Give a Toy to Share the Joy!

trainlogoInsight is proud to support the U.S. Marine Corps Reserve as they bring hope and holiday cheer to less fortunate children through their Toys for Tots program.

Help us share the joy of the holidays! Simply bring a new, unwrapped toy to any of our branches by Friday, December 9. We’ll make sure your donations are delivered to well-deserving children in time for Christmas.

If you or someone you know is experiencing a difficult time, you can request toys on the Toys for Tots website. Click on “Request A Toy” and follow the instructions to find the Toys for Tots campaign in your local area.

5 Tips to Host Thanksgiving on a Budget

Thanksgiving Dinner.jpgThere’s no doubt that the holiday season can be expensive, and maybe a lavish Thanksgiving feast just isn’t in the books for this year. If you’re not riding the gravy train, it’s still possible to cook a delicious Thanksgiving meal that doesn’t cost you an arm and a (turkey) leg. Here are some easy as pie tips to help you host a wonderful Thanksgiving on a budget!

  1. Make it a potluck. You don’t have to tackle the whole menu by yourself! In the true spirit of Thanksgiving, get everyone involved and ask them to bring one of their favorite dishes. Just keep a list of everything that everyone is bringing so you can make sure to have all of the Thanksgiving staples on the table.
  2. Stick to your shopping list and budget. Create your menu and budget well in advance. Bring your Thanksgiving shopping list with you on your regular grocery store trips to pick up non-perishable and frozen items when they’re on sale. You can also check your grocer’s weekly ad for current sales.
  3. Start from scratch. Pre-made items are often full of preservatives and seldom taste better than homemade items. Instead of buying powdered mashed potatoes, make delicious mashed potatoes with this simple recipe. You can also make a yummy stuffing with this easy recipe.
  4. Buy a frozen turkey. The turkey is usually about 40% of the cost of the meal. Opt for a store brand frozen turkey instead of a fresh one. Just remember to allow ample time for thawing. Click here to see how you can safely thaw your turkey.
  5. Find decorations at the dollar store. Believe it or not, the dollar store has some great decorations for the holiday season. Check out your local dollar store to see what you can find! Click here for 70 cheap DIY fall decor ideas.

We hope these tips help you stress a little less and enjoy time with your family during Thanksgiving! Do you have any other great tips? Comment and share them with us!

How to Protect Yourself From Cyber Attacks

iStock_000030693124_Large.jpgOver the past 25 years, technology has truly changed the way we live. We pay bills online, access bank and loan accounts online, and make purchases online. While this has created a convenience we have never experienced until recent years, it’s also opened up a lot of opportunity for identity theft through cybercrime. We want to make sure you’re aware of common cybercrimes and how to protect yourself. Here’s some basic information you should know.

Phishing: Luring victims to click on a link to get sensitive information or plant a virus.

Have you ever received an email that only has a link and no other copy? Perhaps you already knew this was some kind of scam and immediately deleted the email. Great job! Clicking on that link could take you to a fake website where criminals ask for personal information. Clicking on the link could also automatically give criminals access to your computer, where they can look for sensitive information, watch your internet habits or plant a virus on your computer. Phishing can be used alone or with spamming and spoofing to steal your identity.

To avoid falling prey to this type of technique, NEVER click on a link from an unexpected sender that you are unfamiliar with. Check to make sure the URL matches with the content of the email by hovering your mouse over the blue hyperlink. Make sure to look at the details. Does the email say it is from Facebook? Does the link say facebook.com or facebook.net? Little details like this will save you from falling prey to phishers.

Spamming: Sending the same unsolicited email to a large group of people.

Spamming can be hurtful in several ways. A great example of this is a “spam scam,” where a criminal sends an email indicating you have won the lottery and requests that you send a payment to cover taxes in order to get your winnings. Unfortunately, the lotto payment is never received so whatever amount was sent “for taxes” is lost to the victim. Below is an example of this type of email. There are several variations, and this is just one example of how a spam email can turn into fraud. Notice how the crook is using a spam (undisclosed recipients) with phishing (the link)?

spamming-email

To prevent this kind of fraud, never open emails from strangers or click on links in an email like this. If it sounds too good to be true, it probably is!

Spoofing: Using a fake website, email address or other identifier that looks legitimate to trick a victim into responding with an action that may benefit the spoofer.

An example of this is using a fake website that looks legitimate to trick someone into submitting financial, personal or password data into a fake website. To avoid being spoofed, check websites for security measures such as a padlock in the url and https:// rather than http://. The padlock and the s indicate the website is a secure site.

Additionally, use email spam filters and do not click on links that indicate you need to update personal or financial information. Call a verified number from the company’s website and verify the email is legitimate.

Click the following links for more details on the above cybercrimes:

Phishing
Common Scams
Scam Alerts

International Credit Union Day

Hi-Res-Logo[1].jpgInternational Credit Union Day is coming up on Thursday, October 20! This week we will be celebrating the credit union authentic difference by sharing information on our Facebook page about how credit unions help the communities in which we live and work. Here are a few interesting facts to get us started!

What is International Credit Union Day?

  • A day when credit unions all over the world celebrate the qualities that make them unique and show appreciation for their members.
  • The celebration started in 1948 and occurs every year on the third Thursday of October.
  • There are 57,000 credit unions worldwide in 105 countries.

What makes a credit union different?  

  • Credit unions are not-for-profit financial cooperatives.
  • We offer the same services as other financial institutions, but we return all of our profits to members. That’s why we have better rates and fewer fees.
  • We are owned by our members, not shareholders, so our money stays in the community.

We hope you will join us on social media this week to celebrate International Credit Union Day!