1 00:00:00,041 --> 00:00:01,876 Hello. Hello, hello, hello. 2 00:00:01,876 --> 00:00:05,422 We are back again and let me get myself all set here. 3 00:00:05,547 --> 00:00:08,550 Posture so I can read this properly. 4 00:00:08,883 --> 00:00:11,428 We'd like to welcome our sponsor, ascend Bank. 5 00:00:11,428 --> 00:00:13,054 We appreciate them so much. 6 00:00:13,054 --> 00:00:14,723 I do my banking there. 7 00:00:14,723 --> 00:00:17,976 And really, the main reason initially was because of our guest. 8 00:00:18,226 --> 00:00:19,769 We'll tell you more about her shortly. 9 00:00:19,769 --> 00:00:23,982 But at the send bank, they don't just see accounts, they see ambitions. 10 00:00:24,274 --> 00:00:27,527 Whether you're saving for your dream home, launching a growing your business 11 00:00:27,944 --> 00:00:32,907 fueled by a passion, driven by vision, planning a once in a lifetime adventure 12 00:00:32,907 --> 00:00:33,616 that sounds good. 13 00:00:33,616 --> 00:00:36,703 One enjoys, yes, for simply seeking financial peace of mind. 14 00:00:36,953 --> 00:00:40,874 They are here to guide you every step of the way you can trust them. 15 00:00:41,291 --> 00:00:44,711 So together, you'll build a legacy that reaches beyond the bottom line 16 00:00:45,045 --> 00:00:47,088 with ascend Bank. 17 00:00:47,088 --> 00:00:50,800 Like to say a big thank you to all of our sponsors, woodwinds, wedding 18 00:00:50,800 --> 00:00:56,347 and special events, venue and Silvio sources the woodwinds.com ascend bank. 19 00:00:56,723 --> 00:01:00,810 They don't just see your accounts, they see your vision and ambitions. 20 00:01:01,102 --> 00:01:05,315 Ascend Dot Bank Moonshots a vegan based company 21 00:01:05,315 --> 00:01:10,403 that delivers the highest quality organic juices, coffee bowls and so much more. 22 00:01:10,737 --> 00:01:16,159 Drink moonshots.com and to your health, nutrition and health 23 00:01:16,159 --> 00:01:20,663 coaching, creating a lifestyle tailored just for you to your health. 24 00:01:20,872 --> 00:01:22,832 Three 60.com. 25 00:01:22,832 --> 00:01:26,127 We're deeply grateful to all of our sponsors for their support, 26 00:01:26,127 --> 00:01:26,961 and for partnering 27 00:01:26,961 --> 00:01:31,091 with us to uplift and enrich the lives of our listeners and viewers. 28 00:01:31,466 --> 00:01:32,717 Appreciate you for tuning in to 29 00:01:32,717 --> 00:01:34,886 what's good with John and Joyce, whether it be on YouTube. 30 00:01:34,886 --> 00:01:38,473 Subscribe for free, tell all your friends about it, but we are your good news. 31 00:01:38,473 --> 00:01:40,391 Stop 30 minutes every week. 32 00:01:40,391 --> 00:01:44,270 No negativity, no politics, and oh no, 33 00:01:44,354 --> 00:01:46,231 we have an amazing guest with us right now. 34 00:01:46,231 --> 00:01:48,233 I've known her for a long, long time. 35 00:01:48,233 --> 00:01:50,568 We're talking off camera about 21 years. 36 00:01:50,568 --> 00:01:53,279 I think now. Yes, it is amazing, Amy. 37 00:01:53,279 --> 00:01:54,447 Amazing, amazing. 38 00:01:54,447 --> 00:01:55,615 Amy, I'll ask you. 39 00:01:55,615 --> 00:01:57,617 Good to have you here, Amy. Thank you. 40 00:01:57,617 --> 00:02:00,203 Thanks for having me. Yeah. Representing ascend Bank. 41 00:02:00,203 --> 00:02:01,621 And we appreciate that. Okay. 42 00:02:01,621 --> 00:02:05,208 So before people think like oh no banking, this is going to be 43 00:02:05,208 --> 00:02:08,253 an exciting show because it's the first of the year. 44 00:02:08,378 --> 00:02:08,670 All right. 45 00:02:08,670 --> 00:02:11,881 What do people think about I'm going to get healthy I'm going to look better. 46 00:02:12,507 --> 00:02:14,509 How do I make money? What do I do? 47 00:02:14,509 --> 00:02:17,512 A lot of people just don't know what to do and they're afraid of it. 48 00:02:17,512 --> 00:02:19,305 Like the oh, is the economy bad? 49 00:02:19,305 --> 00:02:20,932 Can I save money? 50 00:02:20,932 --> 00:02:23,935 So I thought, we've got to bring Amy in and talk to Amy's going to teach us 51 00:02:24,018 --> 00:02:25,311 how to become millionaires. And we. 52 00:02:25,311 --> 00:02:26,813 All right. 53 00:02:26,813 --> 00:02:27,105 Yeah. 54 00:02:27,105 --> 00:02:29,816 We got your attention there, didn't we? Yeah. 55 00:02:31,192 --> 00:02:32,777 Oh, big shoes to fill. 56 00:02:32,777 --> 00:02:34,279 Now the pressure was on, but. 57 00:02:34,279 --> 00:02:34,863 Yeah. But Amy. Yeah. 58 00:02:34,863 --> 00:02:37,824 Welcome. Yeah. Thank you, thank you. 59 00:02:37,824 --> 00:02:38,283 Yeah. 60 00:02:38,283 --> 00:02:41,452 So, I've been with the sun Bank for about four years now, 61 00:02:41,452 --> 00:02:45,456 but I've been in banking for over 30 years, so I'm dating myself. 62 00:02:45,498 --> 00:02:48,209 You started when you were 12. Thank you. 63 00:02:48,209 --> 00:02:48,710 Yeah. 64 00:02:48,710 --> 00:02:50,295 And, I've been in business 65 00:02:50,295 --> 00:02:54,465 banking for 28 years, and, I've helped a lot of business clients, 66 00:02:54,757 --> 00:02:59,429 you know, whether they're starting out or they've been in existence for a while. 67 00:02:59,679 --> 00:03:02,682 I've done everything from commercial lending 68 00:03:02,682 --> 00:03:05,894 to cash management, to just helping people. 69 00:03:06,060 --> 00:03:09,063 You know, if they're with another bank and they're not happy, 70 00:03:09,147 --> 00:03:12,358 you know, I'm helping them sort of guide them, 71 00:03:12,567 --> 00:03:16,070 you know, maybe help with cash flow, opportunities. 72 00:03:16,070 --> 00:03:19,616 Because in cash management, we have a lot of different services that we can offer 73 00:03:19,991 --> 00:03:23,661 to kind of help with that, and give them funds immediately. 74 00:03:23,870 --> 00:03:26,873 So, you know, that's what I do every day. 75 00:03:27,081 --> 00:03:29,667 And, you know, it's not and it's not scary. 76 00:03:29,667 --> 00:03:34,464 I think I know nervous around looking at everything. Yes. 77 00:03:34,464 --> 00:03:37,008 Like where I eat all of that. 78 00:03:37,008 --> 00:03:39,886 So you make it nice and easy. 79 00:03:39,886 --> 00:03:40,261 Oh, that's 80 00:03:40,261 --> 00:03:41,846 one of the things I love about us in there, 81 00:03:41,846 --> 00:03:44,390 because when I've been in there in the past, they know you by name. 82 00:03:44,390 --> 00:03:48,186 It's a local bank, but they appeal, you know, to way beyond local. 