Value News Articles - RCB Bank Financially Fit

Simple Retirement Savings: Avoid Four Mistakes

By: Kelly Hutchinson | Category: Financial Services | Issue: December 2019

Saving money for retirement is extremely important and there are four common mistakes people make when it comes to this process. Kelly Hutchinson from RCB Bank explains how to prevent sabotaging your future self from having financial stability and freedom in your retirement years in this month's Financially Fit column. Read the full article at ValueNews.com.

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There is No Back-Up Plan

By: Mary Wood | Category: Financial Services | Issue: November 2019

The investments and money you save today will make or break your retirement opportunities. Your future self will thank you for making a plan now, and the sooner you start, the better. Mary Wood from RCB Bank highlights the importance of setting retirement savings milestones in this month's financially fit column. Read the full story at ValueNews.com.

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Home Appraisal Guide

By: Kenneth Wohl | Category: Financial Services | Issue: October 2019

Determining the market value of your home is an important step in the mortgage process and must be done by a licensed appraiser. This method protects the buyer from overpaying and is a key factor in determining how much money you may borrow when purchasing or refinancing a home. Kenneth Wohl from RCB Bank explains the Appraisal process and reasoning behind each step in this month's Financially Fit column. Find the details in the October 2019 edition of VALUES News Magazine and at ValueNews.com.

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What Businesses Need to Know About Ransomware

By: Stacy Dunn | Category: Financial Services | Issue: September 2019

Ransomware is a computer virus or malware that threatens to publish or block access to your data unless a ransom is paid. Hackers target valuable information such as money, trade secrets, intellectual property, personal information, or customer records. Stacy Dunn, the information security analyst at RCB Bank, explains how to minimize the risk of being attacked and recommends what to do in the case of an attack in this month's Financially Fit column. Read the full article in the September 2019 edition of VALUES News Magazine and at ValueNews.com.

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The Value of a Banking Relationship

By: Jocelyn Wood | Category: Financial Services | Issue: August 2019

ATMs and online banking are great, but technology can't compare to the value of a banking relationship. Whether you're a new or seasoned business owner, building a relationship with your banker has many benefits, from being able to identify potential financial issues, planning long term investments and purchases, and bridging connections for different services. This allows you to focus on your priorities while letting the financial experts help you see the big picture and help maximize your efforts. Read the full article in the Financially Fit column in the August 2019 edition of VALUES News Magazine and at ValueNews.com.

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Q&A: Accepting Gift Funds

By: April Bow | Category: Financial Services | Issue: July 2019

Are you looking for financial assistance on a mortgage, but aren't sure about the laws and policies regarding gift funds? April Bow from RCB Bank answers the frequently asked questions about that topic and outlines the step-by-step process to help protect you legally and financially in this month's Financially Fit column. Read the full article in the July 2019 edition of VALUES News Magazine and at ValueNews.com.

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A Retirement Guide for Ages 50+

By: Joe Langley | Category: Financial Services | Issue: June 2019

For those who are approaching retirement, planning an income strategy is important to make sure you don't run out of money. This is a balancing act between the income lifestyle you desire and the fund stability you need. Joe Langley at RCB Bank shares his step-by-step process to help maximize your retirement savings, including the 4% rule, 401(k) contributions, and more. Read the full story in the June 2019 edition of VALUES News Magazine and at ValueNews.com.

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Is Loan Protection Right For You?

By: Curtis Bales | Category: Financial Services | Issue: May 2019

When taking out a loan, everyone's worst fear is defaulting and losing their entire investment, but did you know there is a way to guarantee that won't happen? Curtis Bales from RCB Bank explains how different types of Loan Protection and Credit Insurance work to keep your finances and assets secure in the event of an unforeseen circumstance. You don't want to wait until you're in a crisis to figure out how to make ends meet, so ease your stress and look into your options now. Read about these types of coverage in the May 2019 edition of VALUES News Magazine and at ValueNews.com.

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Simplify Homebuilding

By: Megan Boyd | Category: Financial Services | Issue: April 2019

Building a house is a two-loan process. First, you need temporary construction financing to cover the building costs. Then, you need permanent financing for your mortgage. There are several factors to consider when making these financial decisions. Megan Boyd from RCB Bank walks you through these steps in the April 2019 edition of VALUES News Magazine and at ValueNews.com.

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Catching Up Retirement Savings

By: Arnold Beevers | Category: Financial Services | Issue: March 2019

You've heard the advice to start saving for retirement in your 20s to reap the most benefits, but what about if you're 40? According to Arnold Beevers at RCB Bank, it’s crucial to plan a retirement income savings strategy that will provide adequate funds to cover you throughout your retirement years. Learn how to save up, balance your debt, and create a retirement plan in the March 2019 edition of VALUES News Magazine at ValueNews.com.

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Fraudsters Target Small Businesses

By: Stacy Dunn | Category: Financial Services | Issue: February 2019

Your business may be at risk of cyber attacks such as phishing, customer account compromise or vendor management intrusion. RCB Bank explains preventative measures you can take to reduce your risk of cyber attacks. They also offer cybersecurity business services for your workplace. Find out more in the February 2019 issue of VALUES News Magazine.

