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. Mon, 29 May 2017 11:59:40 -0500 Mon, 29 May 2017 11:59:40 -0500 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 The Longest Vacation of Your Life http://ie.foolproofonline.info/ccsefcu/gen_y/lifevac/ <p>Do you want to do what you want, wherever and whenever you want, and money is not a problem? Would you like to go on the longest vacation of your life, and actually be able to afford it?</p> Gen Y with Will Mon, 01 May 2017 05:28:23 -0500 How Do You Pay Your Bills? Online or Off. http://ie.foolproofonline.info/ccsefcu/report/paybill05_17/ <p>We all have bills to pay. Whether it's the rent, mortgage, utilities, credit cards, or loans, bills must be paid in some way. Some people choose to write checks. Others pay online. Still others use a combination. What method works best for you?</p> Drew's Report Mon, 01 May 2017 02:37:28 -0500 VantageScore Announces Upcoming Changes. http://ie.foolproofonline.info/ccsefcu/news/vantagescore05_17/ <p>Haven't heard of VantageScore? It is a credit scoring model that was created in 2006 by the big three credit bureaus, Experian, Equifax, and TransUnion, as an alternative to the better known FICO score from the Fair Isaac Corporation.</p> News Mon, 01 May 2017 01:54:46 -0500 Stolen Tax Info through FAFSA Tool http://ie.foolproofonline.info/ccsefcu/news/fafsa04_17/ <p>A rite of going to college is filling out the Free Application for Federal Student Aid (FAFSA) form. Anyone who has filled out the FAFSA knows how complicated it is. To help make it easier to fill out the form, the U.S. Department of Education created a Data Retrieval Tool (DRT) which could be used to retrieve the required tax information directly from the IRS.</p> News Wed, 19 Apr 2017 02:18:18 -0500 The Dangers of Randomly Clicking Links http://ie.foolproofonline.info/ccsefcu/gen_y/freeinternet/ <p><strong>(and Using 'Free' Services)</strong></p> <p>Randomly clicking links on the internet can get you in big trouble!</p> <p>How? Ever heard of ransomware? Malware? Or of course the good old spyware and viruses?</p> Gen Y with Will Mon, 03 Apr 2017 03:09:27 -0500 Tips for Spotting Fake News http://ie.foolproofonline.info/ccsefcu/news/fkne03_17/ <p>Fake news. There's been a lot of discussion about it recently. While bogus stories and advertising cloaked as stories have been around for a long time, the Internet and now social media have helped to spread them quickly to more people. Being skeptical about the news or any information is a good idea no matter the source.</p> News Fri, 31 Mar 2017 03:03:43 -0500 101 Ad-Proof Tips! http://ie.foolproofonline.info/ccsefcu/gen_y/datip/ <p>We're living in a world of advertisements, or ads, for short. Ads are everywhere around us, they're embedded in everything, and a lot of these ads don't even look like ads!</p> Gen Y with Will Tue, 07 Mar 2017 15:05:46 -0600 Don't Fall for Tax Time Scams http://ie.foolproofonline.info/ccsefcu/report/tax04_17/ <div class="bg"> <h1 class="bullet">Don't Fall for Tax Time Scams</h1> <img src="/common/ie/images/img_281.jpg" border="0" alt="" class="float_right" style=""/> <p>Scams occur all year round but some types of scams peak during tax season. The IRS publishes a list of the worst of the tax scams each year called the "Dirty Dozen." Many of these scams make the list year after year. This report highlights the several of the scams.</p> <p class="orange"><br><strong>Phishing Scams</strong></p> <p>Phishing scams try to steal your personal and financial information. These scams typically come by email. The emails are made to look like they come from the IRS or other government agency, bank, credit card company, businesses or other trusted organizations. The goal of the email is to get you to go to a legitimately looking website so that they can collect your information. Some emails or websites may also try to infect your computer with malware which will try to steal login and other data from you.</p> <p><em>The following tips can help you avoid phishing scams.