the edge : financial services for young adults

Welcome from Bay Cities Credit Union!

You’re on the edge. The edge of adulthood. The edge of life. That means you’re managing your finances on your own. Now you have expenses, like food, clothes, a car, or maybe school. Managing all your expenses isn’t easy. Especially since after expenses, you want a little money left over for fun. Here you'll get the tools you need to manage your money anytime, anywhere. The edge website is a great place to learn sound spending, saving, and borrowing habits. You'll find financial advice just for you and some cool downloads too!

Welcome
We would like to welcome you to the edge. Here you will find information on managing your finances.

	Free Checking FREE Checking - no monthly service fees or minimum balance to keep, your first box of checks, Home Banking, Bill Pay and Visa Check Card all FREE. Don't settle for less! Learn More: http://www.baycities.org/pages/checkplans.html

	1% Discount with Enterprise 1st time auto loan? Save big with a previously owned vehicle. Enterprise has current year and older - all with warrantees, AAA Roadside Service, and a 1% rate discount which can be really important for someone starting out with little or no credit history. Learn More: http://www.baycities.org/pages/1percent.html

	Auto Loans Helpful hints before you purchase a new car, truck, SUV or cross-over. Learn More: http://www.baycities.org/pages/consumerauto.html

	College Help College info that may be useful when getting ready to apply or transfer to another university. Learn More: http://www.baycities.org/pages/highschoolstudents0706.html

	VISA Getting your first Visa is a milestone! Make the right choice by getting a low fixed rate card, without the usual penalties and rate changes should you go over your limit, or a miss a scheduled payment date. Learn More: http://www.baycities.org/pages/visa.html

	Parent Assisted Loans Parent Assisted Loans (PAL) may be the way to go when you're starting out. Learn More: http://www.baycities.org/pages/pal.html

	ScoreBuilder Want to know more about getting a good credit history, how to get maintain or increase it? We can help. You can even make an appointment with a personal Member Service Specialist who will help you make a plan, so that when you're ready for a really big purchase, like your first home, you will have the credit score you need to secure a great loan rate! Learn More: http://www.baycities.org/pages/scorebuilder.html

	Home Banking Whether you're away at school, or a young professional, do your banking 24/7 when it's convenient for you, not the bank. Learn More: http://www.baycities.org/pages/homebanking.html

	Bill Pay Pay your bills online with FREE online Bill Pay. Bill Pay keeps you in control - you'll know exactly when your payments are going out and being received. Learn More: http://www.baycities.org/pages/billpay.html

	Shared Branching We've got a location near you, where ever you go with Shared Branching. Tellers at over 2200 locations nationwide can access your Bay Cities account for just about any transaction you might need to do. Learn More: http://www.cuswirl.com/locations/index.htm

	Co-Op ATM Network Why pay for ATM transactions when you can quickly find a Co-Op ATM near you. Make deposits, withdrawals, check your balances, make loan payments and more. Learn More: http://www.co-opnetwork.org/public/index.cfm

Featured Articles

Tips For Maintaining Your Money Tree

Buying A New Computer

Avoid Losses: Back Up Your Files

Safe Wireless Surfing On & Off Campus

The Best Car For Your Buck

When Your Cell Phone Bill Takes Over Your Life

Say goodbye to cell phone bill shock with these helpful tips!

Your First Apartment

It's time to leave your parents' nest!

It's Not Just Grades Anymore

Learn how to prove yourself in the workforce by taking on an internship.

Article Categories

Gettin' Wheels
You need to get around. Here's some tips

Budgeting
It's a pain, but it's worth it.

Getting A Job
Preparing for the inevitable.

Getting A House
Why pay rent when you can own?

Credit And You
Managing your credit properly.

Paying For College
How to deal with the costs of higher education.

The College Experience
Everything you need to know to be successful in college.

Lifestyles
From love to travel and computers to tattoos: your interests all rolled into one!

Investing
It's not as hard as it seems! Watch your money grow with these tried-and-true strategies.

Technology
We all want the latest and greatest in technological gadgets!

Recent Links

Consumer Privacy Guide Top Steps
This list offers practical advice about steps you can take—right now—to protect your privacy.
http://www.consumerprivacyguide.org/topthings/

Protect Yourself: Top Ten Privacy Tips
FIND IT FAST Learn the Net The Web HOW TO Use the Site Master the Basics Surf the Web Harness E-Mail Find Information Download Files Join Newsgroups Conference Music, Video & Photos Web Publishing Do E-Business Find the Right Job Protect Yourself ONLINE SHOPPING How It Works Top Ten Tips Discount Coupons RESOURCES Animated Internet Glossary Free Weekly Newsletter COMPANY INFO About Us Partner Programs Write Us Privacy Policy Almost everything you do online, whether it's visiting a website or sending e-mail, leaves a trail of personal data.
http://www.learnthenet.com/english/html/63privtips.htm

Privacy: Tips for Protecting Your Personal Information
Every day you share personal information about yourself with others. It's so routine that you may not even realize you're doing it.
http://www.ftc.gov/bcp/conline/pubs/alerts/privtipsalrt.htm

Job Interviews: You Can Ace Them With These Strategies!
The best job interview strategies are powerful yet simple techniques that you can use to get the job you want.
http://www.best-interview-strategies.com/

Questions to Ask Potential Employers in Job Interviews
Gathered from various sources.
http://www.circleofexperts.net/interviewees-questions.html

How to Answer Any Interview Question
Don't be rattled by your next job interview. It's possible to answer any question that comes your way.
http://www.careerjournal.com/jobhunting/interviewing/20060530-capell.html

Nelnet
Student loan products and services
http://www.nelnet.net

Rental Decorating Digest
Online digest for organizing and decorating apartment - home - studio - dorm! Find style, budget decor and interior design ideas from college dorms to ...
http://www.rentaldecorating.com/organizing.htm

Africaguide.com
Hundreds of safaris, tours and holidays to choose from plus a comprehensive travel guide to every country in Africa with detailed travel information.
http://www.africaguide.com/

United States Tennis Association
Official site with tournaments, rankings, news, Davis Cup, Federation Cup, circuits, membership, and a library of resources.
http://www.usta.com/home/default.sps

More Links