Archive for Source – Page 2

Please watch this space for important updates about CSE’s COVID-19 prevention and response.

Updated: Wednesday, July 8, 2020 at 9:00 a.m. CST

-We are able to safely reopen our Sulphur Branch, but services are limited to drive-thru only at this time.

-Currently available: drive-thrus at our Lake Charles, Sulphur and Jennings Branches and all ATM locations.

Moss Bluff Branch remains closed temporarily until further notice.

-We encourage and remind you to utilize the digital resources available to you through CSE Online and the CSE Mobile App, available 24/7 to Members.

Updated: Monday, July 6, 2020 at 5:00 p.m. CST

The following modifications to our operations will occur on Tuesday, July 7, 2020:

-Financial services are limited to drive-thrus only at our Lake Charles and Jennings Branches.

Moss Bluff and Sulphur Branches are closed temporarily until further notice.

-We encourage and remind you to utilize the digital resources available to you through CSE Online and the CSE Mobile App, available 24/7 to Members.

Updated: Sunday, July 4, 2020 at 11:00 a.m. CST

The following adjustment will begin on Monday, July 6, 2020:

Moss Bluff Branch will be closed temporarily until further notice.

-All other CSE branch lobbies will remain open for regular business hours.

Updated: Friday, June 11, 2020 at 5:00 p.m. CST

On Monday, June 15, 2020CSE branch lobbies will resume regular business hours. Based on the official order for Phase 2 of a Resilient Louisiana, signed by Gov. Edwards on June 4th, capacity will remain limited in all lobbies until further notice. We ask that you continue to use our drive-thrus and online/mobile banking options when conducting most normal transactions.

For security purposes, if you do wear a mask into one of our branches, you will be asked to remove it from your face momentarily for identification before any transaction can be completed. Do not enter the lobby if you are sick, or have been in the last 24 hours.

Lobby Hours

Drive-Thru Hours

Monday, Tuesday, Thursday, Friday Monday, Tuesday, Thursday, Friday
8:00 am – 5:00 pm 8:00 am – 6:00 pm
Wednesday Wednesday
9:00 am – 5:00 pm 9:00 am – 6:00 pm

Social distancing measures will be in place and required by staff and the public. We will be continuing increased sanitizing procedures.

Your patience and understanding are greatly appreciated during this time. If you have any questions, please reach out to us at 337-477-2000.

Thanks for choosing CSE!

Updated: Friday, May 15, 2020 at 9:00 a.m. CST

On Wednesday, May 20, 2020, CSE will begin opening all branch lobbies to the public with limited hours and limited entry until further notice, based on the guidelines released by Governor John Bel Edwards. We ask that you continue to use our drive-thrus and online/mobile banking options when conducting most normal transactions. These have proven to be safe and convenient methods for our Members to conduct most routine financial transactions.

For security purposes, if you do wear a mask into one of our branches, you will be asked to remove it from your face momentarily for identification before any transaction can be completed. Do not enter the lobby if you are sick, or have been in the last 24 hours.

Lobby Hours

Drive-Thru Hours

Monday – Friday Monday, Tuesday, Thursday, Friday
10:00 am – 2:00 pm 8:00 am – 6:00 pm
Wednesday
9:00 am – 6:00 pm

Social distancing measures will be in place and required by staff and the public. We will be conducting increased sanitizing procedures as access to certain areas open up.

There will be no public restrooms available.

Your patience and understanding are greatly appreciated during this time. If you have any questions, please reach out to us at 337-477-2000.

Thanks for choosing CSE!

Updated: Friday, April 17, 2020 at 11:00 a.m. CST

The following adjustment will begin on Monday, April 20, 2020:

Jennings Branch will re-open for drive-thru service only.

The following modifications remain in place:

-All branch drive-thru hours will remain open Monday, Tuesday, Thursday and Friday 8:00 a.m. to 5:00 p.m. and Wednesday 9:00 a.m. to 5:00 p.m.

