Small Business Banking Series in Greater Kansas City

Wednesday, May 08 at 01:00 PM
Category: Business Banking

So… What Do You Do? What’s Your 10-Second Commercial?

When meeting people for the first time, why do we struggle with explaining what we do in 10 seconds or less? Join our featured speaker, Dan Stalp of Sandler Training, for this highly interactive session where participants will:

  • Build intrigue when someone asks, “What do you do?”
  • Be more clear about the types of people/companies who qualify as good candidates for your business; and
  • Learn how to set strong verbal agreements with those who qualify for follow-up after meeting someone.

Dan Stalp has over 26 years of experience leading, training, and coaching high performing individuals. He has risked everything and completely started over twice career-wise, once in 1993 and again in 2005 by co-founding and founding his own firm. Dan has co-authored two books, “The Reunion” and “Antoerh Reunion,” about career significance and how pursuing what you were “meant to do” – along with always being grateful – plays an instrumental role in being the best you can be.

When not being mistaken for a certain Hollywood movie star, Dan and his wife Lisa of 28 years travel to Dallas, TX and Fayetteville, AR to visit their two grown daughters. Or they are attending rugby and lacrosse events for their high school and college aged sons.

This first session will be held Wednesday, May 29, 2019 from 11:30am to 1:00pm at the Regnier Center of Johnson County Community College (12345 College Blvd, Overland Park, KS – Room 270). This class is open to the public and registration includes lunch.

Space is limited. Registration is required. Please visit the event site* to reserve your spot today. 

Generously sponsored by Arvest Bank and hosted by the Kansas SBDC at JCCC, this workshop is the first of a 4-part Small Business Growth Lunch & Learn series*. The series will be an opportunity for small business owners and resource partners to network, share best practices, and learn from industry experts. Each session will feature a presenter on a different small business topic.

Links marked with * go to a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

 

*Participants do not need to attend all four sessions. 

Tags: Financial Education, Kansas City
 

Reminder: Before Using Your Credit Card for Online Purchases

Friday, March 22 at 12:00 AM
Category: Personal Finance

Making purchases online can be convenient and efficient. While online shopping never has a 100% guarantee, here are five simple tips that could help keep your information secure when entering your credit card online:

  1. Shop secure sites. Check for the ‘s’ behind the ‘http’ in a website’s address. The ‘s’ indicates the site is encrypted, which provides an extra layer of security for online buys. The address bar may also appear green, confirming the site is secure.
  2. Purchase at home or on a private wireless internet connection. Using either a public computer or a public Wi-Fi network can make you an easy target for nearby scammers.
  3. Keep your social private. Nearly all online purchases can be made without entering your social security number. Don’t provide this or any other unnecessary information when making a purchase.
  4. Add additional security. Anti-virus software and strong passwords may take a little time to set up, but keeping your personal information safe is worth the effort.
  5. Use your best judgement. If a site seems questionable, don’t follow through with the purchase. Deals that seem too good to be true could cost you in the long run if your credit card and other personal information falls into the wrong hands.

If you need assistance with your credit card or wish to report a potential issue, please contact us at (800) 356-8085.

    

Tags: Financial Education
 

Take Control of Your Credit Card Debt

Friday, March 22 at 12:00 AM
Category: Personal Finance

Whether you have a high credit card balance or feel like you’re barely chipping away at the interest, debt can be overwhelming. One way to manage credit card debt is by transferring your balance to a different card with a lower interest rate. Over time, this could reduce the amount of interest accrued on the account as you continue to pay off the principal balance. 

What is a balance transfer? Simply put, a balance transfer is when you move the balance from one credit card to another in order to reduce the amount of interest accumulated on the account each month. While the best way to avoid interest is to pay off the full balance of your credit card each month, balance transfers are helpful when you’re unable to pay off the entire amount owed.

Do Your Homework. When considering a balance transfer, make sure you research the following:

  • Introductory APR periods
  • Applicable fees
  • Transfer amount limitations

Most importantly, you’ll want to establish a firm plan to make regular payments on the balance once it’s transferred.

Take Advantage of this Balance Transfer Opportunity. The Arvest Personal Credit Card provides new cardholders with a 0% Introductory APR* on purchases and balance transfers for 12 billing cycles. After that, rate will be based on credit worthiness - 14.65% to 21.00%*.

Existing cardholder? Call us at (800) 356-8085 to learn more about balance transfers today! 

