Univest
In advance of the West Chester Old-Fashioned Christmas Parade on December 5, we are hosting the Fan Favorite Contest. We want community members to visit www.univest.net/band to watch videos of the six bands marching in the parade that chose to participate and then vote for their favorite. The band that receives the most votes over the two-week contest will be awarded $500. Voting runs through December 4, 2104 at 8:00 p.m. and individuals can vote once per day.

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Univest
The Univest Foundation Board of Directors has given me an honor and a great opportunity by appointing me Executive Director. I have a passion for philanthropy because it can make a significant difference to so many: to individual donors, to non-profit institutions and to the ultimate beneficiaries of their charitable work. The Foundation fosters a wide range of connections between individuals and charitable organizations.

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Univest
Congratulations to Samantha Larkin who was randomly selected as the $1,000 winner in our #LifesAJourney contest. Launched on October 6, the contest asked individuals to share a piece of their journey on the Univest Facebook and/or Twitter pages using #LifesAJourney. Samantha entered through our Facebook page, sharing pieces of her story with us:

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Univest
Despite the never-ending onslaught of data breach incidents that have been occurring at large corporations, there is a surprising sense among small businesses that they are immune to such exposures. Unfortunately, that is not the case. Even if your business does not hold personal information, there are still numerous ways it can be exposed.

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Univest
Is your teenager in need of a financial education? If your child is like most American teens, the answer is yes. For many years, young adults have had to file for bankruptcy largely due to overwhelming debt from credit cards, student loans and extravagant purchases. This certainly isn’t the path they desire, but while teenagers want to achieve financial success, they lack the early guidance needed to avoid pitfalls.

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Univest
We are excited to welcome three new relationship managers to the corporate banking team in West Chester – Kelli Domizio, Bernadette Duffy and Barbara Willis will be developing and expanding Univest’s commercial loan portfolio in Chester County and the surrounding communities. Our integrated office in downtown West Chester opened in May of 2013 with six employees. Today, ten employees work out of this downtown office offering an array of financial solutions including corporate banking, wealth management solutions and mortgage banking.

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Univest
After a rough start, markets chased away the ghosts of October to close the month on a positive note. The NASDAQ Composite climbed to its best level in nearly 14 years, shrugging off an early month decline of more than 6% to rally and close 3% over September. The S&P 500 also closed out October on a strong note, moving up 8% over the final two weeks of October to close 2.3% higher for the month after a weak start.

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Univest
Congratulations to Truman High School for their unmatched school spirit! Two years in a row, they have earned the most votes in our Caring For Sports Giveaway earning the school’s athletic department $1,000. In addition, Truman was awarded a school spirit banner and each of the 1,600 students received custom foam fingers.

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Univest
Financial independence is a terrific goal, but how can you achieve it? I guess you could win the lottery – but that’s not likely. You could develop a proactive game plan and take the task on yourself. While this is a good idea, it also sounds like something easily put off until tomorrow or the next day. If you are like many people trying to balance all of life’s activities, there often doesn’t seem to be enough time in the day.

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Univest
In honor of Halloween, millions of people will be handing out candy to masked trick-or-treaters. But far spookier than those little ghosts and goblins on the doorstep are the financial demons that plague many Americans and threaten their bank accounts.

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Univest
My client was furious when she learned that she was considered the “Out Spouse.” This is a term used by divorce attorneys to describe spouses that don’t have experience managing their household finances, taxes or legal matters. Surprisingly, in homes where both spouses work, it’s still common for men to control the major finances. So after 30 years of marriage, my soon-to-be divorced client is an “Out Spouse.”

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Univest
Have you ever wondered why so many people have their accounts hacked? It is often because they did not follow best practices for creating a password. In most cases, the passwords used were too short, lacked complexity and were not changed on a regular basis.

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