All lobbies closed to the public.

Updated: Friday, April 3, 2020 at 3:00 p.m. CST

The following adjustment to our hours of operation will begin on Monday, April 6, 2020:

Lake Charles, Sulphur and Moss Bluff branches drive-thru only; Monday, Tuesday, Thursday and Friday 8:00 a.m. to 5:00 p.m. and Wednesday 9:00 a.m. to 5:00 p.m.

The following modifications remain in place:

All lobbies closed to the public.

-Jennings Branch closed until further notice.

Updated: Tuesday, March 31, 2020 at 2:00 p.m. CST

The following modifications to our operations have been made as of Tuesday, March 31st.

Jennings Branch will be closing temporarily as of April 1, 2020, until further notice.

Lake Charles, Sulphur and Moss Bluff branches will remain open with financial services currently limited to drive-thru only; Monday, Tuesday, Thursday and Friday 8 a.m. to 6:00 p.m. Wednesday 9 a.m. to 6:00 p.m.

Updated: Tuesday, March 24, 2020 at 4:10 p.m. CST

The following modifications to our operations remain in place as of Tuesday, March 24th.

-Financial services are limited to drive-thrus only at all of our branch locations. All CSE lobbies will be closed until further notice.

-We’ve prepared our employees and re-emphasized existing sanitation and illness policies, including frequent and proper handwashing.

– We’ve emphasized what employees can do to keep themselves and others safe, including not touching one’s face, and staying home if sick.

-We encourage and remind you to utilize the digital resources available to you through CSE Online and the CSE Mobile App, available 24/7 to Members.

We are prepared to provide financial guidance and discuss solutions that may be available to you during this unprecedented hardship. Please click here for more information regarding our Financial Hardship Assistance Program for those financially impacted by COVID-19.

Should you find yourself in need of financial assistance, please contact us directly at 337.477.2000 to discuss your options.

Updated: Wednesday, March 18, 2020 at 2:00 p.m. CST

At CSE, the health and wellness of our members and employees remains at the top of our priorities. With this in mind, we have been closely monitoring the rapidly-changing situation around COVID-19 (coronavirus), responding to new information as it arises and preparing for all possible scenarios, with the goal of continuing to safely serve our Members.

Out of an abundance of caution, we have taken the following steps based on the guidelines issued by the Centers for Disease Control and Prevention (CDC) for “community mitigation strategies” to limit the spread of COVID-19:

-We have modified operations to be able to continue to serve Members. As of Wednesday, March 18, 2020 we are limiting our financial services to drive-thrus only at all of our branch locations. All CSE lobbies will be closed until further notice.

-We’ve prepared our employees and re-emphasized existing sanitation and illness policies, including frequent and proper handwashing.

– We’ve emphasized what employees can do to keep themselves and others safe, including not touching one’s face, and staying home if sick.

-We encourage and remind you to utilize the digital resources available to you through CSE Online and the CSE Mobile App, available 24/7 to Members.

-We are prepared to provide financial guidance and discuss solutions that may be available to you during this unprecedented hardship. Please click here for more information regarding our Financial Hardship Assistance Program for those financially impacted by COVID-19.

In conclusion, we will always follow the guidance of local, state and national officials. Should you find yourself in need of financial assistance, please contact us directly at 337.477.2000 to discuss your options.

Updated: Monday, March 16, 2020 at 1:40 p.m. CST

 
At CSE, the health and wellness of our members and employees remains at the top of our priorities. At this time, we are monitoring and following all guidelines from the Centers of Disease Control (CDC) and our local government leadership, as well.
 
If you are experiencing any illnesses or have been in contact with illnesses, we request members to utilize the Drive-Thru access only, at this time to ensure the safe and healthy working conditions for both member and staff. Please remember these convenient ways to connect with us in order to avoid public spaces and direct contact with others.
 
