Author Archives: Heidi Carmack Pfaffroth


The State of Older Americans and Savings

Guest post by Katie Bryan, America Saves Communications Manager The numbers are shocking.  • In 2012, the average credit card debt among adults aged 65+ was $9,283 (Demos: The State of Young America). • One-third of senior households have no money … Continue reading

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Employee Competencies Drive Operational, Customer, and Financial Success

Guest post by Richard H. Tyson, CEObuilder Guest blogger Tyson is starting a series here about open book management. Make sure you check back for additional articles! The reader of my last several articles may well wonder how far I … Continue reading

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How to help protect your money and get the support you need as you age

It’s World Elder Abuse Awareness Day. Something you can do? Share this graphic to spread the word about an effective way to help combat fraud against seniors. If you’re thinking about fraud against seniors (up to $1 million a day … Continue reading

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Five important questions when you’re thinking about merchant services

Guest post by Richard Gray Utah has a thriving business culture with business providing many different products and services. There’s no doubt, then, that a variety of businesses require a variety of merchant services. Merchant-services providers have solutions that are … Continue reading

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How to teach your kids about money

You probably worry about whether or not your kids will be well-equipped for their futures. Here is some good news: There are new resources available to help you teach your Pre-K through 20-year-old children about money and making smart choices. … Continue reading

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Optimizing Your Cash Flow Using Open-Book Management

Guest post by Richard H. Tyson, CEObuilder Guest blogger Tyson is starting a series here about open book management. Make sure you check back for additional articles! My last several articles have dealt with open-book management, a process in which … Continue reading

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Summer fun in Utah!

This summer, Bank of American Fork is celebrating Utah’s cities and the wonderful people that live in them. Join us for Community Appreciation Day at your local Bank of American Fork branch for free food, prizes, games and fun. And … Continue reading

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How Much is Credit-Card Debt Costing You?

Guest post by Katie Bryan, America Saves Credit-card debt – it’s something that hangs over many Americans. According to the Federal Reserve, in April 2013 the average credit card debt equaled $3,364 per U.S. adult. This assumes that EVERY adult … Continue reading

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How Jan helped protect our customer’s money

How Jan helped protect our customer’s money Learn about what you can do to reduce the risk of fraud. The other day Jan told me about a recent fraud attempt that she dealt with in the customer service center. The … Continue reading

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Take advantage of $5K tax deduction

If you’re looking for a way to reduce your taxable income for your 2014 taxes, consider the advantages of an IRA—you have about a week to make contributions to an IRA for last year. Contributions to IRAs can be made … Continue reading

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