MHV's Off the Trail Wed, 04 Mar 2026 14:28:34 -0500 https://mhvoffthetrail.buzzsprout.com en-us © 2026 MHV's Off the Trail yes a76c0ca4-1802-5ba5-a977-846e6c012733 MHV: Mid-Hudson Valley Federal Credit Union episodic false Buzzsprout (https://www.buzzsprout.com) MHV: Mid-Hudson Valley Federal Credit Union https://storage.buzzsprout.com/8dptw4nh5f4bzjnjgjr67nhoyj71?.jpg MHV's Off the Trail Navigating the Pitfalls of Business Ownership: Insights from a Successful Entrepreneur Navigating the Pitfalls of Business Ownership: Insights from a Successful Entrepreneur Branching out on your own? Or already navigating the business ownership journey? In this episode, Karen Clark Adin shares the lessons she learned throughout her decades-long role as business owner. Karen successfully managed her business for over 20 years, including the difficult pandemic years. Hear her take on what business owners can (and should) do to find their own success.

]]> Branching out on your own? Or already navigating the business ownership journey? In this episode, Karen Clark Adin shares the lessons she learned throughout her decades-long role as business owner. Karen successfully managed her business for over 20 years, including the difficult pandemic years. Hear her take on what business owners can (and should) do to find their own success.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-12735312 Sun, 30 Apr 2023 12:00:00 -0400 1177 3 3 full false Understanding Business Entities: A Lawyer's Analysis for Small Business Owners Understanding Business Entities: A Lawyer's Analysis for Small Business Owners LLC? DBA? Corp?

What does it mean - and as a small business owner, does it even matter to you? Amy Ingram, of Ingram Law Firm, joins this episode to give her input on the various business entities...and why every business owner needs to create one.

]]> LLC? DBA? Corp?

What does it mean - and as a small business owner, does it even matter to you? Amy Ingram, of Ingram Law Firm, joins this episode to give her input on the various business entities...and why every business owner needs to create one.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-12548769 Sun, 02 Apr 2023 12:00:00 -0400 1553 3 2 full false Rewriting Your Money Story: Exploring the Link Between Mindset and Financial Abundance Rewriting Your Money Story: Exploring the Link Between Mindset and Financial Abundance We welcome Susan Diamond, money mindfulness coach and founder of HerFinance Club, on to this episode to explore the link between YOUR money beliefs and financial success.

Susan, who holds a Master's degree in Social Work from Fordham University, was certified by The Center for Financial Social Work as a Financial Coach. She blends the latest research and the most recent industry opinions into concepts and tools to help you improve your results with money.

Access Susan's tools here:

Read the introduction chapter to her book https://www.herfinanceclub.com/Money-Belief-Formula,

Download affirmations to inspire financial consciousness: https://www.herfinanceclub.com/financial-consciousness-guide, and

Download the DIY Money Story Guide to examine and uncover money blocks: https://www.herfinanceclub.com/1-diy-ms-guide-popup 

]]> We welcome Susan Diamond, money mindfulness coach and founder of HerFinance Club, on to this episode to explore the link between YOUR money beliefs and financial success.

Susan, who holds a Master's degree in Social Work from Fordham University, was certified by The Center for Financial Social Work as a Financial Coach. She blends the latest research and the most recent industry opinions into concepts and tools to help you improve your results with money.

Access Susan's tools here:

Read the introduction chapter to her book https://www.herfinanceclub.com/Money-Belief-Formula,

Download affirmations to inspire financial consciousness: https://www.herfinanceclub.com/financial-consciousness-guide, and

Download the DIY Money Story Guide to examine and uncover money blocks: https://www.herfinanceclub.com/1-diy-ms-guide-popup 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-12297455 Sun, 26 Feb 2023 10:00:00 -0500 1994 3 1 full false Why Should I Care About Banking with a Credit Union? Why Should I Care About Banking with a Credit Union? Maybe you've heard that banks and credit unions are different. And maybe you've even learned why.

But here's the real question:

Why should you care about that difference?

You're about to find out. Michael Mattone, VP of Community Impact at Mid-Hudson Valley Federal Credit Union, hops on this episode to drive home why people - including you - should care about the credit union difference. 

