End of Year Checklist for Your Small Business

by April Marasco @ Howard Bank

Mon Nov 20 14:50:54 PST 2017

The end of the year is a good time to take stock of your business – review your accomplishments from this year and plan for next year. In this infographic, we’ll give you some ideas on getting started and what you might want to include in your checklist. Take a look, and build on this …
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How to Keep Spiders Out of Your House

by @ How to of the Day

Tue Mar 27 09:00:00 PDT 2018

Finding 8-legged friends in your house can be unsettling, especially if you aren’t a fan of living around insects. You can keep spiders from burrowing and spinning webs in your home by applying natural remedies like vinegar and essential oils. Maintaining a clean, well sealed home can also prevent spiders from taking up residence in your space. With the right approach, you can keep spiders out of your home easily and effectively.

How to Activate Night Shift on an iPhone

by @ How to of the Day

Tue Mar 27 17:00:00 PDT 2018

This wikiHow teaches you how to turn on Night Shift on your iPhone, as well as how to schedule Night Shift to automatically come on during certain hours of the day. Night Shift is a blue-light filter that helps prevent interruptions to your circadian rhythm at night, which can improve your sleep.

How to Share Folders on Dropbox

by @ How to of the Day

Sat Mar 24 17:00:00 PDT 2018

This wikiHow teaches you how to share a Dropbox folder with another person via email. Sharing a Dropbox folder with another person will allow them to view and edit the folder's contents from their own Dropbox account. You can share Dropbox files with people on both the Dropbox website and the Dropbox mobile app.

How to Get a Job As a Mortuary Makeup Artist

by @ How to of the Day

Sun Mar 25 01:00:00 PDT 2018

Mortuary makeup artists apply makeup to the deceased for public viewings. This line of work is also known as “desairology.” To begin a career in mortuary makeup, you’ll need to attend Mortuary Science School or Cosmetology school. Since you must either be a licensed mortician or cosmetologist to work with dead bodies, you’ll then need to apply for and pass your state’s licensing exam. Start finding jobs by offering your services at local funeral homes and salons. At the end of the day, this job can be unusual and difficult, but it can also incredibly rewarding to bring some peace to a grieving family.

Building and Growing a Small Business

by April Marasco @ Howard Bank

Mon Mar 05 16:00:45 PST 2018

At Howard Bank, we want to help you start, fund and grow your business. Our Small Biz Talks series offers a wide range of business information to help you with your business. If you have a business, here are a few things to consider.

Same Day ACH – Does it Impact Me?

by April Marasco @ Howard Bank

Wed Sep 06 06:33:40 PDT 2017

For those following the new rules towards the processing of ACH transactions, it’s no surprise to you that Same Day ACH will now apply to debit transactions in addition to credit transactions starting at the beginning of September.  For those who perhaps haven’t been following this as closely (it’s okay, we understand), let’s back up …
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Mobile banking – four ways to stay on top of your finances while on the go

by Nicole Diehl @ TruMark Financial Credit Union

Fri Mar 23 08:20:51 PDT 2018

Most people have a checklist they go through before they leave the house. Is the stove turned off? Are the doors locked? Do I have...

The post Mobile banking – four ways to stay on top of your finances while on the go appeared first on TruMark Financial Credit Union.

How to Play Four Square

by @ How to of the Day

Wed Mar 28 01:00:00 PDT 2018

Four Square is a fun playground game that almost anyone can play. All you need is chalk or tape to make the squares, a ball that will bounce, and at least 4 players. Try playing with the standard rules, or mix it up for some fun!

How to Lose Fat With Weights

by @ How to of the Day

Sat Mar 24 09:00:00 PDT 2018

If you want to get rid of stubborn body fat, adding strength training to your exercise regimen can help. To start losing fat, create a consistent weekly routine to build muscle and burn calories. One effective way to lose fat is doing compound exercises, which will work out multiple muscle groups at once. Keep in mind that to lose fat, you must ultimately burn more calories than you eat. Thus, you should also incorporate other healthy weight loss practices into your life.

How to Search Military Records

by @ How to of the Day

Sun Mar 25 17:00:00 PDT 2018

If you want to find military records, there are several ways in which you can do so. Keep in mind that limited military records are available to the public, so specific veteran records will only be released to the veteran or their next of kin.

How to Plant in Poor Soils

by @ How to of the Day

Wed Mar 21 09:00:00 PDT 2018

Whether you want to grow flowers, trees, or vegetables, plants can add natural beauty to your yard. However, planting and growing plants may not seem so simple if your yard doesn’t have rich soil. Fortunately, there are several things you can do throughout the planting process to ensure that your plants thrive, including amending the soil with compost, planting the root ball properly, and/or choosing to plant specific plants that thrive in your particular soil type.

