Author Archives: Heidi Carmack Pfaffroth


Electronic payments to speed up this year and next

Consumers will see a change in how quickly funds are available. Stella calls her dad, Christopher, and asks him to send money for her housing payment, which she needs, like, yesterday. And yes, now, in 2015, Christopher drives over to … Continue reading

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Avoiding Failure-to-Launch with 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 stressed the importance of open-book management, a process … Continue reading

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Make Your Tax Refund Work for You!

Have you done your taxes? The article below can help you get started and is encouraging if you’re considering paying down debt and saving your refund this year. This year, I decided to save my entire refund as a nice … Continue reading

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Commercial and industrial lending

How to finance commercial and industrial endeavors Are you overwhelmed by the types of financing that are out there? Whether you need money to start a new business, expand an existing one, build a new facility, purchase inventory or upgrade … Continue reading

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FHA has lowered cost of mortgage insurance

Homeowners and first-time homebuyers may be able to save hundreds through FHA loan program. In an effort to make owning a home more affordable, the Federal Housing Administration has dramatically cut the costs associated with the mortgages it backs, from … Continue reading

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The raccoon that changed a little girl’s eyes

Thanks for participating in Project Teddy Bear by donating 18,422 stuffed animals to abused and neglected children in Utah A six-year-old little girl who visits the Utah Valley Family Support & Treatment Center saw the perfect stuffed animal, a raccoon, … Continue reading

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Merchant services available at Bank of American Fork

Bank of American Fork offers some of the nation’s leading merchant services technology through TransFirst®, which offers proven, reliable systems in use by more than 200,000 merchants. Merchant services allow you to enjoy reliable business banking with a bank you … Continue reading

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Debit card tips: Protect yourself from fraud

While we have many layers of protection to help keep your money and accounts safe, we know you also want to know what you can do to help protect yourself from fraud. Here are some good, solid tips and information … Continue reading

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Teachers, preachers and neighbors build their own homes

415 homes built, many jobs created through community reinvestment programs Jane Farr was 64 years old when she and her husband decided to build their own home. They weren’t just designing the house and handing over plans to a contractor—they … Continue reading

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Looking for a secure place to invest money for yourself or your employees?

Whether you’re thinking of yourself or investing for employees, it’s easy to feel overwhelmed or discouraged when you start thinking about or reading about retirement savings. Even if you’re thinking this topic is a little heavy for what you want … Continue reading

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