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As I am sure most of you are aware, Valentine’s Day can get expensive, but we are here to help you save some money with some tips and tricks for this upcoming holiday. When one thinks of Valentine’s Day, they usually think of flowers, jewelry and chocolates, but with a little creativity (and our help), there are several thoughtful alternatives to show your loved ones you still care by breaking the mold and not your bank account.
When living in such a gorgeous location like the Hudson Valley, you should always take some time to enjoy the scenery and get involved with some fun activities for every season. Now that winter’s here, it’s time to go out, enjoy the snow, and get into some holiday activities!
Black Friday. Small Business Saturday. Cyber Monday.
That screaming you hear may just be coming from your wallet after what is traditionally the biggest shopping period of the year. While it certainly does make you feel good to get the perfect gifts for those you love during the holidays, it’s important that you manage your debt this time of year so that you don’t experience the post-holiday shopping blues.
Here we are again! The holiday season is upon us, and for most of us that means family, food, and shopping! And quite a lot of it. It seems that each year those Black Friday special deals are promoted earlier and earlier, so much so that you can’t even keep track of when to get what.
Establishing and building credit are very important parts of one’s financial well-being. A solid credit history, among other things, is an important factor that is usually considered when a consumer is applying to borrow money. Credit scores and your credit history can impact your ability to borrow money in a number of ways, including when buying a car, opening a line of credit, buying a home, and so on. What exactly impacts your credit? According to credit bureau Experian, there are 5 key factors to consider:
We have all heard it many times - to make money, you need to spend money. Like many small businesses, you might be finding yourself at the point where you find it necessary to borrow to continue to grow. Are you looking to purchase new equipment to increase inventory? Are you in need of a new or bigger commercial vehicle? When it comes to growth or borrowing funds, one of they key components to making it a beneficial business decision is timing.
About a week ago, I had the opportunity to help our Human Resource Department at a local college career fair for students. With the original expectation that conversations would be geared around salary ranges, scheduling, or benefits, I was quite surprised to find out that they were actually more often centered around students being “just curious” because they were not sure what they wanted to do upon graduation, or asking me “Well, why do you like to work at Rhinebeck Bank?” It was at that point I recalled talking to Rhinebeck Bank at the start of my own career, also being introduced at a college fair and thinking the very same thing - younger adults do not know exactly what they want.
Having Merchant Services allows your business to accept customer debit and credit card payments (including Visa®, MasterCard®, American Express®, etc) at point of sale transactions. With debit and credit cards being a major spending preference among customers today, there are several benefits to consider:
When it comes to how people prefer to use, or not use, the latest banking technology, there are well-worn stereotypes out there based on your age and what generation label comes with that age. For example, seniors (i.e.: the “Greatest Generation” - born in the early 20th Century) avoid technology and prefers going to their local bank branch to conduct transactions or for advice. Baby Boomers are willing to try technology, but still prefer to use branches when possible. Generation X is rather tech-savvy – they enjoy the convenience of online banking, for example. Millennials and “Gen Z”, who were born into a world of instant access and on-the-go information (courtesy of smartphones), prefer banks that have a robust mobile app over having to conduct business via a bank branch.
The internet can be a great asset, but can also leave you vulnerable to identify theft, fraud, and other scams. It is important to always be aware of the ways to be safe and secure online, and we have five quick, easy tips that are essential to follow and can make all the difference!
USA Patriot Act
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