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Real Estate Brokers in Waterville Maine - PDF

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					                                                                                           Published by New Dimensions Federal Credit Union




Staff of NDFCU dressed up for Halloween 2007.
                                                                                                                                       January 2008

      CEO Corner                                                                                      Inside
  Dear Members,                                                                                      Services. . . . . . . . . . . . . . . . . . . 2

  I would like to start by saying thank you to all the members for making 2007 a successful          Get Some Credit for
  year for the credit union. It is because of you the credit union continues to thrive and           Saving Energy . . . . . . . . . . . . . . 2
  succeed.                                                                                           Car Buying Seminar . . . . . . . . 2
  There has been a lot of media coverage recently regarding the “Subprime” mortgage
                                                                                                     Start Getting Ready Now
  crisis. Large mortgage brokers have failed and several banks have indicated significant
  delinquency problems based on their subprime portfolios. I want you to know that your              for Filing Your Taxes . . . . . . . . . 3
  credit union does not make those types of loans. However, if you feel that you are a               Youth Matters. . . . . . . . . . . . . . 3
  victim of “Subprime” mortgage abuse, call us! We are here to help.
                                                                                                     Take Charge
  On behalf of New Dimensions Federal Credit Union I would like to extend wishes for a
                                                                                                     Account Holders . . . . . . . . . . . 3
  healthy, happy and prosperous new year.
                                                                                                     Privacy Notice . . . . . . . . . . . . . 4

  Sincerely                                                                                          Hours of Operation . . . . . . . . . 4

                                                                                                     Holiday Closings. . . . . . . . . . . . 4

                                                                                                     Employee Anniversaries . . . . . 4
  Ryan G. Poulin
  President/CEO
                                                                                                     Fundraising Efforts



  Annual Meeting Notice
  The date for the 52nd Annual Meeting has been set for Sunday, March 16th at 1:30
  p.m. The meeting will be held at the Waterville Elks Lodge in the Industrial Park off the
  Armory Road in Waterville. The business meeting will be followed with the awarding of
                                                                                                     Ryan Poulin, left, Mr. Normandeau, right.
  prizes and refreshments.
                                                                                                     We presented Mr. Normandeau with
  The Annual Meeting is held so that credit union officials can report the financial condition
                                                                                                     a check in the amount of $2,170. 59
  of the credit union to the members. Elections are held for any open seats for the Board
                                                                                                     for the Maine Children’s Cancer
  of Directors and Supervisory Committee.
                                                                                                     Program.
  Members are highly encouraged to attend.
                                                                                                     A sincere thank you for making
                                                                                                     our fundraising year successful.


