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Rapids Blog

Changing Careers

If you’re considering making the move to a better career opportunity, below are some tips to keep in mind so that your finances don’t take a hit in the process.

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Plan for Retirement

Retirement is something that most people look forward to, but many aren’t prepared for. Fortunately it’s never too late—or too early—to start thinking about how you’ll fund your retirement.

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Sending a Child to College

Graduation Day

Sending a child to college can leave you contemplating both an empty nest and an empty wallet. It’s never too early to start planning and saving…but it’s never too late, either. Whether you have several years to plan, or just a couple, Rivermark is your trusted resource during the uncertain financial times ahead.

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Smart Tips for Back to School Savings

August means store shelves are filled to the brim with pencils, crayons, rulers, and other school supplies. Department stores are advertising unbelievable sales, and discount stores have coupons galore. We realize that this time of year can be taxing on your budget. That’s why we’ve put together some tips to help you out.

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Improving Your Credit Score

Maintaining a good credit score may mean the difference between being able to borrow money for important purchases and not being able to borrow money at all. For lenders, your credit score is an indicator of how responsible you are and how likely you are to pay back a loan. A higher credit score will likely get you a better rate on your loan, while a low score could come with a higher rate. That difference could add up to tens of thousands of dollars over the course of a lifetime.

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Types of Business Ownership and Legal Structures

Business Executives Talking at a table

There are few things as exciting—and terrifying—as owning your own business. It’s hard work, but nothing is quite as rewarding as being your own boss. But like all good things in life, owning your own business is a lot of work. Even if you have a great idea, it can be incredibly discouraging just to figure out where to start.

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Starting Your Business

Starting a business requires careful planning and taking the right steps. Reach out to your local small business center for expert advice on tax liability, fees, and business structure. Register for an EIN, which you'll need for licenses and taxes. Register with the state and check for additional city fees. Open a Rivermark Business Account to separate personal and business finances. Plan your taxes using EFTPS.

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Credit Card Smarts

Believe it or not, your mailbox will soon be bursting with credit card offers addressed to you. Having a credit card is a great way to establish credit and to build a good credit history. Unfortunately, having a credit card and using it improperly can ruin your credit. It’s all too easy to be trapped in a spiral of escalating debt, high interest and excessive fees.

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Manage Your Cash Flow Effectively

You’ve likely heard that cash flow is the life blood of your business. Without a good grasp on how cash is flowing in and out, many businesses fail. Managing cash flow can be challenging, but we’ve put together some strategies to help you.

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