83 00:03:48,186 --> 00:03:51,481 But when you go in there, they just take the time to really ask about you. 84 00:03:51,481 --> 00:03:52,857 How can we help you? 85 00:03:52,857 --> 00:03:55,652 It's not a one shop or one stop fits all. 86 00:03:55,652 --> 00:03:56,694 And that's what I like about. 87 00:03:56,694 --> 00:04:00,323 And, you know, for those who are listening, who are not in the area, 88 00:04:00,615 --> 00:04:04,869 Amy still going to give you some advice on maybe what to ask your banker 89 00:04:04,869 --> 00:04:07,956 if you don't live, you know, you know, there's an ascend Bank. 90 00:04:08,206 --> 00:04:11,417 So we are located we have eight offices. 91 00:04:11,793 --> 00:04:14,754 Excuse me, 13 now, we actually, 92 00:04:14,754 --> 00:04:20,093 we, as you know, we were, originally Guilford Savings Bank GSB, 93 00:04:20,426 --> 00:04:23,263 and we changed our name in the summer, in July. 94 00:04:23,263 --> 00:04:25,974 And, when we did that, it was a 95 00:04:25,974 --> 00:04:26,766 it was a decision 96 00:04:26,766 --> 00:04:30,311 that had been going on for years because we wanted to expand in Connecticut, 97 00:04:30,561 --> 00:04:32,063 our footprint. 98 00:04:32,063 --> 00:04:34,357 We do have clients all over the state of Connecticut, 99 00:04:34,357 --> 00:04:37,068 but we wanted to be more, have more of a presence. 100 00:04:37,068 --> 00:04:40,154 So I think, you know, having the name ascend 101 00:04:40,446 --> 00:04:43,157 was really a great move for the name ascend. 102 00:04:43,157 --> 00:04:45,618 Yeah. Ascend means going up. Yeah. 103 00:04:45,618 --> 00:04:49,789 And so we ended up buying, a smaller bank, 104 00:04:49,789 --> 00:04:52,792 which was called Eastern Connecticut Savings. 105 00:04:53,042 --> 00:04:54,711 They became ascend. 106 00:04:54,711 --> 00:04:57,422 And now we have 13 offices. 107 00:04:57,422 --> 00:05:00,591 So we're in Norwich area all the way up to Plainfield. 108 00:05:00,925 --> 00:05:04,971 We go all the way down to Branford and then all the way up to North Haven. 109 00:05:05,305 --> 00:05:06,889 So, yeah. 110 00:05:06,889 --> 00:05:10,935 And then we have our operations headquarters in Wallingford 111 00:05:11,269 --> 00:05:12,312 on Barnes Road. 112 00:05:12,312 --> 00:05:15,648 We opened that in April, May of this year, 113 00:05:16,065 --> 00:05:19,152 and it's a 35,000 square foot facility. 114 00:05:19,485 --> 00:05:21,863 And everybody's kind of there. 115 00:05:21,863 --> 00:05:24,032 It's it's sort of a central location. 116 00:05:24,032 --> 00:05:25,992 So you'll be hearing more, but I'm sure we'll 117 00:05:25,992 --> 00:05:29,787 be expanding in Wallingford area since we have a presence there now. 118 00:05:29,829 --> 00:05:31,998 You're so community based, aren't you? 119 00:05:31,998 --> 00:05:34,584 We are solved with it. Yeah, yeah. I love that. 120 00:05:34,584 --> 00:05:37,587 And people need that nowadays because everything has gotten so corporate 121 00:05:37,670 --> 00:05:40,340 and we've lost that one on one approach. 122 00:05:40,340 --> 00:05:43,426 And and I get the impression that's the kind of approach you take, Amy. 123 00:05:43,426 --> 00:05:45,178 I mean, there's a lot of bankers out there. 124 00:05:45,178 --> 00:05:47,722 What do you think makes you stand out so much? 125 00:05:47,722 --> 00:05:49,474 Well, I would I want to do banking with you. 126 00:05:49,474 --> 00:05:53,019 I know well, I'm a relationship person. 127 00:05:53,019 --> 00:05:53,269 Yeah. 128 00:05:53,269 --> 00:05:59,108 And I think, I think that ascend is the right bank for me because 129 00:05:59,108 --> 00:06:03,154 they value not only their employees, but we value our clients. 130 00:06:03,404 --> 00:06:06,908 And I think, when I came on board, you know, 131 00:06:06,991 --> 00:06:11,537 at first it was a little bit of a shocker because I was at a larger, institution. 132 00:06:11,537 --> 00:06:15,708 And I came over and I realized this is where I fit. 133 00:06:16,417 --> 00:06:21,005 And I think, you know, happy employees, happy clients. 134 00:06:21,005 --> 00:06:23,174 Everybody is very happy there. 135 00:06:23,174 --> 00:06:27,720 It's hard to explain, but I think there's a value aspect there. 136 00:06:27,720 --> 00:06:30,932 And it's it's a really that's what makes us different. 137 00:06:31,224 --> 00:06:32,642 We really care about our clients. 138 00:06:32,642 --> 00:06:34,352 We're a mutually held bank. 139 00:06:34,352 --> 00:06:37,355 So our clients are our shareholders. 140 00:06:37,647 --> 00:06:41,692 So that's really important to us that we make sure that we make people 141 00:06:41,692 --> 00:06:44,904 I love that, I love that it's like the green Bay Packers football team. 142 00:06:44,904 --> 00:06:47,448 They're they're owned by the fans. 143 00:06:47,448 --> 00:06:49,492 I don't they don't have that. Yeah, they're owned by the fan. 144 00:06:49,492 --> 00:06:50,993 The fans own the green Bay Packers. 145 00:06:50,993 --> 00:06:53,121 I figured I'd throw that in for you guys out there. That's great. 146 00:06:53,121 --> 00:06:54,997 I didn't know that. Yeah. Yes, yes. 147 00:06:54,997 --> 00:06:57,917 Because the things you listen to or learn, I mean, you'll yeah. 148 00:06:57,917 --> 00:07:00,711 Like what's going on, especially when you're talking. 149 00:07:00,711 --> 00:07:02,630 And that's the thing we all work as a team. 150 00:07:02,630 --> 00:07:04,966 So I have partners that I work with. 151 00:07:04,966 --> 00:07:07,927 Whether it's the branches, the commercial lenders, 152 00:07:08,094 --> 00:07:11,264 I mean, we all work together for the greater good. 153 00:07:11,264 --> 00:07:15,017 We want to make sure that our client is made whole, and, 154 00:07:15,017 --> 00:07:17,770 you know, whatever that is, if we're giving them guidance, 155 00:07:17,770 --> 00:07:20,773 you know, maybe it's not the right opportunity now for them, 156 00:07:20,773 --> 00:07:24,610 but we can give them guidance forward and say, and, you know, that's great. 