                                               Providing our members with excellent benefits and services
  Mission Statement:                           while promoting the uniqueness of the credit union philosophy.
                                                                                                         Get Some Credit
    Services Offered                                                                                     For Saving on Energy
    ·   Share Deposit Accounts                                                                           Uncle Sam isn’t completely heartless, as
    ·   Share Draft (Checking) Accounts                                                                  some may claim him to be. A new
    ·   Monty Moose Youth Savings Program                                                                energy bill allows the federal govern-
    ·   Take Charge Young Adult Savings                                                                  ment to provide tax credits related to
    ·   Sixty Plus Senior Program                                                                        energy. Since January 1, 2006,
    ·   Share Certificates                                                                               consumers are rewarded for making
    ·   IRA Certificates                                                                                 some energy-saving improvements to
    ·   Certificate Savings (Tiered) Accounts                                                            their homes and buying energy-efficient
    ·   Club Accounts                                                                                    vehicles.
    ·   Small Business Services                                                                          Energy-Saving Home
    ·   Traditional and Roth IRAs                                                                        Improvements
    ·   Coverdell Education Savings Accounts                                                             Consumers will be given a tax credit
    ·   ATM                                                                                              for taking steps such as installing
    ·   Night Deposit Box                                                                                energy-efficient windows and doors,
    ·   Teller-Phone SM                                                                                  adding insulation, putting in highly effi-
    ·   Online Anytime Home Banking                                                                    cient air-conditioners, and installing an
    ·   Click-n-Pay Bill Pay Service             energy-efficient furnace. To qualify for the tax credit, these improvements must take place
    ·   CUe-Statements via the Internet          between January 1, 2006 and December 31, 2007. The credit is applied according to the
    ·   Visa® Check and Credit Cards             tax year in which the improvement is made.
         (no annual fee)
                                                 The dollar cap for installing energy-efficient windows is $200, which means you can claim
    ·   Visa Gift Cards
                                                 up to that amount. You can also claim up to $300 for installing a highly efficient air-condi-
    ·   Prepaid/Reloadable Visa Cards            tioner, up to $150 for installing a more efficient gas, propane or oil furnace or boiler, and
    ·   Payroll Deduction                        $50 for an advanced main air-circulating fan. What’s more, if you install solar panels, you
    ·   Maine Advantage Education Loans          may claim 30% of the cost (including labor) up to $2,000. Unfortunately, solar heating
         (Federal Stafford Student and Plus      systems for hot tubs and pools do not qualify.
         Loans)
    ·   Auto Loans                               Buying Energy-Efficient Vehicles
    ·   Personal Loans                           If you’re considering a new car purchase, go for the new hybrid or diesel automobiles. In
    ·   Recreational Vehicle Loans               the past, hybrid buyers were given a $2,000 tax break. With the new bill, energy-efficient
    ·   Real Estate Loans                        vehicles will qualify their drivers for a credit ranging from $400 for a 25% improvement in
    ·   Home Equity Line of Credit               city fuel-economy to a $2,400 credit for a 150% improvement. David Friedman, a research
    ·   Construction Loans                       director for Union of Concerned Scientists, an advocacy group, estimates that hybrid
    ·   Commercial Loans                         buyers will get tax credits somewhere between $650 for the Honda Accord hybrid and
    ·   Life and Disability Insurance Programs   $3,150 for the Toyota Prius. The one drawback is that once a manufacturer sells 60,000
         (available to qualified borrowers)      vehicles eligible for such credits, the manufacturer’s credits begin to phase out during the
    ·   Guaranteed Auto Protection Program       next year and a half until it disappears altogether.
         (GAP Plus)
                                                 The bottom line is that becoming energy-efficient saves not only financially, but also on
    ·   Route 66 Extended Warranty
                                                 premature energy source depletion.
    ·   Identity Theft 911
    ·   Indirect Lending Program
    ·   Safe Deposit Boxes
    ·   Coin Stream® (coin machine)              Car Buying Seminar
    ·   Financial Planning                       “The Real Rebate”
    ·   ACH/Wire Transfers
    ·   Money Orders                             On Tuesday, February12th at 6:30 p.m. We
    ·   American Express Traveler’s Checks       invite you to join us at the Hampton Inn – 425
    ·   American Express Gift Checks             Kennedy Memorial Drive in Waterville for a FREE
    ·   U.S. Savings Bonds Redeemed              Seminar on Car Buying “The Real Rebate”.
    ·   Federal Tax Payments Accepted            This is a great opportunity to learn about Rebates,
    ·   Free Notary Service                      0% offers and The Hidden Costs that the dealerships
    ·   Signature Guarantee Service              don’t tell you about.
    ·   Fax and Photocopying                     If you plan on buying a new car this spring you don’t want to miss this seminar!
    ·   Voice Mail
                                                 Light refreshments will be served. Seating is limited so RSVP Windy at 872-2771 or
    Call or come in to use these                 wdubay@newdimensionsfcu.com.
    convenient services at New
    Dimensions Federal Credit Union.
    Where membership makes a
    difference and we belong to you.
2
Start Getting Ready Now
to File Your Taxes
                                                                            YouthMatters
                                                                                Monty Moose Marathon
                                                                                Our Third Monty Moose Marathon was held on October
                                                                                19th. It was attended well again this year by our young
                                                                                savers who had fun meeting Monty.
                                                                                Monty Moose matched deposits made up to $5 and gave
                                                                                an opening deposit to new savers joining the club. Light
                                                                                refreshments were served along with giveaways.
                                                                                A drawing of $50 was done for savers who deposited to
                                                                                an existing account or opened up a new account.
                                                      The winner was Meghan McNeil of Waterville. Congratulations!

Although most of us know it happens every
year in April, many of us don’t think to prepare
for filing our tax return. We tend to put it off
and put it off until April 15th is right around the
corner. But you should be keeping taxes in mind
all year long, and keep careful records stored in
a safe place. That way they’ll be there when it
comes time to prepare your tax return.
Whether you do it yourself or use the services
of a tax professional, here are some suggestions
regarding the records that you should be setting
aside all year round.
• Gather and keep together all papers related
  to any investments you have made, particu-
  larly buys and sells of stocks made in 2007.
  This includes not only brokerage statements,
  but also individual buy and sell confirmations
  for each security.
• Collect records of contributions you’ve made
  to IRAs and other retirement plans, including
  a Roth IRA, just for the reference. These are
  not taxed.
• Did you make improvements on your home?
  Keep those records handy.
                                                      Take Charge
• If you make donations to charitable organiza-
  tions, organize those records, too.
                                                      Account Holders
• Don’t forget property tax information, includ-      Attention seniors applying to college. A Take
  ing your vehicles and mortgage, as well as          Charge Scholarship from New Dimensions
  your home equity loan and interest or divi-         may help cover some of your expenses.
  dends earned on savings.                            Call the credit union at 872-2771 for an
                                                      application and program information or
• Watch for and keep together your W-2 forms          download your application from the
  from employers.                                     Youth Accounts page of our website,
Keeping these records together will make it a         www.newdimensionsfcu.com.
little easier for you when you sit down to            April 1st is the deadline to apply for the
prepare your tax returns. Of course, if you wind      scholarship.
up having to pay, that’s not much consolation.
Sorry.



