THE ULTIMATE GUIDE TO YOUR FIRST APARTMENT

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1 WINTER 2019 THE ULTIMATE GUIDE TO YOUR FIRST APARTMENT If you re in the market for your first apartment, you may be feeling a little lost-and more than a little overwhelmed. How do you get started? What should you be looking for in an apartment? How do you check out a building? So many questions, and we ve got answers! Let E & G Employees FCU walk you through the apartment-hunting process from start to finish, and you ll have the key to your new apartment faster than you thought possible. GETTING STARTED Before you look at any apartments, make a short checklist of what you re looking for in a rental. Create a list of features in order from most important, such as location or the minimum square footage, to least important, like a fireplace or extra washroom. Next, crunch some numbers. Take a look at your monthly budget and determine the maximum amount you can afford to spend on monthly rent. This amount should also include all associated fees and utilities. With your wish list and budget in hand, you re ready to start looking for places to live. Check out rental listings on sites like Zillow or Rent.com, look up units in the local paper and/or ask friends and family if they know of any apartment vacancies in the neighborhood. INSIDE THIS ISSUE: LUCKY LOAN PROMOTION HANDS ACROSS COMMUNITY CAMPAIGN TAX RETURN DIRECT DEPOSIT GUIDE TO RENTING YOUR 1ST APARTMENT Once you ve compiled a list of possible apartments, contact each landlord or property manager and start hunting! (continued inside)

2 HURRY OFFER ENDS MARCH 8, 2019 $1000 CLOSE ON A NEW LOAN FOR A CHANCE TO WIN *! GRAND PRIZE $1,000 Visa Gift Card 2 SECOND PRIZES $200 Visa Gift Card 5 THIRD PRIZES $100 Visa Gift Card 7 FOURTH PRIZES My Ribbon Rewards Card ENTER TO WIN! Loans up to $9,999 will get one (1) entry Loans between $10,000 to $19,999 gets two (2) entries Loans over $20,000 gets three (3) entries No purchase is necessary to enter! * *No purchase is necessary to take part in the drawing. Any member in good standing may send a 3 X 5 index card with, name, account number, address, home phone, cell phone and mail it to E&G Employees FCU 333 N. Central Ave. Hartsdale, NY Attn: Winter Gift Promotion. Only one (1) card per member is allowed to receive the one (1) entry. Lucky Loan promotion entries are calculated on New Money amounts only. New Money up to $9,999 gets 1 entry, $10,000 to $19,999 2 entries and over $20,000 3 entries. Odds will vary depending on the final number of entries. Visa Gift cards are subject to Visa terms and conditions. If loan is an add on to an existing loan, the entire balance will be calculated at the prevailing rate and only the New Money portion will be used for entry qualification. An application for credit is required and approval process is based on member s credit history. Mortgage loans, Visa credit cards, and overdraft LOC are excluded from this offer. Credit union may alter or end promotion at any time. See for current rates or call the credit union for complete details at (914) APPLY FOR A LOAN * TODAY! IN PERSON OR BY MAIL. VISIT US AT 333 N. CENTRAL AVENUE, HARTSDALE: (9

3 FAST TAX REFUNDS WITH DIRECT DEPOSIT It s the safest and fastest way to have access to your refund dollars! When you select Direct Deposit on the 1040 tax form, your refund is electronically deposited directly into the credit union account of your choice (Checking or Savings). 3 QUICK AND EASY STEPS Just follow these three steps on your 1040 tax return to have your refund electronically deposited into your E&G EFCU account. Enter E&G EFCU s Routing Number: (line 20b) Choose your Checking or Savings account for your deposit by checking appropriate box. (line 20c) Enter your E&G EFCU Account Number no spaces or dashes. (line 20d) HANDS ACROSS THE COMMUNITY CAMPAIGN E&G Employees FCU is proud to live by the credit union philosophy of People Helping People. We realize that, as a member of the community, we have a responsibility to support our members who make our community better. This is why we have so actively supported three local charities during 2018 and intend to do the same in These charities include Maria Ferrari Children s Hospital, Project Morry and The Guidance Center of Westchester. We are so excited to report the following at the conclusion of the 2018 Campaign. 18 Add lines 16 and 17. These are your total payments Refund 19 If line 18 is more than line 15, subtract line 15 from line 18. This is the amount you overpaid.. 20a Amount of line 19 you want refunded to you. If Form 8888 is attached, check here.... Direct deposit? b Routing number c Type: Checking S See instructions. d Account number 21 Amount of line 19 you want applied to your 2019 estimated tax.. 21 Amount You Owe 22 Amount you owe. Subtract line 18 from line 15. For details on how to pay, see instructions.. 23 Estimated tax penalty (see instructions) Go to for instructions and the latest information. Maria Ferrari Children s Hospital $2, The Guidance Center of Westchester $ Project Morry $ Total 2018 Contribution $3,179.96

