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Perspectives, Financial and Otherwise,
from Sharon Credit Union

11/21/2018 | Education

5 Ways to Improve Your Credit Score

Looking to improve your credit score? Here are 5 tips!

1. Pay your bills on time. If you find this to be a challenge, consider signing up for automatic payments.

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11/13/2018 | Education

Staying Safe Online

A compromised computer can put you at risk for money loss, phishing scams or even complete identity theft. Read on for steps you can take to keep yourself safe online.

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10/23/2018 | Education

Credit Card Fraud in Fives

No one wants to be the victim of credit fraud. Aside from the stolen money you may never recover, victims of fraud can be faced with an enormous hassle. That hassle involves the closing of accounts, putting a fraud alert on your credit and a huge ding on your credit history, which can be difficult to fix. 

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10/10/2018 | Education

Why Does My Mortgage Lender Need So Much Information

Exhaustive research into the financial, personal and credit history of home loan applicants is not unique to credit unions. Every home lender will request similar information for processing the loan. 

Why are lenders so nosy? 

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9/13/2018 | Education

6 Steps for Creating and Keeping Strong Passwords

Your passwords are the keys to your life. And when it feels like there’s another big security breach every week, you want to be sure those passwords are strong and safe. 

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9/12/2018 | Education

All You Need to Know About Buying a Used Car

If you’re in the market for a deal on used wheels, follow the steps below for a smoother ride!

Step 1: Crunch the numbers

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8/8/2018 | Education

Apple Pay, Samsung Pay and Tokenization: How to Stay Safe With the Wallet of the Future

Left your wallet at home? No worries; you can still pay for those purchases! Just use your phone.

Apple Pay, Samsung Pay and other mobile wallets are revolutionizing the checkout experience by blending two developments in payment infrastructure to save you time: near-field communication (NFC) and token encryption.

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8/7/2018 | Education

How Many Credit Cards Should I Own?

Hopefully, you’re working hard to keep a high credit score by using your cards and paying on time. You may be wondering, though, if more is better. Is several credit cards and more available credit a good idea? Or, are too many cards a liability to your score? 

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7/3/2018 | Education

7 Ways to Spot a Loan Scam

Your credit’s trending the wrong way and you’re desperate for a loan. Unfortunately, though, it seems that no reputable institution is willing to work with you – and the few that are offer very unforgiving terms. 

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6/26/2018 | Education

Debit Card Safety

How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. Let’s explore when and how to use your debit card. 

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6/14/2018 | Education

Daily Worth

If you’re a young parent trying to make sense of the stock market in between grocery shopping and PTA meetings, you likely don’t have the time or headspace for the in-depth articles on sites like Investopedia and Bankrate. And yet, mommy-brain notwithstanding, you don’t feel comfortable plunking down your money without first reading up on your investment of choice. 

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5/15/2018 | Education

5 Things You Can Do Today To Help Your Future

Your primary reason for attending college is to jumpstart your career, of course. But, did you know there are many other things you can do now to help secure your future?

Here are just 5 things you can do today that will improve your after-college life:

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5/9/2018 | Education

Online Resources for College Students

Keeping up with all your classes, reports and exams is no simple feat. And while we can’t make your classes easier, we can help lighten your workload with this awesome list of online resources for college students. Take advantage of all the internet has to offer!

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4/3/2018 | Education

Teaching Your Kids Saving Smarts

For the responsible adult who thinks about being prepared for the future, savings are a fixed expense that is built into the monthly budget just like car payments and insurance.

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2/13/2018 | Education

6 Common Tax Mistakes To Avoid

It’s that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms, and pay stubs, and get to work. Whether you choose to go it alone, use a tax-prep computer program or hand it all over to an accountant, start with checking out our handy list of common mistakes people make on their tax returns.

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2/6/2018 | Education

Will Amazon Go Destroy The Face Of American Retail?

You’ve picked up your last item, and you’re ready to check out. But if you thought choosing the right blend of K-cups was a tough decision, that’s nothing compared to the choice you’ll have to make now. Do you go to the aisle with the most carts that has the fastest cashier?

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2/2/2018 | Education

What You Need to Know about Government Shutdowns

When there is a government shutdown, what does it mean for you? Which offices and agencies are operating as usual and which of them are shuttered until it’s over?

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1/31/2018 | Education

7 Common Life Insurance Myths Debunked

Many of us let popular misconceptions about life insurance convince us that we don’t need it. Read on to see how seven of the most widespread life insurance myths are easily debunked.

