11/30 Black Friday Loan Deals Winners

The following winners of the 11/30 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Jeff S. – Buford, GA
  • Brook P. – American Fork
  • Jennifer R. – Saratoga Springs
  • Bryce S. – Heber
  • Jacob G. – Orem
  • Jessica J. – Heber City
  • Roland A. – Saratoga Springs
  • Laura J. – Orem
  • Sarah T. – Pleasant Grove
  • Brittany R. – Midvale
  • Torri B. – Orem
  • Brent S. – Morgan
  • Conner D. – Orem
  • Tyler H. – Herriman
  • Danyelle H. – Fruit Heights
  • David W. – Tooele
  • Cindy B. – Lehi
  • Jessica P. – Orem
  • Vijay M. – South Jordan
  • Blaine W. – Pleasant Grove

AUTO No Payments for First Three Months

  • Steven M. – Provo
  • Greg J. – Spanish Fork
  • Emily S. – South Jordan
  • Derek M. – Orem
  • Kelly N. – Springville
  • Tammy H. – Herriman
  • Jessica C. – Lehi
  • Rajeev K. – South Jordan
  • Ailana M. – Provo
  • Andrew M. – America Fork
  • Arturo D. – Pleasant Grove
  • Miranda I. – Lehi
  • Nakhorn C. – West Valley City
  • Julie M. – Orem
  • Roberto S. – Spanish Fork
  • Rebeca H. – Orem
  • Carli A. – Lehi
  • Masami C. – Orem
  • Hannalo R. – Orem
  • Jeremiah M. – Cedar Hills

Credit Card 3% Cash Back Balance Transfer

  • Colin H. – West Jordan
  • Jonny B. – Lindon
  • Brad S. – Spanish Fork
  • Esteban M. – Provo
  • Jeffery B. – Provo
  • Mary G. – Orem
  • Richard T. – Elk Ridge
  • John R. – Lehi
  • Eldon G. – West Valley City
  • Stephanie C. – Vineyard
  • Evelyn C. – Lehi
  • Janine G. – Provo
  • Hayley S. – Lehi
  • Teancum S. – Orem
  • Chad B. – Spanish Fork
  • Jeremy P. – Heber City
  • George B. – Orem
  • McKayla G. – Cedar Hills
  • Austin H. – Provo
  • Julie B. – Springville
  • Corey W. – American Fork
  • Yong S. – Herriman
  • Jennifer A. – Orem
  • Elaine M. – Provo
  • Harley M. – Spanish Fork

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • A-Hsuan S. – Orem
  • Patricia K. – Lindon
  • Wayne M. – American Fork
  • Mark S. – Mapleton
  • John E. – Lindon
  • Phillip N. – Highland
  • Taylor O. – North Salt Lake
  • John V. – West Jordan
  • Bryce M. – Herriman
  • Tonya M. – Lehi
  • Jeff H. – Orem
  • Debra T. – American Fork
  • Gary L. – Orem
  • Alma H. – Mapleton
  • Troy B. – Salem
  • Rob W. – Orem
  • Tayler L. – Bluffdale
  • Maria T. – Provo
  • Rosa S. – Orem
  • Jorden Y. – Orem
  • Robert F. – Salem
  • Sherol F. – Lindon
  • Marc W. – Lehi
  • Kortney S. – Stansbury
  • Howard S. – American Fork

Personal Loan 4.99% APR

  • John S. – Payson
  • Kirkham P. – Provo
  • Ward F. – Goshen
  • Julianna A. – Orem
  • David A. – Payson
  • Rob L. – American Fork
  • Hani P. – Sandy
  • John P. – Sandy
  • Wendi C. – Clearfield
  • Raquel P. – Highland
  • Jailyn E. – Saratoga Springs
  • Ashely N. – Lehi
  • Jessica S. – Orem
  • Kenyan G. – Provo
  • Amy D. – Heber
  • Lorna L. – Provo
  • Karl P. – American Fork
  • Teresa W. – Rock Springs, WY
  • Madison B. – Lehi
  • Monica S. – Saratoga Springs
  • Carrie C. – Saratoga Springs
  • Guy L. – Provo
  • Denmark J. – Pleasant Grove
  • Maria C. – Provo
  • Sharon W. – Alpine

Mortgage Free Home Inspection

  • Bruce B. – Highland
  • Marguerite T. – Springville
  • Kristine P. – Spanish Fork
  • Margaret L. – Provo
  • Melanie M. – Salt Lake City
  • Manuel M. – Provo
  • Breanna O. – North Salt Lake
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11/29 Black Friday Loan Sale Winners

