http://www.uwcu.org//Education/Articles/ArticleList.aspx?c=all All webmaster@uwcu.org en-us Copyright 2009 University of Wisconsin Credit Union 360 96 85 http://www.uwcu.org http://www.uwcu.org//images/logo.RSS.gif What happens when you attempt to sell an item on the internet and you are scammed by a buyer? http://www.uwcu.org/Education/Articles/Articles/Ways-to-Recognize-Scams-on-the-Internet.aspx http://www.uwcu.org/Education/Articles/Articles/Ways-to-Recognize-Scams-on-the-Internet.aspx Wed, 14 Oct 2009 10:09:48 GMT webmaster@uwcu.org (UW Credit Union) Great Halloween costumes don't have to cost a lot. If you are looking for ways to save money on your costume or just need an idea, try these suggestions. http://www.uwcu.org/Education/Articles/Articles/Halloween-Costumes-on-a-Budget.aspx http://www.uwcu.org/Education/Articles/Articles/Halloween-Costumes-on-a-Budget.aspx Wed, 14 Oct 2009 10:09:13 GMT webmaster@uwcu.org (UW Credit Union) Here are some tips you can try to help decrease heating expenses during fall and winter months. http://www.uwcu.org/Education/Articles/Articles/Six-Ways-to-Save-on-Your-Heating-Bill.aspx http://www.uwcu.org/Education/Articles/Articles/Six-Ways-to-Save-on-Your-Heating-Bill.aspx Wed, 14 Oct 2009 10:07:40 GMT webmaster@uwcu.org (UW Credit Union) There are many seasonal activities near campus—you can pick pumpkins, scare yourself at a haunted house or just find a good place to observe the beautiful fall leaves—all within your budget. http://www.uwcu.org/Education/Articles/Articles/Autumn-Fun-on-a-Budget.aspx http://www.uwcu.org/Education/Articles/Articles/Autumn-Fun-on-a-Budget.aspx Wed, 14 Oct 2009 10:04:58 GMT webmaster@uwcu.org (UW Credit Union) A buyer's market, combined with our low rates and loan programs, make it easy. http://www.uwcu.org/Education/Articles/Articles/Thinking-About-Buying-a-Home.aspx http://www.uwcu.org/Education/Articles/Articles/Thinking-About-Buying-a-Home.aspx Thu, 01 Oct 2009 09:43:33 GMT webmaster@uwcu.org (UW Credit Union) Many Americans are significantly underinsured when it comes to life insurance. UW Credit Union's partnership with VantisLife Insurance Company will help you determine how much and what type of life insurance fits your situation. http://www.uwcu.org/Education/Articles/Articles/Protect-Your-Loved-Ones-with-Life-Insurance.aspx http://www.uwcu.org/Education/Articles/Articles/Protect-Your-Loved-Ones-with-Life-Insurance.aspx Thu, 01 Oct 2009 09:41:48 GMT webmaster@uwcu.org (UW Credit Union) Beginning January 1, 2010, anyone can enjoy the benefits of converting Traditional IRAs to Roth IRAs through Section 512 of the Tax Increase Prevention and Reconciliation Act (TIPRA). http://www.uwcu.org/Education/Articles/Articles/New-Law-Makes-2010-Roth-IRA-Conversions-Possible.aspx http://www.uwcu.org/Education/Articles/Articles/New-Law-Makes-2010-Roth-IRA-Conversions-Possible.aspx Thu, 01 Oct 2009 09:37:54 GMT webmaster@uwcu.org (UW Credit Union) Use these tips to help you get through furloughs, pay cuts and layoffs. http://www.uwcu.org/Education/Articles/Articles/Four-Ways-to-Handle-a-Financial-Setback.aspx http://www.uwcu.org/Education/Articles/Articles/Four-Ways-to-Handle-a-Financial-Setback.aspx Thu, 01 Oct 2009 09:35:45 GMT webmaster@uwcu.org (UW Credit Union) Use these tips to avoid pitfalls so your budget will grow along with your children. http://www.uwcu.org/Education/Articles/Articles/Financial-Mistakes-Made-by-Parents.aspx http://www.uwcu.org/Education/Articles/Articles/Financial-Mistakes-Made-by-Parents.aspx Thu, 01 Oct 2009 09:33:42 GMT webmaster@uwcu.org (UW Credit Union) We've all seen and heard the TV and radio ads promising to eliminate our debt. Even though there are legitimate companies, there are things to look for and to be cautious of when using these services, in addition to better alternatives. http://www.uwcu.org/Education/Articles/Articles/Can-You-Really-Erase-Debt.aspx http://www.uwcu.org/Education/Articles/Articles/Can-You-Really-Erase-Debt.aspx Thu, 01 Oct 2009 09:25:54 GMT webmaster@uwcu.org (UW Credit Union) More hybrid vehicles have been hitting the streets as people become concerned about gas prices and the environment. Learn if owning a hybrid vehicle is right for your lifestyle. http://www.uwcu.org/Education/Articles/Articles/Purchasing-a-Hybrid-Vehicle.aspx http://www.uwcu.org/Education/Articles/Articles/Purchasing-a-Hybrid-Vehicle.aspx Thu, 01 Oct 2009 09:25:00 GMT webmaster@uwcu.org (UW Credit Union) College can be expensive. Luckily, there are many options for students who are looking for ways to help fund their education. http://www.uwcu.org/Education/Articles/Articles/Ways-to-Help-Pay-for-College.aspx http://www.uwcu.org/Education/Articles/Articles/Ways-to-Help-Pay-for-College.aspx Wed, 19 Aug 2009 12:01:50 GMT webmaster@uwcu.org (UW Credit Union) Renters insurance is a highly recommended but often overlooked type of insurance. http://www.uwcu.org/Education/Articles/Articles/Protect-your-Belongings-with-Renters-Insurance.aspx http://www.uwcu.org/Education/Articles/Articles/Protect-your-Belongings-with-Renters-Insurance.aspx Wed, 19 Aug 2009 12:00:27 GMT webmaster@uwcu.org (UW Credit Union) No matter where you live or where you travel around your campus, there are many things you can do to keep yourself and your possessions safe. http://www.uwcu.org/Education/Articles/Articles/Personal-Safety-on-Campus.aspx http://www.uwcu.org/Education/Articles/Articles/Personal-Safety-on-Campus.aspx Wed, 19 Aug 2009 11:59:40 GMT webmaster@uwcu.org (UW Credit Union) On May 22, 2009, President Obama signed the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009. Scheduled to be fully implemented February 2010, the CARD Act will likely affect every person in the U.S. who has or is planning on getting a credit card. http://www.uwcu.org/Education/Articles/Articles/New-Credit-Card-Legislation.aspx http://www.uwcu.org/Education/Articles/Articles/New-Credit-Card-Legislation.aspx Wed, 19 Aug 2009 11:58:11 GMT webmaster@uwcu.org (UW Credit Union) Living with roommates can be a great experience, but it can also be challenging. Here are some tips to consider that might help you avoid conflicts. http://www.uwcu.org/Education/Articles/Articles/Living-with-Roommates.aspx http://www.uwcu.org/Education/Articles/Articles/Living-with-Roommates.aspx Wed, 19 Aug 2009 11:56:39 GMT webmaster@uwcu.org (UW Credit Union) Although there are many legitimate websites, emails and searches, there are also many opportunities for "phishers" to try to steal your personal information. Learn what links and searches to avoid. http://www.uwcu.org/Education/Articles/Articles/Defense-against-Phishing-Attempts.aspx http://www.uwcu.org/Education/Articles/Articles/Defense-against-Phishing-Attempts.aspx Wed, 19 Aug 2009 11:54:59 GMT webmaster@uwcu.org (UW Credit Union) If you've completed your Spring Cleaning and are unsure of what to do with the things you no longer want, use these tips to avoid adding to landfills while earning extra money. http://www.uwcu.org/Education/Articles/Articles/Recycle-Your-Unwanted-Items.aspx http://www.uwcu.org/Education/Articles/Articles/Recycle-Your-Unwanted-Items.aspx Tue, 30 Jun 2009 11:47:36 GMT webmaster@uwcu.org (UW Credit Union) Free trials are a great way to test new products, but they often come with a catch. Use these tips to make sure so you don't get billed unexpectedly. http://www.uwcu.org/Education/Articles/Articles/Read-the-Fine-Print.aspx http://www.uwcu.org/Education/Articles/Articles/Read-the-Fine-Print.aspx Tue, 30 Jun 2009 11:46:31 GMT webmaster@uwcu.org (UW Credit Union) Starting in July, we will be offering a Milwaukee Skyline credit card design in addition to our Madison Capitol and standard designs. http://www.uwcu.org/Education/Articles/Articles/Milwaukee-Skyline-Credit-Card.aspx http://www.uwcu.org/Education/Articles/Articles/Milwaukee-Skyline-Credit-Card.aspx Tue, 30 Jun 2009 11:45:20 GMT webmaster@uwcu.org (UW Credit Union) Instant Issue debit cards can be printed at our branches in minutes. Leave with your debit card the same day. http://www.uwcu.org/Education/Articles/Articles/Instant-Issue-Debit-Cards-are-Here.aspx http://www.uwcu.org/Education/Articles/Articles/Instant-Issue-Debit-Cards-are-Here.aspx Tue, 30 Jun 2009 11:43:05 GMT webmaster@uwcu.org (UW Credit Union) Whether you are a newlywed or have celebrated a