Disclosure:

*Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers for 12 billing cycles from date of account opening. After that, the APR for purchases, and balance transfers will be based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The APR for cash advances will vary based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The transaction fee for cash advances and cash equivalent transactions is the greater of $4 or 4% of the transaction. Foreign transaction fee is 1% of each transaction in U.S. dollars. Rates apply to new accounts only and are accurate as of January 8, 2019. Subject to credit approval. Additional limitations, terms and conditions may apply.

Tags: Financial Education
 

Travel Safety Tips

Friday, March 22 at 12:00 AM
Category: Personal Finance

Traveling is an exciting adventure for anyone seeking to learn more about the world they live in. As with anything, traveling comes with both risk and reward. However, the risks shouldn’t outweigh the rewards of exploring new places, so review these safety tips as a precaution.

Pause Deliveries

Who is going to pick up your mail and newspaper while you are on vacation? Rather than having your neighbor gather those items daily, opt to temporarily stop delivery. Safe Wise* cautions that burglars may view accumulating packages and newspapers as a vacancy sign announcing your absence. The last thing you want to do is draw attention to your empty home.

Write down Everything

No one likes to think about someone stealing their credit card, passport or other important documents. However, the risk of theft is real and should be taken seriously. CNBC* urges travelers to write down information for each important item before departing for a trip. Leave the list in a secure envelope with a trusted relative, for safe keeping and easy retrieval while you are away. Additionally, USA Today* suggests tourists leave a copy of their itinerary with a friend or relative at home. Plan times to check in regularly and ask the friend to contact authorities if you fail to check in.

Call Your Credit Card Company

In addition to writing down credit card information, be sure to call your credit card company before departing for a trip. It is important to inform the company of where you will be traveling and how long you will be gone. This simple measure will ensure your cards continue to work during the trip and any unusual activity will be quickly reported.

Arvest monitors its credit cards for suspicious activity, so be sure to report your travel plans to the company before you depart. If your credit card falls into the wrong hands, unusual charges will be noticed more quickly.

Get Vaccinated

As you plan every detail for the upcoming trip, your health may never cross your mind. However, the Center for Disease Control and Prevention* encourages travelers to research common illnesses in the country they plan to visit and vaccinate accordingly. Additionally, it is important to make sure all routine vaccines are up-to-date. Your decision to plan ahead could keep sickness from ruining your otherwise incredible vacation.

Delay Posting

Social media can be a great place to keep friends and family updated on all your travel adventures, but posts and geo-tags can also serve as a virtual footprint for thieves. Consider stockpiling your favorite travel stories and photos, and posting them after you return from vacation. You can still share all the fun memories with your followers, without worrying about the wrong people keeping track of your location in real-time.

Check Advisories

Do research and familiarize yourself with the destination, whether domestic or abroad, to ensure you are fully prepared. If you are traveling out of the country, visit the U.S. Department of State* website to register as a traveler and view travel alerts or advisories for the specific country you plan to visit. It is a great way to stay aware of anything that could affect the comfort of your trip.

Secure Your Room

Although hotel rooms may seem secure, it never hurts to add an extra level of security to protect yourself and your belongings. Nationwide* suggests packing a jammer or door stop in your suitcase. It is small, so it won’t take up much space in your luggage, but it could deter unwanted visitors from gaining access to your room.

The views of this article are for general information use only. Please contact and speak with a subject expert or your banker when specific advice is needed.

*Link is a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

 

 

 

Tags: Financial Education
 

Become a Travel Pro

Monday, March 04 at 02:00 PM
Category: Personal Finance

The spring break travel season is in full swing. Skies are filled with frequent fliers eager to redeem hard-earned miles and highways are crowded with road-trippers anxious for a getaway. Whether you are a seasoned traveler with a tried-and-true routine or someone just entering the travel scene, these tips will make your trip a breeze.

Pack Your Carry-on Wisely

No one likes boarding a plane, stowing a carry-on bag, navigating to a seat and sitting down only to realize their headphones are still in the bag overhead. Travel and Leisure1 recommends packing a separate, smaller bag filled with essentials such as a cell phone, earbuds, a wallet, medicine and books. Before you board the plane, pack the smaller bag at the top of your carry-on, so it is easy to remove and keep at your seat during the flight.

Use Your Rewards

Typically credit card companies, airlines and hotels offer competitive rewards programs for loyal customers. Although keeping up with points may seem overwhelming at first, many companies offer convenient, user-friendly platforms to make the process simple. Right now, Arvest’s Consumer Credit Card earns 3X rewards2 points with each eligible travel purchase. Be sure to activate rewards as soon as possible, because bonus rewards will only be awarded from the time you activate until April 30, 2019.