The following winners of the 11/29 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Travis Y. – Lehi
  • Doug G. – Eagle Mountain
  • Theron S. – Highland
  • Cadi H. – American Fork
  • Natasha L. – Pleasant Grove
  • Shane W. – Lindon
  • Emily B. – Provo
  • David O. – Orem
  • Brent C. – Mapleton
  • Michael T. – American Fork
  • Shari Y. – Spanish Fork
  • Steven F. – Provo
  • Paula A. – Orem
  • Jeff T. – Orem
  • Cameron W. – Springville
  • Mauri B. – Santaquin
  • Samantha W. – Orem
  • Aaron M. – Orem
  • Julie B. – Orem
  • Jenalyn E. – Highland

AUTO No Payments for First Three Months

  • Paul N. – Orem
  • Michael M. – Morgan
  • Camille T. – Layton
  • Curtis C. – American Fork
  • James L. – Wellsville
  • Blain B. – Heber City
  • Carl H. – Orem
  • Jacque J. – South Weber
  • Jacob P. – Provo
  • Adam C. – Provo
  • Erasmo F. – Eagle MOuntain
  • James H. – Saratoga Springs
  • Jared C. – Provo
  • Roee L. – Park City
  • Charles K. – Sandy
  • Andres S. – Orem
  • Rosy L. – Orem
  • David O. – Spanish Fork
  • Eduvijes P. – Heber City
  • Ricardo H. – Salt Lake City

Credit Card 3% Cash Back Balance Transfer

  • Addie W. – Overland Park
  • Sara S. – Midway
  • Scott L. – Vernal
  • Ethan W. – Orem
  • Devin M. – Orem
  • Jana J. – Pleasant Grove
  • Paula F. – Finchville
  • Connie C. – Payson
  • Larry B. – Orem
  • Andrew H. – Cedar Hills
  • Matthew R. – Bluffdale
  • Sam G. – Spanish Fork
  • Douglas L. – Provo
  • James S. – Orem
  • Andrew H. – Elkridge
  • Jaden W. – Herriman
  • Rogelio G. – Provo
  • Catherine H. – Derry
  • Aubrey J. – Nephi
  • Gera T. – Orem
  • Anthony Todd F. – Springville
  • Ross M. – Cedar Hills
  • Brandon C. – South Jordan
  • Franklin A. – Provo
  • Emma S. – Lehi

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Barbara S. – Woodland Hills
  • Ken G. – Orem
  • Melissa H. – Salem
  • Kyle M. – Provo
  • John M. – Springville
  • Louise H. – Orem
  • Daryl G. – Highland
  • Whitney V. – Provo
  • Perry C. – American Fork
  • Emily J. – Draper
  • Corin O. – Lehi
  • Ben K. – North Ogden
  • Lynette M. – Lehi
  • Scott M. – Orem
  • Naomi B. – Santaquin
  • Kammi P. – Eagle Mountain
  • Spencer P. – West Jordan
  • Lee F. – Lindon
  • Erin D. – Lehi
  • Joe T. – Provo
  • Sharon D. – Kamas
  • Kristina C. – Spanish Fork
  • Seth H. – Ogden
  • Rose B. – Provo
  • Monelynn H. – Salem

Personal Loan 4.99% APR

  • Nathan H. – Orem
  • Cory T. – Lehi
  • Connie R. – Saratoga Springs
  • Katrina S. – Payson
  • Demarie D. – Elkridge
  • Cindy G. – Provo
  • Jessica B. – Hollada
  • Sean S. – Lehi
  • Alison S. – Provo
  • Kathy C. – Payson
  • Carlos N. – Spanish Fork
  • Brent P. – Pleasant Grove
  • Sandra C. – Salt Lake City
  • Jose S. – Springville
  • Cherie J. – Provo
  • Thomasina T. – Orem
  • Jason C. – American Fork
  • Daron H. – Genola
  • Dan C. – Orem
  • Rolf P. – Spanish Fork
  • Kathy V. – Taylorsville
  • Jessie S. – Orem
  • Percy B. – Orem
  • Abby G. – Eagle Mountain
  • Steven W. – South Salt Lake

Mortgage Free Home Inspection

  • Claudia S. – Provo
  • Jayden W. – Eagle Mountain
  • Lucinda E. – Payson
  • Matthew B. – Saratoga Springs
  • Allison B. – Taylorsville
  • Saurabh P. – South Jordan
  • Greg H. – Pleasant Grove
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Eight Questions (And Answers) About Currency Transaction Reports


1. What is a CTR?

CTR stands for Currency Transaction Report.  This is a report filed to the Financial Crimes Enforcement Network (FinCEN) by financial institutions regarding any withdrawals, deposits, payments, transfers or exchanges of currency in the value of $10,000 or more.  CTR’s apply to transactions of cash, foreign bank notes, Federal Reserve notes and U.S. silver certificates.

