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<TITLE>COACH - Mortgage 2012</TITLE>
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<td style="height:223px;padding:0;line-height:2px;"><a href="http://www.firecreditunion.ca/" style="display:block;height:223px;"><img src="images/01-coach.jpg" border="0" width="600" height="212" alt="Coach - A financial bulletin for Fire Services employees and families. Winter 2012."/></a></td>
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<td class="tzCol1 design"><img src="images/2a-home.gif" width="230" height="132" alt="Lower cost of home ownership."></td>
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<p style="margin-top:8px;">Here are a few tips for lowering your cost of home ownership.</p>
<p>(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.</p>
<p>(2) Double up payments. Paying bi-weekly builds equity faster and decreases overall interest.</p>
<p>(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.</p>
<p style="margin-bottom:0px;">So what's the bottom line? <a href="http://www.firecreditunion.ca/contactus/">Work with a Fire Services Credit Union Coach</a> to create a home ownership payment strategy that reduces your costs and gets you mortgage free sooner.</p>
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<p style="margin-top:5px;background-color:#FFFFFF;">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.</p>
<p style="background-color:#FFFFFF">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.</p>
<p style="background-color:#FFFFFF">But when this special fund is used up, it's gone for good. So we suggest you start planning and <a href="http://www.firecreditunion.ca/contactus/">contact us today</a>. 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. </p>
<p class="design" style="background-color:#FFFFFF"><img src="images/2b-referral.gif" width="322" height="79" alt="Earn up to $50 for every referral."></p></div>
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<td style="width:288px;"><p style="margin-top:5px;">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.</p></td>
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<td style="height:63px;line-height:2px;"><img src="images/3-loc.gif" width="600" height="91" alt="How to use a line of credit"/></td>
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<p style="margin-top:0px;"><img src="images/4-icons.gif" alt="renovation, car and boat icons" style="float:left;">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).</p>
<p><a href="http://www.firecreditunion.ca/services/lineofcredit/">Take control</a> of your credit plan once and for all - call a Coach today!</p>
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<td style="height:25px;line-height:2px;"><a href="http://www.firecreditunion.ca/services/bankingtogo/"><img src="images/5-test.gif" width="600" height="71" alt="Test Banking To Go."/></a></td>
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<p>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.)</p>
<p style="margin-bottom:0px;">Not a computer scientist? No problem! <a href="http://www.firecreditunion.ca/services/bankingtogo/">Our website explains</a> how to use 'Banking To Go', Skype and more.</p>
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<p style="font-size:17px; line-height:23px;color:#003e7e;margin:10px 0 0 0;"><em>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 <a href="http://www.firecreditunion.ca/adviceandinformation/thebucketcoach/">FREE copy of The Bucket Coach</a>, contact your branch today and we'll get it to you.</em></p>
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<td class="tzCol9" style="background-color:#acd7f3;line-height:2px;"><a href="http://www.firecreditunion.ca/adviceandinformation/thebucketcoach/"><img src="images/8-bucket.jpg" border="0" width="195" height="186" alt="The Bucket Coach"></a></td>
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<td style="height:223px;padding:0;line-height:2px;"><a href="http://www.firecreditunion.ca/" style="display:block;height:223px;"><img src="images/9-cta.jpg" border="0" width="600" height="220" alt="Contact us today - and we'll start working on your financial well-being together. Call 416-440-1294 or 1-866-833-3285."/></a></td>
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<p style="margin-top:2px;font-size:11px;">Fire Services Credit Union | 1997 Avenue Road | Toronto, Ontario M5M 4A3, Canada</p>
<p style="margin-top:2px;font-size:11px;"><unsubscribe>Unsubscribe</unsubscribe> | <forwardtoafriend>Forward to a Friend</forwardtoafriend>
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