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Securing Your Personal Information

The security of your personal information is a primary goal of Community Alliance CU.  Please read.


5 Ways to Start the New Decade

The beginning of a new decade presents a unique opportunity for reflection and planning. Here are a few ways in which you can partner with your financial professional to help pursue a financially healthy new year and begin the new decade on sound financial footing.


1. Review/Reevaluate your goals. So, how did you do this decade? Are your investments still on track? Are you saving tax-efficiently (more on this later)? If any aspect of your personal and/or financial situation has changed, proper adjustments may need to be made. On your own, or with your financial professional, take some time to look at your goals and compare them to your current financial health and portfolio. Remember, it’s important to be honest and strategic during this time of reflection to maximize your chances of success.

Read More.

 


How Secure Are Your Passwords?

It's important to create strong passwords, here are 10 rules to follow.

 


 

Cleaning your iPhone

Learn how to clean your iPhone 7 and later:
Clean your iPhone immediately if it comes in contact with anything that might cause stains or other damage—for
example, dirt or sand, ink, makeup, soap, detergent, acids or acidic foods, or lotions. Follow these guidelines:
• Unplug all cables and turn off your iPhone.
• Use a soft, slightly damp, lint-free cloth—for example, a lens cloth.
• Avoid getting moisture in openings.
• Don’t use cleaning products or compressed air.
Your iPhone has a fingerprint-resistant oleophobic—oil repellent—coating. On iPhone 8 and later, the coating
is on the front and back. This coating wears over time with normal use. Cleaning products and abrasive materials
will further diminish the coating and might scratch your iPhone.

iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus,iPhone 5s
Clean your iPhone immediately if it comes into contact with contaminants that might cause stains, such as ink,
dyes, makeup, dirt, food, oils, and lotions. To clean your iPhone, unplug all cables and turn it off. Use a soft,
slightly damp, lint-free cloth. Avoid getting moisture in openings. Don't use window cleaners, household cleaners,
compressed air, aerosol sprays, solvents, ammonia, or abrasives to clean your iPhone. The front glass surfaces
have an oleophobic coating. To remove fingerprints, wipe these surfaces with a soft, lint-free cloth. The ability of
this coating to repel oil will diminish over time with normal use, and rubbing the screen with an abrasive material
will further diminish its effect and might scratch the glass.
To clean the Home button (allowing Touch ID to work optimally), wipe it with a soft lint-free cloth.

 


Traveling Abroad?

Because of visa time limits, many countries require your passport to be valid for 3-6 months beyond your departure date. In a nutshell, this means if you travel out of the country and your passport expires in a month, it might not be valid and you may not be able to board a flight.

 

New ID Driver Licenses

Beginning October 1, 2020, Michigan residents will need to present a REAL ID-compliant document to fly within the United States (domestic flights) and enter certain federal facilities, military bases, and nuclear power plants. Residents without a REAL ID-compliant ID will need to show another form of acceptable documentation (such as a passport) prior to entering these facilities or boarding domestic flights. In order to obtain a REAL ID compliant DLN or PID, residents need to bring a valid U.S. passport or certified birth certificate with a raised seal or stamp to the SOS office.

As of August 28, 2017, in order to comply with the federal REAL ID Act of 2005, Michigan SOS began offering REAL ID Driver Licenses and Personal Identification Cards. Below is an example of what these cards look like (notice the gold circle with a star in the top right corner):

Drivers Licenses

If a resident chooses not to get a REAL ID-compliant ID or an Enhanced Driver License, a standard license card will be given with the phrase “Not for Federal Identification” printed on it (see below). These standard cards will continue to be legal identification for driving, cashing checks, renting vehicles, purchasing alcohol and tobacco, or entering casinos.

Michigan ID

 


Understanding Your Credit Report

GreenPath hosted a webinar to help you learn about credit reports and scores. If you were unable to attend you may watch this YouTube video at your convenience.

Also, here's some additional information about Credit Reports.

This is a credit freeze and this is an illustration.


3 Advantages of a Good Credit Score

Rent:credit score

Sure, renting a place to live doesn't require a loan but your chances of getting approved are a lot higher if you have a good credit score. With a low score, you're less likely to find a landlord who's willing to take a chance on you, even if you're financially reliable.

Utilities:

An excellent credit score helps a lot when it comes time to get utilities connected at a new house. There may be a fee associated with your new internet account that is based on your score. Anyone who's ever experienced buying a home knows that any amount you can save is helpful when you're going through the process.

Job:

Some employers may conduct a credit check on applicants for a variety of reasons. Late payments, high debt, and being generally irresponsible with your finances are red flags that could make an employer not want to hire you. Keep this in mind if you're thinking about a new job.



The three major credit bureaus are:

  • Experian                     experian.com              888.397.3742

  • Equifax                        equifax.com                800.685.1111

  • TransUnion                transunion.com            800.888.4213

Request a Free Credit Report Annually.

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