Archive for SEGment

HOW LONG DOES IT TAKE TO BECOME A MILLIONAIRE?

How long does it take to save a million dollars? How much must you sock away each month to reach it? Is achieving millionaire status even a possibility for most Americans? 

If you’ve ever considered these questions seeking to implement the answers in your own life, or you’re just curious, we’ve got the inside scoop. Read on to learn exactly how long it takes to become a millionaire. 

Who wants to be a millionaire? 

A million dollars is approximately four times the median net worth of retirement-aged people in the U.S. However, a net worth of a million dollars is well within the reach of most Americans, as long as they have enough time and a sound investment strategy. 

How long does it take? 

The amount of time it will take you to become a millionaire depends on the following factors: 

1.    The amount of money you invest

2.    The rate of return on your investment 

The table provided here gives you an idea of how much you’d need to save, and how many years it would take you to reach $1 million, at various rates of return. 

Monthly Savings

Years to $1 million with 10% annual returns

Years to $1 million with 8% annual returns

Years to $1 million with 6% annual returns

Years to $1 million with 4% annual returns

$100

44.5

52.9

65.7

88.6

$500

28.8

33.4

40.1

51

$1,000

22.4

25.5

29.9

36.7

$1,583

18.4

20.7

23.8

28.4

$2,083

16.2

18

20.4

23.9

$3,166

13

14.2

15.8

18

$4,166

11

12

13.2

16.8

Getting started 

If you’ve made this your goal, don’t waste any time getting started. The sooner you begin investing, the less money you’ll have to put away each month and the sooner you’ll reach $1 million. 

The easiest starting point for your million-dollar prize is to maximize your contributions to your employer’s 401(k) and your own IRAs.

Two neglected factors 

One crucial factor most people forget about when trying to invest their way toward a million dollars is the rule of inflation. Simply put, a million dollars today does not have the same value as a million dollars in 30 years. When you adjust for inflation at 3 percent a year, $1 million in 2020 would need to grow to $2,427,262 to have the same purchasing power in 2050. 

Another point that is often overlooked is that no one can accurately predict the future. There’s no way to know what life events you’ll have over the next three decades, some of which can significantly affect your finances in either direction. 

If you’re ready to start investing your way toward $1 million, speak to a representative at CSE to ask about our investment and savings products or view our rates! You can be a millionaire!

 

SOURCES:

https://www.fool.com/amp/retirement/2019/07/14/how-long-does-it-take-to-become-a-millionaire.aspx

https://www.moneyhelpcenter.com/how-close-are-you-to-being-a-millionaire/

https://www.daveramsey.com/blog/how-to-become-a-millionaire

https://www.financialsamurai.com/how-long-does-it-take-to-become-a-millionaire/

https://www.cnbc.com/amp/2017/05/19/how-long-it-will-take-you-to-become-a-millionaire.html

7 Steps to a Mid-Year Financial Checkup

It’s hard to believe, but 2019 is half over. Take a timeout from barbecues and beaches to give yourself a mid-year financial checkup. Use the seven steps below to guide you. 

Step 1: Revisit Your Budget 

Take some time to review your monthly budget. Is it working for you or are you falling behind each month? After reviewing, adjust your budget as necessary. 

Step 2: Anticipate Large Expenses 

List any large expenses you anticipate in the coming six months. This can include household appliances that may need replacing or an anticipated medical expense that is not fully covered by insurance. 

Next, determine the spending category you will take the money from to cover these expenses. Deciding on a source for these funds now will help you avoid making the wrong choices when you’re under pressure in the future. 

If you do not have enough money set aside for these expenses, build a savings plan into your monthly budget so you have the funds available when you need them. 

Step 3: Review Your Tax Withholdings 

Review your tax withholdings to see if they need any adjusting. Your goal here is to pay the perfect amount so you’re not hit with a huge tax bill at the end of the year, but you’re also not lending the government your money all year long. 

Step 4: Check Your Credit Score 

Visit CSE Online or CSE Mobile for your free credit report. If your score has gone up in the last six months, you’re doing great! 

Conversely, if your score has dropped, review your report in detail. Take the necessary steps to fix your score today, whether that means contesting an erroneous charge with the Federal Trade Commission, setting up an automatic payment on some of your bills or lowering your credit utilization rate by paying with plastic less often. 

