14 Tips to Avoid Cyber Monday Scams

Posted on December 1, 2013 by Marketing Coordinator Nicole

In the frenzy of limited time offers, last minute sales and one-click shopping, it can be difficult to stay secure while you shop online, particularly on days like Cyber Monday.

Consumers spend about 1.5 billion dollars on Cyber Monday. Coupled with the boom in sales is a predicted increase in the amount and severity of online scamming and data theft.

Will Pelgrin, CEO of The Center for Internet Security (CIS), a non-profit organization focused on improving the cyber-security posture of both the private and public sector, shares a few helpful tips about staying secure online this season.

1. Don’t Click on Pop-up Ads

Though it may seem obvious, malicious pop-up ads still pose one of the largest threats to web shoppers. According to Pelgrin, studies have shown that a large amount of consumers will click on the “ad” regardless of its message. Be mindful of what pop-ups say, it could be evidence of a security threat.

2. Keep Software Up-To-Date

Though many systems automatically update your software as new features become available, it’s important to keep your programs as current as possible. To avoid security holes, update apps and software minimally once a week, as newer versions appear.

3. Use Strong Passwords

An essential part of online security in any sense is using strong passwords. This means no birthdays, dog names or variations of “1234” for any of your accounts. For help making a strong password, check out this guide: How to Create a Secure Password.

4. Install Antivirus and Anti-Spyware software

When shopping, you don’t want others to be able to track what sites you’re visiting and what information you’re entering online. It’s important to make sure you have antivirus software installed on your computer to protect your sensitive financial information.

5. Enable ‘Timeouts’ on Mobile

According to Pelgrin, more and more consumers are doing the bulk of their holiday shopping on mobile phones. If you’re one of those consumers, make sure to enable a lock screen password, in case your device is lost or stolen. “If your phone isn’t timed out, you’re leaving the keys to your kingdom to whoever picks it up,” says Pelgrin.

6. Use a Secure Connection

Pelgrin recommends that any and all online financial transactions take place through a secure, private Wi-Fi connection, as opposed to using the more vulnerable free Wi-Fi in a coffee shop or library.

7. Avoid Email Advertisements

Your inbox is likely swarming with holiday promotions from all of your favorite (and likely least favorite) brands. To avoid being hacked, the CIS recommends you always enter the shop’s URL in your browser, rather than following the links contained in an email.

8. Shop at Companies You Know

Before you buy from a merchant on Amazon, Etsy or Ebay, check their rating and number of sales. Make sure they have good return policies and clearly posted contact information. If worried, you can always check on a businesses legitimacy through the Better Business Bureau.

9. Use Credit, Not Debit

“There are more security protections on your credit card that may not exist while using your debit card, should your info be taken,” says Pelgrin.

10. Ensure Your Site Is Secure

If you are entering your financial information on a webpage, make sure the URL begins with “https” as opposed to “http” or has a lock in your browser’s search bar.

11. Be Wary of Charity Sites

Though the holidays are frequently the most popular time to make donations to charity, Pelgrin urges consumers to check the legitimacy of your charity’s website.

“Fraudulent sites pop up during disasters and holidays like clockwork. Be alert,” he says.

12. Check Your Location and Privacy Settings

Many apps and websites will automatically share your GPS location by default. Sometimes, apps will change your settings once downloaded. Check what services your downloads have access to in your phone’s privacy settings.

13. Check Your Statements Frequently

According to Pelgrin, some hackers will do very low level theft once obtaining your information, charging small amounts to your credit card to avoid detection. Stay on top of your account statements and keep a record of how much you spend and where.

14. Add Browser Extensions and Security Apps

Pop-up blockers and malware detection extensions will add an extra layer to your security this season.

Happy Safe Shopping!

Click here to view the article source by Max Knoblauch of Mashable.

Back to School Shopping Strategies to Spend Smart

Posted on August 15, 2013 by Marketing Coordinator Nicole

So here is the deal: it is impossible to avoid back to school shopping. The plain truth is you need to get certain supplies to make sure your child is prepared for back to school season. This can become quite expensive, as children seem to need more and more every year. But savvy spenders know that there are several tips and tricks you can follow in order to save big. You don’t have to be a shopping guru or expert in order to save, you just need to know where the deals are, and the places you can save a few pennies. Below, you will find back to school shopping strategies to spend smart and save big.

