Travel is finally back in full swing, something we can all be thankful for this year. While staycations and remote-working vacations have been all the rage since 2020, pre-pandemic vacationing is making a comeback in 2022.
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With a desire for a much more normal holiday season this year, Americans are set to make it a landmark year for holiday spending.
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Healthy credit is a key component of qualifying for mortgages, auto loans, and even new jobs. A FICO score is the three-digit number that summarizes your credit report. It’s only a small slice of the credit pie, but it’s an important one. Understanding what it all means will greatly improve your chances for obtaining the highest credit score possible.
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Christmas might feel like a long way off, but it will be here before you know it. Help ease the stress the holiday season brings by thinking about your holiday spending goals now. Without a plan you may be more tempted to use your credit card which means you could be paying for the holiday festivities well into the spring. Starting to save now will help alleviate the stress of overspending and accruing more debt.
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It’s back-to-school time! Things may look different this year, but one thing is for certain, kids will need school supplies. Each year, various states hold a tax-free weekend to make back-to-school shopping more affordable for parents. Ohio’s is this weekend and starts Friday. Between Friday at 12:00 AM to Sunday at 11:59 PM clothing, school supplies and instructional materials (up to a certain value) will be exempt from sales and use tax. The stores are usually more crowded during tax-free weekend, so you may be asking is it worth it? We think it is.
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Be a Grocery Guru and Supermarket Saver with these quick and easy budgeting tips.
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June is Elder Abuse Awareness Month – specifically June 15 is the day! There are so many areas where our elderly family and friends can be abused or mistreated. In the state of Ohio, your financial institution is one of many mandatory reporters. What that means is, we are to be looking out for your best interests. If we suspect someone may be mistreating you or taking advantage of you, we are obligated to report that.
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Owning a home is at the pinnacle of the American Dream and it is easy to see why. It provides security and stability while checking a box off your life to-do list. For many, owning a home is a sign of success and a way to show how hard they have worked. Yes, owning a home is a wonderful thing, but it is also a big responsibility. Oftentimes people don’t realize how big of a responsibility it can be and end up with more than they can handle, especially financially.
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Everyone is looking forward to getting their coronavirus stimulus checks, and so are the scammers. Unfortunately, fraudsters are always trying to get their hands on your money, especially during a pandemic. At River Valley, we are here to help. Our Fraud Specialist has outlined some information below to help keep you and your money safe.
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What is the difference between a credit union and a bank? We in the credit union movement get that question all the time. The truth is, not much, at least on the surface. We appear to be very similar. Both offer savings products, loan products, checking accounts, etc. We both deliver those services through various channels such as a branch network, mobile network, auto dealership networks, ATM’s and such. Banks typically are larger with more branches and more customers.
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