Online shopping has been on the rise for some time now. And in a year when people have been staying home more, it’s likely that consumers will turn to their computers and phones to do most, if not all, of their holiday shopping. According to […]
These days we practically live our whole life online. School, work, banking, doctor’s appointments, shopping, meal delivery. But that means we place enormous quantities of personal information on the web that hackers and thieves may try to steal. At Heritage Bank, we work hard to […]
“Mom, I want that!” “Dad, can I get this?” “Why can’t I just get a new one?” Ever heard your kid say something similar? Children typically learn from observation and imitation more than any other method. As you do your best to make sound financial […]
For most of us, the new year brings a fresh batch of “New Year’s resolutions.” We set lofty goals, stick with them for a while and then slide back into old, comfortable habits. Instead of setting yourself up to fail, consider simplifying things instead. As […]
We get it—it’s frustrating not being able to go to the branch on Saturday. People work during the week and may not have time to get there before the branch closes. But don’t worry! We have plenty of alternatives so you can still get your […]
Our digital lives are becoming more sophisticated, and technology is changing rapidly. So it’s important to keep up with trends and arm yourself with knowledge about identify theft, scams and Internet traps that could compromise your personal or financial information. Phishing Scams Identity thieves like […]
Switching banks can seem like a daunting task. Where do you start? Who do you contact first? Will your current bank make it difficult to leave? We’ve put together some tips and tricks below to help you get started—and show you it’s not as scary […]
Budgeting can either make or break your financial stability. Financial mistakes occur from time-to-time so it’s important to know how to reduce your chances of making them, and having a solid budget will help you maintain your financial freedom. Here are five tips on creating—and […]
We recently discovered that some of our customers received phone calls from scammers pretending to be bank representatives and asking for sensitive information like mother’s maiden name, Social Security numbers, entire card numbers and personal identification numbers. There are a number of phishing techniques that […]
Before you can make the transition from renting to owning a home, you may need to have a down payment. Down payments typically range from five to 20 percent of the home’s value but this can vary depending on the house you want to buy, […]
Whether you’re looking to buy a new home, purchase a car or make any other big purchase, it’s always smart to ensure you have a good credit history. Tip #1: Request a copy of your credit report and make sure it’s correct. Your credit report […]
Back in the day, I think there was this perception of financial advisors as a person sitting across the table telling their clients what to do and how to invest their money. People also view financial planning as time consuming and expensive, when in reality, […]
Saving money is a hurdle many people face. Some people feel they don’t have a large enough income to put anything in savings, while others make impulsive spending decisions with money they could be saving. The reality is that you should be saving money for […]