Category Archives for Personal

Did you get a tax refund this year? Here are 7 smart ways to use that money.

According to the IRS, the average tax refund for 2012 was $2,803. With tax season just past and the majority of Americans having received money back, what can you do to wisely manage this influx of cash? Pay down debt This is not how most consumers want to spend their refund, but paying off your […]

The Small Bank Advantage: Service over Services

Looking for a new banking relationship? Choose wisely. Financial institutions are not “one-size-fits-all.” Ask yourself: What are you looking for in a bank? Dig deeper. What services are important to you? Most all banks offer similar products and services. But that’s where the similarities stop.   What do you value? Convenient access to branches, no matter where […]

Making Resolutions Stick in Seven Steps

  New Year’s Resolutions are made to be broken. We resolve to save more. Spend less. Quit smoking. Get fit. Instead of sticking with those lofty goals, we stink at them. Half of us make resolutions. But a week after the ball drops in Times Square, a quarter of us have already dropped the ball! […]


The car dealership that intimidates you throughout the year is more like Santa than the Grinch during the holidays, gifting the ride on your wish list at a big discount courtesy of manufacturer’s rebates and hard-to-pass-up finance deals. But does this wisdom ring true? YES and NO. With the new year a few weeks away, […]