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1/30/2018 | Education

Financial Planning For College: How To Get The Most Out Of The FAFSA

If you’re the parent of a college-bound high school student, you’ve probably already started receiving junk mail with pictures of big, impressive stone facades on the outside and big, appalling price tags on the inside.

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1/29/2018 | Education

FAQs About Share Secured Loans

Wondering about share secured loans? Here’s all you need to know about this unique product that can provide a low-interest rate plus credit building and repair:

1.) What are share secured loans?

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1/24/2018 | Education

The Brain/Money Connection

We know that stress impacts our health in various ways, but did you know the brain is also physically affected by stress? Neuroscientists at the University of California, Berkeley, have found that chronic stress triggers long-term changes in brain structure and function. And nothing spells stress like money dilemmas!

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12/27/2017 | Education

Ready, Set, Go...to College

It may seem like yesterday when you were sending your child off to preschool. And now you’re preparing him for college!

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates.

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12/5/2017 | Education

Everything You Want to Know about Bitcoin (…But Were Afraid to Google)

What is Bitcoin?

Bitcoin is a form of money that is entirely digital. The U.S. has dollars, Europe has Euros and the internet has bitcoins. The fact that bitcoin is digital isn’t all that interesting – because, in reality, an estimated 92% of all money is digital.

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11/29/2017 | Education

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.

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11/14/2017 | Education

The iPhone X and Decoy Pricing

Retailers often manipulate our spending habits. For instance, every time you shop, your choices are likely influenced by pricing tactics like BOGO, anchoring and high-end pricing.

And then there’s the tactic favored by Apple: decoy pricing.

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10/3/2017 | Education

The Dos and Don'ts of Credit Repair

Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score.

Do: Determine your actual credit score

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10/2/2017 | Education

Should I Make A Balance Transfer?

Are you considering a balance transfer to an interest-free card and wondering if it's a good idea? While transferring some or all of your credit card debt to one that includes an introductory interest-free period can help you move toward a debt-free life, there are some things to be aware of. Consider these pros and cons:

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8/30/2017 | Education

Do Your Kids Have Virtual Shopping Smarts?

Did you know that 73% of millennials questioned in a Bazaar Voice survey do all their shopping on their smartphones? It’s not surprising. The world of commerce is constantly becoming more digitized as retailers focus on improving their online presence to cater to cyberspace shoppers.

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7/12/2017 | Education

Putting Your Affairs In Order: 7 Steps To Make Sure You’re Prepared

They say there are only two guarantees in life: death and taxes. 

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6/14/2017 | Education

How To Be Smart About Student Loans

There is one thing you can start doing this year to take away a lot of stress in your 20s.

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5/25/2017 | Education

Memorial Day Celebrations, Yesterday And Today

Originally called Decoration Day, Memorial Day began following the Civil War.

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5/10/2017 | Education

Regulation D: How Does It Affect Me?

Feeling Limited? Blame It On Regulation D.

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4/21/2017 | Education

Put Your Trust In A Trust: 4 Reasons Trust Accounts Make Sense For You

A trust is a private contract that is living.  

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4/11/2017 | Education

Buying A Home In Today's Economy

The only thing certain about today’s economy is that it is uncertain.

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4/5/2017 | Education

Traditional Electricity Production vs. Solar Electricity Production

It is important to know how your current electricity is being produced.

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3/22/2017 | Education

Women's History Month: Women In Finance

Because March is Women’s History Month.  

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2/15/2017 | Education

Leasing vs. Buying A Car

Here are some things to think about before making that decision.

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1/24/2017 | Education

Do's And Don'ts When Preparing Your Taxes

You need to be aware of some potential pitfalls that you could easily fall into. 

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11/16/2016 | Education

Credit Cards Or Debit Cards - What's The Smartest Swipe?

Which one should you use? The answer depends largely upon your lifestyle.

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9/12/2016 | Education

Beware The Boom: Diversify Your Portfolio To Protect From The Bust

There’s always a “next big thing” in investing

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8/29/2016 | Education

Turning Back to School Shopping into a Personal Finance Lesson For Your Kids

Most parents regard back to school time with a mix of emotions.  On one hand, you’re sorry to see your kids go.  Summer has been a great time to tackle projects together, build memories, and have fun.  On the other hand, it’ll be nice to have the whole house awake and moving before noon again!

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