Holiday Travel and TSA Precheck Scams

Holiday Travel and TSA Precheck Scams

Holiday Travel and TSA PreCheck Scams

Family Finances | FRAUD

Group of friends taking a selfie

Do you like waiting in airport security lines during the holidays? Most likely not. Scammers know this and send emails that look like they’re from TSA PreCheck, a service offered by TSA to speed things up. But it’s important to note, these emails are not from TSA. These emails want you to click a link that takes you to a scam website that looks like the official website. If you pay to “enroll” or “renew” your TSA PreCheck, you may not even know you’ve just paid a scammer until you arrive at the security line for your next flight.

How do you spot these scams?

First Time

If it is your first time applying for TSA PreCheck, you won’t pay any application fee online. You must complete the application and pay in person at a TSA enrollment center.

Reminder: Only a scammer will ask you to pay online.

Renewing TSA PreCheck

If you’ve already enrolled in TSA PreCheck, you can renew and pay in-person or online. The real TSA does send out renewal reminder emails, but it is smart to always go directly to tsa.gov/precheck rather than clicking on any links.

Avoid Scammers

To avoid scammers, here are a few tips:

  • Don’t click links in unexpected emails or text messages
  • Don’t be rushed to make a payment
  • Always start at tsa.gov/precheck

Reminder: All TSA PreCheck sites are .gov, not a .com or .org

More information about enrollment: How do I apply for TSA PreCheck?

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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JVB Employee Recipes for Celebrating the Season

JVB Employee Recipes for Celebrating the Season

JVB Employee Recipes for Celebrating the Season

HOLIDAY

baking-cookies-from-recipe

The holidays are full of traditions – decorations, family recipes, gatherings, and activities. We’ve put together a list of our employees’ favorite holiday recipes to offer up some inspiration this holiday season!

Beef Bourguignon

This French classic is a great dish to make on a cold winter day. Also works well with wild game.

Ingredients:

  • 2-3 slices of bacon
  • 2-3 lbs boneless beef roast
  • 1 bottle of dry red wine (burgundy, cabernet sauvignon, bordeaux, etc)
  • 2-3 cups of beef stock
  • 2 tablespoons beef tallow or butter or lard
  • 2 carrots
  • 1 small onion
  • 1 stock of celery
  • 1 teaspoon minced garlic
  • 1 lbs mushrooms (whole or sliced)
  • 2 bay leaves
  • Salt & Pepper to taste

Note: It is best to make this entire recipe in a cast iron Dutch oven or braising pot. If needed you can do the searing/sautéing in a pan then transfer to a roaster.

Directions:

  1. Preheat your oven to 300 degrees
  2. Chop bacon slices into pieces and begin frying on medium heat in your cast iron Dutch oven or braising pot until the fat is fully rendered and the bacon bits are crispy 5—7 minutes.
  3. While this is cooking cube your boneless beef roast into approximately 2” cubes, season generously with salt and pepper making sure to coat all sides.
  4. Remove bacon bits and set aside leaving the fat in the pan. Sear off your beef cubes in the bacon fat making sure to brown all sides 2-3 minutes per side remove from pan and set aside.
  5. Now add your mirepoix (chopped celery, onion and carrots), if there is not much bacon fat left after searing the meat you will add your tallow/lard/butter at this time. If you wish to remove the celery after the cook leave these pieces larger. Sauté the mirepoix 5-7 minutes until the onions and celery have softened. Remove from pan and deglaze the pan with red wine making sure to scrape the bottom of the pan to turn up any fond.
  6. Turn off heat. Add your cubed beef, bacon and mirepoix back into the pan with the mushroom’s, garlic, and bay leaves. Add 2-3 cups of beef stock so that the mixture is mostly covered by the liquid.
  7. Cover with a lid and place into the oven for 3 hours at 300 degrees.
  8. Once fully cooked the cubed beef will be very tender, if it is not, cook an additional 30 minutes and test it again. The meat should be mostly covered by liquid to ensure a braise and so the meat does not dry out.
  9. Once done remove all the solids from the pan and place the pot on the stovetop. Heat the liquid on medium high heat reducing the liquid by ½. This will likely take 15-20 minutes, stir frequently to avoid scorching.
  10. The reduced liquid will have thickened, return the solid contents back into the pot removing the bay leaves and celery if desired. Allow this to warm back up 5 minutes on low heat if needed. Season with salt and pepper as desired.
  11. Serve over mashed potatoes, rice or butter noodles or enjoy as a stew.

This recipe can be done in a crock pot by placing the seared/sautéed ingredients into the crockpot on low for 6-8 hours.