2. What’s the Purpose of a CTR?

The purpose of a CTR is to enlist financial institutions in the fight against money laundering and other financial crimes.  While transactions of $10,000 or more aren’t inherently suspicious, keeping tabs on large paper transactions helps the government scrutinize potential cases of money laundering and other criminal activity.  Employees of financial institutions have the ability to mark a CTR with an SAR (Suspicious Activity Report) if there are other signs that the transaction may be tied to criminal activity.

3. Who Has to File CTRs?

All financial institutions are required to file CTRs. Broadly, this means banks and credit unions.  But it’s important to know that websites like PayPal and Venmo are also beholden to regulations concerning CTRs and SARs.

4. What is FinCEN?

The motto at The Financial Crimes Enforcement Network (FinCEN) is “follow the money,” and that’s exactly what this organization does.  The bureau of FinCEN is part of the U.S. Treasury Department.  It is responsible for collecting data on financial transactions and is interested in tracking large or otherwise suspicious transactions because they may be connected to money laundering, fraud, terrorist financing and other crimes.

5. Do Financial Institutions File a CTR for Multiple Transactions Adding Up to $10,000 or More?  What About Transactions of $9,999?

The point of a CTR is to notify FinCEN of suspicious transactions.  While $10,000 is the standard amount, employees of financial institutions are obligated to issue an SAR for transactions that seem to be intentionally dodging a CTR.  For instance, if an individual made a $5,000 deposit to his own personal account as well as a $5,000 deposit to his brother’s account, this activity would warrant a CTR.

In other words, it is the responsibility of the financial institution to look at transactions as part of a larger picture and to make adequate filings of CTR and SAR accordingly.

“Structuring” refers to when individuals regularly make transactions of just under $10,000 to avoid a CTR.  This is an offense for which both the individual making the transaction and the financial institution’s employee could be punished (if the employee failed to file an SAR).

6. Do Financial Institutions Have to Tell Customers About CTRs?

No.  If a member/customer asks, they will be told, but banks don’t need to be forthcoming about this information.  Also, if a customer asks to do a transaction of $10,000 or more and then asks about CTRs, he or she cannot lower the amount for avoiding the CTR.  The teller at the bank or credit union will need to deny any requests to lower the transaction amount as well as file both a CTR and an SAR in response to this request.

7. Don’t CTRs Violate Customers’ Financial Privacy?

Before the CTR was developed, it was the responsibility of individual tellers to call the police over suspicious transactions.  This wasn’t the most efficient or secure way, but it was seen as necessary to protect customers’ financial privacy and protect financial institutions from liability.

However, in October of 1986, the Money Laundering Control Act was passed, making allowances for reporting transactions in the amount of $10,000 or more.  The act stipulated that financial institutions will not be held liable for releasing suspicious transactions to FinCEN.

Today, rather than it being on the shoulders of each individual teller, CTRs are automatically filed for transactions of this size.  It is, however, still the responsibility of bank and credit union employees to look out for other signs of suspicious activity, beyond just the amount.  This is why CTRs, while auto-filed in most cases, also have an SAR check-box on them for bank and credit union employees to use.

8. How Do Financial Institutions File CTRs?

There are many software systems in use by financial institutions to meet the regulatory demands of CTR and SAR filing.  Some institutions use custom software, while others use systems such as  NICE Actimize,  Oracle, DBI Financial Systems and American Bank Systems.

SOURCES:

https://www.fincen.gov/frequently-asked-questions-regarding-fincen-currency-transaction-report-ctr

https://www.treasury.gov/about/history/Pages/fincen.aspx

https://www.fincen.gov/sites/default/files/shared/CTRPamphlet.pdf

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The Bucket Plan

Do you dream of having a secure retirement where your biggest worry is choosing between a Caribbean cruise and sailing off to Alaska?Turn your dreams into reality with The Bucket Plan. Written by Jason Smith, a financial planner, coach and entrepreneur, this book is a must-read for anyone determined to create a realistic financial plan for retirement.

The Bucket Plan outlines a distinct financial planning process based on a three-bucket philosophy of strategically positioning assets to anticipate and minimize the risks that can occur in retirement.

In this book, you will find:

  • The three biggest threats for your financial future and a clear explanation of how The Bucket Plan can help protect you from them
  • An easy-to-use formula for calculating whether you will have an income deficit and the amount of money you’ll need to prevent it
  • How to avoid taking on too much investment risk

Throughout the book, you’ll read about Jerry and Irene, a couple planning for their retirement using Smith’s three-bucket approach. The storyline is expertly woven into the book’s more technical content, simplifying the abundance of financial wisdom. It makes The Bucket Plan an engaging and educational read. You’ll flip through the pages of the book, eager to reach the end and see how Jerry and Irene’s plan worked out for them.

