Support, Scholarships & Student Loans from Alpine Bank

Support, Scholarships & Student Loans from Alpine Bank

February 8, 2021

Alpine Bank places a high value on education, from early childhood to primary and secondary education; high school to higher learning. In fact, we have several programs in place to support youth and families in our communities with their educational activities and goals. Pays for A’s rewards kids for earning good grades twice each year, …

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Work at Home Scams

Work at Home Scams

January 19, 2021

One thing can be said about scammers: they never let a good crisis pass them by. Such is the case with the COVID pandemic, which has led to an increase in the number of people looking for work-at-home job opportunities. While there are many legitimate work-at-home opportunities, it is essential to look at each one …

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Your 2021 Tax Preparation Starts Now

Your 2021 Tax Preparation Starts Now

January 19, 2021

There is plenty of speculation regarding changes that may occur on the tax front for the 2021 filing year as a result of the new Biden Administration. Even if major tax changes are on the horizon, it will still take time for anything to be passed in Congress. However, that doesn’t mean you can’t be …

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Q&A with Matt Michalski, Alpine Bank Wealth Management Vice President

Q&A with Matt Michalski, Alpine Bank Wealth Management Vice President

November 23, 2020

Q: Given current uncertainties surrounding the pandemic, the economy and the government’s response, is it still a good idea to do year-end financial planning? A: It has been proven over time to be worth your while to update your financial plan to refocus on the future and revisit your long-term goals. Here is a year-end …

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PCs for People: Narrowing the Digital Divide

PCs for People: Narrowing the Digital Divide

November 23, 2020

You may not know that 54,000 Colorado students lack computers or the internet connection they need for online learning, a challenge magnified by COVID. Alpine Bank wants you to know about a remarkable nonprofit, PCs for People (PCFP), which is helping bridge this digital divide. PCFP refurbishes used computers—assuring secure, certified data destruction and hardware …

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Update on the Small Business Economy

Update on the Small Business Economy

October 21, 2020

The National Federation of Independent Business (NFIB) Research Center recently released results of an industry-specific survey regarding the small business economy. It looked at the construction, manufacturing, retail and service industries. Holly Wade, NFIB director of Research & Policy Analysis, commented, “Small businesses are working hard to stay open while they continue to navigate the …

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Beware of Mortgage Fraud

Beware of Mortgage Fraud

October 21, 2020

Mortgage fraud is on the rise. It is especially prevalent during periods of economic chaos and upheaval in the housing market as more homeowners face foreclosure, and scammers target overwhelmed lenders. Unscrupulous lenders can also get into the act by targeting distressed homeowners. There are two types of mortgage fraud – fraud for housing, which …

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Don’t Put Off Legacy Planning

Don’t Put Off Legacy Planning

October 21, 2020

Death is a topic most people tend to avoid—particularly when it is their own. But global pandemics have a way of reminding people that none of us is immortal and that, like it or not, there will come a time when we are no longer around. Given this reality, coupled with fluctuating market conditions due …

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Don’t Let COVID Change Your Retirement Plan

Don’t Let COVID Change Your Retirement Plan

September 16, 2020

Planning for retirement is never easy, but how do you do it in the middle of a global pandemic? Depending on where you are in your retirement planning, the best approach may be to stay the course you were already on. The COVID-19 pandemic has turned the world upside down—impacting everything from people’s day-to-day routines …

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Social Security Can Provide Temporary Income

Social Security Can Provide Temporary Income

September 16, 2020

Social Security Can Provide Temporary Income The arrival of the coronavirus has resulted in job losses—from temporary furloughs to permanent layoffs— for millions of Americans. With no end government relief measures coming to an end, many people are scrambling for ways to make ends meet until the pandemic ends and the employment landscape improves. Until …

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Mind Your Money!

Mind Your Money!

August 13, 2020

Your financial well-being is important, and Alpine Bank is committed to providing you with the resources you need to succeed. We are thrilled to introduce a new personalized financial education tool to help you mind your money. Learn more about important personal finance topics such as budgeting, investing, homeownership, retirement planning and more. Highlights of …

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Q&A with Darla Daniel, Vice President – Trust Counsel, Alpine Bank Wealth Management

Q&A with Darla Daniel, Vice President – Trust Counsel, Alpine Bank Wealth Management

August 13, 2020

Estate Planning 101  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 …

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Scams Target Small Businesses

