EPBECU board member, Wendell Boring, shares words of wisdom with fellow EPB employees upon his retirement:
The date was February 22, 1982 when I came to EPB, seems like it was just a little while ago. I looked up and I have spent almost 39 years as an EPB employee and 3 years as a contractor on the EPB system. I have a wealth of friends and some of you seem like “family”. It is sad to end a career during a pandemic when you have not seen many close acquaintances over the past 9 months, but that has actually made it a little easier.
Over the last year, I have often said in conversations that although we are all in the same COVID storm, our “boats” are quite different. As a friend or a colleague, it’s important to truly ask how someone is doing; to understand what their “boat” looks like, so we can help them make it through this storm.
I read the article about Spotify CEO Daniel Ek, 8 words resonated with me deeply. Ek’s eight words were
"Be kind; everyone is on their own journey.”
These eight words may sound simple, but I think they are incredibly powerful.
Underneath that seemingly perfect persona we see on Zoom or Teams could be someone out of a job, or whose spouse is; someone struggling with a sick parent or child; someone suffering from mental health issues, physical issues, infertility, or worried about someone else who is. We are all on our own journey, so be kind. When someone is in a rush, maybe there is a reason so let them skip the line. When they pull out in front of you, don’t fly into a rage. When someone does not call back right away, forgive them, as there is likely a reason.
It is easy to see our own struggles, shortcomings or challenges, but much harder to see and know what others are facing. Often, we see a glimpse of someone’s life -- their Instagram, Facebook or LinkedIn post, or see them looking awesome as we run past them on the street or pass them in the building -- and we assume their whole life is going great. And maybe it is. To me, the key is just not to assume that their boat is like ours or that their boat looks on the inside the way it does on the outside. The reality is this is rarely the case. Reality is often more complicated.
So in parting, Be Kind, treat others as you would like to be treated, care for our customers and each other and give a little Grace when you can. You need to remember, it is not all about you.
I want to leave you with a Zig Ziglar quote that is really great.
Leadership Best Practice: From Zig Ziglar – You are at the Top when:
God Bless you all,
Congratulations, Sadie Rose Gasaway!
Sadie’s thoughtful essay about the importance of maintaining good credit earned her a $1,000 scholarship towards college!
“The lessons I have learned about good credit, through my high school economics class and from my parents, have set me up for a successful life full of rewards most people do not know are waiting for them.
The importance of a good credit score is something everyone needs to know about. The younger it is taught, the more successful one will become. Although I am not establishing any credit yet, I am learning how to, and the importance of my spending through my EPB Employees Credit Union account. The benefits of good credit will always be in the back of my mind when I am making financial decisions.”
Sadie is 3rd generation EPB Employees Credit Union member, and her grandfather is retired EPB employee, Byron Rose. Sadie is a graduate of Gordon Lee High School and plans on attending University of Tennessee at Chattanooga.
Target Smart by Main St. Inc.
April 21, 2020
During this time of uncertainty, scammers are exploiting fears consumers have surrounding COVID-19. Their tactics can be confusing and intimidating. Here are a few tips you can arm your self with in order to prevent fraud and keep your information safe.
The FTC has recommended that consumers should hang up on robocalls. These illegal calls advertise cures and treatments for the Coronavirus and offer false remote work opportunities. There have also been reported cases of phone calls asking for donations for vaccines, tests, and treatments. These are typically recorded messages that can signal the call is a scam. These calls are illegal. You should never press any buttons or numbers and hang up when you recognize the scam.
Emails & Texts
Emails and text messages are circulating trying to get customers to share personal information like account numbers, Social Security information or login credentials. Scammers also send emails containing a link, that when clicked on, installs a virus or malware on a computer. These tactics can cause you to lose control of your accounts.
Keep your computer software and antivirus programs up to date. Be wary of messages claiming test kits, vaccines, and cures. If an email or text message makes these claims, delete the email or text message. For emails, always check the email address from the sender. If you do not recognize the email, immediately delete it.
Scammers are also taking advantage of customers who want to help those affected by the Coronavirus. The FTC reported that scammers use a fake charity or organization name that sounds similar to a real organization to fool the generosity of others. Any money donated will go to the scammer and not towards helping a cause. Make sure to research the organization you would like to donate to ensure its credibility.
FTC has also warned against false online sellers featuring in-demand products such as cleaning solutions or masks. These sellers do not have these products and when a customer places an order, they never receive their package. Always verify the seller’s information.
