Enroll in MFCU@Home Online Access
To log in to MFCU@Home for the first time, you will need to:
- Visit: https://www.marinefederalhb.org/tob/live/usp-core/app/login/consumer
- User Name - this is your account number without leading zeros
- Password - this is the last 4 digits of the primary account holder's social security number or TIN.
- Click Enroll Button
If you don't have this information or are in need of assistance, please contact Member Services at 910.577.7333 or 800.225.3967.
Do you want to splurge on a dream vacation to a tropical paradise? Would you like to have a savings account that is bursting at the seams? If you want more financial freedom, you’re in the right place. Wealthy individuals don’t become well-off overnight; they exercise self-discipline and patience. This article will reveal seven secrets of the wealthy that will move you closer to your idea of financial success.
1. Decide you want to be wealthy and make a plan
The first step to gaining wealth is admitting you want it. To solidify your proclamation, you have to write it down. Creating a plan will turn your dream into reality. Write down your goals and the steps you will take to get there. Your plan can be in the form of a budget, a list of bad financial habits you’ll replace with financially healthy habits, or you can enlist the help of a financial advisor. After your plan is in place, tell people you know and trust to reinforce your goals and create accountability.
2. Pay yourself first
Save before you spend. The best way to pay yourself is to set up an automatic payment to a separate account. At least 20% of your income should go to said account. Sometimes 20% is not possible. In this instance, subtract your income from your monthly expenses to calculate your disposable income. Your disposable income determines how much you have available to put towards saving. If you notice that the amount left over after expenses is low, take a closer look at the monies going out. Are you paying for wants or needs? Can you reduce or eliminate costs?
3. Pay down debt
Having debt is not conducive to your financial security because it prevents you from making the most out of your money. Decreasing your debt will ease stress, improve your credit score, and reduce the number of bills you have to pay. Focus on debt with the highest interest rate first and make payments above the minimum required amount. Also taking advantage of balance transfers is a beneficial move because it can significantly decrease the amount you pay towards interest.
4. Live below your means
Wealth cannot accumulate if you spend it. That is all.
5. Cook your meals
I’m not the best cook, but I do it because I know it will save me money. Anyone eating my food will just have to grin and bear it because I am on a budget. To give you more perspective, according to the United States Department of Agriculture, an average weekly grocery bill for one person is $77 and eating out costs an average of $12.75 per meal. If you were to eat out seven meals in a week, you would spend $89.25, not including the cost of the other meals you eat during the week. Would you rather spend $89 on seven meals or $77 on more than 21 meals?
There is a misconception that only the wealthy invest in mutual funds and annuities; this could not be further from the truth. In fact, part of the reason you become wealthy and stay that way is because you invest your money. When you invest, multiple streams of income are created. Marine FCU has trained professionals who can show you countless investment options that will get your money working hard for you. While investing, be sure to diversify your efforts, because if you don’t, it’s similar to putting all your eggs in one basket. When all the eggs fall out, you’ll be left with nothing.
7. Say NO to instant gratification
I know that cute pair of shoes goes perfectly with that outfit you plan on wearing Friday night, but do you need it? Probably not. If it’s a want and it’s not in your financial plan, just say no!
Okay, the secret’s out. If you implement these seven secrets, you will be well on your way to wealth and financial stability. Before you exercise any of these seven secrets, you must follow bonus secret number eight.
8. Stop procrastinating!
These are just a few ways to achieve financial independence. Share your secrets to becoming wealthy here and you could be featured in our marketing content!
"What you don't know, can't hurt you." Wrong! Ok, well in this instance it can't technically hurt you, but it can prevent you from making your life a whole lot easier. Who wouldn't want that?
Banking at Marine FCU myself, I take advantage of many perks of membership and I am excited to share five with you today in the video below. Some will help you save money, some will make your life more convenient, and some are just really cool. What the best part is, they all don't cost a thing!
You will find being "In the know" is a very good place to be.
It’s not uncommon to bring the mail in and toss it into a dark corner. We, as consumers, are so besieged in this age of instant information that it’s easy to overlook important mail pieces from the companies we do business with.
