The Summit Federal Credit Union’s Post

Don't "stop, drop, and roll" just yet, here are three easy tips to navigate a financial emergency: 1. Leverage Community Assistance Programs Many local community programs provide emergency financial assistance for necessities like rent, utilities, and food. Research local non-profits, religious organizations, and government programs that offer emergency assistance. 2. Utilize Health Savings Accounts (HSA) for Qualified Expenses An HSA can cover a wide range of medical expenses, reducing out-of-pocket costs during emergencies. If you have an HSA, funds can be used anytime for qualified expenses. Review eligible expenses and keep receipts for any medical-related emergency costs. 3. Sell Unused Gift Cards You may be hoarding unused gift cards that can be sold for cash online. Sell them on reputable websites like Card Cash or Raise for quick cash. For support, education, and more, follow us for expert tips. #financialtips #Claritydebtresolution #Debtrelief

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I always wondered: what happens to unused gift cards? It should be a bonanza to companies that, for example, have 20% or more of gift cards unused (free money!) Then is article came out. Maybe nonprofits should ask donors to send in their unwanted/unused/partially-unused cards to our ministries... but how do we value them: gift-in-kind or the cash value of the balance?

This article goes into detail on some different and obscure gifts to give at a baby shower!

Every special moment becomes unforgettable with the enchantment of gift-giving. While many individuals eagerly anticipate presenting gifts to their loved ones, others find themselves at a loss when selecting the perfect gift. Online gift cards have emerged as a solution to address people’s gift-giving dilemmas during various celebrations. https://lnkd.in/gJqcAm7Z #wordpresswebsite #wordpressdeveloper #wordpressplugin #webdesign

Friday Gift From Me to You! How I Earn Up to $600/hr from This Side Hustle 👇🏿 Wynter offers a simple way to get paid for your feedback. By participating in short surveys (2-7 mins) or 1-1 meetings, I earn up to $600/hr. Here’s why I love it: 🏎️ Quick: Surveys are 2-7 minutes. 🏎️ Flexible: Do it on your own schedule. 🏎️ Easy Payments: Get paid via gift cards, VISA, or PayPal. How to start: 1. Sign up here and fill out your details. 2. Verify your work email. 3. Wait for invites, participate, and get paid! Wynter is looking for marketing, sales, and tech professionals. Pretty straightforward side hustle I’ve seen—minimal time, great pay. 📌 Want extra income? Apply here -

Tonight, as I was thinking about holiday gifts and the convenience of giving gift cards, I started wondering—what happens to the money left on those unused cards? You know, the ones that end up forgotten in a drawer or the small balances we never quite spend. I did some digging and found out that companies in the U.S. recoup around $3 billion every year from these forgotten or partially spent gift cards. That’s a staggering amount of money just sitting there. Some of it, yes, goes to states through escheatment laws (where unclaimed property like gift card balances reverts to the state), but a significant chunk still goes back to the companies themselves. Then, a thought hit me—what if, instead of going back to companies, those billions went toward something bigger? Imagine the impact of directing that money to government programs and public services: Education: That $3 billion could provide scholarships, improve school facilities, and give kids the resources they need to thrive. Healthcare: Those unused dollars could go to public health initiatives, making mental health services more accessible or helping reduce the cost of critical medications. Infrastructure: Picture safer roads, repaired bridges, or expanded public transportation systems, funded by something as simple as unspent gift cards. Social Services: The funds could bolster support for low-income families, veterans, and the elderly—lifting people up in ways that matter. It’s amazing to think that the dollars left on a forgotten gift card could add up to something so powerful. If those unused balances were consistently funneled into government programs, they could create real, lasting benefits in our communities.

Paul Collins of The Hussey Team is here to talk all about gift funds. • When you're purchasing a home, you need money upfront. There are minimum down payments required, depending on the loan type. You will also typically need to pay some taxes, insurance, title fees, etc. • If you receive a gift for these funds, you can use this gift for down payment and/or closing costs. • We always suggest that the gift giver (donor) should give the gift funds directly to the title company. This reduces paperwork by eliminating the need to source the gift funds through both the donor's and recipient's bank statements. • Another type of gift is a gift of equity. If you are purchasing a home from a family member, they can gift you equity they have in the house. For example, if the sale price is $300,000, and the seller has a loan payoff of $100,000, that means they have $200,000 in equity. They can gift down payment and closing costs from that equity. • Closing costs can be a barrier to homeownership for many. If you have family willing to give a gift, this is a great way to help you get into homeownership. • It is important to note that gift funds must always be GIFTS and never LOANS. If you have questions for us, hit us up on the Hussey Hotline at (484) 353-6141! (CALL OR TEXT!) https://lnkd.in/eiipn7EJ

I Can for Kids recognizes that predictable access to nutritious food is fundamental to children's growth and success. Our grocery gift card program empowers food-insecure families with the dignity and confidence to plan, purchase, and provide the food that best meets their children's unique needs. The simple power to choose enables parents to exercise more control over their lives and improve the well-being, resilience, and self-esteem of their children. Learn more about the power of choice: https://lnkd.in/gNPX6D67

✨Giveaway time! 💝 Our first question of the week: What is the term for a word that has the same or similar meaning in multiple languages due to a common origin? (To celebrate MCIS’ 35th anniversary, we’ll be posting a series of trivia questions about the #languageservices industry in the coming weeks on all platforms, and winners will get a $15 #TimHortons / #Starbucks gift card. ☕️ Way to entre: 1. Follow us 2. Like and share our #35YearsOfMCIS trivia posts 3. DM us with your 3 answers for the entire week The first person who gets all the answers correct for the week will win the game! 😊) #giveaway #languageindustry #translation #interpretation #languageadvocacy #languagematters #languagelover #languagerights #languagelover #languageprofessional #linguistics #nonprofit #win #prize #contest #freegiveaway #giftcard #timhortonsgiftcard #starbucksgiftcard