Category: Banking

We’re Running a Special Today!

In my opinion, there are two types of Bankers, Relationship Oriented and Sales Oriented. If I asked you which one you would choose, most of you would probably say “Relationship Oriented.” Who wouldn’t want a Relationship over Sales? It even sounds better. Sales Oriented Bankers know that, so many of them put on a disguise […]

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Avoid Embarrassment

One of the reasons bank customers with checking accounts are willing to pay an average of $33 every time they have an overdraft is because they want to avoid embarrassment. Of course, average means that some Overdraft Fees are higher (as much as $39) and some are lower (around $25). Either way, that is a […]

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You Want To Put Money Where?

When I started in banking over 30 years ago, there was mainly one card that was used by customers. That was a credit card. Today with the decreased use of checks and the increase in alternatives to banking, there has been an increase in the types of cards available to customers. In addition to credit […]

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Is a Credit Union a Small Bank?

During my many years in banking I worked for several banks. Some were big, national banks and some were small, community banks. Some were service oriented and others were sales oriented. Some said they were service oriented but were actually sales oriented. Why would they say that, you may ask? Because a service focus is […]

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Love and Money Do Not Mix Well

In my humble opinion, “Until Death Do You Part” is associated with marriage and not other romantic relationships. What am I talking about you may ask? Sometimes boyfriends and girlfriends think they will be together forever, so they give each other privileges that I think should be reserved for marriage when there is a more […]

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Protect Your PIN Like Your SSN

It has always been important to protect your Social Security Number (SSN). It has become even more important with the increase in identity theft. You should keep your Social Security Card in a safe place, away from unsuspecting eyes, unless you need to have it for a specific purpose such as employment, account opening, or […]

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Looking For Love Can Cost Alot!

Graying hair, increased wrinkles, and slower steps are signs of aging and cause many to give more respect. Unfortunately, for others they are signs of vulnerability and opportunity. According to research millions of seniors are targeted for financial scams every year. That is so sad. There are several scams they fall prey to including funerals, […]

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Scam Alert! Shopper Beware!

Scams seem like they are becoming more prevalent. Or just when one seems to die down, another one pops up in its place. Scam artists prey on unsuspecting people, so if something seems too good to be true then make sure you ask questions and investigate. Otherwise, you may become the latest victim to a […]

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Check Registers vs. Online Banking Balance – How Much Money Do You Really Have?

Years ago I learned to do something that I would not appreciate until later. I learned how to use and to complete a check register. Unfortunately, learning how to use it did not help me to learn how to manage my money. It just let me know when I did not have any more money […]

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Life Insurance Beneficiary or Lottery Winner?

One of the saddest things for me to witness is someone who has passed away without life insurance but has a family who could have benefited from life insurance proceeds after the death. While the family is grieving, they have to find enough money to bury their loved one. Sometimes they have to move out […]

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