October is National Cyber Security Awareness Month. Cybersecurity has become an indispensable concern for businesses of all sizes in every industry. While large corporations often have dedicated ...
Commercial fraud poses a significant threat to every for profit and nonprofit customer. Deceptive practices, falsified transactions and cybercrime can lead to substantial financial losses, damage to ...
Technology has made communication and transactions more accessible than ever. The risk of falling victim to scams has also increased significantly. For businesses, especially small ones, scams can ...
In your personal financial life, few decisions are as significant and debated as the choice between renting and owning a home. Both options have their pros and cons, and understanding the financial ...
As a small business owner, you're no stranger to surprises. Whether it's a sudden spike in the cost of supplies, a key employee leaving unexpectedly, or even a surge in demand, the entrepreneurial ...
As the sun shines brighter and our days grow longer, there's no better time to lose yourself in captivating narratives while you soak up the summer vibes. Maybe that’s why June is National Audiobook ...
2024 marks the start of the Silver Tsunami, the period when the largest number of Baby Boomers turn 65. And in an era when more people are living longer, many of those boomers are looking after ...
If you own your home and plan to take out a substantial loan, a home equity line of credit can be a great option. These loans are flexible and have lower interest rates than alternatives like credit ...
Think back to your childhood – remember all those wise thoughts your mom shared? Even if we rolled our eyes at the time, it's incredible how much of it still rings true, especially when it comes to ...
In the journey of life, there are significant milestones we aspire to achieve – buying a house, retiring comfortably, or funding our children's education. Yet, the path to these milestones isn't a ...
Most businesses rely heavily on email communication, so the threat of business email compromise (BEC) is very real to small business leaders. BEC attacks involve fraudulent emails targeting ...
In a world where pricey gym memberships, expensive workout gear and trendy diet plans dominate the fitness scene, getting fit can often feel like a luxury reserved for those with deep pockets. The ...
Debt can often feel like an insurmountable mountain looming over your financial horizon. Armed with the right strategies and mindset, you can confront debt head-on and reclaim control of your ...
For many people, tax season means a refund from the federal government. In Kentucky, 81 percent of taxpayers will receive a federal tax return. In Ohio, 79 percent of taxpayers are looking forward to ...
You have probably seen the news reports and alerts on social media about check washing scammers stealing personal mail in search of checks sent to businesses, utilities and nonprofits.
Finding love online can come with a price. Romance scams are on the rise as cryptocurrency becomes a prevalent way to invest. Nearly 70,000 people reported a romance scam, and reported losses hit an ...
In the dynamic and ever-evolving landscape of entrepreneurship, small business owners face a multitude of challenges daily. From limited resources to fierce competition, navigating the path to ...
Are you ready to hang out your own shingle? Is your side gig gaining momentum? Before your time is eaten up with other business items, make sure you get your business banking in order.
Do you have a child in college? Parents of college students have high hopes that their child’s education will set them up for a satisfying career and financial security. It’s also a time for your ...
Housing inventory is painfully low in our region and home prices continue to climb in many neighborhoods. It’s a challenging market for first-time buyers and would-be buyers with financial ...
Are you a small business owner looking for affordable financing options? You may have heard about Small Business Administration loans, but did you know that there are SBA-preferred lenders?
Heritage Personal loans can be a great way to get the funds you need for a big purchase or unexpected expense. However, before you borrow money, weigh the pros and cons.
It’s graduation season, a milestone for young adults whether they are completing high school, trade school or a college degree. It’s also a good time to evaluate where to bank as you begin a new ...
Owning a dog can bring a lot of joy and love into your life, but it is important to be prepared for the financial responsibility that comes with owning a pet. Budget before adopting your new best ...
Heritage Bank has remained committed to better business banking solutions for our hometown for over three decades. We do not have a crystal ball to predict how this unique economy will develop in ...
At Heritage Bank, we provide business owners, individuals, and families with the competitive financial products they need to pursue their ambitions and save for the future. When people choose to bank ...
Your home’s wireless internet network — and any devices that use it — may be vulnerable to hackers. Learn how to protect yourself from home network invasion.
Social media can help us stay in touch with loved ones, make new friends, have fun and even shop. But it’s also a tool for scammers. Learn about social media safety.
For many couples, walking down the aisle means new adventures are just on the horizon, many of which will involve shared expenses. This may include paying rent or a mortgage, weekly groceries, ...
New technologies provide us with a wealth of information, more conveniences and faster services-right at our fingertips. They also present opportunities for hackers to access our personal information.
At Heritage Bank, we believe banking should be available whenever and wherever you need it. Customers rely on our fast, secure mobile banking options to stay connected to their finances on their ...
Whether you own a small business, run a side contracting gig or run a thriving mid-sized business, a business credit card can make your life simpler and be a critical business management tool.
Home security and other safety products continue to evolve in response to threats from criminals, nature and other forces. Yet, one of the most secure options remains Safe Deposit Boxes at your local ...
Have you ever wondered why you’re still banking where you opened a checking account when you got your first paycheck from your first job? Do you recommend your bank to friends and family? Do you ...
COVID 19 provided an unprecedented opening for scammers and fraudsters to create new ways to defraud consumers. In 2021, federal agencies received 657,000 reports of fraud related to COVID-19 costing ...
Running a small business takes hard work and dedication. It also requires you to have capital up front to cover planned expenses, from leasing a space and hiring employees to obtaining insurance. ...
Successful small business owners are generally adaptable by nature, so why shouldn’t they have flexible access to credit? If your business is growing or your cash flow is uneven, a line of credit ...
At Heritage Bank, we specialize in banking for small to mid-size businesses. We know the loan and credit products your business needs, but we also know how to help you work smarter, get paid faster ...
1. Analyze The Numbers Pull the numbers together into a balance sheet and income statement. Your accounting software, CPA or accounting department should be able to build these documents for you. You ...
