Photo: Sunset branch employees dressed in scrubs for Nurses Week.
From left to right: MaryAnn Valdez, Missy Daniels, Jon Krieg, Dina Hinton and Jennifer Foley.
Photo: Yvette Franco, RN and grand prize winner from CCCU's nurses week prize drawing, poses with her husband Damon and their son Zachary. 
National Nurses Week – CCCU honors local nurses
Nurses Week takes place at the same time each year: May 6 through 12. It’s a special time in which we get the opportunity to give thanks to our community’s nursing professionals. They deserve recognition because they care for people during some of the most difficult times in life, and their strength and compassion is a thing to be admired and celebrated. 
CCCU celebrated Nurses week this year by decorating our branches and giving away prizes such as gift cards and spa packages. Our Sunset branch employees even dressed in scrubs to pay homage to our nurses!
This year’s grand prize winner was Yvette Franco. Yvette works for St. Rose Dominican hospital, de Lima campus. She’s an RN in the critical care unit and her first response when we told she won a vacation package was, “You’re kidding me right?!” We were happy to tell her that no, we weren’t kidding her.
Yvette plans to use the money for a family trip to Huntington Beach. Congratulations Yvette!
Thanks again to all of our nurses! CCCU loves you!
Kim's Corolla 

New Las Vegas resident Kim Sakane shares her “fantastic experience” she had with Matt Haugh and Cory Burd:
“I recently moved from out-of-state and I needed a car. I was a little nervous about car buying, because I felt like I had no idea what I was doing. I have always heard that credit unions are the best places to get a loan because they typically have lower rates than banks. So I started by looking online for credit unions in the Las Vegas area.
After a little research, I tried one local credit union (not CCCU). The lady there didn’t seem to know much about financing and she certainly didn’t put my mind at ease. Then I found CCCU. I walked in and talked to Cory in the loan department. Cory definitely seemed like he understood the loan process and he told me about Members Auto. 
I told Matt in Members Auto that I wanted a used Corolla. Crazy enough, he said he just got one in a few hours earlier! It seemed like it was meant to be. 
Since I’m still pretty young and this was my first auto loan, I had lots of questions. Both Cory and Matt broke it down for me so I felt totally comfortable understanding the loan process.
I’m super happy with my car! I was surprised how easy the process was - I just came in, signed some papers, and I was on my way with my car! Getting the car situation settled really took a burden off my shoulders. Thank you Cory and Matt!”
It's time to move assets out of your company plan - what are your options?
For years, you’ve saved and invested in your company retirement plan (401k, 403b, 457) and planned for the day you could enjoy a long, stable, dream-filled retirement. But when you change jobs or you actually retire, you’ll be confronted with a basic but extremely important question: 
“What should I actually do with my retirement savings?”
The question may be basic, but the answer isn’t necessarily simple. The fact of the matter is that you have a lot of options and a lot of choices to make. If you want to make your savings last as long as you do, it’s critical that you choose the appropriate option.* What is right for one person, may not be right for someone else. Consider the options below:
Six Options Available for a Distribution from a Company Plan**
  1. Rollover to an IRA
  2. Convert to a Roth IRA
  3. Direct Transfer to an Inherited IRA or Inherited Roth IRA (Only for employer plan beneficiaries)
  4. Lump sum distribution
  5. Leave it in the current plan
  6. Convert from plan assets to a plan Roth account (in-plan Roth conversion)
Which option is appropriate for you will depend on a number of factors including your age, your need to start generating income from these assets, whether you inherited these retirement assets, the type of assets they are currently in, such as a 401k, 403b, or 457 deferred compensation accounts, etc. It can be a very confusing process and if it is not handled properly it can sometimes cause serious tax consequences.
It is important to remember that it is critical that you make an informed decision when it comes to your retirement funds. We encourage you to speak with our team at The Investment Center at Clark County Credit Union for more detailed information or to schedule a no obligation meeting to discuss your specific circumstances. They can be reached at (702) 982-8336. 
*Provided by Bill Good Marketing
**Information provided by Ed Slott and Company’s White Paper “6 Options for a Distribution From a Company Plan”
Isn’t it about time?
By Mark Tew
I recently started a new job. It is initially requiring more travel than my family and I are used to. Every time I come home from a trip, my kids seem to be taller, smarter, and more like tiny adults, not to mention all the new things our new little baby can do.
The more time that I’m away, the more I am convinced that time—and not money—is our most valuable asset. Our kids are still young, and if I had a quarter for every time someone told us “Enjoy it, it will go by so fast,” I’m pretty sure I’d be topping off their college funds about now. But I’m already starting to see it happen. They are getting older. I am getting older! The older we all continue to get, the faster time seems to pass.
Bigger & Better
We can always earn more money. We can always buy more stuff. Everything society tries to push on us today is about bigger, better, newer, and faster. The one thing we cannot get more of, regardless of how much we want it, is time. 
No matter what point you are at in your life, your time in that phase, period, or circumstance is limited. My wife and I have a young family. We are resolving to do whatever we can during this period to make the most of that time.
Time to make memories
What does that mean? Memories! We now see our job as making memories. In addition to providing food, shelter, discipline, teaching manners, kindness, etc. of course.
I am still looking forward to so much in life, but with each new day I have something new to look back on. Eventually the time may come when we have much more to reflect back on than we have to look forward to. Kids are very much forward looking. But the time will come that they will reflect back on their childhoods. And what will they think? How will they feel?
Last November, my wife and I were able to take a trip to South America without the kids. It was the first time we had done anything like it since kids came into the picture over 8 years ago. The trip is one of my favorite memories. I wonder what I would have to remember from that time had we not gone. Probably just unpleasant memories of an overstuffed Thanksgiving stomach.
Money vs. memories
Where does money fit in to all of this? Am I going to sit here and tell you how money doesn’t make you happy? No way! I believe that money can be a great facilitator of amazing memories. I also believe that using it the right way can significantly affect our happiness.That said, it is not a prerequisite. 
I am still very much motivated by money, but I am trying a lot harder now to weigh money related decisions against how it will affect the time I have with my family and my ability to create long lasting memories with them.
We all make trade offs and sacrifices in order to have a better future. Or maybe we are sacrificing our future to have a better now. Either way, whatever your circumstance, try to live in a way that will minimize your regrets and leave you with great memories. (And hopefully a lot of money if you can swing it.)
Mark Tew is a CPA, CCCU member, and Nevadan at heart. He enjoys writing about and helping others with personal finance. He is also a husband, father, volleyball player, and mostly retired skateboarder. He currently lives in Michigan with his wife and 3 children. You can read more from him at
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