15 Ways to Celebrate Memorial Day

Memorial Day is so much more than the perfect time to hit the mall or host a family barbecue bash. The real meaning of the day can get lost in the official kickoff of summer, but it’s important to take some time to acknowledge the service members who gave their lives to protect our country. Here are 15 ways to celebrate Memorial Day this year.

  1. Fly the American flag

Memorial Day is the perfect time to fly the red, white and blue, so let that star-spangled banner fly! If you have a flagpole, consider lowering the flag to half-mast from dawn until noon as a sign of your respect. You can also hang smaller flags around the house and lawn, or go all out and deck the house and yard in red white and blue. Be sure your flag is in good repair to show proper respect. If it’s old and worn, it’s time for a new one, and to dispose of the old one properly. The American Legion has drop-off boxes for old flags at every hall.

  1. Brush up on your knowledge of American history

Take some time this holiday to broaden your knowledge of American history. Learn about the major events that shaped our country and read up on why we celebrate Memorial Day each year as well as how it’s different from Veterans Day.

  1. Take a moment of silence

However you spend your Memorial Day, you can take a moment of silence at 3 p.m. for The National Moment of Remembrance. Spend that time sending your thoughts of thanks and prayers to all U.S. veterans and prayers to the active soldiers serving our people now.

  1. Watch a patriotic movie

It can be difficult to really understand the sacrifice of our servicemembers. Watching a patriotic movie, like Black Hawk Down,The Longest Day or The Outpost can help you feel their stories and appreciate what they do for our country. 

    Place flowers for soldiers’ graves

There’s no need to travel to Arlington Cemetery this Memorial Day to show your respects for the soldiers of the U.S. military. Instead, you can bring flowers to the veteran cemetery in your town and place them on a soldier’s grave. If your town or city does not have a veteran cemetery, you can make a donation to Memorial Day Flowers, a foundation that places flowers on the graves of soldiers. You can also visit  

  1. Volunteer

Do something for someone else in the spirit of Memorial Day today. You can help an elderly neighbor, pay it forward to someone at the coffee shop, volunteer at a soup kitchen or find another way to spread kindness by doing something selfless in honor of our servicemembers.7. Shop at a veteran-owned businessIf you plan to do any shopping or eating out this Memorial Day, you may want to patronize a business that is owned and/or operated by a veteran or military family to show your support. You can find a complete list of veteran-owned businesses here.8. Learn how to play a patriotic songDig out the guitar, dust off the piano and learn how to play a patriotic song in honor of Memorial Day. You can learn God Bless America, Color Me America or the National Anthem.9. Take a virtual tour of the White HouseIn the digital age, you can take a tour of the White House from your living room sofa. You’ll find a full virtual tour of the White House at Google Arts & Culture. You’ll learn all about the building’s architecture and about the historic events that took place in each room of the house.10. Create patriotic chalk artGet out the sidewalk chalk and create some beautiful patriotic-inspired art on your driveway or the sidewalk in front of your home. You can draw a flag, a mural or even a thank you message to your local veterans.11. Write letters to soldiers and their familiesShow your kids that Memorial Day is more than just a day off of school by having them write letters to active soldiers and veterans. You can bring your letters to one of A Million Thanks drop-off locations.12. Listen to veterans’ storiesGet a feel for the veterans’ stories by listening to a memoir like Band of Brothers or The Things They Cannot Say.13. Donate to a military causeLook up some trusted military charities and nonprofits, and then choose one that most speaks to you. This includes supporting wounded soldiers, families who’ve lost loved ones in combat and so much more. Be sure to check a charity’s authenticity on a verification site, like CharityNavigator, before making a donation.14. Put together care packages for soldiersOperation Gratitude hosts several events over Memorial Day weekend. You can donate toys to kids who are living in combat zones, host a neighborhood fundraising event or collect toiletries for the troops.15. Attend a Memorial Day paradeFind a local Memorial Day parade and join the festivities in the spirit of the day.Celebrate Memorial Day with more than just a fabulous shopping spree and the barbecue of the year. Use these ideas to commemorate this day and honor the members of the U.S. military.TikTok Inspo: How are you going to celebrate Memorial Day this year? Tell us about it in a short video.

7 Financial Lessons You Can Learn from Baseball

Batter up – it’s baseball season! Time to polish that mitt and get the old pitcher’s arm warmed up for some heated games. But there’s so much more you can learn from baseball than the tricks to throwing that perfect curve ball or hitting a grand slam. America’s national pastime can actually teach you valuable lessons in money management as well. Let’s take a look at seven financial lessons you can learn from baseball.