Digital Resources
Log in to CSE Online via desktop or our free CSE Mobile App to:
-Check your account balance(s)
-Transfer money between accounts
-Deposit checks remotely
-Pay your monthly bills with Bill Pay
-Pay other people directly with Popmoney
-Report credit or debit card fraud, or a lost or stolen card
-Set up card fraud alerts and customizable account alerts with CardValet
 
Learn more about CSE Online at https://www.csefcu.org/e-services/cse-online/
 
ATM Access
CSE has more than 30,000 surcharge-free ATMs nationwide.
Find ATMs near you at https://www.culiance.com/atmlocator/?charterNum=05086
 
Debit & Credit Cards
Your CSE Visa® Debit and Credit Cards give you immediate access to your money. Your cards are safer and more convenient than carrying cash or checks.
 
Member Services
Contact us at 377.477.2000 during normal business hours if you have additional questions regarding your account. If you need after hours online/mobile access support call us at 337.477.2000 and select option 6 Monday-Friday from 5:00 p.m. to midnight or weekends/holidays from 6:00 a.m. to midnight.
 
Drive Thru Hours:
8:00 a.m. to 6:00 p.m. M, T, Th, F
9:00 a.m. to 6:00 p.m. Wednesday
 
Member Hotline:
888.699.3499

Friday, March 13, 2020: Regarding Coronavirus (COVID-19)

As fellow members of the communities we serve, we understand the concerns and uncertainties surrounding COVID-19. At CSE, the health and wellness of our members and associates remains at the top of our priorities. At this time, we are monitoring and following all guidelines from the Centers of Disease Control (CDC) and our local goverment leadership, as well.

At this time, our branches remain open and ready to serve you. We encourage and remind you to utilize the digital resources available to you through CSE Online and the CSE Mobile App , available 24/7 to Members.

We continue to monitor this quickly evolving situation and are here to assist our Members as needed. Should you find yourself in need of financial assistance, please contact us at 337.477.2000 to discuss your options.

For additional information about COVID-19, visit the CDC at cdc.gov

Waging War Against Porch Pirates

Ahoy, mateys!

Holiday shopping season is upon us and your (not-so) friendly neighborhood porch pirates are gearing up to pilfer the holiday treasures being delivered to your doorstep.

The season can be stressful enough. You don’t need the extra burden of some crooks stealing your joy.

Here are some ways to conquer the porch pirates and lay claim to the best holiday ever.

Have your packages delivered elsewhere

Having your packages delivered to your office is one of the best options, especially since you can hide the gifts from your family. If this isn’t an option, have orders shipped to a neighbor or family member who’s home during the day.

FedEx packages can be picked up at one of their offices or participating Walgreens locations.

UPS packages can be received at a local UPS Store, CVS or Michaels, or you can arrange to have them delivered on a day when you are home.

Let the delivery person in

A total of 17 percent of respondents to a recent PCMag survey of 1,500 people said they have a smart lock allowing them to unlock their door by smartphone or computer. Video allows you to see who is at your door and instruct delivery people where to drop the packages and then lock up after they leave. Smart locks range in price from $100-$300.

Have packages delivered to your car

Key by Amazon allows Amazon Prime members to have their packages left in their home, garage or even their cars.

Download the app to have your items shipped to your car within hours. Check the app or website to see if your product, vehicle and address of the vehicle are eligible for delivery. Pick a delivery time and you’re set. You will receive notification when your package is out for delivery and when the driver is en route.

The Amazon website says select makes of vehicles, model years and an active connected car service plan, such as OnStar and On Call are required. Key In-Car Delivery cannot handle heavy or bulky items weighing more than 50 pounds.

Track your packages

If high-tech gadgets aren’t your thing, simply use your low-tech skills to track your packages. UPS, the U.S. Postal Service, Amazon and FedEx all offer tracking online.

Sign up for USPS Informed Delivery; UPS offers the My Choice or FedEx’s Delivery Manager to keep track of deliveries. Tracking information for Amazon packages can be found in your order details.

