a publication by pearl hawaii federal …...cash checking** 2.25% apy up to a balance cap of $10,000...

A PUBLICATION BY PEARL HAWAII FEDERAL CREDIT UNIONISSUE 15 4th Quarter 2019

94-449 Ukee Street • Waipahu, HI 96797

PRESORTEDSTANDARD

U.S. POSTAGEPAID

HONOLULU, HIPERMIT NO. 985

A PUBLICATION BY PEARL HAWAII FEDERAL CREDIT UNION

CA

LEN

DA

R Hawaii Foodbank Drive Nov 12 - Jan 17 All Locations

Martin Luther King Jr. Day

Jan 20 All Locations Closed

President’s Day Feb 17 All Locations Closed

83rd Annual Banquet Mar 21 Dole Pomokai Ballroom

Kuhio Day Mar 26 Closed at Noon

Memorial Day May 25 All Locations Closed

Going Green June 20 Waipio

THANK YOU!

With your help, we were about to assist nearly 412 local families (nearly 1,600 indi-viduals) this holiday season. Thank you for bringing in a gift and sharing your aloha.

Kasasa Checking Accounts

REWARDSKasasa Cash®* 2.25% APY up to a balance cap of

$10,000 APY Range 2.25%-0.43%

Kasasa Cash Back®* 2.50% cash back on qualified debit card purchases up to $400.00

Kasasa Tunes®* Up to $10.00 monthly reward

20035 20194thQuarterNewsletter3 r1.indd 1 1/14/20 2:29 PM

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WAIPIO 94-449 Ukee StreetWaipahu, HI 96797MON - FRI | 10 am to 6 pmSAT | 8 am to 3 pm

AIRPORT TRADE CENTER550 Paiea Street, Suite #128Honolulu, HI 96819MON - FRI | 8:00 am - 4:00 pmSAT | 8:00 am - 3:00 pm

WAIANAE85-866 Farrington HwyWaianae, HI 96792MON - FRI | 9 am - 5 pmSAT | 8 am - 3 pm

pearlhawaii.comEMAIL | [email protected] | 73.PHFCU (808.737.4328)TOLL FREE | 1.800.987.5583

The information is as current as possible. Pearl Hawaii Federal Credit Union reserves the right to add, change or delete services. All rates and terms are subject to change without notice. Questions or comments should be directed to: Wendy Bond, Marketing Director: [email protected]. ©2018 Pearl Hawaii Federal Credit Union.

BOARD OF DIRECTORSChairman: Gordon SamVice-Chairman: Gary MockTreasurer: Clifford ChangSecretary: Glenn DangDirectors: Ryan Tsuji, Jonathan Lee, Kristen WooEXECUTIVE STAFFDaniel Terada, President/CEOJohn Furtado, Senior Vice PresidentLicie Uchino, Vice President of Branch Operations Tony Mau, Vice President of LoansBrandon Oshiro, IT DirectorJennifer Mukai, Human Resource Director Michele Villegas, Risk & Compliance Director Wendy Bond, Marketing Director

LOAN RATES APR*As Low As

TERM PAYMENT ESTIMATES (monthly)For other terms and rates, visit pearlhawaii.com

New + Used Auto** 2.19% 3 Year $1000- 35 payments of $28.73 + 1 of $28.53

Older Model Auto** 2.69% 3 Year $1000- 35 payments of 28.95 + 1 of $28.77

Personal Loans*** 2.99%SPECIAL

1 Year $1000-12 monthly payment of $84.91

3.99%SPECIAL

2 Year $1000- 23 payments of $43.42 + 1 of $43.34

5.50% 3 Year $1000- 35 payments of $30.20 + 1 of $30.02





Motorcycle-New**** 4.25% 2 Year $1000- 23 payments of $43.54, 1 of $43.37

Motorcycle-Used**** 4.75% 2 Year $1000- 23 payments of $43.76, 1 of $43.67

Mortgages: Conven-tional, Investment, First Time Home-buyer (Fixed rates and 0 to up to 3 points avail-able)*****

Please call

30 Year Call 808-73-PHFCU (737-4328) to learn current rate

Home Equity Line of Credit (HELOC)***** Annual Adjustable80% Loan-To-Value

5.50%SPECIALAVAILABLE

---- Annual Adjustable Rate applicable 4/1/2019 through 3/31/2020. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement.Max Loan-to-value $300,000. 127 payments of $100.00 and 1 estimated final payment of $55.14.