Step 5: Review Your Investments 

Review and adjust all of your investments. This includes your retirement funds, any stock investments, bonds, trust funds or share certificates at CSE. Make sure you are maximizing your contributions when possible and that your other investments are performing according to plan. Adjust as necessary.   

Step 6: Tackle Your Debt 

List every outstanding debt you carry, including credit card debt and all kinds of loans. Designate one debt to tackle first and work on a plan to pay it down. Once you’ve paid off this debt, move to the next one on your list. 

Step 7: Review Your Financial Resolutions and Long-term Goals 

Review the financial resolutions and goals you dreamed up at the end of 2018 and then determine whether you are taking the steps necessary for making them happen. If you’ve been neglecting them, create a plan for working toward them for the rest of the year. 

Now you can kick back and enjoy the season, guilt-free. Happy summer! 

 

SOURCES:

https://money.cnn.com/2016/07/28/investing/financial-checklist/index.html

https://onebiteblog.com/its-time-for-your-mid-year-financial-checkup/

Cell Phones for Soldiers

Cell Phones for Soldiers

CONNECTING THOSE WHO PROTECT US

Cell Phones For Soldiers Inc. is a national nonprofit dedicated to serving troops and veterans with free communication services and emergency funding. Founded in 2004 by Robbie and Brittany Bergquist, then 12 and 13 years old, Cell Phones For Soldiers has provided more than 300 million “Minutes That Matter” to deployed troops. Since 2012, “Helping Heroes Home” has provided emergency funds for more than 3,100 returning veterans to alleviate communication challenges as well as physical, emotional and assimilation hardships.

Provide a lifeline to America’s bravest. Your simple, powerful gift provides connections that truly make a difference. Make your tax-deductible* donation today by:

Cell Phones for Soldiers accepts ALL makes, models and conditions of cell phones.

New and Used, Broken or Cracked. Both Smartphones and Cell Phones.

Cell Phones for Soldiers allows active-duty military members the ability to communicate to their families and emergency assistance to veterans.  We are accepting donations the entire month of July at each branch location. July 31st is the deadline for donations.

For more information email the CSE marketing department or call 337-562-3160. 

 Your simple, powerful gift provides connections that truly make a difference.

*Consult a tax advisor

DOLLAR STORES: ARE THEY WORTH THE PRICE?

Q: I love browsing my local dollar store, but I often end up spending more than I planned or regretting my purchases. Are dollar stores worth the price?

A: Dollar stores can be tremendous spending traps, but they can also be a great way to snag a bargain. It’s all in how you plan your visit.

 

Everything is just a buck, you say. How can you possibly go wrong?

Unfortunately, with that mindset, you might find yourself going way overboard with your spending. Before you set out for the dollar store, create a physical or mental list of what you need to purchase.

Love to throw just-for-fun products into your cart? The dollar store is a great place to do that, so exercise caution. You don’t want to blow tens of dollars on stuff you don’t really need and might never use. Establish a limit of how many of those items you can pick up on your trip before you set out. If you always find yourself pushing your self-imposed limit, only shop with cash so you’re forced to stick to your budget.

What’s hot at the dollar store … 😛 

Here are some products that are great bargains at the dollar store:

• Cleaning supplies: Get clean for less by stocking up on Ajax, bleach, glass cleaner, scouring pads, spray bottles, off-brand Swiffer refills, sponges, dryer sheets and ammonia.
• Seasonal: Visit the dollar store before hitting chain stores for your holiday decorations. Halloween décor, cheap gift boxes and wrapping paper can all be had at the dollar store.
• Toys: Load up on bubbles, sidewalk chalk, balls, card games and kites.
• Groceries: Get your frozen fruit and veggies, string cheese, spices, name-brand condiments, rice, oatmeal and snack foods at the dollar store.
• Kitchenware: Stock up on bargain-priced storage bins and containers, whimsical kitchen décor and glasses. Paper plates, cups and napkins can also be bought at super low prices.
• Party gear: Greeting cards, wrapping paper, balloons, ribbons, streamers, birthday candles, party decorations and gift bags can all be bought for, you guessed it, a dollar each.
• School/office supplies: You won’t be able to find every item on your school supply list that’s actually worth the price, but you can load up on project display boards, tab dividers, binder clips and poster boards at the dollar store.
• Kids’ activities: The dollar store is a great place to stock up on rainy-day supplies for the kids. You’ll find some great books, puzzles, craft supplies, colored papers, stickers, activity books, coloring books and more.