You will find that these tips are simple to follow and don’t require a great deal of know how or time. Give these tips a try and see how easy it is to shop smart and save big. Take a peek!

1. Get your child involved.

Explain to your child what the difference between wants and needs are. They won’t be able to get every single item they want and you should be able to tell them that. Before shopping, make a list with your child based on the list the school provides. Make sure your child understands what they will be getting to prepare them for school and what can wait.

2. Eliminate gimmicks.

Teachers will tell you that things like sparkly erasers, light up pencils, and other fancy items can be a distraction. They are not only a distraction, but they are more expensive than plain items. Instead, forget about these back to school gimmicks and keep things simple. It costs less.

3. Keep your supply list in the car.

While you are running your errands, you will want to keep your list on you should you run into any deals. If you don’t have your list, you could miss out on a hot deal. Keep your list in your car or in your purse so if you come across a sale or a free with rebate deal, you have your list to see if you need it or not.

4. Buy basic supplies in bulk.

You can buy basic supplies such as paper, pencils, and notebooks in bulk. Warehouse stores are perfect for buying these items for less and having enough to sustain you for the rest of the year. Do the math and make sure the bulk price beats the a la carte price before you shop.

5. Negotiate a group discount.

Gather the other parents at school and see if you can rally together to save. A group of parents may be able to negotiate a group discount from a local office supply store. Contact stores in your area and see if they are open to the possibility of this. Then, contact parents and get the ball rolling.

6. Stock up and set up a home store.

Buy items on sale, free with rebate, or in bulk and then gather them in a storage bin. Keep the bin in a safe place where they can be shopped during the year as they are needed. That way, you are not having to run out and buy items during the year, possibly spending more.

7. Help your school and yourself.

Ask if your school participates in a program like OneCause. If so you can shop for supplies often receiving a discount and special coupons. Plus with your purchase, your local retailer will donate a percentage to the school of your choice. It is a win/win!

See how easy it is to save money on back to school? With these back to school shopping strategies you can learn how to spend smart and save big. These tips will help you make the most of your cash and stretch your shopping dollar. Give them a try and see how quickly the savings add up for you!

*Click here to view the article source.

Online Shopping Tips to Prevent Fraud this Holiday Season

Posted on December 12, 2012 by M2 The Agency

Cyber Thieves are officially out these days to steal your credit card information or any other private personal information they can intercept as you shop online during the holiday season. Ongoing awareness of these scams is critical so that you are cautious and informed in order to protect your personal and financial information.

Take a few moments to read over these tips to ensure your financial and personal security:

Be extremely careful when using free Wi-Fi hotspots to shop online, as you may be watched by data sniffers.
Only shop on secure, reputable Websites that: A. You know via other means (the press; you shop at their store) B. Look for “https” in the URL, C. The Website has a small padlock icon in the bottom right corner of your browser or the URL turns green, signaling a “safe” site.
Never offer more personal information to online stores than absolutely necessary (e.g., Social Security numbers, bank account numbers, passwords, PINs).
Never use the same password across multiple Websites, and do not use your name, pet’s name, birthdate, dictionary word or other easily guessed attribute as a password. Use a combination of letters, symbols and numbers and vary upper and lower case.
Leave suspicious Websites immediately (that ask for more information than normal or require you to double enter information).
Do not respond to emails, text messages, and phone calls that advertise the sale of gift cards, holiday gifts, promotions, contests and jobs – unless it’s a reputable company or store you frequently shop at and you know it’s a legitimate advertisement.
Log out of your online accounts when you are not actively shopping, and password protect your smartphone, tablet and laptop in case they do go missing.
You should ensure your home computers are secured with a firewall and antivirus software before performing any online transactions. Operating system patches should be downloaded when made available by software vendors. Make sure you also protect mobile devices (mobile phones, tablets, etc.) used to conduct online transactions by installing anti-virus software.
Use automated account alerts and frequently monitor your credit card charges and bank balances, allowing you to catch fraud immediately.
Only cyber shop on a non-public (e.g., not in a library) computer with a secure Internet connection, updated anti-virus software and up-to-date operating system.
Try to avoid tempting holiday offers, such as free downloadable applications for smartphones, anti-virus software, screen savers, ring tones and electronic greeting cards, which may be infected with viruses and/or malware.
Only donate to known charities and only when you have initiated the gift. Never send money (via check, cash or electronically) based solely on a wall post, email or phone call. Respond to such correspondence by contacting the charity on a reputable phone number or Website.
If you shop on auction sites like Craigslist or eBay you unfortunately you might purchase merchandise that will never be delivered. Be sure to follow the best practices published by Craigslist and other public auction websites to avoid scams.
Fraudsters often place bogus advertisements for free prizes on social media like Facebook and Twitter. We urge you to not respond to these advertisements.

