Making Money Personal

Written by: Triangle Credit Union
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  • Summary

  • Engaging in real talk about financial matters that affect your life and your community.
    Copyright 2021 All rights reserved.
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Episodes
  • Get Your Car Winter Ready - Money Tip Tuesday

    Get Your Car Winter Ready - Money Tip Tuesday
    Feb 4 2025
    While falling snow may look pretty, it can also be pretty dangerous for drivers. Winterizing your vehicle is a good precaution as it can save you money on car repairs and help you stay safe while on the road. If you own a car, here are some tips to get it winter-proof if you haven't already. Links: Visit our Auto page to explore current rates and learn more about GAP and MRC coverage for your vehicleCheck out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. Roads often become slippery during the winter months. To counteract this, consider putting winter tires on your vehicle. You can use all-season tires during the winter, but when it gets cold, the rubber in these tires hardens, decreasing the grip on the road. Winter tires use a special compound that can resist the cold and won't harden. Winter tires also have better traction in snowy and icy road conditions, which means that they have better acceleration and are better at stopping than all-season tires. However, winter tires can be costly. Winter tires can cost over $600, plus you'll have to pay for the tire-swapping fees unless you do it yourself. A cheap alternative is putting chains on your tires to help with traction. Regardless of what tires your car has, you'll want to check the tire pressure. Tire pressures drop 1 pound per square inch, or PSI for short, every 10 degrees Fahrenheit. You can check the correct tire pressure for your car in the manual or on the car door jamb. Another way to get your car winter-ready is to have the battery tested. Your car battery is essential for starting your car. Colder temperatures can affect the chemicals in the battery, which may result in a car having trouble starting or not starting at all. Consider buying a portable jump starter for your vehicle in case your car doesn't start due to low temperatures. Next, you'll want to make sure you have good visibility while driving. Check your windshield wipers to see if they are working properly, and don't leave smudge marks on your windshield. Fill up your windshield wiper fluid too. You can also get a hydrophobic repellant to add to your windshield, making scraping ice and snow off your car windows easier. Headlights are another thing to consider when winterizing your car. Snow can cause limited visibility when driving, but having a good set of headlights can help you see better, especially during the dark hours of winter. If you've noticed that your headlights aren't as bright as they used to be, you should get a headlight restoration kit or replace them altogether. You should have a winter emergency kit in your car. If you get stranded with your vehicle, this kit will help you get back on your drive or at least keep you comfortable while waiting for help to arrive. In this kit, you should include a snow shovel, a snow broom, an ice scraper, a portable jump starter, warm clothing, including hats and gloves, blankets, a first-aid kit, a basic tool kit, traction mats, and flashlights. If you're considering buying a car that's more suitable for winter, look for one that has 4-wheel drive or all-wheel drive instead of front-wheel drive. Vehicles with 4-wheel drive and all-wheel drive provide better traction on icy roads than front-wheel drive vehicles. If you decide to buy a more winter-proof car, Triangle Credit Union offers auto loans tailored to fit your ride. If you get into an accident, Guaranteed Asset Coverage, or GAP coverage, is designed to reduce or eliminate the difference between the insurance settlement and the loan balance. This protects you from owing more than the vehicle is worth. Mechanical Repair Coverage, or MRC, can help limit unexpected, covered repairs as your vehicle ages, potentially saving you thousands of dollars. If you’re interested in either one of these coverages, contact the credit union or visit your local branch to learn more. If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn. Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.
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    4 mins
  • Episode 78: The Importance of Digital Security for Individuals and Businesses | Chris Conway CEJ Technologies

    Episode 78: The Importance of Digital Security for Individuals and Businesses | Chris Conway CEJ Technologies
    Jan 30 2025

    Maintaining digital security is vital, whether you're an individual using your computer or phone or a business using organized networks and complex systems. The sad reality is that threats exist across the vast digital environment that every one of us should be taking steps to avoid.

    In this episode, we're chatting with Chris Conway, owner of CEJ technologies, and security expert, about the many dangers cyber threats impose on all digital users and what kinds of systems and safeguards we can incorporate to protect ourselves and our devices.

    Links:

    • Learn more about CEJ Technologies: 395 Daniel Webster Highway, Merrimack, NH CEJ Technologies
    • Contact Chris or his team at: 603-424-3117
    • Check out TCU University for financial education tips and resources!
    • Follow us on Facebook, Instagram and Twitter!
    • Learn more about Triangle Credit Union
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    1 hr and 9 mins
  • Protect Your Identity This National Data Privacy Day - Money Tip Tuesday

    Protect Your Identity This National Data Privacy Day - Money Tip Tuesday
    Jan 28 2025
    It’s national data privacy day! What better day to focus your attention on keeping your data secure than now. Take a couple of moments today and throughout the week to evaluate and safeguard your identity so you can effectively protect yourself from current or future threats. Links: Check out resources from the National Cybersecurity Alliance and the Cybersecurity & Infrastructure Security Agency Learn more about the features and benefits of a Better Checking Account with IDProtectRegister or log into our Better Checking portal to access the credit score tracker, credit report and other account benefits Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. One of the most important things you can do for yourself is to take identity and privacy threats seriously. There are new breaches occurring every day that choosing to not take steps for proper security could be costly. It's critical to put guards in place before any threat arises. If you use digital services, tools and technology, National Privacy Day, and Week, is a great time to assess your existing security protocols and determine whether you’re adequately protected. With fraud threats everywhere, it’s important to remember to stay on top of current scams to keep your privacy secure. Familiarize yourself with common tactics scammers use to trick you as well as stay abreast of new tactics arising. Check out the National Cybersecurity Alliance at Stay Safe Online for up to date information and resources about proper cyber protection. You can also explore resources and tools from the Cyber Security and Infrastructure Security Agency at CISA.gov. Other, more active steps to take involve reviewing your current situation and identifying any areas where security could be improved. Ensure all account passwords are secure, that you have proper PIN or biometric authentication on all devices and that all have been maintained with the most recent updates. Monitor all your credit and credit card information. Make sure you’re paying attention to all your credit cards and have sufficient access to card controls to easily turn them off if they’re lost or stolen. Set up notifications for immediate awareness any time your cards are used. Receiving a simple message on card usage gives you the ability to act immediately if a suspicious charge occurs. Keep an eye on your credit score for any inconsistencies or anomalies. Familiarize yourself by checking your score and viewing your current credit report. Your credit report will list out all your open credit lines, loans and other information like credit inquiries, payment history and other personal data regarding your credit activity. Look over the report to ensure all the activity is legitimate and accurate. Finally, consider identity theft protection. Having identity theft protection offers benefits that help prevent fraud as well as cover you in case fraud occurs. These services monitor data bases and the dark web for sensitive information that way if any issue arises, you can act swiftly to resolve any issues. They also offer expense reimbursement, case managers and recovery assistance to help all throughout the recovery process. With a Triangle Better Checking account you can get affordable access to amazing identity theft protection benefits for a small monthly fee of $4.99. With this one account you’ll gain access to identity theft monitoring, reimbursement coverage, a credit score tracker, credit reporting, card registration as well as reimbursement coverage and full service identity recovery with a case manager if you ever become a victim. To learn more about the benefits and for further account information, visit trianglecu.org. If you already have a Better Checking account you’re already enrolled in the protection service but to access the other great benefits register at betterchecking.trianglecu.org to get started there. If keeping your identity and sensitive information is high on your priority list, take some time today or throughout the week to set up additional protections for your devices and identity. If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts. Thanks for listening to today’s Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. Have a great day!
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    5 mins

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