Full Focus Planner: The Ultimate in Planning and Organization

In a world that is constantly becoming more digitized, the Full Focus Planner stands out like a snowman on a beach. After all, it’s not an app or a website – it’s an analog tool. No touchscreens, automatic uploads or complicated algorithms here!

What made self-proclaimed techie, Michael Hyatt, design and create a physical planner? And why does he think his product will change people’s lives?

“I love paper,” Hyatt asserts. “It’s the best reading app around.”

Hyatt explains that, despite their incredible efficiency, technology can also be incredibly distracting. Multiple screens, apps and pop-ups can divide your focus and inhibit your productivity.

In contrast, research shows that, when people write something down instead of inputting it into a computer, they retain more of the information. Writing by hand engages several parts of the brain and creates stronger memory cues. Writing out your yearly, monthly and weekly goals will make them stick in your mind.

The Planner offers a lot more than just a paper trail for your activities. It’s designed to help you achieve the goals you have for yourself and your business.

In a brilliant innovation that combines Hyatt’s goal-setting strategy with proven productivity methodology, The Full Focus Planner will connect your long-term goals with your daily tasks. And, best of all, it goes with you everywhere – the office, the airport, the coffee shop — so you can review your goals wherever you are.

Here’s what you can expect from the Full Focus Planner:

1.) Goal achievement strategy

The Full Focus Planner’s scientific method for planning and achieving goals will be your guide toward personal and professional achievement.

2.) Task tracking

Utilizing a personalized chart, you can track the tasks you complete on a daily basis, marking down your estimated time and actual completion time to facilitate better planning and goal-reaching.

3.) Finance tracking

Keeping your finances in order by frequently reviewing your accounts and spending habits will help you stick to your budget and reach your financial goals sooner.

4.) Habit tracker

Easily track your older and newer habits. This will help you evaluate which actions are holding you back from achieving and which ones are helping you move forward.

5.) Life visualize

Create a picture of your future and your career dreams to help you focus on your long-term goals.

6.) Monthly goal setting

Visualize your monthly goal. Create appropriate to-do lists and a plan for upcoming tasks that will enable you to reach your goal.

7.) Weekly planner

Planning and reviewing a weekly schedule will help keep your days focused and productive.

8.) 30-day challenge

Sometimes it’s good to take on more than you think you can handle. Challenge yourself each month with a goal that takes a bit more effort and watch your dreams turn into reality.

9.) Self-reflection

It’s important to be tuned into your inner self as you work toward your goals. Are you happy with the direction your life is taking? How can you improve your character? Self-reflection will help you listen to your inner voice.

10.) Failure mode analysis

Everyone messes up at times. Learn from your mistakes by using the planner’s systematic method for identifying where you went wrong.

11.) Stay motivated

An empty cup can’t pour. Keep your cup full with inspirational quotes and by tracking your progress and taking pride in all you’ve accomplished.

Your Turn: What keeps you from actually reaching your dreams? Share your biggest productivity pitfalls in the comments so we can all learn what does and doesn’t work!

SOURCES:
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Glassdoor Names Jeff Sermon a Highest-Rated CEO

Our employees are to thank today as Jeff Sermon is named one of the Highest Rated CEOs on Glassdoor, according to the company’s most recent report. Glassdoor®, one of the world’s largest and fastest growing job sites, released its annual report highlighting the Highest Rated CEOs in several countries throughout North America and Europe.

Jeff Sermon appears on the U.S. Small & Medium Companies list with an impressive Glassdoor rating of 97%, due in part to recent efforts around the UCCU 60 Years celebration and the successful implementation of a new and upgraded banking system.

CEO approval ratings are gathered through Glassdoor’s online company review survey, which gathers current and former employee sentiment about job and company satisfaction, the work environment and the culture. Employees are asked to rate a number of workplace factors like compensation and benefits as well as work-life balance, and asked whether they approve, disapprove or are neutral about the job their CEO is doing. In addition, employees are asked to describe some of the upsides and downsides of working for the company and provide any advice for senior management.

Check out the complete list of Highest Rated CEOs in 2017 on the U.S. SMB list here: https://www.glassdoor.com/Award/Highest-Rated-CEOs-at-SMBs-LST_KQ0,26.htm

 

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4 Tips for Using Your Summer Auto Loan Sale

Congratulations! You’ve locked in the Summer Loan Sale rate, but now you’re wondering what you can do with it. Here are four tips for using your low rate before August 31, 2017.

Buy a New Car

With Auto Loan rates on the rise, use this low rate and our 10 Essential Car-Buying Tips to find the best deal for you and your family. New cars are a great purchase because you can have peace of mind, knowing any potential repairs will most likely be covered by the warranty.

Remember, there are typically three separate transactions or negotiations involved in buying a car.

  1. The price for the new car
  2. The price for your trade-in
  3. The financing

With this locked in rate, we’ve taken care of one-third of the purchase process! So now you can relax and focus on the other negotiations.

