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    Gift giving can be fun and is part of the holiday season. Nevertheless the perfect gift for an infant or young child is to partipate in a CHET. The minimum amount to open an account is $25 and the person opening the account can deduct this off their taxes which I think is wonderful benefit. Forget about those toys and clothes the children outgrow so fast and give them the practical gift they can use for their future education. If you feel as if you do not want to manage the CHET buy a savings bond. It may seem like a boring gift but after years of interest they will never forget that perfect gift

  2. So does everyones else feel sorry for the Connecticut state lawmakers for working till 3:00am to stop the tax increase on gas for July 1st. I’m just concerned as to how they are going to make up the money they are going to lose. They did not even mention that!!!!

  3. Maybe if they worked everyday for 8-10 hours they would not have had to work until 3AM one day. Do we know if they get OT or are they just overpaid in general 🙂

    As far as making up lost money, Don’t you worry there will be an increase in some other tax. Maybe it will be one they can sneak in before people have a chance to protest.

    Alcohol and Tobacco are the usual scapegoats. I can live with out Tobacco but Alcohol!!!!

  4. Hi Rudy,

    Very interesting! I’ll keep this topic under consideration for future posting.



  5. Hi Marv,

    While there are some similarities between credit unions and banks, certain features are unique to credit unions:

    No one person or organization owns a credit union. It is owned and governed by its members. As a cooperative, it exists solely to provide members with affordable, convenient financial services.

    Earnings are returned, after operating expenses are deducted, to members in the form of higher interest on their deposits, lower loan rates and additional financial products and services.

    Member Owned
    A credit union is owned by its members, who elect its leadership (Board of Directors). The Board of Directors serve one a non-paid volunteer basis. Each member owns one share of the credit union regardless of how many accounts he/she has or how much is on deposit. Credit union members have a direct say in the workings of their cooperative through democratic vote, with each member getting one vote.

    How are credit union deposits insured?
    Members can rest assured that their funds are safe and secure. The credit union’s federal regulating agency is the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA regulates our deposit insurance. Each member’s deposits are insured by the NCUA up to $100,000. The NCUA Deposit Fund is a separate fund from the FDIC (a deposit insurance fund for banks). Individual Retirement Accounts are insured separately by the NCUA up to $250,000 per account.

    Also, here are some fun videos that share some of the differences between credit unions and banks:

    Hope this helps!


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