Sweet Potato Casserole

This easy Sweet Potato Casserole topped with pecans and marshmallows is a traditional side at our family Thanksgiving table. This comforting dish combines mashed sweet potatoes, brown sugar, and butter with a hint of cinnamon.

Ingredients:

  • 3 pounds sweet potatoes peeled and cut into cubes
  • ½ cup brown sugar packed
  • ⅓ cup butter softened
  • ½ teaspoon vanilla extract
  • ¾ cup chopped pecans divided
  • ¼ teaspoon cinnamon or to taste
  • salt and black pepper to taste
  • 2 cups miniature marshmallows

Directions:

  1. Preheat oven to 375°F. Grease a 9 x 13 pan.
  2. Place sweet potatoes in a pot of boiling water. Simmer for 15 minutes or until fork tender. Drain.
  3. In a large bowl (or in the pot the potatoes were cooked in), mash the sweet potatoes with brown sugar, butter, cinnamon, vanilla and salt & pepper.
  4. Fold in half of the pecans and spread into prepared pan.
  5. Sprinkle with the marshmallows and the remaining pecans.
  6. Bake for 25 minutes or until marshmallows are golden brown and potatoes are heated through.

Homemade Apple Pie

My favorite recipe is making homemade apple pies with grandma and dad.

Ingredients:

  • Red delicious and granny smith apples
  • Sugar
  • A splash of apple juice
  • Tapioca pearls
  • Pumpkin pie spic
  • Homemade pie crust

Directions:

  1. Peel and core the apples
  2. Slice the apples almost paper thin
  3. Soak in the apple juice with the sugar, pumpkin pie spice and tapioca pearls. Stir them around every once in a while, with your hands or rubber spatula, so they don't turn brown.
  4. Put the apples in the pie crust after they have sat for half an hour.
  5. Cover with a top crust if desired, poke a few holes in the top with a fork.
  6. Bake at 350 degrees until the crust is golden brown and the filling is bubbling.

Butter Pecan Caramel Bars

Ingredients:

  • 2 c. flour
  • 1 c. brown sugar
  • ½ c. butter, softened (1 stick)
  • 1-2 c. pecan halves

Caramel Ingredients:

  • 2/3 c. butter, softened
  • 1 c. chocolate chips
  • ½ c. brown sugar

Directions:

  1. In a food processor, pulse the flour, brown sugar, and butter until it looks like sand.
  2. Press firmly into the bottom of a 9x13x2 baking dish.
  3. Place 1-2 c. pecan halves in a single layer over crust.
  4. For the caramel layer, melt the butter and sugar in microwave (30 seconds or till completely melted). Pour over pecans.
  5. Bake at 350° for 18-22 minutes until caramel is bubbly and crust is golden brown. Sprinkle with chocolate chips as soon as it’s out of the oven. Wait till the chips melt a bit then drag a knife through the chips to swirl. Do not spread the chips.

Soft Pretzels

Ingredients:

  • 2 ¼ warm water (105-110 degrees)
  • 1 Tbsp yeast
  • ¼ C. brown sugar
  • 4 C. flour
  • 1 Tbsp baking soda
  • Pretzel Salt

Directions:

  1. Combine and let yeast proof: 1 ¼ warm water (105-110 degrees) 1 Tbsp yeast ¼ C. brown sugar
  2. Add: 4 C. flour in a stand mixer, mix all together and knead it for 3-4 minutes.
  3. Let it rise for 20 minutes, then roll and shape into pretzels.
  4. In a shallow dish big enough to fit a pretzel, mix: 1 C. warm water 1 Tbsp baking soda
  5. Dip unbaked pretzels in water mixture and place on a parchment lined baking sheet. Sprinkle with pretzel salt and let rise 10 minutes.
  6. Bake at 465° for 7-9 minutes, or until golden brown.

Apple Bars

Filling:

  • 6 c. apples, peeled and sliced
  • ½ c. brown sugar
  • 3 tsp. flour
  • 1 tsp. cinnamon
  • ¼ tsp. each ginger, nutmeg and cloves

Crust:

  • 4 c. flour
  • 1 ¼ c. Crisco
  • Pinch of salt
  • 1/2 c. of ice water

Glaze:

  • 6 Tbsp. melted butter
  • 2 c. 10X sugar
  • Milk, to make a thin glaze

Directions

  1. Combine flour, salt and Crisco until crumbs form. Add water and stir just till it’s all combined.
  2. This can be done in a stand mixer with paddle attachment, just don’t overwork the crust.
  3. Divide the crust in two. Roll out one crust to fit an 11x15 jelly roll pan. Fill with apple mixture.
  4. Dot with 4 Tbsp of butter and cover with remaining crust. Cut slits in crust and brush with sour cream. Bake at 350°for 45-60 minutes or till golden brown.
  5. After the bars have cooled 20-30 minutes, drizzle the glaze over top.

