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Lower Your Cost of Home Ownership
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Here are a few tips for lowering your cost of home ownership.

(1) Pay as much attention to lowering your amortization as you do
shopping for a small interest rate advantage. The shorter the
amortization, the less you pay for your home.

(2) Double up payments. Paying bi-weekly builds equity faster
and decreases overall interest.

(3) Build anniversary lump sum payments into your monthly savings
plan so you have the money available every year to reduce the
principle - which in return decreases the interest you'll pay.

So what's the bottom line?  Work with a Fire Services Credit
Union Coach [http://www.firecreditunion.ca/contactus/] to create
a home ownership payment strategy that reduces your costs and
gets you mortgage free sooner.

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What is a $15 Million Sale?
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We've decided to make $15 Million in credit union loans available
at lower rates specifically for our members. Apply for a
mortgage, get a lower rate. Need home renovations or a car loan?
Get a lower rate. Want to consolidate debt? Get a lower rate.
Looking to boost your borrowing power - consider a lower cost
Line of Credit.

All borrowing is available at special rates right now at Fire
Services Credit Union. We figure it's the least we can do to
celebrate one of the warmest Springs on record and your valued
membership with us.

But when this special fund is used up, it's gone for good. So we
suggest you start planning and  contact us today
[http://www.firecreditunion.ca/contactus]. And it's for members
only. So if you want to pass the special rates on to family and
friends, they'll have to join FSCU. Don' t worry we'll make it
easy - and they'll get a committed, expert financial Coach to
boot.

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Earn up to $50 for Every Referral
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Many of you already refer friends, colleagues and family members
to Fire Services Credit Union. Now you can get rewarded for
doing so: Up to $50 for everyone you refer who becomes a member.
It's easy, there are very few rules which you can read online,
and it's simply our way to say thanks for being members and
friends too.

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How to Use a Line of Credit
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Let's have a little chat about credit. Beyond all the bad news
like maxed out cards and average Canadians carrying way too much
debt, what's the good news? Here it is short and sweet: Credit
can work for you. Both secured and unsecured lines of credit
(LOC) are lower interest than credit cards, so your choice of LOC
is a good place to consolidate credit and get payments under
control. When you're young and starting out, having a line of
credit helps you develop a credit rating. When you have equity
in a home, a secure line of credit can be used for renovations
or purchasing a car. You have more control and more options when
you use a credit line wisely. And here's even better news. Every
FSCU Line of Credit comes with a Coach attached. We'll help you
set up automatic payment plans so you never get caught in the
revolving debt trap (only paying interest instead of paying down
the principle as well).

Take control
[http://www.firecreditunion.ca/services/lineofcredit/] of your
credit plan once and for all - call a Coach today!

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Banking to Go - Test Drive Is On
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We've got a new idea that we're trying out. It's called 'Banking
To Go'. You can chat face-to-face with a Coach about managing
your money no matter where you are. You just need Skype on your
computer or smart phone. And if you have Excel, you can even get
help with planning budgets or investing remotely thanks to
screen sharing and great personal Coaching. Or assistance with
replacing that lost debit card, without getting out of your
pajamas. (Just remember - now it's be face-to-face, so try to
wear your best pajamas.)

Not a computer scientist? No problem!  Our website explains
[http://www.firecreditunion.ca/services/bankingtogo/] how to use
'Banking To Go', Skype and more.

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Everything you need to know about getting your household finances
in shape is in The Bucket Coach, a book of financial advice
created specifically for Fire Fighters and their families. If
you don't have your  FREE copy of The Bucket Coach
[http://www.firecreditunion.ca/adviceandinformation/thebucketcoach/]
contact your branch today and we'll get it to you.

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Contact us today - and we'll start working on your financial 
well-being together. Call 416-440-1294 or 1-866-833-3285.
http://www.firecreditunion.ca/

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Fire Services Credit Union
1997 Avenue Road | Toronto, Ontario M5M 4A3, Canada