  1. Three strikes, and you’re out

We all drop the ball sometimes, but you only have two chances to make mistakes before the consequences become dire. For example, missing one or two credit card payments isn’t the end of the world. You’ll need to pay a late fee and your score will probably dip. However, missing three months of payments can have a far more significant impact on your financial health. First, creditors will likely hand over your debt to a debt collection agency. Your score will likely plummet. Lastly, many creditors will terminate your account after three or more months of missed payments. 

Don’t miss those credit card payments. Three strikes, and you’re out!

  1. Singles and doubles can help win the game

Everyone would love to play or watch a game where your team only hits homers, but that never happens. Don’t throw in the towel when you only hit a single or a double – those can help win the game, too. 

When it comes to money, every dollar saved and earned adds up. Don’t fall into the mistake of thinking it only pays to save big bucks. Every little bit can help you build your nest egg and reach your financial goals. Earning money works the same way, with side hustles that bring in extra pocket money making a real difference to your monthly budget. 

Aim for the home runs, but remember that singles and doubles can help win the game. 

  1. It’s a long season

It’s easy to get disheartened after a long game, but nearly every team will have to pick themselves up and get back in the game after a loss. The best way to keep your spirits up after losing a game is to remember that it’s a long season and your team can turn things around to win other games – and maybe even take the championship. 

The same holds true for your finances. You likely won’t experience ongoing financial success without having a setback or two. Your investments may plummet, you can lose a job or face a surprising expense. Don’t let these difficulties take you out of the game! 

Remember: it’s a long season and you can always rally from a loss or losing streak. 

  1. Strike out swinging

In baseball, you can strike out by sitting out a good pitch that hits the strike zone, or by trying to hit a ball and missing. In fact, Ty Cobb, who holds the highest career batting average of all MLB players in history, had a .366 batting average. This means he got a hit in just 3.5 of every 10 at-bats. This tells us that even the best baseball players miss about twice as many opportunities as those they don’t. 

Finances work in a similar way. You may miss more at-bats than you hit, but you’ll only see true success if you swing at that ball. Look for investment opportunities, avenues for career growth and other ways to improve your financial circumstances. 

Keep trying, and you may just turn out to be the best player on the field. 

  1. Know your stats

As Billy Chapel (played by Kevin Costner) says in the movie, “we count everything” in baseball. Among those many things, players carefully track their performance metrics, like their batting average, on-base percentage and earned run average. This allows them to gauge their effectiveness on the field and find their weak spots. They can then identify the areas needing improvement and focus their training on improving their game in a targeted manner. 

Similarly, ignorance is never bliss when it comes to your finances. Make sure you are fully aware of your financial stats, such as your net worth, credit score and debt-to-income ratio. This will enable you to keep on top of your financial health, find your weak spots and work on improving them before they spiral out of control. 

Know your financial stats so you can play your best game. 

  1. Practice discipline

Baseball players spend an inordinate amount of time honing their skills and perfecting their craft. This enables them to perform at their best when it matters most. All of that training really pays off when they make the hit that wins their team the game. 

Successful money management requires similar degrees of discipline and commitment. Stick to a budget, try to avoid unnecessary expenses and prioritize saving and investing for your future. By staying disciplined and focused on your financial objectives, you can build a solid foundation for long-term financial success.

Discipline wins the game!

  1. Adapt to change

Baseball teams must adapt to changing game situations, opponent strategies and player injuries to stay competitive throughout the season. 

With your finances, too, you must be prepared to adapt to changes in your financial circumstances, such as job loss, market fluctuations or unexpected expenses. Build flexibility into your financial plan, and learn to roll with the punches. Keep a robust emergency fund to get you through any major changes as well. 

Learn to adapt for ongoing wins. 

Baseball is so much more than just a fabulous springtime sport. Use this guide for important financial lessons you can learn from baseball. 

TikTok Inspo: What does baseball teach you about your finances? Share your favorite financial lessons to learn from baseball in a short video. 

What Kind of Home Improvement Projects Will Add Value to My Home?

Q: I’m doing some work on my house this spring, and I’m wondering how I can increase my home’s value along the way. What kind of home improvement projects can add value to my home?

A: Renovating your home with an eye toward its future value can help you recoup the costs of the project – and then some. Here are six home improvement projects that can increase the value of your home.

  1. Kitchen remodel

The area of the house that will give you the largest return on investment is definitely the kitchen. It’s often where realtors and interested buyers spend the most time when checking out a new home. It’s also the common gathering area for many households, so a modern and pleasing area is appealing to many would-be buyers.

