January 2019ihecu.com - 937.390.1800

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Start the New Year off Right with These Savings Tips
Fresh financial habits to maximize your savings

A new year is a great time for a money makeover. If you struggle with saving, or want to save even more than you do already, here are seven strategies worth implementing.

Importance of Annual Insurance Evaluations
How reviewing your insurance policies saves you money

Insurance policies are living documents. As your needs and circumstances change, so too should your insurance change to reflect them.

Going Paperless in 2019
The advantages of shifting to electronic banking statements

Discover the three primary benefits of going paperless with your banking statements and communications.

How Does the Interest Rate Affect You?
The rates are steadily rising

Since the recession of the late 2000s, the U.S. economy has continued to recover and grow again. Simultaneously, the cost of borrowing money, or the interest rate, is on the rise.

What to Do When You Get Dividends
Making the most of your dividend payouts

Investing in the stock market offers up a great deal of both short-term and long-term benefits, and there may be no better example of the former than dividend stocks.

What is the Retirement Earnings Test?
What to know about Social Security heading into retirement

If you are planning on drawing on your Social Security benefits before you reach the full retirement age, you will need to take the Retirement Earnings Test. The results of this test will have a …

Holiday Closings

Martin Luther King, Jr. Day

Monday, January 21st

You're Invited!

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. All of our members are welcome to attend!

How to Tackle Clutter in Your Home
Ways to free your home of chaos

If your home resembles an untidy mess rather than the peaceful sanctuary you long for, now is the time to get serious about decluttering.

Tips for Beating the Winter Blues
Ward off the winter doldrums with these healthy habits

Do holiday stress and shorter days have you feeling grumpy and lethargic? Try these tips and say goodbye to the winter blues.

How to Avoid Germs in the Workplace
Increase your chances at staying healthy at work

Regardless of the influx of sicknesses going around at work, you can fight back without hurting your sick coworkers.

How to Make Family Budgets Fun
How to factor in fun to the family budget planning process

Setting spending limits and crunching numbers is not exactly a traditional recipe for family fun. But it is possible to make the process of creating, maintaining and benefiting from family budgets an enjoyable one.

Safety Tech to Consider When Purchasing a Vehicle
Which high-tech car safety features are right for you?

Today’s vehicles are often available with a dizzying array of safety systems and technologies. Some features help drivers avoid crashes, while others help reduce danger and prevent injuries when a collision is unavoidable.

Winter Yard and Garden Care Tips
Help your garden survive winter’s worst so it can bloom in spring

During warmer weather, you take good care of your garden and spend time planting, watering and deadheading. But once winter rolls around and your flowers die, you probably don’t give your garden much thought.

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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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