Note: I use a variety of apples, usually Jonagold, Granny Smith and Honeycrisp. About 9-10 apples will fill an 11x15 pan.

Spinach Salad w/ Hot Bacon Dressing

Ingredients:

  • 8 oz. baby spinach, washed, dried, stems removed
  • 1 small red onion
  • 3 eggs
  • 6 slices thick cut bacon
  • 3 Tbsp. red wine vinegar
  • 2 tsp. sugar
  • 1/2 tsp. Dijon mustard
  • 1 package white button mushrooms
  • Salt
  • Pepper

Directions:

  1. Boil your eggs: place the eggs in a pot and allow them to reach a hard boil
  2. Fry the bacon until crispy. Remove bacon and place on a paper towel to drain. Reserve 6 Tbsp. bacon grease. Add 2 Tbsp. to a saucepan over medium heat.
  3. Slice the red onion thinly, then add to the saucepan over medium heat. Cook until onion is caramelized. Remove to a plate and set aside. (Optional)
  4. Slice the mushrooms and add to the same saucepan. Cook until brown and caramelized, remove to plate. (Optional)
  5. Peel and slice the eggs, chop the bacon into bite size pieces.
  6. For the Hot Bacon Dressing: Add reserved 3 Tbsp. bacon grease, red wine vinegar, sugar and Dijon mustard to a saucepan over medium heat. Whisk everything together and heat thoroughly.
  7. To a large bowl add the spinach, onions, eggs and mushrooms. Top with the chopped bacon. Pour the hot bacon dressing over the top, toss and serve.

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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10 Tips for Budgeting Your Holiday Season

10 Tips for Budgeting Your Holiday Season

10 Tips for Budgeting Your Holiday Season

Family Finances | Credit Cards

Group of friends taking a selfie

While the holiday season is a time of joy and celebration, it often has a significant impact on our finances. As holiday expenses – food, gifts, travel, and more – continue to rise each year, effective budgeting is essential to maintaining financial health into the new year. We have compiled a list of budgeting tips to help you survive he holiday season.

1. Get a Head Start

Did you know that 48 percent of Americans kick off their Christmas shopping before Halloween? While some people think the holiday shopping season is starting earlier every year, there is a reason why. If you wait until the last minute to begin holiday shopping, you risk losing out on the best deals, ample shipping time, and experience a higher financial impact to your wallet. Other benefits include:

  • Wider selection
  • Exclusive deals
  • Reduced holiday stress
  • Better planning
  • Improved shipping times
  • Opportunity for price adjustments

The earlier you shop, the better chance you have at stacking discounts and staying within your holiday budget.

2. Set Spending Limits

A good way to approach the holiday season is to set spending caps on your holiday shopping. First, look at your regular monthly budget, what are your everyday expenses for food, bills, and other necessities? Once you have a clear idea of how much you need to set aside, start adding in how much you expect to spend on presents and other holiday items. If you’re not sure, use last year’s holiday spending as a realistic reference.

Once you have your spending limits, it will help you set expectations early for how much you can afford. For example, you might decide to give four gifts to each of your kids, all totaling a certain amount. If your kids know this ahead of time, it might prevent disappointment Christmas morning. Additionally, if your budget doesn’t allow you to buy gifts for all of your family and friends, you can communicate early on, agreeing on price limits or not exchanging gifts at all.

3. Prioritize Bill and Other Essentials

It is important to prioritize your monthly essentials over your holiday nice-to-haves. There are plenty of memories you can make during the holidays that don’t revolve around money or gifts. Try to curb impulse buying and set aside money for your most important items – rent/mortgage, utilities, insurance, loans, and so on. Try sitting down with your family or friends and come up with ways you can spend time together this holiday season. These experiences may be more fun, less stressful, and easier on your budget!

4. Take Advantage of Holiday Sales

As the holiday season approaches, pre-holiday sales – such as Amazon Prime Day, Walmart Deals, Target Circle Week, Labor Day sales and more – offer consumers significant savings. These events allow consumers to shop early, stretch their budgets, and reduce holiday stress.

5. Track Your Spending as You Go

You do not want to make a holiday budget and then fail to track your spending. You can do it the old-fashioned way by saving receipts or handwriting them on a piece of paper. Or, you can automate it with an app on your smartphone.