HELOC Fixed Advance ***** Owner Occupied

Please call


Closed End Fixed*****Owner Occupied & Investment

3.00% 7 Year $10,000- 83 payments of $132.13, 1 of $131.69

Closed End Fixed*****Investment


Closed End Fixed Rate *****Owner Occupied

Please call


Visa Classic 13.90% Fixed See Visa Credit Card Disclosure at pearlhawaii.com

Platnium Rewards 5.00% + Prime See Visa Credit Card Disclosure at pearlhawaii.com

CHRIS KAMINAKA

PHONE (808) 218.6268 EMAIL [email protected]

WEB phfcu.com/youradvisor

ESTABLISHING A BUDGET

PEARL HARBOR NAVAL SHIPYARD585 Port Royal StreetHonolulu, HI 96818MON - FRI | 8:00 am to 4:15 pm

KAPIOLANI BUSINESS PLAZA1580 Makaloa StreetHonolulu, HI 96814MON - FRI | 8:00 am - 4:00 pmSAT | 8:00 am - 3:00 pm

EWA TOWN CENTER91-1401 Fort Weaver Road #A102Ewa Beach, Hawaii 96706MON - FRI: 10 a.m. to 6 p.m.SAT: 8 am to 3 pm

SAVINGS RATES

Jumbo Savings 0.20% APY*

Savings(Traditional, Children’s, and Christmas)

0.10% APY*

Cash Checking** 2.25% APY up to a balance cap of $10,000 APY Range 2.25%-0.43%

Cash Back Checking** 2.50% cash back on qualified debit card purchases up to $400.00

Rewards Checking** Up to $10.00 monthly reward

SAVINGS CERTIFICATES (Minimum deposit of $1000)

3 year 1.80% APY*

2 year 1.60% APY*

1 year 1.00% APY*

6 months 0.75% APY*

30 to 179 days 0.30% APY*

INDIVIDUAL RETIREMENT ACCOUNTS- IRA (Minimum deposit of $1000)

3 Year-IRA Savings Certifi-cate** (Traditional)

1.80% APY*


1.60% APY*

1 Year-IRA Savings Certifi-cate** (Traditional, Roth, Coverdell)

1.00% APY*

IRA Savings Account (Traditional, Roth, Coverdell)

0.20% APY*

*APY- Annual Percentage Yield. Rates effective 1/1/19. Rates, terms, and offer are subject to change without prior notice. Penalties may apply for early withdrawal. Speak to any staff member for details. **Kasasa Product. Visit pearlhawaii.com/kasasa for account details and requirements, disclaimer, terms, and conditions.

SAV

ING

S R

ATE

S

*Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit anyof our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. **Financed amounts up to 120% of MSRP (new) or Kelley Blue Book Karpower Retail Value +/- value of mileage (used). Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. For used vehicles: Oahu registered vehicles only. Vehicles may not be older than 7 model years old. *** Other terms and rates available. Up to 7 year terms are available. Maxi-mum amount borrowed: $30,000. **** Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require afull coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of$500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 opera-tor’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles,including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensedin the state of Hawai’i.***** NMLS# 472169. The Annual Adjustable Rate will adjust in accordance with theterms of your Credit Agreement and in no event shall the APR be less than 4.00% or greater than 18.00%. The initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. May not be usedfor a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancella-tion without prior notice. Only improved owner-occupant properties on Oahu accepted as collateral. Youmust maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property which secures your Home Equity loan. PHFCU must be listed as a loss payee on the Home Insurance policies. There are nopre-payment penalties or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on amount borrowed and will vary based on member’s situation. Total HELOC loan amount received, rate, and terms are subject to credit approval. For HELOC Fixed Rate Advances: Initial advance must be at least $1000.00, subsequent advances must beat least $250.00. Up to 4 separate loans (1 adjustable rate line-of-credit and up to 3 fully amortized fixed rate advances) can be active at a time for up to a 15-year term. Rate includes United States Treasury Security(USTS) plus a margin. USTS changes daily and is disclosed on USTS’ website. Rates may change at any time.Contact us for more information. Total outstanding balance cannot exceed total approved available credit amount. Maximum loan amount for 7 year, 12 year investment, and 15 year owner occupied aggregate loan amount is up to $625,500.