Smith’s strategy of “bucketing” your retirement money can put you on the path toward long-term financial security. Don’t spend your golden years worrying about your money running out. Instead, use the Bucket Plan to create your successful financial future.

The Bucket Plan won’t reveal any magic formulas or get-rich-quick schemes, but it will provide you with a detailed, comprehensive system for preparing for your sunset years in peace, serenity, and financial security.

Your Turn: Do you have a favorite retirement-planning book? Tell us all about it in the comments!

SOURCES:

https://www.amazon.com/Bucket-Plan%C2%AE-Protecting-Worry-Free-Retirement-ebook/dp/B0749SBWG7#productDescription_secondary_view_div_1506652522658

https://www.goodreads.com/book/show/34740396-the-bucket-plan

http://www.prnewswire.com/news-releases/the-bucket-plan-protecting-and-growing-your-assets-for-a-worry-free-retirement-now-available-on-amazoncom-and-barnes–noble-300511006.html

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11/28 Black Friday Loan Deals Winners

The following winners of the 11/28 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Sergio D. V. – Payson
  • Gemma G. – Payson
  • Stephen J. – Fillmore
  • Rebecca J. – Eagle Mountain
  • Emir Z. – West Jordan
  • Sarah T. – Provo
  • Keira C. – Spanish Fork
  • Stephanie B. – Provo
  • Camille P. – Saratoga Springs
  • Ransom C. – Provo
  • Sam R. – Provo
  • Melanie P. – Pleasant Grove
  • Ronald E. – Provo
  • Jillian B. – Pleasant Grove
  • Hilary G. – Orem
  • Ashlyn U. – Orem
  • Celeste N. – American Fork
  • Alexis J. – Salem
  • HaLee B. – Bluffdale
  • Julie H. – Lehi

AUTO No Payments for First Three Months

  • Steven J. – Midvale
  • Cassidi B. – Heber City
  • Danielle G. – Bluffdale
  • David L. – Orem
  • Brett S. – Provo
  • Jenna B. – Highland
  • Bob A. – Herriman
  • Nikki S. – Payson
  • Elise K. – Eagle Mountain
  • Tiana D. – Heber City
  • Adam M. – Provo
  • Julie G. – Mapleton
  • Sergio F. – Orem
  • Darren H. – Mapleton
  • Ravi V. – Salt Lake City
  • Rodney T. – Spanish Fork
  • Steve C. – Springville
  • Lane A. – Saratoga Springs
  • Lauren W. – Spanish Fork
  • Claudia O. – Spanish Fork

Credit Card 3% Cash Back Balance Transfer

  • Corry O. – Pleasant Grove
  • Cristobal V. – Springville
  • Gayle V. – Spanish Fork
  • Emily S. – Draper
  • David M. – Orem
  • Kiara A. – Orem
  • Anna W. – Provo
  • John H. – Eagle Mountain
  • Claudia A. – Provo
  • Christina T. – Sandy
  • Shannon B. – Salem
  • Walter C. – Salt Lake City
  • Cheyenne B. – Lago Vista
  • Arleigh W. – Pleasant Grove
  • Andrea H. – Orem
  • Carol M. – Provo
  • Ronald C. – Vineyard
  • Michelle O. – Orem
  • Amanda C. – Santaquin
  • Sherry H. – Saratoga Springs
  • Jason H. – Orem
  • Dallen M. – Lindon
  • Melissa W. – Orem
  • Candace W. – Salem
  • Yu S. – Provo

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • William D. – Mapleton
  • David M. – Orem
  • Steven M. – Lindon
  • Cory W. – Eagle Mountain
  • Debbie H. – Spanish Fork
  • Jacob R. – Lehi
  • Blake B. – Alpine
  • Joseph E. – West Jordan
  • Lance M. – Mapleton
  • Troy T. – South Jordan
  • Tobias P. – Provo
  • Vijaykumar Y. – Pleasant Grove
  • David C. Y. – Salem
  • Nathan H. – American Fork
  • Penny W. – Nephi
  • Karalee T. – Lehi
  • Charles B. – Preston, ID
  • Phil S. – American Fork
  • Shanda A. – Springville
  • Chad H. – Vineyard
  • Kerstin L. – Orem
  • Justin T. – Orem
  • Rick P. – Provo
  • Ryan C. – Provo
  • Ivan S. – Lindon

