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Archive for October, 2013

Halloween Safety Tips

Wednesday, October 30th, 2013

We hope you all have a Happy and SAFE Halloween and we wanted to share some safety tips from our friends at the National Center for Missing and Exploited Children.

  1. Instruct your older children to take friends when Trick or Treating.
  2. Make sure a trusted adult, an older child, or you accompany your younger children when Trick or Treating. A trusted adult is a person parents/guardians have come to rely on and with whom they and their children feel comfortable.
  3. Accompany, or make sure a trusted adult accompanies, your younger children to the door of every home they approach. Become familiar with each home your child visits and the people who are providing Halloween treats to your children.
  4. Teach your children to only enter homes with your prior permission and only approach homes that are well-lit both inside and outside.
  5. Teach your children to NEVER approach a vehicle unless they are accompanied by you, even if it appears that no one is inside the vehicle.
  6. Make sure your children wear reflective clothing and carry a flashlight or glow stick when traveling during the evening hours.
  7. Make sure your children are able to see and breathe properly and easily when using facial masks. All costumes and masks should be clearly marked as flame resistant.
  8. Teach your children to always stay in well-lit areas, never take shortcuts, and never go into isolated areas.
  9. Teach your children to stay alert for any suspicious incidents and report anything unusual to you and/or law enforcement.
  10. Teach your children if anyone tries to grab them to draw attention to themselves and loudly yell “This person is trying to take me,” or “This person is not my father/mother.” Instruct your children to make every effort to escape by walking, running, or pulling away; yelling; kicking; attracting attention; and/or otherwise resisting.
  11. Consider organizing or attending parties at home, in schools, or in community centers as a good alternative to Trick or Treating.

Credit Card Tip #1: Get the most out of your credit card purchases

Tuesday, October 29th, 2013

Almost every credit card offers some sort of perk: airline miles, rewards points, cash back, etc. So think about what perks you can use before you settle on a card. If you don’t like to travel, then a card that offers miles isn’t for you. Also think about how you use your card, and which cards let you earn extra points. If you’re a foodie who loves to dine out, then a double or triple restaurant points card is perfect. Just don’t forget to redeem those points!

What’s a HELOC? How Would I Use One?

Monday, October 28th, 2013

We get lots of questions about Home Loans and our resident expert, Mary Beth Geglia will be sharing the answers to some of the most common ones with us on the blog.

What is a Home Equity Line of Credit (HELOC) and what are good uses for it?

A Home Equity Line of Credit is a line of credit against your home. It differs from a Fixed Home Equity loan in that every time you make a payment on the HELOC, the money can be reused. Some examples of when this might be the right kind of loan for your are:

  • A child going away to college when you’ll need to send a different payment amount multiple times per year.
  • When you have multiple purposes for the money and you don’t need all the money at once. For example, putting in a pool one year, a deck the following year, and a vacation the third year.

You can make the payments on one project at reuse the money again when other projects come up. You’re also only making payments on the money you’ve drawn against it, not the entire amount.

Credit Card Tip #3: Check both perks and penalties

Sunday, October 27th, 2013

If you travel, make sure the card is accepted worldwide and can give you cash advances if you need them. And check the policy on international purchases—some charge extra fees. Sometimes your agreed-upon APR (variable or fixed) is only as good as your timely payments. If you’re late, that agreement may be void—percentages can get tacked on, and fees added. See how long you have to make a payment. How is the minimum payment due calculated? Some are flat fees and some are percentage-based. What’s the grace period? Do they offer purchase/fraud protection? If you have an issue, can you make a local phone call to easily get it resolved? Don’t take anything for granted.

Win First-Row Seats!

Monday, October 21st, 2013

comets_header

We love to give back to our community, and we know that life is about having fun too, so this season we’re supporting Central New York and our new hometown hockey team, the Utica Comets®, by putting you first—in the first row, that is. We’re giving you a chance to win first-row tickets to a Comets home game, to see the action up close. The great part is, someone new wins every home game, and you can easily enter online.

We wanted to make it easy, so you can play during every home game, no matter where you are. Remember, you can enter once each game, only while the game is in session, and only at SwitchToFirst.org. And you don’t even have to be a Member of First Source to win (but who wouldn’t want to be?)

Check out this page during any home game, and you’ll see a special form to enter—you can find all the rules there, too. After each home game, we’ll award one lucky winner 2 tickets for first-row seats at the Comets’ next home game.

Good luck, and join us in some community spirit by cheering on our local team!

 

Rome branch in pink for National Mammography day.

Friday, October 18th, 2013

photoFirst Source employees are thinking pink today and into the weekend!

We are encouraging our employees and Members to join our team to support the fundraising efforts that are so crucial to finding a cure and providing support services to those newly diagnosed with breast cancer and to breast cancer survivors.

We invite you to join 38 First Source employees this Sunday at the Masonic Care Community for the Making Strides Against Breast Cancer Walk.

Help us to raise money and awareness for an amazing cause that touches all of us in some way! The walk starts at 10:00. Learn more here.








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