Articles

March 23, 2021
45
The New Tax Season Deadline Automatically Extends Filing Time

The New Tax Season Deadline Automatically Extends Filing Time

By | Articles, Finance | No Comments
A change to the tax season deadline brings a sigh of relief to many filers. The Treasury Department and Internal Revenue Service announced an automatic extension to the 2020 federal income tax filing due date for individuals. The timeline will move from April 15, 2021, to May 17, 2021. "This continues to be a tough time for many people, and the IRS wants to continue to do everything possible to help taxpayers," said IRS Commissioner Chuck Rettig. The new tax season deadline "will help taxpayers navigate the unusual circumstances related to the pandemic." While the season's extension provides more time,...
Read More
March 12, 2021
45
Deep Cleaning Vs. Spring Cleaning Costs

Deep Cleaning Vs. Spring Cleaning Costs

By | Articles, Lifestyle | No Comments
Everyone loves a tidy home. It feels good to walk into a fresh-smelling room without dirt or dust. However, are there differences between deep cleaning and spring cleaning costs? As we approach the season of renewal, is there a way to make sure we get our money's worth? How much does maid service cost in 2021? When considering spring cleaning costs, there are many things that maid service companies examine before giving a quote. Items include: - square footage - cost per hour - frequency of cleaning - special requests (such as organic cleansers) With that in mind, maid service...
Read More
March 4, 2021
72
Learn the Benefits of Contactless Payments

Learn the Benefits of Contactless Payments

By | Articles, Technology | No Comments
According to a Mastercard® poll, more than half of all Americans use contactless payments. It is the preferred method of checkout for various reasons. Not only is it secure, but it's also faster. There's no need to type a pin into a keypad. Consumers enjoy the ease of Tap & Go®. With your Achieva Mastercard, contactless payments are already on their way. You'll automatically receive an updated card upon the expiration of your old one. Best of all, there are no additional forms or fees.  What technology does contactless payment use?  Contactless cards work by using a specialized chip inside...
Read More
February 26, 2021
47
What is a HELOC Draw Period?

What is a HELOC Draw Period?

By | Articles, Finance, Home Buying | No Comments
A home equity line of credit is a powerful financial tool. Borrowers obtain money by using their homes as collateral. During a HELOC draw period, the borrower has control. They do not have to utilize the full availability if they don't want to.  HELOCs help because the interest rates are usually lower than credit cards. For instance, Achieva Credit Union allows you to borrow for as low as 2.99% APR. You can fund things such as medical expenses, home renovations, or even college expenses. By unlocking your home's value, you can reach your financial goals. Can you pay off your balance...
Read More
February 19, 2021
5

David Steward on Being a Black Billionaire In Tech

By | Articles, Finance, Technology | No Comments
Tech billionaire David Steward changed the structure of the online business experience. His company, World Wide Technology (WWT), is one of the largest Black-owned organizations in the U.S.  In honor of Black History Month, we would like to showcase his contributions to both cyber security and workplace diversity. With business and personal philosophies standing as one, Steward proves that doing GOOD is the best investment. Childhood experiences shaped future business practices Raised in central Missouri, Steward faced poverty and discrimination during his childhood. Because so, gaining profit was never his business motivation. His objective was to serve others. As his...
Read More
February 17, 2021
3
Using Auto Refinancing to Reduce Your Installment Debt

Using Auto Refinancing to Reduce Your Installment Debt

By | Articles, Finance | No Comments
Auto refinancing is an often overlooked term. However, going through the process could save you hundreds of dollars. While many are reactive towards installment debt, changing to a proactive plan will benefit your financial future.  Can you lower your monthly car payment without refinancing? There are three tactics to lower your car payments without going to a new lender. You can: - prepay as long as your current terms do not enforce penalties, - ask your current lender to lower your rates, - or extend your payment timeline.  Each option can lower your payment, but it won't necessarily reduce your...
Read More
February 12, 2021
3
What the FTC Warns About Cryptocurrency Investing

What the FTC Warns About Cryptocurrency Investing

By | Articles, Finance, Technology | No Comments
News about cryptocurrency investing is flooding the headlines. So far, several CEOs (and one city mayor) have announced a sudden interest in Bitcoin. As familiarity grows for digital currency, we though it was a good idea to discuss it in length.  Even with the uptick in Bitcoin activity, the FTC stands by its previous warnings. It is crucial to understand that cryptocurrency investing does not have the same protections as trading with the U.S. dollar. No one can guarantee that you will make money. They also advise against investing money you can't afford to lose.  What is Bitcoin? To understand Bitcoin,...
Read More
February 9, 2021
4
How to Get Rid of High-Interest Debt

How to Get Rid of High-Interest Debt

By | Articles, Finance | No Comments
In regards to owing money, high-interest debt remains the most cumbersome. It seems to grow, even after paying the monthly due amount for what feels like an eternity. Stopping the vicious cycle takes strategy, and we're here to show you how. Continue reading for the full details. Should I pay off the highest balance or highest interest first? If saving money is the goal, you'll typically want to pay off high-interest debt first. The reason is with the way interest accrues. For instance, for an original balance of $1000, at a 9.9% APR, the total interest on consistent $50 payments...
Read More
February 4, 2021
3
These Valentine's Day Scams Will Leave You Broke

These Valentine’s Day Scams Will Leave You Broke

By | Articles, Finance, Technology | No Comments
The holiday is known for love, yet some use it as an opportunity for deceit. Valentine's Day scams come in many forms. Are you aware of them?  Types of Valentine's Day Scams  You may, or may not, be surprised to know that it's more than just romantic hopefuls falling for hoaxes. Valentine's Day scams bombard users through email, search, and social media campaigns. All serve as an opportunity to exploit your banking accounts, as well as your personal identifying information (PII). The content within these scams, such as images of cute hearts and candy, is very sharable. They spread like wildfire, making...
Read More
January 28, 2021
3
This Self-Made Multimillionaire is Only Nine Years Old

This Self-Made Multimillionaire is Only Nine-Years-Old

By | Articles, Finance | No Comments
The YouTube channel, managed by the mother of Ryan Kaji, started with humble beginnings. In 2015, the only directives the then three-year-old Ryan received were to open the boxes and play. His mother filmed the sessions and loaded them to YouTube. Unique to the platform, Ryan's channel was one of the first to unbox and review toys. The innovation gave Ryan an advantage. So much so that now in 2021, the self-made multimillionaire has a net worth of $32 million.  Ryan possesses a star quality within his persona. Peers of his age could watch his videos for hours. They grew...
Read More

Federally Insured by NCUA. Equal Housing Lender.

©2015 Achieva Credit Union. All Rights Reserved

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.

Check the background of this investment professional on FINRA’s BrokerCheck

Federally Insured by NCUA.

Equal Housing Lender