The most recent Cost vs. Value Report shows that a minor kitchen remodel involving cosmetic changes like new floors, cabinet fronts and appliances, can bring a return on investment (ROI) of 85.7%. To illustrate this, a kitchen remodel of $26,790 can add $22,963 to a home sale.

If you do go with a kitchen remodel, be sure to keep costs down. A major remodel, such as replacing cabinets, adding custom lighting and expensive appliances,  will likely not return as much as a more modest renovation.

  1. Bathroom remake

Next up, the bathroom. Potential buyers tend to pay these areas of the home extra attention when scouting out a house. Updated walls, floors and fixtures in the bathrooms can really make your home more marketable. Plus, you can charge more for your home when the bathrooms have been remodeled. According to the RenoFi Renovation Index, a mid-range bathroom remodel has an ROI of 64%, while an upscale remodel can net you a 56% return. 

  1. Upgrade your insulation

Improving your home’s insulation generally pays for itself when you sell your home, according to the Remodeling Impact Report. However, in addition to breaking even on the cost of the project, your home will feel warmer each winter while lowering your energy bills until it’s time to sell.

  1. Basement conversion

Converting a basement into a liveable area can be another fabulous way to increase the value of your home.  According to the National Association of Realtors, a basement conversion can cost an average of $57,500 and bump your home up by $49,250 for an ROI of 86%. 

  1. Replace your siding

New siding will boost your home’s curb appeal and will usually pay for itself. It can also help protect against leaks, mold, rot and pests, while improving your home’s insulation, too. The exact ROI will vary, depending on the material you choose: new vinyl siding can give you a 67.2% to 82% ROI, fiber-cement siding can get you 68.3% to 86% ROI and manufactured stone veneer can land you with 91.4% ROI.

  1. Replace your roof

With a roof replacement being one of the most expensive jobs a homeowner can face, a new roof can significantly boost your home’s resale value. According to the 2022 Remodeling Impact Report, a new roof at $12,000 will easily pay for itself. However, a larger, metal roof, at $52,436, will only boost a home’s value by $28,196, netting you a 54.8% ROI.

What determines if a renovation will add value to your home?

In addition to the type of remodeling job, several other factors can determine if home improvements will increase the value of your home, including: 

  • The current real estate market
  • Your home’s location and neighborhood
  • Trending styles in home décor
  • The quality of the work
  • Materials used in the remodel
  • Buyer preferences

Are there any home renovations that can decrease the value of my home?

Surprisingly, yes, there are some remodeling projects that can lower the value of your home. This includes renovations that are highly personalized that may not suit a prospective buyer’s taste. Another remodel that falls into this category is the destruction of a popular feature for one that may not be as desirable an option, such as converting a guest suite into a home studio. Finally, remodels that require ongoing maintenance, such as built-in electronics, may be a minus on a buyer’s list.

When doing renovations, it’s also a good idea to ensure that your home improvements fit in with the general character of your home and of the neighborhood. You don’t want the futuristic kitchen to stand out in a home that’s still decked out in the elaborate décor of the ‘90s, or for your stucco-sided home to be the odd one out on a block of vinyl-covered homes.

While it’s fine to indulge your taste and preferences if you plan to stay in your home for many more years, if you anticipate selling in the near future, it’s best not to undertake a remodel that can lower your home’s value on the market.

Are you looking to fund a home improvement project through a HELOC? Call, click or stop by Advantage One Credit Union today to get started. Our favorable rates, generous eligibility requirements, and easy terms, make a Advantage One Credit Union HELOC a great choice. 

TikTok Inspo: Have you improved your home’s value through a home improvement project? Show it off in a short video.

Don’t Get Caught in a Weight-Loss Scam!

Those New Year’s resolutions are already collecting dust, but with beach season fast approaching, you may be desperate to finally shed some pounds. Watch out! Scammers know this, and they’re out to trap you in one of their ruses with the promise of rapid, guaranteed weight loss that’s practically effortless. 

Don’t fall into their trap! Let’s take a look at the various weight-loss scams, red flags that can alert you to a possible ruse and steps you can take to avoid getting scammed.

Types of weight-loss scams

Weight-loss scams come in all shapes and sizes. Here are some of the more common weight loss scams:

  1. Pseudoscience and gimmicks

Many weight-loss scams hide behind pseudoscientific jargon or use gimmicky gadgets to lend an air of legitimacy to their claims. Terms like “metabolic boosting,” “fat-burning zone,” or “cellulite-blasting technology” may sound impressive, but they generally lack credible scientific evidence.

  1. Hidden costs and auto-billing

Some scams lure consumers in with free trials or low introductory fees. Once the victim is part of the program, they’ll be hit with steep fees and membership dues. The “weight-loss program” will also require you to sign up for auto-billing and make it difficult or impossible for you to cancel your membership.

