Year-end Charitable Gifts

Year-end Charitable Gifts

December 6, 2018

           With the holiday season already upon us and the calendar year rapidly winding to a close, it is once again time to start thinking about gift-giving–from presents for family and loved ones to charitable contributions made to nonprofit organizations. In the wake of last year’s year-end tax changes, however, you may want to consider …

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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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Stop Fraud Colorado!

Stop Fraud Colorado!

November 19, 2018

As part of wishing you a happy holiday season, Alpine Bank wants to share some tips from the Colorado Attorney General on how to keep your holiday fraud free. Unfortunately, this time of year provides opportunities for unscrupulous individuals to take advantage of our generous natures. Be alert for charity scams, identity theft and different …

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Making Your Accounts More Secure

Making Your Accounts More Secure

October 5, 2018

Here are six Cyber Security tips to make your accounts even more secure: TIP #1 – Multi-Factor authentication and notifications Enabling login notifications, account notifications, and multi-factor authentication on all of your accounts can greatly reduce the effects of your password getting compromised. • Turn on Login notifications. • Enable multi-factor authentication or one-time passcodes …

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Small Businesses Pleased With Business Conditions

Small Businesses Pleased With Business Conditions

October 5, 2018

CNBC and SurveyMonkey recently announced results from their quarterly small business survey. Every quarter, the two organizations poll over 2,000 small business owners to “measure the vitality of the American economy,” and get a sense of how small business owners view the current landscape. Fifty-eight percent of small business owners believe overall conditions are good. …

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Retirement Planning: Professional Help Can Pay Off

Retirement Planning: Professional Help Can Pay Off

October 5, 2018

Gone are the days when retirement meant the ability to live comfortably off payouts from a pension plan and Social Security benefits. People are living longer, increasing the odds that the average retiree will face significant medical expenses or long-term care. Planning for retirement has become more important than ever. According to the U.S. Census …

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Small Business Perks Top Pay Raises

Small Business Perks Top Pay Raises

September 19, 2018

SCORE, a network of volunteer business mentors, recently released a survey indicating that perks may be more important to small business workers than making more money. Four out of five employees indicated that they prefer benefits or perks to a pay raise. According to SCORE, employers are keen on this concept as well. Still, 42 …

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Life Stages Affect Your Finances

Life Stages Affect Your Finances

September 19, 2018

For the average five-year-old, five dollars from the tooth fairy seems like a lot of money. Once children grow up and begin to have an understanding about what things cost, five dollars is no longer quite as impressive. The stages of our lives determine how we value money and how we look at saving it. …

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Change Matters!

Change Matters!

September 19, 2018

Did you know that Alpine Bank’s debit card rewards program rounds up to the next whole dollar every time you use your Alpine Bank Visa® debit card? Once you enroll in Change Matters®, the rounded-up amount from each transaction is then transferred from your checking account into your designated Alpine Bank savings or money market …

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Help Your Kids Learn About Money

Help Your Kids Learn About Money

August 16, 2018

While the income of your children may be limited to an allowance and cash gifts for birthdays or a tooth fairy stipend, the importance of teaching children how to manage their “finances” cannot be overstated –especially since parents’ attitudes about saving and spending heavily influences their children. A recent study found that a child’s attitude …

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Start Planning for College Early On

Start Planning for College Early On

August 16, 2018

Most parents envision their children heading off to college and maybe even graduate school after that. While college may be years away, it is never too early to think about how you will finance your child’s higher education. College isn’t getting any cheaper, and it is unlikely the price tag for a four-year education is …

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Why You May Want to Consider Establishing a Trust

Why You May Want to Consider Establishing a Trust

July 20, 2018

If you’ve always thought that trusts are something for only the wealthiest people in society who have hordes of money to pass on to their children and grandchildren, think again. While it’s true that wealthy families often establish trusts for their heirs, trusts also offer advantages for people with more modest assets. Trusts allow you …

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The Importance of Midyear Financial Reviews

The Importance of Midyear Financial Reviews

July 20, 2018

With summer here, taxes are probably the last thing on your mind. They shouldn’t be. Summer means we’re halfway through the year, so now is the time to do a midyear review of your financial situation. A midyear review gives you the opportunity to see how your finances compare with the goals you set at …

