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Financial education shouldn't be boring! Bank Chats combines a relaxed conversational style with experts from various fields to talk about banking and finance using terms that everyone can understand. DISCLAIMER This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topi ...
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Economic Survival Guide: Practical Tips for Everyday Savings (2 Cents Episode 9)
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Comment via Text Message Leave a Comment on Our Website So, everything is too expensive these days and you want to save some money? We have you covered. On this episode of 2 Cents, Drew and Jeff run through a list of tips and tricks that could help keep more of your money in your pocket. AmeriServ's Website: https://www.ameriserv.com/ Credits: An A…
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Interest Rates 101: Understanding the Basics
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Comment via Text Message Leave a Comment on Our Website In these "interest"ing times that we are living in, interest rates play a major role in our day-to-day lives. In this episode, Drew chats with Jeff Stopko, president & CEO of AmeriServ Financial, Inc., on the topic. Who sets interest rates? What is considered when interest rates are set? What …
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Comment via Text Message Leave a Comment on Our Website Phrases such as "for just 4 easy payments of $19.99" were used to persuade us to purchase that gadget over the phone a decade ago. Today, with online shopping popularity on the rise, this tactic has taken new form, with companies such as Affirm, offering customers buy now, pay later (BNPL) opt…
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Comment via Text Message Leave a Comment on Our Website In this episode, Drew chats once again with David O'Leary, Vice President of Residential Lending at AmeriServ Financial Bank, about home equity lines of credit (HELOC). What is a HELOC? What are the benefits of a HELOC over other credit lines such as credit cards? What can I do with a HELOC? D…
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Plastic Perspectives: Credit vs. Debit (2 Cents Episode 7)
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Comment via Text Message Leave a Comment on Our Website Even though they may look the same, credit cards and debit cards act completely different from one another. Drew and Jeff chat about those key differences, so you know what form of plastic payment may work best for you. Is Drew team credit or debit? What about Jeff? Find out in this episode of…
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Comment via Text Message Leave a Comment on Our Website Setting yourself up for financial freedom is not often an easy task. Finding a reliable and knowledgeable investment advisor, who keeps your best interests in mind, can help you reach your financial goals. Whether you pay into a 401k, an IRA, or other retirement account, your financial advisor…
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Financial Safety Net: Understanding FDIC Insurance (2 Cents Episode 6)
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Comment via Text Message Leave a Comment on Our Website With a new regulation announced surrounding the FDIC logo, Drew and Jeff decided that it may be a good idea to chat about the Federal Deposit Insurance Corporation (FDIC). We often see the letters FDIC at banks, but what do those letters represent? Find out in this episode of 2 Cents. (Article…
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Comment via Text Message Leave a Comment on Our Website In this information packed episode, Kevin Slonka and Michael Zambotti are back to talk more in depth on the topic of scams. What are some common scams to be on the look out for? What are the red flags? If you fall victim to a cyber-scam, what should you do? Learn the answers to these questions…
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Comment via Text Message Leave a Comment on Our Website Tax Day 2024 is April 15th. On this episode of 2 Cents, Drew and Jeff talk about the different methods to file taxes, the different forms and information that are factored into taxes, and whether or not receiving a refund is a good thing. AmeriServ's Website: https://www.ameriserv.com/ Credits…
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Comment via Text Message Leave a Comment on Our Website Have you considered starting a business, but don't even know what the first steps are? Drew chats with Tara Shaffer and Mark Miller about the ins and outs of the financial side of starting a new business or expanding an existing one. AmeriServ's Website: https://www.ameriserv.com/ Credits: An …
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Saving Dough in the Snow - Home Heating (2 Cents Episode 4)
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Comment via Text Message Leave a Comment on Our Website It's still frigid in Pennsylvania this time of year, so Drew and Jeff offer up some tips that could save you some dough in the snow. AmeriServ's Website: https://www.ameriserv.com/ Articles: https://www.ameriserv.com/resources/learn/financial-library/master-articles/7-tips-to-lower-your-utilit…
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Comment via Text Message Leave a Comment on Our Website In this technical episode of Bank Chats, Drew and Jeff get a crash course in cryptocurrency from Saint Francis University's, John Valkovci. What is cryptocurrency? How is Bitcoin 'mined'? What are the security risks of crypto? John reveals the answers to these questions and more in this inform…
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Comment via Text Message Leave a Comment on Our Website In the first 2 Cents episode of 2024, Drew and Jeff expand on the last 2 Cents episode and talk about auto pay. What is auto pay? When should or shouldn't you use it? What are some pros and cons? AmeriServ's Website: https://www.ameriserv.com/ Consumer Financial Protection Bureau Article: How …
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Budgeting Blueprint: Crafting Your Financial Future
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Comment via Text Message Leave a Comment on Our Website In this episode of Bank Chats, Kerri Mueller, Senior Vice President of Retail Banking, talks budgeting. From budgeting techniques, to budgeting best practices, Kerri breaks down how simple it can be to keep track of your money. AmeriServ's Website: https://www.ameriserv.com/ Credits: An AmeriS…
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Comment via Text Message Leave a Comment on Our Website Drew and Jeff give their "2 Cents" on the topic of subscriptions in this podcast mini-episode. They “subscribe” to the notion that many of us have more subscriptions than we believe, and discuss ways to manage these subscriptions. AmeriServ's Website: https://www.ameriserv.com/ Credits: An Ame…
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Comment via Text Message Leave a Comment on Our Website Join us for an engaging conversation with David Finui, President & CEO of AmeriServ Trust and Financial Services Company. This episode of Bank Chats focuses on trusts. Learn what a trust is, what a trust company does, and much more. AmeriServ's Website: https://www.ameriserv.com/ Credits: An A…
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Comment via Text Message Leave a Comment on Our Website Drew and Jeff give their "2 Cents" on the topic of contactless payments in this podcast mini-episode. AmeriServ's Website: https://www.ameriserv.com/ Credits: An AmeriServ Financial, Inc. Production Music by Rattlesnake Hosted by Drew Thomas and Jeffrey Matevish Thanks for listening! You can f…
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Comment via Text Message Leave a Comment on Our Website In honor of Cybersecurity Awareness Month, this Bank Chats episode features two experts on the subject, Kevin Slonka and Michael Zambotti, from Saint Francis University, in Loretto, Pennsylvania. The high-level conversation on cybersecurity in this episode includes topics such as defining cybe…
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Comment via Text Message Leave a Comment on Our Website Join us for an engaging conversation with Rusty Flynn, Senior Vice President of Retail Lending at AmeriServ Financial Bank. This episode of Bank Chats focuses on consumer lending and lays some common financial misconceptions to rest. Learn about different types of loans, equity, credit reports…
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Comment via Text Message Leave a Comment on Our Website For our inaugural episode, we discuss the ins and outs of the residential mortgage process with David O'Leary, Vice President of Residential Lending at AmeriServ Financial Bank. This episode is part one of our conversation, covering mortgage types, documentation, timelines and more. Thanks for…
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Comment via Text Message Leave a Comment on Our Website Join us for the second half of our discussion with David O'Leary, Vice President of Residential Lending at AmeriServ Financial Bank. This episode is part two of our conversation, covering appraisals, title work, closing costs, your house as collateral and more. Thanks for listening! You can fi…
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