Summer Responsibility: Kids and Chores

Assign chores based on abilities. Making the bed is a great chore for any tween.

Assign chores based on ability. Making the bed is a great chore for any tween.

Summer is the perfect time to teach your kids responsibility by having them do chores. Along the way they will also pick up valuable life skills they can carry with them as they grow up. You may think your child is too young to do housework or that you would prefer them to “just be kids” instead of worrying about chores. All the same, you might be surprised at how much even your youngest child can do and what an impact a little responsibility can have on their life.

Before you start there are some things to think about. First of all, never treat chores like a punishment. You want your kids to take pride in even the smallest job they complete and to not view this work as a hardship to endure.

Here are some other tips to starting your child on the right foot when it comes to chores.

Assign based on abilities – Every member of the household has something to do. For your littlest kids, it may simply be putting away their own toys and putting dirty laundry in the hamper. A five year old might make their own bed, put away clean clothes and help you make their lunch. Older kids might help with laundry, do dishes, help cook or set the table.

Teach teamwork – Assign chores to everyone in the family and teach your kids how much easier it is to keep up with work around the house when everyone contributes. Also identify ways they might work together to finish a job even quicker. For example, one child might wash dishes while the other one dries and puts them away.

Try to make it fun – Let’s face it. Most of us spend a lot of time every day cleaning, cooking, doing laundry, maintaining vehicles and doing other types of household work. You will be doing your child a great service if you teach them to find ways to enjoy doing this kind of work. Make it a game, tell stories, listen to music, dance – do whatever you can to make the chore seem less like drudgery.

Create quality time – Refer to the point above. If your kids are young, they may need some adult supervision. But instead of making it feel like supervision, try to make it time well spent teaching your kids and having fun together. For example, a four year couldn’t do laundry by themselves. However, they do know their colors. Make a game out of sorting colors and whites together!

Relax your standards – Your daughter may not make her bed perfectly every time and your son may put away glasses with spots on them. That’s why you need to relax your standards a bit, accepting everything will not be done perfectly every time. Take the opportunity to teach them how to improve their skill and don’t get angry when it isn’t perfect.

Be specific – Break down a job into steps to make it easier for your child to understand and complete.

Create a routine – Kids respond well to a little structure in their day so create some kind of routine for them to follow. For example, they should make their bed when they get up or load the dishwasher right after dinner. Give them a daily chore and request that it be done at an assigned time every day.

Reward good performance – Tell your child when they do something good. Consider giving your kids an allowance for their work or create a chores chart that offers a reward for so many jobs well done. Children tend to respond well to praise and to rewards. They are just like the rest of us – they perform better when they feel appreciated. If they are earning money for their work, remember to teach them some good money habits along the way. Need inspiration? Read more on this topic here.

One more note, if your kids are cleaning, make sure they are not handling toxic cleaning products. Look for kid-friendly products that are safe for the skin and body.

Home Ownership Starts Here

Home Ownership Starts Here Billboard (FBBC Digital)

Home Ownership Starts Here.

That’s the message on our billboards and much of our advertising this summer. It’s also a sentiment close to the heart of who we are as a bank. We have teams of people working hard to make your home buying process a success because we know it is important to you. We do our best to help as you start down the road to home ownership and all along the way.

Did you know that we’ve been in business for 148 years? We know a thing or two about financing homes. In fact, we have several mortgage lenders at VCNB with 30 or more years of experience. One thing we’ve learned in the last century and a half is that buying a home can be a stressful process for the prospective home owner. That’s why our lenders work diligently to provide tailored solutions that fit your needs and your budget, to put your mind at ease.

A small amount of customers have a type of loan in mind when they initially meet with their mortgage lender. They know that they prefer a fixed rate, would like to finance through an FHA loan or would like to look into shorter terms. However, most customers have no idea about the type of loan they would need to finance their home. All they know is that they found a home that is perfect for them and they want to buy it. Either way, by choosing VCNB, you can be sure your lender will work hard to find you the best loan for your individual home purchase.

In short, we are your one stop shop for a custom home financing experience, unique to you. Contact one of our experienced lenders today to talk about starting your home ownership the right way, the VCNB way. Prequalify by clicking here.

Protect Yourself From Online Account Takeover

This article provided by Beavercreek Marketing, a division of Beavercreek Inc. Find more articles by Beavercreek in the Learning Center at our website.

Criminals have their eye on your financial accounts. They want access.
Call it a takeover attempt – a HOSTILE takeover.

Account takeovers happen when the wrong people dig up enough of the right private information about you to gain access to your checking or savings accounts. Then they strike – either moving big chunks of your money at once, or small amounts a bit at a time … hoping you don’t notice.

What’s happening is a form of identity theft … because the more that bad people know about you, the easier it is for them to access your money.