How to Wash Jeans by Hand

by @ How to of the Day

Thu Mar 22 09:00:00 PDT 2018

Hand washing is a great way to extend the life of your favorite pair of jeans. It is a gentler process than machine washing and prevents, or at least slows, the fading and break down of fibers. Choose between hand washing your jeans in cool water or spot cleaning.

Avoid Scams This Tax Season

by Jordan Ottaway @ Neighborhood Credit Union

Wed Feb 07 08:38:53 PST 2018

Published February 7,2018   It’s that time of year again. Americans are gathering their W-2s and other documents needed to file their taxes with hopes of getting a nice little refund. Unfortunately, with tax season comes the scammers hoping to swindle as many people as possible. Here’s a list of popular scams and key factors […]

Take Spring Cleaning Beyond Your Home

by Jordan Ottaway @ Neighborhood Credit Union

Wed Mar 21 09:30:41 PDT 2018

Published March 21, 2018 By Jordan Ottaway Yesterday was the first official day of spring, and I bet spring cleaning is on your mind. As you’re going room to room, don’t forget that spring cleaning can go beyond your attic that hasn’t been organized in years. How often do you set up a budget, automatic […]

How to Develop Film in a Darkroom

by @ How to of the Day

Mon Mar 26 09:00:00 PDT 2018

Film photography is a great way to capture personal, unique, and long-lasting photographs. The first step in turning the captured exposures on your film camera into physical prints is developing the film. Taking the time to develop your film correctly is critical if you want your prints to turn out beautifully. To develop your film, you'll need some basic photography tools and chemicals, as well as access to a dark room.

Neighborhood Credit Union Presents Children’s Health with $56,000

by Jordan Ottaway @ Neighborhood Credit Union

Tue Jan 30 13:36:09 PST 2018

  DALLAS, Texas—A small donation can go a long way. Neighborhood Credit Union leaders saw that first hand when they presented Children’s Health with a check for $56,850 as a result of its Skip-A-Payment program. Neighborhood CU allows its members to skip a loan payment during the holidays in return for a small donation. The […]

How to Break Boards with Your Bare Hands

by @ How to of the Day

Thu Mar 22 17:00:00 PDT 2018

Learning how to break boards with your bare hands can be done right at home. Start by conditioning your hands to get them ready for striking, and make sure your board is set up properly and safely. By having confidence in your ability to break the board and following some simple strategies, you'll soon master the martial arts stunt of board-breaking.

Financial Planning for Your Business

by April Marasco @ Howard Bank

Mon Oct 02 04:04:15 PDT 2017

October is Financial Planning Month, and financial planning is as important for your business as it is for your personal finances. Are you thinking about starting a business or are you already a business owner? You will probably need money for your business at some time. So, what do you need to do to prepare …
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Tyler Wright – 40 Under 40

by April Marasco @ Howard Bank

Thu Sep 14 06:53:11 PDT 2017

Making the BBJ’s 40 under 40 List is an honor. For Tyler Wright, interacting with past and current members of this group feels like an extension of the community-focused and relationship-driven team spirit that is inherent in the Howard Bank DNA. Tyler describes the Howard Bank culture and work ethic this way: “Relationship banking and …
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Valentine’s Day Doesn’t Have to Break the Bank

by Jordan Ottaway @ Neighborhood Credit Union

Wed Jan 31 08:45:34 PST 2018

  By Jordan Ottaway January is almost over. (Crazy, right?) That means that Valentine’s Day is upon us. Now before you go scheduling a hair appointment or getting your suit pressed, I wanted to show you that you don’t have to bust your budget in order to have a romantic Valentine’s Day. This is a […]

How to Train an Australian Shepherd

by @ How to of the Day

Tue Mar 20 01:00:00 PDT 2018

Australian shepherds are herding dogs that are popular pets. They are very intelligent dogs that thrive when thoroughly trained. To train an Australian shepherd you should focus on rewarding good behavior and reinforcing training with repetition and consistency. With some time and effort, your Australian shepherd will be a wonderfully trained companion for years to come.

How to Train an Abused Dog

by @ How to of the Day

Tue Mar 27 01:00:00 PDT 2018

Dogs who’ve suffered abuse may be withdrawn, depressed, inactive, and distrustful. While not all fearful and shy dogs have been abused, abuse can make the dog hesitant and nervous around humans. While it takes time to help a pup overcome its past, abused dogs can become loving pets if the right person comes into their life. If you’ve rescued an abused dog, then you’ll likely want to train it. Before you can train your dog, you need to take care of the dog’s health and safety so that it can learn to trust you. Then you will be able to housebreak your dog, teach it basic commands, and help it overcome its past.

