guest

IOU — and the “Check” is in Your Email!

My to-do list includes the following tasks:

  • Reimburse mom for groceries
  • Pay electric bill
  • Pay Bug (my sister… it’s an old nickname) for my part of cell phone bill
  • Give money to Matt for mowing lawn
  • Pay Gap VISA bill

Noticing a theme?  Almost every day, I make some kind of purchase.  Usually I can pay on the spot, like when I get gas or pick up the dry cleaning.  But there are times when the situation is a little different and maybe the payment isn’t due yet or I am left saying IOU. Continue reading »

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Joel

Roadblocks Continue to Stand in the Way of Economic Growth

The economy continues to expand and that it does is an amazing feat in itself.  OK, growth did slow in the spring but the pace was a bit faster than expected.  Whether conditions will stabilize or even improve or whether we are headed downward, though, remains uncertain. The roadblocks are daunting: the willingness to say anything but do nothing in Washington is sapping the confidence of business leaders and households alike; European financial leaders are also willing to claim they will do something big but as of yet the policies have not been specified; and Asia is slowing no matter what the Chinese “data” say.  We need to muddle through until early next year when hopefully some of the uncertainties will begin clearing up. Continue reading »

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Lauren

A Day Out in State College, PA: My Stomach is Grumbling Just Thinking About It…

New State College South Atherton Branch

Mention a trip to State College, and instantly the thought bubbles that form above my head are filled with various scrumptious culinary delights that can only be found within the town’s limits. Many memories from my four years on Main Campus at Penn State University revolve around shared delicacies in between classes and study breaks. But the beauty of this town extends far beyond the plate. So let me be your tour guide though a day in State College – but know that I lead where my stomach takes me. Continue reading »

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guest

A Lesson in Home Economics for Back-to-School

Parents sending their kids back to school this fall of course want them to have the best –  brand new pens and pencils, crisp clean notebooks and a spiffy new backpack.  These items can add up at the register, though, and with more and more schools expecting kids to show up fully stocked, it’s a cost we can’t avoid.  With basic school supplies as well as new clothes, parents can easily spend hundreds of dollars this fall. Continue reading »

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Kim

FORE!! For National Golf Month, Our Employees Share Their Top Mini-Golf Spots

For me, golf is a game my husband and son play. I have no desire (or patience) to spend hours chasing a little white ball.

However, when it comes to playing mini golf, well that’s a different story.  I can wear what I want, talk when I want, and if I play my cards right, eat — because it’s always a good idea to finish “the round” with a big scoop of ice cream. Who isn’t hungry after walking 18 holes? We asked our employees for their recommendations of their favorite mini golf spots in the Mid-Atlantic area. Continue reading »

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Joel

Missing Link for Economic Recovery? Confidence

Franklin Roosevelt became president during one of the worst economic times in the history of the nation.  While he knew that the fundamentals of the economy were terrible, he felt it necessary to focus on something that was more emotional in nature: fear.  His famous statement, “let me assert my firm belief that the only thing we have to fear is fear itself … which paralyzes needed efforts to convert retreat into advance” is true in lots of ways right now.  The biggest problem facing the economy right now is a lack of confidence driven by a fear of the future.  Until the outlook of business leaders and households improves, the economy will continue to grow sluggishly.

First, let’s make it clear we are not in a recession and it is not likely we will go back into one.  Still, that does not mean the economy is in good shape.  For the third consecutive month, job gains were disappointing.  The 80,000 June payroll increase means the average for the spring was a meager 75,000, not enough to lower the unemployment rate, which stayed at 8.2%.

The details of the report were as bad as the headline number.  Temporary help made up nearly one-third of the total increase while the normal job creating industries did little.  Health care firms added fewer workers than usual and retailers, transit and information firms all posted cutbacks.  The government sliced and diced as the spending cuts in education took a major toll on school employment.  At least longer hours and rising wages bode well for wages and salaries.

While the politicians all say it is about jobs, the strength or weakness of the labor market is a reflection of the underlying fundamentals that drive the economy.  That is, in the which-comes-first question, you need spending  to drive hiring which then creates more income, allowing confidence and consumption to rise even further.  Indeed, what would really break the negative cycle is a boost to confidence.  Without a positive outlook for the future, consumer spending will be limited and businesses will hire cautiously.