We’re used to sharing a lot of information about ourselves these days –experts say we share too much – and that makes us easier targets for takeovers.

Here are some things you can do to protect personal information to help battle takeover attempts:

  • Don’t fall for fake information requests. Financial institutions will never call, email or text you out of the blue asking for online banking information such as user names, passwords or pin numbers.
  • Use safe passwords – the kind that mix numbers and upper and lowercase letters – and don’t write them down in places people can easily find them. Experts recommend that you don’t use the same user name and password for everything – because if someone figures one out, they have access to other types of accounts you use. It’s a smart idea to have different passwords for different types of accounts.
  • Think twice about what you share on social media. Posting things like your telephone number, address, birth date and year can be used in the wrong ways to find out more about you. And don’t publicly share other information – such as your mother’s maiden name – that you might be using as answers to the ‘secret’ questions sites ask you for account verification. The less some people know about you, the better.
  • Be careful when banking or making purchases from public computers – and make sure you always sign out of any account you’re using.

You also need to stay alert … and check your financial statements regularly to make sure your money is safe.

Here are some things you can do to spot a possible takeover:

  • Watch for transactions you don’t expect – such as purchases or withdrawals you didn’t make. Contact your financial institution immediately if you spot this when checking either your online or paper statements. If you have online statements, it’s wise to check them frequently.
  •  If a merchant says your debit card has been turned down, call the number on the back of the card to report the problem and explain what happened. This could be a sign that someone else has access to your account.
  • Check your credit report regularly to look for things like unexpected loans or missed payments. You can do this for free by going to annualcreditreport.com and reading about what you can do.

Think smart and stay alert … both are great defenses against account takeovers.

What’s Your Next Step?

Next Step 160x600 Audience Network (VCNB)

We have been busy talking about next steps here at VCNB. Everyone has a next step in life. Maybe it’s a huge step like getting married, starting a family or buying a home. Maybe it’s a small step like the bathroom remodel you have been planning for years. Perhaps it is a far off step like retiring or becoming an empty nester. As we look around the VCNB Financial Family we see people taking next steps every day: babies, promotions, military service, weddings, retirements, new homes, smaller homes, new hobbies, children going off to college, and adults going back to school. There have been some unhappy next steps along the way as we have said goodbye to parents, siblings and mentors as well. While we hope all your next steps are happy, the good and the bad are all a part of life. With this in mind, we want to be with you along the way for whatever your next step in life is, no matter where it takes you. Home loans, savings accounts, cutting edge services and good old fashioned customer caring are some of the things we do every day. Plus, for a while we are offering you a chance to earn money for becoming our customer. Now through June 30, you can get $100 for opening a new checking account with a debit card. You can also earn $50 for opening a new savings account. These accounts can be opened online or in any of our seventeen branches. We also want to help some neighbors in need as they take their next steps. That is why we will donate $10 for every qualifying checking or savings account opened during the promotional period. The money will be shared by two charities – Sojourners of Vinton County and Maywood Mission of Lancaster – to purchase shoes for people in need. We will donate up to $1,000 at the end of the promotional period.

Next Step Promo Terms and Conditions_Final

Click Image To Enlarge Terms and Conditions.

Click the terms and conditions at right to view a full screen description of complete details. Visit www.vintoncountybank.com for account information or to get started opening an account. You can also stop by any one of our seventeen branches to speak with an expert and open your new account today. Are you thinking about your next step? Comment below to tell us what it will be! We are excited to hear your stories!

Teaching Children To Save

Thanks to Central Elementary Principal Teresa Snider for hosting us during Teach Children To Save Month!

Thanks to Central Elementary Principal Teresa Snider for hosting us during Teach Children To Save Month!

Every spring our McArthur office sends people into the elementary schools in Vinton County to talk with third graders about saving money. We do this because April is Teach Children To Save Month and because teaching these basic principles to young people is one way to give their personal finances a great start.

Teach Children To Save is a national program that organizes banker volunteers to help young people develop a savings habit early in life. We typically speak to third grade students and their teachers at West, South and Central elementary schools in Vinton County.

We talk to the kids about what a bank does and why someone might need to do business with us. We talk to them about savings accounts, why they might someday want to borrow money and even how a bank does business.

We also tell them a story and help them with a math worksheet, demonstrating how one child saved money for something she really wants while another child spends her money on small items instead of saving for the big goal. At the end of the lesson we talk about whether it is better to be a spender or a saver and then answer all their questions about banks and about that day’s lesson.

It is a thought provoking day for both the students and their banker teachers. We often marvel at the questions these young students ask and look forward to the school visits every year.

Staff from our Friendly Bremen Banking Centers also visit schools in their area for similar programming every spring.

Are you a teacher or a principal? Would you like to have a banker visit your students? Contact us so we may make arrangements!

