Let's talk money
Talking about money can be pretty awkward, especially if you're not familiar with all the lingo we use in banking. But the reality is that talking about money shouldn't be that awkward, nor should understanding money management require an accounting degree. That's why we're committed to sharing with you everything we've learned from serving Long Island for over 80 years.
Whether you're just getting to know us, and trying to understand the differences between a credit union or bank, or moving onto big investments, like buying your first home, we have some tips to help you on your way.
Credit Unions vs. Banks
What is the difference between a credit union and a bank? Jo from Jovia covers the similarities – and differences – between the two types of financial institutions. (Oh, if you live on Long Island, within our field of membership, you’ve already met one requirement to join Jovia!)
Don’t skip this video! Jo from Jovia explains budgeting. Like it or not, budgeting is necessary to keeping a well-ordered financial life. And, its not as difficult as you might think, thanks to Jo’s explanation of the “50-30-20 rule!” Remember this. You’ll be glad you did.
Cars... Buy 'em or Lease 'em
Ah, the always hard-to-answer question: Buy a car, or lease a car? While relaxing in her own (or leased?) car, Jo from Jovia presents a question-and-answer session about which option is best based on your needs when it comes to cars. Vroom vroom.
Confused about applying for your very first mortgage? Don’t be. Jo from Jovia has the tips you should know. Learn about rates, costs, fees, types of mortgages, and…well, we don’t want to scare you, so check out the video.
Have you wondered what some of those financial acronyms actually mean, but were afraid to ask? Jo from Jovia explains a number of them in this video (along with an entertaining tongue-twisting listing of them that’s worth the watch).
What can I use a personal loan for?
Thinking about applying for a personal loan, but you’re unsure what you can use it for? You’re not alone. Personal loans are flexible and can be used for just about anything. Learn the common situations a personal loan can be used for and how it can help you financially.
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How to budget for the holidays
‘Tis the season! The holidays are full of hope, joy, food, family, shopping, and, let’s not forget, stress! It’s a time known for giving and receiving, and if you’re thinking about planning for the holidays, especially in times of economic uncertainty, you’re not alone. We’ll explain how to budget for the holidays, so you can give without getting into debt.
Setting up savings accounts
The importance of saving money for your future and the basic knowledge of how savings accounts work may be well known, but a frequently asked question when starting to save, is how many savings accounts should I have? Learn why you may need more than one savings account, how much money you should have in each, and how to set them up in this article.
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How to prevent identity theft
Living in a digital world makes us more susceptible to having our personal information stolen without even realizing it. In the US, 33% of adults have experienced identity theft. Read this article to learn how to prevent identity theft, and what to do if it happens to you.
Personal cybersecurity tips
Did you know there is a new victim of identity theft every two seconds? While our digital world helps make our lives more convenient, it also forces us to proactively look for ways to keep our personal information safe and secure. Learn more about personal cybersecurity tips in this article.
How does a home equity line of credit work
If you have recently asked yourself, what is a home equity line of credit and how does it work, you’re not alone. It’s a frequently asked question when homeowners need cash. A home equity line of credit can get you the money you need when you need it. We’ll explain the process of how it works and what it can be used for so you can determine if a HELOC is the right choice for you.
Money management for college students
The college experience is about learning, growth, and, of course, fun! What can be a very exciting time can also be overwhelming, especially if you’re on your own and managing your finances for the first time. Check out these tips on how to save money in college while having the time of your life.
Jovia Participates in Virtual Tech Talk
IT specialists from Jovia Financial Credit Union, Webair Cloud and Cipher discuss the importance keeping your business secure when leveraging the cloud.
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How to budget on a lower income
Being part of the workforce means you’ve probably seen your fair share of ups and downs. It’s not uncommon to be affected by a furlough or layoff at some point in your career. We’re here to help guide you through this challenging time so you can come out stronger. We’ll explain how to budget on a lower income and stretch your dollars further until you’re back on top again.
Forbes Rates Jovia Among Best in State for the Second Year in a Row
For the second year in a row, Jovia Financial Credit Union was named by Forbes Magazine as one of the top credit unions in the state based on member satisfaction and recommendation scores.
How to build an emergency fund
Being prepared for an emergency situation can make all the difference. Learn how to build an emergency fund and be prepared for whatever life throws your way.
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What to do with your stimulus check
Congress approved a $2 trillion stimulus package in response to the coronavirus relief fund and checks are already being received by taxpayers. Learn your options for what you can do with your stimulus check here.
Jovia Has No Reservations About Supporting Local Eateries and Feeding Members
Jovia Financial Credit Union buys thousands of dollars’ worth of food delivery gift cards to support local businesses.
Jovia Provides Funds for Masks, Gloves and Other Supplies to the Cerebral Palsy Association of Nassau
Jovia Financial Credit Union has donated funds to bring supplies of PPE Gear to CP Nassau needed for work with adults with disabilities.
Jovia Partners with Island Harvest to Fill Need for School Lunches
To help address a growing need during the Pandemic, Jovia Financial Credit Union has partnered with Island Harvest to deliver hundreds of meal kits to students and their families in 30 school districts.
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Jovia Sponsors Hofstra University's Money and Me Program
To help put more young Long Islanders on a path toward financial security and success, Jovia is partnering with Hofstra University's Frank G. Zarb School of Business and School of Education to expand their Money and Me financial literacy program.
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Jovia Participates in NCMTA "How to Make Math Count" Conference
On January 9, 2020, Jovia attended the Nassau County Mathematics Teachers Association (NCMTA) "How to Make Math Count" Conference held at Molloy College with 350 Long Island teachers in attendance.
Jovia's Financial Literacy Program Visits Uniondale High School
Jovia's Financial Literacy Program at Adelphi University provides on-campus financial literacy education. Adelphi students who receive financial literacy training are sharing their skills educating high school students across Long Island. Adelphi business students and staff conducted their first successful financial literacy presentation to students at Uniondale High School on December 16th.
Jovia Awards $44,000 In Grants To Teachers On Long Island
A number of Long Island schools will soon see new items like ukuleles in music class, sensory diet items in special education lunchrooms or new math labs with the help of Jovia Financial Credit Union's Funding Your Ideas (FYI) Teacher Grants Program.
Jovia Installs Free Charging Stations at Westbury Branch
Jovia Financial Credit Union is getting members and non-members "all charged up" with new electric vehicle charging stations, available free to the public, located just outside the newly redesigned Westbury branch.
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Rock on! Jovia is now the title sponsor of Long Island's Music Hall of Fame
Who knew Long Island had such a rich an impressive and rockin’ music history?
Discover the definition of financial words and phrases in this comprehensive financial dictionary.