However, your new Marine FCU Debit Card with EMV Chip Technology might be one of those mail pieces. You open it and think, “As long as my current one keeps working, I’ll use it to the end and beyond. What harm is there in waiting until the last minute?”
Thus becomes A Tale of Two Cards. One is hot … able to do transactions and withdraw money directly from your account … and the other is not. We’re assuming both are in your possession, but we can’t be 100% sure of it.
Herein is where lies the problem. If your new debit card is not activated by the deadline and you’re still using your current debit card, both will become unusable. An un-activated debit card and an expired debit card create a huge security risk. (Remember … both of them have the ability to access your account directly–the risk lies in the cards being in the wrong hands.)
I promise that it’s not our intention to aggravate you with follow-up reminders or cause you hardship when both cards are rendered unusable. It’s our mission to protect your accounts.
So when your new Marine FCU Debit Card arrives … don’t hesitate, activate!
Making deposits at an ATM just got easier! You no longer need to hassle with envelopes. Just deposit your cash or checks directly into the machine.
ATMs in these locations now have the easy deposit feature:
Bojangles, 7085 Hwy. 70 E. Map it!
Exxon Station near Lowes, 23154 Hwy. 17. Map it!
Piggly Wiggly parking lot, 707 Main St. Map it!
Next to Jackson Hewitt Tax Service, 966 Hwy. 210. Map it!
160 Sea Island Parkway, in the Sherwin Williams parking lot. Map it!
Try it out and see how simple it is!
A 770 mile March, in honor of 7 fallen heroes, came to an end at the Marine FCU Stone Bay branch in Sneads Ferry, North Carolina. Both Marine FCU employees and members gathered together along the road to welcome the ruckers. The ruckers, as they call themselves because of the rucksacks on their backs, are carrying a paddle, which was found at the crash site.
The crash happened March 10, 2015, off the coast of Florida. A Black Hawk helicopter carrying seven Marines and four Louisiana National Guardsmen crashed in the Santa Rosa Sound. All 11 military members were killed in the crash, seven of which were Marines, according to jdnews.com.
Be there for the most exciting event on the planet. Roundtrip airfare for two. 4-night stay at a deluxe hotel in Rio. 2 prime seats at the Opening Ceremony. Tickets to the Olympic Games and more.
Use your Visa from 3/1/16 - 4/30/16 for a chance to be at The Olympics. No Purchase or Obligation Necessary to Enter or Win. Details below.
VISA RIO 2016 OLYMPIC GAMES-THEMED SWEEPSTAKES ABBREVIATED RULES NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. NON-PURCHASE ENTRIES AND PURCHASE ENTRIES HAVE AN EQUAL CHANCE OF WINNING. Sweepstakes is open only to legal residents of the fifty (50) U.S. and D.C., 18 years of age or older as of March 1, 2016, and legal residents of Canada who are of the age of legal majority in their territory or province of residence as of March 1, 2016. Begins at 12:00:00 AM Pacific Time (“PT”) on March 1, 2016 and ends at 11:59:59 PM PT on April 30, 2016 (“Promotional Period”). There are two (2) ways to enter the Sweepstakes: 1) Automatic Entry: An eligible Visa cardholder will automatically receive one (1) Sweepstakes entry for each purchase made with an eligible Visa card within the United States or Canada during the Promotional Period. Certain restrictions and exclusions may apply. 2) Non-Purchase Entry: To enter without an eligible Visa card, purchase or obligation by postal mail: hand-print your name, address, city, state/province/territory, ZIP or postal code, and daytime and evening telephone numbers (including area code) on a 3" x 5" card, and mail, in a #10 envelope with postage affixed, to: Visa Rio 2016 Olympic Games-Themed Sweepstakes: P.O. Box 918, Plainview, NY USA 11803-0918. Mail-in entries must be postmarked by April 30, 2016, and received by May 6, 2016 in order to be eligible. Enter as often as you wish; however, each mail-in entry must be mailed in a separate, postmarked-and-stamped envelope. No mechanical reproductions permitted. PRIZE: One (1) Grand Prize: a 5-day/4-night trip for two (2) people to the 2016 Olympic Games in Rio de