As we approach the end of 2023, the U.S. housing market presents a complex and multifaceted landscape. From a seasonal downshift influenced by holiday distractions to predictions of declining home prices and a shifting demographic of buyers, various forces are shaping the real estate sector in unique ways.

As Veterans Day approaches, we embark on a journey to celebrate the remarkable individuals who have served our nation with unparalleled dedication, bravery, and sacrifice. In this edition of our Nuvision Heroes series, we are proud to feature Mike Ali, a distinguished veteran whose journey through service and beyond continues to inspire us all.

In this special edition of our Nuvision Heroes series, we proudly present the story of an exceptional veteran who not only served our nation with dedication but continues to make a difference in his community through acts of kindness and selflessness. As we approach Veterans Day, we are honored to feature the experiences and insights of Ronnie Dowlin, a veteran who reminds us of the importance of service, bravery, and sacrifice.

When it comes to financial security, knowledge is power. As part of our ongoing commitment to provide you with the tools and insights to navigate your financial journey safely, Nuvision Credit Union is excited to announce the next installment in our Nuvision Insights webinar series: "FIGHT BACK! Tips & Tactics to Prevent Fraud." This invaluable online event is scheduled for November 9, 2023, from 5:00 PM to 6:00 PM, and aims to equip you with practical information and strategies to combat fraud, especially during the vulnerable holiday season.

As we approach Veterans Day, it is important to remember and honor the service of those who have given so much to protect our freedoms and way of life. Veterans embody bravery, sacrifice, and unwavering commitment to their country. For many, their selfless service continues long after they’ve returned from active duty, enriching our communities and continuing to give back in a number of ways.

In a profession where courage, resilience, and community service are the hallmarks, Engineer Glenn Pavlovsky stands out as a paragon. He has been named Firefighter of the Year for 2023, an honor that shines a spotlight not only on his dedication but also on his love for the community. This prestigious accolade is not just a feather in his cap; it speaks volumes about the kind of firefighter and person he is.

Captain Derek Peters is not the stereotypical lifeguard that you might have seen on TV shows like "Baywatch." Born into an "ocean-centric" family, he developed a passion for the ocean from an early age. He was a competitive surfer throughout high school and continued after graduation. His upbringing instilled in him the values of community, mentorship, and responsibility towards the ocean and its beachgoers.

Katelyn Sanders is an Alaska-based firefighter EMT who embodies the grit, dedication, and altruism that characterize first responders. Having spent only 2 1/2 years in Alaska and in her role as a firefighter, Katelyn brings an eclectic background to her work, including a degree in early childhood education and experience in child and family services.