Fraud Alert – Please be aware, GreenState will never ask for sensitive information via phone, email or text. This includes requests for passwords, secure access codes, verification codes, PIN or credit/debit card 3-digit codes.
You might be living in your best source of funding for anything from home improvement to debt consolidation or anything else! A home equity line of credit, or #HELOC, lets you borrow against the equity you have in your home. The rates are much lower than credit cards or other forms of loans; you can control how much you borrow; the fees are small; you don’t need a perfect credit rating and the payment terms are usually negotiable. Depending on how you spend the money, the interest might even be tax deductible!
Uh oh — you’ve been hacked! Luckily, there are ways to mitigate the damage and jumpstart your recovery process. It seems like being hacked is happening to us all. First off, check the damage and figure out if you used the hacked password on multiple accounts. Every one of those will need to be watched closely. Change all your passwords to something more secure and varied (a password service is great for this). Protect your credit by disputing fraudulent claims and using a fraud alert or credit freeze. Let the authorities know, and be very careful going forward, as the effects of identity theft can take a while to surface.
Mega e-tailers, like Amazon and Walmart, may monopolize online commerce, but it’s the small businesses across the country that keep the economy going. In fact, according to the Small Business Administration (SBA), the 28 million small businesses in America account for 54 percent of all sales in the country. Small businesses create jobs, build a demand for locally made products and keep communities thriving.
Your local small businesses are part of your community’s landscape. That’s where you catch the latest town news and where you’re always greeted with a warm smile. At a local small business, you’ll be guaranteed superior service and the gratification that comes from knowing you’re supporting the economy in your own community.
Check out our top 8 reasons to shop local.
Rosemarie Groner and her husband found themselves $30K in debt with their finances in disarray, and managed to turn it all around thanks to her self-developed #90DayBudgetBootcamp. For those struggling with how to make a budget and stick to it, her Busy Budgeter blog is a wealth of information on everything from easy meals to pickleball (a budget-friendly game). It’s all there! The budget bootcamp is free, and there are paid courses for more in-depth help and study.
Q: With COVID-19 still disrupting all kinds of plans, I’m wondering about Halloween celebrations this year. Is there any way to safely celebrate Halloween in 2020?
A: How to safely celebrate this year is a question that’s frightening Halloween lovers all over the globe. Fortunately, the answer is not all that scary. With some flexibility and wise precautions, Halloween can still be a frightfully fun day for the entire family.
Here’s all you need to know about celebrating Halloween safely in the era of COVID-19.
Debt is the ultimate killjoy. It can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye?
Crawling out from under this mountain won’t be easy, but if you’re ready to realign your priorities and do what it takes, you can shake off debt no matter how large.
Let’s take a look at two popular approaches for paying down debt and explore the pros and cons of each.
Fall has arrived! Cozy up with a big bowl of delicious soup.
Yield: 4 servings
Hands-on prep time: 8 minutes
Cooking time: 25 minutes
Price per serving: $1.85
When disaster strikes, so do the scams. It’s the season of hurricanes, earthquakes, tornadoes and more. If you live in an area that’s prone to storms and flooding, or you volunteer to help the victims of natural disasters, beware of these four post-disaster scams so you’re not taken for a ride.
Tens of millions of Americans have found themselves out of work as the economy reels from the impact of COVID-19. A record 22 million Americans have filed for unemployment insurance in the four weeks leading up to April 11.
Unfortunately, when there’s bad news, the scammers aren’t far behind. According to the Federal Trade Commission (FTC), Americans have lost a collective $13.4 million to coronavirus-related fraud since the beginning of 2020, and unemployment scams have contributed their fair share to the loss.
The panicked rush to fill out claims, along with the overloaded unemployment websites and phone lines, provide the perfect cover for con artists. In light of the pandemic, the federal government has also waived some regulations of unemployment insurance, including the requirement to actively be seeking work in order to be eligible for benefits. The looser criteria have only made it easier for scammers to pull off their schemes without getting caught.
Has a financial meteorite hit your budget? How will you cope? Of course, you should have an emergencyfund, but if you don’t (or it’s not big enough), you have some options. Credit cards will handle the emergency, but the interest is a killer. Personal loans are also high (although GreenState Credit Union has the best rates). Borrowing from friends can kill a friendship, and borrowing from your 401(k) can kill your retirement. But if your back is against the wall, pick the one that best fits your needs, THEN get your emergency fund set up! Do you have a secure plan in place for emergencies?