Janeiro, Brazil, including two (2) tickets to Sponsors’ selected events, round-trip, coach air transportation for two (2) people from a major international U.S. or Canadian gateway airport nearest the winner’s home to Rio de Janeiro, Brazil, round-trip transportation to/from airport and hotel and all scheduled activities, hotel accommodations, a tour of a Rio de Janeiro landmark, Visa Olympic-themed merchandise and a $400 USD ($544 CDN) Visa gift card. Grand Prize will also include $10,000 USD ($13,593 CDN) cash (awarded in the form of a check to the winner) that may be used toward the payment of any/all applicable taxes and withholdings associated with the prize. Total Approximate Retail Value (“ARV”) of Grand Prize: $32,500 USD ($44,177 CDN). All Canadian dollar conversion rates are as of December 8, 2015. ODDS: Estimated odds of winning a Grand Prize are 1: 9,057,065,278 however, the actual odds of winning depend upon the total number of eligible entries received from all eligible jurisdictions. Sweepstakes subject to complete Official Rules, which may be obtained at www.visa.com/RioSweeps. Void in Puerto Rico and where prohibited. SPONSORS: The Sponsors of this Sweepstakes are Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999 and Visa Canada Corporation, P.O. Box 124 Toronto, ON M5H 3Y2.
Now you can get fast access to your Marine FCU app with Eyeprint ID, Touch ID, and Quick Balance. There is no need to hassle with passwords anymore! Now you can log into mobile account access quickly and securely with the latest technology on our app. Choose the one that's right for you:
- Takes a quick photo of your eyes to create a unique-to-you login.
- Available on most devices with a 1-megapixel front camera.
- Uses the same fingerprint recognition you set up on your iPhone®
- Available on iPhone 5s, iPhone 6 or iPhone 6+
- No need to login.
- Swipe down after you open our app to view a quick balance.
Activate these new features by going to the Marine FCU app Settings menu. If you don't see Eyeprint ID, Touch ID, or Quick Balance options, update your app to the latest version in App StoreSM or Google PlayTM
The Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Touch ID is a trademark of Apple Inc. App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc.
If your Marine FCU Debit Card is not allowing transactions, there is a possibility it's blocked to prevent fraud on your account. A phone call was made to your work or home phone number to verify recent transactions. If we were unable to confirm these transactions, the card was blocked. A new one is being ordered and sent to the mailing address on file.
If you have any questions, please call the Member Resource Center at 910.577.7333 or 800.225.3967, weekdays during normal business hours, Eastern Time.
Although February 27 marked the end of Military Saves Week for 2016, we encourage you to save towards your goals all year long. Many savers signed the Military Saves pledge and committed to a future of saving. Marquel C. from Camp Lejeune, NC was the lucky winner of an XBox One and 50" TV. Congratulations on winning Marquel!
Fees That Went Into Effect March 1, 2016
- Online Convenience Fee (Loan payments paid by credit or debit card online through MFCU@Home) - $5.00
- Negative Balance Fee (Accounts with negative balances for three days or more) - $1.00 per day starting on evening of 3rd day until no longer negative, not to exceed 30 calendar days
- Cashiers Check/Corporate Draft - $3.00
- Money Order - $3.00
Your new replacement debit card featuring EMV chip technology has an activation deadline. If you do not activate your replacement debit card before the activation deadline, then your new EMV debit card and your current debit card (issued with the same card number) will be shut down as a security measure. Please act upon our periodic alerts to remind you that your activation deadline is fast approaching.
Our number one priority is protecting your finances, and an un-activated debit card poses a risk to your account.
Our Member Resource Center or a branch can help you order a new debit card. Please call 910.577.7333 or 800.225.3967, Monday through Friday during regular business hours, Eastern Time, or stop by one of these locations.
