LEAP Financial Tip of the Month

It's always a smart choice to get the most information before making financial decisions. We're happy to provide some guidance and hope you'll contact us if you have any questions or need assistance. 

Drive Away Happy When You Buy Your Next Vehicle

Try to narrow your list down to a few options. Consider:

  1. Your needs: Think about your transportation requirements. Does your vehicle need to be large enough for a family of five or small enough to fit in tight city parking spaces? Tough enough to haul a stand-up paddle board or chic enough to drive clients around?
  2. Your wants: Most of us want at least a few extras that we don’t really need. You don’t have to buy the cheapest, most basic car, but just remember that you may not be able to afford everything you want.
  3. The safety and reliability of the car: Research what cars rank high in safety and reliability. (Consumer Reports and car-oriented magazines regularly report on this topic. You can also check cars’ safety ratings at www.safercar.gov, which is produced by the National Highway Traffic Safety Administration.)
  4. Your budget: The price is one of the car’s most important features. It is easy to get carried away and end up with a car that is out of your price range, but ultimately, you won’t be happy if you cannot make your loan or lease payments.

Content provided by our trusted partner   Balance Pro

  1. The best way to avoid getting a car loan you can’t afford to pay is to examine your budget and see how much money you have available for car expenses.
  2. Remember, car expenses include not just the loan payments but also insurance, gas, maintenance, registration, and perhaps parking and tolls.
  3. If you are purchasing a brand new car, your insurance and registration will likely increase. However, your maintenance will probably decrease.
  4. Whether your gas costs will change is dependent on the fuel efficiency of both cars.
  5. Once you’ve established your budget (you may have to estimate), if you find there is little money available for auto expenses, try to rework your budget by reducing or eliminating other expenses.

Content provided by our trusted partner   Balance Pro

  1. Your budget alone cannot tell you how much you can afford to borrow – you also need to know the financing terms of the loan.
  2. It is a good idea to look for a loan before you visit the car dealership.
  3. Keep in mind that the lender may not approve you for as much as what your budget shows you can afford.
  4. The lender could approve you for a higher amount, but it is not a good idea to spend more than what you feel you can comfortably afford.

Content provided by our trusted partner   Balance Pro

  1. While it is possible to buy a car with no money down, most lenders prefer that you make a down payment. It benefits you as well. The more you save, the less you have to borrow and the lower your monthly payments.
  2. To make saving easier, have some of your paycheck directly deposited into your savings account, or arrange with your financial institution to have a set sum automatically deducted from your checking account each month and deposited into your savings account.

Content provided by our trusted partner   Balance Pro

 

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Sea Life Park HawaiiUSA Member Special Rates

HawaiiUSA FCU members receive discounted ticket rates at Sea Life Park, Hawaii’s best wild life and wild animal park, offering fun, educational experiences for the entire family. With a focus on education and conservation, their shows, hands-on exhibits and interactive programs offer thrilling, once-in-a-lifetime up-close encounters, like swimming with dolphins, petting sharks, and more! Use your special HawaiiUSA FCU membership rate, and Sea Life Park will show you where the heart meets the sea.


Present a valid (not expired) HawaiiUSA FCU debit card, ATM card, or credit card to receive your member rate. Your HawaiiUSA member discount is valid year-round, except during blackout dates: June 16 to August 31.

 

General Admission

Adults: $15.70

Juniors: $10.46

Dolphin Royal Swim: $149.21

Dolphin Swim Adventure: $115.18

Dolphin Encounter: $83.77

Dolphin Aloha: $52.36

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