November 29, 2017

Holiday Hacks For Traveling College Students

 

With the holiday season fast approaching, college students across the country are thinking about their trips home. Many choose to go home for Christmas. If that trip means hopping on a plane, you’re looking at some big expenses.

Can a cash-strapped college student pay for airline flights during the most expensive traveling seasons of the year without going broke?

They sure can! Here’s how:

1.) Start saving now

If you’ve got a part-time job, start skimming a bit off each paycheck for holiday travel […]

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November 29, 2017

Beware Of Banking Scams

Beware Of Banking Scams

There’s been a recent uptick in banking scams where criminals pose as representatives of the victim’s financial institution, thereby obtaining sensitive information. The scammers use the credit union’s social media account or likeness to appear authentic. They then empty the victim’s accounts and disappear.

Often, when the scammers receive a response from the victim on social media, they redirect the victim to what appears to be the credit union’s website. The victim will input a user ID and […]

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November 29, 2017

Credit Cards or Debit Cards – What’s the Smartest Swipe this Holiday Season?

Credit Cards or Debit Cards – What’s the Smartest Swipe this Holiday Season?

Most people own at least one debit card and at least one credit card. Although it may not seem like it, there are many differences between the two.

Each time you use a credit card, you’re borrowing money. You’ll need to pay that money back to the credit union along with interest.

A debit card, on the other hand, simply transfers your own money from your checking account to the […]

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November 17, 2017

Black Friday DOUBLE Awards

Shop Black Friday Weekend and Earn DOUBLE Awards

Beginning November 23 through November 27, you can earn DOUBLE Award points, every time you use your RCFCU Credit Card on qualifying purchases! Points can be used for domestic air travel, gift cards and more.

Don’t have a RCFCU Visa Credit Card? Double the Holiday Shopping Fun and Apply Today!

 

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November 13, 2017

Ways To Celebrate World Kindness Day

Ways To Celebrate World Kindness Day

It’s World Kindness Day. Celebrate this extraordinary day by spreading a little more kindness in the world. Here are some ideas:

Do an anonymous act of goodwill. You can stick a quarter into a parking meter that is nearing expiration, move a large branch from the center of the sidewalk or pick up and place a fallen grocery store item on its shelf.
Call your child’s teacher to thank them for all they do for your son […]

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November 7, 2017

Financial Tips For Single Parents

Financial Tips For Single Parents

Single parenting brings unique budgeting challenges.

The U.S. Department of Agriculture reports that it costs an estimated $241,080 for a middle-income couple to raise a child to age 18 – and many single parents shoulder that responsibility alone. Even with adequate child support, it’s smart to be proactive about financial matters as a single mom or dad.

Here are tips for daily financial decisions:

1.) Credit cards

While credit cards may seem like the obvious solution for filling the gap […]

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November 2, 2017

How Can I Shop Safely On Black Friday?

How Can I Shop Safely On Black Friday?

Q: I love Black Friday but I worry about the risks. With the possibility of being trampled or of my credit card being compromised, there’s so much that can go wrong! How can I protect myself without missing out on the biggest shopping day of the year?

A: Black Friday does pose some serious risks to shoppers, but with the proper safety measures, you can happily join the bargain-hungry crowds on November 24.

Here’s how:

1.) […]

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November 2, 2017

How To Be The Host With The Most Without Draining Your Account

How To Be The Host With The Most Without Draining Your Account

Q: It’s my turn to host my family for the holidays. How can I entertain the crowd without spending a fortune?

A: While it’s great fun to gather under one roof for a festive meal, feeding a crowd can seriously strain your budget.

Fortunately, it’s possible to be a great host without breaking your budget. Try these three handy tips to save on expenses.

1.) Plan

For all personal finance matters, it’s crucial […]

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November 1, 2017

Beware Of Student Loan Debt Relief Scams

Beware Of Student Loan Debt Relief Scams

More than 42 million Americans have student loan debt, with their collective debt topping $1.4 trillion. Unfortunately, these big numbers make student loan debtors excellent targets for scams.

The Federal Trade Commission (FTC), partnering with 11 states and the District of Columbia, has recently announced “Operation Game of Loans,” the first law enforcement initiative pursuing student loan debt relief scams. This nationwide crackdown includes 36 government actions against scammers alleged to have conned more than […]

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