… And what’s not  😥 

Not everything you’ll find in the dollar store is worth as much as a dollar. Plus, there are lots of things you can get elsewhere for a better price.
• Cleaning supplies: The following cleaning supplies at the dollar store are either made too cheaply to be worth the price or can be bought for less in other stores: dishwashing soap, tissues, toilet paper, paper towels, garbage bags, laundry detergent.
• Toys: Small toys for young children that aren’t made well can quickly become choking hazards. Also, dollar-store dolls and toy cars are likely to break the day you bring them home.
• Groceries: These foods can be bought for cheaper in a grocery store: pasta, soda, gum, canned goods, chocolate.
• Kitchenware: Plastic cutlery from the dollar store is too cheaply made to be worth the few cents you’ll save. Ditto for disposable baking dishes. You’ll also want to stay away from can openers, knives and oven mitts, as these items need to be well made to do their jobs.
• School/office supplies: The following supplies can be bought for less money and of better quality in stores like Walmart and Target: lined paper, composition notebooks, glue, crayons, markers, Post-its, pens, pencils and highlighters.
• Self-care: Cheaply made soap, shampoo and cosmetics can be harmful to your skin. Don’t buy name-brand travel-size toiletries either; you can usually get tiny shampoo and soap bottles for less than a buck at big-box stores.

When it’s not a bargain 😕 

When making a purchase at the dollar store, hold it up to this checklist. If your item fits any of these criteria, you’re better off without it:

1. It’s sold in tiny quantities. Often, what looks like a bargain is just a product in a really small package. Check the size on food items and cleaning products; you can often get more for less money when you buy a product in a bigger size at a larger store.
2. It’s made with harmful toxins. Check all health and beauty products for toxic and carcinogenic ingredients.
3. You don’t need it. A dollar spent on something you don’t need is a dollar wasted.
4. It’s made super-cheaply. If it’s going to break during the first day of use, or even the first hours, leave it in the store.
5. It isn’t food-safe. Check all products that will come into contact with food, like serving platters or dishes, for a label that proclaims them food-safe.
6. It’s expired. Be careful to check the “Sell by” date on candy and other foodstuffs so you’re not paying for expired products.

 💡 Learn how to shop smart at the dollar store and you’ll go home with true bargains! 💡 

SOURCES:

What to Buy at the Dollar Store, and What to Skip


https://www.bradsdeals.com/blog/things-you-always-should-buy-at-the-dollar-store

We’re Going Nuts for Santa!

We invite our youngest members to come and visit with Santa.  If your child is not a member yet, ask us how they may join and start saving for their future.

Free 4X6 Photo ( Limit 1)

Come experience the timeless tradition of the Nutcracker | Petting Zoo | Refreshments| Activities

 

STAY ON TOP OF YOUR FINANCES

MOBiLE Access

4 Ways To Stay On Top Of Your Finances While On The Go          

Most people have a checklist they go through before they leave the house. Is the stove turned off? Are the doors locked? Do I have my wallet, my keys and my cellphone? The only thing that has changed about that process in the last few years has been the addition of that last item on the list. Today, 92% of Americans have cellphones and 68% of them have smartphones. This is a remarkable change from just a few years ago. More than half of the people you see every day are carrying a computer that dwarfs the most powerful computing technology that was available a decade ago. It’s also connected to all of the world’s information, literally at our fingertips. What do we use it for? Drawing mustaches on our selfies and tossing wingless birds at shoddily made pig housing. If you’d like to use your smartphone for more sophisticated purposes, plus add a ton of convenience and peace of mind to your life, consider mobile banking. With a couple of taps, you can access a whole suite of financial information. Let’s look at four scenarios where mobile banking can save you some time … and even some money.

1.) Say goodbye to security woes

Despite all of the data breaches that have been in the public eye over the past few years, no one has figured out how to compromise mobile devices as a platform. Security leaks have affected PCs, Macs and point of sale terminals, but no widespread security vulnerability has compromised mobile banking. Despite the fear, mobile banking is actually a fundamentally secure platform. The first reason for this is the plurality of platforms. You and your neighbor may not be able to share cellphone chargers, much less apps or other experiences. This diversity makes it difficult for a single vulnerability to affect many users. Since there’s less possibility of large scale attacks, hackers have very little incentive to dedicate time toward trying to compromise mobile platforms. The second reason for this is the tight control placed on mobile devices. Because these devices have to send regular usage information back to your mobile provider, they tend to be far less prone to modification. There’s just not as much you can do to an iPhone or an Android as you can to a PC. While some users might override those protections, such modifications are not widespread enough to justify attempted infiltration. Mobile banking is secure and safe. Data transmitted from your cellphone to your provider is heavily encrypted. If you lose your phone, it can be remotely deactivated and passwords usually aren’t stored on the device.