CSE wishes you a safe and happy holiday shopping season.

eStatement User Message Board

Notice of Revised Funds Availability Policy Disclosure

July 1, 2020: To view the updated Policy please click here

 Notice of Annual Meeting Postponement

March 31, 2020: Due to current circumstances caused by COVID-19, CSE’s Annual Meeting is being postponed. Please watch for updates to follow in the next few months.

Fee Schedule

To view the updated Fee Schedule for 2020 please click here

Audit Notice

In the event of a discrepancy with your most current CSE E-Statement and your records as of September 30, 2019, please contact our auditors:

Postlethwaite & Netterville, CPAs
8550 United Plaza Blvd., Suite 1001
Baton Rouge, LA 70809

Please provide your name and member number and a detailed description of the discrepancy by November 15, 2019.

Reg D Notice 

Regulation D limits the number of certain transfers that a member can make FROM a Regular Share account. You may make no more than SIX transfers or withdrawals
per calendar month in the following manner:

• ACH (electronic payment transfer)
• CSE Online
• CSE MOBiLE
• CSE Voice
• Telephone request by phone with a
Credit Union employee
• NSF Overdraft Protection (transfer to cover
overdrawn checking acct.)

What Transactions Do Not Count?

• ATM withdrawals
• Transactions face-to-face at the Credit Union

How can you avoid restrictions?

• Do not allow electronic payments FROM your
savings accounts. Instead set up the withdrawals
from your checking account which has unlimited
ACH withdrawals.
• Send your direct deposit to your checking account,
rather than your savings. The number of transfers
from checking accounts TO savings accounts is not
restricted.
• Balance your checking account periodically to
limit the number of NSF transfers FROM your
savings account.

Thank you for being a Member of CSE!

9 Ways to Thank a Veteran this Veterans Day

Our service members past and present are the true heroes of our nation. U.S. veterans selflessly served our country, spending months or years away from home, undergoing grueling training and often putting their lives at risk, just to keep us safe. It’s time to say thank you!
Take a few minutes to show your appreciation for our country’s veterans on Nov. 11, Veterans Day.
Join CSE FCU as we thank the members of our military this Veterans Day! Here’s a list to get started to celebrate our nation’s heroes.

1. Fly a flag-the right way

Veterans Day offers a wonderful opportunity to fly Old Glory. Just make sure you’re observing the proper rules for its display this time of year. Read up on all you need to know about flying the flag on the military’s guide to the flag.

2. Visit a VA Hospital

Call the closest Veterans Administration hospital to ask about their policies for interacting with patients or volunteering. Once you have that down pat, you can spend Veterans Day visiting a recovering vet or volunteering your services at the hospital. Lots of VA hospitals will host special events on Veterans Day, which are usually open to volunteers. It’s a wonderful way to give back to our service members.

3. Send a care package

Security measures make sending a care package to an anonymous soldier a near impossibility in our hyper-vigilant climate, but you can still show your gratitude. There are several organizations that will enable you to safely send a care package. Instead of putting the goodies together yourself, you’ll make a donation to one of these recognized organizations and they will assemble and send the package for you. You can find a list of these organizations and contact them directly here.
Lots of these funds are 501(c) (3) organizations, which makes your donation eligible for a tax deduction. To find out whether a charity is qualified charity, check out the IRS’ list of federally recognized organizations.

4. Make a donation

Sometimes, a monetary donation is the best way to show where your true values lie. There are loads of nonprofit organizations out there that offer a plethora of services to members of the military and gladly accept donations. Look through this list to find the one that’s right for you.

5. Donate your car

If you’ve just bought a new set of wheels and you’re looking for a way to get rid of your old vehicle, consider donating it to the military. There are lots of organizations, like the Veterans of Foreign Wars Foundation, which will happily take your old car, truck or RV and donate its value to the military. These services are free of charge, highly convenient, and many are federally recognized charities that can net you a tax deduction for your donation. Let your vehicle serve our country even after it’s retired!