157 00:07:24,610 --> 00:07:25,653 So even if they're not ready 158 00:07:25,653 --> 00:07:27,405 to go to your bank, you're still going to help them anyway. 159 00:07:27,405 --> 00:07:29,907 Yeah. Because you never know. It just it's all timing. 160 00:07:29,907 --> 00:07:31,951 Yeah. That's that's exactly it. 161 00:07:31,951 --> 00:07:34,912 And I always tell people there's no obligation. Just meet with me. 162 00:07:34,912 --> 00:07:36,914 I'm happy to sit down and talk with you. 163 00:07:36,914 --> 00:07:40,460 If you guys need guidance and you want to move forward with something. 164 00:07:41,294 --> 00:07:43,463 I'm here. I'm not going anywhere. 165 00:07:43,463 --> 00:07:45,047 You know, I'm hoping to retire there. 166 00:07:45,047 --> 00:07:46,883 Yes. So, you know, that's that's far away. 167 00:07:46,883 --> 00:07:49,010 But, you know, I like the fact you're not pushy. 168 00:07:49,010 --> 00:07:49,969 I'm not pushy. 169 00:07:49,969 --> 00:07:50,970 Yeah, I'm not pushy. 170 00:07:50,970 --> 00:07:52,972 I think that's why I like it there. 171 00:07:52,972 --> 00:07:57,727 Because, again, I go back to we're a relationship based bank. 172 00:07:58,144 --> 00:08:01,314 You know, people say, oh, yeah, all banks say they're relationship banks, 173 00:08:01,314 --> 00:08:04,317 but we really are a relationship bank. 174 00:08:04,400 --> 00:08:07,612 So whether someone comes in with a lot of money 175 00:08:08,154 --> 00:08:11,449 or someone comes in and says, look, I want to open an account, 176 00:08:11,908 --> 00:08:16,954 I think I could put $50 a month into it, you know, but I want to regularly do this. 177 00:08:16,954 --> 00:08:18,748 You could help them. Yes. 178 00:08:18,748 --> 00:08:20,541 Yes, we I mean, we help everybody. 179 00:08:20,541 --> 00:08:23,920 It's not it's not who has the most money, who doesn't, 180 00:08:24,295 --> 00:08:26,923 you know, and we help in all aspects. 181 00:08:26,923 --> 00:08:31,093 So I mean, again, you know, we have different parts of the bank 182 00:08:31,344 --> 00:08:33,221 that can help with other things. 183 00:08:33,221 --> 00:08:36,265 Gray ledge is our, financial advisor partner. 184 00:08:36,641 --> 00:08:38,726 They're part of our bank. 185 00:08:38,726 --> 00:08:41,687 And so if somebody is looking to maybe do investments or maybe, 186 00:08:42,355 --> 00:08:47,026 you know, money, for retirement, our Gray Ledge advisors are great. 187 00:08:47,026 --> 00:08:49,403 We have Ted and Anthony. 188 00:08:49,403 --> 00:08:53,574 Ted kind of covers, you know, one area Anthony covers the other. 189 00:08:53,866 --> 00:08:57,370 We also have, Scott alb ratio, and he is a guy 190 00:08:57,370 --> 00:09:00,540 who handles all 4 or 1 k's and things like that. 191 00:09:00,540 --> 00:09:02,458 So he specializes in that. 192 00:09:02,458 --> 00:09:06,712 So, you know, we have a it's you know, I'm throwing people's names out there. 193 00:09:06,712 --> 00:09:09,340 But it's really important because names are important. 194 00:09:09,340 --> 00:09:10,424 People are important. 195 00:09:10,424 --> 00:09:13,010 We again we know our clients. 196 00:09:13,010 --> 00:09:14,845 We want to know them more. Right. 197 00:09:14,845 --> 00:09:16,973 So I was talking to somebody 198 00:09:16,973 --> 00:09:19,976 over a cup of coffee recently and they said they were at another bank 199 00:09:19,976 --> 00:09:23,854 and they had to go through a whole bunch of hoops, paperwork, layers 200 00:09:23,854 --> 00:09:26,440 and layers and layers. And she got so frustrated. 201 00:09:26,440 --> 00:09:28,734 Three months of that and she filled everything out, 202 00:09:28,734 --> 00:09:31,612 did everything, that they had asked her to do. 203 00:09:31,612 --> 00:09:34,615 And then at the end of that three months, they said, we really can't help you. 204 00:09:34,699 --> 00:09:37,702 So she picked up and went right over to a bank, 205 00:09:37,952 --> 00:09:41,956 and she said everything was accomplished, like in a nanosecond, you know? 206 00:09:41,956 --> 00:09:44,375 So why couldn't they have done that? Yeah. 207 00:09:44,375 --> 00:09:45,668 And we just a big bank. 208 00:09:45,668 --> 00:09:46,419 Yeah. Big bank. 209 00:09:46,419 --> 00:09:47,336 And I'll tell you. 210 00:09:47,336 --> 00:09:49,463 So we spent a lot of money. 211 00:09:49,463 --> 00:09:54,093 We have a program that we use, that we open all of our accounts. 212 00:09:54,093 --> 00:09:57,930 We can open them, whether it's somebody remote or they're in front of us, 213 00:09:57,930 --> 00:10:00,683 and it's the same program, and it's so easy. 214 00:10:00,683 --> 00:10:04,437 I mean, it takes ten minutes to open a business account 215 00:10:04,437 --> 00:10:07,940 and maybe three minutes to open a personal well, and it's fast. 216 00:10:07,940 --> 00:10:10,067 And that's what people want nowadays because we live in. 217 00:10:10,067 --> 00:10:12,069 Yes, we live in a world where we just want it done. 218 00:10:12,069 --> 00:10:13,404 We want it yesterday. 219 00:10:13,404 --> 00:10:14,196 And you know that 220 00:10:14,196 --> 00:10:17,408 from a psychological standpoint, sharing is so much easier for people. 221 00:10:17,617 --> 00:10:19,827 Yeah, yeah, that's for you. 222 00:10:19,827 --> 00:10:23,247 I think my first positive experience with the bank as a little girl, 223 00:10:23,706 --> 00:10:28,127 my mother said, we're going to set up a Christmas club for you. 224 00:10:28,502 --> 00:10:30,379 And I was so excited about that. 225 00:10:30,379 --> 00:10:32,840 Remember I remember Christmas, yes. 226 00:10:32,840 --> 00:10:37,261 So I would go to the bank once a week with her and put little bit of money in, 227 00:10:37,678 --> 00:10:39,472 and then I didn't want to do what she said. 228 00:10:39,472 --> 00:10:42,475 No, no, because at the end of the year you'll see. 229 00:10:42,683 --> 00:10:43,851 And I'll just never forget 230 00:10:43,851 --> 00:10:48,022 getting that money to buy presents, actually for my family. 231 00:10:48,022 --> 00:10:49,857 Yeah. But it was so cool. 232 00:10:49,857 --> 00:10:51,400 And you had a passbook, right? Yes. 233 00:10:51,400 --> 00:10:54,403 And that's the I remember those passbooks anymore. 