en-us Foolproof InformationEdge - Cecil County School Employees Federal Credit Union http://ie.foolproofonline.info/ccsefcu/ A youth website to engage young people in consumer issues. Sun, 19 Nov 2017 18:05:27 -0600 Sun, 19 Nov 2017 18:05:27 -0600 Copyright 2002-2017 FoolProof Financial Education Inc. niels@foolproofhq.com http://ie.foolproofonline.info/ccsefcu/ Foolproof InformationEdge - Cecil County School Employees Federal Credit Union /common/cu_files/10.jpg 60 60 Foolproof InformationEdge - Cecil County School Employees Federal Credit Union Before You Start Your Holiday Shopping Read This http://ie.foolproofonline.info/ccsefcu/news/holsho11_17/ <p>The holiday shopping season is here. Whether you plan to shop on Black Friday, Cyber Monday or wait until the last minute, these tips can help you be a smart shopper.</p> News Mon, 13 Nov 2017 06:55:41 -0600 It's Open Enrollment Time for Health Insurance http://ie.foolproofonline.info/ccsefcu/news/openenroll10_17/ <p>It's during this time of the year that you should enroll, re-enroll, or make changes to your health insurance plans for the coming year. This includes health insurance provided by your employer, health insurance you buy individually, and Medicare.</p> News Tue, 31 Oct 2017 09:13:02 -0500 What to Know about Disaster Scams http://ie.foolproofonline.info/ccsefcu/gen_y/aboutdisca/ <p>Natural disasters, such as hurricanes, forest fires, and tornadoes happen all around us. Unfortunately, this is a prime opportunity for scammers, as they tend to follow every disaster, looking for opportunities to take advantage of those impacted by the disaster, or those willing to help those impacted.</p> Gen Y with Will Mon, 30 Oct 2017 08:37:56 -0500 What Do You Need to Know About the KRACK Wi-Fi http://ie.foolproofonline.info/ccsefcu/news/wifi10_17/ <p>Researchers have discovered a vulnerability in the Wi-Fi WPA2 security protocol. This vulnerability affects most devices that can use a Wi-Fi connection. Hackers could exploit this problem to capture all the traffic coming into or out of any device with a Wi-Fi connection such as laptops, phones, routers, tablets, and smart devices. Though to exploit the problem, a hacker would have to be near the device.</p> News Wed, 18 Oct 2017 00:54:12 -0500 Bitcoins and Blockchain: What You Should Know http://ie.foolproofonline.info/ccsefcu/gen_y/bitcoin10_17/ <p>Bitcoins. Blockchain. Ever heard of those names?? It's quite far from most people's minds, and to be honest I had to ask our FoolProof techies about it! They acknowledged not knowing too much about it either.</p> Gen Y with Will Tue, 17 Oct 2017 23:53:13 -0500 Looking for Alternative Gifts This Holiday Season? http://ie.foolproofonline.info/ccsefcu/news/holgif10_17/ <p>What do you think of as alternative gifts? A family trip? Tickets to a special event? Have you considered helping others. Here are a few suggestions for doing just that.</p> News Fri, 06 Oct 2017 05:27:32 -0500 Save Money on Your Holiday Travels http://ie.foolproofonline.info/ccsefcu/report/holtra11_17/ <p>Are you planning to travel this holiday season? Then don't wait. Making reservations and other plans early can save you money and time. Here are tips to help you save money on airfare, lodging, and driving.</p> Drew's Report Tue, 03 Oct 2017 04:34:52 -0500 Sneak Peek Into 10 Future Jobs! http://ie.foolproofonline.info/ccsefcu/gen_y/futjo/ <p>Critical thinking. Communication. Collaboration. Creativity. Four words that summarize the skills that can really help you prosper in the 21st century! As society and technology changes, working conditions also change and so do the professions of the future.</p> Gen Y with Will Tue, 19 Sep 2017 07:30:59 -0500 Massive Equifax Data Breach. What You Need to Know http://ie.foolproofonline.info/ccsefcu/news/equbre09_17/ <div class="bg"> <h1 class="bullet">Massive Equifax Data Breach. What You Need to Know.</h1> <img src="/common/ie/images/img_303.jpg" border="0" alt="" class="float_right" style=""/> <p>On September 7, 2017, Equifax, one of the big 3 consumer credit reporting agencies, announced that sensitive information for 143 million American consumers including names, Social Security numbers, birth dates, addresses and driver's license numbers were stolen by hackers.</p> <p>In addition, credit card numbers for 209,000 consumers and documents that are used in disputes containing personal information of 182,000 people were stolen. Equifax is only sending direct mail notices to consumers whose credit card numbers or dispute documents were stolen.</p> <p>Identity thieves can use the stolen data to get credit cards or other lines of credit, use your existing credit cards, open utility accounts, or impersonate you in other ways.