6. Shop Online and Compare Prices

Online shopping allows you to compare prices, access a wider selection of products, read reviews and research without ever leaving the comfort of your home. Plus, many retailers offer free shipping and returns during the holiday season.

christmas credit card

7. Leverage Cash-back and Reward Programs

During the holiday season, your spending increases on travel, dining, and festivities. Did you know you can maximize your credit card rewards during the holiday season while your spending big? Most credit cards, like the JVB Simply Rewards Visa  Signature Credit offer one point per dollar spent, but multiple points on special categories like groceries, gas stations, discount stores, fast food, or restaurants, depending.

  • Cash Back: If you have a cash back card, this is a great time to build up points. You can get cash back to pay for those Thanksgiving grocery bills or prepare early for Christmas presents.
  • Travel: If you have a travel rewards card, you can book holiday flights with points or build up points by booking flights.
  • Merchandise and Gift Cards: Another way to use your rewards is to get merchandise or gift cards. You can then use these gift cards to buy gifts, or use as gifts!

Whether you’re booking flights, meeting family for a festive dinner, or buying gifts, you can leverage your credit card rewards for significant savings.

8. Manage Credit Card Use

Consider using a single credit card for all holiday purchases, making it easy to track spending and prevent overspending. It’s often tempting to defer payments during the holiday season by using credit cards or buy-now-pay-later options, however, use this with caution. Taking advantage of a 0% APR offer may allow you to avoid paying interest on the balance for 6 or 12 months. However, its crucial you pay the card off before the promotional period ends. To avoid accumulating debt, make sure all payments fit within your overall budget and you have a set timeline for repayment.

9. Reuse Last Year’s Decorations

New can be exciting, but when it comes to last year's Christmas decorations, you can reuse them! Christmas decorations can be expensive, and many of the latest trends are minor changes from the items you have in storage. Save money this year and deck the halls in last year’s ornaments and décor.

10. Open a Holiday Savings Account

Some banks and credit unions offer special, low-fee savings accounts for year-round savers to set aside holiday money, known as Holiday Savings Accounts. Some accounts come with benefits, such as automatic savings deposits and the option to receive the disbursement by a direct deposit or check on a certain day close to the holiday season for as little as $1 to open. There are many benefits to opening a holiday savings account, these include:

  • Build your holiday savings account throughout the year
  • Monitor your progress with online and mobile banking
  • You get a deposit in mid-October to get an early start to your holiday shopping
  • Earn interest on your holiday savings

It’s never to early to start saving for next year’s holiday season. Open a Holiday Savings account today!

The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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How to Use Fraud Alerts and Credit Freezes: A Step-by-Step Guide

How to Use Fraud Alerts and Credit Freezes: A Step-by-Step Guide

How to Use Fraud Alerts and Credit Freezes: A Step-by-Step Guide

Fraud

confused_girl_in_pink

In an increasingly digital world, protecting your personal information is more important than ever. With identity theft on the rise, two key tools can help safeguard your financial identity: fraud alerts and credit freezes. Both have their own purposes, but understanding how to use them effectively can give you peace of mind. Let’s look at each option and explore how to properly use them.

What Are Fraud Alerts?

A fraud alert is a notice placed on your credit report that signals to lenders and creditors they need to take extra steps to verify your identity before approving new credit accounts.

There are two main types of fraud alerts:

  • Initial Fraud Alerts: Last for one year and are ideal if you suspect you've been a victim of fraud or if your personal information has been compromised.
  • Extended Fraud Alerts: Last for seven years and are available to individuals who have been confirmed victims of identity theft.

How to Place a Fraud Alert

Choose a Credit Bureau: You only need to contact one of the three major credit bureaus (Equifax, Experian, or TransUnion) to place a fraud alert. The bureau you contact will inform the other two.

  • Provide Necessary Information: Be ready to provide your name, address, Social Security number, and date of birth. You may also need to give details about why you are placing the alert.
  • Wait for Confirmation: After you place the alert, the bureau will send you confirmation and update your credit report accordingly.
  • Monitor Your Accounts: Keep an eye on your credit reports and accounts for any suspicious activity during the duration of the fraud alert.

What Are Credit Freezes?

A credit freeze is a more stringent measure that restricts access to your credit report. This means that no one, including you, can open new credit accounts in your name until you lift the freeze. It’s an effective way to prevent identity thieves from using your information to secure loans or credit cards.