Refinance a Higher-Rate Auto Loan

Rates go up and down with time, and depending on the institution you financed your last car through, you might have a higher rate than you would prefer. With your low rate locked in, you may be able to refinance any auto loans you might have with other institutions any time before August 31, 2017. Any one of our auto loan experts available in every branch can help you gather all the correct information and get you the lowest rate possible!

Buy a Used Car

Buying a used car is often a smart financial choice for many reasons (just like your low auto loan rate with UCCU). A used car often reduces your insurance costs and registrations fees. Since your low rate is good for cars that are 2010 or newer, take the time you need to shop around and find the best deal! That’s the beauty of locking in your rate; you can make deliberate, smart financial decisions instead of rushing.

Share with Your Family

Family is there to support and help each other, so what better way to help someone than giving them the gift of a low auto loan rate? Your immediate family members can use the low rate you locked in and you can be the hero at the next family dinner party!

If you haven’t already, be sure to go to uccu.com/summer to lock in your Summer Auto Loan Sale base rate as low as 2.99%!*

*Any person who completes the lock-in request form at uccu.com/summer prior to 11:59 pm on July 31st, 2017 receives an auto loan interest rate lock as low as 2.99% APR (base rate). 60-month term or less, on 2010 models or newer. The 2.99% base rate redemption period will expire at 5:30 pm Thursday, August 31st, 2017. Immediate family members of those who successfully lock-in the 2.99% base rate can also use the rate. Can be used to refinance auto loans from other institutions or to purchase a new or used auto. Annual percentage rate (APR). Subject to membership eligibility. Some restrictions may apply. Limited time offer. Available on approved credit only. Federally insured by NCUA.

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How is a Credit Score Measured?

A credit score provides access to financing for major life purchases such as a car, a home, and even tuition. Credit scores also unlock household utility services, including mobile phone and internet services.

But how is credit scored? Since higher scores can result in lower fees, it’s vital to understand what makes up a credit score. Here are the five components that make up a credit score, in order importance:

Payment History – 35%: Paying back debts on time has a positive impact while late payments, judgments, and charge-offs have a negative impact. Key factors include how late a payment was, how much was owed, how recently the late payment occurred, and how many late payments a person has.

Amounts Owed – 30%: This factor marks the ratio between used versus available credit. Credit card users should make an effort to keep balances as close to zero as possible. Paying off balances each month rather than only making minimum payments also has a positive impact.

Credit History – 15%: This marks when a credit line was established. A long credit history is stronger than new or little to no credit history. If you have older credit cards with no balance (and no annual fee), keep them open. This will preserve the longevity of your credit history.

Mix of Credit – 10%: This includes credit cards, retail accounts, auto loans, and mortgage loans you have. Credit mix isn’t typically a key factor in determining a credit score unless there is not a lot of information on your credit report to use as a basis for your score.

New Credit Inquiries – 10%: This quantifies the number of inquiries or requests for new credit within a 12-month period. While some individual inquiries can impact your credit score, multiple inquiries from mortgage lenders within a short period of time are usually treated as a single inquiry with little impact on a credit score.

Have more questions? Contact one of our UCCU Mortgage Loan Officers and they can help you get answers!

Source: myFICO.com

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We Love Our Members

Thank you for being a member of Utah Community Credit Union. Our mission is simple: to inspire smart financial decisions, to work together to support each other, and to help you make your money go further.

UCCU began over 60 years ago as BYU Federal Credit Union. What better way to thank our members than with free ice cream from the BYU Creamery?

Stop by any UCCU branch during the month of June to get a voucher for a half gallon of BYU Creamery Ice Cream.*

*Limited time offer. One voucher per member age 18 and older.

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Newlyweds: Don’t let Financial Stress Take the Cake

Of all the things to discuss before marriage, finances are the least exciting. Statistically, money is the top reason couples argue and financial arguments are among the top predictors of divorce.

So, how can you avoid becoming a statistic? Here are some ideas from the experts:

Talk To Each Other

  • A 2013 poll by the National Foundation for Credit Counseling  found 68% of engaged couples have negative attitudes about discussing money. To 45%, it’s “necessary but awkward,” and 7% say it’s “likely to lead to a fight.” Five percent predict it would call off the wedding.
  • The result? Couples don’t talk finances. A Fidelity survey found that over one-third don’t know their partner’s salary, of which 72% think they communicate “very well” about finances.

It’s not surprising: What’s romantic about debt, budgets or taxes? Nobody can ensure newlywed happiness, but experts agree: Don’t wait.

Discuss taxes now. If you’re both employed, the “marriage penalty” may cost you more; consider marrying in January. But if one spouse earns the majority, you’ll enjoy a “marriage bonus” and a December wedding might be wise.