Scams Target Small Businesses

August 13, 2020

Small Business Fraud on the Rise Small businesses have long been a target of scammers and, as technology continues to advance, the scams have become more sophisticated and harder to defend against.  Businesses need to be on the lookout for these scams, some of which have been around for years, while others are riding the …

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Investing During COVID-19

Investing During COVID-19

August 13, 2020

The arrival of COVID-19 has turned the world upside down over the past few months and that includes many people’s investments. With the onset of social distancing and the shutdown of businesses across the country, many investors saw the value of their retirement savings plummet. Though the market has since rebounded, it is unclear how …

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Small Businesses Surveyed

Small Businesses Surveyed

August 13, 2020

A recent survey from the NFIB Research Center revealed that 27% of business owners reported experiencing a significant or moderate increase in sales as a result of eased restrictions related to the coronavirus.[1] An additional 27% reported a “slight” increase. Forty-two percent reported experiencing no change. National Federation of Independent Business (NFIB) Director of Research …

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Estate Planning Now

Estate Planning Now

July 16, 2020

COVID-19 has reminded people that life is fragile and fleeting. While we’d prefer to focus on things like mindless Netflix shows in the wake of the pandemic, social distancing and stay-at-home orders have provided many people with a lot of extra time on their hands, so it is the perfect time to create an estate …

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Educating Teens about Online Fraud

Educating Teens about Online Fraud

July 16, 2020

Teenagers have been active users of social media for years, and with schools across the country closed for months now and social distancing rules drastically limiting opportunities to interact with friends, their online activity has only increased. Not surprisingly, many cyber criminals are turning to social media as a means of targeting teenagers, and it …

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Q&A with Amanda Miller, Vice President, Alpine Bank Wealth Management

Q&A with Amanda Miller, Vice President, Alpine Bank Wealth Management

June 18, 2020

Q: Did the CARES Act ease retirement account rules? A: The short answer is yes! The recently enacted Coronavirus Aid, Relief, and Economic Security (CARES) Act, together with new IRS and Treasury announcements, have temporarily changed deadlines, age restrictions and dollar amounts for certain retirement account transactions, helping to put a little more money into …

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Debit Card Scams

Debit Card Scams

June 18, 2020

Debit card use is up significantly in the U.S. and, as you might imagine, so are debit card scams. While scammers don’t necessarily discriminate between debit cards and credit cards, consumers are at more risk using their debit cards. That’s because debit cards are connected to a checking account and customers’ hard-earned money.  So, one …

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Businesses Sell on Google Shopping for Free

Businesses Sell on Google Shopping for Free

June 18, 2020

In response to the coronavirus, Google has opened up its Google Shopping platform to businesses for free. Historically, the only way a business could get its products to appear in this high-visibility part of Google was to buy search ads. Now that the coronavirus has led businesses everywhere to struggle to remain open, Google has …

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How can I bank from home, work, or the hills?

How can I bank from home, work, or the hills?

June 18, 2020

It’s easy to bank anytime, anywhere with AlpineMobile[1]. As an Alpine Bank customer, you can stay on top of your finances from wherever you are 24/7. You must already be enrolled in Alpine Online®[2]. Then once you are enrolled, you can sign up for AlpineMobile, and you can use your web-enabled device or a cell …

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Use Credit Wisely in Uncertain Times

Use Credit Wisely in Uncertain Times

May 15, 2020

Relying on credit cards is never ideal, but there are times when it may be a necessity. The emergence of COVID-19 and the extraordinary measures it has necessitated have meant radical changes in the daily lives of people around the world. With people forced to stay at home and businesses having to temporarily, or in …

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Financing College for Your Child

Financing College for Your Child

April 17, 2020

Funding a child’s college education is one of the biggest expenses you will have in your lifetime, so it is never too early to start planning and saving. Just make sure that you are doing so in the smartest way possible and that you aren’t sacrificing equally important things, such as saving for your own …

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How to Avoid Work-from-home Scams

How to Avoid Work-from-home Scams

April 17, 2020

You’ve probably seen the ads on the internet or posted around your town – “Make easy cash working from home, no experience needed.” While it sounds appealing, it’s probably a scam. Most of these “opportunities” are, and they are designed to liberate you from your money. While there are many legitimate work-from-home opportunities, it’s important …

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Q&A with Melissa Knutson, CFP®, Assistant Vice President, Alpine Bank Wealth Management

Q&A with Melissa Knutson, CFP®, Assistant Vice President, Alpine Bank Wealth Management