few anniversaries, use these tips to avoid the most common money issues faced by couples. http://www.uwcu.org/Education/Articles/Articles/Five-Common-Money-Mistakes-Made-by-Couples.aspx http://www.uwcu.org/Education/Articles/Articles/Five-Common-Money-Mistakes-Made-by-Couples.aspx Tue, 30 Jun 2009 11:39:57 GMT webmaster@uwcu.org (UW Credit Union) Many of you have noticed in the news that merchants and retailers are raising concerns about the interchange fees they pay, and asking congress to intervene in the market to lower rates that have traditionally been established through contracts. http://www.uwcu.org/Education/Articles/Articles/Credit-Card-Interchange.aspx http://www.uwcu.org/Education/Articles/Articles/Credit-Card-Interchange.aspx Tue, 30 Jun 2009 11:31:02 GMT webmaster@uwcu.org (UW Credit Union) There are many things you can and should do to prevent online fraud and protect your personal information online. http://www.uwcu.org/Education/Articles/Articles/Protect-Yourself-from-Online-Fraud.aspx http://www.uwcu.org/Education/Articles/Articles/Protect-Yourself-from-Online-Fraud.aspx Tue, 23 Jun 2009 13:39:20 GMT webmaster@uwcu.org (UW Credit Union) Wisconsin has a wealth of opportunities for fun, right in your backyard. Here are some hidden treasures that will eliminate summer boredom but won't break the bank. http://www.uwcu.org/Education/Articles/Articles/Summer-Day-Trips-on-a-Budget.aspx http://www.uwcu.org/Education/Articles/Articles/Summer-Day-Trips-on-a-Budget.aspx Tue, 23 Jun 2009 13:37:00 GMT webmaster@uwcu.org (UW Credit Union) There are many things that you can do to start your credit on the right foot. http://www.uwcu.org/Education/Articles/Articles/Start-Building-Credit-Responsibly.aspx http://www.uwcu.org/Education/Articles/Articles/Start-Building-Credit-Responsibly.aspx Tue, 23 Jun 2009 13:33:49 GMT webmaster@uwcu.org (UW Credit Union) Traveling this summer? Our services make it easy for you to bank with UW Credit Union, no matter where you might go. http://www.uwcu.org/Education/Articles/Articles/Off-Campus-Banking-Solutions.aspx http://www.uwcu.org/Education/Articles/Articles/Off-Campus-Banking-Solutions.aspx Tue, 23 Jun 2009 13:30:50 GMT webmaster@uwcu.org (UW Credit Union) The secret shopper scam has become more common and has recently hit UW Credit Union members and branches. http://www.uwcu.org/Education/Articles/Articles/Beware-of-Secret-Shopper-Scams.aspx http://www.uwcu.org/Education/Articles/Articles/Beware-of-Secret-Shopper-Scams.aspx Tue, 23 Jun 2009 13:29:12 GMT webmaster@uwcu.org (UW Credit Union) Use these tips to save a few extra dollars while you travel. http://www.uwcu.org/Education/Articles/Articles/Traveling-on-a-Budget.aspx http://www.uwcu.org/Education/Articles/Articles/Traveling-on-a-Budget.aspx Tue, 28 Apr 2009 14:29:56 GMT webmaster@uwcu.org (UW Credit Union) Be on the lookout for people who will try to use your sublet as an opportunity to scam you. http://www.uwcu.org/Education/Articles/Articles/Subletting-This-Summer.aspx http://www.uwcu.org/Education/Articles/Articles/Subletting-This-Summer.aspx Fri, 10 Apr 2009 13:34:23 GMT webmaster@uwcu.org (UW Credit Union) Here are some time-saving helpful hints for keeping your checking account in good shape. http://www.uwcu.org/Education/Articles/Articles/Helpful-Checking-Account-Hints.aspx http://www.uwcu.org/Education/Articles/Articles/Helpful-Checking-Account-Hints.aspx Fri, 10 Apr 2009 13:32:32 GMT webmaster@uwcu.org (UW Credit Union) It doesn't take much to help improve the environment—a few small steps can go a long way. http://www.uwcu.org/Education/Articles/Articles/Help-the-Environment.aspx http://www.uwcu.org/Education/Articles/Articles/Help-the-Environment.aspx Fri, 10 Apr 2009 13:30:32 GMT webmaster@uwcu.org (UW Credit Union) A new phone scam has targeted customers of area financial institutions. http://www.uwcu.org/Education/Articles/Articles/Be-Aware-of-New-Phone-Scam.aspx http://www.uwcu.org/Education/Articles/Articles/Be-Aware-of-New-Phone-Scam.aspx Fri, 10 Apr 2009 13:29:36 GMT webmaster@uwcu.org (UW Credit Union) It's important that you are able to discuss your strengths and show the employer why you will make a good addition to their company. http://www.uwcu.org/Education/Articles/Articles/Job-Hunting-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Job-Hunting-Tips.aspx Fri, 10 Apr 2009 13:26:43 GMT webmaster@uwcu.org (UW Credit Union) With the recent passing of the stimulus plan, here are some highlights that could save you money. http://www.uwcu.org/Education/Articles/Articles/Economic-Stimulus-Package.aspx http://www.uwcu.org/Education/Articles/Articles/Economic-Stimulus-Package.aspx Tue, 31 Mar 2009 09:52:10 GMT webmaster@uwcu.org (UW Credit Union) Many people are facing a job loss in today's tough economic time. Use these tips to help prepare for a situation when you are unable to pay your bills. http://www.uwcu.org/Education/Articles/Articles/Reach-out-to-Creditors-in-Times-of-Hardship.aspx http://www.uwcu.org/Education/Articles/Articles/Reach-out-to-Creditors-in-Times-of-Hardship.aspx Tue, 31 Mar 2009 09:48:37 GMT webmaster@uwcu.org (UW Credit Union) A new phone scam has targeted customers of area financial institutions. People received automated voicemails asking them to call back to verify account information. http://www.uwcu.org/Education/Articles/Articles/Protect-Your-Personal-Information.aspx http://www.uwcu.org/Education/Articles/Articles/Protect-Your-Personal-Information.aspx Tue, 31 Mar 2009 09:47:55 GMT webmaster@uwcu.org (UW Credit Union) See credit card transactions in Web Branch that you've made but that haven't appeared on your monthly statement. Simply click the "Recent Items" link above your credit card history. http://www.uwcu.org/Education/Articles/Articles/Recent-Credit-Card-Transactions.aspx http://www.uwcu.org/Education/Articles/Articles/Recent-Credit-Card-Transactions.aspx Tue, 31 Mar 2009 09:46:33 GMT webmaster@uwcu.org (UW Credit Union) Use these tips to prevent yourself from becoming a victim of scams that collect your personal information. http://www.uwcu.org/Education/Articles/Articles/Prevent-Identity-Theft.aspx http://www.uwcu.org/Education/Articles/Articles/Prevent-Identity-Theft.aspx Wed, 25 Feb 2009 13:27:57 GMT webmaster@uwcu.org (UW Credit Union) Whether you are opening a new checking account or need a replacement card, Instant Issue debit cards make it easy. http://www.uwcu.org/Education/Articles/Articles/Instant-Issue-Debit-Cards-Available.aspx http://www.uwcu.org/Education/Articles/Articles/Instant-Issue-Debit-Cards-Available.aspx Wed, 25 Feb 2009 13:26:21 GMT webmaster@uwcu.org (UW Credit Union) Recently, fraudulent letters were mailed to parents of Wisconsin college students. They requested that $49 be paid in return for receiving information about financial aid and scholarships. http://www.uwcu.org/Education/Articles/Articles/Financial-Aid-Letter-Scams.aspx http://www.uwcu.org/Education/Articles/Articles/Financial-Aid-Letter-Scams.aspx Mon, 16 Feb 2009 10:39:38 GMT webmaster@uwcu.org (UW Credit Union) By March 11, all UW Credit Union branches will have the ability to print instant issue debit cards which eliminate the waiting period that is required for traditional debit cards and PINs to arrive in the mail. http://www.uwcu.org/Education/Articles/Articles/Lose-Your-Debit-Card.aspx http://www.uwcu.org/Education/Articles/Articles/Lose-Your-Debit-Card.aspx Mon, 09 Feb 2009 14:02:18 GMT webmaster@uwcu.org (UW Credit Union) Stock your dorm room or apartment up with these essentials and you'll be making meals that remind you of home in no time. http://www.uwcu.org/Education/Articles/Articles/College-Cooking-Survival-Guide.aspx http://www.uwcu.org/Education/Articles/Articles/College-Cooking-Survival-Guide.aspx Mon, 09 Feb 2009 14:01:16 GMT webmaster@uwcu.org (UW Credit Union) Help prevent yourself from becoming a victim of card fraud. http://www.uwcu.org/Education/Articles/Articles/Card-Fraud-Prevention-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Card-Fraud-Prevention-Tips.aspx Mon, 09 Feb 2009 14:00:15 GMT webmaster@uwcu.org (UW Credit Union) Try these tips to help save a few extra dollars on your bill. http://www.uwcu.org/Education/Articles/Articles/Choose-Your-Cell-Phone-Plan-Wisely.aspx http://www.uwcu.org/Education/Articles/Articles/Choose-Your-Cell-Phone-Plan-Wisely.aspx