en-us Foolproof InformationEdge - School District 3 Federal Credit Union http://ie.foolproofonline.info/sd3fcu/ A youth website to engage young people in consumer issues. Thu, 09 Sep 2010 13:32:36 -0500 Thu, 09 Sep 2010 13:32:36 -0500 Copyright 2002-2010 FoolProof Financial Education Inc. niels@foolproofhq.com http://ie.foolproofonline.info/sd3fcu/ Foolproof InformationEdge - School District 3 Federal Credit Union /common/cu_files/39.jpg 60 60 Foolproof InformationEdge - School District 3 Federal Credit Union Thinking About Home Improvement? http://ie.foolproofonline.info/sd3fcu/report/homeimprovement09_10/ <p><strong>Tips for Saving Money and Avoiding Rip-Offs</strong></p> <p>In the fall, many homeowners thoughts turn to home improvement. In today's slow real estate market, many homeowners are also thinking of renovating rather than selling.</p> Nick's Report Wed, 08 Sep 2010 08:00:00 -0500 Weird But True Budgeting Tips http://ie.foolproofonline.info/sd3fcu/gen_y/budgetingtips/ <p><strong>Gen Y With Will</strong></p> <p>Colleges and graduate schools can be backbreaking when it comes to money. Why not get creative with ways to save more money and lessen that backbreaking load?</p> Gen Y with Will Fri, 13 Aug 2010 02:57:47 -0500 New Mortgage or Refinancing Your Current One? http://ie.foolproofonline.info/sd3fcu/report/mortgage-refinance08_10/ <p>Current mortgage interest rates in the U.S. are historically low. If you're considering buying a new home, there's a large stock of new and existing homes for sale, many at much lower prices than at the height of the real estate boom. Even with this good news, however, mortgage loan applications in July 2010 hit new lows.</p> Nick's Report Thu, 12 Aug 2010 02:00:00 -0500 Should You Manage Your Finances Digitally? http://ie.foolproofonline.info/sd3fcu/report/manage_your_finances_digitally07_10/ <p>How busy are you? Very! Isn't that right? Most of our "to do" lists are a mile long. How would you like to save time on some repetitive financial chores while increasing security and benefits? Most people have online access to their financial accounts, but many are not taking full advantage of some major benefits offered such as direct deposit, electronic bill pay and even "paperless" statements. Take a moment to see how these services might work for you.</p> Nick's Report Mon, 05 Jul 2010 01:05:27 -0500 Debt Settlement http://ie.foolproofonline.info/sd3fcu/report/debt_settlement06_10/ <p><em>Considering Debt Settlement? Why That's Probably a Dangerous Idea</em></p> <p>This report gives you the facts behind the claims of debt settlement companies and profiles better options for resolving debt problems.</p> Nick's Report Tue, 08 Jun 2010 02:20:19 -0500 Facebook and Privacy http://ie.foolproofonline.info/sd3fcu/guide_privacy/facebooknews/ <p>Facebook has announced major changes in the way it allows you to handle privacy decisions—and the changes are good. It's easier to make sure you control who sees your private information, not Facebook.</p> <p>But, is your privacy now better protected on Facebook?</p> Privacy & Fraud Fri, 28 May 2010 03:58:52 -0500 In Money Trouble? http://ie.foolproofonline.info/sd3fcu/gen_y/moneytrouble/ <p>Okay, this article is packed with ways to prioritize your spending and save money creatively. But what if you're reading this article too late? What if you're already in deep trouble when it comes to money?</p> Gen Y with Will Fri, 21 May 2010 04:17:00 -0500 Jumpstart Your Savings http://ie.foolproofonline.info/sd3fcu/report/jumpstart_savings05_10/ <p>Getting in the habit of saving regularly is not easy for most people. There are so many temptations to spend. It's a little like resolving to eat in more healthful ways—you do great for a couple of days until a co-worker brings in delicious sweet treats for the break room. Nevertheless, you are determined to start saving and build up at least the recommended emergency fund equivalent to six months' living expenses. A worthy goal.</p> <p><strong>In this report, I provide some tips that you can implement right away to jumpstart your savings.</strong></p> Nick's Report Wed, 28 Apr 2010 04:21:47 -0500 Credit Card Tricks! http://ie.foolproofonline.info/sd3fcu/gen_y/cardtricks/ <p><strong>Gen Y with Will</strong></p> <p>Getting a Credit Card This Spring Or Summer?</p> <p class="orange"><em>Watch Out for These Tricks!</em></p> <p>Been thinking about a new credit card? Think all credit cards are alike? If you think that, good luck. You're going to need it!</p> Gen Y with Will Fri, 16 Apr 2010 04:00:00 -0500 Improve Your Home's Energy Efficiency & Save http://ie.foolproofonline.info/sd3fcu/report/energy_efficiency04_10/ <p><em>Certain Improvements Qualify for New Federal Tax Credits</em></p> <p>Even though the economy is showing signs of improvement, most consumers are still looking for ways to save money. Making improvements to save energy around your home may cost some money now but produce savings now and in the long-term. This month we'll look at various ways to improve the energy efficiency of your home, ranging from simple, low-cost strategies to more extensive improvements. Some improvements may qualify for tax credits and help you save even more.</p> Nick's Report Tue, 06 Apr 2010 05:18:31 -0500