March 25, 2020

Q: Help! What do I need to do to file my taxes? A: Because the IRS has extended the tax filing deadline from April 15 to July 15, you have some more time. Here’s what you need to do: Locate copies of last year’s federal and state tax returns. It’s always easiest for you or …

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Start an IRA for Your Child

Start an IRA for Your Child

March 23, 2020

Most people open individual retirement accounts (IRA) once they get their first full-time job–typically in their early-to-mid 20s. But if your child begins working at any point before then, starting an IRA for them during childhood, regardless of how young they may be, can give them a huge jump on building significant retirement savings for …

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The Importance of Setting Savings Goals

The Importance of Setting Savings Goals

March 23, 2020

From weight loss to finances, the key to meeting your goals is a clear vision of what you want to accomplish, along with realistic expectations to achieve them. This also holds true for building your savings. Whether your desire is a sizable nest egg for retirement, setting aside money for future generations or funding for …

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IRS Tax Fraud and Scams

IRS Tax Fraud and Scams

March 23, 2020

As tax season approaches, taxpayers need to be on alert for the annual surge in IRS tax scams. Tax fraud can come in many different forms, but it is typically perpetrated through phone scams and email phishing. As with any type of scam, you are the first and last line of defense, so it is …

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Alpine Bank Wealth Management Tops $1 Billion

Alpine Bank Wealth Management Tops $1 Billion

February 20, 2020

Alpine Bank Wealth Management (ABWM) has started the new year by surpassing $1 billion in assets managed for clients for the first time in its history as a division of the bank. “To our clients we say thank you for placing their trust in us,” said Tim Kenczewicz, president of Alpine Bank Wealth Management. “Our …

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SBA Expands HUBZone Opportunities to Small Businesses

SBA Expands HUBZone Opportunities to Small Businesses

February 20, 2020

The United States Small Business Administration (SBA) recently issued a final rule to implement changes to its Historically Underutilized Business Zone (HUBZone) program. The changes are designed to attract small businesses and encourage them to invest in these economically distressed communities that make up the HUBZones. This includes hiring residents from within the HUBZones. According …

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Things to Consider Before Starting a Family

Things to Consider Before Starting a Family

February 20, 2020

Save for Retirement With These Tips Starting a family changes every aspect of your life, particularly your finances. When it comes to family planning, financial planning should be a large part of the equation–whether you are still thinking about starting a family, or if a baby is already on the way.             The cost of raising …

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Telemarketing Fraud

Telemarketing Fraud

January 22, 2020

Telemarketing scammers are relentless in pursuit of your money. With consumer losses estimated at nearly $500 million a year, scammers are applying all means of technology at their disposal to trick victims into opening their wallets. Very often victims are targeted based on information scammers pick up through social media or identity theft. The number …

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Tax Preparation

Tax Preparation

January 22, 2020

When the calendar shows January, it means a new year and a clean slate –the time for setting goals and making resolutions. It is also the time to start preparing your 2019 taxes.             While it’s pretty much a given that nobody enjoys doing their taxes, the earlier you begin preparing, the better off you …

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Add to Savings or Pay Off Debt?

Add to Savings or Pay Off Debt?

January 22, 2020

The importance of saving for retirement cannot be overstated. In an ideal world, everyone would have more than enough money to sock away some each month to ensure that they can maintain their lifestyle, once they are no longer working. In reality, however, life just isn’t that simple. After paying for day-to-day living expenses, most …

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SBA Says Its Lending Shows Strong Economy

SBA Says Its Lending Shows Strong Economy

December 16, 2019

Recent small-business lending has been reflecting strong economic trends, according to the United States Small Business Administration (SBA), which announced its FY19 lending numbers. They show that the SBA guaranteed over $28 billion to entrepreneurs who otherwise may not have had access to capital to start or expand their businesses. Acting SBA Administrator Chris Pilkerton …

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Be On Guard for Cash App Fraud

Be On Guard for Cash App Fraud

December 16, 2019

Unfortunately, new technology also means new opportunities for fraud. Cash apps, such as Venmo, Facebook Pay and PayPal are becoming more ubiquitous. Because these apps link directly to your bank or credit card accounts, they have also become a top target for scammers. Cash app technology opens up several new avenues for scammers who understand …

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Your Budget For 2020

Your Budget For 2020

December 16, 2019

From getting into shape, to eating better and other self-help goals, there is no shortage of resolutions that people make each year–and that includes saving money. Despite the best intentions, most resolutions are abandoned and forgotten by the time February rolls around, largely because people don’t take steps to ensure they can reach their goals. …

