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Refund Scams
It is hard to believe Thanksgiving is almost here. Families will get together to celebrate, watch football, and see who passes out first from eating too much turkey. One of the other traditions associated with Thanksgiving is breaking the wishbone. The tradition of wishing on bones is older than you probably think. This tradition can […]
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Anyone Can Be Scammed
Robert Lappin was a self-made millionaire. He started out making vacuum cleaners, then expanded his wealth by investing in real estate and finance. He created the Robert I. Lappin Charitable Foundation to help the Jewish community. Mr. Lappin, being an intelligent and carrying person, invested his foundation funds, his employees’ retirement plans, and his personal […]
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Common Scams
On October 1, 1908, Henry Ford’s Model T went on sale. At that time motorized vehicles had been manufactured for over 20 years; however, they were not affordable or practical for most people. Ford sold his Model T for $850.00. It was higher than most people’s income but was considered affordable. Ford also designed his […]
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The First Recorded Scam
Norman Cousins once wrote, “History is a vast early warning system.” I believe that to be very true. With that in mind, I thought it would be great to share some of that history as it applies to fraud scams. Scams occurred way before they were ever written down, but unfortunately those stories are lost […]
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Happy 2nd of July
Welcome to the Radiant Credit Union Fraud Blog. In this blog I am going to provide information on various types of fraud that you, or someone you know, may come to, or have already experienced. My primary goal is to provide you with information that can help you understand the vast and complex fraud landscape. […]
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Credit Unions for $100, Alex!
Even though Alex Trebek is no longer the host of the long-running quiz show Jeopardy! he will always be the host in our hearts. In his honor, we decided to release our latest blog post in the form of questions to the answers of 10 facts about Credit Unions, and why they are a brighter […]
Best Use of Your Home Equity Line A home equity line of credit allows you to borrow against the available equity in your home giving you the financial space for larger expenses, or the ability to consolidate high-interest debt on other loans. With the potential for lower interest rates, HELOCs can be a great alternative […]
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Escrow Accounts
Escrow accounts are used to pay property taxes, insurance, and other charges. Your mortgage company usually creates the account for you. Your taxes and insurance are part of your monthly mortgage payment. These are placed in your escrow account. The money stays there until it’s time for the mortgage company to pay your property taxes […]
As real estate markets flourish across the country, current mortgage rates may make it seem like the perfect time to be a first-time homebuyer. For many, owning a home is a big part of the American Dream. There’s a sense of pride and accomplishment in ownership. It can give you greater freedom and privacy, while […]
If you’re a credit union member, then you’ll already know about great benefits like lower loan rates, fewer fees, and higher yields on your savings. But did you know that credit unions also love to give back to the wider community? Radiant Credit Union is proud to support a range of charities and community organizations […]
If you’re thinking about opening a bank account at a new financial institution, you may find yourself weighing credit unions vs. banks. But what exactly is the difference? The difference is, one can save you money on home, personal, and auto loans, help you get higher rates on savings accounts, and offer personalized customer service […]
People who lack experience with credit unions might think they function the same way as banks. While credit unions offer many of the same services as banks, they work differently. For instance, credit unions exist to serve their members, who are also the credit union’s customers. In contrast, banks provide services for customers to earn […]
At a credit union, members aren’t customers – they’re owners. When you choose to take your financial business to a credit union, you become a member of a small, local financial institution instead of a number at a big faceless bank. There are numerous credit union benefits, including lower rates and fees, better service, free […]
Good credit lets you unlock the best interest rates on all kinds of financing, from personal loans to auto loans, home loans, and credit cards. But what can you do if your credit score isn’t so great at the moment? A secured credit card is a simple way to repair bad credit or to start […]
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Guide to Credit Card Balance Transfers
Transferring the balance of your high-interest credit card to a low-interest credit card is often a great way to save on interest and reduce financial stress. Plus, if you transfer multiple balances, you’ll be able to budget more easily with a single monthly payment. But how do credit card balance transfers work? Read on to […]