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The first Automated Teller Machine (“ATM”) in the U.S. opened in New York City on September 2, 1969.This original ATM was designed to dispense cash when a valid plastic card was used. By the 1980’s ATMs became widespread, handling many transactions that human bank tellers could perform. ATMs went on to revolutionize the banking industry.
As many of you know, there are criminals out there looking to get your personal information and steal your money. There are dozens, if not thousands, of people illegally attempting to steal your identity, obtain access to your gift cards, or fraudulently access your money in many different ways. Dont be a victim this holiday season!
When it comes to buying a new car, many people ONLY look at the monthly payment. They don’t always pay attention to the price of the car or how much that car may cost in total.
Have you ever received a phone call and wondered if it might be fraud? For instance, someone claiming to be a representative with Microsoft saying your computer has viruses? Or maybe, a call from the IRS saying you owe them money and if you don’t pay you will be arrested? Have you recently received an email or letter saying that you are the lucky winner of a lottery?
Over the course of any given month there are dozens of transactions going in and out of your checking account: direct deposits posting from your employer, your mortgage or rent, utility bills, car loans, insurance and other payments are withdrawn. There are also groceries to buy, dinners out, a gas tank to fill and perhaps a trip to the movies or shopping online. Do you know the true balance in your account before you spend money or do you just wing it?
I am often asked, why should I bank at Rhinebeck Bank?
Upon reflection, I have distilled my response to a few key points:
Whether you are a high school student looking for your first job or a seasoned professional looking to make a job change, you should remember your career path is up to YOU. Many candidates take a position because it was offered. Just because a position is offered to you does not mean you have to take it. Ask yourself these questions:
Maybe you are interviewing because you just graduated from college. Maybe you are interviewing because you want a career change. Maybe you are interviewing because you were recently laid off. Whatever your reason, interviewing for a job can be stressful. You can help calm your nerves with the motto “Be Prepared”.
Let’s face it; The Weather Channel© has changed all of our lives. We watch live minute to minute updates of weather patterns and storm fronts. Experts try and predict events for the next half hour to the next 10 days, to years in the future. They consider longer term cause and effect (El Niño comes to mind) to try and identify what type of seasonal weather we will have. We need the forecasts to help us plan our day, month, and season. Do we bring an umbrella today? Do we buy a new snow blower? When should I plant the tomatoes?
Have you ever heard this one? “It’s not worth refinancing unless you are going to drop your rate by 2%”. It is generally preceded by “my parents told me”…
I cannot tell you how many times I have heard that in the past 13 years. So, where did the notion of the 2% threshold to refinance come from? It is driven by the average sales price of a new home. Let’s do the math.
USA Patriot Act
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