8/4/2019 The Alliant Advisor, Summer 2011 Newsletter

http://slidepdf.com/reader/full/the-alliant-advisor-summer-2011-newsletter 1/2

visit our website at www.alliantcreditunion.org

Eight acts about burglaries1. Most home burglaries happen between

10am and 3pm.

2. Favorite items to steal: cash and thingsthat are easy to sell such as jewelry, silver,guns and electronic equipment.

3. The burglar’s typical rst stop is themaster bedroom because most peoplestore their valuables there.

4. The average loss per burglary is $1,725.

5. On average, burglars spend only eight to12 minutes in a home.

6. 34% o burglars gain entry to a homethrough the ront door, 23% through therst foor windows, 22% through theback door, 9% through the garage, 6%through unlocked entrances and storageareas, 4% through the basement and

2% through the second foor windows.

7. I your home lacks a security system, itis 3x more likely to be burglarized thanone with a system.

8. Your odds o being broken into by aproessional burglar are slim. Instead,the typical house burglar is a maleteenager who lives within a ew mileso your home.

Source: The Washington Post 

ofce closings

Labor Day–

Monday, September 5, 2011Columbus Day–Monday, October 10, 2011

This newsletter is or members’ personal use only.Reproducing and/or selling the contents o this

newsletter without prior written permission romAlliant Credit Union is prohibited. Copyright Alliant.Articles are prepared as an educational service orAlliant members. They should not be relied on as asubstitute or individual fnancial or legal research.Articles in this newsletter are not intended to be used(and may not be relied on) or penalty avoidance.

P.O. Box 66945, 11545 W. Touhy Avenue

Chicago, IL 60666-0945

www.alliantcreditunion.org

800-328-1935 (24/7)

Y ur v in f r l ly in ur t t l t 2 ,n c k y t h f ul l f i th n c r i t f t h

U ni t t t G v rn nt

  ti n l C r i t Un i n i ni t r t i n,U. . G v rn nt ncy

Yoursavingsfederallyinsuredtoatleast$250,000andbackedbythefullfaithandcreditofthe

UnitedState sGovernment

NationalCredit UnionAdministrat ion,aU.S.GovernmentAgency

Y ur v in f r l ly in ur t t l t 2 ,n c k y t h f ul l f i th n c r i t f t h

U ni t t t G v r n n t

  ti n l C r i t Un i n i ni t r t i n,U. . G v rn nt ncy

Y ur v in f r l ly in ur t t l t 2 ,n c k y t h f ul l f i th n c r i t f t h

U ni t t t G v r n n t

  ti n l C r i t Un i n i ni t r t i n,U. . G v rn nt ncy

Alliant’s 24/7 Member Contact Center,Website, Sel Service Telephone andATMs are available.

Visit our website, www.alliantcreditunion.org, orproduct and other inormation.

in this issue

How to protect your home rom burglary

Investing in the right urniture or yourselThe “How urniture savvy are you?” quiz

Do you know someone in the marketor a new home?

Eight acts about burglaries

1

3

4

2

M316-R08/11

  P .   O .   B  o  x  6  6  9  4  5 ,  1  1  5  4  5    W .   T  o  u  h  y   A  v  e .    C  h i  c  a  g  o ,  I   L  6  0  6  6  6  -  0  9  4  5

   w   w   w .  a l l i  a  n  t  c  r  e  d i  t  u  n i  o  n .  o  r  g

   <   <   N  a   m  e   >   >   <   <   A  d  d  r  e  s  s   >

   <   <   C i t  y ,   S t  a t  e ,   Z i  p   >   >

cover storywww.alliantcreditunion.org

Adviso

v

FIRST MORTGAGES

1/1 ARM 2.500% 3.239% 03/1 ARM 2.500% 3.132% 0

5/1 ARM 2.750% 3.123% 0

5/1 ARM (InterestOnly) 3.500% 3.367% 0

7/1 ARM 3.125% 3.239% 0

7/1 ARM (InterestOnly) 3.875% 3.556% 0

10/1 ARM 4.125% 3.840% 0

SECOND/VACATION HOMES

1/1 ARM 2.750% 3.719% 0

3/1 ARM 2.750% 3.574% 0

5/1 ARM 3.000% 3.534% 0

7/1 ARM 3.375% 3.622% 0

10/1 ARM 4.375% 4.189% 0

Rates, terms and conditions subject to change. Loanapproval, APR and downpayment required based oncreditworthiness, amount fnanced and ability torepay. APR=Annual Percentage Rate. First Mortgages

available in all 50 states. Rate is higher on fxed ratemortgages o $417,001 and above and on ARMs andInterest-only fxed rate mortgages o $500,001 andabove. Reer to the Alliant website or additional detailsand requirements. ARM=Adjustable Rate Mortgage.*The Annual Percentage Rate (APR) assumes a 20%downpayment on a loan amount o $250,000 with a30-year term. The results above assume an originationee o $1,350 plus $180 in additional prepaid fnancecharges plus 15 days o prepaid interest.