Tax Time, Scam Time
Ceci Markwick, Corporate Communications
The saying, “If it sounds too good to be true, it probably is” never goes out of style. At this time of year, tax scams are abundant. Being aware helps prevent you from being preyed upon. Don’t be a victim! Last year, the Internal Revenue Service (IRS) published a list of “Dirty Dozen Tax Scams.” Here are three that you may encounter:
Criminals call impersonating IRS representatives. They’re great con artists … providing badge numbers and even changing the Caller ID to look like it’s coming from the IRS. If they claim you owe money, they can be very rude and aggressive, and will threaten to have you arrested, deported, your driver’s license revoked, and more. If they claim you are due a refund, they’ll do whatever they can to get your personal information. Don’t be a victim!
The IRS doesn’t send email regarding charges, refunds, or a request to update your personal information. If you receive an email with a link, be on guard! Clicking on it may take you to a fake website designed to look like the real deal. If you end up on one of them and enter your personal information, you’re setting yourself up for identity theft. Don’t be a victim!
During tax time identity theft increases. If someone uses it to file a fake return, the IRS will do everything it can to go after that individual. Protect your personal information, including your Social Security Number, at all times. Don’t be a victim!
The IRS states they will never call to ask for immediate payment or your credit card number, or email you for personal information. If you owe money, you’ll always receive a letter in the mail. When in doubt … call the IRS directly at 800-366-4484. Forward any suspicious emails to firstname.lastname@example.org. For more details, go to https://www.irs.gov/uac/Tax-Fraud-Alerts.
Board of Elections Notice
The Nominating Committee has proposed John Eller, Mike Dunn, and Lois Dupuis for three-year terms to the Board of Directors. Article V, Section I of the by-laws provides that nominations for vacancies may also be made by petition signed by at least 500 members. They must include their names and addresses. Nominations shall be accompanied by a certificate from the nominee(s) stating his/her agreement to the nomination and a willingness to serve if elected.
Such nominations, by petition, shall be filed with the Secretary of the Credit Union at Marine FCU’s Corporate Headquarters at 4180 Western Boulevard in Jacksonville, North Carolina, no later than March 25, 2016. Article V, Section II of the by-laws provides that no nominations will be made from the floor unless sufficient nominations have not been made by the Nominating Committee or by petition.
Election of Board Members will be held at the Annual Meeting at Jacksonville Commons in Jacksonville, North Carolina on Thursday, May 12. Results will also be announced.
Provided by Marine Federal Financial Group
Over the past 12 months, consumer prices have increased very little. The latest Consumer Price Index (September) shows 0.0% yearly inflation and only 1.9% core yearly inflation. That means no cost-of-living adjustment for Social Security, and very few IRS adjustments to retirement plan contribution limits.1
Roth IRA & traditional IRA contribution limits stay the same for 2016. Those 49 and younger in 2016 can contribute up to $5,500 to their IRAs, while those 50 and older will be able to contribute $6,500.2
401(k), 403(b), 457 & TSP annual contribution limits are also unchanged. Savers will be able to defer up to $18,000 into these plans in 2016 with an additional catch-up contribution of up to $6,000 permitted for those 50 or older.3
SIMPLE IRAs? No COLA for those accounts either. The base contribution limit for a SIMPLE IRA stays at $12,500 next year, the catch-up contribution limit at $3,000.2
The same goes for SEP-IRAs & Solo 401(k)s. Small business owners have a maximum deferral amount of $53,000 for 2016. As for the compensation limit factored into the savings calculation, that limit will remain at $265,000. The compensation threshold for an employee to be included in a SEP plan stays at $600 (i.e., that worker has to receive $600 or more in compensation from your business in 2016).2,3
The phase-out range for Roth IRA contributions has been adjusted a bit. In 2016, you will be unable to make a Roth IRA contribution if your AGI exceeds $194,000 as a married couple filing jointly, or $132,000 should you be a single filer or head of household. Those figures are $1,000 higher than in 2015. Joint filers with AGI of $184,001-194,000 and singles and heads of household with AGI of $117,001-132,000 will be able to make a partial rather than full Roth IRA contribution next year. If you really want a Roth IRA but your AGI is too high, you can always open a traditional IRA and then convert it to a Roth.2
