Insight

Money for College: Don’t Forget FAFSA!

Do you have children heading to college next year? Have you filled out the Free Application for Federal Student Aid (FAFSA)? There’s still time—but not much!

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Posted by Richard Lemay on February 12, 2020

Emergency Funds: Why You Need One

Even if you have a great handle on your finances, unexpected challenges such as losing a job, dealing with an injury or illness, or having to help a family member in need can threaten your financial stability. It doesn’t take much to throw your monthly budget off track.

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Posted by Kelly Nelson on February 6, 2020

What is a B Corp?

In 2016, Mascoma Bank started the process of becoming a Certified B Corporation®, and two years later we celebrated the completion of this process and our official status as a B Corp.

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Posted by on January 29, 2020

Income and Expenses: Groundwork for the Future

Making money, and spending it, is a part of everyday financial life.

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Posted by Kelly Nelson on January 22, 2020

Budgeting: Make a Plan!

Devising and maintaining a practical, workable budget is the foundation of your financial well-being. Whether you are on your own or have a partner or family, it is an essential starting point.

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Posted by Mandy Wright on January 15, 2020

Mascoma Bank receives award from American Psychological Association

Mascoma Bank is thrilled to announce that we were honored with the American Psychological Association’s 2019 Psychologically Healthy Workplace Award at a ceremony on March 28 in Washington, DC.

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Posted by on December 23, 2019

The Season of Giving

The end of the year is often seen as a time to give to those in need, whether it’s through monetary support or showing up to volunteer. How can you make the most impact this season as you decide where your resources should go?

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Posted by Mariah Davis on December 18, 2019

Check Before You Click—How To Stay Safe While Shopping Online

Online shopping has become a daily reality for many of us. In fact, U.S. shoppers spent $126 billion on online shopping during the 2018 holiday season. That’s a lot of opportunity for deals—and security downfalls. While online shopping is easy and efficient, you want to practice the best safety habits to ensure you aren’t giving the

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Posted by Peter Begin on December 11, 2019

Healing Trauma through the Expressive Arts

At Mascoma Bank, we believe that the importance of art and the value of its creation goes far beyond anything displayed on walls or a stage. That’s why we are proud to be a longtime supporter of SafeArt, a community-based organization that uses the expressive arts as tools to support mental health and overall well-being.

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Posted by Mariah Davis on November 26, 2019

Celebrate National Scholarship Month—by Looking for Scholarships

It’s no secret that the cost of a college education has grown over time. Finding ways to pay for college that don’t involve borrowing has become ever more important to students and their families.

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Posted by Richard Lemay on November 19, 2019

Want to Go to a Show? Check Out the Live Theater in the Upper Valley

If you’re a theater lover, and you’re new to the Upper Valley, you might think you have to trek to Boston or New York to meet your live theater needs.

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Posted by Sherry Noyes on November 14, 2019

Stay Safe on Social Media

Social media is a terrific way to keep in touch with friends and family near and far, but it can also offer up another crack that hackers can slip through and wreak havoc on your finances and identity.

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Posted by Peter Begin on November 11, 2019

Stay Safe with Software

It’s almost impossible to imagine life without electronic devices. How would you keep in touch with your friends, listen to music, watch movies, buy tickets, make payments, or find the information you need without your phone, tablet, or computer? But as essential as your devices are to the way you live, using them can also

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Posted by Peter Begin on

Arts and Humanities: Not Just for Artists

At Mascoma Bank, we believe that every member of our community should have opportunities to experience the arts and humanities, as an audience member, participant, and/or creator.

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Posted by Mariah Davis on November 4, 2019

Get Your Woof On and Celebrate Shelter Dogs

October is National Adopt-a-Shelter-Dog Month! At Mascoma Bank, we are firm believers in giving back to the communities in which we serve, and that means ALL members of the community—including those with fur, feathers, and scales.

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Posted by Mariah Davis on October 16, 2019

At Mascoma Bank, We Know Our Customers

October is Cyber Security Awareness Month. Here at Mascoma Bank, we take security very seriously and that starts with educating our customers and being ready to help them spot potential fraud. Internally, our team uses a program we call Know Your Customer to help us understand your bank habits and be ready to step in

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Posted by Peter Begin on

What You Need to Know About Credit Scores

Keeping track of your credit score is a crucial piece of maintaining your financial well-being. Your credit score is like getting a grade for all the good work you’re doing with your finances—or it can serve as a reminder that you could be doing better.

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Posted by Richard Lemay on

Employee Ownership as a Succession Option

As a certified B Corp, Mascoma Bank is part of the global movement to use business as a force for good. But what does that mean? How can business be a force for good? The Vermont Employee Ownership Center is a prime example of how businesses can have a positive impact in the real world,

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Posted by Mariah Davis on September 17, 2019

Changing the World through Music

Apple Hill Center for Chamber Music sits on 100 pastoral acres in the small New Hampshire town of Nelson. Originally a sheep farm, the location was acquired in 1971 by Boston area-based cellist and music teacher Gene Rosov, who had a dream to start a music camp for his students.