  1. Magic pills and supplements

These products claim to melt away fat, suppress appetite or boost your metabolism with little to no effort required. Unfortunately, though, many – if not most – of these supplements are unregulated and may contain harmful ingredients or ineffective doses.

  1. Extreme fad diets

Fad diets come and go like trending memes. From beet juice cleanses to food plans consisting solely of cabbage soup, these diets promise super-rapid weight loss by severely restricting calorie intake or eliminating entire food groups. While they may result in short-term weight loss, fad diets are generally unsustainable and can lead to nutritional deficiencies and long-term health complications.

How can I spot a weight-loss scam?

Look out for these red flags which can alert you to a possible weight-loss scam:

  • Specific time frames and goals. If a weight-loss product or plan promises that you’ll lose a specific number of pounds in a set amount of time, run the other way and don’t look back. No one can tell you you’ll lose 10 pounds in a week or melt three inches off your waist without exercise. 
  • Free or low-cost introductory period. Be extra-wary of a weight-loss program that offers membership for no or at low cost for a short time, but requires you to sign up for a long-term membership. 
  • Manipulative marketing tactics. Scammers often prey on individuals’ insecurities and emotions, using before-and-after photos, bogus celebrity endorsements and fabricated testimonials to create a sense of urgency and desperation. This emotional manipulation makes it difficult for consumers to separate fact from fiction.
  • Lots of scientific jargon. If you can barely make heads or tails of the copy on the weight-loss ad, you may be looking at a scam. 
  • ‘Detox’ language. Don’t automatically believe an ad that tells you our bodies need outside help to get rid of natural toxins. The body actually has a built-in filtering system through the liver, kidneys and other organs. Eating lots of produce, fiber and exercising regularly can help your body clean out toxins in an effective manner.

How to avoid weight-loss scams

If you’re looking to join a weight-loss program and getting scammed is not on your to-do list this month, follow these steps to stay safe:

First, stay clear of any program that features any of the red flags described here. Next, carefully research any program you are considering by looking up online reviews, reaching out to previous participants and searching the program name with the word “scam” to see what the internet spits out. Don’t sign up for auto-billing unless you see a clear and reasonable cancellation policy. Finally, if you’re still stuck, consult with a professional, such as a registered dietitian, certified personal trainer or health care provider for personalized guidance and support on your weight-loss journey.

Shedding those stubborn pounds is never easy. Scammers want you to believe there’s an easy way out, but all you’ll lose by signing up for their bogus programs is a boatload of money. Use the tips outlined here to stay safe.

TikTok Inspo: Can you scam us? Try to pull us into a weight-loss scam in a short video.

5 Ways Entrepreneurs Can Leverage AI to Grow Their Business

In the dynamic landscape of modern entrepreneurship, staying ahead of the curve is crucial for ongoing success. With the rapid advancements in technology, entrepreneurs are finding new and innovative ways to propel their businesses forward. Particularly, the explosion of artificial intelligence (AI) in recent years offers business owners a revolutionary way to streamline their operations so they can focus on growing their business.  

Let’s take a look at five ways entrepreneurs can leverage AI to grow their business. 

  1. Data analysis and insights

In today’s digital age, vast amounts of data are generated every second. Entrepreneurs can use this data to understand and track consumer behavior, market trends and business performance. AI-powered analytics tools can sift through this data rapidly, uncovering patterns and correlations that would be impossible for humans to discern alone. By harnessing these insights, entrepreneurs can make data-driven decisions to optimize operations and drive growth.

  1. Customer service and engagement

Chatbots, powered by AI algorithms, are becoming increasingly sophisticated in their ability to interact with customers in real time. These virtual assistants can handle inquiries, provide personalized recommendations and even complete transactions autonomously. For entrepreneurs, this means delivering round-the-clock support to customers while reducing overhead costs associated with traditional customer service channels. This can help foster loyalty and retention while ultimately driving business growth.

  1. Product development and innovation

Machine learning algorithms can analyze vast datasets to identify market gaps, predict future trends and generate new product ideas. By leveraging AI in product development, entrepreneurs can stay ahead of the competition and capture new market opportunities.

  1. Marketing strategies

Traditional marketing methods tend to rely on trial and error, which often leads to a waste of resources and too many lost opportunities. But AI is changing all that. AI-powered marketing platforms can analyze massive amounts of data to identify the most effective channels, message content and timing for reaching and resonating with target audiences.

