A Real Winter

Wow, it looks like we're finally having a real winter this year. I've lived in Ruidoso for11 years and this is by far the coldest winter yet. As the old-timers are saying: "this is how it was every year", and according to weather patterns and history, I'm guessing they're correct.

It makes it real tough to work on your golf game in this weather. As difficult as it can be sometimes, it really is something we need, especially the moisture. It should make for a green spring and summer, and hopefully a little less wind as well. The wind issue is the one thing that really bothers me. I would take a cold winter every year if it meant less wind in the spring. I don't know that the two go hand in hand, but if they did, they've got my vote. Some say it's the El Nino effect, if that is true, then I'm all for it. Regardless, if you're into skiing, this will be a good year for you!

As a new decade gets under way, now is a good time to re-organize your finances and make sure you're getting the most out of your money. One easy way to save on your monthly budget is to lower your payments on any loans you have. OFCU has auto loans as low as 4.99% APR and personal loans as low as 9.99% APR. Throw in the OFCU Visa Platinum card with rates as low as 11.96% APR and no annual fee, and you can really save on your monthly expenses here at the credit union. Another way to save, is to make sure you have a free checking account that includes a free debit card as well as free online bill pay. OFCU is here to help you save money, that's what we do. Stop by today or call to see what we can do to help you!

OFCU, member NCUA, equal housing lender.

Greg