- March 2, 2021 by Rebecca Molitoris-
Whether you are a seasoned walker, a newbie, or use a wheelchair to get around, some of the best places to see the changing leaves are the Trails of Colerain Township. There are seven different trails for you to enjoy. Most are handicapped accessible and also suitable for bicycling, skating, roller blading, or skateboarding with pedestrians taking priority.
There are also ways to get off the beaten (or blacktopped) path by following one of the nature trails into beautifully wooded areas. Each trail is well marked and easy to follow. Below is a list of the Colerain Trails including their location, length of trail and any extra amenities found there:
- February 3, 2021 by Rebecca Molitoris-
With interest rates at an all-time low you may be thinking of refinancing your home mortgage. But is it the right time for you? Well, that depends on a few things, according to Rob Hoffman, President, New Foundation Savings Bank. “For instance, is this your forever home or do you plan on selling within the next year or two?”
If you plan on selling soon, refinancing may not be the right move. So how do you know when it is right? Rob says, “When the savings on interest over a two-year period or less is greater than the cost of refinancing, then refinancing typically makes sense. For example, say you have a $100,000.00 loan and the interest savings is 1% which is roughly a savings of $2,000.00 over two years...
- January 6, 2021 by Ruth Clippinger-
Now, more than ever, we need to be paying attention to our mental and physical health. Having a pet can bring many health benefits. If you don’t have a pet, this might be the perfect time to adopt a furry companion.
Dogs need to have regular exercise and so do you! Walking or running with your dog can lower your blood pressure and cholesterol levels according to an article by the CDC. Farbach Werner Nature Preserve in Colerain Township, is an awesome place to walk your dog and enjoy some time in nature.
Even playing with your pet can help you to get moving. Whether it is a game of fetch with your dog or a round of chase and jump with your cat - all pets need to release some of their extra...
- January 4, 2021 by Rebecca Molitoris-
It’s a New Year. A time of renewal, a chance for a fresh start, a time to get organized. If getting more organized this year is one of your New Year’s resolutions, consider organizing your record keeping as well as your closets.
If you’re like me, you’re overrun with paper. Bills, receipts, tax records, bank statements, and pay stubs add up quickly to form a mound of paper by month’s end. Where and how do you store it? What do you need to keep and for how long? Below I’ll give you some tips about what to keep and for how long, ideas for storing documents, and how to reduce or eliminate most of that pesky paper altogether.
- December 23, 2020 by Rebecca Molitoris-
The Importance of Mortgage Pre-Qualification
So, you have decided it’s time buy your first house, or to scale up to a bigger house, or perhaps you have reached that time in life where downsizing makes sense. Whether you are a first-time home buyer or a seasoned pro, getting pre-approved for a mortgage is the smart thing to do for the following reasons:
Check Please –
Your lending institution will need to run a check on your credit to find out how uniquely qualified you are to buy the home of your dreams. Checking your credit status is best to do before...
- December 16, 2020 by Rob Hoffman-
Many times a lender will advertise very low or no closing costs but is this really a good deal? The answer as with many financial questions is “it depends”. Each person’s financial situation and goals are unique but here are some guidelines to help you make the financial decision that is in your best interest.
Low closing costs usually come with a interest rate that is slightly higher than the market rate for that type of loan. The reason is the lender will have to pay the costs to originate a loan that the borrower is not paying. The lender recoups these costs by charging a slightly higher interest rate.
- December 10, 2020 by Ruth Clippinger-
Light Up Middletown - Middletown, Ohio
Located at Smith Park (500 Tytus Avenue) this drive-thru display is celebrating 21 years of holiday cheer.
It is open every night from November 26th (Thanksgiving) to December 31st (New Year’s Eve) from 6:00-10:00 p.m.
Cash donations are accepted to help benefit Middletown City Parks.
Christmas Glow at Land of Illusion - Middletown, Ohio
This display offers a 2 mile presentation of “Christmas Around the World.” There is an admission fee of $7.00 per person.
- December 1, 2020 by Marie Rossiter-
Whether you’re building a new home or looking to redesign your current house, there are many decisions to factor into the process. With so many choices, it can be easy to get lost in the bigger projects and details. Large, looming decisions such architecture, furniture options, wall coverings, floor materials take front and center.
However, one of the most transformative elements to any room is something often overlooked: the lighting. Sure, light fixtures have an important functional purpose in our homes. They illuminate the space so we can see when it is dark. Yet, a home’s lighting fixtures can really elevate your home’s sense of style. And, it can even add value to your home.
- February 17, 2020 by Taunya Hughett, Red One Realty-
It had been a long day for my clients and myself. We viewed five homes together that afternoon. They were a young couple with two school age children needing to purchase a home around $300k. Of the homes we saw, three needed new carpet, had older mechanical systems, older roofs and one had a choppy floor plan. My clients got...
- February 10, 2020 by Debbie Maxfield, Keller Williams Realty Associate Partners-
There is a misconception that the winter months aren’t a good time to buy or sell a home. While it’s true that the market typically makes a seasonal slowdown, sales in December of 2019 soared up 11.4% compared to December a year ago. Apparently, not everyone is hiding indoors during the winter weather! Yes, life goes...
- January 6, 2020 by Doris Gibbons, Gibbons Insurance Agency-
Before you start making your interior cozy, take these steps to make sure the outside of your home is prepared to withstand the brunt of the winter cold, snow and ice.
Clean your gutters. Much like the spring cleaning you do inside, plan on fall cleaning outside. Remove leaves and debris from roofs, gutters and around your home to prevent water and ice build-up and mold growth. While you’re outside, check for other signs of wear to the exterior...
