Every farm owner knows that, at some point, they are going to experience challenging times. The causes can run the gamut from falling dairy prices to avian flu to new environmental regulations. No matter the cause, the good news is that there are steps farmers can take. Here are 10 tips to help not only survive but thrive through tough financial times.
Borrowers looking to apply for a Home Equity Loan or Line of Credit are likely to hear the term "second mortgage" at some point as they are shopping and applying for a loan. Although a common term, it's one that is often open for misinterpretation. In our latest blog, we review this terminology and bring clarity to it.
Every year, millions of consumers fall victim to cybercrime. According to the FBI’s Internet Crime Complaint Center, in 2014, consumers lost more than $800 million from scams initiated through the web. In recognition of Internet Safety Month in June, Ephrata National Bank is highlighting seven tips to help consumers protect themselves from online fraud.
As you grow older, your housing needs may change. Maybe you'll get tired of doing yardwork. You might want to retire in sunny Florida or live close to your grandchildren in Illinois. Perhaps you'll need to live in a nursing home or an assisted-living facility. Or, after considering your options, you may even decide to stay where you are. When the time comes to evaluate your housing situation, you'll have numerous options available to you.
At one time, the only way you could join your company's 401(k) plan, 403(b) plan, or 457(b) plan was to put pen to paper and sign yourself up by filling out the appropriate forms. Now, though, in an effort to help participants increase their retirement savings, some employers have begun enrolling their employees automatically. With automatic enrollment, you don't fill out a form to opt into your company's retirement plan; you only fill out a form to opt out of it.
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Let’s face it, life can be expensive. Even with the best planning, you will still have times where you will need to borrow money. Here are some of the most common things, outside of home improvements, that might require a loan to finance a portion or all of the expense.