Personal Loan 4.99% APR

  • Jimmy W. – Logan
  • Jessica L. – Salt Lake City
  • Jayme E. – Provo
  • Jorge R. – Spanish Fork
  • Scott S. – Springville
  • Jarin S. – Henderson
  • Gildardo G. – Springville
  • Ayisha M. – Pleasant Grove
  • Allie T. – Provo
  • Carrie W. – Mapleton
  • Matthew S. – Narberth
  • Sabrina D. – Eagle Mountain
  • Sienna T. – Provo
  • Jason J. – Sandy
  • Richard W. – Franklin
  • Brian R. – Saratoga Springs
  • Ifeanyichukwu N. – Springville
  • Spencer H. – Springville
  • JonAnn G. – Knoxville
  • Kim S. – American Fork
  • Connie W. – Lehi
  • Nathan E. – Lehi
  • Renee H. – Orem
  • Emily U. – Saratoga Springs
  • Jeffrey R. – Provo

Mortgage Free Home Inspection

  • Kendra S. – Provo
  • Glen S. – Spanish Fork
  • Brian B. – Pleasant Grove
  • Brandon C. – Mapleton
  • Frances P. – Provo
  • John S. – Draper
  • Grant J. – Orem
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11/27 Black Friday Loan Deals Winners

The following winners of the 11/27 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Brian M. – Orem
  • Robert P. – Bountiful
  • Catherine P. – Orem
  • Brett W. – Saratoga Springs
  • Jenny L. – Santaquin
  • Alexsei P. – Nephi
  • Jared J. – Saratoga Springs
  • Darren F. – Orem
  • Amber H. – Elk Ridge
  • Jared H. – Mapleton
  • Jason W. – Saratoga Springs
  • F Lucretia T. – Elk Ridge
  • Jacob J. – Saratoga Springs
  • Joseph B. – Provo
  • Connor F. – American Fork
  • Meghan G. – Sandy
  • Morgan B. – New Albany
  • Katy H. – Lehi
  • Thomas T. – Orem
  • Kelly and Heather K. – Payson

AUTO No Payments for First Three Months

  • Kevin F. – Springville
  • Kolton G. – Orem
  • Rebecca M. – Orem
  • Alan E. – Spanish Fork
  • Cody D. – American Fork
  • Josh J. – High Point
  • Cole W. – Eagle Mountain
  • Jonathon J. – Mapleton
  • Brayden W. – Payson
  • Jacob K. – Orem
  • Nancy J. – Springville
  • Sandra C. – Springville
  • Andrew S. – Eagle Mountain
  • Chad D. – Ogden
  • Lori W. – Fort Worth
  • Jared J. – Lehi
  • Charles F. – Sandy
  • Sharee M. – Payson
  • Nancy J. – Springville
  • Crissa B. – Payson

Credit Card 3% Cash Back Balance Transfer

  • Gina W. – Lindon
  • Nancy H. – Cleveland
  • Bryan T. – Orem
  • David N. – Spanish Fork
  • Pearl H. – Pleasant Grove
  • Kevin T. – West Jordan
  • Mehanamaiola K. – Provo
  • Juan C G. – Kearns
  • Deborah L. – Lehi
  • Nathan R. – Mapleton
  • Shelley D. – Ogden
  • Julie B. – South Jordan
  • Felisha M. – Orem
  • April T. – Taylorsville
  • Brian H. – Vineyard
  • Brad O. – Lehi
  • Richard V. – Orem
  • John R. – Payson
  • Peter C. – Heber City
  • Darrell R. – Salt Lake City
  • Sara D. – Cottonwood Heights
  • Rebecca H. – Lindon
  • Belja A. – Murray
  • Jacob O. – Spanish Fork
  • Oleah M. – Green River

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Dustin T. – Highland
  • Amie C. – Spanish Fork
  • Karen B. – Santaquin
  • Debie J. – American Fork
  • Emily R. – Woodland Hills
  • Rebeca H. – Orem
  • Roselle H. – Mapelton
  • Michael T. – Mapleton
  • Brandon P. – Herriman
  • Raymond C. – West Jordan
  • Michelle T. – Orem
  • Dominque E. – Mapleton
  • Lisa H. – Mapleton
  • Spencer P. – Mapleton
  • Peggy E. – Eagle Mountain
  • Alan U. – Sandy
  • Chris C. – Draper
  • Tammie C. – Springville
  • Zachary B. – Herriman
  • Elli H. – Spanish Fork
  • Michelle F. – Springville
  • Gary A. – Provo
  • Maria H. – Highland
  • Megan S. – Provo
  • Glen M. – Payson