Mon, 09 Feb 2009 13:57:50 GMT webmaster@uwcu.org (UW Credit Union) Recently, Dane county financial institutions were hit with phishing emails and text messages, fraudulent communications sent in attempt to get your personal information. Although UW Credit Union members weren't targeted, protect yourself from becoming a victim of fraud. http://www.uwcu.org/Education/Articles/Articles/Phishing-Emails-on-the-Rise.aspx http://www.uwcu.org/Education/Articles/Articles/Phishing-Emails-on-the-Rise.aspx Fri, 30 Jan 2009 13:46:22 GMT webmaster@uwcu.org (UW Credit Union) Through our partnership with BALANCE, you can receive free and low cost confidential counseling services. http://www.uwcu.org/Education/Articles/Articles/Economy-Questions-Answered.aspx http://www.uwcu.org/Education/Articles/Articles/Economy-Questions-Answered.aspx Fri, 30 Jan 2009 13:45:23 GMT webmaster@uwcu.org (UW Credit Union) With interest rates as low as they are, determine if refinancing is right for you. http://www.uwcu.org/Education/Articles/Articles/Refinancing-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Refinancing-Tips.aspx Fri, 30 Jan 2009 13:44:29 GMT webmaster@uwcu.org (UW Credit Union) Going through the home loan process for the first time can be a daunting task. It doesn't have to be with a few tips and help from the home loan specialists at UW Credit Union. http://www.uwcu.org/Education/Articles/Articles/Steps-to-Homeownership.aspx http://www.uwcu.org/Education/Articles/Articles/Steps-to-Homeownership.aspx Wed, 31 Dec 2008 11:06:10 GMT webmaster@uwcu.org (UW Credit Union) Whether you need to get money to your college student or want to transfer money to and from your UW Credit Union account from your accounts at other financial institutions, we have the tools you need to make it possible. http://www.uwcu.org/Education/Articles/Articles/Money-Transfers-Made-Easy.aspx http://www.uwcu.org/Education/Articles/Articles/Money-Transfers-Made-Easy.aspx Wed, 31 Dec 2008 11:04:55 GMT webmaster@uwcu.org (UW Credit Union) With the new year upon us, resolve to save more. The following tips are easy and will help you stick to your resolution the whole year. http://www.uwcu.org/Education/Articles/Articles/Five-Smart-Savings-Tips-for-the-New-Year.aspx http://www.uwcu.org/Education/Articles/Articles/Five-Smart-Savings-Tips-for-the-New-Year.aspx Wed, 31 Dec 2008 11:04:42 GMT webmaster@uwcu.org (UW Credit Union) Smishing is a type of scam used to collect personal information on cell phones and other mobile devices. There are two common types of Smishing scams. http://www.uwcu.org/Education/Articles/Articles/Dont-Be-Smished.aspx http://www.uwcu.org/Education/Articles/Articles/Dont-Be-Smished.aspx Wed, 31 Dec 2008 11:01:52 GMT webmaster@uwcu.org (UW Credit Union) With the holiday season here, use these pocketbook-friendly tips to enjoy gift giving without the shock to your budget in January. http://www.uwcu.org/Education/Articles/Articles/Five-Holiday-Shopping-Tips-on-a-Budget.aspx http://www.uwcu.org/Education/Articles/Articles/Five-Holiday-Shopping-Tips-on-a-Budget.aspx Fri, 28 Nov 2008 14:25:34 GMT webmaster@uwcu.org (UW Credit Union) With holiday shopping going on by mail, phone and the Internet, here are a few things you can do to stay safe and protect yourself from fraud. http://www.uwcu.org/Education/Articles/Articles/Shop-Safe-this-Season.aspx http://www.uwcu.org/Education/Articles/Articles/Shop-Safe-this-Season.aspx Fri, 28 Nov 2008 14:24:15 GMT webmaster@uwcu.org (UW Credit Union) In difficult economic times, having a good credit score is especially important. If you need to improve your credit score, here are some things you can do. http://www.uwcu.org/Education/Articles/Articles/Improve-Your-Credit-Score.aspx http://www.uwcu.org/Education/Articles/Articles/Improve-Your-Credit-Score.aspx Mon, 03 Nov 2008 14:02:50 GMT webmaster@uwcu.org (UW Credit Union) Secret shopper scams are becoming more prevalent and have even recently hit the Dane County area. Here are some things to keep in mind to protect yourself. http://www.uwcu.org/Education/Articles/Articles/Secret-Shopper-Scams.aspx http://www.uwcu.org/Education/Articles/Articles/Secret-Shopper-Scams.aspx Mon, 03 Nov 2008 14:01:51 GMT webmaster@uwcu.org (UW Credit Union) Here are a few myths in the marketplace and the UW Credit Union difference. http://www.uwcu.org/Education/Articles/Articles/Home-Loan-Myths.aspx http://www.uwcu.org/Education/Articles/Articles/Home-Loan-Myths.aspx Mon, 03 Nov 2008 14:01:19 GMT webmaster@uwcu.org (UW Credit Union) UW Credit Union became the first financial institution in Dane County to offer flat, instant issue debit cards. The cards are ready for use immediately when they are issued and eliminate the waiting period of mailing the card and PIN. http://www.uwcu.org/Education/Articles/Articles/Instant-Issue-Debit-Cards.aspx http://www.uwcu.org/Education/Articles/Articles/Instant-Issue-Debit-Cards.aspx Tue, 30 Sep 2008 10:30:54 GMT webmaster@uwcu.org (UW Credit Union) If you're in the market for a new car, use these helpful tips from the Auto Research Center to get you started. http://www.uwcu.org/Education/Articles/Articles/Top-5-Car-Buying-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Top-5-Car-Buying-Tips.aspx Tue, 30 Sep 2008 10:04:48 GMT webmaster@uwcu.org (UW Credit Union) Tough economic times are hitting people with pay cuts and layoffs. With planning and a careful look at your finances, you can survive during challenging times. http://www.uwcu.org/Education/Articles/Articles/Four-Ways-to-Make-the-Most-of-a-Reduced-Paycheck.aspx http://www.uwcu.org/Education/Articles/Articles/Four-Ways-to-Make-the-Most-of-a-Reduced-Paycheck.aspx Tue, 30 Sep 2008 10:02:54 GMT webmaster@uwcu.org (UW Credit Union) With gas prices continuing to climb, there are several steps you can take to save yourself money. http://www.uwcu.org/Education/Articles/Articles/10-Ways-to-Save-at-the-Pump.aspx http://www.uwcu.org/Education/Articles/Articles/10-Ways-to-Save-at-the-Pump.aspx Tue, 02 Sep 2008 14:40:44 GMT webmaster@uwcu.org (UW Credit Union) Purchasing a home will most likely be one of the biggest financial transactions you will make. There are two primary types of home loans in today's market&emdash;fixed rate mortgages and adjustable rate mortgages (ARMs). http://www.uwcu.org/Education/Articles/Articles/Fixed-vs-Adjustable-Rate-Mortgages.aspx http://www.uwcu.org/Education/Articles/Articles/Fixed-vs-Adjustable-Rate-Mortgages.aspx Tue, 02 Sep 2008 14:37:14 GMT webmaster@uwcu.org (UW Credit Union) Use these tips to help budget for the future in a tough economy. http://www.uwcu.org/Education/Articles/Articles/Savings-Strategies.aspx http://www.uwcu.org/Education/Articles/Articles/Savings-Strategies.aspx Mon, 04 Aug 2008 09:14:57 GMT webmaster@uwcu.org (UW Credit Union) If you are about to cash a check from an item you sold on the Internet, such as a car, boat, jewelry, etc., be mindful of situations which indicate fraudulent activity. http://www.uwcu.org/Education/Articles/Articles/Beware-of-Check-Scams.aspx http://www.uwcu.org/Education/Articles/Articles/Beware-of-Check-Scams.aspx Mon, 04 Aug 2008 09:13:43 GMT webmaster@uwcu.org (UW Credit Union) Our calculators can determine if 0% financing or using a rebate is right for you. Our Auto Research Center lets you learn more about your dream car before you drive home. http://www.uwcu.org/Education/Articles/Articles/Car-Buying-Decisions-Made-Easy.aspx http://www.uwcu.org/Education/Articles/Articles/Car-Buying-Decisions-Made-Easy.aspx Mon, 04 Aug 2008 09:11:45 GMT webmaster@uwcu.org (UW Credit Union) You are your best defense in catching fraudulent account activity. http://www.uwcu.org/Education/Articles/Articles/Preventing-Fraud-Starts-with-You.aspx http://www.uwcu.org/Education/Articles/Articles/Preventing-Fraud-Starts-with-You.aspx Mon, 30 Jun 2008 15:33:17 GMT webmaster@uwcu.org (UW Credit Union) There's a new twist on phishing emails. Instead of replying to the email, scammers ask you to call an 800 number to verify your identity. http://www.uwcu.org/Education/Articles/Articles/Play-it-safe-with-Phishing-emails.aspx http://www.uwcu.org/Education/Articles/Articles/Play-it-safe-with-Phishing-emails.aspx Tue, 03 Jun 2008 16:27:00 GMT webmaster@uwcu.org (UW Credit Union) Review these financial safety travel tips to keep your money safe