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This question often comes up, especially in light of recent security breaches at various merchants. The short answer is yes, a Debit Card is just as safe as a credit card. However, there are differences that you should be aware of.
Each has their advantages, and possible disadvantages. This has to do with your intentions for using each card.
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The holidays are a special time of year, shared with friends, family and those you love. The Hudson Valley offers many holiday events each year for you to attend! Below is a list of holiday activities that are either coming up or that are still going on!
Elder financial exploitation is the illegal or improper use of an elderly adult’s funds, property, or resources by another individual. This exploitation can take many forms, including scams, abuse by trusted individuals such as family members or friends, and predatory products and services marketed specifically to the elderly.
Unless you have purchased a newly constructed home there is always some uncertainty regarding previous “events” in a home. In the past, real estate transactions were based on “Caveat Emptor” (Let the buyer beware). Over time, however, certain exceptions have been established by New York courts that help protect buyers by increasing a seller’s risk of responsibility for undisclosed defects.
First Friday Poughkeepsie is coming back November 3rd to kick off the Fall Season with a Friendsgiving celebration at Mural Square. It is FREE to the public, and creates a unique, lively atmosphere that provides entertainment for both adults and children.
Friendsgiving is an event where friends meet together for an enjoyable night in the Heart of Poughkeepsie to kick off the cheerful holiday season. There will be delicious food and beverage vendors, face painting, and a bouncy house for children, along with games and a contest for the entire family. Live entertainment will be provided by the incredible Robert Cahill Band who will be performing during the event.
According to the FBI’s Internet Crime Complaint Center (IC3) between October 2013 – May 2016 there were 15,668 domestic and international victims of BEC. The combined exposed dollar amount losses of these crimes totaled $1,053,849,635.
There are so many ads on TV enticing you to come in and lease that new car for $199 per month or that new truck for $349 per month, how can that be?
Well, just look at the fine print.
A consumer need for convenience, increased regulation, and numerous advances in technology have all contributed to the drastic changes in check handling by the banking industry since 9/11. Prior to these changes, the only way to clear checks taken as deposits at bank branches were to physically transport them by plane, armored car or truck from the bank of deposit to the nearest Federal Reserve Branch. The checks were then sorted, and transported to the bank they were drawn on to post. The total check clearing process could take at least five business days! Writing checks is quickly becoming obsolete: almost all non-cash transactions are now done electronically through ACH, debit, and credit card transactions. In fact, in 2015, only 12% of non-cash transactions were made by check – this is a 34% decrease in check payments since 2003!
So you have a fancy new chip in your Rhinebeck Bank debit card, and now your transactions at the store are taking a bit longer than before. What’s going on, and why do you need this? The chip uses a more advanced technology, called EMV. EMV stands for EuroPay, MasterCard®, and Visa®. Here’s why the new EMV technology is important:
Many of us make personal New Years resolutions. Exercising, eating better, spending more time with friends and family are popular resolutions we hope to keep in order to improve our personal life. But how about making resolutions for our work life? We spend a large percentage of our time at work, so why not make resolutions to improve the job we do?