Personal Loan 4.99% APR

  • Byron M. – Mapleton
  • Jared B. – Springville
  • Kristi G. – Provo
  • Ammon P. – Provo
  • Eric S. – Provo
  • Baylee V. – Pleasant Grove
  • Catherine B. – Salt Lake City
  • Melinda W. – Provo
  • Sultan A. – Pleasant Grove
  • Patrick A. – Orem
  • Arlene E. – Eagle Mountain
  • Eric K. – Lehi
  • Travis T. – Lehi
  • Jeremy C. – Springville
  • Daniel W. – Saratoga Springs
  • Steven H. – Eagle Mountain
  • Michelle G. – Lehi
  • Christina K. – Orem
  • Jennifer C. – Springville
  • Jason S. – Saratoga Springs
  • Joel C. – Utah
  • Brittani D. – Saratoga Springs
  • Crystal Y. – Highland
  • Renee L. – Pleasant Grove
  • Chasity B. – South Jordan

Mortgage Free Home Inspection

  • Taz S. – Taylorsville
  • LaNae S. – Lehi
  • Ryan H. – Layton
  • Lindsay W. – Oklahoma City
  • Mandy T. – Orem
  • Taylor O. – American Fork
  • Jordin C. – Heber City
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11/24 Black Friday Loan Deals Winners

Auto 0.99% APR

  • Tregan E. – Sandy
  • Josh E. – Spanish Fork
  • Travis I. – Lehi
  • Jared E. – Spanish Fork
  • Shane S. – West Valley City

AUTO 1.99% APR

  • Karin P. – Springville
  • Darin R. – Santaquin
  • Esther A. – Lehi
  • Aaron J. – Mapleton
  • Matthew R. – Lehi
  • Rusty B. – American Fork
  • Chelise W. – Payson
  • Sharon C. – Orem
  • Roger P. – Mapleton
  • Laurie F. – Sandy
  • Osvaldo S. – Provo
  • Nicholas R. – Highland
  • Deborah A. – Orem
  • Kevin K. – Orem
  • John B. – South Ogden
  • Ashly M. – Lehi
  • Janice W. – American Fork
  • Stephen M. – Orem
  • DeVan L. – Mukilteo, WA
  • Josue R. – Springville

AUTO No Payments for First Three Months

  • Myron B. – Eagle Mountain
  • Tricia B. – Heber City
  • Ben S. – South Jordan
  • Makenna F. – Spanish Fork
  • Malcolm B. – Highland
  • Adam M. – West Jordan
  • Diana S. – Lehi
  • Marc W. – Lehi
  • Josh S. – West Jordan
  • Ansley F. – Lindon
  • Jeremy M. – Herriman
  • Adam C. – Springville
  • Nicolette A. – Saratoga Springs
  • Melany L. – Provo
  • Annaletta M. – Eagle Mountain
  • Melinda M. – Orem
  • Angela H. – Orem
  • Andrew W. – Lehi
  • Connie S. – Provo
  • TJ M. – Salem

Credit Card 3% Cash Back Balance Transfer

  • Melanie J. – Manti
  • Peter S. – Nephi
  • Brandon L. – Sandy
  • Audra P. – Orem
  • Eric K. – Alpine
  • Carolyn A. – Heber City
  • Shelli G. – Herriman
  • Haven N. – Payson
  • Michael C. – South Jordan
  • Melissa A. – Sugar City
  • Melanie H. – Pleasant Grove
  • James J. – Eagle Mountain
  • Jared W. – Orem
  • Alycia R. – Pleasant Grove
  • Vitto C. – Park City
  • Marc T. – Riverton
  • Kimball D. – Draper
  • Dale H. – Grand Junction, CO
  • Randall L. – Orem
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How Can I Shop Safely On Black Friday?

Most people love the prospect of saving big on Black Friday sales, but are worried about the risks.  Between the danger that crowds pose and the possibility of your credit card being compromised, there’s a lot that can go wrong.  Black Friday does pose some serious risks to shoppers, but with the proper safety measures, you can protect yourself without missing out on the biggest shopping day of the year.

Here’s how:

1.) Plan ahead

Planning ahead means you’ll spend less, be out of line faster and decrease your risks. Sites like BlackFriday.com can help you plan your day and find the best deals.

2.) Credit card only

Credit cards are the best way to shop when there are high risks to your safety. You can always dispute a charge; you can never reclaim stolen cash. Also, keep your card as close to you as possible. If using a debit card, cover the payment terminal with your other hand when inputting your PIN.

3.) Shop with a friend

The mall may be crowded, but a determined criminal can find a way to corner you and empty your wallet or take your bags. Stick with your friends and never enter deserted areas alone.

4.) Keep your cool

Nothing you can purchase on Black Friday is worth your health or safety. Avoid all scuffles with fellow shoppers.

5.) Move your car

If you spend the day at the mall and routinely drop off your bags in your car, it’s best to move your car to a different spot. Thieves watch shoppers leaving the mall with lots of bags and follow them to their cars. If they see you dropping off your goodies and then heading back to the mall, they’ll consider making off with your things. If you drive off, though, they’ll think you’re leaving and won’t follow you.