2.) You can check your balance any time

Rather than waiting for your statement every month or booting up that slow PC for checking your account balances online, you can view transactions while waiting for a bus or in line at a restaurant. You can stay vigilant against illegal account access any time you’ve got your phone and a spare few seconds. The convenience of mobile banking can also keep you from making costly mistakes. If you know funds may be running tight, check your account balance while in the checkout line to make sure you can cover the cost of your purchases. You can see if your monthly rent check has been withdrawn from your account to avoid the costly fees associated with over-drafting. It’s easier than ever to keep track of your finances. You can also help to prevent errors with mobile banking. Accidental overpayment, duplicate payments and other errors are a regrettable reality of the modern high-speed economy. By regularly checking your account statement, you can catch these pesky problems before they turn into big issues.

3.) It’s where you’ll find the next big thing

Mobile payments and mobile check depositing are becoming more widely available and are already being used in many places. As technology gets better, these functions will become cheaper, faster and even more widespread. Getting involved in mobile banking on the ground floor will help you stay up to speed with this rapidly evolving world. Imagine getting turn-by-turn walking directions to your nearest ATM. You could get alerts when new houses are listed for sale along your daily commute. You might pay for your breakfast by signing a receipt on your phone.  These and other changes are coming and they are only the beginning. If mobile banking doesn’t do something you need, wait six months. Someone will probably find an app for that.

4.) 24-hour-a-day instant access

Do you ever wake up in the middle of the night in a panic because you can’t remember if you paid your electric bill? Ever have a tiny freak-out on the bus because you suspect someone may have accessed your account? Are money worries preventing you from enjoying your vacation? If you have these concerns and are nowhere near your computer, you could just suffer through them. As an alternative, though, you could use a mobile app to check your balance and transaction history. See if your monthly bills have cleared. Make sure your balance is safe. You can do all of this any time you’ve got your phone, day or night.  Mobile banking won’t replace traditional, face-to-face interaction. There will always be a place in the credit union service standards for the human interaction. What mobile banking apps offer is a wonderful supplement to those high-quality services. Space-age convenience, top-level security, and blissful peace of mind are all available from your pocket, anywhere in the world.

 

For more information about CSE’s E-Services.

Direct Deposit

Q: I work for a small company, and my employer recently started offering direct deposit of paychecks. This doesn’t sound secure to me, and anyway, I like getting and depositing my paycheck. Is there any reason to opt for direct deposit?

A: There’s a very short list of things that really haven’t changed in the past 50 years: apple pie, your fourth-grade teacher’s fashion sense and paper checks. Despite the advances that have been made in financial technology, paper checks are really about the same instruments they always have been. In a digital world, they’re increasingly expensive, cumbersome and insecure.

Many employers already have or are moving to an all-electronic system for paying their employees, and at the center of that system is direct deposit. Direct deposit transmits your paycheck from your employer’s business account directly into your checking, savings or prepaid account(s). You still get a pay stub or an electronic equivalent from your employer that lists the amount of the transfer along with any deductions, like taxes, health care or retirement.

What you won’t have to do is hold on to that check until you can find time to get to a branch. Payroll deposits clear instantaneously, which means the money is generally available in your account the same day.

Direct deposit really is the way of the future. Many large employers and some benefit providers require it, and it’s easy to see why. Let’s look at three reasons why direct deposit is right for you.

1.) Safety

Think like a criminal for a second. A paycheck is the largest check most people see on a regular basis. This makes it a tempting target for theft. Think about how your employer would react to someone picking up your paycheck for you. Someone could pretend to be a spouse, babysitter or friend doing you a “favor.”

While the signature requirement is some protection, many check-cashing establishments don’t look closely for a match. It’s remarkably easy to cash a stolen check and the law provides little protection. Your employer might be sympathetic, but they’re probably not willing to issue you a second paycheck. The burden would be on you to prove the theft before you could get your salary.

