Cultivating Community in Silt

Cultivating Community in Silt

June 27, 2022

Highwater Farm was started in 2020. Their mission is to increase access to locally grown produce and to provide valuable jobs and training in sustainable farming to young people in Garfield County.  That first year the farm grew 8,000 pounds of produce on a half-acre and routed half of their crops to local hunger relief …

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Alpine Bank wants to reward your child for good grades!

Alpine Bank wants to reward your child for good grades!

June 23, 2022

Summer is here and the Alpine Bank Pays for As drawing is coming right up. On June 30, 2022, we’ll randomly draw winning report cards from those submitted, which will receive $10 for As, 4s or Es; $5 for Bs, 3s or Ss for 5 main subjects. What it means is that your child could …

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The ins and outs of tax loss harvesting

The ins and outs of tax loss harvesting

June 23, 2022

What is tax loss harvesting? What are the benefits? How might I utilize this strategy in my accounts? These are good questions to investigate for a person experiencing the impacts of declining investment values, who also needs a break at tax time. Down markets send many investors into a tailspin. Market volatility, however, may be …

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What’s your estate plan?

What’s your estate plan?

June 23, 2022

We spend our entire working lives saving, planning, accumulating, and protecting in preparation for our golden years. And, if we plan it right, there will be something to pass along to the next generations so they can have even better lives. That’s the ideal plan for many people, yet few actually do the planning necessary …

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Survey shows 82% of small businesses increased outsourcing since the start of the pandemic

Survey shows 82% of small businesses increased outsourcing since the start of the pandemic

June 23, 2022

UpCity recently shared results of a survey of small business owners and employees regarding outsourcing activities at their companies. The firm found that eight out of ten businesses polled increased outsourcing since the beginning of the pandemic. UpCity, who connects businesses with service providers, polled 600 small business professionals from a variety of industries about …

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Planning a “green” garden

Planning a “green” garden

June 23, 2022

Gardening, in and of itself, is a green practice, but there’s a lot you can do to maximize your garden’s eco-friendliness. Here are three ways to make your garden even greener: Minimize grass. Lawns take a tremendous amount of water to maintain — not to mention the gas or electricity it takes to keep them …

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First-time homebuyers can benefit from low-down-payment mortgage loans

First-time homebuyers can benefit from low-down-payment mortgage loans

June 23, 2022

Homeownership can be an important step in building one’s net worth. Between the appreciation in real estate values that homeowners often enjoy, and the increase in equity levels that happen with each monthly payment, it’s no surprise that homeowners tend to enjoy a higher net worth that renters. That said, the purchase of a home …

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Mobile wallet fraud

Mobile wallet fraud

June 23, 2022

The popularity of mobile wallet apps for making non-cash transactions continues to surge, climbing to nearly $7 billion annual transactions around the world. That’s a target-rich environment for scammers who find ways to take advantage of remote transactions. You can avoid becoming the next victim of mobile wallet fraud by understanding how these scams work. …

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Digital banking tip: Has your business digitized its payment process yet?

Digital banking tip: Has your business digitized its payment process yet?

June 23, 2022

As your business grows, Alpine Online Business Services can provide numerous time- and money-saving services and products. One of its services gives business owners the ability to send and receive funds through the Automated Clearing House (ACH) network.  ACH is a network used for electronically transferring funds between U.S. bank accounts. Businesses can use ACH …

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Sweet Story at Knapp Ranch

Sweet Story at Knapp Ranch

May 31, 2022

In the upper West Lake Creek valley south of Edwards, the buzz is all about the bees. They’re the hardest workers at Knapp Ranch, perpetuating a seamless habitat in this alpine enclave by continually enriching flowers, fruit trees, crops and the natural ecosystems in the surrounding forest and Eagle County. The beekeepers of Knapp Ranch …

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Estate Planning 101

Estate Planning 101

May 17, 2022

Q1: What is the difference between a general durable power of attorney and a medical durable power of attorney, and why do I need both? A: A general durable power of attorney is one in which you appoint a family member, friend or other person you trust (your “agent”) to step into your shoes and …

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Planning to start a family? What you need to do right now

Planning to start a family? What you need to do right now

May 17, 2022

For most young couples, the decision to start a family is not a matter of “if” but “when”. Of course, it should be a joyful time for young parents. However, with the tab for raising a child to adulthood topping $300,000, on average, it does take some preparation and planning to avoid getting caught in …

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Credit card surcharge changes coming in July 2022

Credit card surcharge changes coming in July 2022

May 17, 2022

Until last summer, Colorado was one of just three states that banned merchants from adding surcharges to credit card transactions. Through a law enacted in July 2021 that takes effect on July 1, 2022, Colorado lifts the ban and will be the 48th state to allow surcharging. Connecticut and Massachusetts remain the only states to …