]]> Maybe you've heard that banks and credit unions are different. And maybe you've even learned why.

But here's the real question:

Why should you care about that difference?

You're about to find out. Michael Mattone, VP of Community Impact at Mid-Hudson Valley Federal Credit Union, hops on this episode to drive home why people - including you - should care about the credit union difference. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-10188383 Sun, 06 Mar 2022 12:00:00 -0500 551 3 1 full false Bankruptcy: What to Expect and What Happens Next Bankruptcy: What to Expect and What Happens Next No one wants to file bankruptcy. But the fact is, it's a very real financial possibility for a lot of people. And there's still a lot of mystery around it. In this episode, we're joined by Hilary Nichols, Loss Mitigation Manager. Hilary walks us through what happens during bankruptcy, what happens to your accounts, and what you need to do after filing. 

]]> No one wants to file bankruptcy. But the fact is, it's a very real financial possibility for a lot of people. And there's still a lot of mystery around it. In this episode, we're joined by Hilary Nichols, Loss Mitigation Manager. Hilary walks us through what happens during bankruptcy, what happens to your accounts, and what you need to do after filing. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-9356809 Sun, 17 Oct 2021 12:00:00 -0400 1243 2 9 full false Starting or Running a Business? Don't Skip This. (Hint: it's all in the business plan...) Starting or Running a Business? Don't Skip This. (Hint: it's all in the business plan...) So you've been bitten by the entrepreneurial bug? Starting a business is pretty exciting...but it takes a lot of planning to build a successful one. Get the expert take on business plans in this episode. Hear from Sam Kandel, Advanced Certified Business Advisor and Interim Director of the Mid Hudson Small Business Development Center on: 

  • What business plans are
  • Why they're critical to the success of your business
  • Your risk - if you fail to make a business plan
  • How to get started


]]> So you've been bitten by the entrepreneurial bug? Starting a business is pretty exciting...but it takes a lot of planning to build a successful one. Get the expert take on business plans in this episode. Hear from Sam Kandel, Advanced Certified Business Advisor and Interim Director of the Mid Hudson Small Business Development Center on: 

  • What business plans are
  • Why they're critical to the success of your business
  • Your risk - if you fail to make a business plan
  • How to get started


]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-9294009 Sun, 03 Oct 2021 12:00:00 -0400 1056 2 8 full false Want good credit? Don't do these things. Want good credit? Don't do these things. You know your credit score matters - to basically every financial decision you're going to make. But did you know there are common behaviors that could be holding your score down? We're joined by Aaron Lindo, MHV's Consumer Loan Underwriter, to discover what those top three behaviors are.

]]> You know your credit score matters - to basically every financial decision you're going to make. But did you know there are common behaviors that could be holding your score down? We're joined by Aaron Lindo, MHV's Consumer Loan Underwriter, to discover what those top three behaviors are.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-8969466 Sun, 08 Aug 2021 12:00:00 -0400 787 2 7 full false First Job? Here Are Your Tax Answers. First Job? Here Are Your Tax Answers. No matter when you enter the workforce, understanding taxes is one of the most confusing parts of your first job. Host Mariclare Cranston sits down with Thomas Lindgren, CPA, to get you some answers to the tax questions everybody has. 

]]> No matter when you enter the workforce, understanding taxes is one of the most confusing parts of your first job. Host Mariclare Cranston sits down with Thomas Lindgren, CPA, to get you some answers to the tax questions everybody has. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-8837870 Sun, 11 Jul 2021 12:00:00 -0400 1074 2 6 full false Fitness, Stress, and Money! Fitness, Stress, and Money! We know physical activity helps reduce stress, right? But...getting started with fitness can cause more stress in and of itself. Let's talk about embracing physical activity, how to make it work for you, and why it can help you with your money.

]]> We know physical activity helps reduce stress, right? But...getting started with fitness can cause more stress in and of itself. Let's talk about embracing physical activity, how to make it work for you, and why it can help you with your money.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-8513500 Sun, 16 May 2021 12:00:00 -0400 807 2 5 full false Top Tips for Small Business Owners Top Tips for Small Business Owners How has growing a business changed? What finance options are available? Are there certain things you should outsource? What financial mistakes should I avoid? In this episode Michael Mattone, VP Community Impact at MHV joins us to share the top small business tips every owner needs to hear. 

