| RBC BANK BEAT
Volume 2 Issue 1
January 2010 | |
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| Dear Friend: |
Happy New Year!
I hope you had a wonderful Christmas season and are now ready to tackle 2010 with enthusiasm! I believe the last couple of years have indicated some behavior problems we as humans, have displayed in the past decade and hopefully have learned not to repeat!
It goes back to the time of Pharaoh and Joseph! As I remember, the Pharaoh had a dream about cows and heads of grain. There were 7 fat cows and full heads, followed by 7 skinny cows and empty heads. Joseph interpreted the dream as a warning that there would be 7 years of feast for their country followed by 7 years of famine.
Because of his correct interpretation, they saved during the feast years to be ready for the famine years! Joseph was promoted and, as far as this story goes, they lived happily ever after.
I'm afraid we didn't learn much from the story because we all know that the economy is cyclical. In other words, we are in a constant cycle between prosperity and depression. Sometimes we never truly make it to the top or bottom before heading back in the other direction. Many scholars predict where we are now and where we are headed, but sadly, it isn't a science.
Why in 2005 and 2006, when most would say we were in a prosperous period, did we actually have a negative savings rate? We actually spent more money than we made in the good years. Then the cycle turned and few were ready! We are going to try over the next several months, to play the part of Joseph. We want to give you an idea of what is happening in the world of finance. We are not financial advisors but we can give you some information to help you be ready for the future "famines"!
Thanks for your trust and Good Luck in all of your 2010 endeavors!
Chad L. Hoffman
President/CEO
The Richwood Banking Company |
| Doc Henderson's |
 Doc Henderson's is located at 318 E 5th Street, Marysville, Ohio. It is owned and operated by Robert & Elizabeth Meeder. The Henderson home was built in 1884 for Dr David Henderson, a Marysville physician. The home changed hands several times over the next century. Most recently it was purchased by Susan & Barry Cordell and was made into a Castle Bed & Breakfast and Antique Shop. Robert & Elizabeth Meeder purchased the Henderson House in 2002 and it spent three years as the home of Elizabeth's antique business. In 2005, another transformation began. A 15 month renovation restored the 19th century mansion and now showcases Doc Henderson's American bistro cuisine in a historic setting. |
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Click below on the company name, to be taken directly to their website.
Quick Links |
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MOBILE BANKING |
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Our newest service is Mobile Banking. This allows you to do your banking on your cell phone. This service is free of charge except for any charges for data plans or texting by your cell phone provider. You must first already be enrolled in online banking, and you must have a web based browser on your cell phone. You can view balances, find our ATM locations, or view maps to find our branch locations. Additionally, account alert notifications such as low balance alerts will be coming soon. To enroll, log in to your online banking. Click on the Options tab and scroll down to the Mobile Banking section. Click Edit. Then you need to fill in your mobile phone number, your mobile phone carrier, and a 4- digit pin number that you create yourself. Then click Confirm. If you don't have texting or prefer email, you will need to select NO CARRIER here and it will ask for your email address instead of your mobile phone number. Once this is completed, you will receive the link to the Mobile Banking website with a one- time password. After receiving the link to the Mobile Banking website, you need to click on the link from your cell phone and it will take you to the Mobile login page. You can also go to www.richwoodbank.com on your cell phone and click on the Mobile Login page. If you click on the link provided with the one- time password, all you will need to do is put in our access ID that you use for online banking and the 4 -digit mobile pin that you set up during the enrollment. If you went to our website, and clicked the Mobile Banking link, you will need to put in your access ID, the one- time password you received from enrollment and your 4 -digit pin. Click Submit. This will bring you to your account balances. If you click on Menu, you can access our other features. If you have any questions please feel free to contact us at 740-943-2317. |
| Brain Strain |
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The Bowl Championship Series (BCS) has beeen around since 1998. What school was the first BCS football champion?
Email me @ aalbert@richwoodbank.com with the correct answer. Please include your name & address. |
| DECEMBER'S BRAIN STRAIN WINNER |
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Congratulations to Sandy Snodgrass for knowing the correct answer to December's Brain Strain question. Sandy's name was drawn from correct emailed entries.
Sandy received a Richwood Banking Company note pad, pen, and key chain.
Q. In what year did Ohio State win their first National Championship and who did they play?
A. The Correct answer is 1942 Beat Iowa Seahawks!
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| Getting to know your banker! |
My name is Hannah Endres. I have been a customer service representative at the Marysville Branch for two years. I graduated in 2007. This is my first job. (And hopefully my last too! J ) I've always loved counting things, so this job allows me to do what I love daily. I recently got engaged to my boyfriend of almost 2 years. I look forward to planning a wedding for either late spring, or early summer! In my free time I love knitting, playing guitar, and I'm sadly a VH1 and MTV junkie. I'm practically addicted to Reality TV shows! I love food! I'll eat pretty much anything, but I especially love sushi, chips and salsa, and lasagna. |
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Cooks Corner |
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2 c. Shell Macaroni, cooked
1lb. Hamburger, browned
1 chopped onion
1 (4 -oz) can sliced Mushrooms, drained
1 (10 -oz) can Pizza Sauce
1 (4-oz) can Tomato Sauce
1 c. shredded Parmesan Cheese
1 c. Pepperoni, chopped
dash Oregano
Salt
Pepper
Place ingredients in a casserole dish and top with 1 cup mozzarella cheese. Bake @ 375 degrees for 45 minutes, covered. |
| FYI |
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Ways to Combat the Winter Blues
1. Keep Busy - The busier you are, the less often you'll become aware of how dim and dark the days are, and how much you long for shorts and warm breezes.
2. Get Exercise - Your body is likely to feel healthier, and in turn your mind will be more peaceful, if you make sure you get regular exercise each week.
3. Keep Your Space Clean - A person's domestic haven tends to get filthy during the winter, and this can affect your health to the extreme.
4. Eat Healthy - You are what you eat, and don't ever believe it's not true.
5. Don't Drown Your Sorrows - Alcohol is a depressant, that's a fact.
6. Hunker Down and Work - All those projects you've been planning throughout the year? Now is the time.
7. Treat Yourself - Let's be honest, everyone needs a pick-me-up sometimes.
For additional information on this, go to www.bukisa.com/articles/20750_ways-to-combat-the-winter-blues |
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