A financial crisis can throw even the best money management plan into chaos. This session focuses on ways to gain control of a crisis. Participants will learn about financial assessments, expense prioritization, and effective negotiation with creditors. Join us for one of two free, educational webinars. Anyone can attend and the recordings will be available [...]
5 key financial basics for teens One of the most powerful things for your teen to be able to do is to track where their money goes, and that starts with budgeting. Before your teen leaves home, they should know how to create a budget how to track spending, and how to save for the [...]
Mobile Device Security Everywhere you look you see people of all ages utilizing smartphones, tablets, laptops, and other devices to thrive in an online, connected world. Utilizing these devices for work and for pleasure can be extremely convenient and entertaining, but these benefits can come at a very high price if leveraged by a cyber-criminal [...]
A Guide to Successful Cyber Hygiene Admittedly, when you hear the term cyber hygiene for the first time you probably have one of two reactions: 1) You have a sudden urge to disinfect your keyboard and mouse, or 2) personal hygiene habits come to mind. In truth, it's closer to the latter. Cyber hygiene generally [...]
If you’ve seen someone wave their phone at a gas pump or tap their smartwatch on the credit card terminal to buy a latte, you’ve seen a mobile wallet in action. You may have even used PayPal to buy something online or Zelle to send money to a friend without realizing you were using a [...]
Classic warning signs of possible fraud and scams There are several signs that indicate you might be dealing with a scammer. They include contact from someone: Calling or emailing you, claiming to be from the government and asking you to pay money. Asking you to pay money or taxes upfront to receive a prize or [...]
Fraud & Scam Resources Losing money or property to scams and fraud can be devastating. But there are many resources to help you prevent, recognize, and report scams and fraud. The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. [...]
Fraud and Scams Glossary Want to learn more? Visit the CFPB online. Elder financial exploitation Elder financial exploitation is the illegal or improper use of an older adult’s funds, property, or assets. It is the most common form of elder abuse, but only a small fraction of incidents are reported.The perpetrators can be strangers who [...]
Tips to Prevent Identity Theft There are many ways to protect your private information from fraud. Though some tasks take a bit of effort, be aware that cleaning up the mess identity thieves leave behind is far more difficult and time-consuming. Credit reports Periodically check your credit report from each of the three major credit [...]
Consumer Rights & Responsibilities Since thieves prey on those who have not taken preventative measures, it is up to you to be careful with all of your identification and financial information. For maximum security, make safety a family affair. Limit and monitor children’s access to the Internet and online transactions, have a designated person collect [...]
Identity Theft Resources If you are a victim of identity theft, understand that minimizing damage will take patience and a systematic approach. However, the sooner and more aggressively you deal with the problem, the faster you will see results. To start, commit yourself to becoming and remaining organized. Since you will be communicating with a [...]
Online Banking is Up! Login Here: https://bit.ly/GCFCU Need help with your accounts? Member Support Call or text (918) 245-1301 or email: [email protected] Mobile Banking App - Apple devices Mobile Banking App - Android devices Text Alerts - Text commands to 71806 'BAL' - Balance 'HIST + account nickname' - Most recent days' transactions 24/hour [...]
Webinar: Score a better future | credit basics with FICO Friday, April 23 @ 11:00 a.m. (CST) We all have financial goals but knowing how to get there can be a challenge. Don’t understand how credit scores impact your financial health, or know your FICO® Score? We want to help! In celebration of Financial Literacy [...]
3 Ways to Teach Kids Good Money Habits Spend, Save and Share Jars Many parents teach their kids the value of hard work by paying them for chores. You can take this a step further by talking about what they can do with their hard-earned cash. Get three jars and add the label spend, save [...]
Links to Forgiveness Applications FORM 3508S FORM 3508-EZ FORM 3508 Forgiveness conditions of the Paycheck Protection Program The funds from your PPP loan can be used for the following purposes: Payroll—salary, wage, vacation, parental, family, medical, or sick leave, health benefits Mortgage interest—as long as the mortgage was signed [...]
Am I eligible for the new round of PPP? Companies with 300 or fewer employees who suffered a 25% drop in any quarter’s revenue from 2019 to 2020 are eligible for the second round of PPP. This means a 25% or more reduction in gross income from any quarter in 2020 relative to that same [...]
Need pandemic assistance for your small business? Here's a rundown of several economic relief programs that are available. Despite the improved numbers for new cases and deaths compared to the peak of the pandemic, COVID-19 continues to have an outsized impact on small businesses. The passage and signing of the American Rescue Plan Act in [...]
Teen checking account – 4 tips to keep in mind A checking account can help teach your teen important money basics. Get them started in high school to help them learn money management at an early age. You may have opened a savings account for your children as a way to sock away money [...]
Teens and Money: Checking and Savings Account One of the first steps toward real freedom (and adulthood) is having a checking and savings account in your own name. These accounts allow you to save money, make purchases, and pay bills efficiently. Both, however, require you to take an active management role, so that you can [...]
Money Missteps - A Great Thing to Happen to a Kid? You Spent Your Money on What?! Any parent with a child old enough to have control over money has probably at least thought that, if not shouted it across a dinner table. While the outrage at a teenager spending an entire pile of birthday [...]
Teens & Money Podcast Do you have 10 minutes? Listen to our quick podcast: teens and money. We're covering things like making a budget, setting goals, buying a car, and credit cards. Can't listen today? Download the transcript here.
