Day: July 28, 2023

Enjoy more treats with a checking account that pays you!Enjoy more treats with a checking account that pays you!

July 28, 2023July 28, 2023| Tom ArmstrongTom Armstrong| 0 Comment| 12:00 am

AT CANOPY, WE BELIEVE IN GOING ABOVE AND BEYOND FOR OUR MEMBERS.

Having products that also go the extra mile for members is important to us. Now, our KASASA Checking accounts are even BETTER, with members getting paid more than ever for banking Local.

Our Kasasa Rewards Checking account now provides up to $12 cash back each month. Here’s how it works. You earn 4.00% cash back on up to $300 in debit card purchases monthly when your account qualifies. That’s up to $12 cash back each month, which is $144 each year! 

All you have to do to qualify is enroll in eStatements and have 12 or more debit card purchases every month. Did we mention you also get up to $20 monthly in refunds on ATM fees nationwide?

Now the question is, what could you do with an extra $12 in your budget every month? Here are a few ideas to get you started!

Pay your streaming subscriptions!

It can be hard to say goodbye to your favorite shows, but budgets can be tight. Finding the best streaming service for you can take some trial and error that takes a toll on your wallet. Take the time to make a decision about one to two streaming Services work best for you. Then use your $12 towards covering the cost of a streaming service. That will help you truly settle back and enjoy the show!

 

Treat a friend and you to coffee

Getting together over a “cup of joe” can lead to special moments. Intentionally setting aside time and your $12 to catch up with a friend is a great way to make the most out of your money. Exchange your $12 for two $4 coffees, a $2 pastry to share and little extra for tax and a tip!

 

Put towards gas money

Put your extra $12 toward your gas money is another way to utilize this free cash! While $12 might not make a huge dent, it will take you a few more miles.  

 

Buy local goods!

Take your $12 and see how you can support local businesses with your extra cash. At a farmer’s market, make a game out of seeing how much bang you can get for your buck. With a bunch of carrots, freshly picked apples and a jar of local honey, you will have won big time with your rewards.

 

Cover your gym membership!

Get your sweat on, for free! Use your $12 to cover monthly gym membership fees. That way just you will be doing the heavy lifting, not your wallet. 

 

Let the music roll on – for free

Put your $12 to work by budgeting it to cover the cost of your favorite digital music service. Free tunes will be music to your ears!

 

Pay it forward!

There are so many ways to pass along the love! What if you utilized the $12 you earned to make other people’s day? Each month, make a plan to give back with your $12. Maybe that is a couple extra bucks in the tip jar at your local coffee shop, or paying for the person behind you at a restaurant.

 

$12×12=$144!

Now, what if you saved up that $12 each month and budgeted for one special treat with the $144 that you earned? With that extra cash, you can make special memories or even knock something off of your ever-growing to-do list.

  • Fancy dinner for two
  • Washington Parks Discover Pass for $35 and a new pair of hiking boots to hit the trails
  • Tickets to your favorite sporting event
  • New outfit for a night out on the town
  • Deluxe car detail – who knows how long those fries have been underneath the seat?
  • Plane ticket to get out of town!
  • Fresh set of housing cleaning supplies – laundry detergent, paper towels, toilet bowl cleaner – oh my!
  • A day at the spa
  • New patio furniture
  • 10 bags of your dog’s favorite treats – they are your best friend after all!

To learn more information about this topic, please check out Canopy CU

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Dealing with Lock Issues? The Ultimate Handbook to Professional Locksmith AssistanceDealing with Lock Issues? The Ultimate Handbook to Professional Locksmith Assistance

July 28, 2023July 28, 2023| TuyetTuyet| 0 Comment| 12:00 am

Every day,individuals find themselves in scenarios where they need the support of a expert locksmith. Here’s a fast guide,from asap-locksmith-pros.com,on the four primary Services you’ll likely need at one point or another.

When Emergencies Strike: Emergency Situation Locksmith Services

Ever had that sinking sensation when you understand you’re locked out of your car at one of the big grocery store parking lot in Houston? Maybe it’s a damaged key stuck in your home door lock in the early hours of the early morning? Circumstances like these require emergency situation locksmith services.

Emergency locksmith professionals are the superheroes of the lock world. They’re ready to swoop in,24/7,to rescue you from the distress of damaged,lost or malfunctioning keys. Equipped with specialized tools and know-how,they’ll have you back inside in no time,with minimal disturbance.

A Location of Security: Residential Locksmith Guide

Residences are implied to be safe havens,but how safe is yours,actually? Residential locksmith services make sure that your home is burglar-proof. They can set up brand-new locks,rekey existing ones,or recommend high-Security lock systems to provide top-notch security.

Keep in mind,it’s not almost the primary doors. A residential locksmith will also secure your windows,garage,and any other prospective entry points to make your home a fortress no matter which area of Houston you’re in (and there are a lot).

Fortifying Your Service: Commercial Locksmith Solutions

The diverse businesses in Houston have distinct security requirements. A Business locksmith is familiar with complex security systems ideal for services,from master key systems to cutting edge electronic locks and gain access to control systems. They can likewise protect your cabinets,safes,and more.