234 00:10:54,403 --> 00:10:54,987 Yes. 235 00:10:54,987 --> 00:10:57,698 Because you could keep it and you see it adding up. 236 00:10:57,698 --> 00:11:00,534 Oh, yeah. Yes. Do you have clubs like that? 237 00:11:00,534 --> 00:11:02,370 We don't know. We don't. 238 00:11:02,370 --> 00:11:02,995 Bring it back. 239 00:11:02,995 --> 00:11:05,456 Amy. Come on Rebecca. Nostalgia. 240 00:11:05,456 --> 00:11:06,874 We don't have to call a Christmas club. 241 00:11:06,874 --> 00:11:10,378 It could be, Like what? 242 00:11:10,378 --> 00:11:13,881 Like a I want to say something like a manifestation club. 243 00:11:13,881 --> 00:11:15,424 Yeah, yeah, I'm all for that. 244 00:11:15,424 --> 00:11:18,260 I, I remember the days when people would come in and they'd 245 00:11:18,260 --> 00:11:23,182 open a CD and you'd give them a toaster, or a coffee maker. 246 00:11:23,224 --> 00:11:23,599 Right. 247 00:11:23,599 --> 00:11:27,103 Well thank you, Ryan, I go, I go back, right? 248 00:11:27,103 --> 00:11:27,478 Yeah. 249 00:11:27,478 --> 00:11:30,147 I think we all get to a point I take. Yeah, those. 250 00:11:30,147 --> 00:11:31,315 Yeah. 251 00:11:31,315 --> 00:11:33,651 Well, I'll tell you, I never thought that I'd be in banking, 252 00:11:33,651 --> 00:11:35,486 and, I'm glad that I did. 253 00:11:35,486 --> 00:11:38,489 I actually left for a little while, and then I came back 254 00:11:38,531 --> 00:11:41,992 and I missed it that much because I really like helping people. 255 00:11:42,243 --> 00:11:44,829 I really do, you know, I don't think people realize that. 256 00:11:44,829 --> 00:11:46,706 But you are in service. 257 00:11:46,706 --> 00:11:48,207 Yeah. Doing that you are. 258 00:11:48,207 --> 00:11:52,211 Yes. And I you know, I would hope that somebody would treat me that way. 259 00:11:52,253 --> 00:11:55,256 You know, when I came out, you know, what's the old saying, 260 00:11:55,381 --> 00:11:58,217 do unto others as you'd want done to yourself. 261 00:11:58,217 --> 00:12:00,678 Right. So that's always been my motto. 262 00:12:00,678 --> 00:12:03,556 So I always want to make sure that somebody is taken care of. 263 00:12:03,556 --> 00:12:05,766 Is it always going to be perfect? No. 264 00:12:05,766 --> 00:12:08,519 But you always find an answer or, you know, a 265 00:12:08,519 --> 00:12:11,522 workaround or something to get things done. 266 00:12:11,522 --> 00:12:11,772 Yeah. 267 00:12:11,772 --> 00:12:14,316 And, you know, I think people appreciate that. 268 00:12:14,316 --> 00:12:17,778 Also like John, you were saying before, like if you go out 269 00:12:17,778 --> 00:12:21,657 and see somebody, you're not always going to get that deal right away. 270 00:12:21,949 --> 00:12:25,035 You're I always say I use the word planting the seed. 271 00:12:25,369 --> 00:12:27,204 You're planting the seed. Right? 272 00:12:27,204 --> 00:12:30,207 And that seed eventually will grow, right? 273 00:12:30,207 --> 00:12:34,128 Maybe not, but somebody will say, I remember meeting her. 274 00:12:34,128 --> 00:12:35,629 I remember meeting Amy. 275 00:12:35,629 --> 00:12:39,175 So I hope that people remember that, like when I go out there 276 00:12:39,383 --> 00:12:43,345 and I'm talking to a business owner and helping them, like with their cash 277 00:12:43,345 --> 00:12:43,888 flow needs 278 00:12:43,888 --> 00:12:48,267 or if they need, you know, you know, I was talking about cash management. 279 00:12:48,267 --> 00:12:50,394 People don't really know what cash management is. 280 00:12:50,394 --> 00:12:54,648 It's they either call it cash management or treasury services either or. 281 00:12:55,065 --> 00:12:58,194 That's ACH services, that's 282 00:12:58,194 --> 00:13:02,156 where you can get automatic payments either to or from. 283 00:13:02,156 --> 00:13:06,118 Right, wire transfers, that they can do remotely. 284 00:13:06,118 --> 00:13:07,411 This is all done remotely. 285 00:13:07,411 --> 00:13:09,205 They don't have to go into a branch. 286 00:13:10,956 --> 00:13:11,665 Also remote 287 00:13:11,665 --> 00:13:15,669 deposit you get next day funding on whatever check. 288 00:13:15,920 --> 00:13:17,963 So say you have a check for $100,000. 289 00:13:17,963 --> 00:13:19,507 It's available in the next day. 290 00:13:19,507 --> 00:13:21,759 Sometimes you go into a bank, right? 291 00:13:21,759 --> 00:13:24,053 It first day you get a certain amount of money. 292 00:13:24,053 --> 00:13:26,138 The second day you get a another amount. 293 00:13:26,138 --> 00:13:28,516 By the third day, maybe it's all cleared. 294 00:13:28,516 --> 00:13:30,768 So people need that cash flow. 295 00:13:30,768 --> 00:13:32,937 You know, it's it's it's really hard. 296 00:13:32,937 --> 00:13:34,688 It's like, you know nowadays 297 00:13:34,688 --> 00:13:37,608 you know, especially now with the tariffs and everything like that. 298 00:13:37,608 --> 00:13:42,363 It's been really, really difficult for a lot of people, especially manufacturing. 299 00:13:43,072 --> 00:13:45,783 So Joyce, with that $100,000 check you got in yesterday, 300 00:13:45,783 --> 00:13:48,786 it's going to be available later on today. 301 00:13:48,953 --> 00:13:51,121 But Amy, what about, you know, knowing you as well as I 302 00:13:51,121 --> 00:13:54,333 do, I love the fact that you're really out there, too. 303 00:13:54,333 --> 00:13:56,252 I mean, not out there this way, 304 00:13:56,252 --> 00:13:57,920 but out there in the public because you're, like, 305 00:13:57,920 --> 00:14:00,965 involved with so much wherever there's like three or more people, 306 00:14:01,173 --> 00:14:02,800 you're out there to make friends. Yes. 307 00:14:02,800 --> 00:14:04,677 And you're asking people questions about them. 308 00:14:04,677 --> 00:14:08,639 You're not trying to pounce on people, but it's all about the relationship. 309 00:14:08,639 --> 00:14:10,140 Like we keep going back to 310 00:14:10,140 --> 00:14:12,309 and getting to know them, because the more you get to know 311 00:14:12,309 --> 00:14:16,105 them in their life and their needs, the will provide the lead. Yes. 312 00:14:16,105 --> 00:14:18,691 In what you're going to be going and and planting the seeds. 