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Posted by Mariah Davis on

Music Education for Everyone

Music is a collaborative art. People who play music together learn to work together and form the connections that result in strong communities. At Mascoma Bank, working to promote strong communities is an important part of who we are. That means, supporting organizations like the Upper Valley Music Center aligns perfectly with our philosophy.

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Posted by Mariah Davis on

The Monthly Scam Spotlight: The Firewall Fraud

Have you ever been scammed? Or wondered if someone is trying to scam you? You’re certainly not alone. According to the Consumer Sentinel Network Data Book, in 2018, nearly 3 million reports of fraud and identity theft were made to the Federal Trade Commission, resulting in a loss of nearly $1.48 billion.

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Posted by Peter Begin on August 29, 2019

The Pros and Cons of Small Town Living

Small town living can be delightful, but for some people, it might not be the right fit.

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Posted by Jim Giller on August 17, 2019

The Intervale Center: Good for Farms, Good for Land, Good for People

Rising in the town of Cabot in Washington County, Vermont, the Winooski River flows westward across half the state, winding its way through Colchester, Winooski, and Burlington on its approach to Lake Champlain. From above, it looks like a ribbon tossed upon the land.

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Posted by Mariah Davis on August 7, 2019

The Lucy Mackenzie Humane Society: Improving the Lives of People and Pets

At Mascoma Bank, one of our most important goals is to be a force for positive change. No less an authority than Mahatma Gandhi once said, “The greatness of a nation and its moral progress can be judged by the way its animals are treated.” If that’s true, the Lucy Mackenzie Humane Society is making us

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Posted by Mariah Davis on

5 Questions You Should Ask Yourself Before Buying a Home

Preparing to purchase your first home can be daunting. Make sure you’re ready by asking yourself these five questions first.

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Posted by Sarah Powell on June 11, 2019

Tech Support in the Upper Valley—Who You Gonna Call?

How much do you depend on your smartphone, iPad, laptop, or tablet? If any one of those devices stopped working right now, just how far up a creek without a paddle would you be? Does the thought alone make you break out in a cold sweat?

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Posted by Janet Costa on April 2, 2019

Little Ways to Save Add Up

From Thanksgiving through New Years, many of us throw caution to the wind. We spend more and we eat more, and even now, many of us are recovering from all that excess.

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Posted by Richard Lemay on March 5, 2019

Five Signs that Someone Is Scamming You Through Your Email

Between work and home, do you have any idea how many emails drop into your inbox each and every day? More than 10 but less than 50? More than 100? A number so high you don’t even want to know what it is?

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Posted by Peter Begin on January 23, 2019

Trading Places

So the snow came early this year, and it just keeps coming. No doubt a fair number of you are now daydreaming about vacations in Florida or New Mexico, maybe checking out rentals on Airbnb or Trivago.

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Posted by Norm Frates on December 18, 2018

11 Downhill Ski Resorts Near Keene

Right about this time of year, all you avid snowboarders and skiers in the Keene area are doing the same thing. You’re hoping winter comes early, drops tons of snow, and stays as long as possible, at least through April, maybe even into May.

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Posted by Sarah Powell on November 14, 2018

Mascoma Bank Honored as “Best For the World!”

Mascoma Bank has a long history of commitment to both its employees and its communities, and this commitment continues to grow with time. And now, these efforts are being recognized.

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Posted by on July 13, 2018

10 Things You Don’t Realize Could Hurt Your Credit Score

Having a good credit score is imperative to anyone applying for a mortgage. Learn what might be bringing down your score.

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Posted by Sarah Powell on June 11, 2018

5 Ways to Secure Your Online Finances

It was not so many years ago that you paid your bills with a checkbook and a roll of stamps. Buying or selling stocks required picking up a landline telephone and talking to your broker. If you wanted to transfer money from your checking account to your savings account, you went to the bank.

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Posted by Perry Eaton on January 23, 2018

10 Hot Spots for Cool Ice Skating in the Upper Valley

When it comes to ice skating in the Upper Valley, people tend to fall into one of two groups. There are the recreationists who just want to get out on some ice, skate around for a little bit, and sip some hot chocolate. And then there are the hockey players.

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Posted by Flossy Courtemanche on September 28, 2017

Five Fascinating Museums of the Upper Valley

The Upper Valley can be an outdoor lover’s paradise. There’s always another mountain to climb, a lake to swim in, a river to paddle down, a mountain trail to bike on. But the Upper Valley has plenty of indoor attractions, too, as well as places that offer a great indoor/outdoor combination.

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Posted by Sherry Noyes on August 2, 2017

Five Steps to Start Saving—Today!