If you take these tips to heart, you will not only save yourself the stress of shopping in person, you won’t have to think twice about doing your holiday buying online. It is crucial that you immediately report any unauthorized transactions to First Financial if you notice any fraudulent activity on your accounts. You can contact us by calling 732.312.1500, e-mailing info@firstffcu.com or stopping into any one of our branches. You can also report scams to the Federal Trade Commission or call toll-free 1.877.FTC.HELP (1.877.382.4357).

Take the Stress Out of the Holidays

Posted on November 6, 2012 by M2 The Agency

As soon as we put away our shorts and sandals, we start to feel the pressure of the holidays creeping in. After all, it will be here before we know it, right? But there are things you can do to have a more enjoyable holiday season, and it all comes down to advance planning.

First, put pen to paper and make a written plan, including gift recipients and a detailed budget – both a total budget and a breakdown of that budget by recipient. Once you have your budget, you can begin matching up gift ideas to that budget, and don’t forget to be creative! When you give yourself enough time, you can even plan to make gifts to save on gift expenses. Plus, people tend to overspend more when they shop at the last minute, making desperate purchases – so give yourself plenty of time to get the items on your list. By shopping early, you give yourself enough time to actually enjoy the holidays – and you can shop from a better selection and with fewer crowds.

As you shop, try to keep your distractions to a minimum. That means only go when you are not tired or hungry or have to keep up with family members. Start with the clearance racks and don’t let a salesperson talk you into something you don’t want. And remember, gift cards or charitable donations can offer a stress-free alternative for you, and can be a welcome gift to the hard-to-shop-for person on your list.

When paying for your purchases, try to use cash so you won’t be tempted to rack up credit card debt, and read any fine print involved with special promotions and offers. Always keep your receipts and ask about the return policy. When you get home with the receipts, include a gift receipt with the gift and keep the original receipt in a secure and organized location.

Get togethers can also be stressful at the holidays. Advanced preparation can help alleviate at least some of that stress. You can begin with a written plan, including dates, menus, travel arrangements and the like. Pin down and make arrangements for all the details of your travel as far in advance as possible, and if you are having house guests, start making preparations early for their arrival, such as any home repairs or other accommodations needed. You can even cook many dishes in advance and store them in the freezer, and you can also enlist the help of family members and friends who will be joining you as well.

When the holidays are done and gone, take a deep breath and relax. Treat yourself to something soothing – and then start saving and planning for next year.

5 Tips for Holding a Frugal BBQ

Posted on August 21, 2012 by M2 The Agency

One of the many joys of summer are BBQs. The aroma of hamburgers and hotdogs grilling, the refreshing taste of lemonade and watermelon and finger licking corn on the cob…can you say YUM?! But as we know, frequent outdoor entertaining can become quite pricey. Here are a few ways to save some money:

1. Bring Your Own

The classic BBQ frugal tip is to have guests bring their own. They can bring whatever type of meat they want — or other items to grill, including fish, veggies, and tofu/soy based meat substitutes. Not only can this save you money, but it also ensures that everyone is happy with the BBQ offerings.