Do you ever wonder where your money goes each month? Does it seem like you’re never able to get ahead? If so, you may want to establish a budget to help you keep track of how you spend your money and help you reach your financial goals.

Examine your financial goalsBefore you establish a budget, you should examine your financial goals. Start by making a list of your short-term goals (e.g., new car, vacation) and your long-term goals (e.g., your child’s college education, retirement). Next, ask yourself: How important is it for me to achieve this goal? How much will I need to save? Armed with a clear picture of your goals, you can work toward establishing a budget that can help you reach them.

Identify your current monthly income and expensesTo develop a budget that is appropriate for your lifestyle, you’ll need to identify your current monthly income and expenses. You can jot the infor-mation down with a pen and paper, or you can use one of the many soft-ware programs available that are designed specifically for this purpose.

Start by adding up all of your income. In addition to your regular salary and wages, be sure to include other types of income, such as dividends, interest, and child support. Next, add up all of your expenses. To see where you have a choice in your spending, it helps to divide them into two cat-egories: fixed expenses (e.g., housing, food, clothing, transportation) and discretionary expenses (e.g., entertainment, vacations, hobbies). You’ll also want to make sure that you have identified any out-of-pattern ex-penses, such as holiday gifts, car maintenance, home repair, and so on. To make sure that you’re not forgetting anything, it may help to look through canceled checks, credit card bills, and other receipts from the past year. Finally, as you list your expenses, it is important to remember your financial

*Pearl Hawaii Wealth Advisors are registered representatives of CUNA Brokerage Services, Inc. Repre-sentatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guar-antee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.

Reservations will be accepted as they are received. Tickets are $25.00 per person. Each credit union member is allowed to bring one paying guest (each table of 10 must have a minimum of five members). If we are unable to fulfill your purchase due to a sell-out, your payment will be credited to your PHFCU Savings Account. The deadline to purchase tickets is March 10, 2020. Seats are limited so please make your reservation early. Photocopies of this form are acceptable. All attendees must have a ticket. Please no outside alcohol. In the event that a member brings outside alcohol to the event, there will be a $20 corkage fee per bottle.

STEP 1 Please write each member’s name and account number

NAME PHFCU Account Number

1 _______________________________________ ________________________________

2 _______________________________________ ________________________________

3 _______________________________________ ________________________________

4 _______________________________________ ________________________________

5 _______________________________________ ________________________________

STEP 2 Please indicate 5 table choices: A, B, C, D, E, F, G, or H 1._____ 2._____ 3._____ 4._____ 5._____

STEP 3 Please send us a check Total Attendees ________ x $25 = Total $___________________________________

STEP 4 Please include your contact information. We will mail the tickets to the address specified (please print).

Name _______________________________________________Home Phone _________________Work Phone __________________

Address _________________________________________________City _________________________Zip code__________________

If a high chair is required, please advise us so advance arrangements may be made.

If you have a physical condition requiring special attention, please advise us so proper arrangements may be made.

FOR CREDIT UNION USE ONLY

Date and Time Received ________________________________________________________

Table No._______________ No. of Tickets__________ Amount Paid $_______________

MAIL/DROP-OFF INFORMATIONDrop off your order at any one of our six convenient

locations or mail your completed order form along with payment to:

Pearl Hawaii FCUATTN: Annual Banquet Committee

94-449 Ukee StreetWaipahu, Hawaii 96797

Your completed reservation form must be received by March 10, 2020.

