The economy had a smooth summer.
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My husband and I just returned from an awesome vacation. It was sunny and warm and a great break this time of year. Do you know what was even better? The free stuff! We are points people. We saved up enough points so that we both had free airfare and five nights hotel stay in a super nice resort. How awesome is that?
We have friends who use their points for upgrades when they travel. Another friend used their points to go parasailing while on vacation. I have a very practical friend who uses her points for gift cards to buy the everyday stuff her family needs. The greatest thing about points is that we can use them for whatever we want. That is what we love about UChoose Loyalty Rewards. UChoose Loyalty Rewards is more than a debit card rewards program. It rewards us for our loyalty to MutualBank, for our deposit, loan and investment balances. It also gives us points when we open up new services AND we earn points when we use our debit card. Woo Hoo! That is so awesome!
UChoose Loyalty Rewards just became even more awesome and I wanted to tell you some of the new things that make the program even better:
UChoose Loyalty Rewards just keeps getting better and better. So I have to ask the question, are you signed up for UChoose Loyalty Rewards? If not, let me remind you itís free. If youíre already signed up, awesome. Tell me what you love about UChoose Loyalty Rewards or how you use your points at firstname.lastname@example.org . I love to hear your stories.
If youíre not signed up, do it now, donít wait! Once you register your debit card at UChooseRewards.com youíll start earning points right away. Maybe youíre thinking that you donít need it because you use your credit card to accumulate points, thatís great! A lot of people do the same thing. But donít you want to earn points on the items that you do purchase with your debit card? I know I do. Besides, if you donít sign up, you miss out on the rewards you can get for your account balances and the bonus points for new services and shopping at select retailers. Donít throw away the points you could be receiving. Start earning today!Learn more about UChoose Loyalty Rewards.
What is social engineering?
CSO Magazine defines Social Engineering:
ďSocial engineering is essentially the art of gaining access to buildings, systems or data by exploiting human psychology, rather than by breaking in or using technical hacking techniques. For example, instead of trying to find a software vulnerability, a social engineer might call an employee and pose as an information technology (IT) support person, trying to trick the employee into divulging his password.Ē
Ė CSO November 2011
Social Engineering can take on many forms and fraudsters can be very successful using this method since it is very low tech and costs very little (if any) money to do. When it comes to banking online, it's even more important to understand the risks and how to keep your information safe and secure.
Here are some common methods of social engineering:
Protect yourself from social engineering:
At MutualBank, we strive to keep you educated of new scams or frauds. For more information about protecting yourself visit our Alerts and Security information.
Visit our Alerts anytime at bankwithmutual.com and click on "Alerts and Security".
MutualBank customers can always call 800-382-8031 to report any instances of fraud or suspicious calls. Together we're working with you to keep your information safe.
Now that the Holidays are over, it is now time for those credit card bills to arrive and the determination of what was actually spent on holiday gifts become reality.
As many Americans utilize credit cards to purchase gifts during the holidays and other items all year long, the repayment of that debt is always a challenge. The excitement of the holiday season is over and the stress rises. We use credit cards either as a convenience or because the cash is not available when we want. Then the credit card bill arrives and we have a choice to make, pay the minimum payment and payoff the credit card in about ten years or try to make payments to reduce the balance more rapidly. The following are a few suggestions to make the credit card debt go away and then utilize cash for the next holiday season or purchase.