As for deducting regular IRA contributions, one phase-out range change has been made. The change is slight. If you contribute to a traditional IRA and your employer doesn’t sponsor a retirement plan, yet your spouse contributes to a workplace retirement plan, the AGI phase-out on deductions of traditional IRA contributions strikes when your combined AGI ranges from $184,001-194,000. That is a $1,000 increase from the 2015 phase-out range.2
If you are a single filer or file as a head of household contributing to a traditional IRA and you are also covered by a workplace retirement plan, the AGI phase-out range for you remains at $61,001-71,000. If you file jointly, contribute to a traditional IRA and are also covered by a workplace retirement plan, your AGI phase-out range is the same in 2016 – $98,001-118,000. Above the high end of those phase-out ranges, you can’t claim a deduction for traditional IRA contributions.2 If you are married, filing separately and covered by a workplace retirement plan, the phase-out range on deductions of traditional IRA contributions is $0-$10,000 (this never gets a COLA).2
AGI limits for the Saver’s Credit will rise slightly. Americans saving for retirement on modest incomes will be eligible for the credit next year if their AGI falls underneath certain thresholds: single filers and marrieds filing separately, adjusted gross income of $30,750 or less; heads of household, AGI of $46,125 or less; joint filers, $61,500 or less.2
ESOP dollar amounts are unchanged next year. The dollar amount used to figure out the maximum account balance in an ESOP subject to a 5-year distribution period will still be $1,070,000 in 2016, while the dollar amount used to determine the lengthening of the 5?year distribution period will remain at $210,000.3
Contribution limits for profit-sharing plans rise as per limits for 401(k)s. A participant in such a plan is looking at a 2016 elective deferral limit of $18,000 ($24,000 if she or he is old enough to make catch-up contributions). The yearly compensation limit on such plans stays at $265,000.4
Lastly, maximum yearly benefits for a defined benefit plan will remain at $210,000. The dollar limitation defining key employees within a top-heavy plan again stays at $170,000.3
Gale Gourley and Don Swingler are Financial Advisors with Marine Federal Financial Group located at Marine Federal Credit Union. If you have any questions, or would like to provide feedback, regarding the information presented in this article, you may contact Gale or Don at 910-577-7333, Ext 5284.
This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.
1 - usatoday.com/story/money/2015/10/15/cpi-for-september/73957022/ [10/15/15]
2 - forbes.com/sites/ashleaebeling/2015/10/21/irs-announces-2016-retirement-plans-contribution-limits-for-401ks-and-more/ [10/21/15]
3 - irs.gov/uac/Newsroom/IRS-Announces-2016-Pension-Plan-Limitations%3B-401%28k%29-Contribution-Limit-Remains-Unchanged-at-$18,000-for-2016 [10/21/15]
4 - shrm.org/hrdisciplines/benefits/articles/pages/2016-irs-401k-contribution-limits.aspx [10/22/15]
Have you ever wondered why you use money in a particular way? Many forces impact the development of your money personality. You make purchases to fulfill desires and to make yourself feel a certain way. Some spending influences include: advertising, media, society, friends, family, and easy credit. In addition, shopping is an “experience” to enjoy and there are so many goods that are so affordable.
One way to evaluate your approach to money is to identify your attitudes about money. Where do you fit?
• Hoarder – The hoarder likes to save, budget, and prioritize
• Spender – The spender likes to spend
• Planner – The planner is the nitty-gritty, take-it-one-step-at-a-time type
• Dreamer – The dreamer hatches passionate schemes, but has no idea how to make them come true
• Merger – The merger wants to pull all of the couple’s money together
• Separatist – The separatist wants at least some of his/her own money
• Risk-taker – The risk-taker loves adventurous investing
• Risk-avoider – The risk-avoider goes for the sure thing
Need a financial counselor? As a (member/customer/resident/consumer/client) of (Organization), you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com
2015 Rainbow Saver Christmas Card Contest Winners
Congratulations to the 2015 Rainbow Saver Christmas card contest winners!
By Dawn Jones, Chief Information Officer
It’s been a progressive year for providing new and improved Marine FCU online products.
- New members can open an account online.
- The online loan application process was streamlined with a quicker approval time for qualified members.