and secure. http://www.uwcu.org/Education/Articles/Articles/Travel-Safe-This-Summer.aspx http://www.uwcu.org/Education/Articles/Articles/Travel-Safe-This-Summer.aspx Tue, 03 Jun 2008 15:36:28 GMT webmaster@uwcu.org (UW Credit Union) If you are planning to sublet your apartment for the summer, be mindful of a new type of scam that is on the rise. http://www.uwcu.org/Education/Articles/Articles/Subletting-Scams.aspx http://www.uwcu.org/Education/Articles/Articles/Subletting-Scams.aspx Mon, 05 May 2008 14:42:10 GMT webmaster@uwcu.org (UW Credit Union) If you are tired of renting, ready to move into a bigger, better, home, or just want to lower your monthly mortgage payment, now’s the time to put our low rates to work for you. http://www.uwcu.org/Education/Articles/Articles/Take-Advantage-Of-Low-Rates.aspx http://www.uwcu.org/Education/Articles/Articles/Take-Advantage-Of-Low-Rates.aspx Mon, 05 May 2008 14:22:00 GMT webmaster@uwcu.org (UW Credit Union) Hopefully, one of your New Year’s Resolutions is to save more money—more for rainy days, and more for your retirement. http://www.uwcu.org/Education/Articles/Articles/Money-Saving-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Money-Saving-Tips.aspx Fri, 28 Dec 2007 15:33:18 GMT webmaster@uwcu.org (UW Credit Union) Despite all of the attention, counterfeit checks continue to be a growing problem. Basically, scammers pretend to be someone they’re not to lure victims into doing things they normally wouldn’t do. Don’t fall prey to these ploys. http://www.uwcu.org/Education/Articles/Articles/Check-Fraud-Protect-Yourself.aspx http://www.uwcu.org/Education/Articles/Articles/Check-Fraud-Protect-Yourself.aspx Fri, 28 Dec 2007 15:29:28 GMT webmaster@uwcu.org (UW Credit Union) As a result of a change to Reg E, you may not get a receipt every time you use your ATM/debit card. http://www.uwcu.org/Education/Articles/Articles/Why-Didnt-I-Get-A-Receipt.aspx http://www.uwcu.org/Education/Articles/Articles/Why-Didnt-I-Get-A-Receipt.aspx Fri, 02 Nov 2007 13:19:41 GMT webmaster@uwcu.org (UW Credit Union) Again this year, UW Credit Union will participate in Money Smart Week Wisconsin. The week of October 8, we’re providing a series of extra seminars to help people build financial knowledge so they can manage money wisely. http://www.uwcu.org/Education/Articles/Articles/Money-Smart-Seminar-Series.aspx http://www.uwcu.org/Education/Articles/Articles/Money-Smart-Seminar-Series.aspx Mon, 24 Sep 2007 11:15:06 GMT webmaster@uwcu.org (UW Credit Union) Recently Congress called on some of the largest credit card issuers to explain certain credit card fees and practices. Here’s what is being scrutinized, and how UW Credit Union compares. http://www.uwcu.org/Education/Articles/Articles/Congress-Questions-Credit-Card-Industry.aspx http://www.uwcu.org/Education/Articles/Articles/Congress-Questions-Credit-Card-Industry.aspx Mon, 02 Jul 2007 08:45:32 GMT webmaster@uwcu.org (UW Credit Union) Have you seen the workmanship on today’s counterfeit checks? Upon inspection, the checks appear genuine. http://www.uwcu.org/Education/Articles/Articles/Counterfeit-Checks-Can-Appear-Genuine.aspx http://www.uwcu.org/Education/Articles/Articles/Counterfeit-Checks-Can-Appear-Genuine.aspx Fri, 01 Jun 2007 09:42:01 GMT webmaster@uwcu.org (UW Credit Union) We keep a close eye on fraud to protect our members’ accounts. One tool we use is called Falcon, which recognizes your typical transaction patterns and sends an alert to UW Credit Union whenever an unusual transaction occurs. http://www.uwcu.org/Education/Articles/Articles/On-The-Lookout-For-Fraud.aspx http://www.uwcu.org/Education/Articles/Articles/On-The-Lookout-For-Fraud.aspx Tue, 01 May 2007 13:27:54 GMT webmaster@uwcu.org (UW Credit Union) Have you ever paid $33.50 for a cup of coffee? It could happen, if you use certain bank debit cards and overdraw your account, according to a recent study by the Center for Responsible Lending. http://www.uwcu.org/Education/Articles/Articles/How-Much-Would-You-Pay-For-Coffee.aspx http://www.uwcu.org/Education/Articles/Articles/How-Much-Would-You-Pay-For-Coffee.aspx Tue, 01 May 2007 13:26:38 GMT webmaster@uwcu.org (UW Credit Union) Most people think of Roth IRAs as a great retirement investment. They are, because earnings are tax-free. But you can also use Roth IRAs for other purposes. http://www.uwcu.org/Education/Articles/Articles/Roth-IRAs-Do-More.aspx http://www.uwcu.org/Education/Articles/Articles/Roth-IRAs-Do-More.aspx Thu, 29 Mar 2007 10:37:19 GMT webmaster@uwcu.org (UW Credit Union) There’s been a lot of press lately regarding the housing market. Some markets in the US have seen price declines largely due to previously inflated pricing. (We haven’t seen the 1,200 sq. ft. ranch selling for $700,000 in Wisconsin.) Nonetheless, the housing market here is stable, and now is a great time to buy (or build) a home. Here’s why... http://www.uwcu.org/Education/Articles/Articles/Its-A-Great-Time-To-Buy-A-Home.aspx http://www.uwcu.org/Education/Articles/Articles/Its-A-Great-Time-To-Buy-A-Home.aspx Thu, 01 Mar 2007 15:53:42 GMT webmaster@uwcu.org (UW Credit Union) UW Credit Union has a gift for graduates with student loans: Consolidate your loans with us, reduce your monthly payments, and take advantage of the extra savings we provide. http://www.uwcu.org/Education/Articles/Articles/Graduation-Gift.aspx http://www.uwcu.org/Education/Articles/Articles/Graduation-Gift.aspx Thu, 01 Mar 2007 15:51:10 GMT webmaster@uwcu.org (UW Credit Union) As a parent or grandparent, you're probably looking for that perfect birthday or seasonal gift for the youngsters in your life. Wonder what they want or already have? Here is a solution. Consider helping them learn and have fun through saving and investing. http://www.uwcu.org/Education/Articles/Articles/Invest-In-Childs-Future.aspx http://www.uwcu.org/Education/Articles/Articles/Invest-In-Childs-Future.aspx Wed, 31 Jan 2007 11:09:05 GMT webmaster@uwcu.org (UW Credit Union) It's no surprise that very few New Year's resolutions make it past January. Yet year after year, “pay down debt” remains in the top 3 most popular goals. This year, resolve to make smart money management decisions throughout the year—and beyond. http://www.uwcu.org/Education/Articles/Articles/Money-Smart-Resolutions.aspx http://www.uwcu.org/Education/Articles/Articles/Money-Smart-Resolutions.aspx Wed, 31 Jan 2007 11:03:58 GMT webmaster@uwcu.org (UW Credit Union) Experts agree that it’s smart to save on your own to supplement your retirement income. An IRA offers an excellent means to save for your retirement. NCUA, the federal agency that insures credit union deposits, recently increased the insured amount of IRAs to $250,000! (Other deposit accounts are also insured up to $250,000.) http://www.uwcu.org/Education/Articles/Articles/IRA-Contributions-Tax-Law-Changes.aspx http://www.uwcu.org/Education/Articles/Articles/IRA-Contributions-Tax-Law-Changes.aspx Thu, 28 Dec 2006 16:06:04 GMT webmaster@uwcu.org (UW Credit Union) UW Credit Union takes extra steps to provide the highest level of Web site security. We employ the best that current technology offers. http://www.uwcu.org/Education/Articles/Articles/We-Protect-Your-Data.aspx http://www.uwcu.org/Education/Articles/Articles/We-Protect-Your-Data.aspx Tue, 31 Oct 2006 11:23:53 GMT webmaster@uwcu.org (UW Credit Union) Sometimes we DO call to verify account activity. http://www.uwcu.org/Education/Articles/Articles/When-We-Call-You.aspx http://www.uwcu.org/Education/Articles/Articles/When-We-Call-You.aspx Tue, 31 Oct 2006 11:23:53 GMT webmaster@uwcu.org (UW Credit Union) We have "general" and "at home" tips to help you minimize your risk to common scams. http://www.uwcu.org/Education/Articles/Articles/Fraud-Protection-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Fraud-Protection-Tips.aspx Tue, 31 Oct 2006 11:16:17 GMT webmaster@uwcu.org (UW Credit Union) From sea to shining sea. Every state has had consumers who have been scammed, and the numbers are growing. http://www.uwcu.org/Education/Articles/Articles/How-Widespread-Is-Fraud.aspx http://www.uwcu.org/Education/Articles/Articles/How-Widespread-Is-Fraud.aspx Tue, 31 Oct 2006 11:16:17 GMT webmaster@uwcu.org (UW Credit Union) A phishing e-mail appears as if it's from a familiar source, such as a merchant or financial institution. The