The More You Know, The Better You'll Manage Your Money Build Your Personal Bank of Knowledge

As the sun shines brighter and our days grow longer, there's no better time to lose yourself in captivating narratives while you soak up the summer vibes. Maybe that’s why June is National Audiobook Month.

2024 marked the start of the Silver Tsunami, the period when the largest number of Baby Boomers turn 65. Many of those boomers are looking after parents and grandparents. Scammers have taken note and are increasingly targeted seniors.

If you own your home and plan to take out a substantial loan, a home equity line of credit can be a great option. These loans are flexible and have lower interest rates than alternatives like credit cards and personal loans.

Think back to your childhood – remember all those wise thoughts your mom shared? Even if we rolled our eyes at the time, it's incredible how much of it still rings true, especially when it comes to managing our money.

In the journey of life, there are significant milestones we aspire to achieve – buying a house, retiring comfortably, or funding our children's education. Yet, the path to these milestones isn't a sprint; it's more like running a marathon.

In a world where pricey gym memberships, expensive workout gear and trendy diet plans dominate the fitness scene, getting fit can often feel like a luxury reserved for those with deep pockets. The truth is achieving your fitness goals doesn't have to break the bank.

Debt can often feel like an insurmountable mountain looming over your financial horizon. Armed with the right strategies and mindset, you can confront debt head-on and reclaim control of your financial future.

For many people, tax season means a refund from the federal government. Before you prepare to splurge, consider some savvy strategies for getting the most from your windfall.

Finding love online can come with a price. Romance scams are on the rise as cryptocurrency becomes a prevalent way to invest. Nearly 70,000 people reported a romance scam, and reported losses hit an astonishing $1.3 billion.

From paying for parking to scanning the menu at a restaurant, QR codes have become an integral part of our daily lives. Unfortunately, scammers are now exploiting the convenience of QR codes to perpetrate scams.

Do you have a child in college? Parents of college students have high hopes that their child’s education will set them up for a satisfying career and financial security. It’s also a time for your child to learn how to manage a bank account, budget and develop solid money management skills.

Housing inventory is painfully low in our region and home prices continue to climb in many neighborhoods. It’s a challenging market for first-time buyers and would-be buyers with financial constraints. Cosigning a mortgage is one option loved ones with the means and credit are increasingly considering.

While using a debit card online can be convenient, it also comes with certain risks that may have you rethinking your online payment options. The reason? Debit cards are linked directly to your bank account, which means that if someone gains access to your card information, they can potentially drain its entire balance. 

Vacations are a time to relax, explore new places and create beautiful memories. However, amidst the excitement, it's crucial not to overlook the potential risks of financial fraud.

Whether your soon-to-be college freshman will be starting college thousands of miles away, a couple of hours away or living at home, this is a time for learning of life management skills as well as traditional academic topics.

Heritage Personal loans can be a great way to get the funds you need for a big purchase or unexpected expense. However, before you borrow money, weigh the pros and cons.

It’s graduation season, a milestone for young adults whether they are completing high school, trade school or a college degree. It’s also a good time to evaluate where to bank as you begin a new chapter in life.

Owning a dog can bring a lot of joy and love into your life, but it is important to be prepared for the financial responsibility that comes with owning a pet. Budget before adopting your new best friend so you can provide your dog with the care and attention deserved.

Have you been “smished”? You might be familiar with the term “phishing”. That is when scammers try to get your personal information by sending fraudulent links to you by email. Smishing is a term referring to phishing attempts that happen on your phone via text messages.

Whether you’re buying groceries or gas, shopping online or at a local business, paying the babysitter or the utility bills, there are many options for paying your bills.

Has someone asked you to purchase gift cards as payment for goods and services? Has someone you met through a dating app or other online romance site requested you send gift cards to cover an emergency? 

At Heritage Bank, we provide business owners, individuals, and families with the competitive financial products they need to pursue their ambitions and save for the future. When people choose to bank with us, one question they often ask is if they can contribute to both an IRA and 401k plan. 

Brace yourself for a painful statistic: Nearly half of Americans have had their sensitive personal information breached just in the past five years. The digital world can be a dangerous place. Here’s how to navigate cyberspace more safely and securely.

Dealing with medical insurance or Medicare can be complex and confusing. Scammers use that fact to take advantage of people, especially seniors. But with a little bit of knowledge, you can protect yourself and your loved ones.

Your home’s wireless internet network — and any devices that use it — may be vulnerable to hackers. Learn how to protect yourself from home network invasion.

Social media is a hotbed for scammers and criminals. But with a little extra knowledge and effort, you can keep yourself and your family safe.

Social media can help us stay in touch with loved ones, make new friends, have fun and even shop. But it’s also a tool for scammers. Learn about social media safety.

Credit cards can be valuable financial tools. They can also be a gateway to debt. Learn how to manage your credit cards like a pro.

These simple steps can keep you and your family safe from hackers and scammers trying to break down your digital door.

Here are 4 common scams to watch out for this tax season, plus scam prevention tips for protecting yourself and your loved ones.

5 tips for recognizing scams and phishing attempts and protecting yourself from would-be thieves.

Learn how to get started building your budget and personal money management skills.

Learn about how short-term loans work, the dangers of payday lending and vehicle loans, and safer loan alternatives.

We all want to make the world a better place, and donating to a trusted charity is one way we can do so. However, scammers are looking to divert those charitable donations to line their own pockets.