Individuals and businesses have become targets to a growing online fraud scheme known as ransomware. Ransomware is a form of malware used by cyber criminals to freeze your computer or mobile device, steal your data and demand a “ransom” — typically anywhere from a couple of hundreds to thousands of dollars — be paid.
A college education is associated with increased earnings, fewer periods of unemployment, and greater job satisfaction.[1] However, paying for college without incurring debt remains a challenge. Tuition, fees, and living expenses often surpass the amount set aside in college savings plans or available through federal and state grant programs. For many students, scholarship opportunities are limited, leaving loans as the…
Ephrata National Bank announces the promotion of Christian Heckman as Vice President and Commercial Lending Team Leader. In this role, Heckman will be responsible for managing the sales activities and overall job performance of the Commercial Relationship Managers and Commercial Portfolio Managers. He has spent 15 years in banking, most recently as Ephrata National Bank’s Assistant Vice President and Commercial…
Ephrata National Bank announces the promotion of Eric Williams as Senior Vice President & Chief Lending Officer. In this role, Williams will be responsible for the Commercial and Agricultural Lending functions of the bank including, but not limited to, the sales activities. He has over 36 years of experience in banking, most recently as Ephrata National Bank’s Vice President & Commercial…
Ephrata National Bank announces the promotion of Matthew Long as Senior Vice President & Chief Operating Officer. In this role, Long will be responsible for the directing, administering and coordination of the internal operational activities of the bank. Long has over 23 years of experience in banking, most recently as Vice President, Director of Cash Management. Long is a graduate of Grove…
Ephrata National Bank announces the promotion of William Sanchez as Vice President and Commercial Lending Team Leader. In this role, Sanchez will be responsible for managing the sales activities and overall job performance of the Commercial Relationship Managers and Commercial Portfolio Managers. He has over 20 years of experience in banking, most recently as Vice President and Commercial Relationship Manager…
There is no one-size-fits-all approach to marketing and for many producers, it can be the worst part of the job, but having a plan in place will take some of the risks off the table. We recommend the following to help producers tackle the complicated task of marketing: Know your break-even costs. Factor in all of your costs including input…
A mortgage loan can turn the dream of homeownership into a reality. Completing a mortgage loan application, gaining loan approval, and closing on the loan are necessary steps before unlocking the door to your new home. But, the mortgage process is about much more than meeting these critical milestones.
If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools you can use to achieve your estate planning goals, but a will is probably the most vital. Even if you're young or your estate is modest, you should always have a legally valid and up-to-date will. This is especially important if you have minor children because, in many states, your will is the only legal way you can name a guardian for them. Although a will doesn't have to be drafted by an attorney to be valid, seeking an attorney's help can ensure that your will accomplishes what you intend.
Even with all of your savvy college shopping and research about financial aid, college costs may still be prohibitive. At these prices, you expect you'll need to make substantial financial sacrifices to send your child to college. Or maybe your child won't be able to attend the college of his or her choice at all. Before you throw in the towel, though, you and your child should consider steps that can actually lower college costs. Although some of these ideas deviate from the typical four-year college experience, they just might be your child's ticket to college — and your ticket to financial sanity.