Mortgage Loan Rates

As of August 10, 2011

Type Interest APR* PointsRate

portrait o a burglar

Advisothe Allian

How to protect your home rom buAs the economy gets worse, home burglariesare on the rise, occurring once every 15seconds, according to the FBI. But, ortunately,burglary is considered one o the mostpreventable crimes – i you take a ewprecautions. The key is to make your homelook occupied whether or not you’re home andto make it look unappealing to burglars.

Picture the burglar mindset: they are on theprowl or something worth stealing in anunoccupied home that has easy access andlow visibility or detection. Theaverage burglar gets rustrated easilyand will spend no more than veminutes trying to break into a home.“They want to slip in and outunseen,” says Ocer Mark Buetow o 

the Milwaukee Police Department. “I they hear sounds o activity, they’llgenerally move on.” Here are steps totake to saeguard your home.

1. Be sure to lock all doors andwindows whenever you leave home. “It’s amazing how many people don’t dothat and yet it’s the simplest and best thinganyone can do,” says Charles Sczuroski o the National Crime Prevention Unit.

2. Burglar-proof your doors. Installdeadbolt locks and preerably have doorsthat are solid wood or made o steel-wrapped cord. For doors with windows,install a quarter inch Plexiglas barrier overthe existing glass.

3. Thwart window-shop by using shades and draptempting items out o sight. money, jewelry and valuableperhaps locked away in a hiSecure patios with a pin-typrod inserted into the door chhave a garage, install an autbolt type lock on each end o

4. Aofsyd

and faencourages burgla

out o your home. Motion dcause a sudden change rombright light can have the samautomatic timers on lights, rool burglars by making youoccupied. Another deterrentoutside your home indicatinan alarm system or a guard dyou don’t.

5. Don’t give burglars a shrubbery. Make your winand porches visible by trimmvegetation around them, depo a hiding place.

6. Get neighborly. I you more than a day, enlist a trupick up your newspaper andextended times away, make somebody on hand mow yoshovel your sidewalk and dryour local police to periodicon your place.Sources: bankrate.com, statearm.com and

(See related article,“Eight acts about burgla

8/4/2019 The Alliant Advisor, Summer 2011 Newsletter

http://slidepdf.com/reader/full/the-alliant-advisor-summer-2011-newsletter 2/2

22

Are you in the market to urnish or reurnish yourhome? Or do you simply want to buy a replacement

piece o urniture? I so, here are some things toconsider.

1. Know how much space you have. I appropriate,draw up a foor plan, sketching in the dierent sizes

and the arrangement o items you want.Consider the width o your

doorways, stairs and halls.

(A common urniture buyingmistake is to not measureyour room ahead o time toensure the piece will t into

the space and is in scale withurniture you already have.)

2. Know your style. List yourpreerred patterns, textures and

colors. I you are buying a piece o urniture rather than a whole room, get a sense o how the new item can complement the items you

already have.

3. Know your budget. How much are you willing

to spend? With a dollar amount in mind, get a senseo your options rom home decorating magazines,urniture showrooms and websites. I you plan inadvance, you can oten take advantage o seasonal

sales and clearances.

4. Know your lifestyle. To some people, at various

points o their lives, some items are best consideredto be consumer goods with a short lie expectancy.This is oten the case with people who move oten,have young kids or urniture-unriendly pets, such

as claw-happy catsand dogs. I, however,you’re looking to buyurniture or the longhaul, you may opt or

quality and even need todo some research intowhat indicates quality ina particular item.

5. Know what you truly

want. In best case scenarios,the urniture you choose will enhance your lie andexpress who you are. Writer Terri Sapienza suggestsyou soul-search by asking yoursel, “Do I love it?Will I still love it ve years rom now? Is it well-constructed? Is it too trendy? Is it versatile?”

Sources: theurniturestore.com, hookerurniture.com, about.com andThe Washington Post 

fnding urniture you love

Investing in the righturniture or yoursel 

SECTION 1: How welldo you know kinds owood?

1. This Southeast Asianwood, oten used inoutdoor urniture,weathers well.A. teakB. mahoganyC. cedar

D. ebonyE. pine

2. This aromatic woodis oten the preerredchoice or buildingclosets and chests.A. teakB. mahoganyC. cedarD. ebonyE. pine

3. On the plus side, thissot wood is quiteaordable. On the nega- tive side, it’s not verydurable.A. teakB. mahoganyC. cedarD. ebonyE. pine

4. This fne wood is con-sidered the aristocrat ocabinet woods.A. teakB. mahoganyC. cedarD. ebonyE. pine

5. This wood is a dark-colored and durable.A. teakB. mahoganyC. cedarD. ebonyE. pine

SECTION 2: How welldo you know urniture types?

