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Making a Down Payment on a House¶
(American Riviera Bank) - In part three of our National Homeowner Series, we explore down payments. A lot goes into buying a home, but one of the biggest hurdles for many is saving enough for the down payment.
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Working with a Mortgage Lender¶
(American Riviera Bank) - As we continue our series for National Homeownership Month, let's talk about the relationship between the homebuyer and the mortgage lender. Finding the right mortgage lender and knowing what to provide them is crucial to the buying process.
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Buying a Home¶
(Idea Vault Blog) - It's National Homeownership Month! If the pandemic taught us one thing, it was that our living spaces are important to our emotional wellbeing. The allure of more space drew many from the cities to the suburbs over the past year and upgrading to something larger also became cruc…
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Registration Opens for the Restaurant Revitalization Fund on Friday April 30, 2021 at 6 AM PST!¶
(Laurel Sykes) - The Restaurant Revitalization Fund was created with appropriations of $28.6 billion to assist restaurant owners in the form of a grant administered directly through the SBA. The SBA has since issued information on the grant process and application, with registration beginning on Ap…
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The 50/30/20 Rule of Budgeting¶
(Idea Vault Blog) - The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that's easy and effective. It offers guidelines for enjoying your income while putting savings on autopilot.
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Talking to Your Partner About Money¶
(Idea Vault Blog) - When it comes to talking with a spouse or partner about money, many people shy away. It can be scary—but it doesn’t have to be. Positive and frequent communication is key.
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ARB Clients Successful in obtaining $65 million in PPP Loan Forgiveness To-date!¶
(Laurel Sykes) - Data as of April 1, 2021 reported by the SBA shows that only 40% of the $521.2 billion in PPP loans has been forgiven to-date. While the national average reported by the SBA shows that only 46% of total 5.2 million in PPP loans have been forgiven, ARB has been successful in obtaini…
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Teaching Children About Money¶
(Idea Vault Blog) - April is National Financial Literacy Month so we are focusing this month on topics around healthy spending, saving and more. Today's topic? How to teach kids about money. Whether to your own children, grandchildren, and nieces and nephews or the child of a close friend, one of…
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What is Financial Literacy?¶
(Idea Vault Blog) - Financial literacy includes many different financial skills and concepts; to be financially literate simply means having the know-how to make wise decisions with your personal finances—like managing a budget, borrowing money, paying for insurance, and saving for retirement.
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SBA Issues New Interim Final Rule Revising PPP Loan Calculation for Self-Employed Individuals¶
(Laurel Sykes) - You may have heard that the Biden administration mandated certain reforms to the PPP eligibility rules. The administration also pushed for a 2-week window where only small businesses with 20 or less employees will be approved by the SBA through March 9, 2021. In response to the man…
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