Indoor Activities for Cold Winter Months

Monday, February 25 at 02:00 PM
Category: Personal Finance

The winter months can be bittersweet. While cold weather sometimes means snow days and sledding, too often it means staying inside for days at a time. Rather than binging a new TV show or suffering with the symptoms of cabin-fever, check out these great indoor activities.

Museum Hop

How often do you pass museums while driving through town without stopping to see what they have to offer? Often, museum admission is free or relatively inexpensive. Make a list of several places you are interested in visiting, research the cost and spend the day touring as many as possible.

Museums USA1 provides a database of museums in the United States. It is organized by state, so you can easily search your location for a great list of places to visit. If you have a limited amount of time, encourage each individual in your group to pick a different museum, and dedicate a couple hours each weekend to exploring a new place.

Bake Something New

Nothing combats the winter blues like freshly baked chocolate chip cookies. Search the internet or your favorite cookbook for new recipes, and choose several to make. The smell of baked goods will warm up your home instantly and you may even discover a new favorite recipe.

If you are out of baking essentials and have to make a quick grocery run, be sure to pay with an Arvest Personal Credit Card to earn rewards points on everyday purchases. Not an Arvest customer? Apply for an Arvest Personal Credit Card today and enjoy 0%2 APR for 12 billing cycles. After that, your rate will be based on credit worthiness 14.65% to 21.00%. You can also earn up to $1003 in bonus rewards.

Try a Fitness Class

If you are tired of sitting on the couch or cannot stop eating the dessert you baked, consider signing up for an indoor fitness class. A simple jog or brisk walk have been replaced by spin classes, group classes and at-home workout videos. NBC News1 put together a list of the best workouts for 2019, complete with pros and cons of each option.

Do not endure cold temperatures during the winter. Try out several new indoor workouts and find the one that best fits your interests, schedule and lifestyle. You can even choose to set goals to achieve each week and keep track of your progress. Stay motivated and it will be a lot easier to stay active.

Start a Book Series

Cold winter days are perfect for relaxing with a good book, so why not dive into a new series? Pick a different genre each time and expand your knowledge with each turn of the page. If the weather is too bad to drive to the library or local bookstore, consider signing up for a book subscription box, which is delivered by mail. The Washington Post1 provides a list of nine different boxes as well as their price and product details.

Whether you decide to purchase a new book from the bookstore, or sign up for a subscription online, be sure to pay with your Arvest Personal Credit Card and earn rewards points to redeem later.

1Link is a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

2Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers for 12 billing cycles from date of account opening. After that, the APR for purchases, and balance transfers will be based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The APR for cash advances will vary based on your creditworthiness (between 14.65% and 21.00% APR) and will vary based on the prime rate. The transaction fee for cash advances and cash equivalent transactions is the greater of $4 or 4% of the transaction. Foreign transaction fee is 1% of each transaction in U.S. dollars. Rates apply to new accounts only and are accurate as of January 8, 2019. Subject to credit approval. Additional limitations, terms and conditions may apply.

3Bonus: Open a new Arvest Personal Credit Card to qualify for the one-time bonus of up to $100 after spending $500 on eligible purchases within the first (3) billing cycles of account opening. $100 bonus is awarded as 10,000 rewards points in the Arvest Flex Rewards™ program. Arvest Flex Rewards™ is a program where you can earn one point for every $1 you spend using your Arvest Credit Card. Eligible purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Limit one 10,000 points bonus per Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler’s checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. Bonus points will be applied to your account within three billing cycles after your qualifying purchase. To be eligible for the $100 bonus offer, the Card Account must be open and not in default as of the date the bonus points are applied. For complete details, ask an Arvest associate or go to arvest.com/bonus. Offer valid from January 1 through December 31, 2019.

Member FDIC

The views of this article are for general information use only. Please contact and speak with a subject expert or your banker when specific advice is needed.

 

Tags: Credit Cards, Financial Education
 

Arvest Bank Offers Special Assistance to Customers Affected by Shutdown

Friday, January 25 at 08:00 AM
Category: Arvest News

Arvest Bank has announced additional accommodations for our customers affected by the current government shutdown. Because we understand the uncertainty caused by an interruption in income, we’ve established a Special Assistance Customer Care hotline for our customers who need help managing their accounts during this time.

If you have concerns about your accounts related to the government shutdown, please call this dedicated line during normal business hours – 

Arvest Special Assistance Customer Care: (877) 483-2940.

A customer care associate will walk you through specific accommodations available to you.