VCNB Receives Financial Education Innovation Award

We simply couldn’t be more excited. Yesterday VCNB was recognized with an incredibly prestigious award and we can’t wait to tell you about it.

VCNB was honored to receive the Innovation in Financial Education Award presented by Nasdaq and EverFi. The award recognizes its significant efforts to improve the financial capability of young Americans. Only twenty-five financial institutions were honored with this distinction at a ceremony hosted Tuesday at Nasdaq’s Marketsite headquarters in New York City.

Honorees were selected based on a set of criteria that included the scale and reach of their financial education initiatives, the duration of their commitment, and unique employee volunteering activities that supplement their programs.

“The institutions we’re recognizing here today have led exceptional efforts to rethink how financial education is taught in our nation’s schools,” said EverFi Founder and CEO Tom Davidson. “Our global competitiveness is dependent on the next generation understanding how the economy works and how to achieve financial security in their lives. We are grateful to the organizations that are helping pave a brighter future for students today.”

As young adults are faced with increasingly complex financial decisions, VCNB is committed to providing students with the skills and knowledge needed in order to succeed. VCNB has partnered with EverFi to bring the financial education program Financial U to local students at no cost to schools or taxpayers, reaching over 1200 students since 2012. The web-based program uses the latest in new media technology – simulations, gaming and adaptive-pathing – to bring complex financial concepts to life for today’s digital generation.

VCNB offers EverFi’s Financial U at Logan, Chillicothe, Southeastern, Circleville, Teays Valley, Canal Winchester, Berne Union, Watkins Memorial, Vinton County and Fairfield Union high schools.

VCNB Vice President of Marketing Audra Johnson called this a proud day for VCNB. “We are honored to accept this award for Financial Education Innovation from Nasdaq and EverFi. This is a very proud day for us and hopefully for the ten schools that participate in our Financial U program,” Johnson said.  “Financial U is intended to help students become more self-aware and smarter about their financial decisions and thus far, it has proven its worth.  It is all about helping our local youth prepare for their future.”

A FINRA-funded study released in February 2015 found that students who received rigorous financial education in high school saw increased credit scores and decreased chance of credit delinquency as young adults, compared to their peers who did not receive financial education.

Administered by teachers in a classroom setting, the web-based course offers over six hours of programming on a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k’s and other critical concepts that map to national financial literacy standards. The platform uniquely tracks the progress and performance of every student.

VCNB has long been a supporter of financial education in local schools. Staff members frequently visit students in local schools through Teach Children To Save programs, Get Smart About Credit, Bremen Banking Days and several other events.

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Business Spotlight: Improving Health In Fairfield County

We understand that being a small business owner is tough. That’s why we plan to spotlight a different business each month to help you learn about unique businesses in your own back yard.  

In a world where time and money are at a premium, the YMCA in Lancaster is making it easy and affordable for people of all ages to achieve their physical fitness goals. The Robert K. Fox Family YMCA helps strengthen the community by teaching youth development, healthy living and social responsibility.

By offering a wide variety of youth programs – from gymnastics to swimming – the YMCA works with children to help them reach their full potential. By teaching more than the fundamentals of a sport, the YMCA teaches kids fair play, allows everyone to participate and helps kids develop social interaction skills they will use for a lifetime. Best of all, the YMCA scholarship program allows everyone to participate, regardless of their ability to pay.

Last year, a Gallup poll revealed that 27.7 percent of Americans are now obese, the highest obesity rate in American history. The YMCA works to combat this epidemic by teaching overall healthy living in their wellness center. They encourage members, not just to exercise, but to also eat healthy and sleep consistently to keep their minds and bodies in shape. A balance of these three areas will help create a healthy lifestyle needed to live a long and happy life.

With 15,000 square feet of wellness center equipment and more than one hundred fitness programs that members and community members can participate in to gain needed strength, there are abundant opportunities for people of all ages to find the activity that works for them.

The YMCA also teaches social responsibility and strives to pay back the community for all the community does for the YMCA. For example, they have a Live Strong program for cancer survivors. This life changing addition to their schedule involves a free program of exercise and social interaction for people recovering from cancer.

There is even a child care program for families with kids. Child care for kids in school is offered along with a summer program for children who need a place to learn and grow especially for families who are working. They even have a preschool program for young children to start them on the road to a “healthy” education in Lancaster.

Their 36,000 square foot RecPlex facility provides ample space for tennis, volleyball, baseball, boxing and gymnastics. Purchased in 2008 and renovated in 2009, the RecPlex has allowed the Y to act on the vision of expanding services to the community, expanding the nationally recognized gymnastic program, and offering children a place to call their own. By investing in local kids, neighbors and the health of all, the YMCA ensures that everyone, regardless of age, income or background, has the opportunity to thrive.