]]> How has growing a business changed? What finance options are available? Are there certain things you should outsource? What financial mistakes should I avoid? In this episode Michael Mattone, VP Community Impact at MHV joins us to share the top small business tips every owner needs to hear. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-8423207 Sun, 02 May 2021 12:00:00 -0400 1108 2 4 full false The Truth About Improving Your Credit Score The Truth About Improving Your Credit Score Want the hard truth about improving your credit score? There's no quick fix, but there are some steps you can take to get the solid score you need. In this episode, we're joined by Aaron Lindo, Consumer Loan Underwriter at MHV. He's giving you the expert scoop on improving your credit score. 

]]> Want the hard truth about improving your credit score? There's no quick fix, but there are some steps you can take to get the solid score you need. In this episode, we're joined by Aaron Lindo, Consumer Loan Underwriter at MHV. He's giving you the expert scoop on improving your credit score. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-8084325 Sun, 14 Mar 2021 13:00:00 -0400 993 2 3 full false Microsaving: Small Steps to Big Balances Microsaving: Small Steps to Big Balances You've probably heard this advice: save 3-6 months' worth of expenses in your Savings Account. And if you're like a lot people, you felt immediately overwhelmed because...that's a pretty big number. The good news? Microsaving. Tiny little deposits that:

  • Build the habit of saving
  • Add up to a decent balance in your Savings Account

Tune in to find out how to start, why it works, and things to avoid. 

]]> You've probably heard this advice: save 3-6 months' worth of expenses in your Savings Account. And if you're like a lot people, you felt immediately overwhelmed because...that's a pretty big number. The good news? Microsaving. Tiny little deposits that:

  • Build the habit of saving
  • Add up to a decent balance in your Savings Account

Tune in to find out how to start, why it works, and things to avoid. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-8034813 Sun, 28 Feb 2021 12:00:00 -0500 761 2 2 full false This is How You Find Control of Your Life This is How You Find Control of Your Life If 2020 taught us anything, it's that we don't control nearly as much as we think we do. And that can feel frustrating and scary. In this episode, we're joined by Lauree Ostrofsky, owner of Simply Leap and founder of Hudson Valley Women in Business. Lauree walks us through why we try to control others, what we can focus on to get grounded again, and some mindset shifts we need to make to set ourselves up for success.

]]> If 2020 taught us anything, it's that we don't control nearly as much as we think we do. And that can feel frustrating and scary. In this episode, we're joined by Lauree Ostrofsky, owner of Simply Leap and founder of Hudson Valley Women in Business. Lauree walks us through why we try to control others, what we can focus on to get grounded again, and some mindset shifts we need to make to set ourselves up for success.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-7081795 Sun, 03 Jan 2021 12:00:00 -0500 1281 2 1 full false College Planning in a Pandemic College Planning in a Pandemic College planning...has anything changed since COVID? Do I need to do anything differently? Is financial aid harder to get? Join us as we chat with Stephanie Goldberg-Mauro, founder and owner of College Planning 101. Stephanie shares her insider scoop on how things have changed and what stays the same. Then, download our Guide to Free Money to help you maximize your college financing. 

]]> College planning...has anything changed since COVID? Do I need to do anything differently? Is financial aid harder to get? Join us as we chat with Stephanie Goldberg-Mauro, founder and owner of College Planning 101. Stephanie shares her insider scoop on how things have changed and what stays the same. Then, download our Guide to Free Money to help you maximize your college financing. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-6696808 Sun, 06 Dec 2020 12:00:00 -0500 984 1 15 full false You Actually CAN Get Organized You Actually CAN Get Organized Oh, you know you've done it. Promised to get your home or office more organized. Soon. Tomorrow. Next Year. In this episode, host Mariclare Cranston chats with Colleen Ashe, founder of Ashe Organizing Solutions. Colleen dives into exactly how you can start, finish, and actually maintain an organized space. Tune in for lots of good info, and a few laughs along the way.

