Do people still carry cash? The answer is a resounding YES. While most transactions can be handled with your digital wallet, credit card, or debit card, cash is still useful, especially in an emergency, when digital or card payment options might not be available. As with most things in life, it’s smart to be prepared. Let’s look at how much cash you should have on hand and how to keep it safe.
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Small businesses are the backbone of the economy and a vital part of our cultural identity. However, when it comes to holiday shopping, many consumers rely on retail giants, missing out on the opportunity to discover distinctive offerings and invest in their communities. Small Business Saturday is always the last Saturday in November, falling between November 24 and November 30, depending on the year. Small Business Saturday is a chance for Main Street enterprises to capture a little more yuletide magic and market share. Here’s what small business owners need to know.
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If you feel overwhelmed by your finances, you’re not alone. In fact, nearly half of all Americans live paycheck to paycheck, struggling to pay bills or save for the future. By adopting healthy financial habits, you can help reduce financial stress, increase financial security, and enhance peace of mind.
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‘Tis the season to be wary. The holidays are a busy time for shoppers, travelers, and helping hands. Unfortunately, the cold weather months are also when scammers turn up the heat. A 2020 Experian study found that nearly one in four Americans have fallen prey to fraud during the holidays. In this article, we’ll cover seven costly scams that are currently on the rise and offer a few tips for staying safe.
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Kofi Annan, former secretary-general of the United Nations, had the whole world’s well-being in mind when he said, “Literacy is a bridge from misery to hope—it is a bulwark against poverty and a building block of development.” Astronomer Carl Sagan was thinking beyond our own space and time when he said, “Across the millennia, the author is speaking directly to you—proof that humans can work magic.” Unfortunately, not everyone in our communities gets to fully experience that magic. Nationwide, over half of adults read below a sixth-grade level, which has significant implications for health and financial wellness.
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For many people, the colder months are a time for giving: giving thanks, giving gifts, and giving back to help the less fortunate. However, when finances are tight, the desire to support great causes can sometimes be overshadowed by budgetary concerns. Fortunately, you don’t need deep pockets to make a meaningful impact. There are plenty of ways to give back and spread cheer while keeping your budget in check. After all, the true spirit of giving lies not in the cost of gifts but in the kindness of our hearts.
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Join your fellow members of American Heritage Credit Union on Thursday, October 19, 2023, as we celebrate International Credit Union Day and a major milestone.
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When compared to other financial institutions, credit unions are the masters of keeping members’ funds secure and stable. This is due in no small part to the National Credit Union Administration, which regulates credit unions and provides insurance for member deposits. But what exactly does that mean, and how does it compare to the safeguards in place for banks? We’ve got answers for everything you need to know about the NCUA and NCUA insurance so that you can better understand how credit unions keep your finances secure.
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Whether you find out you’re expecting or you get a call from your adoption agency, your first response 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. Raising a child from a newborn to an adult can cost over $300,000, not including college, according to a Brookings Institution analysis of data from the U.S. Department of Agriculture.
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You’ve probably heard about people making money and winning big in the stock market. Some are traders and some are investors. That might sound like the same thing, but there are differences between the two. In this article, we’ll examine each and show you how to trade and invest wisely.
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