410-534-4500 | 1-800-JHFCU-70 jhfcu.org Working on Your New Year’s Resolutions? We Can Help Check Some Off Your List The holidays are over and the bills will start to roll in. If you didn’t plan ahead this year, don’t worry. We can still help you pay down the debt without breaking the bank. Come in and meet with one of our service representatives so we can review your current financial situation to come up with a payment and savings plan together. Now would be the perfect time to consolidate most of your bills into one monthly payment, which could save you hundreds each month. Or get a new credit card with a lower interest rate. Many people carry the same card for years and just don’t think about checking into a better deal. You could save thousands in interest charges with just a reduction of a few points in your rate. Use our credit card optimizer calculator (under “Financial Tools & Resources”) a t jhfcu.org to estimate your savings. Our JHFCU Visa®Platinum Card comes with no balance transfer fee* and a much lower rate than the department stores where you may have charged your holidays gifts. Make a transfer and start saving immediately. Stop in or give us a call today at 410-534-4500, ext. 503 . We’re sure we can help you pay off your holiday shopping bills and set you up with a savings plan so you’re prepared this year. New Year’s Resolutions Evaluating your progress each year and resolving to make changes is good practice in helping you reach your goals now and into the future. Your goals can be personal growth goals like patience and kindness. Educational goals like taking more advanced courses or reading the classics. Fitness goals like incorporating more walking into your day or eating more healthfully. Or financial goals like saving more money or learning about investing. Write them down. Post them where you can see them every day. Plan out the incremental steps you’ll take to achieve them. Before you know it, you’ll be checking them off your list as completed. For more tips on developing and attaining your goals and resolutions, visit mindtools.com . WINTER 2018 JOHNS HOPKINS FEDERAL CREDIT UNION TurboTax ® File Your Taxes the Smarter Way and Save Up to $15 on TurboTax! JHFCU members can get up to $15 off TurboTax federal products. TurboTax translates taxes into simple questions about your life, so you don’t need tax knowledge—or an appointment—to get your taxes done right. TurboTax SmartLook™ even connects you with an expert, live, on-screen so you can get answers when you need them. Start TurboTax today and save! Look for the TurboTax banner and link on jhfcu.org . State filing charges apply. Limited time offer for TurboTax 2017. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners. Visit http://turbotax.intuit.com/lp/yoy/ guarantees.jsp for TurboTax product guarantees and other important information. HOLIDAY CLOSINGS Martin Luther King, Jr. Day Monday, January 15 Presidents’ Day Monday, February 19 You can access your accounts via Online Banking, TeleBranch 24, JHFCU Mobile Banking App and ATMs. *Fee for foreign purchases is 1% of each transaction in U.S. dollars. Cash advance fee is $5 or 2% of the amount of each cash advance, whichever is greater.