Community Shred Day Scheduled for Sat., September 20th

iStock_000002827290LargeAlpine Bank and Paper Recovery Service Corporation, a secure shredding solutions company, are partnering together again to hold Alpine Bank’s annual fall Community Shred Day on Saturday, September 20, 2014, from 9 a.m. to Noon in the parking lot of Alpine Bank’s Belvidere Downtown Branch at 600 South State Street, in Belvidere. Alpine Bank Community Shred Day is a FREE event open to the entire community. Attendees, without leaving the comforts of their vehicles, will be able to drop off their documents at the “shredding drive-thru” and watch Paper Recover shred them during the event on site free of charge.

People are invited to bring a maximum of 2 boxes of the following materials to be shredded: clean paper of any color, file folders of any color, papers containing staples, paper clips, rubber bands, and/or small binders. Materials that cannot be shredded include: trash, cardboard, telephone books, hardcover books, hanging folders, 3-ring binders, lever-arch binders, and any plastics, including computer disks, CDs, DVDs, VCR tapes, ID badges, x-rays, transparencies, etc.

Identity theft continues to be a serious growing crime in the United States. As noted on the Federal Trade Commission’s Web site, nearly 9 million Americans are victims of some form of identity theft each year. Shredding personal documents and information is just one way to avoid becoming a victim. At one of our Community Shred Day events, Alpine Bank shredded a world record, collecting an astounding 253,318 lbs. of shred, which is more than the combined weight of all of the steel parts in the Statue of Liberty.

Alpine Bank hosts two Community Shred Days each year – one in the spring and one in the fall.

More Information
For more information about this Community Shred Day, visit www.bankalpine.com or call 815.398.6500. For more information about identity theft and other important security tips, visit https://www.bankalpine.com/security-privacy.

About Paper Recovery Service Corporation
Based in Loves Park, IL, Paper Recovery Service Corporation provides solutions from secure document destruction to recycling for businesses in manufacturing, retail, or professional services.

 

 

 

 

Alpine Bank Welcomes Cass Wolfenberger and Michael Urnezis

CW_MU

The Alpine Bank Family is pleased to welcome Cass Wolfenberger, Senior Vice President Mortgage Banking, and Michael Urnezis, Vice President Wholesale Lending.

Mr. Wolfenberger has been providing mortgage expertise to homebuyers, for over two decades.  He was employed by Alpine Bank before becoming an owner and co-founder of a successful, local mortgage banking firm.  He says, “That experience gave me the global view of not only the entire mortgage supply chain, but also the business practices required to be successful in a highly complex and competitive environment.”

As a Rockford native, Mr. Wolfenberger continues to give back to the area by volunteering for United Way, Breast Cancer awareness events and Northern Illinois Food Bank.

Mr. Urnezis has been in the financial industry for 20 years, with 16 of these years in the mortgage lending field.  He was an owner and co-founder of a mortgage banking firm, along with Mr. Wolfenberger.   A graduate of Illinois State University with a degree in Finance, Mr. Urnezis was born and raised in Rockford and currently resides in Boone County.

He remains active in the community by being a charter member and board member of The Parks Kiwanis Club and is active in Boy Scouts and Cub Scouts.  In addition to his community involvement, he enjoys spending time with his wife and three sons.

5 Simple Steps to Creating a Budget

Simple Steps for Creating a Budget from Alpine Bank
The first step to saving more is creating a budget for your personal finances. Knowing how to properly budget is a skill that will be helpful throughout all of life. While it is advised to start at a young age, it is never too late to learn. Whether you have been budgeting for years or are just beginning, Alpine Bank wants to offer five steps for creating a successful budget. We hope you find these helpful and incorporate them into your life.

