All posts by Achieva Credit Union

October 2, 2020
0
What Part Do You Play in a Gig Economy?

What Part Do You Play in a Gig Economy?

By | Articles, Finance | No Comments
Roughly 70 million people have a side hustle. Self-made entrepreneurs participate in jobs ranging from photography to food delivery. In today's gig economy, what part do you play? What is the definition of a gig economy? A gig economy refers to the abundance of contract workers who take jobs on-demand. To make ends meet, people have either cut their monthly expenses or increased their income by freelancing. The "gigs" equate to small, temporary jobs, such as delivering groceries or providing a Lyft. However, it's quick, legitimate money for someone in need. Fifty percent of Millennials have a side hustle. Additionally, those on...
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September 30, 2020
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How to Increase Your Work-from-Home Productivity

Increase Your Work-from-Home Productivity Matrix

By | Articles, Work and Productivity | No Comments
After spending hours inside a tiny cubicle, transitioning to a comfortable home office sounds like the perfect option. You can have flexibility in your work-from-home productivity. You can rest your feet on top of your desk. (If you decide to have a desk at all.) And, even best, you can spend the entire day in your pajamas.  There's no question that remote work has its benefits. Yet, despite the sentiment, virtual employees still undergo many challenges. The lack of structure tests their time management, as well as their ability to uphold accuracy. Some even report that prolonged isolation has decreased...
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September 18, 2020
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Money Advice From a Successful Hispanic Entrepreneur

Money Advice from a Successful Hispanic Entrepreneur

By | Articles, Finance | No Comments
National Hispanic Heritage Month honors the cultures and history of both Hispanic and Latin Americans. Each year, from September 15th to October 15th, we celebrate the contributions of those from Spain, Mexico, the Caribbean, and Central and South America. This article will highlight the story of a successful Hispanic entrepreneur and the journey he took to gain prosperity. Learn what this Colombian-born millionaire thinks about money, business, and of course, dancing.  Beto Perez had impoverished beginnings As the creator of the highly energetic dancing workout, called Zumba, Beto Perez retains a $30 million net worth. He is world-famous and considered...
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September 11, 2020
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How to Apply for Federal Student Aid

How to Apply for Federal Student Aid

By | Articles, College Life, Finance | No Comments
As the current job market transitions from in-person to remote, many are called to learn new skills. Colleges have noticed a shift in preference and an uprise of interest in computer-related degrees. Since the average Associate's for Information Technology costs $18,000 a year, federal student aid applications seem almost standard. What types of student loans are there? And what should you know before you apply? Find out the answers, as well as helpful tips for first-timers below. How old do you have to be to apply for federal student aid? To apply as an independent student, the applicant must be...
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September 8, 2020
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FTC Warns About the Rise in Work-at-Home Scams

Don’t Fall Victim to Work-at-Home Scams

By | Articles, Finance | No Comments
There's a phone call. A friendly voice wants to follow up with your application. The person lists their credentials and states that they're interested in hiring you. It's one of the most common work-at-home scams encompassing our economy. Essentially a phone phisher, they promise a job you can perform in the comfort of your home, as long as you answer a few questions first.    The FTC warns about giving personally identifiable information (PII) over the phone. While there are legitimate companies that conduct telecom interviews, there are very few instances when they take your social security number at the...
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September 3, 2020
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How to Negotiate Car Financing For a Better Deal

How to Negotiate Car Financing For a Better Deal

By | Articles, Finance | No Comments
Imagine you're sitting in an office at the dealership, and the sales associate returns with bad news. They don't have the authority to complete the deal without approval from the finance manager. You know they are going to ask you to provide more money per month; or a larger down payment. If only there were a way to save time and negotiate car financing like a pro. While most of us have been through the hassle of buying a new car at least once, not everyone understands the complete process. Even if you prefer to shop a used vehicle, negotiating...
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August 30, 2020
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Secret Airbnb Booking Tips That Will Save You Money

Clever Airbnb Booking Tips That Will Save You Money

By | Articles, Lifestyle | No Comments
Winter is just a few months away, and it's time to think about how you will spend your holiday. For some, the December break calls for a quiet trip to the mountains. For others, they prefer traveling closer to the equator for year-round fun in the sun. Regardless of what your final choice is, use these secret Airbnb booking tips to save serious cash. Airbnb introduces enhanced cleaning protocols A recent press release from Airbnb describes changes to rental cleaning requirements. The increased efforts vow to keep vacationers safe and offer consumers more for their money, such as private kitchens and...
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August 12, 2020
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Cut Monthly Expenses with 6 Simple Tricks

Creative Ways To Cut Monthly Expenses

By | Articles, Finance, Lifestyle | No Comments
It's a common desire to want flexibility within our budgets. Households all across the United States either want to increase their intake, cut monthly expenses, or in best-case scenarios, both. What if we told you that a slight change in behavior would go a long way? How's an extra $1200 left in your budget every year sound?  What mastering the "latte factor" does for your budget As we begin this article, we'll get the most obvious way to cut monthly expenses out into the open. The "latte factor" regards to the appeal presented by drive-thru coffee. As mentioned before, skipping...
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August 7, 2020
1
Recession-Proof Business Ideas to Keep Afloat

Recession-Proof Business Ideas That Stay Profitable

By | Articles, Business | No Comments
For the recent grads of 2020, choosing a career path serves to be a daunting task. College feels right, but what area of study should they choose? Even more so, adults looking to renew their skillset are having difficulty picking a subject of interest. The market needs recession-proof business ideas, and it needs it now. What we've learned from the pandemic is that no situation remains static. All areas of life, as we know, change. From the realization of vulnerability and adjusting vitality, what can we do to become more stable? Where's the best place to put our focus? Experts...
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August 4, 2020
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Essential Sinking Fund Categories to Use in Your Budget

Essential Sinking Fund Categories to Use in Your Budget

By | Articles, Finance | No Comments
Everyday life requires its own set of quintessential purchases. There are things that every budget should account for, like food, water, and shelter. Additionally, there must be a plan for occasional spending on higher-priced items, such as cars, washing machines, and other primary goods. While sinking fund categories vary from household to household, the steps to obtain the resources are mainly the same.  Why Do I Need a Sinking Fund? A sinking fund is necessary because it keeps people out of financial hardship. Instead of being caught off guard, the household creates a plan to save for larger purchases. For...
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Achieva Life blogs and articles are intended to provide general information, thoughts, and articles in regards to the topics covered therein. Achieva Life is provided with the intent and understanding that Achieva Credit Union is not engaged in the act of rendering financial, consulting, medical, technological, legal, accounting or any other professional advice. The information provided within Achieva Life is not intended nor should be used as a substitute for medical, legal, or other professional advice or other expert opinions. Achieva Credit Union is not responsible for the accuracy of the information on Achieva Life and makes no representation regarding the accuracy of the content. Achieva Credit Union reserves the right to delete or block any comments. The content and comments on Achieva Life do not necessarily reflect the views of Achieva Credit Union.

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Federally Insured by NCUA.

Equal Housing Lender