SIU Credit Union Blog

Be Smart About Social Networking

200395451-001Facebook reports having more than 1 billion active users, with more than 50%—that’s 618 million users—logging on daily. Twitter has more than 500 million registered users, and LinkedIn has more than 225 million members worldwide.

There is no denying that social media use has exploded. It makes sense to be online. But it comes with a price—your privacy.

A 2012 survey of 2,303 hiring managers and human resource professionals by CareerBuilder.com found that 37% of employers use social networks to screen job candidates. A third of employers who scanned social media reported finding content that made them disqualify a candidate—half of them cited inappropriate photos and information as the reason.

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Avoid Buying a Flood-Damaged Car

 

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With hurricanes and other big rain storms in recent years causing serious flooding from Vermont to Oregon, a potential issue arises for used car buyers even if they live nowhere near the floods. If you are a used-car buyer, be careful not to buy a car that has been flooded.

After 2011′s Hurricane Irene, the National Insurance Crime Bureau (NICB), Des Plaines, Ill., calculated from its insurance company members that nearly 11,800 claims were filed for auto damage from flooding. Unscrupulous car wholesalers often will ship flooded cars to another state where they hope to avoid admitting they have been in a flood.

Flooding can harm a car’s electronic, mechanical, or other systems with potentially dire consequences like disabling air bags. It may affect the interior lights, the audio system, or the climate control. But much of this damage is not obvious in a cursory inspection once the car has been cleaned up.

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Security Breaches: What You Need to Know

The card services department at SIU Credit Union takes retailer security breaches very seriously and gives priority to the security of your account information.

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Recently, several retailers have been in the news regarding potential card data breaches. One company, Home Depot, has confirmed that a data breach occurred on their payment systems in their stores in the United States and Canada and dates back to April 2014.  Because the Home Depot breach could include a large number of cards and may impact many SIU Credit Union members, we wanted to share some facts and provide tips on how to be proactive in protecting yourself.

If your SIU Credit Union debit or credit card has been affected by the Home Depot breach, we will be mailing the account holder a letter explaining when your current card will automatically be shut down and when to expect a new card. If you can, we recommend calling us as soon as possible to shut down your current card to avoid any fraudulent activity.

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Practical Ways to Save Money

When you’re on a mission to save money it might seem it will take forever for savings to grow. Saving money often starts with changing “spending” habits. Once you identify your savings goal or goals, here are some ideas that can help.

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Get cooperation from family—Controlling spending starts with you but, if you have a spouse or children, it’s essential to have buy-in from family members to make it work. Talk with your partner first, then involve your kids.

Discuss money management as a couple—Get organized, put goals and details in writing, and schedule a money management meeting. Also: Continue reading

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Somethin’ ‘Bout a Truck: Picking the Right Pickup

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If you farm or are in the construction or mining industry, you need the hauling capacity of a pickup, but you may want a pickup for personal use as well.

If you’re in the market for a pickup truck, but want to make sure you get one with the best possible gas mileage that fits your needs, consider the three best-selling choices in the U.S. market. Here’s what magazine and website reviewers have to say about their comparative pros and cons:

Ford F-150

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Pitfalls for the Online Job Hunter

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Today’s economy, so unrewarding for job hunters, is a boon to con artists. They have a larger and more desperate pool of potential victims than they have had in 20 years.

The Internet, awash with electronic résumés, is prime hunting ground for many job cons. Most employment services are reputable, and the Web can be a useful job search tool. But it pays to know the good guys from the bad guys and how to protect yourself from job scams, especially those online.

The worst crime employment or personnel agencies might commit is to entice you to their office with an ad for a promising but nonexistent job. Other businesses make grand promises–access to “unadvertised job opportunities” and jobs with six-figure salaries. But watch out! The bigger the bait, the higher the cost of the deception.

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