- There is now a Principle Only payment option for most consumer loans.
- eCheck Deposit is now available on all Marine FCU apps, including iPads and other tablets.
- A calculator has been added to Bill Payment.
- Built-in fingerprint-sensor technology with Touch ID is available on select iOS devices.
Included below are new online solutions we are currently working on, some of which may be available by the time you receive this Success Newsletter:
- Request a Skip-A-Payment.
- Make a payment to your Marine FCU loan from an outside source.
- Apple Pay
- Eyeprint ID™ technology on mobile devices … takes an image and pattern-matches the blood vessels in the whites of the eye, eliminating the need to remember and manually type a password.
- Set up a Funds Transfer request via a mobile device.
- Apply for online account access via a mobile device.
As always, your security is our number one priority. Marine FCU works diligently to ensure that these solutions are safe and secure, while also providing you with convenient access to your finances.
Robert Dickerson, Executive Vice President
Marine FCU will soon be issuing Visa® Debit Cards with the EMV chip. While this technology will help reduce in-store purchasing fraud, the chip needs protection against Radio Frequency Identification (RFID) scanners, which can steal your card information off of the EMV chip.
RFID technology has been in use in a variety of industries … healthcare, passports, driver’s licenses, toll collection, inventory control, animal tracking, and more.
Help protect your chip card. Ask a Marine FCU representative for a RFID-blocking card holder when you receive your new chip card. RFID-blocking wallets and passport holders are also available through major retailers such as Amazon and Walmart.
Having protection on both sides helps prevent your card information from being stolen.
Craig Chamberlin, President/CEO
I don’t believe there’s ever been a truer saying than “time flies when you’re having fun” and in my last 30 years here at Marine FCU I’ve had a blast. I’ve been with credit unions for 45 years, starting out in Charleston, South Carolina at Shipyard Credit Union, and then moving to Virginia for 10 years. Looking back over these 45 years I couldn’t imagine doing anything else. The last 30 years at Marine FCU have been the absolute best for a wide variety of reasons … let me just tell you a few:
Board of Directors–Marine FCU is blessed to have a Board of Directors made up entirely of volunteers who are extremely dedicated to the organization and to the members, and have been since the inception of the Credit Union in 1959. Their constant message to me over the years has been to give back to the communities that we are in, ensure that the members always come first, and be extremely reasonable with the fees we charge and fiscally protective of our members’ money. To show their dedication, many such as Mr. Hemmingway, Mr. Eller, and Mr. Yadlowsky, have each served on the Board over 30 years, expending countless hours of voluntary service to a now $730 million dollar organization. Their dedication is second-to-none.
Management & Staff–I’ve been associated with quite a few organizations, professionally, in both Virginia and North Carolina, and be assured the management and staff of Marine FCU are the yardstick of which others should measure themselves. I have never been around a finer group of individuals who live and breathe the credit union philosophy 24/7. They go out of their way time and again for the membership, and more importantly for each other, in creating a family atmosphere here … much like the Marine Corps’ “taking care of our own.” Trust me when I say there is a genuine caring among the staff for one another and that is seen very rarely in other organizations. I would tell any member that although assets are measured in dollars, the true assets of this organization are the people who serve the membership and Marine FCU is indeed blessed to have each and every one, individually and collectively.
So, as of 31 December, I’ll bring my career to an end after 45 years; but I’m very, very pleased to inform you that our Chief Operations Officer, Jeff Clark, will take over as the new President/CEO. Going forward, the Credit Union will be in the best of hands.
In this, my last message to the membership, I wish you well and as a great man once said, “It’s time to call the dogs and throw water on the fire ‘cause the hunt is over.”
I’m going home to be with the love of my life … Miss Debby.
Effective November 1, the amount of Rainbow Bucks required to redeem gift cards has increased by five. The new amounts are:
- 15 Rainbow Bucks = $5 Gift Card
- 25 Rainbow Bucks = $10 Gift Card
- 35 Rainbow Bucks = $20 Gift Card
Click here for more information on the Rainbow Saver Gift Card Program.
or card numbers via unsolicited telephone calls, emails, or text messaging. Security Center