December 2018ihecu.com - 937.390.1800



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Proxy Voting & Annual Meeting
Proxy voting is now available on our website through the end of the month. Click here to vote.

Our annual meeting will be held on January 26, 2019 at 6:00 pm. It will take place at the main office at 5000 Urbana Road, Springfield.
Habits That Could Impact Your Insurance Rates
What factors influence how much you pay for car insurance?

Many drivers want to obtain the least expensive insurance rates they can while still receiving good coverage. What drivers may not realize is that many of their behaviors, both on and off the road, …
[FULL STORY]

New Semester Prep: How to Save Money on Campus
Keep the bills low while hitting the books

No matter if your parents are paying your tuition, you took out loans or you have at a part-time job, you want to make sure that your funds are working as hard as possible in your favor.
[FULL STORY]

Pros and Cons of Having an Emergency Fund
The upsides and possible downsides of socking away money

Is establishing an emergency fund always the right decision for your situation?
[FULL STORY]


What Qualifies as a Strong Password?
Tips for preventing your passwords from being cracked by hackers

In the age of ever-increasing internet involvement, the threat of someone hacking into your information by breaking through your passwords grows daily.
[FULL STORY]

Adjusting Your Investments for Retirement
How to get your retirement portfolio across the finish line

If you are still in the early stages of putting together your retirement portfolio or bearing down on the golden age, there’s still time to make adjustments that can help put you in the position to …
[FULL STORY]

Know the Differences between Simple and Compound Interest
Don’t let your compound interest loans spiral out of control

It pays to know the differences between simple and compound interest and how these can be advantageous or disadvantageous for you in various situations.
[FULL STORY]


Holiday Closings

Christmas Eve
Monday, December 24th

Christmas Day
Tuesday, December 25th

New Year's Eve- all offices open until 1:00 pm
Monday, December 31st

New Year's Day 2019
Tuesday, January 1st

Holiday Traditions to Start with Your Family
Make new holiday memories with these family traditions

The holidays are a great time to be with family, and part of the fun of the season is yearly family traditions.
[FULL STORY]

Unusual Christmas Movies You Forgot Existed
Shake up your holiday with these overlooked Christmas movies

Despite the merits of classics like “It’s a Wonderful Life” and “Miracle on 34th Street,” you might be craving a little variety in your holiday viewing. If so, you should dig a little bit deeper into Santa’s bag and pull out one of these oft-forgotten holiday and holiday-adjacent films.
[FULL STORY]

How to Give Back During the Holiday Season
Get into the spirit of generosity by sharing with your community

Though it may not seem like it, a simple donation or act of kindness can make a world of difference for those who are in need.
[FULL STORY]

How to Set Attainable Goals for the New Year
Setting goals that you can achieve in 2019

Making resolutions is a tradition for many people who want to start the New Year off fresh and focused. Whether you’re determined to revamp your eating habits, get in shape, start a new business or pursue a new passion, the best way to achieve your resolutions is to break each one down into small steps.
[FULL STORY]

How to Maintain the Charm of an Older Home When Remodeling
Which features to keep and which ones to replace on a historic home

One of the biggest mistakes people make when trying to renovate an older home is to implement trendy improvements rather than timeless ones.
[FULL STORY]


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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.
 
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