  1. Gather all financial information from bank statements, bills, income and anything else that states where your money is going and coming from.
  2. Take note of all income. Whether you have a full time job, are self-employed, or have an occasional garage sale, write down how much you receive.
  3. Write down all expenses you have in any given month. These may be bills, groceries, gas, entertainment, college, retirement or gifts. Break these expenses into fixed and variable categories. Your fixed expenses are those that cannot change in order to live, while variable expenses can change. 
  4. Calculate the difference between your income and expenses. If your income is higher than your expenses, you are in good shape and can start saving more or paying off debt. If your expenses are more than your income, you may need to make some adjustments.
  5. Review your budget frequently to ensure your income and expenses are all lining up. Make adjustments as needed to stay debt free. Remember to prepare for expensive times of the year like Christmas and summer vacations.

Alpine Bank encourages you to take steps necessary to save more money. We know life can be busy, but taking time to create and use a budget will be beneficial in the future. Contact Alpine Bank for your financial questions and concerns. 

5 Ways to Save More this School Year

Save with with these back to school tips from Alpine Bank
As the school year approaches, you may be calculating the
many expenses to come. While this can be an exciting time of year, it can also
be very expensive. At Alpine Bank, we
understand the importance of saving and budgeting for all of life’s demands. While
your schedule may be filling up with school activities and sports, we hope you
keep in mind simple ways to save.

  • Before buying new school
    supplies, take inventory of what you already have around the house. You
    will be surprised with the pens, paper, and other items you find from
    previous years that are still in good shape.
  • Shop alone to avoid
    pressure from kids to buy items you don’t really need. Kids may also ask
    for the more expensive option and cause your bill to sky rocket. Shop
    alone to purchase only what you need at the lowest price.
  • When the school shopping
    rush is over, hit up the stores to find bargains on supplies to use down
    the road.
  • When looking for back to
    school clothes, look first at second hand and consignment stores. They
    offer reasonable prices and have items your kids are sure to love.
  • Compare the cost of school
    lunches to sack lunches from home. By packing a lunch every day, you may
    save money and provide a healthier option for your children. Write a
    little note and stick in their lunch for some mid-day motivation.

Alpine Bank
understands you are busy, which is why we hope to serve all your financial
needs. We encourage you to lay out your finances for each month and plan ahead
to ensure you are fully prepared. Take steps to save this school year and have
more to spend in places that matter most. Alpine Bank can be reached at
815.398.6500 or stop by one of our locations today to see how we
can help.

7 Steps to Successfully Complete a No Spend Challenge

Saving money

Make up for overspending this summer by completing a No Spend Challenge for 30 days! It’s easier than you think!

It’s easy to spend a ton of money during the summer. You want to vacation, attend county fairs and concerts and splurge on new summer clothes. Alpine Bank doesn’t want you to put yourself in a rut, but how can you break your bad spending habits and save? We’ve got answers for you. Complete a 30-Day No Spend Challenge! It sounds intimidating, but it can be done if you follow these guidelines. If it’s just too difficult, start slow. Complete a 7-Day No Spend Challenge, take a break, then try to abstain from spending for two weeks. You can work your way up to the 30-Day Challenge.

If you’re ready to take on 30 days of no spending, check out these tips to make sure you’re successful.

Don’t purchase anything you don’t need to live for 30 days straight. This limits you to food and medicine.

For food, only buy what you need to complete recipes you can make with mostly ingredients you already have. We all have cabinets full of canned food, pasta and other non-perishables that we don’t put to use. If you can, don’t buy any new food at all throughout the 30 days. Make it a goal to use up everything you already have. Get creative with your meals and use leftovers for lunches instead of making sandwiches, which forces you to run out of bread, cheese and meat quickly.

No new toiletries – make do with what you have and samples.

Try public transportation for 30 days. For close trips, use a bike or walk.

Cancel your cable and Internet for 30 days. Complete your online work AT WORK or start going to the library.

Need entertainment? Reorganize and de-clutter. You’ll find old treasures, like old movies and books, that you can enjoy. If you know you won’t enjoy them anymore, donate them.

Focus on projects you can do around the house to keep you busy. Scrapbook, write down recipes, keep a journal, paint or read. You can do these things without spending money and they’ll make you feel productive.

Don’t stockpile! Stockpiling with food and other supplies before you begin your 30 days defeats the purpose of the challenge. It’s meant to help you use up all the great food and products you already have and help you save.

