Financial Wellness Archive 2021
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11/01/2021
When you’re ready to purchase a home, lenders are looking at several elements to understand what kind of borrower and spender you are. One number is worth a thousand words: your debt-to-income ratio. But what is it? And how do you calculate it? Here’s what you need to know.
02/01/2021
Do you keep making up excuses to start investing? When you wait things out, you're losing in two ways. Find out why there's no better time to create your financial freedom than right this minute.
01/03/2021
A new year means a fresh financial start. Have you thought about what financial improvements you’d like to make? Here are three steps to help you get started in the new year.
12/27/2021
When you’re making your New Year’s resolutions don’t forget to plan for your future financially. Whatever your goals may be, here are a few steps to help you achieve them.
11/12/2021
As we reflect on the last few years, we have to acknowledge the tremendous challenges faced by businesses, both big and small, throughout our community. The holiday season is here and there is no better time than now to shop local and eat local.
07/21/2021
After reading Part I of Ways to Dig Yourself Out of a Financial Hole, we hope you’ve found your footings and are in a better place than before. It’s crucial to establish smart money habits now in order to build yourself a healthy financial future.
09/01/2021
September is all about getting back to work, which includes refocusing on your finances before the busy holiday travel and shopping season is upon us.
09/18/2021
Owning a home is an exciting experience, but also one that comes with extra costs every month. Thankfully, maintaining a home doesn’t have to be expensive since recurring monthly costs aren’t fixed, and there’s a lot you can do to keep them down.
08/01/2021
We’re in the peak of summer and it’s easy to get lost in vacations, outdoor activities, and soaking up the sun. We can’t forget to keep an eye on our finances, though, as it’s easy to get burnt by poor money management habits.
08/20/2021
Parents with teenagers know nothing comes easy, including money management. But with young adults facing mounting levels of student loans and credit card debt, building a strong financial foundation early on is more important than ever.
07/01/2021
If you’ve found yourself stuck in a rut, it is possible to dig yourself out, but only if you’re willing to put in the work.
Do We Inherit Our Bad Money Habits?01/17/2021
While you can’t change your genes, you can learn to recognize and put a stop to repeating harmful money habits your parents (may or may not have) passed down to you.
03/13/2021
The Automated Clearing House (ACH) payment system began as an alternative to the check payment system.
Remote Deposit Capture03/28/2021
Remote Deposit Capture has been called "The most important development the (U.S.) financial institution industry has seen in years" by the Federal Reserve and others.
03/30/2021
Getting your yearly tax refund can be exciting and you probably have numerous ideas on how you could spend that money. If you’re receiving a refund, here are a few ways to make sure your money continues to work for you.
Is Business Insurance Tax Deductible?02/21/2021
Make this tax season a little less stressful by learning what you could potentially deduct when it comes to your business insurance.
06/03/2021
When you are looking to get your own place, it’s one of the biggest debates, which is better, renting or buying a home?
09/14/2021
Fraud should not be taken lightly and with the proper precautions, it can be prevented. Here are some ways to keep yourself and your money safe.
Home Equity Line of Credit vs. Home Equity Loan: What’s the Difference?04/01/2021
One of the advantages of owning a home is that you can build up equity that can then be used to borrow money when a financial need arises. Home equity lending uses the equity in your home as collateral.
04/10/2021
Renovating a home can be an exciting (and stressful) time.
11/09/2021
Consumers typically use their bank’s mobile app to conduct banking on-the-go. Banking apps can be used to check balances, pay bills, make deposits and transfer funds, without visiting a bank’s physical location.
08/11/2021
A recent study by SocialCatfish.com found a 156% increase in people under the age of 20 falling for online scams over the past three years, targeted by cybercriminals.
What are the Benefits of Using an ITM?11/01/2021
With our Interactive Teller Machines (ITM), you can do more than just withdraw cash and make deposits.
Most Popular Home Improvements (Infographic)04/08/2021
Home improvement spending has grown more than 50 percent in the United States over the last ten years. What home improvements are people spending their money on? Here are 10 categories that were the most popular.
Goal Setting to Grow Your Business in 202212/14/2021
Today’s business market is very competitive. You’re not only competing against brick and mortar stores, but online as well. This diverse market makes it paramount that you continue to evaluate your business.
What You Need to Know About Required Minimum Distributions10/01/2021
The IRS has enforced annual required minimum distributions, often referred to as RMDs, from many retirement accounts beginning at the age of 72. RMDs can be an important part of your retirement income strategy. Here’s what you need to know.