Flacco Fridays Continues

by Stacy Tharp 24. October 2012

Flacco Fridays

 

***This Contest is Now Closed***

 

We have completed our first five weeks of Flacco Fridays, and your level of participation has been extraordinary! In order to keep you on your toes, 1st Mariner Bank and Team Flacco have decided to introduce a brand new series of weekly contests that will take place over the next few weeks. This contest series will put your attention to detail to the test!

How will it work?
  • Each Monday at 10:00 a.m., two pictures of Joe Flacco will be posted on 1st Mariner Bank’s Facebook wall.
  • Participants must find the five differences between the two photos, then send 1st Mariner Bank a private, direct message on Facebook describing the five differences.
  • The fifth person to accurately describe the five differences wins!
When can I enter?
  • The pictures of Joe will be posted on 1st Mariner Bank’s Facebook page each Monday at 10:00 a.m. You may begin submitting your entries then. The first contest will begin on Monday, October 29th at 10:00 a.m.
  • Participants will have until each Wednesday of that week at 11:59 p.m. to enter. (But remember, you must be the fifth person to correctly identify the five differences to win!)
  • The winner will be announced on 1st Mariner Bank’s Facebook page before 5:00 p.m. on each Friday that the contest runs.
What can I win?

Each week, the fifth person to correctly identify the five differences between the pictures via a direct message to 1st Mariner Bank on Facebook will win a piece of autographed Joe Flacco merchandise!

Click here to read the full terms and conditions.

Tip: If you “like” Joe Flacco’s and 1st Mariner Bank’s Facebook pages, you will get news feed alerts detailing information about each week’s contest over the course of the football season.

Good luck!

We Found Out How You REALLY Feel...and We're Thrilled!

by Erica Starr 22. October 2012

Conversation Report

 

Wouldn't it be great if banks could get a report on what customers ACTUALLY thought about their products, services and overall offerings? No, we’re not talking about focus groups or surveys. We’ve all done those before, right? They may be helpful for banks like us to gain some insight as to how our customers gauge our services, but wouldn’t it be great if we could somehow be a fly on the wall during some of those un-administered conversations?

Even better, wouldn’t it be great if 1st Mariner Bank was mentioned in that report as one of the front-runners as innovators of social media in the banking industry? Oh wait, we were…

Source: The Conversation Report

Back in June of 2012, Social Media Explorer put together “The Conversation Report: What Consumers Are Saying About Banking.” They primarily monitored online conversations across the country using online market research tools, social media monitoring tools and other indexing services. This means that they used actual, real data from individuals discussing their financial institutions in their own “habitat,” on their own time.

And, drumroll please…your hometown, community bank, 1st Mariner Bank was recognized for our social media efforts. How ‘bout them apples?

A big thanks to the folks over at Social Media Explorer for recognizing 1st Mariner Bank in their national banking report. Check out more about “The Conversation Report: What Consumers Are Saying About Banking.”

If you’d like to take a peek behind the curtain and see what all the hype is about, come check out our social media profiles on Facebook, Twitter, Pinterest, LinkedIn or sign up to get our blog posts sent directly to your inbox.

What do you think about your services here at 1st Mariner Bank? As always, we’d love to hear your feedback. The good, the bad, the ugly, the wonderful? Any feedback is good feedback in our eyes.

I Just Graduated from College, Welcome to My Private Jet

by Stacy Tharp 18. October 2012

Average Starting Salaries for College GradsHey college grads - picture this: after receiving your diploma, you’ve landed a great job at a Fortune 500 company and you’ve got a killer apartment in Harbor East overlooking the water, on which you spend your weekends out on your new boat, where your new “bling” sparkles in the sunlight. Now take a safety pin and pop that ridiculous dream cloud. I could say I’m sorry for smashing (or popping) your dreams, but instead I’m going to say welcome to the real world!

You may have once been the big man on campus, but have you ever heard of the big-fish-little-pond effect? Welcome to the ocean. Now, if you are intelligent, motivated, and a hard worker, I’m sure you’ll go far in your chosen career…but no matter how intelligent, motivated, and hard-working you are, chances are you’ll be beginning your career in a tiny cubicle with a measly paycheck. Oh, and don’t forget about those lovely student loans that it’s time to start paying off.

In order to avoid that “I-think-I-should-be-able-to-live-like-a-rock-star-since-I’m-done-with-college-and-have-a-real-job-now” complex, take into consideration some of these tips for managing your money when you first enter the real world:

  • Open a checking and savings account if you don’t already have them. Though you are no longer a student, many banks will still allow you to open a student/starter checking account, which generally offers some extra advantages over other basic checking accounts.
  • Set a monthly and weekly budget. Figure out how much money you’ll need for bills each month, decide on a realistic amount of money you plan on saving, then take the rest and do the math (yup, still using math out of school) to figure out how to spread out your spending money evenly over the course of the month. Online personal finance management tools can be helpful with this.
  • Make sacrifices. After you create your budget, chances are you’ll have less spending money than you would’ve hoped for, so you’re going to have to prioritize your wants. Do you have to have that Starbucks latte every morning? That’s fine, but you may have to cut out those Thursday evening Happy Hours.
  • Pay all of your bills on time. You can do this easily using a bill pay service, which allows you to schedule payments ahead of time and set up recurring monthly payments. If you find that you are having trouble paying your bills on time, reconfigure your budget.
  • Open a credit card account. Stick to one credit card at first, and don’t charge things to your card that you can’t actually afford.
  • Take advantage of any benefits that your new job offers. Health insurance plans are generally much cheaper when you purchase them through your employer, and many companies offer 401(k) matching benefits. You need to start saving for retirement anyway (unless you plan on working forever), so you might as well let your employer help add to your fund.

The GOOD news is, at some point you’ll start making more money. When this happens, you can add a little more to your weekly budget, but seeing as you’ve been able to survive on your current budget, try to think about your long-term goals and add most of your extra cash to your savings.

If you found this article useful, be sure to check out these related articles:

How I Graduated Debt-Free from College

Money in Your 30s: Manage It, Don't Be Managed by It

The Imaginary Mortgage: Fake It Til You Make It



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