                                                                                                                                           3
                                                                Privacy Notice and Disclosure
                                                                New Dimensions Federal Credit Union, your member owned financial institution, is commit-
                                                                ted to providing you with competitive products and services to meet your financial needs
                                                                and help you reach your goals. We are equally committed to protecting the privacy of our
                                                                members. Under federal law, we are required to give you this privacy notice. It describes our
                                                                credit union’s privacy policy and practices concerning the personal information we collect
                                                                and disclose about our members. It also includes information about the parties who receive
                                                                personal and sometimes nonpublic information from us as we conduct the business of the
61 Grove Street
Waterville, Maine 04901-5826                                    credit union. These practices are followed by the credit union.
207-872-2771
                                                                If after reading this notice you have questions, please contact us at:
Toll Free: 1-800-326-6190                                       1-800-326-6190
Fax: 207-877-0555
Teller-Phone SM: 207-872-4903 or                                or write to:
                 1-866-308-2042                                 President/CEO
 www.newdimensionsfcu.com                                       New Dimensions FCU
                                                                61 Grove Street
                                                                Waterville, ME 04901
 Hours of Operation
 Lobby                                                          Information We Collect About You
 Monday–Wednesday 9:00–5:00                                     We collect nonpublic personal information about you from the following sources:
 Thursday and Friday 9:00–6:00
                                                                   • Information we receive from you on applications and other forms
 Drive-Up Window                                                   • Information about your transactions with us
 Monday–Wednesday 8:00–5:00
 Thursday and Friday 8:00–6:00                                     • Information we receive from a consumer reporting agency
                                                                   • Information obtained when verifying the information you provide on an application or
Holiday Closings                                                      other forms. This may be obtained from your current or past employers, or from other
 The credit union will be closed in                                   institutions where you conduct financial transactions.
 observance of:                                                 Information We Disclose
Martin Luther King, Jr. Day                                     We do not disclose any nonpublic personal information about our members or former
Monday, January 21, 2008                                        members to anyone, except as permitted by law.
Presidents’ Day                                                 Disclosure of Information to Parties That Provide Services to Us
Monday, February 18, 2008                                       We may disclose all of the information we collect, as described above, to companies that
                                                                perform marketing services on our behalf or to other financial institutions with whom we
                                                                have joint marketing agreements.
Employee Anniversaries                                          Disclosure of Information About Former Members
We proudly recognize the following                              If you terminate your membership with New Dimensions Federal Credit Union we will not
employees celebrating their anniversaries
                                                                share information we have collected about you, except as may be permitted or required by
with the Credit Union during this quarter:
                                                                law.
Windy Dubay ..................................13 years
                                                                How We Protect Your Information
Trishia Roderick ............................11 years
Paula Pomerleau ..........................10 years              We restrict access to nonpublic personal information about you to persons who need to
Elaine Latulippe ............................10 years           know that personal information to provide products or services to you. We maintain physi-
Cathy Davis ..........................................9 years
                                                                cal, electronic, and procedural safeguards that comply with Federal Regulations to guard your
                                                                nonpublic personal information.
Lana Prescott ....................................9 years
Sandra Doyon ....................................6 years        What Members Can Do to Help
Darlene Talbot ..................................4 years        New Dimensions Federal Credit Union is committed to protecting the privacy of its
                                                                members. Members can help by following these simple guidelines:
Employee Announcements                                                • Protect your account numbers, plastic card numbers, PINs (personal identification
Please join us in welcoming our newest                                   numbers) or passwords. Never keep your PIN with your card, which can provide free
employees :                                                              access to accounts if your card is lost or stolen.
Brian Harding,                                                        • Use caution when disclosing your account numbers, social security numbers, etc. to
Member Service Representative                                            other persons. If someone calls you explaining the call is on behalf of the credit union
Megan Duffy, Receptionist                                                and asks for your account number, you should beware. Official credit union staff will
We would like to say goodbye to our retiring                             have access to your information and will not need to ask for it.
Lending Manager, Beverly Noonan. Thank                                • Keep your information with us current. If your address or phone number changes,
you Bev for your service over the past two
years.
                                                                         please let us know. It is important that we have current information on how to reach
                                                                         you. If we detect potentially fraudulent or unauthorized activity or use of an account,
                                                                         we will attempt to contact you immediately.
                                                                      • Let us know if you have questions. Please do not hesitate to call us – we are here to
                                                                         serve you!

				
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