]]> Oh, you know you've done it. Promised to get your home or office more organized. Soon. Tomorrow. Next Year. In this episode, host Mariclare Cranston chats with Colleen Ashe, founder of Ashe Organizing Solutions. Colleen dives into exactly how you can start, finish, and actually maintain an organized space. Tune in for lots of good info, and a few laughs along the way.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-6477568 Sun, 22 Nov 2020 12:00:00 -0500 1621 1 14 full false The Easiest Way to Start Saving Money The Easiest Way to Start Saving Money You've probably heard experts suggest you need months' worth of expenses in your Savings Account. And...that's pretty overwhelming. How can you start - right now - with some easier steps? Join host Mariclare as she talks to Melissa Walsh, MHV's VP of Marketing, on ways to get started. Melissa shares what worked for her to start building a Savings Account and how you can take those same steps.

]]> You've probably heard experts suggest you need months' worth of expenses in your Savings Account. And...that's pretty overwhelming. How can you start - right now - with some easier steps? Join host Mariclare as she talks to Melissa Walsh, MHV's VP of Marketing, on ways to get started. Melissa shares what worked for her to start building a Savings Account and how you can take those same steps.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-6254257 Sun, 08 Nov 2020 12:00:00 -0500 836 1 13 full false Money + Kids: Starting the Conversation Money + Kids: Starting the Conversation How do you start talking to kids about saving money? Is there a way to make it interesting? Host Mariclare Cranston talks to MHV's Financial Education Specialist Sarah Short about starting money conversations with your children.

]]> How do you start talking to kids about saving money? Is there a way to make it interesting? Host Mariclare Cranston talks to MHV's Financial Education Specialist Sarah Short about starting money conversations with your children.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-5821300 Sun, 18 Oct 2020 12:00:00 -0400 528 1 12 full false Website First Aid Website First Aid You already know that a website is a must-have for your business. But what about the content on your site? Do you need to update it? And if so, how often? Join host Mariclare Cranston as she gets expert insight from Caroline Falk, MHV's Marketing Specialist, for some quick-hit website first aid.

]]> You already know that a website is a must-have for your business. But what about the content on your site? Do you need to update it? And if so, how often? Join host Mariclare Cranston as she gets expert insight from Caroline Falk, MHV's Marketing Specialist, for some quick-hit website first aid.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-5707198 Sun, 04 Oct 2020 12:00:00 -0400 896 1 11 full false Mastering Mindfulness Mastering Mindfulness You already know that physical fitness is important to your overall well-being. But where does your brain come into the picture? In this episode, Claude Dal Farra, owner of Spa 21 in Kingston, NY, shares his insights on mindfulness. You'll hear tips you can implement today to become more aware of your mental well-being and how it impacts your overall wellness.

]]> You already know that physical fitness is important to your overall well-being. But where does your brain come into the picture? In this episode, Claude Dal Farra, owner of Spa 21 in Kingston, NY, shares his insights on mindfulness. You'll hear tips you can implement today to become more aware of your mental well-being and how it impacts your overall wellness.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-5488777 Sun, 20 Sep 2020 12:00:00 -0400 1066 1 10 full false Introducing Credit Unions Introducing Credit Unions We're joined by Michael Mattone, VP of Community Impact at Mid-Hudson Valley Federal Credit Union, to dive into what makes credit unions different and why - with a resurgence of the importance of local economies - they're more important than ever. 

]]> We're joined by Michael Mattone, VP of Community Impact at Mid-Hudson Valley Federal Credit Union, to dive into what makes credit unions different and why - with a resurgence of the importance of local economies - they're more important than ever. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-4886699 Sun, 16 Aug 2020 12:00:00 -0400 986 1 9 full false Staging Your Home Staging Your Home Thinking about putting your home on the market? Staging is an important part of the process. Join host Mariclare as she chats with Jennifer Tampasis, Principal Designer and Owner of Jennifer Lynn Interiors. Jennifer is sharing her secrets on how to successfully prepare your home to boost its appeal to buyers.