If saving were as easy as spending, we’d all be sitting on nest eggs the size of mountains. Unfortunately, most Americans struggle to save, and many carry more than $10,000 in debt on their credit cards.

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Posted by Richard Lemay on July 12, 2017

Saving for College Tuition

The days seem long gone when kids could work summer jobs and save up enough money to pay a substantial portion—if not all—of their college tuition. Today, students borrow tens of thousands of dollars to cover the cost of their college degrees, and it seems the price tag is only going to go up.

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Posted by Richard Lemay on

Warning: Trees Too Close to the House!

Trees abound in the northeast. Their beauty is one of the natural features that draws people to the area and makes them want to put down roots of their own.

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Posted by Norm Frates on May 31, 2017

A Covered Front Porch: More Than Just a Lovely Place to Sit

For many homeowners, having a covered front porch might seem like a luxury. The added expense of a covered porch stretches the budget, whether you are building new or renovating—is it worth it?

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Posted by Sherry Noyes on April 7, 2017

Building a House? Time for Your Final Grading!

No, you’re not back at school. We’re talking about the final grading of your land, done with bulldozers and other heavy equipment after your home is complete!

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Posted by Flossy Courtemanche on March 23, 2017

Building a House? Don’t Forget a Perc Test!

When you buy land to build a house from the ground up, you discover a world of stuff to think about. And one of the first and most important things? Sewage.

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Posted by Sherry Noyes on March 5, 2017

Building a House? Know These Four Options for Septic Systems

To plan your ideal home and watch it come into being is a pretty amazing process. And there’s probably nothing like the topic of sewage to burst that happy bubble where you daydream about your new home.

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Posted by Flossy Courtemanche on

Plans vs. Specifications: Which One Wins When Building a House?

All builders have two documents that guide them when building a house: the plans and the specifications. In a perfect world, those two documents seamlessly mesh together and support one another.

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Posted by Sherry Noyes on February 17, 2017

16 Home Construction Terms You Need to Know

Building a house is a complex process! You might be new to a lot of the terminology used by contractors and subcontractors.

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Posted by Jim Giller on February 9, 2017

Which House Plan is Best For You?

You bought some land, and you’re ready to move ahead with building a house. Now what you need is a plan! A house plan, that is.

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Posted by Sarah Powell on

What You Need to Know About House Plans vs Specifications

Building a house from scratch is a tremendous undertaking. It requires you to make a seemingly endless parade of decisions about things you might not have thought much about before. One area of confusion for first-time home builders can be the difference between the house plans and the specifications.

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Posted by Sarah Powell on

Your House Plan: What Does it Include?

If you’re building a house, you have to have a plan—a set of scaled drawings and written specifications that will guide virtually every aspect of construction.

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Posted by Jim Giller on February 7, 2017

INSIGHT Investing in the Community: Mascoma Community Development

Learn how Mascoma Community Development helped drive economic revitalization in Berlin, New Hampshire’s steel industry and assisted in putting more than a hundred local residents back to work.

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Posted by on February 6, 2017

The Secret to Finding a Builder You Can Trust

When you build a new house or undertake a major home renovation, you spend a lot of time with builders and contractors. How can you be sure you’re getting the best person for the job?

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Posted by Sarah Powell on December 15, 2016

Mascoma Savings Bank BBQs: Serving (and Feeding!) the Community

Did you make it to a Mascoma Savings Bank community BBQ this summer? Hamburgers, hot dogs, cold drinks–we’ve got it all, along with a good dollop of that community feeling. Take a look.

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Posted by on September 30, 2016

5 Tips on Becoming a Part of a New Community

Moving to a new neighborhood? Here’s how to find your new community.

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Posted by Sarah Powell on August 17, 2016

5 Tips for People Paying Two Mortgages

Paying off two mortgages can be a huge financial burden. Here are five ways to make it more manageable.

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Posted by Jim Giller on

5 Renovation Ideas for People Who Want to Age in Place

Many Americans want to continue living in their homes as they age. Doing so takes a lot of planning, however, and maybe a few renovations.

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Posted by Jim Giller on August 1, 2016

5 Things You Should Know About Credit Counseling

Credit counseling can be a long process, but it is one of the best ways to get your finances in order and put yourself and your family in a position where you can build wealth and improve your credit scores.

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Posted by Sarah Powell on July 29, 2016

5 Home Improvements To Raise Your Home’s Value and 5 That Rarely Do

Home renovations can add value to a home, but you need to choose your project carefully.

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Posted by Sarah Powell on

Buying a New Home? Here’s What To Think About First

Buying a home is one of life’s most exciting events, and we’re always honored to be a part of it!

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Posted by Sarah Powell on July 25, 2016

What Is a Debt-To-Income Ratio?

Learn about how banks calculate your debt-to-income ratio and how this number affects your ability to get a mortgage.

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Posted by Sarah Powell on May 31, 2016