• Corinth

    312 Palmer Avenue
    Corinth, NY 12822

    518-654-9028
  • Cohoes

    35 Niver Street
    Cohoes, NY 12047

    518-654-9028
  • Hudson Falls

    3762 Burgoyne Ave
    Hudson Falls, NY 12839

    518-654-9028
  • Glens Falls

    160 Broad St
    Glens Falls, NY 12801

    518-654-9028
  • Troy

    40 Leversee Road
    Troy, NY 12182

    518-654-9028
  • Shared Branching

    HRCCU is part of the UsNet Shared Branch Network This provides you, our member, greater convenience and real-time access to your accounts when traveling around the corner or across the country.

    Hudson River Community Credit Union

HRCCU Blog

Adam Rossi

Recent Posts

5 Food Hacks to Save Money

Posted by Adam Rossi on Oct 7, 2019 11:00:00 AM

 

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Topics: Savings Account

3 Advantages to Youth Savings

Posted by Adam Rossi on Sep 30, 2019 11:00:00 AM

If you have young kids, then you’ve probably experienced some feelings of anxiety over both the future of their finances and the future of their financial knowledge at least once or twice. Youth education is not usually especially focused on teaching kids about how financial systems work or teaching about handling and managing money in the future. This responsibility falls upon the parents, not schoolteachers, and with life seemingly becoming busier and busier, it’s always a benefit to have some tools that will help you better educate your child about money. That’s where a youth savings account comes in; after all, what better way to learn than through experience? 

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Topics: Savings Account, youth savings

Should You Lend Money to Friends and Family?

Posted by Adam Rossi on Sep 23, 2019 11:00:00 AM

 

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Topics: Family

5 Podcasts for Your Finances

Posted by Adam Rossi on Sep 16, 2019 1:00:00 PM

If you’re trying to develop a better understanding of how to manage your finances, finding good resources that can help you get where you want to be can be difficult. One resource that can be extremely helpful (and doesn’t monopolize your time) is immersing yourself into the world of financial podcasts! Podcasts are an especially helpful tool because they tend to be short, but not too short. For example, you can throw a podcast on during your morning commute and get through it by the time you get to work, or you can listen to a bunch of them if you’re taking a longer trip - many of them have an extensive back catalog. 

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4 Ways to Spot Job Scams

Posted by Adam Rossi on Sep 9, 2019 11:00:00 AM

Looking for a job can be a stressful process and the unfortunate reality is that there are nearly always scammers out there looking to take advantage of people who are in vulnerable states. Individuals in the midst of a long job hunt that has yet to provide solid results can be very susceptible to these kinds of scams, because of the financial stresses that can begin to arise while unemployed. Because of this, the number of job scams, typically online, have become numerous. That’s why it’s especially important to have the proper information: the more informed you are on the common practices that job scammers use, the more likely you are to spot red flags. Here are 4 ways to spot job employment scams. 

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Topics: employment fraud

The Truth About Free Trial Offers

Posted by Adam Rossi on Aug 26, 2019 11:00:00 AM

When you’re waffling on signing up for a subscription-based service, that almost ever-present 7-day or 14-day free trial can seem like a huge draw. You think: "why not give the service a shot for a week or two, especially if it’s at no cost?" While this logic is, on its face, sensible enough, the reality is that there are some considerations that you should take before giving out personal financial information to any subscription service. What kind of considerations? Let’s take a look at a few. 

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5 Back to School Savings Tips for Parents

Posted by Adam Rossi on Aug 19, 2019 11:00:00 AM


Back to school time is just around the corner and while that does mean that the kids will have somewhere to go during the day (no more trying to figure out what to do with them every Tuesday), it also means that sooner than later you’re going to need to buy school supplies for the school year and that can get expensive. Luckily there are a number of ways to save on back to school shopping, and if you’re looking for savings, you’re in the right place! Here are 5 handy tips for getting all the school supplies your kids need without punishing your wallet (too much). 

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15-Year Mortgage vs. 30-Year Mortgage: Which Makes Sense For You?

Posted by Adam Rossi on Aug 12, 2019 11:00:00 AM

Buying a home, especially if you are a first-time homebuyer, can be a very confusing and stressful process. Unless you went to college for finance or work in a financial institution, it’s not really something that you would have ever learned and chances are you weren’t looking into getting a mortgage in your teenage years or early twenties. Now that you are looking, acquiring the proper knowledge can require a lot of time spent researching to figure out how to get a home mortgage and then figuring out the type of mortgage that makes the most sense for you. That’s what we’re here to help you with. Let’s look at the pros and cons of a 15-year mortgage and a 30-year mortgage, and figure out which of the two makes the most sense for you!

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Topics: Mortgage, Home Equity

4 Steps to Summer Savings

Posted by Adam Rossi on Jun 24, 2019 11:00:00 AM

Warm beaches, local festivals and summer trips! There’s no question that the summertime opens up all kinds of options that are unique to the season. While the opportunity to spend more time outdoors definitely has its perks, it does come with one caveat - that itch to go out and do more can also have a hefty price-tag. Luckily that doesn’t have to be the case as there are tons of things to do in the summer months that can scratch that adventurous itch. Here are four steps to saving this summer.

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Topics: Saving Money

What is PMI and How You Can Avoid It

Posted by Adam Rossi on Jun 10, 2019 11:00:00 AM

PMI: it sounds like another one of those three letter acronyms that you might have heard in passing that you never really gave much thought. But if you’re mortgage shopping, it’s extremely important that you understand exactly what PMI is and why you should give serious consideration to avoiding it. You don’t want to commit to a mortgage loan without having comprehensive knowledge of all of the possible costs and fees associated with it, and understanding PMI is a big part of seeing the whole picture. Let’s talk about PMI and what you can do to avoid it.

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Topics: Mortgage