Please call 808.737.4328 for more information.

STAGE

Please... No outside food or alcohol. Also, coolers willnot be permitted.

B CAE F

DG H

(Check payable to Pearl Hawaii FCU)

# of Members ______________# of Guests ________________# of Children ______________Total Attendees ____________

goals. Whenever possible, treat your goals as expenses and contribute to-ward them regularly.

Evaluate your budgetOnce you’ve added up all of your income and expenses, compare the two totals. To get ahead, you should be spending less than you earn. If this is the case, you’re on the right track, and you need to look at how well you use your extra income. If you find yourself spending more than you earn, you’ll need to make some adjustments. Look at your expenses closely and cut down on your discretionary spending. And remember, if you do find yourself coming up short, don’t worry! All it will take is some determination and a little self-discipline, and you’ll eventually get it right.

Monitor your budgetYou’ll need to monitor your budget periodically and make changes when necessary. But keep in mind that you don’t have to keep track of every pen-ny that you spend. In fact, the less record keeping you have to do, the easier it will be to stick to your budget. Above all, be flexible. Any budget that is too rigid is likely to fail. So be prepared for the unexpected (e.g., leaky roof, failed car transmission).

Tips to help you stay on track• Involve the entire family: Agree on a budget up front and meet regularly

to check your progress

• Stay disciplined: Try to make budgeting a part of your daily routine

• Start your new budget at a time when it will be easy to follow and stick

with the plan (e.g., the beginning of the year, as opposed to right before

the holidays)

• Find a budgeting system that fits your needs (e.g., budgeting software)

• Distinguish between expenses that are “wants” (e.g., designer shoes) and

expenses that are “needs” (e.g., groceries)

• Build rewards into your budget (e.g., eat out every other week)

• Avoid using credit cards to pay for everyday expenses: It may seem like

you’re spending less, but your credit card debt will continue to increase



kee Street • aipahu, I

PRESORTEDSTANDARD

U.S. POSTAGEPAID

, IPERMIT NO. 985


CA

LEN

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rd Annual Ban uet ar Dole omokai Ballroom

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ith your help, we were about to assist nearly local families (nearly , individuals) this holiday season. Thank you for bringing in a gift and sharing your aloha.

asasa hecking Accounts

REWARDSasasa ash . A up to a balance cap of

, A ange . .

asasa ash Back . cash back on uali ed debit card purchases up to .

asasa Tunes p to . monthly reward


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WAIPIO 94-449 Ukee StreetWaipahu, HI 96797MON - FRI | 10 am to 6 pmSAT | 8 am to 3 pm

AIRPORT TRADE CENTER550 Paiea Street, Suite #128Honolulu, HI 96819MON - FRI | 8:00 am - 4:00 pmSAT | 8:00 am - 3:00 pm

WAIANAE85-866 Farrington HwyWaianae, HI 96792MON - FRI | 9 am - 5 pmSAT | 8 am - 3 pm

pearlhawaii.comEMAIL | [email protected] | 73.PHFCU (808.737.4328)TOLL FREE | 1.800.987.5583

The information is as current as possible. Pearl Hawaii Federal Credit Union reserves the right to add, change or delete services. All rates and terms are subject to change without notice. Questions or comments should be directed to: Wendy Bond, Marketing Director: [email protected]. ©2018 Pearl Hawaii Federal Credit Union.

