Kentucky Bank

What Not to Buy for Your Vacation

Courtney Jespersen, NerdWallet Purchasing a bunch of unnecessary items and then overpacking for a trip won’t just annoy your traveling companions and give you a sore arm from lugging around a heavy suitcase. It can also blow your limited vacation money. Here’s what not to buy for your next vacation in order to save both money and time. … Continue reading

Buying an Energy-Efficient Home: A Financially Bright Idea

Beth Buczynski, NerdWallet Whether you give a hoot about the environment or not, it could pay to think about energy efficiency when shopping for a home. Newer houses certified by Energy Star — the federal government’s energy-efficiency rating program — use an average of 20% less energy than homes built to the 2009 International Energy Conservation Code, … Continue reading

How to Break Free of Debt Without Paying a Price Later

Amrita Jayakumar, NerdWallet Samantha Ealy graduated with a bachelor’s degree and $70,000 in debt. She worked multiple jobs to pay off student loans, a car, medical bills and credit cards in three years. But looking back, Ealy sees a few missteps. For example, one job offered a 401(k), but she didn’t put in enough to … Continue reading

Mobile Payments: What They Are & How To Use Them

If you haven’t used or experienced mobile payments, they are financial transactions that happen through a smartphone, smartwatch, or tablet, using a mobile wallet such as Apple Pay. When you make a purchase with your mobile wallet, a virtual token is used to transmit your payment.

How much does it cost to retire?

Exiting the workforce is a monumental occasion in life, much like buying a home, getting married or having children. Most of us wonder what it will be like; however, because we all come from different backgrounds and financial means, the cost of retiring can fluctuate greatly between individuals.

5 budgeting tips that help you achieve homeownership

Everyone has goals they'd like to achieve, whether in the not-too-distant future or somewhere down the line. At the top of the list for many is the American Dream of owning a home. From advantages like having a place of your very own to financial perks - such as building equity and tax deductions - the bonuses of homeownership are truly boundless.

Dangers and Myths of DIY Projects

So you’ve watched enough HGTV shows, talked to enough neighbors, and had enough discussions with sales personnel in your big box home improvement store to know that you might be able to do a ton of improvements to your home without having to pay a pro, and in the process, save yourself a lot of money.

What is an SBA Loan?

Keeping your small business strong and growing requires tenacity, intelligent planning - and funds. To gain access to the money your company needs to survive and thrive, you should consider loans backed by the U.S. Small Business Administration. These are available through SBA Lenders - authorized financial institutions such as Kentucky Bank.

Home prices higher in Kentucky, but for less than you might think

Two overarching factors sum up the residential real estate market in the U.S. - supply and demand. Throughout most of the U.S., more people are buying than selling, which has led to a steady uptick in the typical listing prices for the average home, a trend that rising incomes has helped hopeful buyers adequately address.

New Law Permits Consumers To Freeze Their Own Credit Files Quickly And Without Cost

Effective September 21, 2018, Americans can freeze-frame their credit reports, thawing them whenever they want to without cost, thanks to a new federal law. You can now do this via mail, phone, or online.

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