e-mail asks consumers to verify their personal information or to click the embedded link. Vishing is similar but uses a telephone to gather personal information. UW Credit Union advises members never to respond to unsolicited e-mails or phone calls. http://www.uwcu.org/Education/Articles/Articles/Criminals-Get-Smarter-To-Outsmart-You.aspx http://www.uwcu.org/Education/Articles/Articles/Criminals-Get-Smarter-To-Outsmart-You.aspx Tue, 31 Oct 2006 11:16:17 GMT webmaster@uwcu.org (UW Credit Union) If your wallet is stolen today, would you know what to do? http://www.uwcu.org/Education/Articles/Articles/Criminals-Get-Smarter-To-Outsmart-You.aspx http://www.uwcu.org/Education/Articles/Articles/Criminals-Get-Smarter-To-Outsmart-You.aspx Tue, 31 Oct 2006 11:16:17 GMT webmaster@uwcu.org (UW Credit Union) This is no lie. The check really IS in the mail, but it's a phony. Every day hundreds of Americans are duped by one of these scams. http://www.uwcu.org/Education/Articles/Articles/The-Check-Is-In-The-Mail.aspx http://www.uwcu.org/Education/Articles/Articles/The-Check-Is-In-The-Mail.aspx Tue, 31 Oct 2006 11:13:24 GMT webmaster@uwcu.org (UW Credit Union) You should regularly review your credit report and report any inaccurate information. You are entitled to one free credit report every 12 months from each of the three credit reporting agencies. http://www.uwcu.org/Education/Articles/Articles/Credit-Reports.aspx http://www.uwcu.org/Education/Articles/Articles/Credit-Reports.aspx Tue, 31 Oct 2006 11:13:24 GMT webmaster@uwcu.org (UW Credit Union) There has been a rise in counterfeit cashier's check fraud, and many consumers have lost money because of it. http://www.uwcu.org/Education/Articles/Articles/Counterfeit-Checks-Can-Appear-Genuine.aspx http://www.uwcu.org/Education/Articles/Articles/Counterfeit-Checks-Can-Appear-Genuine.aspx Tue, 31 Oct 2006 11:09:19 GMT webmaster@uwcu.org (UW Credit Union) Rates are the lowest they've been in months. Whether you have an ARM that has just recently been reset to a higher rate or want to lock-in a lower rate, our fixed rate mortgages can save you money. http://www.uwcu.org/Education/Articles/Articles/Refinancing-Can-Lower-Your-Monthly-Payment.aspx http://www.uwcu.org/Education/Articles/Articles/Refinancing-Can-Lower-Your-Monthly-Payment.aspx Fri, 27 Oct 2006 08:50:37 GMT webmaster@uwcu.org (UW Credit Union) The Internal Revenue Service recently issued a consumer alert regarding a "tax refund" phishing scam. The e-mail appears to come from the IRS and promises the refund IF the consumer clicks the link and completes the form. http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-IRS-Refund-Scam.aspx http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-IRS-Refund-Scam.aspx Tue, 28 Feb 2006 13:15:47 GMT webmaster@uwcu.org (UW Credit Union) Two words: Home equity. It doesn't matter what your "additional" expenses are. The point is, your home equity line of credit is available when you need a little extra help. http://www.uwcu.org/Education/Articles/Articles/Two-Kids-In-Daycare.aspx http://www.uwcu.org/Education/Articles/Articles/Two-Kids-In-Daycare.aspx Thu, 23 Feb 2006 14:53:22 GMT webmaster@uwcu.org (UW Credit Union) UW Credit Union has found evidence that indicates our members are currently being targeted by a "phishing" attack. To avoid becoming a victim of this attack, we recommend that our members take the following actions. http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-January-2006.aspx http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-January-2006.aspx Fri, 20 Jan 2006 11:53:35 GMT webmaster@uwcu.org (UW Credit Union) "Fear Factor" fans, here's the challenge: Dine on crunchy cockroaches this evening or complete your tax return. If your first thought is to opt for the protein feast, rest assured you're not alone. Even the most skilled math major can benefit from tax preparation counseling. http://www.uwcu.org/pdf/Articles/crunch_time_Taxes_1205.pdf http://www.uwcu.org/pdf/Articles/crunch_time_Taxes_1205.pdf Wed, 14 Dec 2005 08:16:33 GMT webmaster@uwcu.org (UW Credit Union) Living with friends—or complete strangers—may be one of the biggest challenges you face in college. If you want peace among roommates, you’ll need to rely on some basic lessons you learned in preschool. Need a refresher? Read on. http://www.uwcu.org/pdf/Articles/sharing_roommates_bills_1105.pdf http://www.uwcu.org/pdf/Articles/sharing_roommates_bills_1105.pdf Mon, 12 Dec 2005 08:35:34 GMT webmaster@uwcu.org (UW Credit Union) Hopefully within a few years you’ll have some graduation money, tax returns, or extra cash saved up from part-time jobs. If you start now, you could become a millionaire without having to win a stupid game show. http://www.uwcu.org/pdf/Articles/ira_1105.pdf http://www.uwcu.org/pdf/Articles/ira_1105.pdf Mon, 12 Dec 2005 08:33:13 GMT webmaster@uwcu.org (UW Credit Union) If you’ve never seen your credit report, here’s why you should. The Federal Trade Commission reports that teens and adults younger than age 29 are the No. 1 target of identity thieves and make up almost one-third of the 10 million victims annually. http://www.uwcu.org/pdf/Articles/Credit_Report_1205.pdf http://www.uwcu.org/pdf/Articles/Credit_Report_1205.pdf Mon, 12 Dec 2005 08:30:57 GMT webmaster@uwcu.org (UW Credit Union) Identity thieves don't need a computer to steal identities. Personal information is often readily available elsewhere. Take this simple quiz and calculate your risk. http://www.uwcu.org/Education/Articles/Articles/Identity-Theft-Quiz.aspx http://www.uwcu.org/Education/Articles/Articles/Identity-Theft-Quiz.aspx Tue, 29 Nov 2005 14:49:07 GMT webmaster@uwcu.org (UW Credit Union) When you think spring does your mind wander to a warm place with hot coeds sipping drinks by the pool? Does that image then fade into big fat dollar signs? It doesn’t have to. There are ways to avoid emptying your pockets in search of the perfect spring break. http://www.uwcu.org/pdf/Articles/spring_break_budget_1105.pdf http://www.uwcu.org/pdf/Articles/spring_break_budget_1105.pdf Mon, 14 Nov 2005 10:31:51 GMT webmaster@uwcu.org (UW Credit Union) Phishing is a form of identity theft that has gained popularity among hackers and criminals. So named because they cast the bait via e-mail and if you bite by opening the attachments or clicking the links, they can lure your personal information from you. To avoid getting tangled in the net, follow these tips. http://www.uwcu.org/pdf/Articles/phishing_trip_0905.pdf http://www.uwcu.org/pdf/Articles/phishing_trip_0905.pdf Mon, 14 Nov 2005 10:30:05 GMT webmaster@uwcu.org (UW Credit Union) Time is money. And at this age it’s also on your side when it comes to investing and saving. The sooner you start, the wealthier you become because of compound interest, the money earned on your initial investments and the already accrued interest. http://www.uwcu.org/pdf/Articles/Investments_1005.pdf http://www.uwcu.org/pdf/Articles/Investments_1005.pdf Mon, 14 Nov 2005 10:27:52 GMT webmaster@uwcu.org (UW Credit Union) Have you ever been the victim of identity theft? Guard your personal information more fiercely than the last slice of pizza at bar time in a roomful of hungry roommates. http://www.uwcu.org/pdf/Articles/Dangerous_Disclosures1005.pdf http://www.uwcu.org/pdf/Articles/Dangerous_Disclosures1005.pdf Mon, 14 Nov 2005 10:23:58 GMT webmaster@uwcu.org (UW Credit Union) A philosopher once said, "Kids, there's a time and a place for everything, and it’s called college." Even if you've never heard this, you’ve surely heard something similar: "College is the best time of your life." And who can disagree? Nowhere else do you have as much free time to meet, hang out, and party with vivacious, young co-eds. But paradise comes with a price--and it’s not cheap. To keep the party going, let’s talk about how to pay for living the dream. http://www.uwcu.org/pdf/Articles/College_Expenses_0905.pdf http://www.uwcu.org/pdf/Articles/College_Expenses_0905.pdf Mon, 14 Nov 2005 10:17:42 GMT webmaster@uwcu.org (UW Credit Union) Sick of moving every year, trying to find an apartment conducive to partying and studying? Students are always on the prowl for the perfect place to call home. Here are some tips to ease the stress of finding your next--and hopefully last--college apartment. http://www.uwcu.org/pdf/Articles/Apartment_Hunting_1105.pdf