BOARD OF DIRECTORSChairman: Gordon SamVice-Chairman: Gary MockTreasurer: Clifford ChangSecretary: Glenn DangDirectors: Ryan Tsuji, Jonathan Lee, Kristen WooEXECUTIVE STAFFDaniel Terada, President/CEOJohn Furtado, Senior Vice PresidentLicie Uchino, Vice President of Branch OperationsTony Mau, Vice President of LoansBrandon Oshiro, IT DirectorJennifer Mukai, Human Resourse DirectorMichele Villegas, Risk & Compliance DirectorWendy Bond, Marketing Director

LOAN RATES APR*As Low As

TERM PAYMENT ESTIMATES (monthly)For other terms and rates, visit pearlhawaii.com

New + Used Auto** 2.19% 3 Year $1000- 35 payments of $28.73 + 1 of $28.53

Older Model Auto** 2.69% 3 Year $1000- 35 payments of 28.95 + 1 of $28.77

Personal Loans*** 2.99%SPECIAL

1 Year $1000-12 monthly payment of $84.91

3.99%SPECIAL

2 Year $1000- 23 payments of $43.42 + 1 of $43.34






Motorcycle-New**** 4.25% 2 Year $1000- 23 payments of $43.54, 1 of $43.37

Motorcycle-Used**** 4.75% 2 Year $1000- 23 payments of $43.76, 1 of $43.67

Mortgages: Conven-tional, Investment, First Time Home-buyer (Fixed rates and 0 to up to 3 points avail-able)*****

Please call








HELOC Fixed Advance ***** Owner Occupied

Please call


Closed End Fixed*****Owner Occupied & Investment


Closed End Fixed*****Investment


Closed End Fixed Rate *****Owner Occupied

Please call


Visa Classic 13.90% Fixed See Visa Credit Card Disclosure at pearlhawaii.com

Platnium Rewards 5.00% + Prime See Visa Credit Card Disclosure at pearlhawaii.com

CHRIS KAMINAKA

PHONE (808) 218.6268 EMAIL [email protected]

WEB phfcu.com/youradvisor

ESTABLISHING A BUDGET

PEARL HARBOR NAVAL SHIPYARD585 Port Royal StreetHonolulu, HI 96818MON - FRI | 8:00 am to 4:15 pm

KAPIOLANI BUSINESS PLAZA1580 Makaloa StreetHonolulu, HI 96814MON - FRI | 8:00 am - 4:00 pmSAT | 8:00 am - 3:00 pm

EWA TOWN CENTER91-1401 Fort Weaver Road #A102Ewa Beach, Hawaii 96706MON - FRI: 10 a.m. to 6 p.m.SAT: 8 am to 3 pm

SAVINGS RATES

Jumbo Savings 0.20% APY*

Savings(Traditional, Children’s, and Christmas)

0.10% APY*

Cash Checking** 2.25% APY up to a balance cap of $10,000 APY Range 2.25%-0.43%

Cash Back Checking** 2.50% cash back on qualified debit card purchases up to $400.00

Rewards Checking** Up to $10.00 monthly reward

SAVINGS CERTIFICATES (Minimum deposit of $1000)

3 year 1.80% APY*

2 year 1.60% APY*

1 year 1.00% APY*

6 months 0.75% APY*

30 to 179 days 0.30% APY*

INDIVIDUAL RETIREMENT ACCOUNTS- IRA (Minimum deposit of $1000)


1.80% APY*


1.60% APY*

1 Year-IRA Savings Certifi-cate** (Traditional, Roth, Coverdell)

1.00% APY*

IRA Savings Account (Traditional, Roth, Coverdell)

0.20% APY*

*APY- Annual Percentage Yield. Rates effective 1/1/19. Rates, terms, and offer are subject to change without prior notice. Penalties may apply for early withdrawal. Speak to any staff member for details. **Kasasa Product. Visit pearlhawaii.com/kasasa for account details and requirements, disclaimer, terms, and conditions.