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Join Alpine Bank in Supporting the Arts

Join Alpine Bank in Supporting the Arts

October 10, 2019

October is National Arts and Humanities Month, which is the largest annual celebration of the arts in our nation. So, there’s no better time to share how Alpine Bank celebrates the arts in Colorado with the help of our customers. Each time an Alpine Bank customer uses their chosen Arts Loyalty Debit Card, Alpine Bank …

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Mortgage Fraud: Borrower Beware

Mortgage Fraud: Borrower Beware

September 16, 2019

When it comes to mortgages, there are ten ways from Sunday to defraud in the quest to illegally profit from the mortgage loan process. Whether it’s to bilk a financial institution or steal from an individual, mortgage fraud can target either side of a mortgage transaction. Common sense and paying attention to details are the …

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Investing in Education: K-12 and Beyond

Investing in Education: K-12 and Beyond

September 16, 2019

Alpine Bank believes that supporting education is critical to building strong communities. That’s why the bank takes a more is better approach to giving back to a wide variety of education initiatives across Colorado. From rewarding K-12 students for good grades to funding scholarships that can make dreams of college come true, Alpine is determined …

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Diversify Your Investments To Match Your Stage of Life

Diversify Your Investments To Match Your Stage of Life

July 16, 2019

Investing for the future is a long-time commitment, and the sooner you begin, the better off you will be at retirement. The way you approach investing should continuously change to match whatever stage of life you are in to ensure that your investments remain in line with your financial situation and life needs. Investing Early …

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Home Equity Loans: Benefits & Drawbacks

Home Equity Loans: Benefits & Drawbacks

July 16, 2019

From major home renovations, to having to buy a car, the need to pay for a child’s college education or countless other things, there are many reasons why homeowners find themselves in need of money. But when it comes to financing life’s expenses, running up credit cards or taking out a loan may not be …

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Debit Card Scams

Debit Card Scams

May 21, 2019

In the United States, the use of debit cards is rising faster than all other forms of payments. It’s no surprise then that debit card fraud is also rising. The bad news is, with debit cards, consumers don’t have the same liability protections as they do with credit cards so they must be much more …

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529 Savings Plans Can Now Fund Primary Education

529 Savings Plans Can Now Fund Primary Education

May 21, 2019

The quality of education that your child receives will likely have a significant impact on his or her future success. Since quality usually comes at a financial cost that means the need for significant savings to pay for your child’s education, particularly if private school is involved. One of the most popular ways of saving …

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College Planning Tips

College Planning Tips

April 24, 2019

             If you have children, a college degree may well be part of your vision for their future. When it comes to graduating college, however, a large number of students who begin college do not actually complete their degrees –and it isn’t because they are lazy or lose interest. One of the biggest factors that …

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Save for Retirement with a Spouse IRA

Save for Retirement with a Spouse IRA

March 18, 2019

Soaring childcare costs are spurring more and more people –both women and men– to take a break from traditional careers in order to care for school-age children. But that doesn’t mean they should pause their retirement savings as well. Though taking a break from working means an end to regular paychecks and retirement benefits such …

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How to Avoid Work from Home Scams

How to Avoid Work from Home Scams

March 18, 2019

You may be familiar with the ads: easy money (or big paychecks), no experience, one hour a day, work from home. Sound too good to be true? It probably is. In fact, for every legitimate work from home opportunity, there are 70 work from home scams that attempt to rob you of your money. While …

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SBA Touts its Lending Momentum

SBA Touts its Lending Momentum

December 6, 2018

The U.S. Small Business Administration (SBA) recently announced its lending numbers for fiscal year 2018 (FY18), highlighting that it guaranteed more than $30 billion to small businesses that it says would not have had access to capital otherwise. “We are providing tools, resources and access to capital for America’s 30 million small businesses, and our …

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Tackle Estate Planning

Tackle Estate Planning

November 19, 2018

It has been more than 230 years since poet Robert Burns wrote the words “the best laid plans of mice and men often go awry,” yet the phrase remains with us today. While things don’t always go the way we plan, when it comes to your financial and healthcare future, you need to make a …

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Get Your Specific FICO Score Before Borrowing

Get Your Specific FICO Score Before Borrowing

November 19, 2018

If you’ve ever applied for a loan or credit, you are probably aware of the importance of your credit score –the three-digit number used to measure how likely you are to pay back what you borrow.  What you may not be aware of is that you have multiple credit scores specific to different types of …

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