How to Wait for an Exciting Event

by @ How to of the Day

Mon Mar 26 01:00:00 PDT 2018

It’s always fun to have an event to look forward to, but it can be hard to stay patient when you have to wait for something you’re excited about. The more you focus on the future event, the more you want it to happen right away. Fortunately, if you keep a busy schedule, try new things, and focus on the present, time will go by before you know it.

2018 Annual Meeting

by Jordan Ottaway @ Neighborhood Credit Union

Tue Jan 30 07:38:38 PST 2018

Save the Date 88th Annual Meeting! Review of 2017 business and financial results, election of Board of Directors and door prizes. March 29, 2018 at 3:00pm North Dallas Branch Members make the difference and we are looking forward to seeing you this year. Annual Meeting Nominating Committee Any Neighborhood Credit Union member interested in being […]

7 Steps to Creating a Business Plan

by April Marasco @ Howard Bank

Mon Oct 23 14:33:48 PDT 2017

To give your business the best possible chance of success, you need a business plan. Whether you’ve been in business for a while or you are in the planning stages for your new business, a business plan is key. A good business plan lets you measure your achievements, attract investors, secure financing, and serves as …
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Make 2018 the Year You Keep Your New Year’s Resolutions

by Jordan Ottaway @ Neighborhood Credit Union

Wed Feb 14 08:30:52 PST 2018

By Jordan Ottaway “This is my year.” “This year will be different.” “I’m going to make my new year’s resolutions and follow through with them.” Sound familiar? According to U.S. News, around 80 percent of New Year’s resolutions fail by the second week of February. With that being said, how’s your resolution going? If you […]

Building Baltimore’s Best Business Bank

by April Marasco @ Howard Bank

Tue Aug 22 05:45:39 PDT 2017

We are committed to building Baltimore’s Best Business Bank. Howard Bank and 1st Mariner Bank jointly announced the signing of an agreement where Howard Bank will acquire 1st Mariner. The combination of Howard Bank and 1st Mariner Bank enables us to achieve the vision of becoming the region’s leading business bank in a relentless way. Together, we become …
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Energy saving tips – what to look for when buying new appliances

by Nicole Diehl @ TruMark Financial Credit Union

Thu Mar 15 05:10:37 PDT 2018

There’s no getting away from the fact that our dependence on energy increases daily. With energy-dependent technology driving our lives, ecologists continue to search for...

The post Energy saving tips – what to look for when buying new appliances appeared first on TruMark Financial Credit Union.

How to Become a Legal Permanent Resident of the United States

by @ How to of the Day

Wed Mar 21 17:00:00 PDT 2018

Becoming a legal permanent resident of the United States is a lengthy bureaucratic process. Once you determine your eligibility, you will need to find someone who can sponsor your application. Then, you and your sponsor will have to provide substantial evidence of your status, employment, or relationship. The process of becoming a legal permanent resident will generally take at least a year from the date you start filing, but successful applicants will finish the process with their Green Card, which grants permanent legal residence.

Starting 2018 Off Right

by April Marasco @ Howard Bank

Mon Dec 18 16:27:16 PST 2017

As 2017 comes to an end and 2018 is imminent, here are a few ideas for getting a great start to the new year.   To recap: Examine the trends. Take stock of competitors. Eliminate things that are not working. Update your website, social media, marketing, and sales strategies. Set goals for 2018. And remember, we’re …
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How to Compare Handwriting Samples

by @ How to of the Day

Sun Mar 25 09:00:00 PDT 2018

Handwriting analysis is both an art and a science. Whether you want to compare handwriting samples for fun or for legal or forensic purposes, you’ll need a sharp eye. The first step is to obtain samples, which typically include a sample in question and several documents you know someone actually wrote. Examine each document individually, and look for formal, formatting, and stylistic quirks. Determine if samples share any of these subtle characteristics, and form a conclusion about the documents’ authorship based on your findings.

How to Track Mileage Without an Odometer

by @ How to of the Day

Mon Mar 26 17:00:00 PDT 2018

Whether you’ve got a busted odometer or you’d just rather not have to do a lot of mental gymnastics to calculate your annual mileage for work-related tax deductions, there are a couple simple ways to find out how many miles you’re averaging. Downloading a mileage tracker app for your smartphone can take all the guesswork out of adding up your drive time by automatically ticking off the miles while you’re on the road. If you only make the occasional business trip, consider simply plotting out your route and recording the estimated distance in advance.

