By: RCB Bank | Category: Financial Services | Issue: December 2020
While most of us know saving money is a good idea, we often struggle to save for the future. Saving is not a one size fits all solution, but building a savings plan for your future is an important step to becoming financially independent. Talk with a wealth advisor about your personal goals. Your future self will thank you.
By: RCB Bank | Category: Financial Services | Issue: November 2020
When banks tailor their products and services for business owners, they can be a powerful tool. “There are a lot of ways to do the same thing,” says RCB Bank Treasury Services manager Keith Moyer. After 25 years of helping businesses with their banking needs, Keith has learned that success is more than the products you offer.
By: RCB Bank | Category: Financial Services | Issue: October 2020
You may not feel comfortable getting your teen a credit card right now, but it is never too early to talk about the benefits and risks of having one. Help prepare them for their financial future, and start the conversation today.
By: RCB Bank | Category: Financial Services | Issue: September 2020
In today's world, it's easy to be one of many customers, but there is opportunity to be so much more. Community banks provide a perfect example. When choosing your bank, look for one that treats you like a member of the family.
By: RCB Bank | Category: Financial Services | Issue: August 2020
Life often takes place outside business hours. Need to transfer money into your account before dinner? No problem. At a soccer game and need to make sure the electric bill is paid? Check it instantly. You can also avoid late fees and set up automatic, recurring bill payments. The more time you save banking, the more time you can spend with your family, kids, friends or partner.
By: RCB Bank | Category: Financial Services | Issue: July 2020
The more you know, the better your decisions.
By: RCB Bank | Category: Financial Services | Issue: June 2020
It’s a good habit to annually review your monthly expenses, looking for areas where you can cut costs. An easy start is to ditch disposable items. Clean with rags rather than paper towels or cleaning wipes. Before grocery shopping, plan out your meals, check your cabinets for what you already have, and buy only what you need.
By: RCB Bank | Category: Financial Services | Issue: May 2020
Many parents teach their kids the value of hard work by paying them for chores. You can take this a step further by talking about what they can do with their hard-earned cash. Before you go to the grocery store, make a budget and shopping list of the items you need. Then have your kids guess the cost of different items. When you get home, compare the receipt with your shopping list and discuss the differences. Click to learn more.
By: Mary Wood | Category: Financial Services | Issue: April 2020
Compounding is a powerhouse tool when it comes to building wealth. When you put money into an investment account, you earn a varied rate of return on the balance. If you leave your money in the account, it can grow. Learn more at ValueNews.com.
By: Mary Wood | Category: Financial Services | Issue: March 2020
When do I begin planning for retirement? How should I invest my tax refund? Is there someone near me that is the best person to help me with investments? Be smart with your assets. The best wealth management help is like a financial engine when investing your money. RCB Bank has well know experts who are certified investment experts who are considered as some of the 'best of the best.' If you don't already have a plan for how to use your tax refund, stretch your dollar even further for your future financial well-being with a savings investment. A 529 Education Savings Plan is ideal if you're planning on going back to school or saving up for your children's tuition. A 401(k) Plan is offered by some employers to help accumulate savings for retirement. If your employer does not offer a 401(k) Plan, a Traditional IRA or Roth IRA might be the best solution for your retirement plan. Mary Wood at RCB Bank shares her investment and savings expertise in this month's Financially Fit column at ValueNews.com. Locations throughout Oklahoma. See RCB Bank's Financially Fit column monthly in Values News Magazine and Valuenews.com in Tulsa, Broken Arrow, Owasso, Collinsville, Bixby, Jenks, Sapulpa, Claremore, Catoosa, Inola, Oologah, Chelsea, Grove, Bartlesville, Muskogee, Pryor, Locust Grove, Skiatook, Sperry and throughout northeastern Oklahoma.
By: Kelly Hutchinson | Category: Financial Services | Issue: February 2020
Imagine your retirement fund as a well-balanced four-legged stool, with each leg representing a funding source to build a sturdier retirement savings plan. The four legs include an employer plan, social security, personal savings and retirement income. However you go about it, you have to sit on your retirement stool, so make it sturdy enough to hold you during your retirement years. Learn more in this month’s Financially Fit column at ValueNews.com.
By: Kelly Hutchinson | Category: Financial Services | Issue: January 2020
Planning toward a financially secure retirement requires different steps depending on your age. The sooner you start saving, the longer your money has a chance to grow with compounding interest. As you get older, the temptation to raid your retirement savings to help fund your children’s college or to provide care for aging parents may be very real for you. Kelly Hutchinson from RCB Bank outlines a list of questions to ask yourself in order to maximize your retirement planning efforts in this month's Financially Fit column at ValueNews.com.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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...
By: Jocelyn Wood | Category: Financial Services | Issue: June 2018
Tips to traveling while keeping your identity in check.
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.
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.
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.
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.
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.
By: Jocelyn Wood | Category: Financial Services | Issue: October 2017
Every two seconds there is a new victim of identity fraud.*
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?
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.
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?
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.
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.
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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