313 00:14:18,691 --> 00:14:20,234 Yeah. Community is really big. 314 00:14:20,234 --> 00:14:22,528 I mean, you know we we do a lot. 315 00:14:22,528 --> 00:14:25,948 I'm sure you guys have seen the ascend sponsors sponsored. Yes. 316 00:14:25,948 --> 00:14:28,701 They're everywhere I mean people. Yeah. 317 00:14:28,701 --> 00:14:32,913 And a lot of people say, you know say somebody in I don't know, Milford. 318 00:14:32,913 --> 00:14:33,914 Right. 319 00:14:33,914 --> 00:14:35,541 Well you guys aren't in this area. 320 00:14:35,541 --> 00:14:36,709 We still sponsor. 321 00:14:36,709 --> 00:14:38,544 Well, we're big into sponsoring. 322 00:14:38,544 --> 00:14:40,045 Not for profits. 323 00:14:40,045 --> 00:14:41,755 It's very big for us. 324 00:14:41,755 --> 00:14:45,718 The other thing we do is we, we offer an auction team. 325 00:14:45,718 --> 00:14:46,760 So I think, John, 326 00:14:46,760 --> 00:14:49,763 you are at the Women in Family Life Center, which I'm on the board of. 327 00:14:49,763 --> 00:14:53,559 I'm the vice chair, and he's there all the time. 328 00:14:53,851 --> 00:14:56,687 And just so many events for your bank has been there. Yes. 329 00:14:56,687 --> 00:14:58,022 And we're one of the sponsors. 330 00:14:58,022 --> 00:15:03,235 And we actually send an auction team to help I love and which is so nice. 331 00:15:03,235 --> 00:15:05,529 It's like, I don't know, there's something about that. 332 00:15:05,529 --> 00:15:10,492 It's very it makes me feel good that we're in the community and we're giving back. 333 00:15:10,743 --> 00:15:13,370 I think that's so important for not just for for business. 334 00:15:13,370 --> 00:15:15,956 Obviously leads to good business. But your motive is go out there. 335 00:15:15,956 --> 00:15:18,667 Hey, you've been blessed as a bank with so many people. 336 00:15:18,667 --> 00:15:20,711 You're going out there and blessing others in the community that, 337 00:15:20,711 --> 00:15:22,004 hey, listen, we're here. 338 00:15:22,004 --> 00:15:24,214 Yeah, and we've been around for 150 years. 339 00:15:24,214 --> 00:15:25,883 You look pretty darn good for 150 years. 340 00:15:25,883 --> 00:15:28,010 Wow. Really? 341 00:15:28,010 --> 00:15:29,428 Wait 150 years. 342 00:15:29,428 --> 00:15:32,222 Always under the name of Gilford Savings. 343 00:15:32,222 --> 00:15:33,724 Gilford savings Bank. No, that. 344 00:15:33,724 --> 00:15:36,477 Yes. That's fantastic. Yes. 345 00:15:36,477 --> 00:15:40,272 What a great heartbeat at the middle of all of this great energy. 346 00:15:40,272 --> 00:15:41,231 And I tell people, 347 00:15:41,231 --> 00:15:45,152 you know, the name changed, but the people and the bank has not changed. 348 00:15:45,361 --> 00:15:48,447 Yeah, it's just the name I send is a great name. 349 00:15:48,697 --> 00:15:49,114 Yeah. 350 00:15:49,114 --> 00:15:51,659 Well they I think they had quite a bit 351 00:15:51,659 --> 00:15:53,869 I know, I think they had quite a bit of names 352 00:15:53,869 --> 00:15:56,372 and they kind of narrowed it down to like ten names and. 353 00:15:56,372 --> 00:15:58,582 Right, this was the one and I love the logo. 354 00:15:58,582 --> 00:15:59,249 Other names. 355 00:15:59,249 --> 00:16:03,045 Just out of curiosity, I have you know, no, I wasn't a trivia question. 356 00:16:03,045 --> 00:16:04,505 Right, right I don't know. 357 00:16:04,505 --> 00:16:05,881 Yeah I don't know. 358 00:16:05,881 --> 00:16:08,217 But I'm glad that they came up with this name. 359 00:16:08,217 --> 00:16:10,302 Yeah. And I love the logo. 360 00:16:10,302 --> 00:16:13,180 To me it's very powerful. 361 00:16:13,180 --> 00:16:15,557 Yes. Yes. Yeah. 362 00:16:15,557 --> 00:16:17,267 So people shouldn't be afraid. 363 00:16:17,267 --> 00:16:22,773 They should go in and discuss money, even if they have very little of it right now. 364 00:16:23,482 --> 00:16:27,987 And, or maybe they thinking about investing in a new business, 365 00:16:28,404 --> 00:16:31,281 but because of the economy, they might be afraid. 366 00:16:31,281 --> 00:16:33,283 But you would be the person. Yes. 367 00:16:33,283 --> 00:16:36,120 Or direct them to the person to speak with? Yes. 368 00:16:36,120 --> 00:16:39,415 You know, one of the things, we, we, 369 00:16:39,415 --> 00:16:43,669 we always constantly come out with new services, new products. 370 00:16:44,128 --> 00:16:47,798 One of the things were we started offering last year was, 371 00:16:48,257 --> 00:16:51,677 a line of credit that it's called an express line of credit. 372 00:16:52,219 --> 00:16:54,722 Not just not just not to talk products. 373 00:16:54,722 --> 00:16:56,849 Yeah. Not to talk products. Okay. 374 00:16:56,849 --> 00:17:00,519 But I will tell you that it is such an easy program. 375 00:17:00,853 --> 00:17:04,523 You know, there's like three, like, we can't really, lend to, 376 00:17:04,523 --> 00:17:06,358 not for profits. 377 00:17:06,358 --> 00:17:08,610 But I will tell you that, 378 00:17:08,610 --> 00:17:11,155 it's a $50,000 line 379 00:17:11,155 --> 00:17:14,158 or a $50,000 loan, or you can do a combination. 380 00:17:14,450 --> 00:17:17,578 And all we ask for is that you're in business for two years, 381 00:17:18,370 --> 00:17:21,081 and that you have a credit score of over 700. 382 00:17:21,081 --> 00:17:22,458 That's it. 383 00:17:22,458 --> 00:17:23,625 I need to come to you. 384 00:17:23,625 --> 00:17:25,210 I need a roof on my house. 385 00:17:25,210 --> 00:17:25,919 And then it's three. 386 00:17:25,919 --> 00:17:30,716 And literally it's three, 3 or 4 day turnaround and and then you have access. 387 00:17:31,133 --> 00:17:32,217 Wow. Yeah. 388 00:17:32,217 --> 00:17:34,970 So to your business and over 700 with your credit score. 389 00:17:34,970 --> 00:17:36,680 Yeah. That's it tastic. Yeah. 390 00:17:36,680 --> 00:17:38,223 And it is fantastic. 391 00:17:38,223 --> 00:17:40,726 So like a super high a lot of people can do that. Yeah. 392 00:17:40,726 --> 00:17:42,686 And this is something we've been working on for a while 393 00:17:42,686 --> 00:17:46,940 because I remember when I came on board, that was one of the things I said. 394 00:17:46,940 --> 00:17:49,359 And, you know, other people had mentioned that, 395 00:17:49,359 --> 00:17:51,320 you know, they've been asking for this. 396 00:17:51,320 --> 00:17:54,323 So we've really, like, ramped up with this. 397 00:17:54,323 --> 00:17:58,368 And, people, you know, sometimes need cash quickly. 