Driving the lack of confidence is a group of factors that have overwhelmed the economy.  The first hit to optimism came with the surge in gasoline prices.  That not only reduced household spendable income but it created a “here we go again” attitude that battered consumer confidence.  On the heels of the gasoline price surge came the near meltdown of Europe.  Fears that the Continent’s problem would lead to a major financial crisis reached their peak in June and business optimism cratered.  Weakening economic activity in China only added to concerns that the world economy was in trouble.

With consumers becoming cautious and businesses hunkering down, it should not have surprised anyone that job creation slowed.  This reinforces the view that before growth can improve, confidence has to rise.  So, what would cause that to happen?  Clearly, something good coming out of Washington would help, but that is doubtful.  With the election still four months away, a lot more damage could be done in that time.

On the positive side, the recent agreements in Europe seem to indicate the problems have been kicked well down the road and that a major calamity has been avoided, for now.  That should ease some of the fears that have gripped corporate leaders, especially those with major European businesses.  However, the agreements don’t mean European economic activity will accelerate; they only suggest a major recession on the Continent is less likely.

So, where do we stand right now?   There is little on the horizon to indicate the economy will surge anytime soon.  The Federal Reserve has few bullets left, fiscal policy is in gridlock and the rest of the world is hurting.  While improving conditions in the housing market and falling gasoline prices should help keep the economy moving forward, strong growth is not likely to appear before the end of the year.

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Leigh

Backyard BBQs: Staying Fit Amidst the Fun

Summer is long days, hot temperatures, and lots of outdoor activity.  It’s also a time for hamburgers, hot dogs, potato salad, ice cream, fruity drinks, and a variety of other backyard BBQ delights.  Most people, me included, think of the holidays as the time to pack on a few extra pounds, but the unwary picnic goer can add just as many pounds to the waistline during the summer.

Here at the bank we are fortunate to have the Susquehanna Wellness Action Team, affectionately known as SWAT (yes, we in the banking industry do love our acronyms).  The employees who volunteer with SWAT provide information and opportunities to learn more about healthy living.  And let’s face it, health issues are expensive for employees and employers alike and impact the quality of life for entire families.  That’s why for this summer picnic season I asked my coworkers at SWAT to share some tips on how to have fun at your family picnic while keeping an eye on the waistline.  Here are a few of their suggestions.

  • Have a low-fat healthy snack and a big glass of water before you go to the picnic or BBQ so you aren’t as hungry and tempted to eat everything in sight!
  • If you are asked to contribute a dish for a picnic or BBQ, be sure to take something healthy like a veggie tray. That way you know there will be something you can snack on that isn’t high in calories.
  • Same goes for drinks. Bring something for yourself that is low in calories.
  • If you have to eat a burger or hot dog, skip the bread (and cheese!). If BBQ chicken is on offer, remove the skin before eating.
  • Keep busy – moving and talking. This will help keep you from eating out of boredom.
  • Stay far away from the food table. That way you won’t just stand there and graze.

And finally, some suggestions of my own: dance, swim, play outdoor games, chase the children around the yard.  You don’t need to hit the gym to burn a few extra calories.   If you know you can’t resist dad’s homemade ice cream or grandma’s apple pie, work for it!

What tips do you have for a healthy backyard BBQ season?

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Amber

MOM!! There’s Nothing to Dooooooooo!!

The kids have enjoyed their last day of school, stayed up late, slept in late, watched TV all day, and now you hear the dreaded words……I’M BORED! My kids don’t say this to me often because they know it usually means they’ll end up doing chores or other things around the house.  But what can they do when all those things are done and your house is immaculate??  We posed this question to our employees and they shared some wonderful ideas to help beat the summer blues!  I enlisted the help of my children Blake (age 13) and Bella (age 7) to try out some of the ideas.  We had a lot of fun!