</em></p> <ul> <li> <p>The IRS, other government agencies, financial institutions and reputable companies do not send emails, make phone calls, or send letters asking for personal information and account information they already have on file.</p> </li> <li> <p>Do not click on any links or call phone numbers in unsolicited emails. If you must contact the sender, call them using a phone number from a reputable source or go directly to their website.</p> </li> <li> <p>Never send account numbers and passwords in email messages.</p> </li> <li> <p>Protect yourself and your devices by using security software and security features provided by your email program and browsers.</p> </li> </ul> <p class="orange"><br><strong>Phone Scams</strong></p> <p>In these scams, the scammers pose as IRS agents. The calls may demand that payment of a bogus tax bill and threaten arrest, driver's license revocation, or even deportation if the bill isn't paid. Other calls may promise a big refund if you provide them your personal information. If you receive a call, hang up immediately. Don't give out any information.</p> <p><em>Remember that the IRS will never:</em></p> <ul> <li><p>Call to demand immediate payment using a specific payment method. The IRS will usually first mail a bill to any taxpayer who owes taxes.</p></li> <li><p>Threaten to immediately bring in local police or other law-enforcement group to access a taxpayer for not paying.</p></li> <li><p>Demand that taxes be paid without give the taxpayer the opportunity to question or appeal the amount owed.</p></li> <li><p>Ask for credit or debit card number over the phone.</p></li> </ul> <p class="orange"><br><strong>Tax-Related Identity Theft</strong></p> <p>In these scams, scammers try to steal personal and financial data from taxpayers or data held by tax professionals. They may also try to steal tax refunds by filing tax returns using the stolen data. The IRS, state tax agencies and the tax industry have been working to combat this problem by developing and improving tools to prevent fraudulent returns from entering the tax system. Even though progress has been made, you still need to be extremely cautious.</p> <p><em>You can protect yourself by:</em></p> <ul> <li>Learning the signs of <a href="http://fpme.li/x9hznete" target="_blank">tax-related identity theft</a>.</li> <li>Use security software on all of your devices including a firewall. Make sure to keep it up to date and running.</li> <li>Use strong passwords. Consider encrypting tax records and other sensitive files.</li> </ul> <p class="orange"><br><strong>Fake Tax Payment Using Gift Cards</strong></p> <p>While this scam isn't one of the Dirty Dozen, it's a twist on the phone scam. In this scam, scammers are impersonating an IRS agent and demand that a tax payment be made by an iTunes or other gift card. If you receive one of these calls, hang up immediately without providing an information. The IRS does not require you to use a specific payment method for your taxes such as a prepaid debit card, gift card, or wire transfer.</p> <p class="orange"><br><strong>For More Information</strong></p> <p>For more details about these and other "Dirty Dozen" scams, check out the <a href="http://fpme.li/d4tbb6ss" target="_blank">Dirty Dozen</a> page on the IRS website.</p> <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> Drew's Report Mon, 27 Feb 2017 00:33:49 -0600 Turning 65 This Year? It's Time to Sign Up for Med http://ie.foolproofonline.info/ccsefcu/report/medi03_17/ <p>Are you turning 65 this year? Is a parent or grandparent? One important task to take care of in the months around that 65th birthday is enrolling in Medicare. You (or your relative) need to enroll during this initial enrollment period (IEP) if your plans fit either of these situations:</p> Drew's Report Mon, 27 Feb 2017 00:23:15 -0600 Facebook Customer Service Number http://ie.foolproofonline.info/ccsefcu/news/fbcus02_17/ <p>Have you ever searched for a customer service number online? NPR's All Tech Considered while working on a story decided to search for Facebook Customer Service. Prominently displayed at the top of the Google search results was a phone number. That number will get you a person but not from Facebook.</p> News Thu, 16 Feb 2017 00:31:50 -0600