SAV

ING

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ATE

S

*Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. **Financed amounts up to 120% of MSRP (new) or Kelley Blue Book Karpower Retail Value +/- value of mileage (used). Auto loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. For used vehicles: Oahu registered vehicles only. Vehicles may not be older than 7 model years old. *** Other terms and rates available. Up to 7 year terms are available. Maxi-mum amount borrowed: $30,000. **** Up to 100% financing available for up to five (5) years, not to exceed $25,000.00 of most recent Kelley Bluebook Retail Value (used) and MSRP (new). Motorcycle loans require a full coverage insurance policy, listing Pearl Hawaii FCU as the loss payee, with a maximum deductible of $500 for both comprehensive and collision. The primary borrower must be licensed with a valid class 2 opera-tor’s license. Unacceptable security: Mopeds, nopeds, and motor scooters, as well as all off-road vehicles, including but not limited to all-terrain vehicles and dirt bikes. Motorcycles must be registered and licensed in the state of Hawai’i.***** NMLS# 472169. The Annual Adjustable Rate will adjust in accordance with the terms of your Credit Agreement and in no event shall the APR be less than 4.00% or greater than 18.00%. The initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancella-tion without prior notice. Only improved owner-occupant properties on Oahu accepted as collateral. You must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property which secures your Home Equity loan. PHFCU must be listed as a loss payee on the Home Insurance policies. There are no pre-payment penalties or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on amount borrowed and will vary based on member’s situation. Total HELOC loan amount received, rate, and terms are subject to credit approval. For HELOC Fixed Rate Advances: Initial advance must be at least $1000.00, subsequent advances must be at least $250.00. Up to 4 separate loans (1 adjustable rate line-of-credit and up to 3 fully amortized fixed rate advances) can be active at a time for up to a 15-year term. Rate includes United States Treasury Security (USTS) plus a margin. USTS changes daily and is disclosed on USTS’ website. Rates may change at any time. Contact us for more information. Total outstanding balance cannot exceed total approved available credit amount. Maximum loan amount for 7 year, 12 year investment, and 15 year owner occupied aggregate loan amount is up to $625,500.

Do you ever wonder where your money goes each month? Does it seem like you’re never able to get ahead? If so, you may want to establish a budget to help you keep track of how you spend your money and help you reach your financial goals.

Examine your financial goals Before you establish a budget, you should examine your financial goals. Start by making a list of your short-term goals (e.g., new car, vacation) and your long-term goals (e.g., your child’s college education, retirement). Next, ask yourself: How important is it for me to achieve this goal? How much will I need to save? Armed with a clear picture of your goals, you can work toward establishing a budget that can help you reach them.

Identify your current monthly income and expenses To develop a budget that is appropriate for your lifestyle, you’ll need to identify your current monthly income and expenses. You can jot the infor-mation down with a pen and paper, or you can use one of the many soft-ware programs available that are designed specifically for this purpose.

Start by adding up all of your income. In addition to your regular salary and wages, be sure to include other types of income, such as dividends, interest, and child support. Next, add up all of your expenses. To see where you have a choice in your spending, it helps to divide them into two cat-egories: fixed expenses (e.g., housing, food, clothing, transportation) and discretionary expenses (e.g., entertainment, vacations, hobbies). You’ll also want to make sure that you have identified any out-of-pattern ex-penses, such as holiday gifts, car maintenance, home repair, and so on. To make sure that you’re not forgetting anything, it may help to look through canceled checks, credit card bills, and other receipts from the past year. Finally, as you list your expenses, it is important to remember your financial

*Pearl Hawaii Wealth Advisors are registered representatives of CUNA Brokerage Services, Inc. Repre-sentatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guar-antee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.

Reservations will be accepted as they are received. Tickets are $25.00 per person. Each credit union member is allowed to bring one paying guest (each table of 10 must have a minimum of five members). If we are unable to fulfill your purchase due to a sell-out, your payment will be credited to your PHFCU Savings Account. The deadline to purchase tickets is March 10, 2020. Seats are limited so please make your reservation early. Photocopies of this form are acceptable. All attendees must have a ticket. Please no outside alcohol. In the event that a member brings outside alcohol to the event, there will be a $20 corkage fee per bottle.

STEP 1 Please write each member’s name and account number NAME PHFCU Account Number

1 _______________________________________ ________________________________

2 _______________________________________ ________________________________

3 _______________________________________ ________________________________

4 _______________________________________ ________________________________

5 _______________________________________ ________________________________

STEP 2 Please indicate 5 table choices: A, B, C, D, E, F, G, or H 1._____ 2._____ 3._____ 4._____ 5._____

STEP 3 Please send us a check Total Attendees ________ x $25 = Total $___________________________________

STEP 4 Please include your contact information. We will mail the tickets to the address specified (please print).