6.) Online safety

Black Friday and Cyber Monday are notorious for online scams of every kind. Here’s what to remember when shopping online:

A.   Beware of phishing scams

Be alert for suspicious looking emails and links. Delete anything that doesn’t look right.

B.   Make sure your connection is secure

Verify security by looking for the padlock icon on the address bar and by using sites with an “S” tacked on to the “http.”

C.   Pay securely

Only use trusted payment systems like PayPal or GoogleWallet. Shop from sites you trust and make sure they’re legitimate by checking the URL and looking out for sites that end in .org or .net. Never agree to wire money for a purchase.

D.   Strengthen your system

Before shopping online, check that your device’s security systems are updated with the most recent protection and security patches. If you’re using Wi-Fi, make sure the network is secure and requires a password to join.

Your Turn: Do you have any other tips for safe shopping on Black Friday Cyber Monday? Share them with us in the comments!

SOURCES:

https://www.google.com/amp/s/venturebeat.com/2014/11/28/5-things-you-can-do-to-stay-safe-shopping-online-on-black-friday/amp/

https://www.moneycrashers.com/black-friday-tips-for-safe-shopping/

https://www.google.com/amp/www.telegraph.co.uk/black-friday/0/11-tips-for-staying-safe-shopping-online-on-black-friday-and-cyb/amp/

https://www.google.com/amp/mashable.com/2016/11/21/online-shopping-safety-black-friday-cyber-monday.amp

https://www.consumersafety.org/news/safety/stay-safe-shopping-on-black-friday-and-cyber-monday/

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Thanksgiving Costs: 7 Ways To Save

Thanksgiving means giving thanks for all the good in our lives. It also means stuffed turkey and gravy, cranberry pie and mashed potatoes. It’s a time-honored tradition of spending time enjoying a delectable holiday meal while in the company of those we love.

It can also mean spending an awful lot of money.

According to the American Farm Bureau Federation, the average host cooking a Thanksgiving dinner for 10 guests will spend approximately $50 on the dinner alone. Of course, if you’re expecting more than 10 guests or you tend to overspend when hosting, your costs can easily top that amount. Between the turkey, ingredients for that luscious holiday meal and décor to set the ambiance, hosting a Thanksgiving dinner is not cheap.

Looking for ways to cut back without compromising on the quality and festivity of your meal? Look no further! At UCCU, we love to keep your wallet plump. That’s why we’ve compiled a list of seven easy ways for you to save on your Thanksgiving costs this year.

1.) Verify your guests’ attendance

Before you start writing up a spectacular menu or a detailed shopping list, check to make sure you have an accurate head count of the guests and family members who will be joining you for Thanksgiving dinner. You don’t want to end up with a fridge full of leftovers. Verify that all who are invited are indeed planning on showing, and only then begin planning your menu.

2.) Find out what your guests like

While you’re doing your inviting, ask for your guests’ individual tastes. You don’t want to forget that Great Aunt Martha is on a strict gluten-free food plan or that your cousin’s spouse is a vegetarian. Aside from specialized diets, ask about particular foods your guests like to eat and those they won’t touch. If something on your menu isn’t very popular with your guests, skip it – even if you think it’s an “obligatory” Thanksgiving food. This way, you won’t slave over a pumpkin soup that nobody will touch or end your holiday meal with trays full of leftovers and lots of hungry guests.

3.) Make it a potluck

Slash your spending and your stress in one step by answering an enthusiastic “yes!” to every guest who asks if they can bring something. Don’t just say “anything’s fine,” though, or you might have seven desserts. Instead, create a Google Sheet or group message with your planned menu and let your guests input what they’d like to contribute to the meal. This way, they’ll know exactly what you need, you’ll know what they’re bringing, and best of all, you won’t be doing all the cooking yourself.

4.) Serve on smaller plates

Most people will load up their plates to capacity, regardless of the plate’s size. Curb the wasting at your table by using smaller dinnerware. Let your guests load up all the way without leaving half-full plates. They can always refill if they still want to eat more later.

5.) DIY décor

You can set a beautiful holiday tablescape without blowing your budget; all it takes is a little imagination. Shop the local dollar store for discounted décor that still packs a punch, like colored vases, fake flower arrangements, and other centerpieces. Look for easy, inexpensive DIY ideas online. Finally, get creative by using things from around the house – or yard – as your décor. For instance, you can create a whimsical candleholder by affixing cinnamon sticks around a candle or design an autumn-themed centerpiece with leaves and pinecones from your own yard.

6.) Shop the sales

Grocery stores and shopping centers tend to run specials on turkeys and other Thanksgiving staples starting as early as Halloween. Plan your menu several weeks in advance so you can take advantage of these sales. Keep it flexible until you see the circulars and then base your dishes on the ingredients and produce that’s cheapest. Also, be sure to shop around for your turkey! Supermarkets tend to have the best deals on the birds, with some even running free turkey deals when you spend a specific amount on other groceries.