  1. Automate administrative tasks

Finally, and perhaps most importantly, AI allows business owners to automate the repetitive, administrative tasks that eat up so much of their workday. By automating these tasks, entrepreneurs can improve their efficiency, reduce errors and scale their operations for maximum reach. This also frees them up to pursue new avenues of growth for their businesses.

AI is changing our world, and the business landscape is no exception. Use the tips outlined here to learn how you, too, can leverage AI to grow your business. 

TikTok Inspo: What did you think of this snapshot of AI? Share your opinion in the comments. 

5 Ways to Spring Clean Your Savings

It’s that time of year again: Time to clean out those closets, polish that furniture and clear out that clutter for good! As you work through your home, banishing dust bunnies and organizing your spaces, don’t forget to take a good look at your savings, too. Spring is the perfect time of year to review your saving habits and spruce up your saving goals.

Here’s how to spring-clean your savings in five easy steps.

  1. Assess your saving habits 

First, take stock of how much you’re putting into your savings each month. To do this, take a look at your monthly budget and review your expenses and income. Experts recommend setting aside a minimum of 20% of your monthly income toward savings, though it will vary by individual or household circumstance. Does your regular savings amount to that or at least close to it? If you believe you should be setting aside more of your monthly income toward savings, take a close look at your expenses to look for ways to cut back. Get rid of any subscriptions you don’t use, including relatively small payments for apps you really don’t need. Remember: Every little bit adds up. 

Spruce up those savings!

  1. Consolidate and simplify accounts

Next, take a look at the places you keep your money. If you have multiple savings accounts, retirement accounts or investment accounts, consider consolidating them to streamline your finances and reduce the hassle it takes to manage them all. Be sure to compare fees, interest rates and other features before making any changes.

Clean up those accounts!

  1. Reevaluate your financial goals

Take the time this season to review your saving goals. What are your long- and short-term saving objectives? Do you still want to save up for them? If yes, are you on track to reach your goals on schedule? Do you need to make any changes to the amount you set aside each month, or to the timeline? If you no longer need or wish to save up for the goals you chose in the past, consider setting new ones at this time. Think of your future wants and needs, as well as small pleasures you’d love to enjoy in a few years, or even a few months. For example, your saving goals can include a down payment on a home, a new car, a recreational vehicle like an ATV or a boat, a dream vacation or funding for a wedding. 

Get those goals sparkling!

  1. Automate your savings

Now that you have your saving goals clearly defined, it’s time to make it happen by itself. Set up automatic monthly transfers from your checking to your savings account(s) so you never forget to feed your savings. You can specify the amounts you’d like to put into each account and choose the day of the month that works best for the transfer. Things are always more likely to happen when you set up a stress-free way to facilitate the process.

Make that monthly transfer shine!

  1. Use a savings app

Bring your savings to the 21st century by harnessing the power of a savings app. You can choose from any number of money management apps, like YNAB, which will allow you to track your savings, review and analyze your spending habits and help you stick to your budget each month without fail. Savings apps, like Acorn, will take it one step further and actually allow you to invest and save in the app. Taking your savings to the digital level will make you more likely to stick to your goals. 

Spiff up those saving apps!

Spring is in the air, and it’s time to make your savings sparkle again. Use the tips outlined here to clean up your savings to benefit your short- and long-term financial health. 

All You Need to Know About Spoofing Scams

Scammers have been at their game since time immemorial, but modern technology has weaponized them in new and dangerous ways. In particular, spoofing has become more sophisticated and difficult to spot. Let’s take a look at spoofing, how it works and red flags that can alert you to a possible spoofing scam.  

What is spoofing? 

Spoofing is the criminal act of disguising a communication from an unknown source to appear as if it’s being sent from a trusted and known contact. The ultimate goal of spoofing is to get the target to share their sensitive information and/or their money with the scammer. For example, a spoofer may pretend to represent a victim’s credit card company and lead them into sharing their account details.

Types of spoofing

Cybercriminals have a variety of ways to pull off their spoofing. Here are the more common forms: 

  1. Email spoofing

In email spoofing, an attacker sends an email message appearing to be from a known or trusted source. The emails typically include links to harmful websites or attachments that will infect the victim’s device with malware. Alternatively, the scammer may use social engineering to persuade the recipient to share sensitive information. 

  1. IP spoofing

In IP spoofing, an attacker tries to gain access to a system by sending messages via a bogus or spoofed IP address, which appears to be from a recognized, trusted source, such as one on the same internal computer network. The spoofed IP address will mask the true source, which is a third party that is out to infect the victim’s device with malware and steal their information.