With a direct deposit, those concerns are virtually nonexistent. There are no paper checks to keep safe. No one needs to pick up your paycheck for you. There’s no concern that someone else will accidentally be given your check. The whole transaction is handled seamlessly by computer.

2.) Simplicity

Believe it or not, the process of payroll is incredibly complicated for companies. Many of them hire outside firms at great expense to ensure they’re accurately paying their employees in compliance with various state and federal regulations. One of the costs involved in payroll production is the printing of checks. Paper checks must be printed, signed and recorded, all of which requires labor.

The cost of writing, verifying and safeguarding a paper check is about $1 per employee per pay period, assuming no lost checks or pay disputes. The lost time to distributing and depositing those checks is about $2 per employee, so it costs businesses about $3 to print and distribute paper checks. Direct deposit costs about half as much.

These savings may seem insignificant, but they add up quickly. Your employer spending less money on payroll means more money to pay you. Whether those cost savings result in a lower-priced product, more investment in the business or higher wages, you benefit. When your employer comes out ahead, so do you.

3.) Convenience

Obviously, direct deposit saves you an errand every pay period. The stress of fighting rush-hour traffic to make it to a branch office before closing time on payday is considerable. There’s also no need to worry if you got your paycheck deposited in time for same-day processing. Say goodbye to account guessing games.

Beyond the obvious conveniences, direct deposit opens up a slew of other possibilities. Once your direct deposit posts to your CSE checking account, you can use CSE Online to easily set up automatic transfers to your savings accounts, your children’s savings accounts, make your loan payments, and pay bills!  You may also be able to secure lower fees or a higher dividend rate on your checking account! CSE Members may also receive a 0.25% loan rate reduction* off of their qualifying rate when utilizing two of the following choices of CSE products/services:
E-Statements ● Checking Account ● Automatic Transfer for loan payments

Paperless payroll saves trees, it saves time and it saves frustration. It does all of this while being safer, faster and more secure. If you’re unsure about your direct deposit options, stop by or call CSE FEDERAL CREDIT UNION. Our helpful representatives can point you in the right direction for the information you need to set up direct deposit and can provide guidance to help you organize your deposits to meet your financial goals.

Call, click or stop by CSE FEDERAL CREDIT UNION today!

*Rate reduction limited to risk-based products only, ask a CSE Lender for more information.

Visit CSE’s Direct Deposit page for more information to get started.

For more consumer information visit: https://electronicpayments.nacha.org/direct-deposit/consumers/direct-deposit-consumers#dd-con-save-time

Direct Deposit. Safe, Simple, And Convenient

DIRECT DEPOSIT.  SAFE, SIMPLE, AND CONVENIENT


Q: I work for a small company, and my employer recently started offering direct deposit of paychecks. This doesn’t sound secure to me, and anyway, I like getting and depositing my paycheck. Is there any reason to opt for direct deposit?

A: There’s a very short list of things that really haven’t changed in the past 50 years: apple pie, your fourth-grade teacher’s fashion sense and paper checks. Despite the advances that have been made in financial technology, paper checks are really about the same instruments they always have been. In a digital world, they’re increasingly expensive, cumbersome and insecure.

Many employers already have or are moving to an all-electronic system for paying their employees, and at the center of that system is direct deposit. Direct deposit transmits your paycheck from your employer’s business account directly into your checking, savings or prepaid account(s). You still get a pay stub or an electronic equivalent from your employer that lists the amount of the transfer along with any deductions, like taxes, health care or retirement.

What you won’t have to do is hold on to that check until you can find time to get to a branch. Payroll deposits clear instantaneously, which means the money is generally available in your account the same day.

Direct deposit really is the way of the future. Many large employers and some benefit providers require it, and it’s easy to see why. Let’s look at three reasons why direct deposit is right for you.

1.) Safety

Think like a criminal for a second. A paycheck is the largest check most people see on a regular basis. This makes it a tempting target for theft. Think about how your employer would react to someone picking up your paycheck for you. Someone could pretend to be a spouse, babysitter or friend doing you a “favor.”

While the signature requirement is some protection, many check-cashing establishments don’t look closely for a match. It’s remarkably easy to cash a stolen check and the law provides little protection. Your employer might be sympathetic, but they’re probably not willing to issue you a second paycheck. The burden would be on you to prove the theft before you could get your salary.

With a direct deposit, those concerns are virtually nonexistent. There are no paper checks to keep safe. No one needs to pick up your paycheck for you. There’s no concern that someone else will accidentally be given your check. The whole transaction is handled seamlessly by computer.