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A Proactive Approach to Check Fraud

By: Jocelyn Wood | Category: Financial Services | Issue: January 2019

Payments fraud is at an all-time high with check fraud as the most popular form of attack. Arm yourself with the help of RCB Bank.

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How to Avoid Delays in Your Mortgage Process

By: RCB Bank | Category: Financial Services | Issue: November 2018

Obtaining a mortgage requires a lot of documentation, multiple forms, financial records, third-party paperwork; not to mention multiple layers of inspection to verify your information is accurate. Financial changes during your loan process can invalidate paperwork and delay your loan closing. Here are four ways to avoid loan processing setbacks.

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Ways You Can Save at Closing

By: RCB Bank | Category: Financial Services | Issue: October 2018

Did you know closing costs vary between lenders? If you want to save the most money on your closing costs, it pays to shop around.

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Best Financial Advice

By: Jocelyn Wood | Category: Financial Services | Issue: September 2018

There is a saying that wisdom comes from listening to advice, so I asked bankers to share the best money advice they have received and the impact it has made in their lives.

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Sustainable. Responsible. Investing.

By: RCB Bank | Category: Financial Services | Issue: August 2018

Wondering what impact your investments are making? Ask your financial advisor for a portfolio review to see if your current investments include SRI companies.

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Payment Protection For Life's Unexpected Moments

By: RCB Bank | Category: Financial Services | Issue: July 2018

New cars can quickly depreciate in value causing your auto insurance to pay less than what you owe on your car loan. What happens when an accident totals your car? Who pays the difference between the insurance settlement and your outstanding loan balance? You do. Or, maybe not...

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Travel Planning Tips to Prevent Fraud

By: Jocelyn Wood | Category: Financial Services | Issue: June 2018

Tips to traveling while keeping your identity in check.

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CAUTION: IT IS A SCAM!

By: Jocelyn Wood | Category: Financial Services | Issue: April 2018

Wiring money is a way to send and receive money fast. It’s also a prime target for fraud.

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Talking Mortgage

By: Caylon Arundell | Category: Financial Services | Issue: March 2018

Lending officers have their own language. We try not to use unfamiliar jargon when working with customers, but “talking mortgage” is second nature to us. Let me clarify some lingo my customers have called me out on.

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A Bucket Approach to Investing

By: Mary Wood | Category: Financial Services | Issue: February 2018

The key to successful investing is setting clear-cut goals. Know what you want, the cost to get it and how long you have to save.

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The Number One Reason Why You Need to Use Text Banking

By: Kyle Head | Category: Financial Services | Issue: January 2018

You can use text banking to check account balances, transfer money between accounts and notify you when your balance falls below a specific dollar amount. You can pick and choose which alerts you want to receive. Smartphone and Wi-Fi not required.

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Upgrade Your Life

By: Jocelyn Wood | Category: Financial Services | Issue: December 2017

Changing your saving habits may require changing your spending habits, but the payoff – not worrying about paying your bills, taking a trip you’ve been dreaming of and retiring on your terms – is worth it.

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How to Outsmart Identity Thieves

By: Jocelyn Wood | Category: Financial Services | Issue: October 2017

Every two seconds there is a new victim of identity fraud.*

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Your Financial Footprint Leaves a Trace

By: Jocelyn Wood | Category: Financial Services | Issue: September 2017

Lenders use your FICO® Score as one tool to gauge the risk of lending you money. A high FICO Score may qualify you for better interest rates. I asked Lender Jake Dwyer, AVP at RCB Bank, what is the easiest way to maintain a good financial footprint?

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4 Essential Homebuying Tips

By: Kenneth Wohl | Category: Financial Services | Issue: August 2017

A home that fits your needs today may not later if you decide to have kids or change careers. Know your personal and family goals and shop with them in mind. Choose a home to grow in and one that will sell when it’s time to move.

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4 Ways to Save for Unexpected Expenses of Homeownership

By: Kyle Head | Category: Financial Services | Issue: July 2017

As a homeowner, it is reasonable to assume you will have, from time to time, repair expenses. When your fridge stops working, your roof springs a leak or you need to rebuild your privacy fence, how do you budget for these costs?

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Think You Can Outsmart a Scammer?

By: Kyle Head | Category: Financial Services | Issue: July 2016

There are 3.17 billion internet users worldwide. To put that into perspective, there are around 323 million people living in the United States, so if everyone in the U.S. used the internet that would be less than ten percent of internet users worldwide.

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How to Gift Shop and Stay Debt Free This Holiday Season

By: RCB Bank | Category: Financial Services | Issue: November 2015

It’s 6 a.m. on Friday and you’re storming through a department store to grab the best bargains of the season.

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How to Save on Credit Card Processing

By: Jocelyn Wood | Category: Financial Services | Issue: November 2017

To know if you’re getting the best deal from your merchant service provider (MSP), you first need a basic understanding of credit card processing and fees, according to Eddie Curran, RCB Bank vice president of business services.

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