  • ARVEST MORTGAGE CUSTOMERS: Arvest is suppressing credit reporting, waiving late fees and offering payment assistance including forbearance. In addition to calling (877) 483-2940, mortgage customers can visit the Arvest website to learn more about hardship assistance. Options will vary based on loan type and investor guidelines.
  • PERSONAL LOANS (AUTO, HOME EQUITY, DEBT CONSOLIDATION, ETC.): Arvest is offering payment deferrals for existing loans based on need. In addition, Arvest is waiving origination fees and offering an extension of the first payment due date for some new consumer loan types. Affected customers are encouraged to call (877) 483-2940 to discuss options.
  • CONSUMER AND BUSINESS CREDIT CARD CUSTOMERS: Arvest is offering payment deferrals. Affected customers are encouraged to call (877) 483-2940.
  • CHECKING ACCOUNT HOLDERS: Arvest is waiving account insufficient funds and overdraft fees, as well as monthly account fees, when applicable. To request these waivers or refunds, please call (877) 483-2940.
  • BUSINESS OR COMMERCIAL LOANS: Please contact your local Arvest banker for personalized assistance.

At Arvest we are committed to helping our customers through this challenging time. If you have questions about any of the above accommodations or your eligibility, please do not hesitate to call (877) 483-2940.

Tags: Arkansas, Budgeting, Business Banking, Community Support, Credit Cards, Credit History, Credit Score, Customer Question, Debt, Home Loans, Kansas, Lending and Financing, Missouri, Mortgage, Oklahoma, Overdraft Coverage
 

Arvest Bank Offers Assistance to Customers Affected by Shutdown

Wednesday, January 09 at 04:00 PM
Category: Arvest News

Arvest Bank wants to advise any loan customers dealing with a reduction in income due to the current government shutdown that help is available for those who need assistance. Customers who have concerns about their loan obligations are encouraged to contact the bank during normal business hours to discuss their options.

  • Any affected Arvest Mortgage customers can call (800) 232-5524 or visit the Arvest website to learn more about hardship assistance due to the shutdown, natural disasters or other loss of income.
  • Arvest customers with concerns about other Arvest personal loan types (auto, home equity, debt consolidation, etc.) are encouraged to call (855) 303-5479. 
  • Arvest consumer and business credit card customers should call (800) 356-8085.
  • Business customers with business and/or commercial loans should contact their local Arvest banker.

Arvest Bank understands the uncertainty created by an interruption of income by situations like this, and is committed to helping those customers who need assistance through this difficult time.

 

Tags: Arkansas, Credit Cards, Debt, Kansas, Lending and Financing, Missouri, Oklahoma
 

6 Secrets to Avoiding a Post-Holiday Empty Wallet

Friday, November 10 at 01:00 PM
Category: Arvest News

Making it through the holidays with your budget intact may at first sound unattainable; however, with planning and a little effort, it is possible.

As we approach the busy holiday shopping season, here are a few tips to get the most out of the festivities while ensuring that your post-holiday wallet isn’t bare. After all, ‘tis the season to have it all! You shouldn’t have to sacrifice fun and relaxing holiday experiences with your friends and family because of budget restrictions.

1. Get Organized 

Find out how much you have in your budget to spend on gifts, cards, decorations, food, travel and events this holiday season. Make lists and set a budget. Keep track and hold yourself accountable. 

2. Enjoy Free Events

Love to go caroling or see your downtown covered in lights? Many of these types of events are free and open to the public. Check your town’s online calendar of events and social media for budget-friendly holiday activities.

3. Think Beyond Traditional Gifts

Consider less traditional gifts to save money this season. Experiences, scrapbooks, babysitting offers and baked goods are good options. What about redeeming gift cards or items from any of your rewards programs as no-cost presents to hand out to loved ones? You could also organize a volunteer day with your friends and family, donating time to help improve your local community. If gifts are a must, consider implementing a gift swap or draw names. 

4. Plan for a Potluck

If you are planning a holiday gathering, consider hosting a potluck-style meal with each attendee bringing a different dish. Keep a list of what everyone is bringing so that you avoid duplicate dishes. You can create a customized online sign-up at perfectpotluck.com.*

5. Look for Discounts on Travel

Travel can be a huge holiday expense. Look for discounts on airfare and bus tickets. Sign up for email alerts from your favorite transportation providers! According to a study by cheapair.com*, if you are traveling for the holidays, you are generally better off booking your flights early to snag the lowest fares. You may also be able to make it home for the holidays by redeeming your credit card rewards points.