How to Place a Credit Freeze

  • Contact Each Credit Bureau: Unlike a fraud alert, you must request a credit freeze from each of the three major credit bureaus individually.
  • Provide Your Information: Similar to placing a fraud alert, you’ll need to provide personal information and possibly answer some security questions.
  • Monitor Your Credit Reports: While your credit report is frozen, it’s a good idea to continue monitoring it for any existing accounts that may show suspicious activity.
fraudvsfreeze scaled

    When to Use Fraud Alerts vs. Credit Freezes

    • Use Fraud Alerts if you suspect your information has been compromised but are not ready to prevent all access to your credit report. It’s a good first step to add a layer of protection without completely restricting your credit activities.
    • Use Credit Freezes if you are certain that you’ve been a victim of identity theft or if you simply want the highest level of protection for your credit. This is particularly useful if you don’t plan on applying for new credit in the near future.

      When to Use Fraud Alerts vs. Credit Freezes

      • Use Fraud Alerts if you suspect your information has been compromised but are not ready to prevent all access to your credit report. It’s a good first step to add a layer of protection without completely restricting your credit activities.
      • Use Credit Freezes if you are certain that you’ve been a victim of identity theft or if you simply want the highest level of protection for your credit. This is particularly useful if you don’t plan on applying for new credit in the near future.

      Lifting a Fraud Alert or Credit Freeze

      Lifting a Fraud Alert

      You can easily lift a fraud alert by contacting the credit bureau where you placed it and following their instructions. You can choose to remove it entirely or extend it if needed.

      Lifting a Credit Freeze

      To lift a credit freeze, contact each bureau online, by phone, or by mail. You can temporarily lift it for a specific creditor or permanently remove the freeze.

      Final Thoughts

      Understanding and utilizing fraud alerts and credit freezes can significantly enhance your financial security. While they serve different purposes, both tools are essential in the fight against identity theft. Taking proactive steps today can help you protect your future and maintain control over your financial identity.

      Stay vigilant, monitor your credit, and don’t hesitate to use these resources when needed and having a checking account that safeguards your peace of mind. Your financial health is worth it!

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      The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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      Pros and Cons of Buy Now, Pay Later

      Pros and Cons of Buy Now, Pay Later

      Pros and Cons of Buy Now, Pay Later

      Family finances

      Group of friends taking a selfie

      Buy Now, Pay Later (BNPL) options are an alternative to traditional credit that retailers are using to entice new customers and foster loyalty among existing ones. Companies like AfterPay, Klarna, and Affirm are reimagining online shopping. BNPL offers simple, interest-free installment plans that consumers pay back over a short period.

      It’s no secret BNPL has become a popular checkout option since 2019. People like the chance to pay later and get free financing. While the allure of delayed payments and immediate cash is undeniable, buyers must exercise caution.

      Consider these pros and cons before using buy now, pay later services.

      Pro's

      Con's

      Split up Payments

      One of the top benefits of BNPL services is that you can break up payments into smaller, less expensive amounts. It makes it possible to make a big purchase without having to have all the funds up front.

      0% Financing

      When you make your payments on time, many BNPL users get 0% financing.

      No Credit Check

      Not all, but some BNPL services do not check your credit before approving you. This gives younger consumers who are new to credit, a chance to have a financing option.

      sFees and Interest

      If you miss a payment, you may be charged late fees or interest. These can add up quickly, depending on the amount owed and how many you’ve missed. Just like traditional credit, if you stop paying, you may end up at a collection agency putting your credit score in danger.

      Possible Overdrafts

      BNPL services set up automatically scheduled payments, leaving room for potential checking account overdrafts if you aren’t monitoring your account. It’s important to make note of your BNPL payment schedule to ensure you have enough funds in your account to avoid late payments and potential NSF fees.

      Easy to Overextend Finances

      One pitfall of using BNPL services is that it can be easy to spend more than you have. Only paying attention to the cost of each payment, especially when you make several BNPL purchases, can easily rack up each month making it challenging to manage.

      Returns Can Be Difficult

      If you need to make a return after using BNPL services, you may be in for a headache. Unlike making a purchase with a credit card, funds get returned to the BNPL lender, which then get returned to you. While you wait for the return of funds, you are still required to continue making BNPL payments or face late fees and penalties. This may take weeks or months.

      Miss Out on Rewards

      When using credit cards, you may easily earn points or rewards. However, wen you use BNPL services you’ll forgo your rewards and potential other benefits.

      Should You Use BNPL?

      Whether or not you use buy now, pay later services depends on you. To responsibly use BNPL services, you should be prepared to pay on time, ensure you monitor your due dates, and not overextend your finances. If this is something you don’t think you are able to do, consider using other financing options such as credit cards, personal loans, and more.

      The content provided in this blog is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by JVB. JVB does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. JVB does not warrant any advice provided by third parties. JVB does not guarantee the accuracy or completeness of the information provided by third parties. JVB recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

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