</p> <p>The hackers accessed the various files in Equifax's system from mid-May through July 2017. The company says that it discovered the breach on July 29th and hired a cybersecurity firm to determine what data was stolen. Yet, this breach was not disclosed to consumers until September 7th which allowed the hackers more time to use the stolen data.</p> <p>Are you affected? There is a high probability that you are, since approximately 45% of the entire U.S. population may be impacted.</p> <p>Equifax has set up a dedicated website, <a href="http://fpme.li/6rfcn6n2" target="_blank">equifaxsecurity2017.com</a>, with information about the breach. If you really want to know if you are impacted, you can check on this website but you must provide your last name and the last six digits of your Social Security number. There were problems with this initially but it may now be fixed.</p> <p>Equifax is also offering all consumers identity theft protection service for 1 year. You have the option to enroll in Trusted ID Premier which is an Equifax company. Once you provide your last name and the last six digits of your Social Security number, you will receive an enrollment date. You can't sign up before then. Even though the service provides monitoring for all 3 credit reports, it only allows you to lock and receive copies of your Equifax credit report. You will still need to manage your other credit files separately. Experian has added an FAQ to their website to confirm that if you enroll in the free credit file monitoring and identity theft protection they are offering you will not waive your right to take legal action.</p> <p class="orange"><br><strong>What Should You Do?</strong></p> <p>You should take the following steps whether you are impacted by the breach or not.</p> <p><em>Freeze your accounts at all 3 credit bureaus.</em> This is the most effective way to protect yourself from identity theft. Thieves won't be able to establish new credit in your name even if they have your personal information. A freeze has no impact on your existing lines of credit such as your credit cards. It will cost you a small fee which ranges from $3 to $10 per person per bureau to freeze your accounts. If you need to apply for credit, you can "thaw" your account for one creditor for a specific period of time using a personal identification number. Thawing may also cost a fee ranging from free to $10. Here are the instructions for placing a freeze at <a href="http://fpme.li/rkd8mhqa" target="_blank">Experian</a>, <a href="http://fpme.li/mz9rv239" target="_blank">TransUnion</a>, and <a href="http://fpme.li/97xjcuu8" target="_blank">Equifax</a>. You may also want to freeze your report at <a href="http://fpme.li/jzsb6d59" target="_blank">Innovis</a>, a lesser-known consumer reporting agency.</p> <p><em>Place a fraud alert on your credit reports.</em> A fraud alert is not the same thing as a credit freeze. An alert is a notice that warns current and prospective lenders that they must take reasonable steps to verify your identity before granting credit. You only need to request a fraud alert at one of the big 3 credit bureaus as they will inform the other two. You will need to place the alert at Innovis separately. The alert lasts 90-days. When you place or renew the alert, you are allowed to request a free credit report.</p> <p><em>Consider signing up for a fraud protection service.</em> These services, for a fee, monitor more than your credit and provide more services than a credit monitoring service.</p> <p>You need to be proactive in protecting your financial and personal information. No one else can do it for you.</p> <p class="orange"><br><strong>Additional Resources</strong></p> <ul> <li><a href="http://fpme.li/pca7gj7n" target="_blank">IdentityTheft.gov</a></li> <li><a href="http://fpme.li/872tjve8" target="_blank">The Equifax Data Breach: What to Do</a></li> <li><a href="http://fpme.li/bvj3wasx" target="_blank">Credit Freeze FAQs</a></li> <li><a href="http://fpme.li/evb4z8zh" target="_blank">How to Lock Down Your Money After the Equifax Breach</a></li> </ul> <div class="bg_bottom"></div> </div> <div class="third_party">Information Edge links to sites provided by a variety of sources. We review sites for credibility and reliability, but Information Edge, of course, can't control advertising and other links on these sites. We advise ignoring pop-up ads, links to sales of products or services, and the like.</div> News Sun, 10 Sep 2017 04:35:10 -0500 Effortless New Ways to Buy and Finance a Vehicle http://ie.foolproofonline.info/ccsefcu/report/buyfincar10_17/ <p>If you're like a lot of people, a visit to your local car dealership is as much fun as getting your finger stuck in a door jamb.</p> <p>That's why you're seeing so many new ways to tackle the car buying and financing process.</p> Drew's Report Thu, 07 Sep 2017 08:15:05 -0500