TIPS ON PUMPING GAS I don't know what you guys are paying for gasoline.... My line of work is in petroleum for about 31 years now, so here are some tricks to get more of your money's worth for every gallon: Here at the Kinder Morgan Pipeline where I work in San Jose , CA we deliver about 4 million gallons in a 24-hour period thru the pipeline.. One day is diesel the next day is jet fuel, and gasoline, regular and premium grades. We have 34-storage tanks here with a total capacity of 16,800,000 gallons. ✅ Only buy or fill up your car or truck in the early morning when the ground temperature is still cold. Remember that all service stations have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets warmer gasoline expands, so buying in the afternoon or in the evening....your gallon is not exactly a gallon. In the petroleum business, the specific gravity and the temperature of the gasoline, diesel and jet fuel, ethanol and other petroleum products plays an important role. A 1-degree rise in temperature is a big deal for this business. But the service stations do not have temperature compensation at the pumps. ✅ When you're filling up do not squeeze the trigger of the nozzle to a fast mode If you look you will see that the trigger has three (3) stages: low, middle, and high. You should be pumping on low mode, thereby minimizing the vapors that are created while you are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that goes to your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank so you're getting less worth for your money. ✅ One of the most important tips is to fill up when your gas tank is HALF FULL. The reason for this is the more gas you have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks have an internal floating roof. This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the evaporation. Unlike service stations, here where I work, every truck that we load is temperature compensated so that every gallon is actually the exact amount. ✅ Another reminder, if there is a gasoline truck pumping into the storage tanks when you stop to buy gas, DO NOT fill up; most likely the gasoline is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles. https://www.facebook.com/share/p/1PhP6GwbMr54pvmv/

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Living in a tiny house can offer profound benefits, particularly in terms of financial freedom, environmental impact, and overall quality of life. One compelling reason to live in a tiny house is the opportunity to significantly reduce your financial burden and achieve greater financial independence. Financial Freedom and Simplicity Living in a tiny house can drastically cut your housing costs, freeing up money for other pursuits and investments. Here’s how: Lower Initial Cost: Affordability: Tiny houses are considerably less expensive to purchase or build compared to traditional homes. The average cost of a tiny house ranges from $20,000 to $60,000, whereas the average cost of a traditional home in the U.S. is over $300,000. This lower entry cost means you can own your home outright much sooner, avoiding decades of mortgage payments and interest. Reduced Utility Expenses: Energy Efficiency: Tiny houses are more energy-efficient, resulting in lower utility bills. Heating, cooling, and powering a smaller space require significantly less energy, reducing your monthly expenses. Many tiny house owners also incorporate sustainable energy solutions like solar panels, which can further cut costs. Minimal Maintenance Costs: Less Space to Maintain: With less square footage, maintenance and repairs are cheaper and less frequent. You save money on materials and labor for upkeep, as well as on everyday household items. Cleaning and maintaining a tiny house is quicker and easier, giving you more time to focus on activities you enjoy. Decreased Property Taxes and Insurance: Lower Taxes: Since tiny houses are smaller and typically valued less than traditional homes, property taxes are significantly lower. Additionally, insurance premiums for tiny houses can be less expensive, providing further financial relief. Simplified Lifestyle: Minimalism: Living in a tiny house necessitates a minimalist lifestyle, which encourages you to prioritize experiences over possessions. This shift can reduce unnecessary spending and help you focus on what truly matters, fostering a more fulfilling and financially stable life. Freedom from Debt: No Mortgage: By opting for a tiny house, many people can avoid or quickly pay off a mortgage, freeing them from the burden of long-term debt. This financial freedom allows for greater flexibility in career choices, the ability to save more for the future, and the opportunity to invest in other areas of life, such as travel, education, or starting a business. Flexibility and Mobility: Mobility: Many tiny houses are built on wheels, providing the flexibility to relocate easily. This mobility can save costs associated with traditional moving processes and gives you the freedom to explore different locations without the commitment of purchasing new property each time. Enhanced Quality of Life Beyond financial benefits, living in a tiny house can enhance your quality of life: Closer Connection to Nature: Tiny houses often encourage outdoor living and can be placed in more natural, serene environments, fostering a closer connection to nature and a healthier lifestyle. Community and Social Interaction: The tiny house movement has cultivated a strong, supportive community. Engaging with like-minded individuals can lead to meaningful connections and a robust social network. Environmental Impact: Reducing your living space means consuming fewer resources and generating less waste, contributing to a smaller carbon footprint and a more sustainable way of living. In conclusion, living in a tiny house can provide substantial financial freedom by lowering your initial housing costs, reducing utility and maintenance expenses, minimizing property taxes and insurance, and promoting a simplified, debt-free lifestyle. This financial liberation, coupled with the potential for an improved quality of life and a positive environmental impact, makes the tiny house lifestyle an attractive and viable option for many seeking a more intentional and liberated way of living. https://www.facebook.com/share/p/pz4mRG3R65CiZ8J9/?mibextid=xfxF2i