4 THE ULTIMATE GUIDE TO YOUR FIRST APARTMENT (CONT.) WHAT TO LOOK FOR Take this handy guide along on your apartment hunts so you can make an informed decision. 1 Price Find out exactly what s included in the quoted rental price. Will you be billed separately for utilities? Do you need to pay for a parking spot? 4 Apartment location Is the apartment near a popular café or bar? Is it close to a busy intersection or highway? Is there public transportation available nearby? Check for any additional fees attached to this rental. Ask about the following: Application fee Background check fee Association fee Amenity fee Pet fee Security deposit fee Early termination fee 5 6 Common areas Are the common areas in the building kept clean and in good condition? Noise level When checking out an apartment, listen for the noise level that filters in from surrounding units. 2 Maintenance Who is responsible for general repairs and maintenance? What s the procedure for submitting a request? What s the estimated response time? 7 General condition of apartment Flush the toilets, run the sinks and showers, check out the electric sockets and try out the windows. Make sure everything is in perfect working order before you sign the lease. 3 Decoration policy Will you need permission before hanging a picture or painting the walls? 8 Cellphone reception Make a phone call while you re checking out the apartment to see if you ve got good reception. SEALING THE DEAL Before you sign a lease, follow these final steps. First, get the contact info of another renter in the building. Ask your reference to clear up anything you re unsure about regarding the building or the neighborhood. Next, read through the lease very carefully. Check for hidden fees, lease renewal and termination policies as well as rent collection procedures. Finally, if everything checks out, you re ready to sign. Best of luck in your new home! VISIT E&G S NEW WEBSITE NOW OFFERING MORE INFORMATION AND CONVENIENCE TO MEMBERS. Online Applications You Can E-Sign and Submit to Us New Financial Education Section New Frequently Asked Questions Button Log Into Home Banking From Any Page And So Much More-Check It Out Today! 14) W. FIRST STREET, ROOM 311, MT. VERNON:

5 VOLUNTEER WE NEED YOUR HELP E&G Employees FCU is looking for volunteers willing to offer their leadership skills by being a member of our volunteer board of directors or part of our supervisory committee. The board of directors in consensus with management helps steer the direction of the credit union and the supervisory committee helps make sure members are receiving the best in service and security. The time commitment for a board of directors position is about 3-4 hours a month and the supervisory committee about 1 hour or so a month. Why not consider helping us help you. Please contact us at (914) or us at info@egefcu.com. MORE SAVINGS. MORE POSSIBILITIES. MEMBERS SAVE UP TO $15 ON TURBOTAX, THE TAX SOFTWARE THAT HAS YOU COVERED This year, get your biggest possible tax refund without leaving your living room. TurboTax, the #1 best-selling tax software, is up to date on the latest tax laws and guarantees 100% accurate calculations, so you can be confident your taxes are done right and get your biggest possible refund. And, as a credit union member you can save up to $15 on TurboTax this tax season. To access the member discount, click on the TurboTax web banner located on our credit union s website. Start today and save! Searches over 350 deductions. TurboTax finds every deduction and credit you qualify for, so you don t miss a thing. Get a head start on your taxes. Snap a photo of your W-2 or import it into TurboTax from over 1 million companies. Either way, you ll save time and get a jump start on your tax return. Expert review of your return. With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return. MORE SAVINGS WITH LOVE MY CREDIT UNION REWARDS! In addition to the TurboTax discount, members have saved nearly $2 billion on offers from these great partners: The BENefits of credit union membership will have you seeing dollar signs. Right now, credit unions members can get cash rewards for each new line you activate with Sprint! Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Call to activate this special offer. Get trusted protection at true savings with the TruStage Auto & Home Insurance Program. Shop and get cash back at over 1,500 online retailers with Love to Shop. Visit for TurboTax product guarantees and other important information. Limited time offer for TurboTax Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. (914) OR ONLINE AT

6 PRSRT STD U.S. Postage PAID Wilkes-Barre, PA Permit #413 MAIN OFFICE Second Floor, 333 N. Central Ave. Hartsdale, NY Phone: (914) Fax: (914) Mon., Tues., Wed., & Fri.: 9:00 am 4:00 pm Thursday: 9:00 am 6:00 pm BRANCH OFFICE 22 W. First Street, Room 311 Mt. Vernon, NY Phone: (914) Fax: (914) Mon., Tues., Wed., & Fri.: 9:00 am 4:00 pm Thursday: 9:00 am 5:30 pm Equal Opportunity LENDER HOLIDAY CLOSINGS Presidents Day Monday, February 18, 2019 Good Friday April 19 Closing at 2pm Memorial Day Monday May 27, 2019 IMPORTANT DATES Tax Day Tuesday, April 15, 2019 READ ALL ABOUT OUR LUCKY LOAN PROMO Win A VISA Gift Card * WINTER NEWSLETTER 2019