398 00:17:58,368 --> 00:18:03,540 Especially for the business, you know, if they're looking for some cash flow, 399 00:18:03,540 --> 00:18:06,794 you know, they can utilize it, but they can go right online and transfer 400 00:18:07,169 --> 00:18:09,254 between the account. Yeah. That's great. 401 00:18:09,254 --> 00:18:11,507 The changed so much from back in the old days 402 00:18:11,507 --> 00:18:14,968 when you had to go there physically and you this online has changed everything. 403 00:18:15,177 --> 00:18:17,679 It has it has it's it's amazing. 404 00:18:17,679 --> 00:18:20,724 And we have a great online platform to, for both, 405 00:18:20,724 --> 00:18:24,520 the retail aspect of it and also our treasury platform. 406 00:18:24,520 --> 00:18:29,274 We, we invested a lot of money, upgrading, for the cash management 407 00:18:29,274 --> 00:18:34,571 clients that are looking to do things like lockbox and, and things like that. 408 00:18:34,571 --> 00:18:36,657 So, what is lockbox? 409 00:18:36,657 --> 00:18:42,621 Lockbox is, when you, usually like health care or property managers, 410 00:18:42,621 --> 00:18:45,958 if there's a bunch of properties, they don't want the money to come to them. 411 00:18:45,958 --> 00:18:47,751 It goes to a P.O. box. 412 00:18:47,751 --> 00:18:51,255 Usually, like I think ours is located up in the Boston area. 413 00:18:51,672 --> 00:18:53,549 And then they do all the deposits for them. 414 00:18:53,549 --> 00:18:56,635 But our our fees, I mean, I say this, I'm saying 415 00:18:56,635 --> 00:18:59,638 this on air, but our fees are so minimal 416 00:18:59,763 --> 00:19:04,226 to anybody when it comes to our services compared to other banks. 417 00:19:04,643 --> 00:19:09,064 I think that's another thing that makes things a little bit different. 418 00:19:09,356 --> 00:19:13,861 Or is there a one line item we don't charge for every ACH, 419 00:19:13,861 --> 00:19:18,907 we don't charge for every remote deposit like every check or deposit. 420 00:19:18,907 --> 00:19:21,160 Be one of those banks to do that. That's so wrong. 421 00:19:21,160 --> 00:19:23,078 It's nickel and diming, they call it. 422 00:19:23,078 --> 00:19:24,913 They call it nickel and diming. Yeah. 423 00:19:24,913 --> 00:19:27,666 And you know people that do have balances, 424 00:19:27,666 --> 00:19:31,545 depending upon what account they have can offset all those fees. 425 00:19:31,545 --> 00:19:34,548 So they pretty much get it for free based on their balances. 426 00:19:34,590 --> 00:19:35,507 So it's really nice. 427 00:19:35,507 --> 00:19:38,302 There's a lot of like there's a lot of opportunity there. 428 00:19:38,302 --> 00:19:42,472 Another thing that, has really risen, 429 00:19:42,472 --> 00:19:45,475 especially since Covid is, fraud. 430 00:19:45,767 --> 00:19:48,770 I'm sure you guys have seen a lot of fraud. 431 00:19:48,770 --> 00:19:52,608 And, you know, checks are getting washed and things like that, but we have 432 00:19:52,608 --> 00:19:54,818 the theft. All that stuff is happening more terrible. 433 00:19:54,818 --> 00:19:55,611 It's terrible. 434 00:19:55,611 --> 00:19:59,156 But positive pay is, all banks offer it. 435 00:19:59,406 --> 00:20:00,532 But positive pay 436 00:20:00,532 --> 00:20:04,953 is something that we offer on the check side and on the, ACH side. 437 00:20:05,245 --> 00:20:09,082 So what that does is it matches up with what they provide. 438 00:20:09,416 --> 00:20:13,712 And then that if it doesn't match up, the client will get something 439 00:20:13,712 --> 00:20:15,923 that says they have to make a decision 440 00:20:15,923 --> 00:20:18,926 whether they want to pay or receive, you know, pay or return. 441 00:20:19,051 --> 00:20:19,676 Let's say 442 00:20:19,676 --> 00:20:22,054 now when people come to your bank, what is the biggest apprehension 443 00:20:22,054 --> 00:20:24,389 they have when they when they sit with you, which is well, 444 00:20:24,389 --> 00:20:29,603 I can tell you on the business side and it is a big move to change banks. 445 00:20:30,270 --> 00:20:32,940 And, you know, to keep people at ease. 446 00:20:32,940 --> 00:20:35,984 Some banks, if you move there, they're like, 447 00:20:35,984 --> 00:20:38,862 oh, you got to move over everything immediately with us. 448 00:20:38,862 --> 00:20:43,116 It's a, I tell people, however long you would like it to take, 449 00:20:43,116 --> 00:20:47,120 if it takes you a month, two months, three months, it's a process 450 00:20:47,120 --> 00:20:50,123 because people have automatic debits coming out of their account. 451 00:20:50,332 --> 00:20:53,418 You know, they need to move over their services. 452 00:20:53,418 --> 00:20:57,047 So if they have ACH services and things like that, we have to move them over. 453 00:20:57,297 --> 00:20:59,508 But it depends. It depends on the client. 454 00:20:59,508 --> 00:21:01,969 I had a client where I moved them over in a week. 455 00:21:01,969 --> 00:21:04,429 I had another client. It took them three months. 456 00:21:04,429 --> 00:21:06,265 So it just depends upon the person. 457 00:21:06,265 --> 00:21:07,849 So you have to adapt. 458 00:21:07,849 --> 00:21:09,226 You have to be a chameleon. 459 00:21:09,226 --> 00:21:11,061 You do. You really have to do this? You do. 460 00:21:11,061 --> 00:21:14,022 And you can see their posture change can't you, when they're sitting. 461 00:21:14,022 --> 00:21:15,941 Oh yeah, they're a little bit nervous in the beginning. 462 00:21:15,941 --> 00:21:17,943 Then all of a sudden, yeah they relax a little bit. 463 00:21:17,943 --> 00:21:19,278 They're breathing easier. 464 00:21:19,278 --> 00:21:22,406 Once you realize it's not as challenging as you think it is. 465 00:21:22,406 --> 00:21:22,948 It's not. 466 00:21:22,948 --> 00:21:25,534 You just want to make people feel comfortable 467 00:21:25,534 --> 00:21:28,704 and let them know that you understand the way they feel. 468 00:21:28,912 --> 00:21:31,540 Because it isn't easy to move banks. 