November 2022

Advice on a Lease Buyout with Rising Rates

2022-11-17T12:58:34-04:00November 17th, 2022|Categories: Auto Loan Cat, Buying a Car, Education, Uncategorized|Tags: , , , , |

The Fed raised interest rates again at the beginning of November, which means loan rates will increase along with it. While you might be earning more on your savings account, you'll also pay more when you borrow money. So, if you're planning to buy a car or do a lease buyout in the next 90 [...]

Meet Our 2022 College Scholarship Winner

2022-11-08T13:40:11-04:00November 8th, 2022|Categories: Uncategorized|Tags: , , , , |

Erin DiPaola graduated from West Genesee High School and is headed to Rochester Institute of Technology! Below are some of her amazing accomplishments throughout her time in high school. High Honor Roll (9-12) National Honor Society (10-12) Basketball Leadership Award Basketball Wildcat Award Captain JV Basketball (9) Captain Varsity Basketball (12) CTE Endorsement [...]

Typosquatting: The Newest Scam

2022-11-01T12:34:00-04:00November 3rd, 2022|Categories: Education, Fraud Prevention, Uncategorized|Tags: , , , , , , |

What is Typosquatting? The newest cybercrime to watch out for is typosquatting. It's also called URL hijacking. It's when hackers buy domain names that are just slightly misspelled from their real counterparts. Fraudsters build a completely fake website under the domain name they bought, tricking unsuspecting visitors into giving up sensitive information. Visitors end up [...]

October 2022

5 Alternatives to Overbuying Christmas Gifts

2022-10-19T11:56:56-04:00October 27th, 2022|Categories: Uncategorized|

Even though the smell of crisp leaves and pumpkin spice hangs in the air, Christmas is coming quickly. It’s the season for friends and family, good tidings, and busted budgets. If you usually buy gifts for everyone in your family, numerous friends, teacher gifts, work gift exchanges, or more, you’re likely spending hundreds, if [...]

Protect Yourself from SIM Swapping Scams

2022-09-27T12:29:20-04:00October 20th, 2022|Categories: Uncategorized|Tags: , , , , , |

In today’s technology-driven society, people rely more and more on mobile devices to perform daily tasks. While mobile devices make your life more convenient, they also open you up to the possibility of fraud. SIM swapping is one of the newest scams. This latest type of fraud affects access to your mobile phone and can [...]

How to Budget as a Family

2022-09-27T10:44:31-04:00October 13th, 2022|Categories: Budget|Tags: , , , , , |

Financial education begins at home. Learning how to budget can be a family thing. What's one way that you can teach your kids the importance of setting financial goals, saving money, and watching what they spend? Involve them in the process of creating your family's budget. Budgeting as a family can help you and your [...]

Tricks for Doing Halloween on a Budget

2022-09-27T15:46:52-04:00October 6th, 2022|Categories: Budget, Saving Money, Shopping, Uncategorized|Tags: , , , , |

Halloween is back and bigger than ever, with 69% of Americans saying they are celebrating the end-of-October holiday. That's up from 65% in 2021, according to the National Retail Federation’s annual survey conducted by Prosper Insights & Analytics. The report also showed total spending on the holiday is expected to reach a record $10.6 billion [...]

September 2022

What do Federal Rate Increases Mean to You?

2022-09-19T11:12:10-04:00September 22nd, 2022|Categories: Education|Tags: , , , |

Rising interest rates can mean different things for borrowers and savers. Right now, it's leaning in favor of people who want to save money. So, what's the reason behind the federal rate increases? Also, how will it affect your wallet? What's the purpose of federal rate increases? While the Federal Reserve already raised rates three [...]

5 Things You Should Never Buy Used

2022-09-15T15:48:37-04:00September 15th, 2022|Categories: Budget, Saving Money, Shopping, Uncategorized|Tags: , , , , |

Buying used items can save you plenty of cash, but there are some things you should never buy used. Let’s take a look at the items that should be purchased new. If you can't afford new, we offer some advice on what to look for. Children’s Furniture Kids treat furniture different than adults. They will [...]

2 Things Lenders Look at When You Get a Loan

2022-09-08T11:27:47-04:00September 8th, 2022|Categories: Education, Uncategorized|Tags: , , , , , , , |

We live in a world where loans can help us afford things we need without paying for them up front. People get mortgages to purchase their first home, car loans, personal loans, and credit cards. But what do lenders actually look at when you get a loan? What determines if you're approved or denied? [...]

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