Elevations - RealityCheck

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	Looking for Extra Money? Which Options Are Risky? Which Are Real? September 2010 With economic times still tough for consumers, many of us are looking for ways to acquire some extra cash or to save money on necessities we have to purchase. Typical ways to acquire extra cash are to sell something or to find extra work. Buying goods and services at a discount helps us save on those necessities. How do you tell the real, practical options from the risky or fraudulent schemes? In this report, I'll give you some tips on how to tell the difference in several popular areas. Selling gold, jewelry, coins and/or collectibles. Traveling buyers road shows are pulling in thousands of consumers all over the country today. Multiple ads on radio, TV, and billboards and full-page spreads in newspapers invite consumers to bring in their gold or jewelry (broken okay) or other collectibles to sell for "top dollar." While many of these shows are run by reputable companies, you will not necessarily get the best offer from them for your jewelry or collectibles. Read More September 2010 Breaking News More credit card protections for consumers went into effect August 22. These changes cover penalty fees, late fees, inactivity fees, explanation of interest rate increases, and re-evaluation of recent interest rate increases. Read More Oddball Tips For Saving Money Being smart about money is more important now—when you're young—than when you're older. Why? Smart habits learned now will stay with you, but more important, any money you stick in a savings plan at 20 has a lot more years to earn interest than money you stick in a savings plan at 40. And guess what? You can save some money now, even if you're working two jobs just to get by or attend school. Use these oddball tips to stow a little money away where you can't touch it! Read More This site contains links to other sites ("Linked Sites") which are not under the control or direction of the Credit Union. The inclusion of any link does not imply endorsement by the Credit Union of the site or any association with its operators. The Linked Sites are not bound by the Credit Union's privacy policy and therefore you access them at your own risk.	Featured Program RealityCheck Videos Brain Food September 2010 Each month, Brain Food highlights podcasts by others on key issues that impact your wallet. This month we highlight three video podcasts from Consumer Reports. Read More Web Links September 2010 Floods in Pakistan: FTC Warns Consumers to Give Wisely. Following these tips will help you make sure your money goes to aid the flood victims. Do you like to give or use gift cards? Then you'll like these new rules for gift cards. Concerned abourt your privacy online? Then check out the articles in Consumer Action News' Summer Issue. Disasters can have unexpected consequences that impact your privacy and your personal information. This article from the Privacy Rights Clearinghouse can help you be prepared. The RealityCheck Team Our RealityCheck team of Nick, Will and Remar brings three generations of consumer knowledge to the Elevations Credit Union Community. Each month, Nick, Remar and Will will be bringing all of our community topical and tough consumer information, and we’re proud to have them as part of the Elevations team. Take a Video Tour.