469 00:21:31,540 --> 00:21:35,043 I will tell you that people don't like change and people don't like change. 470 00:21:35,419 --> 00:21:36,169 They don't like change. 471 00:21:36,169 --> 00:21:40,757 So could you move a loan from one bank to your bank? 472 00:21:40,966 --> 00:21:41,675 Well, we would 473 00:21:41,675 --> 00:21:45,137 we would process a new loan for them so it would come through our bank. 474 00:21:45,137 --> 00:21:48,223 So if they wanted us to take out the loan they currently have, 475 00:21:48,557 --> 00:21:49,641 they would do it through us. 476 00:21:49,641 --> 00:21:52,519 But then and then the person pays off. 477 00:21:52,519 --> 00:21:55,731 We would yeah, they would pay it off or we can pay it off for them 478 00:21:55,731 --> 00:21:58,734 depending upon how they want to have that. But handled. 479 00:21:58,734 --> 00:22:01,486 So it's yeah it's a, it can be a process. 480 00:22:01,486 --> 00:22:02,571 Yeah. To go through. 481 00:22:02,571 --> 00:22:06,533 And it depends upon how much the line of credit or loan that they have. 482 00:22:07,659 --> 00:22:08,452 But, you know, we 483 00:22:08,452 --> 00:22:13,290 always try to make sure that we, you know, make the client understand 484 00:22:13,290 --> 00:22:17,544 the process before all of it, because it's not like two weeks. 485 00:22:17,836 --> 00:22:19,254 You have a line of credit. 486 00:22:19,254 --> 00:22:22,090 I mean, if it's a larger one, like a 50,000, 487 00:22:22,090 --> 00:22:24,634 we can do that pretty quickly, like 3 to 4 days. 488 00:22:24,634 --> 00:22:25,469 There's a review. 489 00:22:25,469 --> 00:22:25,969 That's right. 490 00:22:25,969 --> 00:22:27,304 Yes I approve. Yeah. 491 00:22:27,304 --> 00:22:30,640 So if I find out that your interest rate is lower, 492 00:22:31,475 --> 00:22:34,603 like, than what I would be paying at my current bank. 493 00:22:34,603 --> 00:22:36,855 Sure. I want to be with you. 494 00:22:36,855 --> 00:22:38,357 Yes, yes, yes. 495 00:22:38,357 --> 00:22:41,276 But I will tell you that if you're if you're replacing 496 00:22:41,276 --> 00:22:44,279 your roof, what you probably want to do is look at a home equity. 497 00:22:44,529 --> 00:22:46,865 Because our home equity rates are fabulous. 498 00:22:46,865 --> 00:22:50,535 And we have like an introductory I think it's for, the first year, 499 00:22:50,869 --> 00:22:53,205 it's like prime minus one. 500 00:22:53,205 --> 00:22:55,457 And so our prime I think is at seven right now. 501 00:22:55,457 --> 00:22:58,460 Okay. So it might be prime minus two. 502 00:22:58,460 --> 00:23:00,504 I can find out for you Joyce. Okay. 503 00:23:00,504 --> 00:23:01,797 Yes. Please do. Yeah. 504 00:23:01,797 --> 00:23:05,967 So what are the stipulations to get that prime, loan like, Yeah. 505 00:23:05,967 --> 00:23:06,927 They have to do. Yeah. 506 00:23:06,927 --> 00:23:09,513 They have to do a drawdown of 25,000. Okay. 507 00:23:10,806 --> 00:23:12,140 And that's on the personal side. 508 00:23:12,140 --> 00:23:15,143 You know, it would be it would the home equity would be based on your house. 509 00:23:15,977 --> 00:23:17,229 Oh I see yeah. Yeah. 510 00:23:17,229 --> 00:23:19,564 The value that the value. Yeah. Yeah. 511 00:23:19,564 --> 00:23:22,067 Which is crazy now I mean it's all over it. 512 00:23:22,067 --> 00:23:22,901 It's skyrocketing. 513 00:23:22,901 --> 00:23:25,904 But sometimes it goes a little lower and. 514 00:23:26,196 --> 00:23:28,281 Yeah I know you go on Zillow, right? 515 00:23:28,281 --> 00:23:31,034 It's all over the place and it changes day to day. 516 00:23:31,034 --> 00:23:31,701 It does. 517 00:23:31,701 --> 00:23:32,994 It really does. It does. Right. 518 00:23:32,994 --> 00:23:35,455 So it really matters what's going on in that moment. 519 00:23:35,455 --> 00:23:40,210 But then you get locked in so that if things change where this is value, 520 00:23:40,210 --> 00:23:43,213 if you have a line of credit, the line of credit will go with prime. 521 00:23:43,672 --> 00:23:46,258 So so like they'll give an introductory rate. 522 00:23:46,258 --> 00:23:50,720 And then what they'll do is after that it'll be it'll be prime minus or prime. 523 00:23:50,929 --> 00:23:52,013 Or prime. 524 00:23:52,013 --> 00:23:53,014 It could be prime plus. 525 00:23:53,014 --> 00:23:55,267 It depends like you know what you're looking for. 526 00:23:55,267 --> 00:23:58,019 I my minus prime and prime plus. Yeah. 527 00:23:58,019 --> 00:23:59,479 That sounds like so. 528 00:23:59,479 --> 00:24:01,857 Yeah. Exactly I know I watched that tonight. 529 00:24:03,650 --> 00:24:04,734 Yeah. 530 00:24:04,734 --> 00:24:07,737 So so you get a lot of people coming in for mortgages. 531 00:24:08,113 --> 00:24:10,407 Yeah. We have a great mortgage area. 532 00:24:10,407 --> 00:24:13,660 So we have people that are out, out on the road, 533 00:24:13,660 --> 00:24:17,205 they're outside reps, and then we have two internal reps. 534 00:24:17,330 --> 00:24:21,168 So if somebody is calling in and they're looking to get something. 535 00:24:21,585 --> 00:24:22,794 Yeah. 536 00:24:22,794 --> 00:24:23,837 Right. Great. 537 00:24:23,837 --> 00:24:24,087 Yeah. 538 00:24:24,087 --> 00:24:25,797 Jason Jason's great. 539 00:24:25,797 --> 00:24:31,344 He's he's in charge of the whole, residential mortgage and home equity area. 540 00:24:31,386 --> 00:24:34,639 So, but we have some really great people. 541 00:24:34,639 --> 00:24:37,767 See, we know all the people, every we all know each other. 542 00:24:37,767 --> 00:24:38,810 That's the nice thing. 543 00:24:38,810 --> 00:24:41,771 I've been at banks before that they're so big that people 544 00:24:41,771 --> 00:24:43,732 you don't know go down the hallway. Who are you? 545 00:24:43,732 --> 00:24:45,901 Are you right? Yeah. Everybody knows each other by name. 546 00:24:45,901 --> 00:24:47,611 You probably told me. How was your weekend? Yeah. 547 00:24:47,611 --> 00:24:49,112 Your kids. 548 00:24:49,112 --> 00:24:50,030 Yeah, we have about. 549 00:24:50,030 --> 00:24:52,741 I want to say somewhere between like two. 550 00:24:52,741 --> 00:24:56,786 I'll say 200 to 225 employees total with all 13 branches. 