Personal Resources

  • Consolidation vs. Refinancing Student Loans

    If you have multiple student loans and would like to make life simpler by managing fewer loans, you may want to consolidate them. Or do you want to refinance them? Like many people, you may be stumped at the difference between consolidating and refinancing, and confused about which option is ultimately best for you.Let’s start […]

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  • How Can I Minimize the Risk of Identity Theft?

    Take steps to avoid being a victim of identity theft by: Sign your credit cards upon receipt. Only carry cards that you need. Do not carry your Social Security card. Never write your PIN or Social Security number on anything you are going to throw away. Shred documents containing your Social Security number. Do not […]

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  • The Facts on Identity Theft

    Identity theft occurs when someone uses your bank account number, Social Security number, credit card, or other personal information for his or her own ends. Months can go by before the theft has been discovered. The Federal Trade Commission (FTC) has listed the following ways that imposters can get your personal information and take over […]

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  • What To Do If You Become a Victim of “Phishing”

    Know what steps to take if you are a victim of “phishing” or any other form of identity theft: File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime. Contact the fraud departments of any of the three major credit bureaus […]

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  • “Phishing”: What is it and how do I avoid getting hooked by this identity theft bait?

    There is a rapidly growing Internet fraud called “phishing.” Phishing (pronounced “fishing”) is a term that refers to fishing for personal information, such as account numbers, passwords, PINs, credit card account or Social Security numbers online. Phishing is quickly becoming one of the most insidious online identity theft scams where fraudulent email messages (spam) are […]

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  • Benefits of home buying through USC Credit Union

    Personal assistanceCall or e-mail one of our mortgage professionals to answer any of your questions or ask for advice.Quick ServiceWe can approve a qualified applicant’s mortgage in minutes, rather than days or weeks!Free Pre-qualificationsWe offer free pre-qualifications, so you can shop for your mortgage knowing exactly how much home you can afford.The best loan for […]

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  • What is a living trust?

    A trust is an arrangement where one person, called a trustee, holds legal title to property for another person, called a beneficiary. A “living trust” is a trust you create while you’re alive. You can be the trustee of your own living trust, keeping full control over all property held in trust. The major advantage […]

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  • What things should I keep in mind when buying an insurance policy?

    Here are a few tips to keep in mind about your life insurance purchase: Take your time. On one hand, don’t put off an important decision that would provide protection for your family. Make sure you fully understand any policy you are considering and that you are comfortable with the company, agent and product. When […]

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  • What are the different types of life insurance available?

    There are many kinds of insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of the term, which […]

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  • What are the types of permanent insurance that are available — whole life and ordinary life?

    Whole Life or ordinary life is the most common type of permanent insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy. Universal life or adjustable life allows you, after your initial payment, to pay premiums at any time, in virtually […]

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