- November 11, 2019 by Marie Rossiter-
It might sound like quite the leap to go from auto racing to banking, but for New Foundation Savings Bank president Rob Hoffman, it’s all part of a long family history. Rob got an early start at both careers that have had more twists and turns than a racetrack.
“I am third generation when it comes to racing,” Rob said. “My grandfather was a mechanic...
- October 28, 2019 by Marie Rossiter-
Sarah Aguilar loves people and connects with them as much as possible. For her, it all starts at home with her parents and her three younger sisters. She doesn’t let the age gap between the sisters get in the way of having a good time.
“We have such a close relationship,” said Sarah. “We love to go shopping, to bake and to just hang out. We used...
- October 14, 2019 by Marie Rossiter-
Bev Rosiello loves a good hands-on project. You might find her out and about her Colerain Township home working on a landscaping or gardening project. A self-proclaimed flower lover, Bev and her husband of 32 years, John, grow all kinds of perennials and even have their own herb garden. Those herbs come in handy in the kitchen when she is making her...
- September 30, 2019 by Robert Hoffman-
Every child should be taught how to be safe online. In the new digital world, there are technological wonders which often introduce cyber threats of many kinds. The online world can be a place of inappropriate conduct and content where kids may fell anonymous. There are bullies, predators, hackers and scammers that may post a threat to...
- September 23, 2019 by Robert Hoffman-
We all know it happens – computers crash, malware infects them, or somebody downloads that cool, new program that crashes everything! While there are many tips and tricks of great value for preventing your devices and data from being compromised, it is important to also have a backup of your information in case something goes...
- September 16, 2019 by Robert Hoffman-
It is very easy to find any information you need in today’s connected world. Have you ever Googled yourself to see what information about you is online? A search can often provide your address history, phone number, age, birth date, employment information, public records, and social media accounts. Consider what can be done with Personally Identifiable Information (PII) from the perspective of...
- September 9, 2019 by Robert Hoffman-
Have you ever gotten an email from someone claiming to be royalty? In their email they tell you that they will inherit millions of dollars, but need your money and bank details to get access to that inheritance. You know this email isn’t legitimate, so you delete it, yet there are many more scams being perpetrated by criminals that sound more believable and aren’t as easy...
- August 26, 2019 by Marie Rossiter-
In the first part of our Kids and Saving series, we talked about the importance of saving money and how we, as adults, act as role models for the younger generation. Our culture seems almost driven on impulse spending, so the earlier we can teach our children the value of saving...
- August 19, 2019 by Jennifer Brauer-
Back to school is here. Out with lazy days at the pool and in with homework, music lessons, soccer practice, after-school clubs, science projects, math tutoring and a million other things that demand attention. While plunging back into the school routine, it is easy to forget about keeping your devices safe.
- August 5, 2019 by Marie Rossiter-
Saving money is something we love to talk about, but have a hard time sticking with on a regular basis. In fact, a May 2019 poll showed about two-thirds of Americans who make between $50,000 and $100,000 would have a hard time coming up with $1,000 if an emergency...
- July 29, 2019 by Robert Hoffman-
Over the years, many of us have accumulated a mountain of CD's, hard drives, devices, online accounts, and other mediums that store information that are out there and unused. Outside of the key information you kept stored on purpose for long term use or retrieval, it is good to periodically assess and dispose of unneeded storage media and information. These days, information...
- July 22, 2019 by Marie Rossiter-
Having fun while on a budget may sound impossible. After all, even simple things like going out to see a movie can send a budget into a tailspin. The average price of a single movie ticket is $9.11, according to the National Association of Theatre Owners. For a family of four, before taxes, that’s nearly $40 just for the movie tickets. Throw in some snacks for everyone and now ...
- July 15, 2019 by Marie Rossiter-
Managing your money is a skill. It's not something most of us are born with or can pick up easily. yet, many people simply think good common sense will just come to us when it comes to our dollars and cents. The facts, though, prove otherwise.
- July 8, 2019 by Robert Hoffman-
The number of scams and malware taking advantage of social media users and platforms is on the rise. Social media scams are easy to create and can target thousands of people at once due to how users interact with pages, posts and contacts. Once...
- June 24, 2019 by Robert Hoffman-
Typical travelers heading out on their summer vacation check that they have the right supplies and clothes for their trip before they hit the road. Expert travelers will also be checking to ensure they are educated and prepared to be cyber-safe...
- June 17, 2019 by Marie Rossiter-
Going on vacation can be a real drain on the bank account. Even if you've saved up the money ahead of time in a special vacation fund, there are a variety of expenses along the way that can nickel and dime your budget down to almost...
- June 10, 2019 by Marie Rossiter-
Ready to get in shape, but worried you don't have the money to invest in an exercise program? After all, gym memberships can expensive, especially when lengthy membership contracts are involved. The good new is you don't have to spend hundreds...
- January 28, 2019 by Robert Hoffman -
In the past year, we saw a significant number of data breaches impacting the privacy of individuals. According to the Privacy Rights Clearinghouse, in 2018, 807 publicly disclosed breaches exposed 1.4 billion...
-November 28, 2018 by Robert Hoffman -
It is that time of year where so many people prepare to purchase gifts for friends, family, and loved ones. Though it can be convenient to avoid the lines and rush for that latest Black Friday deal by shopping online, this also carries some risk.
- September 04, 2018 by Jennifer Brauer -
MoneyPass locations can be easily found using the ATM locator in our TouchBanking app or by visiting our website. So, whether you are out on the town in the Big Apple or sunning yourself in Los Angeles, we've got you covered...
- July 02, 2018 by Jennifer Brauer -
At New Foundation Savings Bank (NFSB), our team is dedicated to partnering with local non-profit organizations to strengthen communities. We support community projects with hands-on volunteers, in-kind donations, and sponsorships...