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E-waste recycling

E-waste recycling

May 17, 2022

E-waste, the no-longer-functional or obsolete electronic device that’s disposed of, includes electronic equipment and appliances — from toasters and gaming devices, to washing machines and solar panels — and everything in between. E-waste is considered a separate category of refuse in the landfill. It’s different than trash, or the glass, plastics and paper that are …

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Loan scams

Loan scams

May 17, 2022

Consumers lose billions of dollars a year to fraudulent loan practices. The primary victims are those most in need of a loan and most likely to fall for a fake offer because they are turned down by legitimate lenders. Here’s how loan scams typically work: No credit check scam:  Legitimate lenders typically require a credit …

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Tips to maximize your Social Security benefits

Tips to maximize your Social Security benefits

May 17, 2022

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Vacation plans? Travel notice alert ensures safe and interruption-free banking

Vacation plans? Travel notice alert ensures safe and interruption-free banking

May 17, 2022

If you plan on traveling this summer, you can avoid any hiccups — fraud alerts or failed payments in your account — by placing a travel notice through your online banking or mobile app. Adding a travel notice allows you to continue to use your card with ease while you’re away from home, and helps …

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Improve your credit score to score a favorable mortgage

Improve your credit score to score a favorable mortgage

May 17, 2022

Trying to quality for a mortgage loan? Your credit scores will play a large part in both qualification and the interest rates available to you. Credit scores are used to help determine the risk profile associated with extending credit, so proper management of your credit score through on-time payments and by maintaining a low credit …

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Alpine Bank announces changes to operating hours

Alpine Bank announces changes to operating hours

May 17, 2022

We’re making some adjustments to our operating hours at several of our branches, effective June 4. Primarily Saturday operations are impacted, with some slight modifications to midweek business hours. See the complete list of branches that will be affected by this change here. Please consider using these alternatives to branch banking: • Online and mobile …

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Carbondale’s Learning Garden

Carbondale’s Learning Garden

May 3, 2022

Lifelong learning and empowering individuals to take responsibility for themselves, their learning and their community—that’s the mission of Compass. Since 1970, this nonprofit educational organization has been the backbone of the Aspen and Carbondale Community Schools, public charter schools educating kids from kindergarten through eighth grade in Colorado’s Roaring Fork Valley. The arts, physical education, …

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What do I need to know about designating beneficiaries on my financial accounts?

What do I need to know about designating beneficiaries on my financial accounts?

April 28, 2022

Q: What do I need to know about designating beneficiaries on my financial accounts? A: To properly designate beneficiaries on financial accounts, consider the following: ·       Use the official form provided by the financial institution, ·       Name primary and secondary (contingent) beneficiaries, ·       Use caution if listing minors (beneficiaries who are not adults) on an account, or if listing someone other …

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Level up your financial literacy

Level up your financial literacy

April 26, 2022

Financial Literacy Month, every April, is a national campaign organized by the Jump$tart Coalition, a nonprofit based in Washington, D.C. The goal of the campaign is to raise awareness about financial literacy and promote financial education. Financial Literacy Month’s mission is to promote and support financial literacy efforts across the U.S., especially for kids and …

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Digital banking tip: protect your business from ACH and check fraud

Digital banking tip: protect your business from ACH and check fraud

April 26, 2022

In the continually evolving digital world, check and ACH fraud remain a constant threat. We offer fraud solution services to our Alpine Online® business customers, including ACH Positive Pay and Check Positive Pay. These, and other services, are designed to help you catch fraud before it occurs. Did you know that businesses only have 24 …

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The time value of setting wealth management goals

The time value of setting wealth management goals

April 26, 2022

For many families, 2022 is going to be a pivotal year. Following two years of pandemic chaos, there’s a feeling of renewed optimism among families that things can finally get back to normal. However, optimism is no substitute for having clearly defined, achievable goals — without which very little will get accomplished. Moreover, goals without …

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Small businesses look to digital payments for growth

Small businesses look to digital payments for growth

April 26, 2022

It’s clear that consumers are shifting toward a world in which they rely less on paper money, and businesses are already following suit. The next decade of commerce may look nearly unrecognizable when compared to commerce of the past. Visa recently released the findings of a survey that found that 82% of SMBs will accept …

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Employment scams

Employment scams

April 26, 2022

Employment scams have been around a long time. And sadly, with the advent of the internet, scams have proliferated and are now much easier to pull off.  With the goal of luring in unsuspecting jobseekers to trick them out of their personal information and money, cyber-fraudsters set up legitimate-looking company websites, and then post fake …

