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August 2014

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Russian hackers might have your info � now what?
by Amy Hebert Consumer Education Specialist, FTC
Amy Hebert's most recent blog addresses the latest Russian hacker job. Millions of email addresses and passwords have been stolen from thousands of websites. She addresses this most serious of situations with some commonly asked questions.

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Photo: Do You Have a Spending Problem?

Do You Have a Spending Problem?
How to know and how to fix it
If you�ve ever checked your bank account and wondered where all your money went, or how you could possibly have such a small sum, you may have an unintentional spending problem. And that�s harmful because overspending can lead to mass amounts of debt and dissatisfaction with yourself.

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Photo: Understanding Vehicle Financing

Understanding Vehicle Financing
Should you use direct lending or dealership financing for your new vehicle?
Shopping for a new car is an exciting process, and contrary to popular belief, obtaining financing doesn�t have to ruin the fun. If you take the time to learn about the two basic types of financing, direct lending and dealership financing, before you take your first test drive, you�ll be setting yourself up for a smooth, efficient shopping experience.

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Photo: Five Ways to Save Money on Textbooks

Five Ways to Save Money on Textbooks
Find the textbooks you need without depleting your college nest egg
On average, college students spend around $655 per year on textbooks, according to the National Association of College Stores. And with the cost of tuition and other school expenses, no college student wants to be spending � or should be spending � that much for their books.

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Avidia Bank Takes Part in ALS Ice Bucket Challenge
Many employees of Avidia Bank, President & CEO Mark O'Connell included, have participated as teams in the recent ALS awareness campaign founded by Pete Frates. Though …

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Photo: Top Three Cars for College Students

Top Three Cars for College Students
These options are affordable, practical and even fun
So you figured out which classes you need to take, the best places to check out on and off campus and even figured out how to make some extra money for those �necessities." …

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Five Movies That Are (Arguably) Better Than the Book
Check out these flicks based on literary favorites
Movies and books have a lot in common. They both tell stories, make us think, and introduce us to new and interesting worlds. Most people agree that books are usually better …

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Big Sur
Stunning views and unique experiences await along the California coastline
Big Sur spans 90 miles of California coastline between Carmel and San Simeon. The beauty alone draws visitors to the area, but there also are plenty of places to stay and …

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Cold or Allergy? Decoding the Symptoms
Learn to decipher your sniffles so you'll feel better
Your nose is stuffy, and your throat hurts. You feel terrible. But is the cause a cold or allergies? When you feel this rotten, you might not care, but it's important to know …

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What is Eco-tourism?
Defining environmentally sound and sustainable travel
The world is quickly becoming a smaller place as advances in flight and transportation allow more travelers the opportunities to visit remote areas. The development of the …

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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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