Get out in the Hudson Valley This Fall!

Posted by Hudson Heritage Federal Credit Union on Oct 18, 2019 10:39:17 AM

Check out these great places to visit, right here in the Hudson Valley!

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Topics: Travel & Leisure, Fall 19 Newsletter

Need Extra Cash for the Holidays? You May Already Have it

Posted by Hudson Heritage Federal Credit Union on Oct 11, 2019 4:00:00 PM

As the dog days of summer are counting down and the cool air of the fall approaches, it's time once again to start planning for the holiday season. As we contemplate where the time has gone, at least there is still enough time to plan for the upcoming holidays and ensure they are meaningful. One good planning strategy is to check your credit/debit card rewards and retailer loyalty programs to help get extra cash and find great deals. 

The Holidays are Expensive

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Topics: My Finances, Fall 19 Newsletter

Cybersecurity Awareness: 5 Ways to Defend from Cyber Threats

Posted by Hudson Heritage Federal Credit Union on Oct 4, 2019 4:32:00 PM

As technology advances, so do the methods that hackers use to steal your information. That’s why raising cybersecurity awareness is more important now than ever before. You need to know how to fend off cyber threats like email phishing and identity theft before it takes place. Below are a few tools and tips to help protect yourself in this highly evolving digital age.

Create Strong Passwords

The easiest way to access an account is to have the password to it; weak passwords cause 81% of all hacking related data breaches. That’s why hackers and scammers usually try to obtain passwords before anything else. Despite that, people rarely put thought into their passwords. For example, the password used for the U.S. nuclear missile unit was “00000000” for twenty years. Passwords should be complex and unpredictable strings of letters and numbers. They shouldn’t contain any common words, and they should be lengthy. A password that is over 16 characters would take thousands of years to crack from a brute force attack!

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Topics: Safety & Security, Fall 19 Newsletter

Funding a College Education: The Basics

Posted by Hudson Heritage Federal Credit Union on Oct 3, 2019 4:41:00 PM

Over the past ten years, the average cost of tuition at a four-year university has risen more than $7,000. This can pose a significant problem for many college students and their parents as they struggle to figure out how to come up with the cost of tuition, room and board, books, and more. Fortunately, there are strategies that can help many students better afford the rising cost of tuition. 

1. Apply for FAFSA Early.

FAFSA registration opens on October 1. If your student wants to qualify for the best possible grants, scholarships, and work-study aid, it's important to apply as soon as possible. Many universities and even scholarship programs also require early registration for FAFSA, so make sure that your student takes care of filling out that important paperwork as soon as possible. 

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Topics: My Finances, Fall 19 Newsletter

Summer Vacation Security Checklist for Your Home

Posted by Hudson Heritage Federal Credit Union on Jul 24, 2019 4:00:00 PM

Summer vacations are a wonderful opportunity to get away from the normal stresses of home and soak up the sun. Whether you head upstate to visit relatives or fly to a white sunny beach somewhere far away, your home will be waiting empty until your return. Unfortunately, while you're enjoying your summer fun, criminals may be casing your home.

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Topics: Safety & Security, Summer 19 Newsletter

Age is Just a Number - Stay Active This Summer

Posted by Hudson Heritage Federal Credit Union on Jul 23, 2019 5:00:00 PM

Many people find excuses to limit their exercise regimen as they get older. Pain, limited mobility, or previous injuries. For others, it's simply a matter of being lazy, regardless of age. Then there are those who relish in the opportunity to get outside and remain active. 

No matter what your age, physical ability, or physical limitations, there are a number of ways to stay active as the summer approaches. 

Gardening

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Topics: My House & Home, Summer 19 Newsletter

10 Home Efficiency Tips on Staying Cool This Summer

Posted by Hudson Heritage Federal Credit Union on Jul 23, 2019 4:00:00 PM

Every summer, the temperature goes up and so too does your power bill. The energy your AC requires to keep the house cool and your family comfortable is impressive, especially when the hot summer sun is heating up your house from the outside. Every year, you may enjoy the bright sunshine and the laughter of children out of school, but you don't look forward to that rising power bill.

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Topics: My House & Home, Summer 19 Newsletter

Buyer's Beware ... Common Factors Buyers Skip Over When Buying

Posted by Hudson Heritage Federal Credit Union on Jul 23, 2019 4:00:00 PM

You've found the perfect home. It's a beach-front property sitting on two acres of land with the best views. But, if you're like most buyers, you didn't ask the right questions during the purchase process. For example, why's that huge blot of paint thicker on the siding of one wall than it is on others? Or, why is the home sloping so much at the back, while it's level at the front? These, and other things buyers forget to look for when buying, end up costing more than they bargained for. 

Concealing Paint Coverage

You'll obviously look at the floor and ceiling for watermarks to spot signs of water damage. But, if you notice fresh paint right before an open house, on several walls or areas of the home, sellers might be trying to hide something. This includes mold damage, which is an even bigger issue you don't want to deal with. Check pipes, exposed areas, and look for fresh paint. If it's staring you in the face, don't hesitate to ask about it.

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Topics: My House & Home, Summer 19 Newsletter

Five Ways To Throw the BEST Yard Sale on the Block

Posted by Hudson Heritage Federal Credit Union on Jul 23, 2019 4:00:00 PM

Throwing a good yard sale is a lot like throwing a party--you want lots of people to come, have a good time, and not leave empty-handed. So when you're planning a yard sale, think of it as a party you're having--and follow these five tips to have the best yard sale on your block. Enlist the grown-ups to run the sales, and let the kids set up lemonade stands for thirsty shoppers. 

Invite the Neighbors

The first thing you do when you have a party is to invite the neighbors, and a yard sale is no exception. Get as many families as you can to join you in the yard sale; the bigger the sale, the more traffic you'll get. Also, when you expand your sale you get the benefit of your neighbor's expertise--if you're not good with social media, chances are good you have a neighbor who's a Facebook whiz. And social media is a must for a successful yard sale. 

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Topics: My House & Home, Summer 19 Newsletter

7 Reasons to Upgrade to Digital Wallets

Posted by Hudson Heritage Federal Credit Union on Jun 13, 2019 3:23:27 PM

A digital wallet is defined by Investopedia as a system that stores personal payment information and passwords for multiple payment methods. Just like your physical wallet, a digital wallet stores your credit, debit, and other card information. However, all of the information is conveniently located on your smartphone. With 77% of American adults owning a smartphone, extending the convenience of these devices to consumer banking and purchasing habits is a natural next step.

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Topics: My Finances, Safety & Security