Living in a tiny house can offer profound benefits, particularly in terms of financial freedom, environmental impact, and overall quality of life. One compelling reason to live in a tiny house is the opportunity to significantly reduce your financial burden and achieve greater financial independence. Financial Freedom and Simplicity Living in a tiny house can drastically cut your housing costs, freeing up money for other pursuits and investments. Here’s how: Lower Initial Cost: Affordability: Tiny houses are considerably less expensive to purchase or build compared to traditional homes. The average cost of a tiny house ranges from $20,000 to $60,000, whereas the average cost of a traditional home in the U.S. is over $300,000. This lower entry cost means you can own your home outright much sooner, avoiding decades of mortgage payments and interest. Reduced Utility Expenses: Energy Efficiency: Tiny houses are more energy-efficient, resulting in lower utility bills. Heating, cooling, and powering a smaller space require significantly less energy, reducing your monthly expenses. Many tiny house owners also incorporate sustainable energy solutions like solar panels, which can further cut costs. Minimal Maintenance Costs: Less Space to Maintain: With less square footage, maintenance and repairs are cheaper and less frequent. You save money on materials and labor for upkeep, as well as on everyday household items. Cleaning and maintaining a tiny house is quicker and easier, giving you more time to focus on activities you enjoy. Decreased Property Taxes and Insurance: Lower Taxes: Since tiny houses are smaller and typically valued less than traditional homes, property taxes are significantly lower. Additionally, insurance premiums for tiny houses can be less expensive, providing further financial relief. Simplified Lifestyle: Minimalism: Living in a tiny house necessitates a minimalist lifestyle, which encourages you to prioritize experiences over possessions. This shift can reduce unnecessary spending and help you focus on what truly matters, fostering a more fulfilling and financially stable life. Freedom from Debt: No Mortgage: By opting for a tiny house, many people can avoid or quickly pay off a mortgage, freeing them from the burden of long-term debt. This financial freedom allows for greater flexibility in career choices, the ability to save more for the future, and the opportunity to invest in other areas of life, such as travel, education, or starting a business. Flexibility and Mobility: Mobility: Many tiny houses are built on wheels, providing the flexibility to relocate easily. This mobility can save costs associated with traditional moving processes and gives you the freedom to explore different locations without the commitment of purchasing new property each time. Enhanced Quality of Life Beyond financial benefits, living in a tiny house can enhance your quality of life: Closer Connection to Nature: Tiny houses often encourage outdoor living and can be placed in more natural, serene environments, fostering a closer connection to nature and a healthier lifestyle. Community and Social Interaction: The tiny house movement has cultivated a strong, supportive community. Engaging with like-minded individuals can lead to meaningful connections and a robust social network. Environmental Impact: Reducing your living space means consuming fewer resources and generating less waste, contributing to a smaller carbon footprint and a more sustainable way of living. In conclusion, living in a tiny house can provide substantial financial freedom by lowering your initial housing costs, reducing utility and maintenance expenses, minimizing property taxes and insurance, and promoting a simplified, debt-free lifestyle. This financial liberation, coupled with the potential for an improved quality of life and a positive environmental impact, makes the tiny house lifestyle an attractive and viable option for many seeking a more intentional and liberated way of living. https://www.facebook.com/share/p/dYmuFM7q3r2MwLBK/?mibextid=xfxF2i

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The much anticipated moment is here! Monday, June 26 marks the first day of business in South Carolina! The city of Spartanburg will be home to our 14th branch, expanding our in-person financial services to 8 states from coast to coast. When asked about his thoughts related to opening a branch in South Carolina, Oleg Lebedko, UFCU CEO, said, “We have been looking forward to this day for nearly a year, and we thank everyone who helped make this a reality. Our team worked diligently over several months to ensure that we will be able to provide the best possible branch experience for our members and guests.” In 2019 we opened a branch in Matthews, NC, just outside of downtown Charlotte, and it wasn’t long until we confirmed our ambitions to further expand in the southeast region of the U.S. As always, we’re grateful to our members and staff, who are truly our guiding light as we enter this new chapter in our history. We look forward to seeing you in our new branch! Address: 225 W Blackstock Road Ste A300, Spartanburg, SC 29301 Hours: M-Th: 9am – 5pm Fri: 9am – 6pm Sat: 9am – 12pm Contact details: Nataliya Chey, Branch Manager Ph: (864) 754-3770 Fax: (864) 754-3771 nchey@ukrainianfcu.org