6. Attend a Veterans Day event

Find out about the Veterans Day events and parades being hosted in your town and attend at least one of them to show your support for the military.

7. Bake some cookies

Sometimes, a homemade gesture is the best way to express your gratitude. Whip up a batch of your favorite cookies to share with a service member you know on Veterans Day. You’ll be showing the veteran how much you appreciate their service in the sweetest way possible.

8. Send a card or email

If you personally know a veteran, take this opportunity to send him or her a postcard or email that recognizes their contributions to the country. If you don’t know any current or past service members, you can look up the closest military station and simply send one there. An anonymous soldier will be gratified to know that the people of this country appreciate all they have done to keep us safe and protected.

9. Run for our veterans

If you like to get up and move it, consider running or walking for our vets. You can join a sponsored race that donates its proceeds to the military almost anywhere in the country. Get some friends to join you and work up a real sweat while supporting our vets. There are lots of organizations, like Veterans Day 10K, which will help make your race possible by providing you with logistics and fundraising web pages for your run. Look up more information about races around the country on Militarybenefits.com.
Veterans Day is about a lot more than a day off from school and awesome sales at your favorite store. This Veterans Day, make sure to thank a vet and show your appreciation for our country’s true heroes.

Beware of Natural Disaster Scams

When disaster strikes, so do the scams. If you live in an area that’s prone to storms and flooding, or you volunteer to help victims of natural disasters, beware of these post-disaster scams so you’re not taken for a ride.
1. Bogus charities
As soon as a natural disaster hits, fake charities spring up everywhere. Unfortunately, these scams are often successful at swindling victims out of thousands of dollars.
Never take a request for monetary aid at face value. Check out the charity’s authenticity at Charitynavigator.org and on the Better Business Bureau website. If you find the charity does exist, and is a reliable organization, make sure the website address (URL) is correct and you’re not working with a copycat site. Or, contact the charity on your own.
2. FEMA imposters
After a natural disaster, scammers impersonate FEMA representatives to collect victims’ personal information and/or their money.
If you applied for FEMA and you receive a phone call from someone claiming to represent the federal organization, only share your FEMA claim number over the phone. If the caller is legitimate, they’ll already have any other information they need.
If a FEMA representative shows up at your home, ask to see a FEMA-issued photo ID badge. Do not give the “FEMA rep” any of your money – or any of your personal information.
3. Shady contractors
Many so-called contractors scour storm-damaged neighborhoods to offer their services to homeowners who are seeking repairs. They may ask for upfront payment and then do a sloppy job or never complete it. Carefully research any contractor you’d like to use before hiring, and never agree to pay for all or most of the repairs before the work is done.
4. Damaged cars
Sometimes, a car that’s been in a flood or hurricane can be fixed up so to look fine on the outside despite a heavily damaged interior. Shady car salespeople might try to sell these vehicles to unsuspecting consumers who have no idea the car has been in a storm.
If you’re shopping for a car in an area that has recently been hit by a natural disaster, check out the car’s history on Carfax.com.
If you suspect fraud of any kind, let the FTC know at FTC.gov.

Capital One Compromise and Cardholder Fraud Education

It was announced in the media that a hacker gained access to more than 100 million Capital One customers’ accounts and credit card applications earlier this year. At this point in time, Capital One is saying that the vulnerability has been fixed and that it is “unlikely that the information was used for fraud or disseminated by this individual.” However, the company is still investigating. It was also noted that “no credit card account numbers or log-in credentials were compromised and that over 99% of Social Security numbers were not compromised.” 

Although only Capital One customers are impacted by this breach, we consider this is the perfect opportunity to remind everyone of how stolen cardholder information is used to commit fraud.

Fraudsters have become increasingly adept at getting cardholders to share the information they need to commit fraud by posing as financial institution call center agents, or by sending text messages that look like they are coming from your institution, warning of suspicious transaction activities. They are also known to call in to call centers posing as cardholders requesting changes to card information and parameters. 