How to Stop Fighting With Your Brother or Sister

by @ How to of the Day

Fri Mar 23 17:00:00 PDT 2018

Fights between siblings are inevitable, even if they can be frustrating. If you and your sibling want to stop fighting, there are a few strategies you can try before, during, and after a fight. You may be family, but with a little effort, you can get along like friends!

How to Cope with Nicotine Withdrawal

by @ How to of the Day

Fri Mar 23 01:00:00 PDT 2018

If you have been a smoker for a while, you may experience nicotine withdrawal symptoms—intense cravings, headaches, anger, trouble sleeping, and even anxiety or depression—when you attempt to quit. These undesirable side effects of quitting may tempt you to pick the habit back up. But, if you seek support, come up with a plan to deal with triggers, and practice good self-care, the symptoms will eventually subside. Hold out and give it time— you'll get through withdrawal and be smoke-free sooner than you think!

Five common tax mistakes to avoid

by Nicole Diehl @ TruMark Financial Credit Union

Fri Mar 09 07:57:57 PST 2018

It’s that time of year again. Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms and...

The post Five common tax mistakes to avoid appeared first on TruMark Financial Credit Union.

How to Transfer an Image Onto Glass

by @ How to of the Day

Tue Mar 20 17:00:00 PDT 2018

Putting an image onto a glass object—such as a glass, mason jar, mirror, or window—is a way to personalize and decorate your living space. You can transfer any type of image that has been printed from a laser printer, or that you find in a book or magazine. To transfer an image onto glass, fix adhesive packing tape to the image you’d like to transfer. Soak the image and tape in warm water, then remove the paper and stick the image onto a glass object. Alternately, you can use a gel transfer medium to move the image directly on to a glass surface.

How to Keep a Dress Shirt from Riding Up

by @ How to of the Day

Thu Mar 22 01:00:00 PDT 2018

If you tend to have trouble keeping your shirt tucked in throughout the day, it may be time to try out a new method of holding it in place. First thing’s first—make sure that you’re wearing a dress shirt that’s been sized and cut specifically for your frame. You can then create a neat, trim profile by folding the excess fabric on the sides of the shirt before you tuck it in. If all else fails, invest in a pair of handy shirt stays or make the switch to a more casual untucked style.

How to Change Your Name in Skype

by @ How to of the Day

Wed Mar 21 01:00:00 PDT 2018

This wikiHow teaches you how to change your Skype display name, which is the name people see when you appear in their contacts. You can change your Skype display name on the Skype website and on the mobile version of Skype, but you cannot change your Skype display name in the Skype program for Windows and Mac computers. You also can't change your Skype username without creating a new account.

Why You Need to Automate Your Savings

by Jordan Ottaway @ Neighborhood Credit Union

Thu Jan 18 11:26:13 PST 2018

Published January 18, 2018 By Jordan Ottaway Saving money. It’s something many want to do but can’t seem to get in the habit of doing. Life, bills, and other expenses seem to take the forefront leaving a small portion left over that might end up in your savings account. Because people have many financial obligations […]

Reflections of 2017

by April Marasco @ Howard Bank

Wed Dec 27 06:40:07 PST 2017

Late December is a time of year that encourages us to reflect – on our achievements, our left “to dos” and the excitement of  looking forward to a new year and new goals and challenges. These reflections of course take place in a larger context. It is the time of year  when some of us retell …
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How to Lose Birth Control Weight

by @ How to of the Day

Fri Mar 23 09:00:00 PDT 2018

Gaining weight is a fairly common (and annoying) side effect of some methods of birth control. If you find yourself packing on the pounds after starting a new birth control routine, you might need to take some action. You can try exercising regularly and eating a balanced diet to help minimize the water weight your body may be retaining. You can also try talking to your doctor about your symptoms, or even switching to another form of birth control with fewer hormonal side effects.

How to Dress Up Jeans

by @ How to of the Day

Tue Mar 20 09:00:00 PDT 2018

While jeans are traditionally considered casual wear, the right pair can easily be dressed up for your next Casual Friday, romantic date, or night out with friends. As long as you start with the right jeans, you can create a dressy look with the right top, shoes, and accessories.

How to Wash High Windows

by @ How to of the Day

Sat Mar 24 01:00:00 PDT 2018

Cleaning high windows can be tricky, especially if they are above a sloped area or in a hard to reach spot. High windows also tend to get very dirty, especially if they have not been wiped or washed in awhile. Though you can hire a professional to wash high windows, doing them yourself can save you money and give you the satisfaction of maintaining them on your own. By using an extendable pole on a day that is not too sunny or hot, you can have clean, streak-free windows in no time.