July 8, 2018 – Lincoln SDA Credit Union

What You Need To Know About Smishing Scams

July 8, 2018Financial Self Defense, Tips & Tricks

What You Need To Know About Smishing ScamsHow do you communicate with your nearest and dearest when you’re on the go and can’t make a phone call? Do you send a VoiceNote? Use WhatsApp? Or, do you send an simple text message?In a world where apps can almost run our lives for us, the humble […]

Financial milestones for young adults

Financial milestones for young adultsHere’s how to make the most of your first credit card and other payment methods on the road to full-fledged adulthood (and financial freedom)As with so many things in life, it pays to start early. As in, starting early in adulthood to build up a solid credit history so when it […] [...] Read more...

5 Steps to Take After Being Hacked

5 Steps to Take After Being HackedUh oh — you’ve been hacked! Finding out someone has cracked open your accounts and helped themselves to your information can be alarming, but there are ways to mitigate the damage while jump-starting your recovery process.Here are five steps to take after being hacked.Step 1: Assess the damageFirst, take […] [...] Read more...

Beware the Pending Package Scam

Beware the Pending Package ScamEveryone loves a surprise package, and scammers are taking the excitement out of that experience by using bogus packages as a cover for a nefarious scam that tricks victims into sharing their personal information — and their money.Here’s all you need to know about the pending package text scam:How the scam […] [...] Read more...

The Importance of Being Financially Fit

The Importance of Being Financially FitAre you ready to stretch those financial fitness muscles? We hope so, because it’s time to get financially fit!Being financially fit means living a life of complete financial responsibility. The Center for Financial Services Innovation (CFSI), also known as the Financial Health Network, defines four basic components of financial health: Spend, […] [...] Read more...

Beware Jury Duty Scams

Beware Jury Duty ScamsJury duty is a civic responsibility for U.S. citizens that enables the courts to serve justice in a fair and efficient manner.Unfortunately, some scammers are using jury duty as a cover for targeting innocent victims. The scammers rely on the victims’ limited information about the process to convince them that they have […] [...] Read more...

6 Bad Reasons to Refinance Your Home Loan

6 Bad Reasons to Refinance Your Home LoanWith interest rates trending downward over the last several months, refinancing is all the rage. For many homeowners, refinancing an existing mortgage to a home loan with an interest rate that’s at least a full point lower than their current rate, can hack hundreds of dollars off their […] [...] Read more...

How to Negotiate Salary for Your First Job

How to Negotiate Salary for Your First JobThings are falling into place, and after months of researching your options, polishing your resume and sitting through awkward interviews, you think you may have found your dream job.You’ve already gone for a follow-up interview and the position is as good as yours. The only obstacle to cross […] [...] Read more...

What’s the Best Way to Use a Home Equity Line of Credit Loan?

What’s the Best Way to Use a Home Line of Credit Equity Loan?Q: With interest rates falling and home prices rising, it seems like a great time to tap into my home’s equity using a home equity line of credit loan. What’s the best way to use these funds? A: A home equity line of […] [...] Read more...

When Does it Make Sense to Pay a Bill with a Credit Card?

When Does it Make Sense to Pay a Bill with a Credit Card?Credit cards and debit cards both offer incredible convenience. With just a quick swipe or a linked account, a payment can be instantly processed. It seems like a no-brainer to use that convenience for taking the hassle out of paying bills. But, is […] [...] Read more...

How Can I Protect Myself from Payment App Scams?

How Can I Protect Myself from Payment App Scams?Q: I love the convenience of payment apps, like Cash App and Venmo, but I’ve heard there’s been an increase in scams being pulled off within these apps. How can I continue to use my payment apps without compromising my safety?A: Payment apps offer users the ability to effortlessly […] [...] Read more...

How to Create Your First Elevator Pitch

How to Create Your First Elevator PitchElevator pitches take humble-bragging to a new level. At its core, the concept of an elevator pitch is to squeeze all you can about your talents, strengths and work experience into the time it takes for an elevator to travel from one floor to the next.Your last few months […] [...] Read more...

The Beginner’s Guide to Filling Out a W-4

The Beginner’s Guide to Filling Out a W-4It’s no secret that the IRS excels at making things complicated. And when you’re busy learning the ropes of a new job, trying to fill out a 4-page W-4 form can be a huge hassle. It’s not a good idea to rush through it, though, because a small […] [...] Read more...

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