The Setting Every Community Up for Retirement Enhancement (SECURE) Act was enacted in December 2019 as part of a larger federal spending package. This long-awaited legislation expands savings opportunities for workers and includes new requirements and incentives for employers that provide retirement benefits. At the same time, it restricts a popular estate planning strategy for … Continue reading The SECURE Act and Your Retirement Savings
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In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a cash reserve, a pool of readily available funds that can help you … Continue reading Getting Started: Establishing a Financial Safety Net
Don’t let a Halloween scam spook you! Stay a step ahead of those crooks by looking out for these four scams this season. The Shipping Scam The internet is brimming with Halloween-themed stores in the months leading up to Oct. 31. Lots of these retailers offer an impressive selection of costumes, accessories and decorations at … Continue reading 4 Super-Scary Scams to Watch For This Halloween
You're ready to buy an insurance policy, but you feel a bit uneasy embarking into the insurance world. After all, the language can be technical, and you're wary of insurance agents throwing sales pitches at you. Whether you're buying an auto policy, a homeowners policy, a life insurance policy, or some other type of policy, … Continue reading Buying Insurance: What Savvy Consumers Should Know
Ever since a legal secretary named Ida May Fuller received the first retirement benefit check in 1940, women have been counting on Social Security to provide much-needed retirement income. Social Security provides other important benefits too, including disability and survivor benefits, that can help women of all ages and their family members. 1. How does Social … Continue reading Four Things Women Need to Know about Social Security
Like homes themselves, mortgages come in many sizes and types, and one of the most important decisions you face as you consider your choices is whether to take out a fixed or an adjustable rate mortgage. The type of mortgage that's right for you depends on many factors, such as your tolerance for risk and … Continue reading Fixed vs. Adjustable Rate Mortgages
The start of every new year brings the opportunity to make financial resolutions, ditch bad money habits, and think about ways to improve your financial health. Read on to discover some smart money moves that will help improve your finances in 2019 and beyond. Bump Up Your 401(k) Contribution One way to save more money, … Continue reading Smart Money Moves for the New Year
“Remember that the happiest people are not those getting more, but those giving more.” ~H. Jackson Brown Jr. This time of year it’s also easy to get wrapped up in family commitments, ordering last minute gifts, and baking frenzies all while juggling our regular daily commitments. It’s no wonder the real message of the holidays … Continue reading 3 Ways to Give Back this Holiday
The holidays are a time for giving, but too often lead to financial strain. Do your shopping without breaking the bank! Take advantage of the savings that First Heritage has to offer! Our Visa Platinum credit card offers you a competitive low rate and reward points on your everyday purchases. Earn points for every dollar spent … Continue reading Holiday Shopping
What do home security systems, Wi-Fi enabled thermostats, gaming consoles, and smart TV's (not to mention cell phones and tablets) all have in common? Answer - an internet connection. As the popularity of these devices increases, so does our dependency on the internet. With a stronger connection to the internet comes, you guessed it, greater … Continue reading Creating a Cyber Secure Home
