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In 2017, Rhinebeck Bank’s Retail Banking department began rolling out their Universal Banker program in the branches with the goal of providing you with the best service possible. There is no longer the notion of “John Doe is out to lunch – can they call you back?” The objective of this program is to make sure our customer’s service and experiences are as seamless as possible, and that they can be assisted by the same employee throughout their transaction. Former Tellers and Relationship Bankers have transitioned to this Universal Banker role.
I truly treasure my annual summer vacation with my family! It’s something I look forward to each and every year! For some of us it’s a house in North or South Carolina, or a trip to the jersey shore, and for others it’s a once in a lifetime trip to Disney, the Caribbean or even Europe! Wherever your trip takes you this summer, start saving now so you can spend later.
When searching common interview questions, one that often appears is the question “What motivates you”? Articles suggest be honest but keep your audience in mind. That’s good advice because you are on an interview, often making a first impression and ultimately (probably) want the job for which you are interviewing. Some suggested answers are “I am motivated by… the desire to meet a deadline, mentoring others, learning new things”. These are acceptable answers, but don’t really say much. You need to be able to drill down to the real motivation behind the superficial answers.
Everyone struggles with saving money and budgeting to their lifestyles. It is important to know that anyone can successfully get back on track and become financially stable. This may not come easy to some, but there are several tips and tricks you can utilize that will help you start saving money today!
First I would like to start by discussing some of the basics that some of us are already aware of, or have heard before. These are essential to understanding your personal finances.
We are often asked about GAP insurance: what is it, what does it cover, do I need it? GAP insurance is a product that covers you for the difference between what your insurance company may pay the bank in the event of a total loss and the balance you owe the bank on a car loan. For example, if you owe the bank $20,000.00 and you total your car, if the insurance company pays $17,000.00 based on the retail value of your car, you are “upside down” by $3,000.00. Even if you pay your deductible of $500.00, you still need to pay $2,500.00 for the deficiency or the “GAP” between what the insurance company has agreed to pay and what you owe. Scenarios like this are quite common these days and in many cases, we see deficiency amounts much higher due to people financing for longer terms, as well as the depreciation of vehicles, etc.
This question often comes up, especially in light of recent security breaches at various merchants. The short answer is yes, a Debit Card is just as safe as a credit card. However, there are differences that you should be aware of.
Each has their advantages, and possible disadvantages. This has to do with your intentions for using each card.
It’s the time of the year to look back on the past year, reflect on our successes, and find areas where we can improve. While developing your personal resolutions, it is wise to come up with some career resolutions as well.
There is no substitution for doing your job well. In order to succeed in your career you must have the skills and knowledge to do your job efficiently and correctly. That said, attitude goes a long way. Most people would much rather work with a competent person who is a pleasure to work with over a miserable superstar any day.
So here are some things you can resolve to do in the New Year in order to be successful both in your career and in your office relationships.
Unless you have purchased a newly constructed home there is always some uncertainty regarding previous “events” in a home. In the past, real estate transactions were based on “Caveat Emptor” (Let the buyer beware). Over time, however, certain exceptions have been established by New York courts that help protect buyers by increasing a seller’s risk of responsibility for undisclosed defects.
These days there are so many avenues to buy products online, but what about a car? In this era, shopping online for a car is becoming commonplace. You can easily scan through numerous options without having to drive around to multiple dealerships looking for what you need. There is even an assortment of websites that cater to online car sales. If you decide to shop online for your next ride, be sure you still check out your final selection in person. You can buy a car online but unlike a pair of shoes, you can’t return it if it doesn’t “fit.” Generally speaking, a car is one item that once you have purchased it, you’re stuck with it.
I have spent nearly 15 years consulting borrowers on mortgage financing. In that time, I have seen a great number of scenarios and questions come up after people have received their pre-approvals. Some issues have derailed their plans for a new home while some small mishaps have been easy to navigate around. All of them, however, have caused additional documentation and worst of all, additional time in the process! Let’s look at a few do’s and don’ts to keep in mind AFTER you receive your pre-approval.