2.) Simplicity

Believe it or not, the process of payroll is incredibly complicated for companies. Many of them hire outside firms at great expense to ensure they’re accurately paying their employees in compliance with various state and federal regulations. One of the costs involved in payroll production is the printing of checks. Paper checks must be printed, signed and recorded, all of which requires labor.

The cost of writing, verifying and safeguarding a paper check is about $1 per employee per pay period, assuming no lost checks or pay disputes. The lost time to distributing and depositing those checks is about $2 per employee, so it costs businesses about $3 to print and distribute paper checks. Direct deposit costs about half as much.

These savings may seem insignificant, but they add up quickly. Your employer spending less money on payroll means more money to pay you. Whether those cost savings result in a lower-priced product, more investment in the business or higher wages, you benefit. When your employer comes out ahead, so do you.

3.) Convenience

Obviously, direct deposit saves you an errand every pay period. The stress of fighting rush-hour traffic to make it to a branch office before closing time on payday is considerable. There’s also no need to worry if you got your paycheck deposited in time for same-day processing. Say goodbye to account guessing games.

Beyond the obvious conveniences, direct deposit opens up a slew of other possibilities. You can more easily automate your savings by depositing a portion of each payroll into a savings account and the rest into your checking. You can pay bills more easily online since you get confirmation your funds are available. You may also be able to secure lower fees or a higher interest rate on your checking account!

Paperless payroll saves trees, it saves time and it saves frustration. It does all of this while being safer, faster and more secure. If you’re unsure about your direct deposit options, stop by or call CSE FEDERAL CREDIT UNION. Our helpful representatives can get you the information you need to set up direct deposit and can even help you organize your deposits to meet your financial goals.

Call, click or stop by CSE FEDERAL CREDIT UNION today!

 

 

Call Center

CSE Federal Credit Union Announces the Opening of a Call Center

LAKE CHARLES, LA —Striving to meet the needs of our members, CSE Federal Credit Union announced the development of a Call Center, located in their main office at 4321 Nelson Rd. in Lake Charles.

The Call Center Representatives bring a natural ability for problem-solving and communication to the fast-paced call center environment, delivering solutions that keep our members connected.

“Our new call center is staffed with the most energetic and talented employees. Our goal and expectations are to enhance how we service our members. The call center gives us an opportunity to capture every call and provide assistance to our members, both locally and nationally,” said Tyler Theriot, CSE’s Call Center Manager. “In just the first week, we were able to increase our ability to answer calls improving our overall quality of service to our members.”

The call center improves efficiency. Improved efficiency will lead to a much more productive office atmosphere and allow CSE representatives to maximize their efforts to assist new and existing members. Currently, CSE averages over 400 daily calls.  The new Call Center currently employs five employees, and there are plans to expand in the future.  CSE has been serving SWLA residents for 75 years. We are locally owned and operated with a national reach. For more information about CSE’s newest addition call 337.477.2000 and speak with a CSE representative today.

 

LaTonya Broussard                                          Sherlonda Esclovon

 Therese Padua                                                   Courtney Bernard

SEG Highlight

Happy Birthday Louisiana Institute of Massage Therapy!

“The Massage School” is having it’s 30th Birthday! In 1987, Lake Charles native Susan Salvo founded the Louisiana Institute of Massage Therapy after developing a curriculum from workshops that she created and taught in the early 1980’s. In 2012 Alex and Carrie Chaumont became the new “Mom & Pop” of the school. The Institute was started by massage therapists, is taught by massage therapists, and has been operated by massage therapists since 1987. LIMT was one of the first massage schools to be licensed by the state of Louisiana and the first massage school to provide continuing education classes. They are the oldest continually operating massage school on the Gulf Coast and CSE is proud to have them a Select Business Group.

Louisiana Institute of Massage Therapy offers a 510-hour program. Their curriculum is designed to be challenging, fun, and exciting. The teaching faculty is made up of highly qualified and dynamic massage therapists. Their dedication ensures quality delivery of the curriculum. Students develop technique-specific skills through many hours of supervised, hands-on instruction. The school continues to produce graduates that are among the most successful in the South.

They offer the lowest tuition rates along the Gulf Coast as well as affordable payment plans. The Louisiana Institute of Massage Therapy always refers their students to CSE Federal Credit Union for our great rates on loans to help cover the cost of attending their school.

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