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For small businesses, offering a retirement plan such as a 401(k) or SIMPLE IRA is much more than an employee perk. It’s a powerful way to attract and retain talented employees. Yet for many business owners, the cost of starting and maintaining a plan has been a barrier. The expenses involved –from administrative fees to employer contributions – can feel daunting…
Recordkeeping is the backbone of employee retirement plans. It ensures that contributions are tracked accurately, investments are properly managed, and employees can confidently monitor their progress toward retirement. But these days, industry consolidation is reshaping who performs this critical function. Providers are increasingly exiting this line of work and transferring recordkeeping to others. If your business sponsors a 401(k) or other…
Ephrata National Bank is pleased to announce the promotion of two ENB employees – Krystle Buchter and Andrea Devine.
Ephrata National Bank is pleased to announce the promotion of three ENB employees—Randy Covington, Matthew McKinney, and Tyler Trettin.
Homeowners Beware: Don’t Be Fooled by Mortgage Relief Scams When times are tough, you can count on scammers to take advantage of the situation. Homeowners who are experiencing financial hardship and have fallen behind on their mortgage payments are particularly vulnerable to these crooks. Fraudsters promise to help homeowners avoid foreclosure, but they just end up causing more harm. In this…
Whether you’re a first-time homebuyer or just haven’t gone through the process in a while, you may be wondering what mortgage points are and if paying for points is worth the cost.
Should you tap into your home equity before you retire? Learn about the best uses for a home equity line of credit and when you should open one.
Planning an estate is challenging, and it becomes even more complex when you worry that your child might not handle their inheritance responsibly. As a parent, you want to secure your child’s future without risking misuse of your hard-earned legacy. Fortunately, there are effective estate planning strategies to help you protect your assets and ensure they’re used wisely. Here are…
Protect yourself from check fraud. Learn common scams and effective prevention strategies.
Finding the perfect house for your family is one of the most important parts of the homebuying process. But it’s not the only thing you need to do to get ready for the transition from renter to homeowner. You also want to get the low interest rate on your home loan that will support a monthly payment that makes you comfortable. If you are worried that rates will rise between the time you apply for your mortgage and the closing date, you can lock in your mortgage interest rate early in the process. Here’s what you need to know:
