Steps to Follow

Home renovations can be an exciting time for homeowners. Whether you're updating your kitchen, adding a new bathroom, or giving your whole house a facelift, renovations can increase the value of your property and make your space more enjoyable to live in. However, embarking on a home renovation project can be a daunting task, with numerous decisions to make and potential pitfalls to avoid.

Set a budget: Before you start any renovation project, consider how much you can realistically afford to spend and prioritize your projects accordingly. Make sure to factor in unexpected expenses and leave some room for contingencies.

Plan ahead: Take the time to carefully plan out your renovation project including what changes you want to make, what materials you'll need, and how long the project will take. Create a detailed timeline and budget to keep your project on track.

Hire the right professionals: While DIY projects can be tempting, some renovations are best left to the professionals. Make sure to hire qualified and licensed contractors for any work that requires specialized skills, such as plumbing or electrical work. Get multiple quotes and check references before making a decision.

What to Know

When purchasing electronics such as TVs, laptops, and smartphones, one common question that often arises is whether or not to invest in an extended warranty. Extended warranties are additional protection plans that offer coverage beyond the manufacturer's warranty, typically for a set period of time.

Pros of Extended Warranties:

• Extended Coverage: In the event that your electronic device malfunctions or breaks down after the manufacturer's warranty has expired, an extended warranty can save you from having to pay for costly repairs or replacements out of pocket.

• Peace of Mind: Knowing that your device is protected against unexpected damages can provide reassurance and peace of mind. This can be especially beneficial for expensive electronics that you rely on for work or daily activities.

• Convenient Repairs: With an extended warranty, you can often have your device repaired or replaced quickly and easily through the warranty provider. This can save you time and hassle compared to having to search for a reputable repair service on your own.

Now Available 24/7

To better serve you and offer the latest in technological innovation, LAFCU has enhanced the web and phone experience for our members with the debut of Angie, our 24/7 virtual assistant. She has been programmed to answer many frequently asked questions and conduct transactions.

Members can chat with Angie from our website and speak with her when calling us:

• To chat, visit our website, click the Angie avatar on the lower right of any page, then type your questions in the chat window & get rapid replies. In the mobile app & online banking, click the chat bubble icon near the top of the screen.

• To speak with her, call (877) 695-2328, then Angie will answer your spoken questions and help you conduct simple transactions on your LAFCU accounts.