6. Earn Rewards Points

You can also maximize earning on your holiday spending with rewards points and promotions that are available during the holidays and into the New Year. For example, new Arvest Flex Rewards™ Credit Card customers can earn up to 10,000 bonus points (a $100 value) in your first three months using the card. This offer is good for new cards until Dec. 31, 2017. Plus, for new and current card holders, Arvest is giving customers the opportunity to earn DOUBLE their points for every $500 they spend up to $2,000 from Nov. 1, 2017 until Jan. 31, 2018. For any additional spend beyond $2,000, customers would still continue to earn the standard base level of 1 point for every $1 spent as part of the Arvest Flex Rewards™ program. You can visit your local Arvest branch or call (866)952-9523 to learn more! Be sure to keep track of your credit card spending and pay off the balance each month to maximize your earning potential.

We hope these tips help you to cut costs this holiday season, so you can spend less time worrying about your spending and more time enjoying your friends and family. 

The views of this article are for general information use only. Please contact and speak with a subject expert or your banker when specific advice is needed.

Links marked with * go to a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.

 

 

Tags: Credit Cards, Financial Education
 

Looking Ahead: 5 Tips to Work Smarter, Not Harder

Tuesday, August 08 at 10:00 AM
Category: Business Banking
What is your business hoping to accomplish in 2018? Whether you are looking to build upon your successes or make improvements, you can move things in the right direction by clearly outlining your goals for both the short and long term. With a few months left in 2017, it is a good time to think about your strategy for the upcoming year. So where should you start? These quick tips may help as you prepare your roadmap for success!
 
1. Evaluate Your Business
 
Though often skipped, self-assessment is the key first step to moving forward. When you base your business’s strategy on learnings from real-time experiences, you can find your niche and what can really set you apart in the marketplace. It’s easy to get distracted by the day-to-day grind, by either staying too safe with operations as business as usual or by gravitating toward what’s on-trend with the competition. Spend some time evaluating what is currently happening within your business, both the good and the bad. This evaluation process may clue you in to an area that could be restructured for greater efficiency or it could offer insight about how to improve an already high-performing area.
 
2. Assess Key Relationships
 
Take some time to assess your key business relationships. Compare any vendors or agencies you currently use against their competition to ensure that you are getting the job you need done as efficiently and effectively as possible. Also consider how you are making payments to your outside vendors. Can those processes be improved? Are there opportunities and financial tools you could use to save or streamline the accounts payable process?
 
3. Assemble an Internal Think-Tank
 
Assemble a group or groups within your organization and task them with developing solutions, delegating a plan for improvement, or in success, determining how to maintain certain projects or relationships. Bring together individuals from different departments to greatly enhance your business’s ability to think outside the box and collaborate during the planning stages. Keep this group of individuals engaged throughout the upcoming year as they will be able to help your business adjust or modify the plan in the face of changes. Hold them accountable as they can have a significant impact on how the business will perform in the coming year.
 
4. Examine Your Spend Strategy
 
Be sure that you are aligning your spending strategy as your business evolves. What has worked in the past may not be good practice for what is to come. For example, as remote work continues to boom across the country, it may be time to adjust your budget and spending strategies to account for more of your workforce working from home or off-site. It’s also important to review and update company policies on spending and reporting, if deemed necessary. Take action and standardize where opportunities exist.
 
5. Review Your Recording Tools
 
Consider how you have historically managed, tracked and controlled spending on things like travel, materials, office supplies and subscriptions. Are there new tools available? Utilizing commercial credit cards that provide budget tracking, spending resources, and rewards programs can help you keep a handle on your bottom line, while maximizing your potential. 
 
For example, the Arvest Corporate Credit Card with Arvest Flex Rewards™ features 24/7 online access to monitoring and management tools through CentreSuite. And from Aug. 1 through Sept. 30, 2017, Arvest is offering a one-time bonus of up to 10,000 Arvest Flex Rewards™ bonus points when you sign up for a corporate credit card. Points can be redeemed for a variety of rewards, including travel and cash back. The overall idea is to streamline your spending to work smarter, not harder in the coming year. 
 
Though this type of examination and planning takes time and resources, making it a priority will help your business grow. Chances are the roadmap you create will keep your business on track to achieve success!
 
The views of this article are for general information use only. Please contact and speak with a subject expert or your banker when specific advice is needed.

 

Tags: Business Banking, Credit Cards

Choose one or more categories to subscribe to:




Cancel