Beware of criminals pretending to be WHO

Beware of criminals pretending to be WHO

Criminals are disguising themselves as WHO to steal money or sensitive information. If you are contacted by a person or organization that appears to be from WHO, verify their authenticity before responding.

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How to Avoid Coronavirus Phishing Scams

How to Avoid Coronavirus Phishing Scams

Watch out for a surge in emails from cybercriminals pitching COVID-19 health information and fake cures.

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Coronavirus Opens Doors to Scams

Coronavirus Opens Doors to Scams

The Coronavirus (COVID-19) has been a windfall for fraudsters as they exploit the global thirst for knowledge on the virus. Fraudsters have launched Coronavirusthemed phishing attacks to deliver malware – typically credential-stealing banking Trojans. The phishing emails purport to be from the Centers for Disease Control (CDC) and the World Health Organization (WHO). Fraudsters have also created fake websites to exploit Johns Hopkins University’s interactive Coronavirus dashboard to spread malware. Credit unions should warn employees and members.

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FBI SEES RISE IN FRAUD SCHEMES RELATED TO THE CORONAVIRUS (COVID-19) PANDEMIC

FBI SEES RISE IN FRAUD SCHEMES RELATED TO THE CORONAVIRUS (COVID-19) PANDEMIC

Scammers are leveraging the COVID-19 pandemic to steal your money, your personal information, or both. Don’t let them. Protect yourself and do your research before clicking on links purporting to provide information on the virus; donating to a charity online or through social media; contributing to a crowdfunding campaign; purchasing products online; or giving up your personal information in order to receive money or other benefits.

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Young woman thinking about investing money

Investing in Your Future - POSTPONED

Investing in Your Future

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BrightStar Seminars

Learn about the Financial Planning process through all the stages of your life. What you need to know in your 20s, 30s, 40s and Beyond. Meet Your BrightStar Investment Services Financial Advisor*, Jim McGary
  • When:
    NEW DATES TO BE ADVISED

  • Where:
    BrightStar CU Administration Center
    5901 Del Lago Circle,
    Sunrise, FL 33313

  • The seminar starts from 6:00 PM – 7:30 PM EST

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

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Man is checking his credit report online - Image

Credit Matters - POSTPONED

Credit Matters

Understanding Your Credit Score

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BrightStar Seminars

This presentation covers the basics of how one’s credit score is compiled, who looks at your scores, what the credit bureaus look for, how to fix certain mistakes and other miscellaneous facts concerning loans and how to get the best rates.  The presenter will discuss how a person without any previous credit history can start building credit without going into debt. 
  • When:
    NEW DATES TO BE ADVISED

  • Where:
    North Regional – Broward College Library
    1100 Coconut Creek Blvd.
    Coconut Creek, FL 33066
  • The seminar starts from 10:30 AM – 11:30 AM EST

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Man is checking his credit report online - Image

Credit Matters - POSTPONED

Credit Matters

Understanding Your Credit Score

Learn More

BrightStar Seminars

This presentation covers the basics of how one’s credit score is compiled, who looks at your scores, what the credit bureaus look for, how to fix certain mistakes and other miscellaneous facts concerning loans and how to get the best rates.  The presenter will discuss how a person without any previous credit history can start building credit without going into debt. 
  • When:
    NEW DATES TO BE ADVISED

     

  • Where:
    NorthWest Regional Library
    3151 N. University Drive
    Coral Springs, FL 33065

  • The seminar starts from 06:30 PM – 7:30 PM EST


concept. young happy family couple dreaming of new house, car, child, financial well-being

The Road to Home Ownership - POSTPONED

The Road to Home Ownership

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BrightStar Seminars

Home buying is much more than choosing a realtor and looking at homes for sale. The Road to Home Ownership presentation covers what you have to do  a year or two prior to looking for a home, understanding different types of mortgage options, understanding the whole process and approval qualifications and what the closing entails.
  • When:
    NEW DATES TO BE ADVISED

  • Where:
    Pompano Beach Library and Cultural Center
    50 West Atlantic Blvd.
    Pompano Beach, FL 33060
  • The seminar starts from 06:30 PM – 7:30 PM EST

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Happy romantic senior African American man and woman couple looking at each other on a deserted tropical beach

Social Security and Your Retirement - POSTPONED

Social Security and Your Retirement

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Participants will learn:

1) The important rules of the road for receiving Social Security benefits

2) How to evaluate the possible routes they can take to make the most
of Social Security benefits

3) Ways to develop a retirement income plan that considers their
Social Security situation

  • When:
    NEW DATES TO BE ADVISED

  • Where:
    BrightStar CU Administration Center
    5901 Del Lago Circle,
    Sunrise, FL 33313

  • The seminar starts from 6:00 PM – 7:30 PM EST

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

Related Seminars


Rear View Of Loving Couple Walking Towards House

What to Expect When Purchasing a Home

Rear View Of Loving Couple Walking Towards House

Mortgages & Home Buying 101

Owning a home is a dream for many people. It’s something they hope to accomplish at some point in their lives. Sure, it is a hard task that requires a lot of work, but with proper budgeting anyone can do it! Mortgages and home buying can be very confusing and scary but researching the steps will relieve some stress. Provided below are common questions and answers people have.

It takes how many years to save for a down payment on a home?

Unfortunately, saving for a down payment on a home can take a lot of hard work and planning. Using the following example, we can illustrate the process you can take to figure out how long you will need to budget for.

Assume you make $56,000 and save around 15% of your income each month. That’s around $8,400 a year. It would take about 5 years to build a 20% down payment for a $216,000 home.

Buying insurance on your loan will allow you to have a smaller down payment but might be offset with greater monthly payments. With proper planning and a bulletproof budget, owning a home can be easy and a great goal to look forward to!

What Should I Expect at Closing?

Once you’ve taken all of the steps in saving, getting a mortgage, and finding your dream home, it’s time to close! There are few things you should be prepared for.

  • Your lender will send you a closing disclosure that outlines the terms of your loan, final closing costs, and outstanding charges or fees.
  • Do a final walk-through of the property to make sure everything is as it should be. For example, make sure any repairs that were made are as expected and that you are happy with your future home.

What to Bring to Closing

  • You will sign many legal documents between you and your lender.
  • Pay attention to all of the costs and escrow items. A majority of the time, the buyer is required to bring funds in the form of a cashier’s check made out to the escrow company.

Present Parties

  • Closing agent
  • Attorney
  • Title company representative
  • Home seller and their real estate agent

Closing Documents

  • Loan estimate and Closing disclosure
  • Initial escrow statement
  • Mortgage note and Deed of Trust
  • Certificate of occupancy