  1. Caller ID spoofing

Here, attackers make a phone call to a target that appears to be from a known caller. The scammer will often pose as the victim’s bank or credit union. The victim, believing they are speaking with a representative of their financial institution, will disclose their account information and even passwords, which can lead to the scammer emptying their accounts and/or stealing their identity. Sometimes, the scammer will provide the victim with a phone number to call, which will allegedly connect them with their bank or credit union. This number, of course, will only connect the victim to a scammer.

4. Facial spoofing

In this most recent form of spoofing, a scammer uses a photo or video of a target’s face to simulate their facial biometrics. This enables them to unlock accounts that can only be opened via facial recognition.

5. Website spoofing

In website spoofing, a scammer will create a bogus site that looks just like a reputable website that the victim often visits. Attackers will lure victims to this site for the purpose of stealing their login credentials and personal information.

  1. Text-message spoofing

In this scam, also known as smishing, a victim will receive a text message on their personal device appearing to have been sent via a trusted source, such as the victim’s financial institution, place of work or doctor’s office. The text will ask the victim to share personal information. They’ll often do so, mistakenly believing the sender of the text message to be who they claim to be.

  1. Man-in-the-Middle (MitM) attacks

There are three players involved in MitM attacks: the victim, the party the victim is attempting to communicate with and the “man in the middle”, otherwise known as the scammer who is intercepting the communications. In these spoofs, the scammer tries to eavesdrop on the interaction between the victim and the other party. Alternatively, they may try to impersonate the other party to get at the victim’s personal information.

Deepfakes and spoofing

Deepfakes is a relatively new and dangerous tool for spoofers. A deepfake is a fake image, video or audio clip that has been edited to appear authentic. For example, a scammer may create a deepfake video using an image and audio recording of a celebrity and make it appear as if they are telling you to open a link or support a specific cause. 

Scammers use deepfakes to trap victims and appear as if they represent a trusted source.

Protect yourself

Spoofing is a formidable danger for consumers across the economic spectrum, but with the right tools and knowledge, you can avoid falling victim to these scams. Here’s how to protect yourself from a spoofing attack:

  • Turn on your email’s spam filter and be sure to mark incoming emails that look suspicious as spam. 
  • Use two-factor authentication and/or biometric logins when possible.
  • Use strong, unique passwords across all of your accounts.
  • Make sure your device’s security system is at its strongest setting and uses the most updated patches. If you haven’t already done so, it’s worthwhile to invest in robust security software. 
  • Never click on links or open attachments that are sent from an unverified source. 
  • Never share personal information online or over the phone with an unknown contact.
  • If you’re allegedly contacted by your financial institution and asked to provide your login credentials or account details to fix a supposed issue with your account, don’t respond. Instead, delete the message or abort the call and contact your bank or credit union directly to ask about any possible issues with your account. 
  • Don’t take phone calls at face value, even with caller ID. If you suspect foul play, Google the phone number presented on the caller ID to see if it’s associated with scams.
  • Consider an app, like Hiya, that filters out known scammers, spoofers and other nefarious numbers.  
  • Opt to display file extensions in Windows. This will enable you to view any spoofed extensions so you can avoid opening malicious files.
  • Identify deepfakes by looking for small details that give them away. Zoom into the image or video to verify if the words and lip movements are in sync. Look for lip color that looks unnatural, unrealistic facial hair, exaggeratedly wrinkled or smooth skin and non-existent moles. 

Red flags

Look out for these red flags that can alert you to a possible spoofing attack:

  • Websites with a URL that is very similar to the URL of a reputable site.
  • Websites riddled with typos, unusual syntax and spelling errors.
  • An alleged rep of your bank or credit union asks you to call a number that is not associated with your financial institution.
  • You’re asked to share your login credentials or account number with an unverified contact.
  • Familiar corporate branding, such as logos, colors and call-to-action buttons within a message asking you to take an action that is not typical.

If you’ve been targeted

If you believe you’ve shared sensitive information with a scammer through a spoofing attack, there are steps you can take to mitigate the damage. 

First, contact your financial institution to let them know about the attack. You may choose to place a credit alert or a credit freeze on your accounts, which will make it difficult or impossible for a scammer to open a line of credit or take out a loan in your name. If you believe your identity has been stolen, check out identitytheft.gov to learn what your next step should be. Finally, change the passwords on all your accounts to protect them from further attacks.

Spoofing has gotten a lot more dangerous in recent years, but with proper awareness and basic protective measures, you can avoid getting scammed. Use the tips outlined here to stay safe. 

TikTok Inspo: Can you scam us? Try to spoof us using the details described here. 

Best Times to Buy-Mattresses

Are you feeling exhausted after another night spent tossing and turning while searching for that perfect spot on your mattress? Back aching from sleeping on a mattress that has long since passed its prime? If this sounds familiar, you may be in the market for a new mattress. But who wants to blow big bucks on a purchase when they don’t have to?

