Choosing the right vehicle finance method — or deciding whether to finance at all — can be just as complex as choosing the vehicle you want to buy. Today, drivers have a variety of payment options, including leasing, traditional auto loans, and GREENLight auto loans, a less-known but potentially practical option. GREENLight auto loans are… Read more »
HRCCU Blog on Finance, Banking, Saving & More – Page 3
Advantages of Working from Home: How Much Money Do You Save?
As the events of the COVID-19 pandemic unfolded throughout 2020, businesses around the globe had to learn how to shift from working in office spaces to working remotely from employees’ homes. The worst of the pandemic is behind us, but many people fell in love with the comfort and convenience that comes from working at… Read more »
How to Change Bad Spending Habits
It can take a bit of time to develop better spending habits, but the benefits are ongoing and extensive. Unfortunately, financial issues caused by bad spending habits are common among most Americans, with the Census Bureau reporting that more than 91 million people said they were having trouble paying their standard household expenses in July… Read more »
DIY: Build Your Own Car Emergency Kit
Fail to plan. Plan to fail. This simple axiom applies to every aspect of life, including vehicle safety. Part of being a safe driver is preparing for any situation you could encounter on the road. This includes equipping your vehicle with the type of essential equipment you may need in a crisis by packing a… Read more »
Top 15 Pros and Cons of Online Shopping
Shopping online has quite a few benefits. Purchasing plane tickets, groceries, household necessities, and office supplies has never been more convenient than it is right now. Online stores are often very competitive with prices and products, providing shoppers with a wealth of options that brick-and-mortar stores may not have. However, it can feel overwhelming to… Read more »
Avoid Damage to Your Home from Melting Snow
Springtime is finally here, and after a brutal winter, it’s a major relief and cause for celebration. However, as a homeowner, considering snowmelt protection is a critical step in preparing for the spring season. In real terms, this means making sure that you are prepared for the transition from the cold and snow-packed winter months… Read more »
Why It’s Important to Maintain Your Chimney and Outdoor Vents
A fireplace in your home offers more than just warmth. For many people, the fireplace is a communal gathering space where families create fond memories representing comfort and togetherness. However, owning a home with a fireplace also comes with the responsibility to keep the fireplace and chimney in good working order for safety. Consider this:… Read more »
8 of the Best Short-Term Investment Options in 2023
For many of us, our goal is to live comfortably — especially during the golden years of retirement. However, to do that, wise financial investments are essential. As we learned from past experiences, like those in 2008 and 2020, our nation’s economy and individual financial stability could be compromised by forces beyond our control, leaving… Read more »
Hudson River Community Credit Union Donates $10,000 to support the Glens Falls Area Youth Center
Hudson River Community Credit Union (HRCCU) announced today that it has made a donation of $10,000 to support the Glens Falls Area Youth Center (GFAYC) in its continued effort to provide a wide-variety of educational, recreational and life-skills programs for at-risk youth living in Warren, Washington and Saratoga Counties. “HRCCU is proud to continue to… Read more »
Mortgage Pre-Approved vs. Pre-Qualified Mortgages: What’s Better?
When you’re in the market to buy a home, a lot of factors must be taken into consideration. Among them, financing may be the most important. How a new home is paid for matters for buyers and sellers. It’s important to know the difference between the pre-qualification and pre-approval steps for home mortgages. The Main… Read more »