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July 2018
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Card Cracking

Don't Be Scammed Into Letting Others Use Your Account

One of the most important aspects of any criminal enterprise is money laundering.  Whether it's drug dealers, human traffickers, terrorist financiers, or a common scammer, they all have one thing in common:  They need to hide the source of their money.  Believe it or not, one of the most common ways to do this is to use the banking accounts of everyday people.  No matter what type of account you have with a financial institution, you need to be sure that you are not being used as an accomplice in a money laundering scam.  Here's one example of how scammers can trick you:

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Operation Backpack

Operation Backpack is SCOE's annual school-supply drive to support low-income and homeless families in the Stanislaus County area.  Since 2008, they have collected over 6,000 backpacks for children in need.  New backpacks filled with supplies, and affixed with a completed school supply list can be dropped off at any Mocse branch location through July 31, 2018.  For more information go to
Tips for Estate Planning
Ensure your estate will be passed along without difficulty with these estate planning tips

Estate planning can seem to be an impenetrable, looming task. Thankfully, there are some tips on how to make the process quicker and more comprehensive.
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Should You Downsize?
Advantages and disadvantages of moving into a smaller home

According to a Harris Poll survey performed on behalf of Trulia, 64.2 percent of baby boomers — except those already living in a small home measuring less than 800 square feet — expressed a desire to move into a smaller home if they decided to move within the next year. However, is it financially wise to downsize or better to simply stay in your current house and save money in other ways?
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Essential Improvements to Make Before Listing Your House
Things to do before you put your house on the market

If sentimental value translated into actual dollars, selling your house would be easy. Alas, putting your house on the market requires a great deal of work. There are parts of your home that you might find charming or comforting, but they might not translate to new buyers when you put it on the market.
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Transform your sunny backyard into a shaded haven
Simple ways to give more shade to your outdoor living space

Warmer temperatures inspire more time spent outside in your backyard. Make sure this area of your residence is soothing and shaded to help you and your guests stay cool this season.
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How to Start Planning for Christmas in July
Avoid stress and debt by planning ahead for the holidays

July is the half-way mark through the year, which indicates Christmas is just six months away. While it might be tempting to save the preparations and shopping till closer to December, you can minimize potential stress and save money with a little bit of early planning — beginning in July.
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Mocse Credit Union      3600 Coffee Rd., Modesto, CA 95355       209-572-3600

Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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