7.) Cook from scratch

Most everything is less expensive – and tastes better – when it’s homemade. Think gravy, mashed potatoes, stuffing and apple pie. Start your cooking well enough in advance so you don’t find yourself relying on too many convenience foods and paying the price both in cash and taste. Your wallet and your guests will thank you!

When you gather ’round the table with family and friends this Thanksgiving, you can be thankful for all the good in your life without feeling guilty over how much you spent on the meal. All it takes is a little planning!

Your Turn: What are your best Thanksgiving dinner hacks? Share them with us in the comments!

SOURCES:

https://www.google.com/amp/s/www.forbes.com/sites/mayakachroolevine/2016/11/16/9-realistic-thanksgiving-hacks-to-cut-your-costs-this-month/amp/

http://www.chasingfoxes.com/10-super-easy-dollar-store-thanksgiving-decor-ideas/

https://www.money.usnews.com/money/blogs/my-money/2013/11/07/7-ways-to-save-money-on-thanksgiving-dinner

https://www.google.com/amp/s/www.thepennyhorader.com/smart-money/save-money-thanksgiving-dinner/amp/

https://www.google.com/amp/s/usatoday.com/story/94074598/

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The 4-Hour Workweek: How To Work Less And Live More By Tim Ferriss


When asked, “What do you do?” Tim Ferriss never gives the same answer twice.

Sometimes, he says he skis in the Andes; other times, he claims to spend his days racing motorcycles through Europe. The young entrepreneur who runs a worldwide firm essentially spends his time doing whatever he pleases.

Wish you had the same freedom? Tired of spending most of your waking hours chained to a desk? Slave to your own business? Then the 4-Hour Workweek is a must-read for you!

This life-transforming work by visionary Tim Ferriss has spent seven years on the NY Times bestsellers list. Recently, over 100 pages of cutting-edge content has been added to this classic, making it a hit all over again.

The book is designed to show anyone who’s overworked and unhappy how to work less and live more. The 4-Hour Workweek will put you on the path toward living your dream – putting family first, drastically cutting the time you spend at the office, increasing your income without increasing your work time and enjoying life instead of longing for retirement.

Tim opens his book by explaining that, when most people dream of finding that pot of gold, they don’t really need the dollar signs – they need the time, mobility and freedom – which they connect with having that money. Once that misconception has been cleared, you can redefine your goals so your dreams are not dependent on having a certain amount of money, but on living a particular lifestyle.

The book works around the acronym DEAL:

  • Definition: Replace self-defeating assumptions
  • Elimination: Learn how to ignore the unimportant (generates time)
  • Automation: Put cash flow on autopilot (generates income)
  • Liberation: Create freedom of location (generates mobility)

Here’s what you’ll learn when you read The 4-Hour Workweek:

  1. How Tim changed his life from working 80-hour weeks and earning $40k a year to working 4-hour weeks and earning $40k a month.
  2. How to cheaply outsource your life to overseas workers and let your money grow as you spend your time doing what you really want.
  3. How escape artists travel the world without quitting their jobs.
  4. How to eliminate 50% of your work in 48 hours by using the brilliant principles of an Italian economist.
  5. How to trade a 9-5 job for brief bursts of intense work and frequent mini-retirements.
  6. The difference between absolute and relative income and how it affects your work ethic.
  7. The definition of automated cash-flow “muses” and how to create one in less than 5 weeks.
  8. How to cultivate selective ignorance with a low-information diet, thus creating time.
  9. The management secrets of remote-control CEOs.
  10. How to get free housing worldwide and airfare at a 50-80% discount.
  11. How to create a meaningful life after removing the burden of full-time work.

New additions to the book include:

  1. More than 50 practical tips and case studies from readers who have incorporated the book’s principles into their lives and doubled their incomes.
  2. The latest tools, tricks and high-tech shortcuts for living like a millionaire.

While not everything in the book is practical for all entrepreneurs, and plenty of people have criticized his ideas, there’s enough solid information in the book to make it a worthwhile read.

Your Turn: Do you have ideas for working less while accomplishing more? What’s worked for you? We’d love to hear about it!

SOURCES:

http://www.goodreads.com/book/show/368593.The_4_Hour_Workweek

http://www.deconstructingexcellence.com/the-4-hour-workweek-summary/

http://fourhourworkweek.com/

https://www.google.com/amp/s/www.forbes.com/sites/joshsteimle/2013/05/31/a-love-letter-to-tim-ferriss-the-4-hour-workweek/amp/

http://tim.blog/overview/

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