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Weighing options for renting and buying

Weighing options for renting and buying

April 26, 2022

Should I rent? Or should I buy a home? This is a frequent conversation these days, particularly among young professionals who are considering whether or not it’s worth it to save up for a down payment, only to then be burdened by the debt of a mortgage. If this sounds like a dilemma you’ve been …

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Solar options when remodeling

Solar options when remodeling

April 26, 2022

Why not include some environmentally friendly elements in your home remodeling project? Solar panels can help you save energy and money. Some options for going solar include: Monocrystalline panels. They offer the highest efficiency, converting 20 percent of the sunshine they collect into usable energy. Each panel can generate 300-400 watts of power. In addition, …

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Meet Mesa County Commercial Lender Justin Menge

Meet Mesa County Commercial Lender Justin Menge

April 21, 2022

Justin Menge, commercial lender with Alpine Bank Mesa County, brings 15 years’ experience to clients seeking commercial loans. This Grand Valley native was born and raised in Fruita, and volunteers in his community with Habitat for Humanity and the SD51 fiscal oversight committee. Alpine Bank has five foundational core values: Independence Loyalty, Community, Compassion and …

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Make-A-Wish Colorado provides hope to help children with critical illnesses receive their wishes

Make-A-Wish Colorado provides hope to help children with critical illnesses receive their wishes

April 7, 2022

For years, the volunteers, staff and supporters who are closest to Make-A-Wish have recounted stories they’ve heard from “wish families” about the positive, life-changing impact a wish had on their child.  Recently, Make-A-Wish published the results of a survey involving thousands of former wish kids, parents and pediatricians that helps to quantify those claims. According …

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Keeping Open Space & Cows on Mountain View Ranch

Keeping Open Space & Cows on Mountain View Ranch

March 30, 2022

For more than a century, some idyllic pastureland in northwest Colorado has been home to cattle, elk and other wildlife, and one longstanding and hardworking family. Fifth-generation rancher Krista Monger and husband Justin Warren are owners of JK Cattle Company and Mountain View Ranch, which belonged to Krista’s grandparents. Protected under a conservation easement with …

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Meet Mesa County operations supervisor Vicki Waterfall

Meet Mesa County operations supervisor Vicki Waterfall

March 21, 2022

Vicki Waterfall, operations supervisor for Alpine Bank Clifton, has lived in the community for 22 years and spent a decade of that time serving customers and providing leadership at the bank. Her volunteer service includes helping out with School District 51. Alpine Bank’s core values are Independence, Compassion, Loyalty, Integrity and Community. Which Alpine Bank …

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Meet Mesa County banking officer Brett Thompson

Meet Mesa County banking officer Brett Thompson

March 21, 2022

Brett Thompson, banking officer at Alpine Bank Grand Junction, has lived and worked in the community for the past year-and-a-half. When he’s not helping bank customers, Brett serves as a community and garden volunteer with Mesa County Libraries, as a volunteer judge with the Young Entrepreneurs Academy Investor Panel, and is a participant in the …

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Can markets turn positive in the same year they are negative?

Can markets turn positive in the same year they are negative?

March 21, 2022

Yes, markets can turn positive in the same year they are negative.  If you are invested, you have likely seen your investments decline in 2022. It’s unsettling. We recently wrote about volatility and encouraged investors to maintain a well-formed, long-term, diversified portfolio over surrendering to near-term market movement and emotion. But why?  Using the S&P …

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Spring clean your wardrobe with green in mind

Spring clean your wardrobe with green in mind

March 21, 2022

Spring cleaning can mean a thorough scrubbing and major freshening up around your home. It can also mean a significant cleanup that doesn’t involve cleansers or sponges: decluttering your wardrobe. When it’s time to clear away what you no longer wear, consider other uses for your items so you can extend their useful life.  Swap …

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How to set up a fraud alert with the three credit bureaus

How to set up a fraud alert with the three credit bureaus

March 21, 2022

You can’t know when you might become a victim of fraud or identity theft, but you can be prepared to act. When you suspect you’ve been victimized, the very first thing to do is to contact one of the three credit bureaus to place a fraud alert on your credit reports. That credit bureau is …

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Long-term care insurance pros and cons

Long-term care insurance pros and cons

March 21, 2022

At the start of 2022, you may be thinking you’re one year closer to retirement, or… one year closer to the need for long-term care. Long-term care insurance policies provide coverage to policyholders for those services needed to support daily living: assistance with eating, bathing and dressing. Daily benefits to long-term care policyholders can be …

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Help for buying a home for retired parents or a disabled child