The fraudsters do this by using information stolen through data breaches at health insurance providers, reward program providers, credit bureaus, merchant terminals, and social media sites, as well as through malware programs deployed on personal computers, to mention just a few. Stolen personally identifiable information (PII) is combined with stolen card information, resulting in sufficient information to create profiles that fraudsters can use to position themselves as the actual cardholders. 

The following points can help you avoid compromising your personal information: 

• The only way CSE will contact a Member regarding fraud is through a phone call from (877).253.8964 warning you of suspicious activity on your card. The first attempt is by an automated system asking you to verify a list of transactions. If the Member does not answer it will leave a voicemail with a Case ID number. If you are uncertain about questions being asked or the call itself, please hang up and call us directly at 477.2000. If a call is received by the cardholder, claiming to be our Call Center and asking to verify transactions, no information should have to be provided by the cardholder other than their zip code, and a ‘yes’ or ‘no’ to the transaction provided.

• If you are set up to receive a text alert from us through Online Banking, it will always be from a 5-digit number and NOT a 10-digit number resembling a phone number. A valid notification will never include a link to be clicked. Never click on a link in a text message that is supposedly from us.

• We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly. Fraudsters will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put it on the new card. Many people believe this and provide their PIN. The 3-digit CV2 code on the back of the card will allow a fraudster to conduct card-not-present transactions. 

• Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially If you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance. 

• If you have received a voice- or a text-message from us and are unsure about responding to it, call us directly for assistance. 

For more information on how to avoid fraud, please contact a CSE Representative at 477.2000

Source: Fiserv Inc. (2019) Capital One Compromise and Cardholder Fraud Education [PDF file].

Which Features Should You Look For in a Vehicle?

Shopping for a car doesn’t have to be complicated. To help you out, we’ve created a list of key features to consider in your new car, and a list of features you can skip. 

Must-have safety features 

  • 360-degree camera: This camera gives drivers a bird’s-eye view of the area around the car.
  • Evasive steering: This feature provides additional steering support when you’re in danger of colliding with another vehicle, and your own steering efforts are insufficient.
  • Forward collision warning: Drivers get a visual and/or audible alert when their vehicle is heading toward a forward collision.
  • Blind spot alert: This feature alerts the driver when there is an object or pedestrian in direct line of their blind spot.
  • Automatic emergency braking: Stay safe with this feature, which automatically applies the brakes when it senses a vehicle in your car’s way. Some systems include pedestrian detection as well.

Convenient features 

  • Automatic keyless entry: This feature automatically unlocks a car’s doors when it senses a nearby fob.
  • Power tailgate: This feature for pickup trucks and SUVs lets you lower and raise your tailgate with the push of a button.
  • Multi-zone climate system: Family road trips are peaceful again with this feature, which allows for different climate controls throughout the car.
  • Speedy USB-charging outlets: No more unbearable waits for your gadgets to power up with this super-speedy USB port.  
  • Heated steering wheel and driver’s seat: This one is for those frosty mornings when your car can’t get warm fast enough.
  • Wireless charging pad: Just place your phone on one of these pads and it will start powering up.

Fun-to-have features 

  • Home assist device connectivity: Some new cars allow you to use remote voice control with home assist technologies, like Alexa, for your car.
  • Rear entertainment systems: This feature gives the rear seat of your car a completely separate entertainment system.
  • Android Auto and Apple CarPlay: These features sync your smartphone’s interface with your car’s infotainment system for easier phone control.

Features you can skip 

  • Bigger wheels and thinner tires: The ride will be less comfortable and your wheels will be more prone to damage from potholes.
  • Built-in navigation systems: Most built-in navigation systems require constant updates.
  • Lane keeping assist: This feature automatically steers or brakes your car when you cross a lane marking without turning on a blinker. In real life, though, it can be annoying as you’ll often need to cross a lane marker for good reason, like moving over for an emergency vehicle.