http://www.uwcu.org/pdf/Articles/Apartment_Hunting_1105.pdf Mon, 14 Nov 2005 10:13:48 GMT webmaster@uwcu.org (UW Credit Union) UW Credit Union has found evidence that indicates our members are currently being targeted by a "phishing" attack. To avoid becoming a victim of this attack, we recommend that our members take the following actions. http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-November-2005.aspx http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-November-2005.aspx Tue, 08 Nov 2005 09:10:59 GMT webmaster@uwcu.org (UW Credit Union) Analysts expect another strong year for home sales. Historically, spring is the best time to sell houses. If you plan to sell, make sure you're ready before you list your home. http://www.uwcu.org/Education/Articles/Articles/Home-Sales.aspx http://www.uwcu.org/Education/Articles/Articles/Home-Sales.aspx Tue, 01 Nov 2005 11:46:19 GMT webmaster@uwcu.org (UW Credit Union) The #1 fraud protection takes just a second to implement and is totally free. Never respond to an unsolicited e-mail. http://www.uwcu.org/Education/Articles/Articles/Number-One-Fraud-Protection.aspx http://www.uwcu.org/Education/Articles/Articles/Number-One-Fraud-Protection.aspx Fri, 23 Sep 2005 08:39:38 GMT webmaster@uwcu.org (UW Credit Union) UW Credit Union has found evidence that indicates our members are currently being targeted by a "phishing"* attack. To avoid becoming a victim of this attack, we recommend that our members take the following actions. http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-September-2005.aspx http://www.uwcu.org/Education/Articles/Articles/Phishing-Alert-September-2005.aspx Tue, 06 Sep 2005 08:39:38 GMT webmaster@uwcu.org (UW Credit Union) Sign your Visa card and help prevent fraud. Unsigned cards are considered invalid and could help criminals. http://www.uwcu.org/Education/Articles/Articles/Sign-Your-Visa-Card.aspx http://www.uwcu.org/Education/Articles/Articles/Sign-Your-Visa-Card.aspx Fri, 22 Jul 2005 12:26:32 GMT webmaster@uwcu.org (UW Credit Union) Heightened awareness of the June 17 card number theft has paved the way for another phishing scam. Spammers have sent mass phishing e-mails and letters to consumers referencing the June fraud incident and asking readers to "confirm" personal information. http://www.uwcu.org/Education/Articles/Articles/Fraud-Alert-July-2005.aspx http://www.uwcu.org/Education/Articles/Articles/Fraud-Alert-July-2005.aspx Fri, 08 Jul 2005 14:33:33 GMT webmaster@uwcu.org (UW Credit Union) Managing money may not come naturally, but it does pay off. Here are 10 surefire ways to start you on the path to financial security. http://www.uwcu.org/pdf/Articles/10_Cash_Tips_1005.pdf http://www.uwcu.org/pdf/Articles/10_Cash_Tips_1005.pdf Tue, 28 Jun 2005 09:03:18 GMT webmaster@uwcu.org (UW Credit Union) If you're not sure how much car payment you can afford, pick an amount and take it for a test drive. Use our calculator to compute how much you'll likely pay for a vehicle loan each month, and set aside this amount in a savings account. You can set up an automatic transfer, or transfer the money yourself using Web Branch. Either way, you'll know whether you can live without this amount. You'll build up a down payment too! http://www.uwcu.org/Education/Articles/Articles/Test-Drive-Your-Car-Payment.aspx http://www.uwcu.org/Education/Articles/Articles/Test-Drive-Your-Car-Payment.aspx Thu, 26 May 2005 09:12:52 GMT webmaster@uwcu.org (UW Credit Union) Following are pros and cons of renting an apartment versus buying a home. If you're ready to buy, come to UW Credit Union. We'll help you choose the home loan that's perfect for your situation. Then it's up to you to pick the perfect home! http://www.uwcu.org/Education/Articles/Articles/Rent-Or-Own.aspx http://www.uwcu.org/Education/Articles/Articles/Rent-Or-Own.aspx Thu, 26 May 2005 09:09:15 GMT webmaster@uwcu.org (UW Credit Union) Beginning March 1, 2005, Wisconsin residents can request a free credit report to review their credit accounts and identify any inaccuracies. http://www.uwcu.org/Education/Articles/Articles/Free-Credit-Reports-For-Wisconsin-Residents.aspx http://www.uwcu.org/Education/Articles/Articles/Free-Credit-Reports-For-Wisconsin-Residents.aspx Tue, 29 Mar 2005 13:59:39 GMT webmaster@uwcu.org (UW Credit Union) This e-mail scam asks unsuspecting consumers to become an Account Manager or Transfer Agent for a third party, usually someone in an ex-Soviet bloc country. http://www.uwcu.org/Education/Articles/Articles/Dont-Be-Duped-By-The-Acount-Manager-Scam.aspx http://www.uwcu.org/Education/Articles/Articles/Dont-Be-Duped-By-The-Acount-Manager-Scam.aspx Tue, 29 Mar 2005 11:03:07 GMT webmaster@uwcu.org (UW Credit Union) Ever wonder where all your money goes? Track your daily spending using this handy tool. http://www.uwcu.org/pdf/Articles/Daily_budget_worksheet.pdf http://www.uwcu.org/pdf/Articles/Daily_budget_worksheet.pdf Tue, 25 Jan 2005 13:32:12 GMT webmaster@uwcu.org (UW Credit Union) When you make a hotel reservation, be sure to use your UW Credit Union credit card and document the hotel's cancellation policy... http://www.uwcu.org/Education/Articles/Articles/Hotel-No-Shows.aspx http://www.uwcu.org/Education/Articles/Articles/Hotel-No-Shows.aspx Tue, 25 Jan 2005 13:29:32 GMT webmaster@uwcu.org (UW Credit Union) With a camera phone, it takes just a second for a bystander to take a snapshot of your card... http://www.uwcu.org/Education/Articles/Articles/Credit-Card-Scam-Camera-Phone.aspx http://www.uwcu.org/Education/Articles/Articles/Credit-Card-Scam-Camera-Phone.aspx Mon, 27 Dec 2004 13:14:42 GMT webmaster@uwcu.org (UW Credit Union) If you travel outside the U.S. Make sure your passport and Visa® card is up to date. A passport that expires within six months may prevent you from going anywhere. http://www.uwcu.org/Education/Articles/Articles/Renew-Your-Passport-and-Visa-Credit-Cards.aspx http://www.uwcu.org/Education/Articles/Articles/Renew-Your-Passport-and-Visa-Credit-Cards.aspx Mon, 27 Dec 2004 13:00:00 GMT webmaster@uwcu.org (UW Credit Union) As a unique service, we added ID Theft Coverage to all our Visa credit cards to help you recoup costs due to identity theft. http://www.uwcu.org/Education/Articles/Articles/ID-Theft-Coverage-On-UW-Credit-Union-Credit-Cards.aspx http://www.uwcu.org/Education/Articles/Articles/ID-Theft-Coverage-On-UW-Credit-Union-Credit-Cards.aspx Fri, 17 Dec 2004 11:42:11 GMT webmaster@uwcu.org (UW Credit Union) Consumers everywhere are routinely accessing their credit reports as part of their overall financial management. Some keep track of open lines of credit, credit limits, and rates, while others review credit reports to safeguard against identity fraud. In any case, the growing demand for credit reports has resulted in more report options for you. http://www.uwcu.org/Education/Articles/Articles/Credit-Reports.aspx http://www.uwcu.org/Education/Articles/Articles/Credit-Reports.aspx Fri, 17 Dec 2004 11:39:08 GMT webmaster@uwcu.org (UW Credit Union) In this telephone scam, the caller claims to represent Great Lakes Higher Education Corporation or one of their affiliates. The student is asked to provide their mailing address, phone number, and bank account information "so scholarship funds can be expedited." This is similar to a scam that occurred several months ago in which the solicitor claimed to represent the U.S. Department of Education. http://www.uwcu.org/Education/Articles/Articles/Fraudulent-Scholarship-Scam.aspx http://www.uwcu.org/Education/Articles/Articles/Fraudulent-Scholarship-Scam.aspx Wed, 24 Nov 2004 11:43:33 GMT webmaster@uwcu.org (UW Credit Union) Are you ready to take the plunge and buy your first home? If so, you're not alone. We've helped thousands of people get their first home. With today's low mortgage rates, home ownership is a lot more affordable than you may think. But buying a home isn't right for everyone. Let's examine the details. http://www.uwcu.org/Education/Articles/Articles/Rent-Or-Own.aspx http://www.uwcu.org/Education/Articles/Articles/Rent-Or-Own.aspx Mon, 25 Oct 2004 11:45:05 GMT webmaster@uwcu.org (UW Credit Union) Criminals are using sophisticated techniques to counterfeit cashier's checks and money orders. Consumers trust these items because they appear official, assuming the money is theirs