Don’t have an Arvest Credit Card? Apply for a consumer credit card today and enjoy 0%3 APR on purchases and balance transfers for 12 billing cycles. After that, your rate will be based on credit worthiness 14.65% to 21.00%. You can also earn up to $1004 in bonus rewards. Every time you make a purchase during vacation, pay with your Arvest Personal Credit Card and earn Arvest Flex Rewards™ Points to redeem later.

Download Music

Streaming music is a common travel pastime. Unfortunately, cell phone service is often limited at some point during a trip, both on land and in the air. Avoid hours of silence and download your favorite playlists ahead of time. The music will be available with or without Wi-Fi or a cell phone signal and you will get to travel to the tune of your favorite songs.

Schedule Downtime

When planning a trip to a new destination, it is easy to pack too many events into an already-full itinerary. Back-to-back reservations may seem feasible on paper, but can lead to burnout if there is no time to breathe. Huffington Post1 interviewed a number of experienced travelers who shared their best advice for a successful trip. Multiple experts emphasized the need to schedule rest time or purposely leave gaps in your travel itinerary. This technique provides an opportunity to soak in the experience and truly immerse yourself in the new environment.

Remember Less is More

When packing for a trip, it can be tempting to bring a different outfit for each day and extra outfits for unforeseen situations. However, Sky Scanner1 encourages travelers to prioritize and pack less. Consider choosing neutrally colored clothing that is easy to layer. Pair pieces strategically and turn four shirts into eight or more outfits, by simply layering different colored sweaters or scarves. Spend less time dealing with bulky luggage and more time enjoying your much-needed vacation. Plus, if you pack less, there will be more room in your suitcase for souvenirs. Don’t forget to use your Arvest Personal Credit Card at checkout to earn rewards.

Be Open-Minded

Vacation is the perfect time to branch out and try something new, whether it is a new food item or new activity. Smarter Travel1 interviewed a freelance travel writer and editor who suggested visiting with locals in order to discover opportunities not listed in guidebooks. The trip will be filled with one-of-a-kind adventures and you will have incredible stories to share with friends and family when you return home.

1Link is a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

Disclosures:

23X Rewards: Activate to earn 3X Arvest Flex Rewards points on up to $5,000 in eligible purchases made on your Arvest Personal Credit Card between March 01, 2019 and April 30, 2019 either online by clicking the activation button in your Rewards Account, or by calling the rewards phone line at (800) 356-8085 and following the prompts.  Bonus points will only be awarded on eligible purchase from the time your bonus is activated until April 30. 2019.  You will be eligible to earn 3X rewards points when you book your purchases directly with an airline, hotel, or car rental agency.  You will not earn bonus points for airfare, hotels, or car rentals bought as part of a vacation package or through a third-party travel agent or aggregator.  Timeshares, recreation camps, vacation rentals and campgrounds are not eligible.  Arvest has no control over how retailers assign Visa codes to classify their business; if retailers do not process transactions using Visa category codes applicable to this bonus offer, you will not earn bonus points on those purchases.  Arvest reserves the right to decide which purchases qualify for bonus points. Purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler’s checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. Bonus points will be applied to your account within three billing cycles after your qualifying purchase. To be eligible for the bonus offer, the Card Account must be open and not in default as of the date the bonus points are applied. For complete details, ask an Arvest associate or go to arvest.com/rewards.

3Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers for 12 billing cycles from date of account opening. After that, the APR for purchases, and balance transfers will be based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The APR for cash advances will vary based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The transaction fee for cash advances and cash equivalent transactions is the greater of $4 or 4% of the transaction. Foreign transaction fee is 1% of each transaction in U.S. dollars. Rates apply to new accounts only and are accurate as of January 8, 2019. Subject to credit approval. Additional limitations, terms and conditions may apply.

 

4Bonus: Open a new Arvest Personal Credit Card to qualify for the one-time bonus of up to $100 after spending $500 on eligible purchases within the first (3) billing cycles of account opening. $100 bonus is awarded as 10,000 rewards points in the Arvest Flex Rewards™ program. Arvest Flex Rewards™ is a program where you can earn one point for every $1 you spend using your Arvest Credit Card. Eligible purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Limit one 10,000 points bonus per Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler’s checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. Bonus points will be applied to your account within three billing cycles after your qualifying purchase. To be eligible for the $100 bonus offer, the Card Account must be open and not in default as of the date the bonus points are applied. For complete details, ask an Arvest associate or go to arvest.com/bonus. Offer valid from January 1 through December 31, 2019.

Member FDIC

The views of this article are for general information use only. Please contact and speak with a subject expert or your banker when specific advice is needed.

    

Tags: Financial Education

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