HRCCU Blog on Finance, Banking, Saving & More – Page 15

2020 HRCCU Scholarship Application

HRCCU’s annual scholarship program is open to graduating seniors who are planning to attend an accredited college or university in the fall of 2020. Eligible applicants must be a credit union member in good standing. We will be awarding three-$1,000 scholarships — all scholarship funds must be used for tuition at an accredited educational institution.

How Banking Changed in the 2010s

This decade has been ten years of significant technological change, continuing the trend that started in the 1960s, accelerated rapidly during the 1980s, and into the 2000s. One huge piece of that change, which has been dubbed by some as the “Information Revolution”, has been the integration of communications devices into day to day life… Read more »

Long-Term Budgeting: Planning Past the Present

Successful budgeting can be difficult, even when you’re only thinking about things on a month-to-month basis. Things can get overwhelming when you start thinking about budgeting in the long-term for bigger expenses like buying a home, paying for college, or saving for retirement. But it doesn’t have to be! In fact, long-term budgeting isn’t fundamentally… Read more »

Cryptocurrency Explained: What It Is & Why It Matters

Cryptocurrency had a groundswell of popularity as a part of the cultural conversation about our rapidly shifting digital era a few years ago and continues to be a topic of conversation today. Perceptions of cryptocurrency vary. The rise of the so-called “self-made billionaires” who were early investors in cryptocurrency like Bitcoin had some proclaiming that… Read more »

5 Good Spending Habits to Bring Into 2020

There are many ways you can incorporate proper spending habits into your lifestyle. Increasing your salary and putting away money into savings are important, but they aren’t the only ways to reach your financial goals. Learning when and how you should spend your money will influence your ability to reach your financial goals. With a… Read more »

Lake Luzerne Memory Tree Decorating

A few weeks ago, HRCCU Ambassadors assisted in the decoration of The Lake Luzerne Memory Christmas Tree. This tree represents the passing of beloved Lake Luzerne residents. Each star is handmade by one of our ambassadors Pam and painted white with a red bow and a persons name. Each year we add more and more… Read more »

HRCCU @ The Chapman Museum’s Wine & Chocolate Tasting

“The Chapman Historical Museum is a restored house museum featuring furnishings and historical artifacts depicting life in Glens Falls, New York, United States during the late 19th century. The museum is owned and operated by the Glens Falls/Queensbury Historical Association. The home that houses the museum was originally built by Zopher DeLong and restored in 1968.”

Home Equity vs. Refinancing: Which is Right for Me?

Home ownership has a lot of perks. You can make renovations and stylistic changes at your leisure, drastically change the layout, and even re-do the backyard completely. You do not have to rely on a landlord to make house repairs, and, in the long run, it’s a better investment than renting. (But you’ll need to… Read more »