Help for buying a home for retired parents or a disabled child

March 21, 2022

With all the wonderful amenities and beautiful landscapes our state has to offer, it’s no surprise that Colorado has experienced such a large population influx over the last decade. After all, who wouldn’t want to live in here? That said, the rising cost of living in Colorado has made it difficult for some to purchase …

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Financial management at your fingertips

Financial management at your fingertips

March 21, 2022

A free program accessed through Alpine Online® and Alpine Mobile®, Spending Habits is a money management tool that empowers you to take control of your finances. In it, you can add savings goals, payoff goals and budgets to visually track your progress. You can also link accounts from other financial institutions to conveniently monitor all …

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Free financial literacy toolkit

Free financial literacy toolkit

March 21, 2022

Financial Literacy Month is officially in April, but we think it’s a good idea to get a jump on it! Alpine Bank has the tools you need to boost your financial literacy. Whether you’re a new earner or you’d like to revisit the basics, we hope to give you the confidence to make more informed …

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Meet Mesa County community outreach director Tawni Kelley

Meet Mesa County community outreach director Tawni Kelley

March 1, 2022

Tawni Kelley, community outreach director at Alpine Bank, has been with the organization for 12 years, and has lived in Grand Junction for 27 years. She’s a busy career woman, wife and mom, but still finds time for volunteer service with Girl Scouts of America, the D51 Foundation and a JUCO committee. Alpine Bank’s core …

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Meet Mesa County operations supervisor Stephanie Heifner

Meet Mesa County operations supervisor Stephanie Heifner

March 1, 2022

Stephanie Heifner, operations supervisor at Alpine Bank Fruita, has lived in the community for 14 years and been with the bank for 13 years.  When she’s not working, Stephanie volunteers to help lead her homeowners association and is active in the Pediatric Congenital Heart Defect (PCHD) community. In particular, she supports Children’s Hospital Colorado and …

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Meet Mesa County commercial banking specialist Ryan Mosher

Meet Mesa County commercial banking specialist Ryan Mosher

March 1, 2022

Ryan Mosher, a lifelong resident of the community, has been with Alpine Bank for 14 years, serving customers as a commercial banking specialist. Ryan volunteers with Tope Elementary and supports KAFM Radio because he believes public radio is very important for the community.   Alpine Bank’s core values are Independence, Compassion, Loyalty, Integrity and Community. Which …

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The Utmost in Compost

The Utmost in Compost

February 22, 2022

The average American produces 219 pounds of food waste annually; waste that can be composted to reduce air pollution and landfill volume plus save energy and water. Food scraps and yard waste together make up 30 percent of what we toss in the trash, but can be diverted to make compost instead, an organic material …

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There’s no escaping volatility

There’s no escaping volatility

February 15, 2022

Investors are shedding equities at the fastest pace since March 2020, pushing major indexes into correction. Many sectors are in an outright bear market, defined as a period of generally declining stock prices over a prolonged period. At the time of this writing, the S&P index is off 8% year-to-date. In the last 30 years, there have …

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Paperless statements and account information

Paperless statements and account information

February 15, 2022

Have you gone paperless yet? There are several good reasons for doing so. Worry less about losing statements and account notices in the mail, while helping the environment by enrolling for electronic statements through Alpine Bank’s online banking or mobile app. Our electronic statements service is free. It helps you stay informed and up-to-date on …

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Mortgage 101

Mortgage 101

February 15, 2022

The process of purchasing a home can be both an exciting and stressful time in life. There are so many factors for a potential homebuyer to consider that it can feel overwhelming. Is this the right home for me? Can I afford this home? Is the home in good condition? All of these big considerations …

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Go paperless

Go paperless

February 15, 2022

Trees absorb carbon dioxide. Processing one tree into 17 reams of paper releases 110 pounds of C02 into the atmosphere. Here are 15 actions you can take toward going paperless, to lessen the need to sacrifice trees: 1.         Recycle unneeded paper. 2.         Opt into paperless billing; pay online. 3.         Have receipts emailed rather than printed. …

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Keep ahead of rising college costs

Keep ahead of rising college costs

February 15, 2022

The inflation we’re experiencing doesn’t bode well for parents who hope to see their children go to college. Historically, the costs of a college education have risen faster than the rate of inflation. But keeping ahead of rising education costs can be less formidable for parents who avail themselves of federal plans to incentivize college …

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Romance scams are in the air

Romance scams are in the air

February 15, 2022

With many people quarantining and keeping their social distance, there’s been an uptick in scams perpetrated through dating websites. The rise in romance scams is particularly insidious because it often preys on vulnerable widows and widowers longing to make a new connection. These scammers are rarely identified or caught because the scams originate from a …

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