]]> Thinking about putting your home on the market? Staging is an important part of the process. Join host Mariclare as she chats with Jennifer Tampasis, Principal Designer and Owner of Jennifer Lynn Interiors. Jennifer is sharing her secrets on how to successfully prepare your home to boost its appeal to buyers.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-4795847 Sun, 02 Aug 2020 12:00:00 -0400 1293 1 8 full false Digital Networking Digital Networking Networking is one of the most powerful ways to grow your career or your business, but how we network has changed. Join host Mariclare Cranston as she chats with Christine Gritmon of Christine Gritmon, Inc. Christine is a social media expert and master networker and is sharing her tips for finding, building, and loving your digital network. 

]]> Networking is one of the most powerful ways to grow your career or your business, but how we network has changed. Join host Mariclare Cranston as she chats with Christine Gritmon of Christine Gritmon, Inc. Christine is a social media expert and master networker and is sharing her tips for finding, building, and loving your digital network. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-4617851 Sun, 19 Jul 2020 12:00:00 -0400 1028 1 7 full false Managing Money in Times of Crisis Managing Money in Times of Crisis Join in as our guest Sarah Short, Financial Education Specialist at MHV, lays down some easy-to-implement action items for managing your money in times of uncertainty and crisis. No complex or overwhelming plans here; these are simple steps you can start today.

]]> Join in as our guest Sarah Short, Financial Education Specialist at MHV, lays down some easy-to-implement action items for managing your money in times of uncertainty and crisis. No complex or overwhelming plans here; these are simple steps you can start today.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-3581338 Sun, 03 May 2020 12:00:00 -0400 982 1 6 full false Getting Ready for College Getting Ready for College Join our host Mariclare as she talks with Sarah Short, Financial Education Specialist, on how high schoolers can start prepping for college. We're covering financial aid, the biggest surprises kids have when they start college, and how best to navigate the transition. 

]]> Join our host Mariclare as she talks with Sarah Short, Financial Education Specialist, on how high schoolers can start prepping for college. We're covering financial aid, the biggest surprises kids have when they start college, and how best to navigate the transition. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-2913451 Sun, 12 Apr 2020 12:00:00 -0400 802 1 3 full false Avoiding Fraud Avoiding Fraud We're joined by Charles Broe, AVP of Asset Protection at MHV, who's talking about signs that you may about to become a victim of fraud and how to avoid that. Don't miss this all-too-important episode! 

]]> We're joined by Charles Broe, AVP of Asset Protection at MHV, who's talking about signs that you may about to become a victim of fraud and how to avoid that. Don't miss this all-too-important episode! 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-3046234 Sun, 29 Mar 2020 12:00:00 -0400 1225 1 5 full false Expert Home Buying Tips Expert Home Buying Tips We're back with Kyla Thomas, a realtor from Murphy Realty Group, as she dives into some of her top home-buying tips! If you're even thinking about purchasing a home, don't miss her expert advice. 

]]> We're back with Kyla Thomas, a realtor from Murphy Realty Group, as she dives into some of her top home-buying tips! If you're even thinking about purchasing a home, don't miss her expert advice. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-2980828 Sun, 15 Mar 2020 12:00:00 -0400 776 1 3 full false Navigating Rough Financial Waters Navigating Rough Financial Waters What happens if I'm late on my bills? What do I do if I'm facing foreclosure? How can I get the help I need? In this episode, we talk with our very own Hilary Nalepa, Loss Mitigation Manager, to get expert insight into how to manage your finances when times are tough and money is short. 

]]> What happens if I'm late on my bills? What do I do if I'm facing foreclosure? How can I get the help I need? In this episode, we talk with our very own Hilary Nalepa, Loss Mitigation Manager, to get expert insight into how to manage your finances when times are tough and money is short. 

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-2804830 Sun, 01 Mar 2020 12:00:00 -0500 1013 1 2 full false Top Car Buying Tips Top Car Buying Tips We're going Off the Trail with Joe Capobianco, our resident car-buying expert. From when to buy a car to figuring out if pre-approval matters, tune in for top car-buying tips.

]]> We're going Off the Trail with Joe Capobianco, our resident car-buying expert. From when to buy a car to figuring out if pre-approval matters, tune in for top car-buying tips.

]]> MHV: Mid-Hudson Valley Federal Credit Union Buzzsprout-2746324 Fri, 14 Feb 2020 15:00:00 -0500 846 1 1 full false