Before you start shopping, call, click, or stop by CSE Federal Credit Union to hear all about our auto loans!

Save big this season with our handy list of back-to-school shopping hacks! 

1.) Plan to shop 5 times

To take full advantage of sales and clearance events throughout the summer, plan on making 5 shopping trips this season so you can get the best prices when they are offered. 

2.) Stock up

While prices are low, buy enough school supplies to last through the first half of the year or more. You’ll save a ton and not have the hassle of buying more later. 

3.) Take advantage of loss leaders 

Every week this season, retailers sell one product at a super-low price. This is their loss leader: an item priced so cheaply that retailers actually lose money on sales. Make sure you catch those deals! 

4.) Shop the dollar store 

Before you hit the regular stores, shop for real bargains at dollar stores like Dollar Tree and Family Dollar. 

5.) Buy designer backpacks online 

Check out sites like 6PM and eBags for fantastic deals on designer backpacks. 

6.) Use manufacturer coupons 

Check out circulars, like RedPlum, and coupon sites, like Retailmenot.com, for manufacturer coupons from supply companies. 

7.) Decode price tags 

Here’s how these popular stores mark their lowest prices: 

  • The Gap: Ending in $.97
  • Target: Ending in an 8
  • Old Navy: Ending in $.47
  • TJMaxx: Yellow price tag

8.) Shop through Ebates 

Do all your online shopping through cash-back sites, like Ebates, and get 2-4% of every purchase back. 

9.) Coordinate with other parents 

If you’re in Walmart when they have bargain-priced pencils, offer to buy a few boxes for your friend’s kids. And, when your friend finds the super-hot deal on crayons, he’ll pick up a few boxes for your kids. 

10.) Check out gift-card sites 

Save big by buying discounted gift cards to stores like Michael’s and JCPenney on sites like GiftCardGranny and Raise. 

11.) Use the Amazon App 

Have your phone handy when shopping so you can comparison-shop when buying your supplies. If an item is cheaper on Amazon, why buy it at a store? 

12.) Sign up for promotional mail 

  • H&M: Save 20% on one item when you text your email address to 707-03
  • Kohl’s: Save 15% off your entire order by texting SAVE15 to 564-57
  • Old Navy: Sign up for a weekly text alert by texting 6046 to 653-689 and get a $5 coupon; and also sign up for promo emails on OldNavy.com to get a 30%-off coupon
  • Crazy8: Sign up for emails and receive 18% off your next order plus free shipping
  • The Children’s Place: Input your email address in the pop-up box on TheChildrensPlace.com and get a $10 coupon.

13.) Take advantage of price-matching 

Lots of stores, like Office Depot, Staples and Target, offer to match any competitor’s price. 

14.) Shop early in the week 

Weekly sales go live on Sundays and the best deals get grabbed first. Shop Sundays and Mondays, and never miss out on a great deal again. 

SOURCES:

https://www.google.com/amp/s/thekrazycouponlady.com/tips/money/back-to-school-shopping-hacks.amp.html

https://www.worthpointeinvest.com/the-best-time-saving-hacks-for-back-to-school-shopping/

https://www.sixsistersstuff.com/10-back-to-school-shopping-hacks/

https://money.usnews.com/money/personal-finance/articles/2015/07/22/14-back-to-school-shopping-hacks

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

WHAT TO BUY AND WHAT TO SKIP ON MEMORIAL DAY

Since 1971, Memorial Day has been celebrated as an extended weekend away from work–and the unofficial start of summer. It’s time to get that grill going, dust off your patio set, and break out the white jeans you’ve had stashed away all winter. 

More recently, Memorial Day has also turned into a second Black Friday for retailers,  each offering loads of sale events in stores and online,and each promising to save you heaps of money. Lots of these sales will run for a full two weeks, starting a week before Memorial Day, which falls on May 27 this year, and continuing until the end of the month. 