6. Also known as a day-bed, this piece is greator reclining.A. sideboardB. armoireC. secretaryD. chaise

E. ottoman7. A low upholstered

seat, oten used as aootstool.A. sideboardB. armoireC. secretaryD. chaiseE. ottoman

8. This piece is designedor serving and otenincludes cupboardsand drawers or storing tableware.A. sideboardB. armoireC. secretaryD. chaiseE. ottoman

9. Originally designed to store clothing, thispiece is now commonlyused or entertainmentcenters.A. sideboardB. armoireC. secretaryD. chaiseE. ottoman

10. This desk type typicallyeatures a drop-lea.

A. sideboardB. armoireC. secretaryD. chaiseE. ottoman

SECTION 3: How welldo you know urniturestyle?

11. Also known as Artsand Crat, this styleemphasizes cleansimple lines andunpainted wood.Examples include theMorris chair and other

Stickley®

urniture.A. contemporaryB. French countryC. tropicalD. shabby chicE. mission

12. White painted urnitureand mismatched itemscreate this distinctivelook.A. contemporaryB. French countryC. tropicalD. shabby chicE. mission

13. Rustic and comortable, this style emphasizes the use o color and,oten, rooster imagery.A. contemporaryB. French country

C. tropicalD. shabby chicE. mission

14. Wicker, rattan andbamboo are used alot in this style.A. contemporaryB. French countryC. tropicalD. shabby chicE. mission

15. Clean lines, emptyspace, neutral tones accented bysplashes o bold colorcharacterize this style.A. contemporaryB. French countryC. tropicalD. shabby chic

E. mission

Well, sit back in a comy chairand let’s see how well youdid. 1 A; 2 C; 3 E; 4 B; 5 D; 6 D;

7 E; 8 A; 9 B; 10 C; 11 E; 12 D;

13 B; 14 C; 15 ASource: plentysmart.com

Do you know some o the basics o home decorating? Take this quiz to fnd out.

The “How furniture savvy are you?”quiz

3

$100 Mortgage Program Reward C

Offer expires December 3COMPLETE AND RETURN THIS CERTIFICATE TO:

Alliant Credit UnionAttn: Marketing Department

P.O. Box 66945

Chicago, IL 60666-0945

Member Information

Individual applying for a mortgage, please complete this section and mail to Alliant.

__________________________________________________________________________Member Account Number

____________________________ ______________ ___________________________

First Name Middle Name Last Name

__________________________________________________________________________Street Address (include unit #)

____________________________ ______________ ___________________________City State Zip Code

____________________________ ____________________________________________Phone Number Email

Once your Alliant mortgage loan is approved and clos

reward1 will be deposited into your Alliant savings ac

1YoumustbeorbecomeamemberoAlliantCreditUniontoqualiy.YoumloanbyDecember31,2011,to beeligibleto receivethe$100reward,whicintoyourAlliantsavingsaccount.Nosubstitutionswillbemadeorthe$10responsibleoranytaxliability.Onlyone$100 rewardperqualiyingmortgCertifcatemustbereturnedtoAlliantCreditUnion,ATTN:MarketingDepIL60666-0945,inordertoreceivethe$100 reward.OncewereceivetheCeamountandclosedate,wewilldepositthe$100rewardinyourAlliantsavonexistingAlliantmortgageloans.Oervalidonapprovedandundedmoloanrefnancesrom otherlenders.

Not in the market for a mortgage?

Pass along this Certifcate to someone who is.

Do you know someone in the market or a new hoPass along this great $100 OFFER!

I you or someone you know is in the market or a newor looking to renance a current residence, consider Algreat xed, adjustable and interest-only mortgages.

With our online application, it’s ast and easy to apply mortgage. Once the Alliant mortgage is approved and cwe’ll reward the borrower with a $100 savings deposit

Here’s how it works…1. Check out our below-market rates at www.alliantcr

(I the person you are reerring is not an Alliant memcan easily join online, too.)

2. Apply online or call our Mortgage Hotline at 800-36(Mon-Fri, 6am-7pm CT; Sat, 8am-12pm CT).

3. Mail in the Certicate below. Then, we’ll reward thewith a $100 deposit1 to his/her Alliant savings accou

1YoumustbeorbecomeamemberoAlliantCreditUniontoqualiy.YoumustapplyoryourmDecember31,2011,tobe eligibletoreceivethe$100rewardwhichwillbedepositeddirectlyinsavingsaccount.Nosubstitutionswillbemadeorthe$100reward.Recipientsareresponsiblliability.Onlyone$100rewardperqualiyingmortgagewillbeawarded.OriginalCertifcatemu toAlliantCreditUnion,ATTN:MarketingDept.,P.O.Box66945,Chicago,IL 60666-0945,inordert$100reward.OncewereceivetheCertifcateandveriytheloanamountandclosedate,wew$100rewardinyourAlliantsavingsaccount.OernotvalidonexistingAlliantmortgageloans.approvedandunded mortgageloansand mortgageloanrefnances romother lenders.

Help yoursel or someone you know sav

money with an Alliant mortgage