once the check is deposited. Not true. When an item is returned as counterfeit, the money was "never really in your account," and the amount is then deducted from your account balance. Protect your accounts by being aware of the warning signs. http://www.uwcu.org/Education/Articles/Articles/Beware-Of-Fraudulent-Cashiers-Checks.aspx http://www.uwcu.org/Education/Articles/Articles/Beware-Of-Fraudulent-Cashiers-Checks.aspx Thu, 09 Sep 2004 11:44:47 GMT webmaster@uwcu.org (UW Credit Union) Use this budget worksheet to help you track your spending. (PDF) http://www.uwcu.org/pdf/Articles/budget_worksheet.pdf http://www.uwcu.org/pdf/Articles/budget_worksheet.pdf Mon, 26 Jul 2004 12:27:54 GMT webmaster@uwcu.org (UW Credit Union) The Federal Trade Commission (FTC) warns Internet users not to be fooled by phony e-mails or Web sites claiming to be a national "Do Not E-Mail" registry. There is no such registry. Criminals are attempting to collect consumers' personal information for identity theft purposes, or to collect valid e-mail addresses to sell to spammers. http://www.uwcu.org/Education/Articles/Articles/Phony-Do-Not-Email-Registry.aspx http://www.uwcu.org/Education/Articles/Articles/Phony-Do-Not-Email-Registry.aspx Fri, 23 Jul 2004 11:44:32 GMT webmaster@uwcu.org (UW Credit Union) Canceling a few barely used credit cards may seem like a smart move, but it could actually hurt your credit score. Sometimes more really is better. The trick is to know when. http://www.uwcu.org/Education/Articles/Articles/Cancelling-Unused-Credit-Could-Diminish-Your-Score.aspx http://www.uwcu.org/Education/Articles/Articles/Cancelling-Unused-Credit-Could-Diminish-Your-Score.aspx Fri, 23 Jul 2004 11:39:39 GMT webmaster@uwcu.org (UW Credit Union) Search online for colleges that meet your personal objectives, using wiredscholar.com. Simply logon and record your personal preferences. The site will generate a list of up to 15 colleges that best match your criteria. You can change your personal profile as often as you wish. There are also tips on preparing for college, paying for it, and how to decide which one to attend. http://www.uwcu.org/Education/Articles/Articles/College-Search-And-More.aspx http://www.uwcu.org/Education/Articles/Articles/College-Search-And-More.aspx Fri, 23 Jul 2004 11:37:56 GMT webmaster@uwcu.org (UW Credit Union) When packing for a trip, less is more. Pack half as much as you can carry, and bring twice as much money as you think you’ll need. Of course you don’t need to carry twice as much money. But you should have it accessible in case you need it. http://www.uwcu.org/Education/Articles/Articles/Travel-Money.aspx http://www.uwcu.org/Education/Articles/Articles/Travel-Money.aspx Fri, 02 Jul 2004 11:31:37 GMT webmaster@uwcu.org (UW Credit Union) Take control of your financial future by implementing a spending plan now. Where does your money go? Knowing how you spend money will help you budget. That's where UW Credit Union can help. We provide a free, online summary of your credit card spending. http://www.uwcu.org/Education/Articles/Articles/Get-A-Handle-On-Your-Spending.aspx http://www.uwcu.org/Education/Articles/Articles/Get-A-Handle-On-Your-Spending.aspx Fri, 02 Jul 2004 09:57:04 GMT webmaster@uwcu.org (UW Credit Union) Whether you're hiring a professional moving company or recruiting a few of your best friends, you'll want to consider the following items before, during, and after moving day. Some are important legal matters, so the sooner you cross them off your list, the better. Best of luck with your big move! http://www.uwcu.org/Education/Articles/Articles/Moving-Day.aspx http://www.uwcu.org/Education/Articles/Articles/Moving-Day.aspx Thu, 01 Jul 2004 11:45:27 GMT webmaster@uwcu.org (UW Credit Union) Consumers who use direct deposit and make electronic payments are reducing their risk for identity theft, according to a recent study by the Electronic Payments Association. The study found that these electronic methods deter identity theft, because the payments cannot be lost or stolen in the mail. In addition, consumers who use e-payments save the equivalent of three days a year by not waiting in line or writing and mailing checks. E-payments also help consumers avoid late payment fees. http://www.uwcu.org/Education/Articles/Articles/Direct-Deposit-And-E-Transfers-Help-Prevent-Identity-Fraud.aspx http://www.uwcu.org/Education/Articles/Articles/Direct-Deposit-And-E-Transfers-Help-Prevent-Identity-Fraud.aspx Mon, 28 Jun 2004 11:41:56 GMT webmaster@uwcu.org (UW Credit Union) A fraud scam called "phishing" has been around for awhile but has recently gained national attention because of the damage it can cause. Here's how it works: A thief sends an e-mail that appears to come from a company with which the victim does business. This e-mail typically asks the customer to "confirm" their personal account information by responding with their account numbers, personal information and passwords. These details are then used by the thief to steal the victim's identity. http://www.uwcu.org/Education/Articles/Articles/Phishing-For-Personal-Information.aspx http://www.uwcu.org/Education/Articles/Articles/Phishing-For-Personal-Information.aspx Mon, 28 Jun 2004 11:41:16 GMT webmaster@uwcu.org (UW Credit Union) Identity theft is the nation’s fastest growing crime. Each year thieves make off with millions of dollars and leave behind a paper mess that can take the victim months or years to untangle. http://www.uwcu.org/Education/Articles/Articles/Protect-Yourself-Against-Identity-Fraud.aspx http://www.uwcu.org/Education/Articles/Articles/Protect-Yourself-Against-Identity-Fraud.aspx Fri, 25 Jun 2004 11:40:17 GMT webmaster@uwcu.org (UW Credit Union) Conversions from traditional to a Roth IRA; Factors to discuss with a tax adviser before choosing an IRA; more http://www.uwcu.org/Education/Articles/Articles/Roth-And-Traditional-IRAs.aspx http://www.uwcu.org/Education/Articles/Articles/Roth-And-Traditional-IRAs.aspx Fri, 28 May 2004 09:53:54 GMT webmaster@uwcu.org (UW Credit Union) The credit scoring system was created more than 100 years ago but didn't become prevalent until the 1980's. That's when lenders began using it to evaluate a potential borrower's creditworthiness. Today, credit scoring is also used by insurers, landlords, employers, utility companies and even judges to evaluate payment behavior. http://www.uwcu.org/Education/Articles/Articles/Credit-Score-History.aspx http://www.uwcu.org/Education/Articles/Articles/Credit-Score-History.aspx Fri, 21 May 2004 11:38:37 GMT webmaster@uwcu.org (UW Credit Union) What's your pleasure-a secluded wilderness, athletic complex, or child's park? Turn your back yard into your version of paradise, with a little help from UW Credit Union. http://www.uwcu.org/Education/Articles/Articles/Create-Your-Own-Backyard-Paradise.aspx http://www.uwcu.org/Education/Articles/Articles/Create-Your-Own-Backyard-Paradise.aspx Wed, 19 May 2004 11:53:05 GMT webmaster@uwcu.org (UW Credit Union) Picking mutual funds requires strong analysis and experience, according to First Business Trust & Investment Services (FBTIS), UW Credit Union's partner offering investments products and Trust accounts. http://www.uwcu.org/Education/Articles/Articles/How-Do-Successful-Investors-Pick-Mutual-Funds.aspx http://www.uwcu.org/Education/Articles/Articles/How-Do-Successful-Investors-Pick-Mutual-Funds.aspx Wed, 14 Apr 2004 11:35:44 GMT webmaster@uwcu.org (UW Credit Union) Kids learn many things in school, but it's up to you to cover financial basics. Set an example for your kids in the way you spend and save. Your good money handling will rub off on them. Discuss financial matters openly so kids get the sense that communicating about money is good. Here are a few topics you'll want to cover. http://www.uwcu.org/Education/Articles/Articles/Teach-Kids-By-Setting-A-Good-Example.aspx http://www.uwcu.org/Education/Articles/Articles/Teach-Kids-By-Setting-A-Good-Example.aspx Wed, 14 Apr 2004 11:35:09 GMT webmaster@uwcu.org (UW Credit Union) To avoid common money management mistakes, take time to create a spending plan. The budget worksheet below will guide you through the items you need to track. http://www.uwcu.org/Education/Articles/Articles/College-Spending-Plan.aspx http://www.uwcu.org/Education/Articles/Articles/College-Spending-Plan.aspx Thu, 25 