After all,the security of your service isn’t practically safeguarding physical properties. It has to do with protecting your effort,your credibility,and your assurance.

On the Road: Automotive Locksmith Solutions

There’s nothing quite as aggravating as a vehicle lockout. Fortunately,automotive locksmith professionals focus on these kinds of predicaments. Whether it’s a lockout,a lost vehicle secret,or problems with your ignition switch,these pros have got your back.

And it’s not practically getting you back in your cars and truck. With transponder key programming,they can even prevent your cars and truck from being stolen.

In Conclusion

Whether it’s an emergency,property,industrial,or automotive situation,professional locksmiths are your go-to option. They have the Training and tools to take on any lock or key-related issue then go to they are open 24 hours. So the next time you find yourself believing,”I wish I understood a great locksmith near me”,remember this guide,and rest easy.

Remember,a reputable lock can make all the difference in keeping your residential or commercial property safe. It’s not almost being locked out – it has to do with being locked in,securely.

ASAP Locksmith Pros
Address: 14520 Memorial Dr #68 Houston,TX 77079
Phone: (832) 404-0102
Website: asap-locksmith-pros.com

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Anticipating a Decrease in Interest Rates Next Year: Factors and ImplicationsAnticipating a Decrease in Interest Rates Next Year: Factors and Implications

July 28, 2023July 28, 2023| TuyetTuyet| 0 Comment| 12:00 am

Introduction:

As we peer into the future, the outlook for interest rates appears poised for a downward trajectory. The global Financial landscape is subject to various factors, both domestic and international, that are expected to exert downward pressure on interest rates next year. In this article, we will delve into the reasons behind this projection and explore the potential implications for various stakeholders, from borrowers to investors.

1. Economic Growth and Inflation:

One of the primary drivers of interest rate movements is the state of the economy. Economic growth plays a pivotal role in shaping central bank policies and monetary decisions. Should economic growth moderate or face headwinds, central banks often respond by lowering interest rates to stimulate borrowing and investment.

Furthermore, inflation is a crucial indicator that influences interest rates. Currently, many economies are experiencing relatively modest inflation rates, which provide central banks with room to maneuver. If inflation remains under control and below target levels, central banks may opt to reduce interest rates to stimulate economic activity.

2. Central Bank Policies:

Central banks around the world have the responsibility of maintaining price stability and fostering economic growth. In an environment where economic indicators suggest the need for monetary easing, central banks tend to reduce interest rates. By decreasing borrowing costs, they aim to encourage businesses and individuals to invest, spend, and borrow, thus boosting economic activity.

Given the existing global economic conditions and the desire to support growth, central banks are expected to take measures to reduce interest rates. However, the specific timing and extent of rate cuts will depend on each country’s unique circumstances and the central bank’s assessment of the economy.

3. Global Economic Uncertainty:

International economic developments can significantly influence interest rate trends. Global economic uncertainty, such as trade tensions, geopolitical risks, or financial market volatility, often prompts central banks to adopt accommodative monetary policies, including interest rate cuts. By lowering rates, they intend to cushion the impact of external shocks and promote stability.

As the world navigates ongoing challenges, including the aftermath of the pandemic, interest rates are likely to be adjusted accordingly. Policymakers will closely monitor global economic indicators and respond with appropriate measures to support their respective economies.

4. Investor Sentiment and Financial Markets:

Investor sentiment and market dynamics also play a crucial role in shaping interest rate trends. As interest rates decrease, investors may seek alternative investment opportunities to achieve higher returns. This behavior can lead to increased demand for riskier assets such as stocks and real estate, potentially boosting asset prices.

Lower interest rates can also stimulate borrowing, which may spur investment in capital projects and infrastructure. Such investments have the potential to support economic growth and contribute to increased productivity and job creation. Some of the most important benefits of lower interest rates will help stimulate home buying, remodeling loans, construction loans, land loans and builder loans.

Conclusion:

In summary, a confluence of factors suggests that interest rates are likely to come down next year. Economic growth, inflation levels, central bank policies, global economic uncertainty, and investor sentiment all contribute to this projection. Lower interest rates can stimulate borrowing, foster investment, and support economic growth, benefiting both businesses and individuals.

It is important to note that the exact timing and extent of interest rate adjustments will depend on the prevailing economic conditions and the actions of central banks worldwide. However, the expectation of a downward trajectory for interest rates provides an opportunity for borrowers to secure loans at lower costs and for investors to assess their portfolio strategies in light of potential changes.

As with any financial forecast, it is essential to closely monitor economic indicators and stay informed about evolving market conditions. Consulting with financial professionals and leveraging the expertise of financial institutions can provide individuals and businesses with valuable insights and guidance to make informed decisions in response to changing interest rate environments.

Ultimately, a nuanced understanding of the factors driving interest rate movements enables individuals and businesses to adapt their financial strategies effectively, capitalize on opportunities, and navigate the evolving global economic landscape.

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