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Now is a Good Time for Growth

Now is a Good Time for Growth

June 22, 2018

Small business owners have been generally optimistic throughout 2018 so far, and that positivity appears to be sticking around. According to a recent survey from WalletHub, seven out of 10 owners find the present to be a good time for growth. The company’s 2018 Small Business Owner Survey also found that over a third (38 …

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Alpine Bank Opens New DTC Branch

Alpine Bank Opens New DTC Branch

June 22, 2018

Alpine Bank’s new Denver Tech Center (DTC) location is open for business. DTC is the bank’s 39 th Colorado location and Alpine’s third Denver branch, joining Cherry Creek and Union Station. “On behalf of our Denver Tech Center team, we’re thrilled to bring Alpine Bank’s brand of outstanding customer service to the rapidly growing South Metro …

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Death and Taxes

Death and Taxes

June 13, 2018

They say the only things certain in life are death and taxes. We thought we could help with the latter. If you typically itemize deductions on your tax return, you may want to rethink that decision due to changes brought by the Tax Cuts and Jobs Act. To help, the Internal Revenue Service is encouraging …

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So You’re Planning a Wedding

So You’re Planning a Wedding

May 22, 2018

Planning a wedding can be lots of fun. It can also be expensive. The average wedding in the U.S. cost $33,391 in 2016, according to The Knot’s 2017 Real Weddings Study. If paying for a wedding is in your future –either yours or your child’s – the first thing you should plan is a spending …

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Quick Tips: Improve Your Credit Score

Quick Tips: Improve Your Credit Score

May 22, 2018

While a single missed or late payment on a credit card or loan won’t destroy your credit score, it doesn’t take much to negatively impact your credit rating, and the damage can be long-lasting. Damage to your credit score can last for as long as seven years, or ten years in the case of bankruptcy. …

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SBA Training Targets Small Businesses for High Growth

SBA Training Targets Small Businesses for High Growth

May 1, 2018

The United States Small Business Administration (SBA) recently announced the launch of its 2018 Emerging Leaders initiative aimed at executives of small businesses with high-growth potential in emerging markets. The initiative aims to provide free entrepreneurship education and training for executives of “small, poised-for-growth companies that are potential job creators.” According to the SBA, the …

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What to Know: Preparing Your Taxes Next Year

What to Know: Preparing Your Taxes Next Year

May 1, 2018

You are likely aware that in 2017 Congress enacted the Tax Cuts and Jobs Act, which implements major tax reform.. While some of the most widely discussed aspects of the changes have to do with businesses, there are also some significant changes affecting individuals. Tax season is over for the 2017 tax year, but it …

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Why HSAs

Why HSAs

March 13, 2018

No matter how old you are, medical expenses are unpleasant and often exorbitantly high. As we get older and the need for healthcare increases, so too do healthcare costs. So if you are among the growing number of people with a high-deductible health insurance plan (HDHP), you’ll want to give serious consideration to a health …

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Small Businesses Gaining Interest in Loans

Small Businesses Gaining Interest in Loans

March 13, 2018

Pepperdine University’s Graziadio School of Business and Management recently released its quarterly Private Capital Access Index report, which is designed to gauge small and medium-size business demand for financing and the accessibility of private capital. The report is based on 1,341 responses collected October 31 – November 15, 2017 from businesses with revenue up to …

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National Small Business Association Surveys Businesses About Regulations

National Small Business Association Surveys Businesses About Regulations

January 30, 2018

The National Small Business Association (NSBA), which bills itself as “the nation’s first small business advocacy organization,” recently conducted a survey among 1,000 small-business owners, on how government regulations affect them. The survey was conducted between President Trump’s election and his inauguration from November 28, 2016 through January 10, 2017. The survey found the two …

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Know Your Tax Talk

Know Your Tax Talk

January 30, 2018

As the adage goes, “nothing can be said to be certain except death and taxes.” While we all hope that the former is a long ways off, it is once again time to deal with the latter. Following are a few things you’ll want to be sure to keep in mind when preparing your tax …

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