As always, though, not every marked-down product is actually a bargain. In fact, you can sometimes get the same product a lot cheaper by waiting  a few months—or even just a few weeks. And of course, if the for-sale item is not one you need, you’re better off leaving it in the store. But, if you know what to shop for and you’re careful to stick to what you need and can afford, you can find some great deals. 

Let’s take a look at what to buy and what to skip this Memorial Day weekend. 

Buy: Outdoor essentials 

Get ready to welcome summer with outdoor gear like grills, lawn mowers, mulch, ladders, and more, which may be marked down as much as 50% at stores like Lowe’s and Home Depot. Online retailers, like Wayfair and Overstock, host similar events and may offer free two-day shipping in honor of the summer season kickoff. 

Skip: Electronics 

You’re going to see lots of crazy-low deals on gaming consoles, laptops, and tablets around Memorial Day weekend. But, unless you need one now, it’s better to wait it out. You’ll find even better deals on electronics during Black Friday season, when retailers are looking to clear out last year’s models to make room for the newer inventory. If you need your electronics sooner than November, you may consider waiting until July, when many retailers host “Black Friday in July” events that feature steep discounts on electronics. 

Buy: Furniture 

Memorial Day weekend is the perfect time to spruce up both the inside and outside of your home with new furniture. You can snag a great deal on a fully-loaded patio set, pick up a comfortable sofa, and even swap your old mattresses for new ones, all at great prices. You may need to use a coupon code to qualify for the reduced price, so be sure to check out a retailer’s website before hitting the store. 

Skip: TVs 

Don’t make the mistake of picking up a new TV in May just because you found one at an excellent price. Most marked-down TVs you’ll find around Memorial Day are older models with outdated features. You can find much better deals on newer models in November or January.  

Buy: Wedding registry gifts 

Department stores, like Macy’s and JC Penney, offer discounts on household essentials, like coffee makers and blenders, in advance of the wedding season. You’ll also find markdowns on these items at specialty stores, like Bed Bath & Beyond. If you’ve got any weddings to attend this summer, pick out a registry gift now to save big. 

Skip: Cars 

If you’re looking for a new set of wheels, wait until after June. You’ll find the hottest deals on cars between July and October, when dealerships are trying to move old inventory and make room for the newer models. 

Buy: Tires 

Preparing the family car for a summer road trip? You’ll find the year’s best prices on tires around Memorial Day weekend. 

Skip: Swimwear 

Don’t splurge on swimwear and other summer apparel just yet. Wait until June, or even mid-summer if you can swing it, for the steepest discounts. 

Buy: Spring apparel 

Retailers have been displaying their warmer-weather line for months now. That makes the end of May a perfect time to stock up on spring wear. 

Skip: Power tools 

You’ll only have to wait a few weeks for the hottest deals on power tools. Father’s Day sales usually start at the beginning of June, and they offer deep discounts on power tools and other outdoor power equipment. 

Buy: Appliances and home décor 

Retailers and manufacturers alike offer markdowns on large household appliances, like refrigerators, dishwashers, and ovens, at the end of May. Hold onto your receipts, as you may need to mail them to the manufacturer for a cash-back rebate. You can also score a deal on home décor products, like light fixtures, flooring, and kitchen essentials, at Memorial Day sale events. 

Skip: Jewelry 

All that glam won’t glow so brightly if you have to drain your wallet to pay for it. Skip the diamonds this month and wait until late summer, when the jewelry business is at its slowest and retailers put some of their products on sale. If you can wait even longer, push off your purchase until the end of February, when jewelry prices are at their lowest. 

Now that you know what to buy and what to skip this Memorial Day, you can kick off the season of poolside barbecues and aimless road trips by snagging some great deals! 

SOURCES:

https://www.finder.com/memorial-day-sales

https://www.google.com/amp/s/www.marketwatch.com/amp/story/guid/99B0B79C-4236-11E7-AE38-779A9096A819

https://www.nerdwallet.com/blog/shopping/shopping-tips-news/what-to-buy-skip-may/

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