, how adding a teen driver will affect rates, which discounts are available, top safety picks for cars and insurance rates, and safe driving tips to being ready for the unexpected. Plus, we’ll walk through a live auto insurance quote, and you’ll walk away with your free Parent-Teen Contract.

Improve Your Credit Score (March 22)
Learn how to obtain, understand and improve your credit and credit score. In this workshop, you will learn:

  • How to get and read your credit report
  • How your credit score is calculated
  • How to increase your score
  • How to correct errors
  • How to improve negative credit and build good credit
  • Your FCRA rights

Money Lessons from the Movies (April 19)
Americans of all ages love movies and there are valuable lessons about money that can be learned in fun, memorable ways.

This workshop teaches timeless principles of financial decision-making using film clips and group discussions looking at money situations from classic Hollywood, Disney, horror and children’s movies.

First-Time Home Buyer’s Seminar (April 21, May 19, June 23)
Attendees will hear from a TopLine mortgage advisor with insights and individual advice on home buying, including market specifics and inventory, how and what to buy, available home loans that are best for individual needs, what you can expect during the loan process and possible tax qualifications.

Free Youth Financial Literacy Seminars (April 23, October 13)

  • Building Dreams (ages 5-8) 9 AM: Explore the concepts of spending, saving and sharing. Kids will share in a story about saving entitled “Just Saving My Money.” Other activities include age-appropriate discussions and worksheets.
  • Dollar Power (ages 9-13) 10:15 AM: Explore the concepts of needs versus wants, planning and goal setting, saving and paying yourself first, spending wisely and gift cards.
  • Dollars & Sense (ages 14-18) 11:30 AM: Explore the concepts of needs versus wants, planning and goal setting, saving and paying yourself first, sound money management using checking accounts and debit cards, gift cards and using credit wisely.

Lively, thought-provoking questions and real-life examples will get everyone thinking about the importance of balancing needs versus wants and how planning and saving today can really pay off down the road.

Keeping the Cabin in the Family (May 4, September 14)
Concerned with what may happen to the family cabin as it is passed on to the next generation? Learn the importance of estate planning in this seminar.

Road Map for a Happy Retirement (September 27)
Part of success in retirement is the economic security of having retirement savings. Join LSS Financial Counseling and TopLine for a workshop to learn tips to help you with big financial decisions and avoid common mistakes, planning ahead, and holistically, for your time and happiness in this next chapter of life.

Defend Yourself Against Identity Theft (October 18)
Learn about the ways identity theft can happen to adults – or even children. Find simple, effective steps to prevent identity theft, gain confidence in online safety and financial interactions and know the resources to turn to if identity theft happens to you.

Five Consumer Protection Laws You’ll Love to Use (November 8)
Personal finance can be intimidating, but these laws make insurance, banks, mortgage lenders, debt collectors and credit bureaus play fair.

Join LSS Financial Counseling and TopLine for a workshop to learn five consumer protection laws you’ll love to use.

Creating a Savings Plan for the Year

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January is coming to a close, and with it, many people’s New Year’s Resolution hopes. Each year, the top resolutions are about losing and saving: losing weight and saving money. Both can seem like daunting tasks, and although we aren’t experts on weight loss, we do know a thing or two about saving money.

Make Financial Goals
Saving for something special this year? Planning on making a major purchase or home improvement? Sending kids off to college soon? Setting goals for yourself is the first step in making a yearly savings plan. Setting a financial goal for yourself sets your destination in view and creates a timeframe to fulfill it.

Set a Budget
The most important aspect to setting a budget for a savings plan is to be reasonable and realistic. Base your budget on your income and monthly bills — and be sure to keep it flexible, if only at first. People can be overly optimistic about money before their plans are put into practice, and can become discouraged about getting on track.

Cover Small Debts First
This goes along with being realistic; smaller debts are easier to overcome than larger ones, and you don’t want to be paying more interest than you need to. Prioritize your loans into manageable payments and resolve to pay off smaller ones first.

Save for a Rainy Day
According to gobankrates.com, 36 percent of Americans have less than $1,000 in savings. No one knows what the future will bring. You best line of defense is being prepared for the worst. Start a savings account and add to it each month. Even if it’s as little as $20, it’s better than nothing. Save your change in a jar and deposit it at the end of the month, cut back on superfluous spending, turn your thermostat down a couple degrees — whatever you decide, small savings do add up, and they get you in the mindset to build a nest egg. Thesurvivalmom.com has a fantastic savings plan you can use or reformat to fit your budget.

It’s not hard to put a little money away each month — the difficult part is making a reasonable plan and achievable goals, especially a long-term plan for savings. TopLine Federal Credit Union has a ton of savings options to help you reach your goals. Our savings account rates are calculated daily to ensure you the best possible account earnings.

Don’t be another end of January statistic; start your savings off on the right foot, and by the end of the year, you’re sure to see that your dedication -— quite literally — pays off!

 

TopLine celebrates 17th year of Holiday Toy Drive

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TopLine Federal Credit Union is celebrating the 17th year of its Holiday Toy Drive.

The public is able to stop by any TopLine location through December 21 to place a new, unwrapped gift under the holiday tree to benefit Community Emergency Assistance Programs (CEAP), Keystone Community Services and the Toys for Tots Foundation.

People making donations can take an ornament from the tree as our way of saving thank you for your generosity.

TopLine wishes everyone a happy holiday in 2015!

TopLine would like to thank Cheryl, a member of our Como Park branch.

For the last decade, Cheryl has hand-made nearly 300 stuffed animals, which she has graciously donated to our toy drive.

Here is Cheryl in front of of the holiday tree in Como Park.

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Last year, CEAP served nearly 700 families with 1,820 children new toys for the holidays.

CEAP serves Hennepin and Anoka Counties and is a community-based, non-profit agency that partners with other resources to assist people in need.

The mission of CEAP is to stabilize individuals and families in financial distress and to maximize their ability to live independently and with dignity. Visit CEAP.com to learn more.

Keystone’s Gift of Hope program provided gifts for children along with household goods for the adults in each family.

Last year, Keystone was able to provide toys, clothes, gifts and household items for 44 families (278 children and 70 adults). More than 2,800 toys, gifts and household items were donated.

Keystone is a community-based volunteer organization in St. Paul that helps thousands of low-income individuals and families in the East Metro Area. Keystone’s mission is to strengthen the capacity of individual and families to improve their quality of life. Visit keystoneservices.org to learn more.

TopLine Federal Credit Union, a Twin Cities-based credit union, is Minnesota’s 13th-largest, with assets of more than $350 million. Established in 1935, the not-for-profit cooperative offers a complete line of financial services, as well as auto and home insurance, from its five branch locations — in Bloomington, Brooklyn Park, Maple Grove, Plymouth and in St. Paul’s Como Park — as well as by phone, mobile app and online at TopLinecu.com. Membership is available to anyone who lives, works, worships, attends school or volunteers in Anoka, Carver, Dakota, Hennepin, Ramsey, Scott or Washington Counties and their immediate family members.