We’ve got the goods for you on mattress-shopping. Here are the best times of year to buy a mattress, as well as general mattress-buying tips to ensure you truly get the biggest bang for your buck. 

Late winter to early spring

New mattress models will hit the warehouses in March or April, so shopping for your new mattress just ahead of these rollouts will help you score a great deal on the older models or floor samples, straight from the showroom. A floor model can save you as much as 50% off the price. To find that elusive, hot deal on an older model mattress, you can ask a store manager when they plan to turn over their showroom to newer models.

Three-day holiday weekends

If you missed the late-winter-to-early-spring mattress season, don’t lose any sleep over it! There are three more times a year when you can snag an awesome deal on a mattress: the weekends of Presidents’ Day, Memorial Day and Labor Day. These three holiday weekends tend to feature major price drops on all kinds of big purchases, and mattresses are no exception. Check retail sites at the beginning of the month for the start of these sale events, as most will run for several weeks. Don’t forget to layer manufacturer coupons with in-store sales for maximum savings. 

Major holidays

Finally, if you’re in desperate need of a new mattress, and the calendar is too far away from any of these sale dates, you can also pick up a great deal on nearly any other major holiday, including Independence Day, New Year’s Day and Black Friday. Discounts generally won’t be as steep as they are during the aforementioned three-day holiday weekends, but you can still find the mattress of (and for) your dreams at a discounted price.

Mattress-buying tips

Whenever you decide to pick up your new mattress, you’ll want to ensure you’re buying the one that best suits your preferences and needs. Follow these tips to get yourself a mattress you won’t regret buying. . 

First, decide if you’d like to buy your mattress in-store or online. There are pros and cons to each choice. Buying a mattress in-store will give you the opportunity to try it out before making your purchase. Most retailers will allow you to do this so you can test the firmness level of the mattress. Buying in-store may also enable you to get your mattress delivered faster, often on the same day you buy it, or on the next day. However, you may have a shorter return policy and/or warranty. 

On the flip side, online purchases offer convenience, lengthy sleep trials of up to 90 days and warranties of 10 years or longer. Be sure to check independent reviews, though, to be sure the mattress you’re buying fits your needs.

Next, look for a retailer that will guarantee its price. Some sellers will refund you the difference if the mattress you bought goes on sale within a specified period of time after your purchase. 

Once you’ve found your mattress, it’s time to negotiate. Yes, you can haggle on the price of your mattress. If the price is still too high, try to get the manager or clerk to bring it down. You may be pleasantly surprised by how much they’re willing to budge.

Finally, pay attention to the price, not just the percentage off. Make sure you check out the manufacturer’s price to be sure you’re getting a good deal. For example, 40% off an exorbitantly expensive mattress might not be that big of a bargain after all. 

It’s time for a new mattress, and we’ve got the goods to help you rest easy without draining your wallet! Follow these tips for the best times to buy a mattress and tips on getting the perfect deal.  

When is a Bargain Not a Bargain?

Q: I’m a bargain-hunting beast who can’t resist a good sale. But lately, I’ve been wondering: Is every marked-down item a great purchase? When is a bargain not a bargain?

A: You are absolutely right. Not every bargain is actually a bargain. Sometimes, you may actually be worse off buying the marked-down item than giving it a pass. Unfortunately, though, it can be hard to spot the bogus bargains from the genuine finds. Here are five times when a bargain will actually cost you.

  1. When you hadn’t planned on buying the item

If you find a new home speaker system marked down from $399 to $249, you just scored a great deal, right?

Wrong. If you were not out shopping for a new stereo and you hadn’t planned on purchasing one at any time in the future, you haven’t saved $140, you’ve spent an unplanned $249.

Before you buy, ask: Would you buy this if it was not “a great deal”?

  1. When you can’t afford it

If you can’t pay for this item with cash today, it’s likely not a bargain. Blowing money you don’t have on a purchase just because it’s on sale is a great way to break your budget and weaken your financial health. In general, don’t buy it if you can’t pay for it today.  

The one exception here is if you’ve been saving up for a large purchase and you’ve almost reached your goal when it goes on sale. If buying the item early can save you 25% or more off the usual price, and you have most of the funds saved up, it may be a good idea to purchase the item on credit. Pay off most of the bill as soon as you can with the funds you’ve saved and be careful to meet, at least, the minimum monthly payments, using the money you would otherwise have put into savings for the purchase. However, before going this route, run the numbers and make sure the interest you’ll be paying on this item won’t be higher than the amount you save off the purchase price.     