Talking about money now is important, but so is how. SmartMoney found that over 70% of couples talk about money weekly. The problem? “Most of us don’t know how to talk about money,” says Mary Claire Allvine, certified financial planner. “People tend to be emotional and reactive, not strategic.”

Whether you talk money weekly or monthly, agree on a system and stay open to change.

Get Started

Start easy: “What’s your first money memory?” “How did you spend your allowance?” Then, go further:

  •  “Are you a spender or saver?” – If one saves and one spends, create a budget considering both styles. Studies show that men and women spend differently. Women tackle daily expenses (groceries, utilities, clothes); men make larger purchases (TVs, cars, computers). Amounts might be equal, but perceptions differ. About 36% of partners don’t discuss big purchases; that’s a recipe for disaster.
  • “Are you in debt?” – Your spouse’s debt doesn’t become yours, but it affects your choices. Heavy credit card debt complicates home buying. Make reducing debt a priority.  A TD Ameritrade survey found 38% of partners unaware of the other’s debts.
  • “What are your financial goals?” “Where do you want to be in five or 20 years?” – Goal-oriented people progress toward savings and investing targets faster. Decide on the targets: buying a home, starting a family, being debt-free. List your goals, then share and plan together.

Know what’s important to each other: things or experiences? A house or saving for retirement? Clarify these values early on in the marriage.

Trust Each Other

A Money survey revealed that those who trust their partner with finances feel more secure and argue less. That trust isn’t common among newlyweds.

Be honest. If you made a foolish purchase, own up to it. Some 40% of partners have lied about the price of a purchase. Lying about money has huge repercussions.

Support one another; finger-pointing or retreating won’t help. Instead, work together on a plan.

You’re Still Individuals

Celebrate differences. Your bargain-hunter should do the spending while you invest the savings. Choose a monthly amount each can spend, no questions asked. Money claims the average is $150.

A joint bank account has pros and cons. SmartMoney found 64% of couples put all their money in joint accounts; 14% kept everything separate. Many newlyweds choose both: yours, mine, and ours. Calculate shared living expenses and then contribute your portion of those costs.

Ask For Help

If money conversations are tough, hire a professional. Your credit union can help. Act now to ensure money won’t prevent your wedded bliss.

SOURCES:

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In Loving Memory of Coach Lavell Edwards

As we celebrated our 60th Anniversary, we had the privilege of working with a member of this community that we greatly admire: former BYU head football coach, Lavell Edwards. We’d like to thank Coach Edwards and his eternal companion, Patti, for this incredible experience and for the legacy they’ve given to this community.

Thank you Coach and Patti Edwards!

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Cash for Schools

We’re proud to work together with our members to support important causes in our community. Through UCCU’s 60th Anniversary Cash for Schools program, we paid cash rebates to our members for every loan they transferred to UCCU while matching those rebates with donations to local schools of our members’ choosing. Here’s a quick breakdown of how our local schools were benefited:

Provo School District: $4,161

Nebo School District: $4,591

Alpine School District: $3,922

Other schools throughout Utah: $6,249

Total: $18,923

Thank you for helping us help our local schools during our 60th Anniversary Celebration.

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UCCU Cross Town Clash!

Did you know that two of the largest universities in our state – BYU and UVU – compete in five different sports, every single year? It’s called the UCCU Cross Town Clash and you won’t want to miss a single game!

So bring your family and bring your friends. Wear your green, wear your blue, or wear both! Show your community pride as we support these amazing universities and build traditions that inspire higher education, sportsmanship, and alumni pride.

Every sport, every game, every season… brought to you by your friends at UCCU.

Visit uccu.com/clash to see a full schedule and get your UCCU member special ticket pricing!

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6 Buyer Tips for Hot Housing Markets

Couple outside new home

The housing market is heating up! For buyers, this may lead to submitting multiple offers or a potential bidding war. If you or someone you know is in the market to buy a home, here are six ways to give your offer the best chance for seller acceptance, especially when the competition is stiff:

Get preapproved: Go through the process to be pre-approved so you know your purchase ability, and have a strong cover letter prepared for your seller.

Don’t lowball: When making offers, try to be first and don’t lowball. Being first to the negotiating table plants you in the seller’s mind. But when listings are scarce, lowball offers are a losing strategy.

Opt for an escalation clause: In a hot market you can opt for an escalation clause in your offer that tells the seller you will beat any offer exceeding your bid by $1,000, up to a maximum amount of your choosing.

Perform inspections upfront: It may cost a few hundred dollars, but having an inspection performed upfront shows your’re serious. And when you make an offer without contingencies, sellers pay attention.

Tell them you love it: Ask you agent to deliver a letter listing the reasons why this house is perfect for your family (include pictures and be specific).

Don’t overpay: Do your research on the market by reviewing comparable property sales prices, schools, and online reviews for local businesses. Chat with your potential neighbors as well to get a wealth of information as well as a possible inside scoop.

What other tips do you have for navigating a hot housing market? Leave your tips in the comments!

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