The Better Business Bureau has released several warnings regarding a few trends taking hold on social media. Social media has seen an increase in quizzes and challenges that threaten a consumer’s private information. Many of these new social media quizzes ask common security questions or challenges to post a senior class picture or your first car. This can lead to financial accounts being hacked and personal and financial information being stolen. Be aware of the risks in partaking in these challenges, review privacy settings on all social media accounts, consider removing personal details from their accounts, monitor suspicious friend requests, and use caution when participating in quizzes online.
FTC has created some engaging tools to make consumers aware of potential scams and help you protect your community. Take a look at the FTC Scam Bingo Card to spot the scams!
It is with a heavy heart and great sadness that we inform you of the passing of our beloved member and former Senior Loan Office Emeritus, Jo Maynor. We wish Jo's family and loved ones peace and comfort during this time.
Forget winter—tax season is coming, and the time to start getting ready is right now. The last thing you want to do is wait until the week before April 15 to try setting up an appointment with a tax advisor or to start digging through all your files looking for...Read More
Meet the two newest members of our staff. Esli Manzo joins us in the role of MSR after a long career as a Junior Loan Analyst with Suncoast Credit Union and Deedra Wilkerson brings years of experience in HR and sales to her new role as Loan Officer. Esli and his wife of 10 years moved to Tennessee to follow their passion of volunteering for their church. Esli loves watching movies, hanging out with friends, and the great outdoors. Deedra and her husband of 35 years have two daughters and a two-year old grandson. She loves spending time with her family, traveling, cooking, event planning and floral design. Both Esli and Deedra love their pet chihuahuas! Stop by our main office on McCallie to welcome them.
with Dave Ramsey
"Silver bells . . . silver bells . . . soon it will be Christmas day." Remember that old tune by Bing Crosby? Well, the Christmas season is just around the corner.
Okay, maybe it’s not soon, but it’s coming—and we’re going to talk about it. Too many people wait until December to buy gifts. With no money saved, they turn to credit cards in a panic and end up paying for Christmas until April. Not good.
It’s much easier to get ready for the yuletide season little by little. You just need to know where to start. Here are five ways you can get a jump on Christmas.
Set Your Spending Goals NowTake a look at how much you spent on Christmas gifts last year. Where did you overspend? Where can you cut back this year? Make a gift-giving goal amount and stick to it!
Once you’ve determined the total you want to spend on Christmas gifts, divide it by the number of months left until Christmas. In December, your Christmas savings will be fully funded and you can enjoy the season instead of feeling pinched for extra money.
Now’s also a good time to decide what charities you will give to this Christmas season. Be sure to budget for that throughout the next couple months instead of waiting until December. Don’t feel bad if money is tight and you won’t be able to give like you wish you were able to. Remember, volunteering your time is just as important—and sometimes even more effective than giving money.
A great way to gather cash quickly for your Christmas savings is to use your "under budget" cash. When you come in under budget on monthly expenses like groceries or clothing, take the difference and stash it away in your Christmas savings. That $20 here and $50 there can add up in a flash. Plus, it gives you one more reason to look for bargains.
Look for Deals NowThere are plenty of end-of-summer sales going on right now. You never know what you might find after a little digging. Sift through the back-to-school clearances and you might just score some great finds for Christmas gifts too! Colored pencils, crayons and markers can make great stocking stuffers for the crafty person on your list. Plus, laptops, camping gear, luggage, towels and more are typically on sale now. Keep your eyes peeled for those deals!
Don’t forget to create a spending cap—especially for those specific sale days that can really tempt your budget. Think Black Friday and Cyber Monday.
Set Up a Christmas Savings AccountHave you ever thought of opening a separate account just for your Christmas savings? It’s a great way to be extra disciplined about putting aside that money and not touching it. Check with your bank about opening a side savings account for your Christmas spending.
Have a DIY ChristmasHop onto Pinterest or Instagram to get some ideas for crafts that you can give as Christmas gifts. Searching for them now gives you plenty of time to buy the materials and put the effort into creating something that has just the right touch for the recipient. Even better, you have time to start over in case your first attempt looks more like a Halloween decoration than a Christmas gift.
Redirect Your Social FundSummer is the season for barbecues, swim parties and weekend getaways. With school back in session, though, your entertainment and travel budgets will probably go down. You know your kids will be busy with homework during the week, so save some money for fun on the weekends and redirect the rest for Christmas savings.
A little planning, along with some early saving, can make your Christmas a whole lot easier to enjoy. Wouldn’t you rather focus on Christmas traditions and quality time with your family than be stressed out about money? Yeah, we would too!
Plan for Christmas in advance. We hear now is a good month to start!
Start your Christmas sinking fund now with EveryDollar, our free budget software. Visit EveryDollar.com to learn how you can focus your money on what matters!