TSP TIPS vs HarborLight CU Earn & Learn

*** Now available: Mutual Fund Window TIPS. Take advantage of the TSP Mutual Fund Window by utilizing our new TIPS service, and diversify your investment for more aggressive growth opportunities. Recommendations for the TSP Mutual Fund Window, as needed — usually about 6–7 times a year. *** TSP TIPS recommendations come from a data-driven strategy designed with downside risk in mind. We notify you when our analysis says you should move your funds, and where to move it to; it's that simple. • Market analysis to maximize growth and minimize risk • Accommodating for your own preferences for risk tolerance (conservative, aggressive or moderate) • Backed by 25+ years of research and development We'll send you weekly market summaries with a recommendation on whether or not to move your funds (and where to move them to). Notifications are pushed right to your phone and your inbox, and to additional email addresses if you like. Start getting TIPS today for about $8 a month. • $79.99 annually (less than $7 a month), or • $7.99 monthly All subscriptions are paid through iTunes at the time of purchase, and renew automatically within 24 hours prior to the end of the current subscription period. Auto-renewal will charge $79.99 for annual and $7.99 for monthly subscriptions. If you'd like to disable automatic renewal, you can do so at any time prior to the 24 hour period before the end of the subscription. This can be done by going to Settings -> iTunes and App Store, viewing your Apple ID and then tapping "Manage subscriptions". It is not possible to cancel an active subscription period. We believe everyone should be able to make informed, data-driven decisions about their TSP, and it shouldn't require a finance degree or deep pockets. Making it to retirement is harder than ever, and we'd love to help you get there. View our privacy policy and terms of use at https://www.tsptips.com/privacy.html.

Unleash the power of financial literacy with our app, designed to transform kids and teens into savvy money managers! In a world where schools often fall short on financial education, our app steps in to make learning about saving†, spending, donating†, and investing* fun and accessible. Parents remain in the driver’s seat, approving transactions to ensure a safe and smart journey towards financial responsibility. Kids can make real-life money decisions right from their mobile devices, with parents providing a supportive safety net. Chores and Allowance Tracker: Turn everyday tasks into opportunities for growth! Kids can earn their allowance by completing a variety of chores, with hundreds of options to choose from or even custom ones added by parents. Our chores and allowance tracker not only helps kids earn but also instills valuable character traits like accountability, dependability, time management, and teamwork. Set it up in minutes and enjoy the convenience of weekly payments or the ease of our auto-allowance† feature. Teach Easy Investing*: Why wait to start investing? Every family account includes built-in investing, allowing kids to kickstart their financial future with commission-free trades starting at just $10. Securely invest together through our platform, backed by Apex Clearing Corporation, and watch your kids’ savings grow toward goals like college funds, first cars, and more. These essential skills will empower them to navigate adulthood with financial confidence. Learn to Spend Wisely: Empower your kids with financial independence by enrolling up to 5 children on one account, each eligible for a HarborLight Credit Union branded BusyKid Visa® Prepaid Debit Card. These cards can be used online or in stores, with parents approving all funds and monitoring transactions through their dashboard’s activity feed. BusyPay†: Say goodbye to the hassle of gift cards! BusyPay allows you to load money directly into a child account. Share a BusyPay QR code with friends and family to receive gifts for birthdays, holidays, or neighborhood jobs. Plus, use this exclusive feature to send money to others within our app. Being Charitable: Foster a balanced financial lifestyle by encouraging generosity. Donate easily to local and national charities, helping kids understand the importance of giving beyond tax benefits. Safety First: We prioritize security with the latest SSL encryption technology. Each app and card requires a unique PIN, and parents receive alerts for all transactions and card issues. Sensitive information is securely stored by partners who comply with all Payment Card Industry Data Security Standards, ensuring peace of mind for you and your family. The HarborLight Credit Union Earn & Learn program is provided through BusyKid. Funds held in a child's HarborLight CU Earn & Learn app account are federally insured up to $250,000 by the NCUA, a U.S. Government agency. The BusyKid Visa® Prepaid Debit Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A., and this card is can be used everywhere Visa debit cards are accepted. To the extent funds are held by Pathward, they are eligible for FDIC pass-through insurance, subject to applicable terms and conditions. The card is serviced by Cliq®, the exclusive authorized servicer. BusyKid and Cliq are not banks or FDIC-insured institutions; FDIC insurance protects only against the failure of an FDIC-insured depository institution. See here for full terms and conditions, including the Visa Zero policy. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Fintech Brokerage Services and Apex Clearing. Apex Fintech Brokerage Services and Apex Clearing Corporation are both licensed and registered to conduct securities business in 53 U.S. states and territories. This feature is optional and not affiliated with Pathward nor Visa. †Optional feature is a BusyKid product.