email : Webview : Community Focus: March 2015

What to Do With a Tax Refund

It’s tempting to spend your tax refund on an impromptu shopping spree or the latest tech gadget, but don’t drop those dollars just yet. Before you spend your refund, think about where that money would really be best used.

Before you even think about splurging, put 50% of your tax refund toward paying off debt. Apply it to your mortgage principal, make a larger-than-usual monthly credit card payment, or pay off part of a student loan.

Another option: Nail down any big-ticket items coming up. A tax return can provide a nice chunk of cash to pay for expensive dental work you’ve been putting off, overdue car repairs, or a semester’s worth of college textbooks. You even could use your refund as part of a down payment on a new car.

Saving money for the long term is another smart decision. Stash part of your refund in an emergency fund, share certificate, or IRA (individual retirement account) at US Community Credit Union.

You also could use your return to add equity to your home. Tackle those repairs you’ve been meaning to get around to, or make over your yard with some landscaping. Using your tax refund as a base, you could even take out a small home equity loan to cover projects you need done now.

After you’ve covered your other financial bases, treat yourself. Put some of your refund toward a trip you’ve been dying to take, sign up for a gym membership, or enroll in a class to learn a new skill.

However you choose to use your tax return, think about it first, look at your options, and make the best financial decision you can.

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Take control of your retirement

If you’re changing jobs, leaving your job, or retiring and you have a qualified retirement plan, you’re facing important decisions about your future financial security.

And, if you’re like most people, you may not have paid much attention to your funds, other than glancing at the plan’s quarterly reports – and possibly watching your portfolio shrink from its highs a couple of years ago.

Now is the time to consider taking action again regarding your financial future. More than ever, you can have greater control over your money and investments. Advances in technology and the wide range of available investment programs today make it easier than ever to be decisive about your financial plan.

With increasing uncertainty in today’s financial markets, these are the times when you most need counsel and reassurance from a trusted financial partner. Speak with our Wealth Management Consultant Chuck Gore at 615-405-0318 or via email at charles.gore@lpl.com. A little investment of your time now can help secure your financial future.

Click here to learn more about our Wealth Management Division

Financial consultants of US Community Wealth Management are Registered Representatives with, and Securities, financial planning, asset management, Advisory Services and Insurance Products are offered through LPL Financial and its affiliates, Member FINRA/SIPC and Registered Investment Advisor. US Community Credit Union is not a registered broker/dealer; not affiliated with LPL Financial.

	Investments are not obligations of US Community Credit Union
Not NCUA Insured	No Credit Union Guarantee	May Lose Value

The LPL Financial registered representative associated may only discuss and/or transact securities business with residents of the following states: Tennessee (TN).

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From little incidents like being locked out of your vehicle to bigger troubles like needing a tow truck, Credit Union Auto Club is here to help get you back on the road quickly. Its professional customer service team is just a phone call away and ready and waiting to assist you 24 hours a day, 7 days a week, 365 days a year. They’re always there when you need them.

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US Community Credit Union is open to anyone who lives, works, worships, or attends school in Davidson, Rutherford, Sumner, Williamson, or Wilson County.

Federally insured by NCUA

Equal Housing Lender - NMLS ID 363210

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