Completing a 30-Day No Spend Challenge will show how much money you spend on things you don’t really need, and maybe don’t want. Living the “simple life” for 30 days might make you happier too, and give you more quality time with your family and friends.

Drew Brauer Promoted to AVP – Application Support

John Vanderheyden, Alpine Bank EVP of Operations, is pleased to announce Andrew “Drew” Brauer has been promoted to AVP – Application Support. Mr. Brauer has been periodically involved in the banking industry for over 30 years. He first joined the Alpine Bank Family in BrauerDrew_01_20131980. After experiencing other career opportunities, he returned to the bank in 2007 as Branch Manager of the Roscoe location.

Mr. Brauer stated, “My experiences and skills have given me the ability to start…organizations, by building a cohesive team that shares the vision, and lead those organizations to grow and succeed.”

As a Rockford area native, Mr. Brauer continually gives back to the community he serves. He is a member of the Roscoe Chamber of Commerce, teaches banking fundamentals at Hononegah High School, and mentors Hononegah students through their Readiness in the Workplace program.

4 Free Workouts for This Summer

Cheap workout ideas

If you want to save money and skip the gym membership this summer, check out these workout ideas that are free, like water aerobics.

Everyone is talking about their summer workout plan and getting that bikini body, and all you can think about is how expensive those fitness classes and boot camps are! Alpine Bank understands. We know you want to save this summer and still be active and fit. Instead of spending your summer trapped in the gym, why not enjoy the great outdoors and get a workout at the same time, for free?! Check out our list of totally free workouts!

Go Geocaching

Geocaching is just a cool word for treasure hunting with GPS coordinates available on geocaching websites. Look online for local parks with geocaching opportunities. Make it a workout by trying to reach the stash in a certain amount of time.

Get Climbing

Who needs the gym rock wall when you can climb a tree? Have a buddy on stand-by just to be safe, and only climb trees with sturdy limbs.

Use Water (and Sand!) Resistance

Get in the water, squat, and shuffle from side to side, staying low. Try going faster or digging your feet into the sand for more resistance.

Get closer to nature

Who needs gym equipment? Use rocks, park benches and logs for dips and step-ups. Use a low tree limb as a pull-up bar. If you want a bicep workout, throw a rope around a tree and over a low branch. Hold the ends of the rope and stand where there is only a little slack. Lean back and use your biceps to pull you upright. Try using one leg and bending the other for a harder challenge.

You can get in shape this summer and still save money! These workouts give you a chance to enjoy the summer weather while being active. It’s all about being creative with your workouts and thinking outside the gym!

Junior Golfers Chosen for Alpine Bank Pro-Am Foursome

Pro-Am_Image

For the sixth year in a row, Alpine Bank has selected four up and coming golfers to play in the Alpine Bank foursome at this year’s Rockford Pro-Am on Monday, July 14, 2014. Alpine Bank is pleased to announce that its foursome will include: Lexi Graf, Aren Boxleitner, Marcus “Reid” Anderson and Joey Watts.

Alpine Bank returns this year as a prime sponsor of the Rockford Pro-Am. Like the last five years, the bank is choosing to fill its foursome with young, aspiring golfers, giving them the once-in-a-lifetime opportunity to play in such a prestigious event alongside golf professionals. In April of this year, the bank extended a special invitation to young golfers to apply to play in the Alpine Bank foursome. The application process involved an application where applicants noted their golf skill/ability, extracurricular activities and a personal statement explaining how playing at the Rockford Pro-Am would benefit them. In addition, each applicant was asked to submit a one-page letter of recommendation from a non-family member (i.e. coach, teacher, mentor, etc.). Fifteen junior golfers from the area applied to play. A selection committee reviewed the applications.

“I would like to thank all of the talented, young golfers who applied,” said Matt Roegner, executive vice president of Alpine Bank. “We were pleased to receive applications from so many skilled players, all of whom anyone would be proud to have on their team.”

In the coming weeks, Alpine Bank will choose the PGA Pro Golfer who will play alongside these talented individuals.  Last year’s foursome, with Kenny Perry, took second place in the tournament.