Kyla in Hagerstown, MD, and Lauren in Lititz, PA, told me about different obstacle courses.  Lauren’s 3-year-old son loves taking different toys and furniture from around the house and setting them up so he can climb, jump over, and weave in and out of them over and over again!  My kids loved Kyla’s idea of taking red string and taping it up in the hallway like a laser beam.  They took turns trying to climb through without being “zapped” by the laser beams.

Maybe you’re looking to get out and away from the house.  Why not try the free Chocolate World tour in Hershey, PA, and enjoy your free piece of chocolate at the end of the ride like Sarah from our Boyertown, PA office suggested?  And along the way play the “Cow Search” game that Terry from our Loan Center in Hagerstown plays with her family.  They make teams and watch out the window counting the number of cows they pass along the way.  If a cow is in a creek in the pasture, they double the amount of cows counted there, but if they pass a cemetery, the cows you counted are “dead” and you start over at zero.  The team with the most cows when they reach their destination wins!

You can also sneak in some educational things like a nature walk at a local park or trail like Claudia in our Lititz operations center suggests.  How about some science experiments like laying a dark colored piece of paper out in the sun with ferns, plants, or rocks on it.  Remove the items the next day as Donna in State College, PA suggested and you’ll have a print from where the item was!

I like to keep my kids reading over the summer just like Paula in our Williamsport, PA office does with her kids.  They even started a summer reading group with their friends that meets once a week over the summer and celebrates at the end with a picnic party and swimming!  Daminga in Reistertown, MD also suggests taking your kids to the library to pick out a book that they would like to make come to life.  They write the story, create characters with speaking parts, make costumes and props, have “rehearsals” and at the end of the summer put on a production for the family.  You can also involve friends and neighbors and have ALL the kids put on an end-of-summer production.

Donna in State College and Christine in Chambersburg, PA both suggested making stepping stones.  Stepping stones can be made easily by buying quick drying cement (follow the instructions for mixing it), pouring it into an old Frisbee or a drip tray for under planters.  Once it begins to set, you can decorate it with stones, by making hand prints, or taking an old pen or pencil and writing or doodling in it.  It’s a great craft to give to grandparents or mothers, and it can be displayed indoors or outdoors!  Christine also suggested duct tape crafts, and my daughter has already started picking out duct tape for her project. (You can find directions/ideas for these crafts on the internet.)  If your kids have mini Webkinz®, you can do what Kayla at the Lititz office and her niece did and decorate a shoe box to make a house for them.

My daughter Bella and I personally love to do what Sharon in our Halifax, PA branch and her granddaughters do…..have a SPA day!  We do each other’s nails, hair and makeup and dress up to “go out.”

So, next time your kids say “I’m bored!” what will you suggest to them?  Have any ideas of your own?  We’d love for you to share them with us so we can try them out!

(Webkinz is a registered trademark of Ganz, Ontario, Canada.)

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Kim

A Day Out in Columbia, Pennsylvania – Friendly People Full of Town Pride

Periodically we will feature towns located within our footprint to recommend as great spots  for a day trip.

Columbia is located in Lancaster County, Pennsylvania, 28 miles southeast of Harrisburg on the east bank of the Susquehanna River, across from Wrightsville and York County.

It was founded in 1726 by Colonial English Quakers from Chester County led by entrepreneur and evangelist John Wright. Establishment of the Wright’s Ferry, the first commercial Susquehanna crossing in the region, brought growth and prosperity to the small town, which was briefly considered as a candidate for the new United States’ capital. Continue reading »

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Lori R

“Dude, Where’s My Car?”: Car Theft Prevention Tips

A couple of years ago, my daughter parked her car at a local store, opened the windows a bit so our beagle could get some fresh air, and proceeded inside to make a quick purchase.  When she returned, the window was opened even wider and her purse was gone!  She had left it on the front seat, easy pickins’ for anyone who cared to take it home.

Sometimes, we make it so easy for dishonest folks to take what doesn’t belong to them.  And that includes our vehicles.   According to the FBI, a vehicle is stolen every 40 seconds!  But a few simple precautions can prevent you from becoming one of these sad statistics.  We thought it was a good time to share some tips as a reminder, since many people will be taking to the road for summer vacations. Continue reading »

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