Even if you don’t have your guests bring their own meat, it’s possible to have them bring their own drinks. This is a great way to make sure that everyone has the drink he or she wants, and it can save you money — especially if your guests prefer alcoholic drinks.

2. Pot Luck

Perhaps you want to provide the meat and the drinks. You can reduce your costs in other areas by asking guests to bring something to share with everyone. Assign chips, fruit bowl, veggie tray, buns, condiments, and other items. You can even ask someone to bring the paper plates, napkins, and cups. If you are doing a themed BBQ, ask someone to bring decorations. This will help you save a little money on the affair, and ensure that everyone has a good time.

3. Consider Plastic Dinnerware

If you are serious about providing BBQ entertainment, you can purchase inexpensive, reusable plastic dinnerware. The initial outlay is a little bit more, but you can reuse the plates, cups, and utensils year after year. You won’t have to keep buying the paper versions (which can get expensive). The clean up isn’t too bad, either, as long as you get dinnerware that is dishwasher safe.

4. Carefully Consider Your Meat Purchases

Those who like providing the meat can do so less expensively by taking care to consider what they choose. Bone-in steaks are often less expensive than boneless varieties (and it helps keep the meat from drying out). You can also buy ground beef and form your own patties, rather than buying pre-made patties. Another option is to make kabobs. You use less meat, and more veggies, so you can keep the costs down. Get creative, and you will find that you don’t spend as much money on your BBQs.

5. Buy Your Grill Items Off Season

Finally, if you want to save more money over time, you should buy your grill items in the off season, and on sale. Get a grill in the fall, and you can get it for much less. The same is true of cooking utensils, as well as outdoor furniture and other items. You can also get charcoal, propane and other related items on discount if you are vigilant about prices. Pay attention, and you can save more over time, and reduce the per-BBQ cost of your outdoor entertaining.

Article Source: http://moneyning.com/money-tips/5-tips-for-holding-a-frugal-barbecue/

Back to School Shopping: 10 Ways to Save Your Money

Posted on July 24, 2012 by M2 The Agency

First Financial gathers some easy tips and advice in order for you to save on back to school shopping:

Coupons and Coupon Codes: It’s all about the bargains. When shopping online, don’t forget about coupon codes that you can apply to your cart. Also, remember to look through newspapers and your junk mail to cut out coupons for various items that might be on your checklist.
Get Ahead: Most clearance items go on sale after the season has ended. Take advantage of this opportunity and buy items for the fall and winter even though it may be spring or summer, you’ll be able to save money and use it for the following year.
Use Your uChoose Rewards: All First Financial VISA® Platinum Cash Plus Credit Cardholders are eligible to earn uChoose Rewards on all purchases, which can be redeemable for merchandise, gift cards, and more. For more information login to your uChoose Rewards Account.
Outlet Shopping: Many people forget that large retailers have factory outlet stores. Outlets are great for special deals and markdowns on your favorite brands without paying full-retail price.
Leave the Kids at Home: Parents, you know all about the guilt-trip. Don’t be pressured to buy certain things and wind up spending more money than you have to!
Use Your Smartphone: They’re called “smart” for a reason. For example, the Google Shopper app enables you to scan an item’s barcode and then it shows the prices for the same product at different stores in your area so you can get the best bargain.
Utilize Social Media: While you’re poking around on Facebook and Twitter, make sure you “like” or follow your favorite stores and brands. They often post different deals, coupons, and promotions that are going on.
Sharing is Caring: Buy in bulk and split it amongst the kids, or save it for later on in the school year.
Don’t Forget About eBay and Amazon: Use these sites to your advantage; your kids don’t need the latest and newest technology, they need something that works and is fitting for them. Frequently, these sites will sell items new or barely used for a great price.
Maybe Hand-Me-Downs are Good: Do a little “summer cleaning” and go through your kids’ closets and see what could be passed on to another sibling.

If you need additional assistance paying for back to school supplies and clothing, First Financial offers one of the lowest credit card rates around. To learn more about First Financial’s VISA® Platinum Cash Plus Card and apply today, please visit our credit card page.

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