Name _______________________________________________Home Phone _________________Work Phone __________________

Address _________________________________________________City _________________________Zip code__________________

If a high chair is required, please advise us so advance arrangements may be made.

If you have a physical condition requiring special attention, please advise us so proper arrangements may be made.

FOR CREDIT UNION USE ONLY

Date and Time Received ________________________________________________________

Table No._______________ No. of Tickets__________ Amount Paid $_______________

MAIL/DROP-OFF INFORMATIONDrop off your order at any one of our six convenient

locations or mail your completed order form along with payment to:

Pearl Hawaii FCUATTN: Annual Banquet Committee

94-449 Ukee StreetWaipahu, Hawaii 96797

Your completed reservation form must be received by March 10, 2020.

Please call 808.737.4328 for more information.

STAGE

Please... No outside food or alcohol. Also, coolers willnot be permitted.

B CAE F

DG H

(Check payable to Pearl Hawaii FCU)

# of Members ______________# of Guests ________________# of Children ______________Total Attendees ____________

goals. Whenever possible, treat your goals as expenses and contribute to-ward them regularly.

Evaluate your budgetOnce you’ve added up all of your income and expenses, compare the two totals. To get ahead, you should be spending less than you earn. If this is the case, you’re on the right track, and you need to look at how well you use your extra income. If you find yourself spending more than you earn, you’ll need to make some adjustments. Look at your expenses closely and cut down on your discretionary spending. And remember, if you do find yourself coming up short, don’t worry! All it will take is some determination and a little self-discipline, and you’ll eventually get it right.

Monitor your budgetYou’ll need to monitor your budget periodically and make changes when necessary. But keep in mind that you don’t have to keep track of every pen-ny that you spend. In fact, the less record keeping you have to do, the easier it will be to stick to your budget. Above all, be flexible. Any budget that is too rigid is likely to fail. So be prepared for the unexpected (e.g., leaky roof, failed car transmission).

Tips to help you stay on track• Involve the entire family: Agree on a budget up front and meet regularly

to check your progress

• Stay disciplined: Try to make budgeting a part of your daily routine

• Start your new budget at a time when it will be easy to follow and stick

with the plan (e.g., the beginning of the year, as opposed to right before

the holidays)

• Find a budgeting system that fits your needs (e.g., budgeting software)

• Distinguish between expenses that are “wants” (e.g., designer shoes) and

expenses that are “needs” (e.g., groceries)

• Build rewards into your budget (e.g., eat out every other week)

• Avoid using credit cards to pay for everyday expenses: It may seem like

you’re spending less, but your credit card debt will continue to increase



94-449 Ukee Street • Waipahu, HI 96797

PRESORTEDSTANDARD

U.S. POSTAGEPAID

HONOLULU, HIPERMIT NO. 985


CA

LEN

DA

R Hawaii Foodbank Drive Nov 12 - Jan 17 All Locations

Martin Luther King Jr. Day

Jan 20 All Locations Closed

President’s Day Feb 17 All Locations Closed

83rd Annual Banquet Mar 21 Dole Pomokai Ballroom

Kuhio Day Mar 26 Closed at Noon

Memorial Day May 25 All Locations Closed

Going Green June 20 Waipio

THANK YOU!

With your help, we were about to assist nearly 412 local families (nearly 1,600 indi-viduals) this holiday season. Thank you for bringing in a gift and sharing your aloha.

Kasasa Checking Accounts

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$10,000 APY Range 2.25%-0.43%

Kasasa Cash Back®* 2.50% cash back on qualified debit card purchases up to $400.00

Kasasa Tunes®* Up to $10.00 monthly reward


a publication by pearl hawaii federal …...cash checking** 2.25% apy up to a balance cap of $10,000...

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