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So far Eric Gagliano has created 30 entries.
19 07, 2016

Home Improvement

They say that you shouldn’t take your work home. But, after spending all day in the construction zone of our Kettering branch remodel, I can’t help it.

All day long it’s, “What color should the walls be?” “How can we squeeze another office into this space?” “Is the conference room big enough?”

I guess that I Read More

12 07, 2016

Mid-year financial check up

Mid July: time to check-in on your goals for the year!

In business, we are checking in on our goals monthly, weekly, even the more focused of us do it daily. How about your personal goals?

Did you make a plan for the year? Did you make a SMART goal?

I plan to take a trip to Read More

5 07, 2016

Interest Rates – the new normal

Borrowers love low interest rates and savers love higher rates. So many people who responsibly saved money remember fondly those days when savings accounts and certificates yielded 5% or better. The interest rate environment changed a great deal since those days. The Federal Reserve Bank managed short term rates down to zero (they called Read More

21 06, 2016

Parents After Graduation

It is officially Graduation time. It is a time to celebrate young adults achieving their goals and encouraging them to strive for their dreams. Proud parents we are and will continue to be.

But what now?

For the past 18 years our lives have revolved around our children and their activities.   Now there is empty spots Read More

7 06, 2016

Mobile Banking App Security: Beware the Evil Apps

Mobile banking is incredibly convenient. It’s no surprise more and more consumers are downloading apps to take advantage of that “bank anytime, anywhere” convenience. So if you’re going to download a mobile banking app, protect yourself. Internet bad guys are constantly improving their criminal software for Android smartphones. In the last few months, they Read More

31 05, 2016

Buying a new home? Let us help you!

Buying a New Home? It’s Never Too Soon to Prepare!

So, you’ve been thinking that maybe it’s time to stop paying rent and buy a home of your own? Let us give you some pointers so your finances are in good shape and you can concentrate on enjoying the search!

Begin or continue a savings program

You Read More

24 05, 2016

Are you saving? Here are some tips to help.

Recently I was discussing “saving” money with a friend. The definition of saving is:

Process of setting aside a portion of current income for future use, or the resources accumulated in this way over a given period of time.

You aren’t really saving money when you purchase something at a discount. You are if you put Read More

17 05, 2016

12th Annual Patriot Freedom Festival

As Memorial Day approaches, we are inclined to reflect upon the true meaning of the national holiday. Memorial Day was originally established as Decoration Day in 1868, as a time for the nation to decorate the graves of soldiers who had perished during the Civil War with flowers. Maj. Gen. John A. Logan declared Read More

10 05, 2016

How much is too much debt?

How much is too much debt?

Seems like a silly question doesn’t it? “No debt,” would be the obvious answer, but unfortunately that is not a realistic goal for the majority of people. A report from Nerd Wallet in 2015, stated the average household credit card debt is over $15,000 in credit cards, and $130,922 Read More

19 04, 2016

Private Student Loans

Finding the funds to pay for a college education can often be challenging process.

First check with your college or university to see if you may qualify for any type of scholarship, then check with the FAFSA (Free Application for Federal Student Aid) website https://fafsa.ed.gov/ to determine if you qualify for financial aid assistance in the Read More