The Robert K Fox Family YMCA is located at 465 W. Sixth Ave. on the west side of Lancaster. The RecPlex is located at 1180 Locust St., on the east side of Lancaster. To learn more about the Robert K Fox Family Y, go to the website, http://www.ymcalancaster.org or call 740-654-0616.

 

 

 

 

 

 

 

 

 

 

 

Find Us Out and About This Weekend!

One of the things we enjoy best about this time of year is having opportunity to see a lot of people outside of the office. It’s always great seeing our customers out and about and we think meeting new people is a lot of fun too.

This weekend is a big one for us as our Ross County Banking Center will be at the Southern Ohio Home and Garden Show and the Vinton County National Bank will be at the Jackson County Business Spring Showcase.

The Southern Ohio Home and Garden Show is celebrating eighteen years and will feature demonstrations, giveaways and more than one hundred indoor and outdoor exhibits. The event will feature a fish fry, live music, a Columbus Zoo show, an American Red Cross Blood Drive and presentations on gardening tips and on beekeeping.

In addition to exhibiting, we are proud to sponsor the Hospitality Suite for vendors again this year.

This event will be held on the Ross County Fairgrounds this Saturday from 10 a.m. to 5 p.m. and Sunday from 10 a.m. to 4 p.m. Admission to the show is free with a $3 parking fee that benefits Habitat for Humanity & Building Industry of South Central Ohio. Visit their website to view a complete schedule and list of vendors.

The Jackson County Business Spring Showcase is a nineteen year tradition that will feature over sixty vendors and a Taste of Jackson Food Court. There will also be numerous prizes given away in their grand prize drawing.

We are extremely excited to participate in this event for the first time this year!

The Jackson County Business Spring Showcase will be held at the Jackson High School Field House beginning Friday with a Business After Hours for invited Chamber members from 4 p.m. to 6 p.m. This will be followed by a public preview from 6 p.m. to 8 p.m. Saturday hours are 10 a.m. to 6 p.m. Admission is just $3 but $1 off coupons are available at Wal-Mart, Kroger and other participating Chamber members, including VCNB.

Plan to come see us at one of these shows this weekend!

Good Credit, Better Choices

March is National Credit Awareness Month. Do you know your credit score or how it impacts your financial future? Do you know that your credit score can affect your ability to get a job, how much interest you pay on a loan and even whether you can get a cell phone?

Your Credit Report and Credit Score                 
A credit report is a compilation of everything you are doing with your credit today and what you have done with it in the past. A credit score is a mathematical representation of the information in your credit report. It can tell a creditor, potential employer or even a landlord, at a glance, whether you are a good risk.

What Is Considered On A Credit Report?
Credit reports include data such as payment history and debt to available credit ratio on a lot of things. Included on that list are mortgages, home equity loans, car loans, student loans, credit cards and personal loans. Credit inquiries, employment history, collection accounts and account summaries are also included on your credit report.

What Isn’t Considered On A Credit Report?
Credit reports do not consider on-time utility and phone bills, checks that you have written or cashed, debit cards or daily expenses you pay with cash.

Why Establish Good Credit?
There are countless routine and often life changing activities that are easier and less costly with established good credit. This especially applies to large purchases. When you are borrowing money for a home or car, the terms and rates offered to you will typically coincide with the quality of your credit score and credit history. If you need a cell phone, a small personal loan, insurance or even an apartment, your credit may be considered. Many landlords use credit as a way to identify potential good tenants. Even your career may depend on your credit score. Before an employer hires you they make check your credit rating. That means poor financial decisions can ruin your ability to get a better job.

Keeping It Clean (Or Making It Better)
Talking credit does not have to be a source of anxiety. Improving your credit score or keeping your credit report clean isn’t that difficult with a little effort and common sense.

  • Pay your bills on time- If a bill is paid late it can show up on your credit report for up to seven years
  • Know your limit and never max out your cards – Need we say more?
  • Use your cards wisely – Keep balances low and pay them off every month. It is never a good idea to maintain a big balance on a credit card, even if you plan to pay it off soon.
  • Remember to use your credit – One way to improve a credit score is to use credit wisely. Demonstrating that you can and will pay your bills on time is better than never using your credit at all.
  • Check your credit report- Comb through your credit report three to four times per year, looking for mistakes or for accounts that do not belong to you. Not only is it helpful in maintaining a good credit score, this act can help you identify signs of identity theft. The Federal Deposit Insurance Corporation (FDIC) says that you are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit bureaus — Equifax, Experian and TransUnion. Although you can ask to receive copies from all three credit bureaus at the same time, you also can spread out your requests throughout the year to check for major changes or inconsistencies. To order your free reports, go to AnnualCreditReport.com or call toll-free 1-877-322-8228.

Overwhelmed? Take a moment this month to see what your credit says about you. Once you know what your credit report says, you can begin taking steps to improve that message and to improve your financial future!