Save the date for the following fere in-person workshop at Goodwill Career Center, Santa Ana • Planning for Money Milestones and Drive Away Happy January 29th • Psychology of Spending and Understanding Credit February 26th • Are you Financially Healthy and Personal Finance for College Students March 25th Save the date for the following free financial webinars: • Are You Financially Healthy? - January 14th & 23rd • Drive Away Happy: Car Buying Decisions - February 11th & 20th • Repaying Student Loans - March 10th & 19th Interested in a home purchase or refinance? Schedule an appointment in one of our branches with a Mortgage Loan Consultant to discuss any of your mortgage needs. In a 2018 survey conducted by the Federal Reserve Bank 40% of the respondents noted it would be a struggle to cover a $400 unexpected bill. That may seem like a lot, but if you have children, pets, cars or major appliances any of these can lead to an unexpected expense well above $400. Even the holidays can put a strain on budgets with travel and gift buying. Saving money for a rainy day or the unexpected can be difficult, but it is something that we should all strive to do. Here at Eagle Community CU, your credit union, we provide resources to assist you in reaching your financial goals. If you need help with budgeting, debt management or financial planning please check out Balance Financial Resources on the credit union website under Learning. The services are free to our members and they can assist you in a variety of ways with your financial needs. The best preparation for an unexpected expense is planning. Here are some things you can do to prepare yourself for a rainy day expense: • Set aside a small amount each payday in your Eagle savings account. • Be proactive, apply for and establish a line of credit or HELOC before the unexpected occurs. • Take advantage of free services that can help you on a path to financial security. • If you have loans and your income is disrupted by injury, or other unexpected reasons, reach out to lenders for solutions as soon as possible. We would like to see all our members living well and not having to worry about the unexpected. During the Holiday Season there always seems to be an increase in fraud related activities. Please be aware of some of the more common fraud attempts: • Individuals claiming to be from Microsoft, Apple or other software providers that call and want you to give them access to your computer to resolve a problem. This is a fraud scam. These companies will NOT do that. • Someone offering to send you a check to be a “Secret Shopper” or some other activity. For your service, you're provided a check. You're asked to cash it, keeping a small amount for your troubles, and send the remainder back to them. The check is going to be bad and charged back against your account. • Receive greeting card e-mails from people you don’t know, that when opened will download a virus to your computer. • You receive a call, or email, from "that guy" claiming to be from the Social Security Department, letting you know your Social Security number is being frozen. I get three of those a week myself. Funny thing is they need me to give them my social security number when they are the ones calling me. Please never give out your personal information to anyone via telephone or e-mail, and don’t allow anyone access to your computer or telephone. If you are not the one that initiated the request, this is more than likely some type of scam. Please have a safe and Happy Holiday Season from all of us here at your credit union. Sincerely, Scott Rains President/CEO www.eaglecu.org 2
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