Coastal Community Bank

Managing your finances can be stressful. We might have something that can help. Introducing our 'Financial Wellness Assessment' tool! Take a step back and analyze your spending, budgeting, and saving habits. Reflect on your financial management and get personalized recommendations to improve your financial health. - Address your individual financial decisions and goals - Receive actionable tips on where to improve and how to get started - Access a wealth of online resources designed to help you achieve financial freedom Give it a go here : https://lnkd.in/g_zYCwct #FinancialWellness #PersonalFinance #Budgeting #Saving #FinancialFreedom

Cybercriminals are coming after your Microsoft Forms. Microsoft Forms are used to create surveys, quizzes, and other documents. Unfortunately, cybercriminals are using this tool to create forms that contain malicious links. These fake forms can easily fool you into thinking they’re official Microsoft documents because they have convincing titles and use Microsoft icons. In this scam, you receive an email instructing you to urgently change your password, read messages, or look at sensitive work documents. Don't be duped. Use these tips to protect yourself: • Be cautious whenever you receive an urgent request, such as changing your password or viewing sensitive documents. Remember that cybercriminals play on your emotions by forcing you to act quickly. • Before you click a link, always hover your mouse over it. Watch out for spelling mistakes or suspiciously long URLs that can hide a website's true domain. • If you receive a suspected phishing email, follow your organization’s policies for reporting suspicious emails. #scams #cybersecurity #hackers #besafe #emailscams #businesstips #watchout

Managing and sending multiple emails a day while also running your business can take unnecessary time and effort - especially if you have a tool like AI to help you now. When using Chat GPT, Copilot, or other AI writing tools - you will need a solid 'prompt' to get you started. A prompt is an instruction to an AI tool to create an output. Here is a solid example. In this case, for a lawn care business: "You are the owner of a small lawn care business. You provide lawn mowing services to clients throughout the summer. You are sending an email to them in March to confirm they would like to re-enroll in lawn care service in the upcoming months. Provide a subject line and email body with three different CTAs: Keep my service the same, learn about additional services, or discontinue service." The instructional prompt should yield a well-crafted message that you can edit, save, and reuse. For a full breakdown and more information, give our latest AI blog a read under the resources tab at https://lnkd.in/g4rZEbXu #AI #ChatGPT #BusinessTips #SmallBusiness #Business #Email #Writing

Stupid Tax: We’ve All Paid It! Hey, savvy spenders! Ever heard of the stupid tax? It’s that extra cost we pay for making silly mistakes or bad decisions. We’ve all been there, right? Here are some classic examples: Late Fees: Forgot to pay that bill on time? Oops! Parking Tickets: Misread the sign? That’ll cost ya! Impulse Buys: Bought that gadget you didn’t need? Guilty! Subscription Overload: Still paying for that gym membership you never use? Now it’s your turn! Share your funniest or most frustrating stupid tax stories in the comments below. Let’s laugh (or cry) together! #MoneyTips #Budgeting #MoneyMatters #Subsriptions #Overspending #Money #SmartSpending

Hey, foodies! 🥑🍞 In July, the USDA released reports for four different monthly food plans to help you budget for a healthy diet. Each plan outlines the quantities of food and beverages you can buy to prepare healthy meals and snacks at home. - Thrifty Plan - Low-Cost Plan - Moderate-Cost Plan - Liberal Plan Here’s what a Female aged 19-50 spends per month on groceries according to these plans: -Low-Cost Plan: $261.10 -Moderate-Cost Plan: $319.20 -Liberal Plan: $406.80 And for a Male aged 19-50: -Low-Cost Plan: $301.30 -Moderate-Cost Plan: $377.80 -Liberal Plan: $460.10 Check out our Grocery Budget calculator to see how your grocery budget compares. https://lnkd.in/ggFdeuXn #GroceryBudget #MoneyTips #HealthyEating #BudgetFriendly #Budgeting #Foodies #Recipes

🏡 Home Maintenance: The Real Cost of Keeping It Cozy! 🏡 Hey, homeowners! Did you know according to a recent study by Thumbtack, it cost an average of $6,663 a year to maintain a single-family home in the fourth quarter of 2023? That’s an 8.3% increase from the previous year! 💸 Here’s a peek at what those costs cover: Appliance repair/maintenance 🛠️ Carpet cleaning 🧼 Central air repair/maintenance ❄️ Deck staining and sealing 🌞 Duct and vent cleaning 🌬️ Fireplace cleaning/repair 🔥 Lawn care 🌿 Gutter cleaning 🌧️ Heating system maintenance 🔥 House cleaning 🧹 Pressure washing 🚿 Roof maintenance 🏠 Sprinkler maintenance 💦 Tile and grout cleaning 🧽 Tree removal and trimming 🌳 Water heater maintenance 💧 Window cleaning 🪟 Phew! That’s quite the list! 😅 Do you tackle all these tasks annually for your home? Or do you have some secret hacks to keep costs down? Share your tips and tricks in the comments below! 👇 #HomeMaintenance #ThumbtackStudy #HomeSweetHome #BudgetFriendly #DIY

The Federal Reserve’s September meeting is this week, and everyone is buzzing about what they’ll do with interest rates. Many experts believe a rate cut is on the horizon. However, the exact amount is still up for debate. What’s your prediction?   Feel free to share your thoughts and let’s see what everyone predicts! Update: The fed announced today it will cut interest rates by .50%.

Are you considering selling your business? Determining an asking price or worth can be a challenge. Generally, it starts with calculating your business's EBITDA, understanding market conditions, and demand for your services or products. In our latest blog, we go depth on other factors - specific to certain industries - that you should consider before selling a business. Give it a read --> https://lnkd.in/gm9c8Xit #businesstips #smallbusiness #moneytips #businessowners #businesssale #sellingabusiness #shoplocal #ebitda

✈ Business travelers. Jet setters. ✈ We need your help settling the age-old “seat recline” debate! We have those that believe it is more than acceptable to lay your seat back while on a flight. But, others that say – no, that’s rude. Travelers are already crunched for space. When you travel on your business trip or head out for a vacation, who are you? Give a 👍 if you are team Recline: “It’s my right! I paid for this seat, and I need my beauty sleep! 💤” Give a ❤️ if you are team Upright: “Hey, my knees need space too! Let’s keep it comfy for everyone. 🦵” #travel #airplane #businesstravel #vacation #business

The scammers just won't quit! Cybercriminals continue to call and send emails claiming to be from a bank or credit union. Many times, these emails look legit. Real logos. Well written with the help of AI. And, links that look click-worthy - in hopes they can 'get you'. Don't be fooled! Follow these tips to avoid falling victim to a malware scam: Scammers rely on creating a sense of urgency to trick you into clicking on links. If you receive an unexpected email, always stop and think before you click. In this situation, the email claims to be from your bank. Instead of clicking on a link in the email, you should contact your bank directly to verify if action is needed. Be sure to follow your organization’s instructions regarding security updates and antivirus software. By keeping your software up to date, you can help protect your device from a malware infection. #cybercrime #banking #bank #scamalert #fraud #beaware #junkmail #email #hackers