What real community banking is all about. By Walter Carlyle We’ve been reading and hearing about big banks and their financial troubles for more than a year now. Many of those megabanks required huge bailout dollars and government guarantees. On the other hand, community banks—the [...]

Green is who they are and how they do business. 3rd Federal Bank is a community bank where green is more than just a color–it’s who they are, and how they do business. For nearly a decade, the bank has been fully engaged in the [...]

Teach children the fundamentals of handling money. By John D’Angelo Most children tend to have far-fetched ideas on the fundamentals of money—such as believing that obtaining credit is like ordering a happy meal and savings only happen in malls the week after the holidays. To [...]

Is it for you? By John D’Angelo I get questions almost weekly asking about the current homebuyer tax credit. In fact, the two most frequent are “What do I do if I settle on my home after my return is already filed, but still want [...]

Does your withdrawal strategy need a second look? By John Trezza In its simplest terms, a withdrawal rate is the percentage you withdraw from an investment portfolio in any particular year. However, in retirement income planning, what’s important is not just your withdrawal rate, but [...]

Just what you need, right? One more time-consuming task to be taken care of between now and the end of the year. But taking a little time out from the holiday chores to make some strategic saving and investing decisions before December 31 can affect [...]

A leader, corporate citizen and brand champion. In the boardroom, a group of new 3rd Federal Bank employees focus their wide-eyed attention on CEO Kent Lufkin, who asks one of several trivia questions: “How many ridges are on the edge of a quarter?”  Hands fly [...]

By John Trezza Planning on working during retirement? If so, you’re not alone. An increasing number of employees nearing their retirement plan to work at least some period of time during their retirement years. Why work during retirement? Obviously, if you work during retirement, you’ll [...]

By Scott Little Vice President, Commercial Lending Officer 3rd Federal Bank With the current state of the nation’s economy, many businesses, particularly small businesses, are struggling financially. Financial hardship can sometimes cause business owners and executives to be wary of dealing with their banks. However, [...]

Part 2 By John Trezza Keeping your cool can be hard to do when the market goes on one of its periodic roller-coaster rides. Last month, we started telling you about strategies that can prepare you both financially and psychologically to handle market volatility. Here [...]