Mar 2004 11:33:23 GMT webmaster@uwcu.org (UW Credit Union) Packrats and tossers can finally agree on what records to keep and what to discard. Use the chart below to help you decide what to keep and for how long. To help prevent theft, be sure to shred any unwanted documents that contain personal information, such as your name, address, and account numbers. http://www.uwcu.org/Education/Articles/Articles/Should-I-Stay-Or-Should-I-Go.aspx http://www.uwcu.org/Education/Articles/Articles/Should-I-Stay-Or-Should-I-Go.aspx Fri, 20 Feb 2004 11:34:18 GMT webmaster@uwcu.org (UW Credit Union) In this example credit card scam, the thief calls unsuspecting cardholders posing as a Visa or mc official. Below is an example of what the caller might say. If you get a call that sounds similar to the one detailed below, hang up. Neither UW Credit Union nor Visa would call to ask for information printed on your card, we already have it. http://www.uwcu.org/Education/Articles/Articles/Phone-Call-Credit-Card-Scam.aspx http://www.uwcu.org/Education/Articles/Articles/Phone-Call-Credit-Card-Scam.aspx Thu, 29 Jan 2004 11:44:06 GMT webmaster@uwcu.org (UW Credit Union) Experts have identified several common credit card tricks played by card issuers. UW Credit Union doesn't play these games. To avoid these card tricks, switch to a UW Credit Union Visa® credit card. Things to watch for: http://www.uwcu.org/Education/Articles/Articles/Avoid-Common-Card-Tricks.aspx http://www.uwcu.org/Education/Articles/Articles/Avoid-Common-Card-Tricks.aspx Wed, 28 Jan 2004 09:45:38 GMT webmaster@uwcu.org (UW Credit Union) In today's market it pays to get pre-approved for a loan before you begin shopping. You'll learn how much home you can afford and you'll be ready to move fast when you want to make an offer. http://www.uwcu.org/Education/Articles/Articles/Mortgage-Loans-Get-Approved.aspx http://www.uwcu.org/Education/Articles/Articles/Mortgage-Loans-Get-Approved.aspx Fri, 19 Dec 2003 09:42:42 GMT webmaster@uwcu.org (UW Credit Union) When car shopping at a dealership, ask if the dealer requires an Arbitration Agreement. This legal document takes away the buyer's rights if they have any problems with that dealership. These agreements are new and are being used at about half the dealerships in the U.S. If the dealer requires this agreement, shop elsewhere. http://www.uwcu.org/Education/Articles/Articles/Dont-Sign-Arbitration-Agreements.aspx http://www.uwcu.org/Education/Articles/Articles/Dont-Sign-Arbitration-Agreements.aspx Thu, 18 Dec 2003 09:41:06 GMT webmaster@uwcu.org (UW Credit Union) When using an automated teller machine (ATM), it’s important to take precautions. http://www.uwcu.org/Education/Articles/Articles/ATM-Safety-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/ATM-Safety-Tips.aspx Fri, 12 Dec 2003 11:40:54 GMT webmaster@uwcu.org (UW Credit Union) Your UW Credit Union Visa® cards are convenient, versatile, and safe to use. Our secure processing means you can count on accurate transactions, 24/7, worldwide. To help ensure your accounts remain safe, remember the following safety tips. http://www.uwcu.org/Education/Articles/Articles/Credit-And-Debit-Card-Safety-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Credit-And-Debit-Card-Safety-Tips.aspx Fri, 12 Dec 2003 11:40:32 GMT webmaster@uwcu.org (UW Credit Union) Looking for ways to save money, manage finances, and avoid debt troubles? Following are tips for college students. Non-students may glean some useful information from these ideas too! http://www.uwcu.org/Education/Articles/Articles/Savings-Tips-For-College-Students-And-Others.aspx http://www.uwcu.org/Education/Articles/Articles/Savings-Tips-For-College-Students-And-Others.aspx Fri, 12 Dec 2003 11:32:50 GMT webmaster@uwcu.org (UW Credit Union) Shopping in the virtual world is different than shopping in the real world, but you still must protect your "wallet" just like you do when you carry it. Here’s what you need to know to protect yourself—and to get the best bargains. http://www.uwcu.org/Education/Articles/Articles/Shop-Online-Wisely-With-Visa.aspx http://www.uwcu.org/Education/Articles/Articles/Shop-Online-Wisely-With-Visa.aspx Wed, 10 Dec 2003 11:56:39 GMT webmaster@uwcu.org (UW Credit Union) The UW Credit Union Visa Platinum credit card provides more benefits than most other platinum cards. We’ve added Visa’s Concierge Service—at no additional cost to you. http://www.uwcu.org/Education/Articles/Articles/Visa-Platinum-With-Concierge-Services.aspx http://www.uwcu.org/Education/Articles/Articles/Visa-Platinum-With-Concierge-Services.aspx Fri, 05 Dec 2003 11:57:05 GMT webmaster@uwcu.org (UW Credit Union) Con artists are at it again. This time they're posing as credit unions and convincing members to give them deposits and personal information. http://www.uwcu.org/Education/Articles/Articles/Fraud-Alert-UW-Credit-Union-Impersonators.aspx http://www.uwcu.org/Education/Articles/Articles/Fraud-Alert-UW-Credit-Union-Impersonators.aspx Mon, 24 Nov 2003 11:43:51 GMT webmaster@uwcu.org (UW Credit Union) These online resources can help guide you through the home-buying process: http://www.uwcu.org/Education/Articles/Articles/Home-Buying-Tips.aspx http://www.uwcu.org/Education/Articles/Articles/Home-Buying-Tips.aspx Thu, 02 Oct 2003 11:45:53 GMT webmaster@uwcu.org (UW Credit Union) When buying a car, it’s important to buy the safest, highest quality and most reliable vehicle for your money. The following Web sites provide information you need to shop confidently and land a good deal. http://www.uwcu.org/Education/Articles/Articles/Shop-Smart-For-Your-Next-Car.aspx http://www.uwcu.org/Education/Articles/Articles/Shop-Smart-For-Your-Next-Car.aspx Thu, 02 Oct 2003 11:37:35 GMT webmaster@uwcu.org (UW Credit Union) When you deposit your money in a UW Credit Union account, your funds are insured by the National Credit Union Administration (NCUA) up to $100,000—maybe more depending on your account ownership. http://www.uwcu.org/Education/Articles/Articles/Savings-Accounts-Are-Insured-By-NCUA.aspx http://www.uwcu.org/Education/Articles/Articles/Savings-Accounts-Are-Insured-By-NCUA.aspx Thu, 02 Oct 2003 11:32:18 GMT webmaster@uwcu.org (UW Credit Union) College costs rise every year. Once you know your student's expected expenses, you may want to look into loan options. Federal and private loans can help make higher education affordable. And the interest paid may be tax-deductible. http://www.uwcu.org/Education/Articles/Articles/Student-Loan-Options.aspx http://www.uwcu.org/Education/Articles/Articles/Student-Loan-Options.aspx Fri, 26 Sep 2003 11:33:44 GMT webmaster@uwcu.org (UW Credit Union) Saving money isn’t easy. First you have to consider all your obligations—credit cards, student loans, rent or mortgage, daycare, insurance. And this doesn’t begin to consider your household expenses, like food, cell phones, and that breathtaking wardrobe. So where do you begin to save? http://www.uwcu.org/Education/Articles/Articles/Are-You-Saving-Enough.aspx http://www.uwcu.org/Education/Articles/Articles/Are-You-Saving-Enough.aspx Wed, 23 Jul 2003 11:32:37 GMT webmaster@uwcu.org (UW Credit Union) When it comes to auto loans, you’re better off coming to UW Credit Union for the loan rather than financing through a dealer and passing up a hefty rebate. Here’s why. http://www.uwcu.org/Education/Articles/Articles/Zero-Percent-Rate-Vs-Cash-Rebate.aspx http://www.uwcu.org/Education/Articles/Articles/Zero-Percent-Rate-Vs-Cash-Rebate.aspx Fri, 28 Mar 2003 11:37:00 GMT webmaster@uwcu.org (UW Credit Union) Tip #1: Organize Your Records - Assemble and sort your records to help you quickly locate needed information. Document your income, deductible expenses, tax payments and direct deposit information. See IRS Publication 552, "Recordkeeping for Individuals." http://www.uwcu.org/Education/Articles/Articles/Five-Tips-To-Ease-Tax-Preparation.aspx http://www.uwcu.org/Education/Articles/Articles/Five-Tips-To-Ease-Tax-Preparation.aspx Thu, 27 Feb 2003 11:11:58 GMT webmaster@uwcu.org (UW Credit Union) Looking for gifts that fit your budget? Here are a few ideas: http://www.uwcu.org/Education/Articles/Articles/Gift-Ideas-Under-20-Dollars.aspx http://www.uwcu.org/Education/Articles/Articles/Gift-Ideas-Under-20-Dollars.aspx Sun, 23 Feb 2003 11:53:55 GMT webmaster@uwcu.org (UW Credit Union)