Alpine Bank will be hosting a special luncheon for the foursome players, as a special thank you and to become acquainted with one another.  Following the luncheon, the players will be treated to a round of golf at Forest Hills Country Club.

About Rockford Pro-Am     
The Rockford Pro-Am is the nation’s longest-running, free-standing pro-am not associated with a professional tournament. This year it will be held at Forest Hills Country Club on Monday, July 14, 2014, and will feature amateur foursomes paired with professional golfers. The foursomes play in a best-ball handicapped format, while the pros keep straight 18-hole scores. Cost is $5 and tickets are available at the gate. Parking for the Pro-Am will be available at the Kraft Food lots on Forest Hills Road and the Sears Essential lot on Riverside Boulevard. A continuous free shuttle bus will run from Sears Essentials to Forest Hills Country Club from 8:00 a.m. to 6:00 p.m. For more information, visit www.therockfordproam.com.

4 Affordable Home Improvements for Summer

 

Cheap home improvements

Making your home look better doesn’t have to be time-consuming or expensive. Painting your front door is just one fun and quick way to spruce up your curb appeal.

Alpine Bank would like to offer you 4 affordable ideas for sprucing up your home this summer. With flowers in bloom and the sun shining bright, there is no better time to freshen up your house. Home is a place where family and friends gather and memories are made. Make this summer one to remember with several fun home projects to take on. Visit our site today to find services to help you with all your financial needs.

  1. Our first suggestion to creating a fresh look in your home is to paint the front door. While this may seem like a small change, it will make a big difference. A colored door can show your personality and set you aside from neighbors
  2. Our second suggestion is to add plants inside the home. A potted plant can be placed in the entrance to the home, kitchen, living room, or sun room, or anywhere it can receive proper sunlight. Plants have been shown to increase oxygen, improve mood, and increase focus. They are an easy find at any flower shop or farmer’s market.
  3. Our third suggestion is to replace old light fixtures with new. They can be installed easily and greatly change the feel of a room. A statement light shows that you care about the details of your home and value individuality. Go as extravagant or conservative as you feel to brighten up any room.
  4. Our fourth suggestion is to care for floors frequently and thoroughly. When floors are neglected, they collect dust and dirt that can cause scratching and long term expensive damage. By simply dusting and mopping a couple times a week, you will keep high traffic areas safe from scratches.

Alpine Bank encourages you to save money and make affordable home improvements this summer. We hope you keep us in mind when making financial decisions and don’t hesitate to drop in or give us a call today! Member FDIC.

3 Trends in Retirement Happening Today

Retirement trends

People are working longer than ever. Learn how trends like these can affect your retirement and what Alpine Bank can do to help!

Trends in today’s world are constantly changing. In pop culture, celebrities have a major influence of what is “in” and what is “out”. Movie star’s personal lives are studied for the smallest mistakes and political figures are distorted in messages received by the public. Our world is changing and it is important to stay in touch with areas that may affect you. Trends in retirement are changing and affect the lives of almost everyone. Whatever stage of life you are in, it is never too early to start thinking about your life after work. Alpine Bank is here to provide retirement expertise and Traditional and Roth IRA’s to fit your needs. We invite you to visit our website today and allow us to serve your financial requests.

Trend #1:

Semi-retirement is a common occurrence in the lives of many retirees. After they leave their full time jobs, they may take up part time work to make ends meet. It may be due to a lack of pension plans or forced retirement in the work place. By being aware of this, we hope you consider building a secure savings account today.

Trend #2:

A common belief is that those with higher incomes can and will retire earlier. However, those in high paying jobs often want to keep working and are able to. Individuals with lower income positions have had a different experience in the work force and may want to take advantage of retirement benefits as soon as possible.

Trend #3:

Social Security is now allowing people ages 62 to 70 to continue working while building up credit. They can keep working and receive the same lifelong benefits. Companies are also starting to allow their employees to retire when they want without the pull of a pension plan or forced retirement.

It is never too soon to start financially planning for your retirement. We encourage you to open a savings account with Alpine Bank and start saving today! Member FDIC.