551 00:24:56,786 --> 00:24:57,746 Yeah, yeah. 552 00:24:57,746 --> 00:24:59,331 And some great parties. 553 00:24:59,331 --> 00:25:01,291 Do you have Christmas party, all of that? Yeah. 554 00:25:01,291 --> 00:25:02,459 We do. We get together. 555 00:25:02,459 --> 00:25:06,213 In fact when when we got to me, eastern Connecticut, 556 00:25:06,254 --> 00:25:10,550 which is now part of us, they, we had a merger mixer. 557 00:25:10,675 --> 00:25:11,843 It was really nice. 558 00:25:11,843 --> 00:25:13,053 We had a suffrage. 559 00:25:13,053 --> 00:25:14,763 I don't know if you've ever been up there. 560 00:25:14,763 --> 00:25:18,016 Up in the Essex area, I was Essex, or every time 561 00:25:18,058 --> 00:25:19,935 I was saying I always mix it up. 562 00:25:19,935 --> 00:25:21,061 I love that whole area. 563 00:25:21,061 --> 00:25:24,564 Chester, Essex, everything, deep river, that whole area is suffering. 564 00:25:24,564 --> 00:25:29,986 But they do wonderful things like they had retirement parties, because we had, 565 00:25:29,986 --> 00:25:35,867 Tim Gillan, who retired, Renee Pallenberg just retired, did her wedding there. 566 00:25:35,867 --> 00:25:37,160 Joyce. Renee. 567 00:25:37,160 --> 00:25:38,578 Really? Yeah. Way back. 568 00:25:38,578 --> 00:25:41,331 Well, from wedding to retirement. 569 00:25:41,331 --> 00:25:44,167 Exactly. From wedding to retirement. Sounds like a hallmark movie. That's 570 00:25:45,752 --> 00:25:47,337 from wedding to retirement. 571 00:25:47,337 --> 00:25:49,881 We could probably have that, right. They have all these in Connecticut. 572 00:25:49,881 --> 00:25:52,217 That's right. The hallmark they do, they do. 573 00:25:52,217 --> 00:25:54,177 A sand bank could sponsor. 574 00:25:54,177 --> 00:25:57,097 Yes. Yes, yes. Yeah. Right. That sounds good. 575 00:25:57,097 --> 00:25:58,515 Yeah, yeah. 576 00:25:58,515 --> 00:26:01,768 So they should, see Amy. 577 00:26:02,310 --> 00:26:03,353 Do we call? Yeah. 578 00:26:03,353 --> 00:26:05,605 All right. Oh, they get in contact with you. Amy. Yeah. 579 00:26:05,605 --> 00:26:06,648 How do they get in contact? 580 00:26:06,648 --> 00:26:11,152 They can email me at, AK malesky 581 00:26:11,361 --> 00:26:15,448 malesky at ascend Dot Bank ASC. 582 00:26:15,448 --> 00:26:18,326 And is there to two or amazing Amy. 583 00:26:18,326 --> 00:26:21,705 Is that officially part of your email address that's coming up right. 584 00:26:21,705 --> 00:26:23,707 That's not fair John. You've been calling me that for years. 585 00:26:23,707 --> 00:26:25,542 That's amazing. Amy. 586 00:26:25,542 --> 00:26:28,295 Yeah, I would just say to people is to, 587 00:26:28,295 --> 00:26:32,215 make peace with your money because that's something 588 00:26:32,215 --> 00:26:35,385 I've been learning to do and not be fearful 589 00:26:35,385 --> 00:26:39,139 to look at your checkbook or that, you know, you have to face it. 590 00:26:39,306 --> 00:26:42,350 Yeah, but then realize you had the power to change 591 00:26:42,350 --> 00:26:45,353 it as well and ask for help. 592 00:26:45,729 --> 00:26:48,732 Like Amy, you know, truly, 593 00:26:48,773 --> 00:26:53,320 I love sitting down with people because if I can change people's vision, 594 00:26:53,653 --> 00:26:57,741 you know, they come in apprehensive and they leave feeling at ease. 595 00:26:58,074 --> 00:27:01,536 That makes me feel great whether they come with me or not. 596 00:27:01,578 --> 00:27:06,124 I just want people to feel like, you know, they can come and ask and, 597 00:27:06,124 --> 00:27:09,252 I, I just, I'm. 598 00:27:09,336 --> 00:27:10,587 I truly believe in that. 599 00:27:10,587 --> 00:27:13,423 I think good things always come back to you. 600 00:27:13,423 --> 00:27:17,302 And, you know, when you're when you're in banking 601 00:27:17,427 --> 00:27:20,722 at any bank, you know, there's always goals and things like that. 602 00:27:21,014 --> 00:27:24,684 I really don't think about those things because I always know 603 00:27:25,060 --> 00:27:27,103 that things will happen. 604 00:27:27,103 --> 00:27:29,648 And if they're meant to be, they're meant to be. Yes. 605 00:27:29,648 --> 00:27:31,441 And it always happens. 606 00:27:31,441 --> 00:27:33,860 Well, since we changed over to a sand bank, 607 00:27:33,860 --> 00:27:36,655 now my wife is going for Mike in the morning. So, 608 00:27:38,156 --> 00:27:40,992 she does have a lot more calm and a lot more calm. 609 00:27:40,992 --> 00:27:41,868 Good for the both of you. 610 00:27:41,868 --> 00:27:44,454 Absolutely, exactly. But, Amy, thank you so much. 611 00:27:44,454 --> 00:27:46,539 Thank you. I wish you nothing but the best with the sand. 612 00:27:46,539 --> 00:27:47,290 Thank you. 613 00:27:47,290 --> 00:27:51,252 Appreciate you guys being a sponsor of what's good with John and Joyce as well. 614 00:27:51,419 --> 00:27:53,880 You know, and we appreciate all of our sponsors. 615 00:27:53,880 --> 00:27:55,131 And thank you so much for watching. 616 00:27:55,131 --> 00:27:57,133 What's good with John and Joyce. Share it with everybody. 617 00:27:57,133 --> 00:28:01,137 You know, 30 minutes every week you're going to feel a whole lot better. 618 00:28:01,596 --> 00:28:04,391 You know, politics, no negativity. 619 00:28:04,391 --> 00:28:06,893 Have a great one I love you. Bye for now. 620 00:28:06,893 --> 00:28:09,729 Hey, I heard you got engaged. Congratulations. 621 00:28:09,729 --> 00:28:11,564 Now it's time to book the DJ. 622 00:28:11,564 --> 00:28:12,524 And that's where we come in. 623 00:28:12,524 --> 00:28:15,193 Hi, I'm John Cadillac, Seville with John Seville entertainment. 624 00:28:15,193 --> 00:28:18,571 Wedding wire and the knot 2026 Couples Choice Awards winner. 625 00:28:18,571 --> 00:28:19,989 You can call me directly if you'd like it. 626 00:28:19,989 --> 00:28:22,325 (200) 398-8065 eight. 627 00:28:22,325 --> 00:28:25,829 We'll set up your free consultation or go to John cashman.com. 628 00:28:25,829 --> 00:28:30,291 That's (203) 988-0658 or John cashman.com. 629 00:28:30,291 --> 00:28:33,503 We offer excellent peace of mind and a great time 630 00:28:33,503 --> 00:28:37,507 for all John Seville Entertainment a name you know and can trust.