Are you familiar with tokenization? As digital wallets and mobile payments have gotten more popular over the years, hackers have found more ways to steal your information. Tokenization is a process that combats fraud and protects your personal and payment information.
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Whether you find out you’re expecting or you get a call from your adoption agency, your first response to welcoming a child is probably an instant rush of emotions. That is likely to be followed by a dawning realization of how much needs to be done—and spent—before the baby comes home. According to analysis by LendingTree, an online lending marketplace, it currently can cost nearly $300,000 to raise a child from infant to age 18.
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When you hear the phrase "financial independence," do you picture someone sipping cocktails on a beach after retiring at 50? While that sounds nice, real financial independence isn't one-size-fits-all. It could simply mean sleeping better at night knowing your bills are paid, your debt is manageable, or you've got a plan for what comes next.
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Credit unions may not immediately come to mind when thinking about history. But the truth is, credit unions have played an important role in shaping financial identity through the ages. Credit unions have always helped others in tough times, whether through support during wars or other modern-day relief efforts.
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October is National Cybersecurity Awareness Month. This time of the year is a perfect opportunity to review your own cybersecurity. Are all your passwords unique and stored away securely? Are you using two factor authentication wherever possible?
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Did you miss your Annual Notice of Change (ANOC) from your insurance company? If so, you're not alone. In fact, new research shows that only 48% of Medicare beneficiaries read every piece of mail sent by their insurance company. Of those that do read their Annual Notice of Change from their insurance company, only 36% of Medicare beneficiaries say they find the information in their plan's letter easy to understand.
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Marriage marks the beginning of an exciting chapter, but it also comes with new responsibilities – chief among them, managing money as a team. From differing spending habits to tackling debt, money matters can quickly become a source of tension if not addressed promptly. With open communication and a proactive approach, couples can navigate these financial hurdles and build a strong foundation for their future together.
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If a loved one has recently passed in your life, all of us here at American Heritage offer you and your family our sincerest condolences. Loss is never easy, and we are here to support you all as you go through this difficult time.
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The cost of college continues to increase, but so does the availability of tools and strategies to help families plan ahead. Whether your child is starting kindergarten or preparing for college tours, now is the perfect time to revisit your savings strategy.
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Buying a home is undoubtedly one of the largest, if not the largest, purchases you will make in your lifetime. With such weight on finding and buying a home, it’s typical to be nervous about homebuying or to not even know where to start. Thankfully, there are lots of resources and programs out there designed to help you for this specific purpose.
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