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    Save Smarter

    Six Tips for Keeping your Smartphone Secure How your device could be just as vulnerable to hackers as your computer. Presented by Member One Federal Credit Union What’s shiny, contains some of your most precious memories, and is rarely out of sight? No, it’s not your child after being slathered in sunscreen at the beach. It’s your smartphone. You hear about the importance of securing your computer from hackers, but are you aware of how vulnerable your smartphone could be too? In honor of National Cyber Security Awareness Month, we’ve rounded up tips to help keep the sensitive data on your device safe.  1. Set a personal identification number (PIN)…

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    5 Tips for Getting your Finances Vacation-Ready

    Learn how managing your money this summer can make travel season even easier Presented by Member One Federal Credit Union Planning for summer travel means choosing a location, booking your stay, and counting down until vacation time. It also means effectively managing and protecting your money so your anticipated getaway doesn’t turn into an unexpected staycation. Follow these simple tips for keeping your financial life in order before, during, and after vacation.  Notify your financial institution before you hit the road. Nothing could ruin a vacation faster than a lack of funds due to a limited cash supply and/or a frozen credit or debit card because of suspicious-looking account activity. Letting your financial institution…

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    Home Equity Basics from Member One

    Your home improvement to-do list is a mile long, but you’re lacking the funds to get anything done. Sound familiar? Since the likelihood of stumbling upon a pot of gold is none, consider tapping into your home equity—the difference between what your property is worth and what you still owe on your mortgage. Read on to learn more about how to leverage your home’s hidden value. Do the math. Home equity is calculated by looking at the value of your home and subtracting the amount you owe on any mortgages. Let’s say your home is valued at $200,000, and you owe $150,000 on your mortgage. That means you have $50,000…

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    Save Smarter: Avoid Financial Scams

    Being a victim of fraud can be devastating. It’s not just the loss of someone’s hard-earned money that makes it so upsetting; it’s also the breach of one’s privacy and personal information. Here are some common scam tactics and ways to protect yourself and your money. Skimming devices. These typically appear on gas pumps or ATMs and capture information from the magnetic strip on credit and debit cards. One way to protect your information is to check for obvious signs of tampering like an open or broken box, different color material, or graphics that aren’t aligned correctly. Avoid anything that seems questionable. Another tactic is to go inside a building…

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    Make Your Money Work for You!

    Presented by Member One Federal Credit Union From a young age, you’re told to save money for the future. But when it comes time to actually put learning into practice, many of us just don’t know where to begin. A savings account is a great start, but are you aware of how easy it can be to earn more on the money you already have? Here are five tips to get going with investing. Do your research. You can read books and online articles, listen to podcasts, and even attend classes to learn more about investing. While it’s important to arm yourself with knowledge, nothing beats face-to-face advice, especially if…

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    Don’t Lose Sight of Your Money

    Millions of people have embraced the convenience of managing their finances online. If you haven’t yet taken the plunge into this digital land, you may wonder how it works, if it’s safe, and why it could be better than traditional methods. Even if you’re savvy online, these five tips could help make it a little easier to manage your money while you’re away from your local branch or your home. Sign up for online banking. Check in on your accounts from the comfort of your couch, the convenience of your office chair, or when you’re miles away from home. Online banking gives you around-the-clock access and is a great way…

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    Member One: Credit Score Quick Guide

    It’s one of the most important numbers linked to your identity: your credit score. But are you fully aware of why it’s so significant, and what constitutes a good credit score? Read on for a brief explanation of what it is and tips for improving it. What is it? Your credit score is a number that ranges from 300 to 850 and, along with repayment history, is an indication of your creditworthiness. Anything above 700 is generally viewed as good credit and signals to potential lenders that you’re more likely to pay back your debts on time. Why should I care? A credit score helps determine whether you’re approved or…

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    Warm Up to Responsible Spending

    With warm, sunny days upon us, it’s time to plan for more than just your tan: summer spending. Vacations, airline tickets, dining out, and entertainment—it adds up. If you haven’t budgeted for these expenses in advance, a quick swipe of your credit card takes care of it. But if responsible credit card use isn’t your strength (or you just need a refresher), these tips could help curb the temptation to overspend this summer. Be selective. There are several factors to look at when picking a credit card. First, you’ll want to see what your limit is. If you don’t think you can handle the freedom of a credit card, start…