Want to give your boss a special holiday gift to show how much you appreciate him or her? You might want to think again before you wrap that special present: etiquette experts say that gift giving in the workplace should flow down the office power structure, not up. You’d also be going against the tidings tide: survey results show that only 25% of workers buy gifts for their boss.
Whatever you call it, whether Holiday Gift Exchange, Yankee Swap, Secret Santa or the like, it’s almost inevitable someone at work will suggest an event to share holiday cheer. If the budget is tight this year, or if you are out of gift ideas, we have ideas for you.
From Halloween through New Year’s is the time of year when consumers spend the most money, according to the Bureau of Economic Analysis. Costumes, food and drink for Thanksgiving, holiday gifts, maybe a new outfit for a special party are all expenses that pop up as the year comes to a close.
My grandmother, known to all as Nana, always sent a little something to her grandchildren for birthdays and holidays. Once she tucked a few dollars inside a Halloween card when I was at college, telling me to spend it however I wanted. “Even on pizza,” she wrote.
Knowing how to get your credit reports and credit scores can be very confusing. There are many different options out there. First and foremost, there are a few key things to remember:
Much of the discussion of credit bureaus focuses on the three most commonly used agencies: Equifax, Experian and TransUnion. However, there is another bureau you may need to know about. The company Innovis is actually one of many organizations that gathers, stores and publishes credit file information. While your Innovis report will contain much of the same account information as your other three, the report published by Innovis is used primarily for compiling and selling mailing lists to other businesses. For example, if a company wants to identify people in a certain zip code that they want to make a credit card offer to, that company may ask Innovis to compile a list that meets that profile.
One facet of credit reporting rules that probably causes more hand-wringing than any other is the removal of paid negative listings. Or rather, the lack of removal. If you’re like most people, you feel it’s logical that once you have paid off an item like a delinquent credit card, collection account, or judgment that it would be taken off your report. However, that generally hasn’t been the way credit reporting laws have operated. Paid-off negative items can stay in your credit file for the full amount of time allowed by law even after you have paid them.
Topics: Credit Matters
We appreciate the many kind words that members share about working with Hanscom FCU, and we especially like to shine a spotlight on work well done by our employees. In today's blog, we tip our hats to Hanscom FCU loan officer Sandra Scarela. Warms words for her work came from a member named Patti.
When Patti decided to install a new heating system in her home, she was concerned about timing. Cooler temperatures were moving in, and she had tenants to consider. She turned to her credit union for financing and found something much more. Here is an excerpt from Patti’s letter about her Hanscom FCU loan officer Sandra Scarela:
Topics: Hanscom FCU Community
A 2014 survey from Rocket Lawyer reports that 64% of adult Americans don’t have a will. A will gives instructions on how you want your assets and affairs handled after your death. It’s a basic tool for estate planning. Even if you have a trust, you should still have a will for any assets the trust does not cover.
Thanksgiving is a unique holiday: a time for gathering around the dinner table, enjoying a grand meal, and giving thanks for family, friends, and our collective freedoms and blessings. Its origins date back to the 1621 Pilgrim feast in Plymouth, Massachusetts, where the early Pilgrims were prompted by a plentiful harvest to celebrate together with a feast.