Before you buy, ask: Can I really afford this?

  1. When it’s a faulty product

Sometimes, what’s too good to be true, truly isn’t. If a price is glaringly lower than its market price and you can’t find this item marked down nearly as much through any other retailer, there may be something sketchy about this sale. You can be looking at a knockoff that will look and perform like the cheaply made bogus product it is, or you may be buying someone else’s heavily used item that is being sold as a brand-new product. In the worst-case scenario, you may be dealing with an actual scammer who is after more than your money. If the alleged seller asks you to share your credit card information over the phone  or through an unsecured website, and/or demands that you disclose other personal details, such as your date of birth or Social Security number, you’re likely dealing with a scammer.

Before finalizing a purchase, especially on a heavily marked-down item, take these steps to avoid getting scammed:

  • Research the seller. Look for a street address on their website and for reviews and ratings from previous buyers. 
  • When buying something pricey from a private seller, don’t agree to pay for a purchase before you see the product. Look for structural defects and a manufacturer’s label to see where the item was made. Finally, look for signs of heavy use. 
  • Never wire money or pay via prepaid gift card to an unverified seller. 

Before you buy, ask: Is this a quality product or worthless junk?

  1. If there’s a cheaper alternative

Don’t assume every bargain you encounter is truly being sold at the lowest price you can find. Before you plunk down your money on a large, marked-down purchase, do some research. Look up this item online and see if it’s being sold through other retailers at an even lower price. Depending on the item, you may also find a generic version of the product that does the job well for a fraction of the cost. 

Before you buy, ask: Can I find this at a cheaper price somewhere else?

  1. If it’s not really a bargain

Not every sale is actually a sale. Retailers will often inflate the “original price” they print on a price tag to make it appear as if the current price is a genuine bargain. To spot an actual marked-down product, look for an older price tag that has been topped by a newer tag sporting the sale price. 

Another way a bargain is not a bargain is when you opt for a BOGO deal or “buy one get one at half-price” when you actually only need one of the items. If you find yourself falling for one of these sales, and you know you don’t need the second item, take a step back and ask if you’d still buy this item at this price if you’d only walk away with one of them.

Before you buy, ask: Is this actually a bargain?

When shopping sales, sometimes, you may get more than you bargained for. Use this guide to learn the five times a bargain is not a bargain.

TikTok Inspo: Try to sell us a bargain-priced item that’s not really a bargain. 

No Worries: How to Live a Stress-Free Financial Life

Title: No Worries: How to Live a Stress-Free Financial Life 

Author: Jared Dillian

Hardcover: 260 pages

Publisher: Harriman House

Publishing Date: Jan. 23, 2024

Who is this book for? 

  • Anyone who’s tired of hearing small money tips that drain the joy from life just to save a few bucks.
  • Readers of any financial background who are looking to change their attitude toward money.

What’s inside this book?

  • Finance expert Jared Dillian’s advice on how to leave the scarcity mentality behind and get on living.
  • An outline of the three big decisions that shape your finances along with guidelines on how to make them right. 

4 lessons you’ll learn from this book:  

  1. How to adopt the right attitude toward money.
  2. How to ace investing with the set-and-forget Awesome Portfolio.
  3. The most effective ways to use credit cards.
  4. What’s gone wrong with student loans and how to use them sensibly.

4 questions this book will answer for you:  

  1. How does the right kind of abundance mindset work?
  2. How can I purge the urge to splurge?
  3. How can I get my finances in shape without a big increase in income?
  4. How can I stop stressing over money?

What people are saying about this book: 

“In a world that embraces conformity and convention, Jared Dillian is an independent thinker with a unique voice. He has truly worthwhile insights and understandings.” ― Gregory Zuckerman

“There are many ways to get rich these days, but most of them involve taking huge risks or getting extremely lucky. Jared Dillian skillfully takes us down an alternative pathway to getting what we want―wealth without astonishing feats, security without trade-offs. No matter where you’re starting from, No Worries has something to teach you.” ― Joshua M. Brown

“A fierce and formidable talent. No Worries is the new gold standard for personal finance literature. This book will help ordinary people take charge of their money and minimize their financial stress for decades to come.” ― John Mauldin

“This is the best personal finance book I have ever read and the only one you need. Dillian clearly explains how a few big decisions will eliminate financial stress from your future. And he explains why the majority of mainstream financial advice will turn you into an unhappy CF. If you want to be free of financial stress and live a rich and fulfilling life, read No Worries.”

― Brent Donnelly 

TikTok Inspo: What did you think of No Worries: How to Live a Stress Free Financial Life? Share your opinion in the comments.