Victory State Bank Highlights 5 Cyber Monday Safety Tips

 

 

STATEN ISLAND, N.Y. – Are you hitting the web for Cyber Monday? Victory State Bank would like to provide you with five tips to ensure you have a successful cyber shopping trip.

The Federal Trade Commission recommends the following to find the best deals safely:



  • Read reviews. Type the name of the product or company into a search engine along with words like “review,” “complaint,” or “scam.” Be sure to read a few reviews — don’t rely on just one source.
  • Look for coupon codes. Search the store’s name with terms like “coupons,” “discounts,” or “free shipping.”
  • Know the terms. Find out what the refund/exchange policies are, and if there are any charges (like shipping costs or restocking fees) if you return a product.
  • Pay by credit card. Credit cards give you protections that other methods of payment may not. If there’s a problem, you have the right to dispute charges and temporarily withhold payment while your dispute is investigated.
  • Use secure checkout. Before you enter your credit card information online, check that the website address starts with “https”. The “s” stands for secure.  If you don’t see the “s,” don’t enter your information.

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Shopping For An IP camera? Victory State Bank

Shares This Advice: View Security Features as Top Priority

 

 

 

STATEN ISLAND, N.Y. – For many business and homeowners, the use of IP cameras is on the rise. Victory State Bank would like to provide the following safety advice from the Federal Trade Commission.

An Internet protocol (IP) camera lets you monitor your home or business using software that connects it directly to the Internet. Unlike a webcam, it doesn’t need a computer to transmit video online. 

But if the IP camera you buy doesn’t encrypt the information it sends, other people could access and view your feed. Put simply, you could be hosting the world’s biggest open house!

When you’re shopping for an IP camera, you’ll want to put security features at the top of your list of priorities.  

Secure Wireless Transmission

An IP camera in your home sends its feed to your home wireless router. A good wireless security protocol helps secure your video feed as it travels to the router. Look for a camera that supports current wireless security protocols, like WPA2.

Secure Internet Transmission

If you access your camera’s video feed remotely, your camera will send information beyond your home wireless router via the Internet.

Not all cameras provide the same levels of security for this. Look for one that encrypts your information, including your username, your password, and the live feeds.

Check the label on the box or read online, or contact the manufacturer directly to see if the camera uses SSL/TLS, or some other industry standard, to protect your information in transit. If your camera uses SSL/TLS to protect your login credentials, the URL for the camera’s login page should begin with https (the “s” is for secure).

Multiple Users 

If you plan to allow several users to access feeds from the camera, consider a camera that allows for different levels of access.

For example, some cameras offer separate settings for administrators, who can make remote changes to settings like creating new accounts, setting passwords, and changing the direction the camera faces or the camera’s zoom function. Other cameras allow you to restrict when certain users can access the camera: You may want a friend to check on your home when you’re away, but not be able to access the camera when you’re in town.

 

 

About Victory State Bank

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Victory State Bank Guides You To Saving Winter-Energy $$

STATEN ISLAND, N.Y. – Victory State Bank would like to remind you that in winter, when many people turn on their heaters and put up holiday lights, gas and electric bills can be much higher than usual.

According to the Department of Energy (DOE), a family spends more than $1,900 a year on electricity bills and other utilities. A big part of those costs come from wasted energy during those cold months.

However, you can save on winter energy costs if you make some changes in certain areas of your home.

Lighting

Improve the lighting in your home and save energy.

    • Replace traditional light bulbs with compact fluorescent light bulbs, which last between six and 12 times longer. Remember to turn off any lights that aren’t in use.
    • Consider using LED lights for Christmas decorations. These use 90 percent less energy than the standard Christmas lights.

Thermostats and heating

Keep your home warm and comfortable.

    • Install a programmable thermostat for your home’s heating system.
    • Keep the doors and windows closed while the heat is on.
    • Frequently change the filters in your furnace.
    • Set the thermostat on your water heater to 120 degrees Fahrenheit.

General tips

Be energy efficient throughout your home.

    • Only use the exhaust fan in the kitchen and bathrooms when necessary.
    • Repair any water leaks in the bathrooms, kitchen, laundry room, etc.
    • Use power strips to plug in portable heaters, television and cell phone chargers. That way, you can turn off the power switch when the devices are not in use.
    • If you’re thinking of replacing your appliances, make sure they have an Energy Star logo. Energy Star products are more energy efficient.

Programs for low-income families

During winter, the government helps low-income families with their energy bills.

The Low Income Home Energy Assistance Program, also known as LIHEAP, helps families pay some of their heating costs. Find out more at http://www.benefits.gov/benefits/benefit-details/1534.

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

Victory State Bank Warns of Fake Debt Collectors

 

 

STATEN ISLAND, N.Y. – Victory State Bank is urging that you be on alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information.

If the caller refuses to answer your questions or is using bullying tactics, they are most likely not a legitimate debt collector.

The Federal Trade Commission suggests the following if you think that a caller may be a fake debt collector:

    • $1Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
    • If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
    • $1Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
    • $1Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
    • $1Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
    • $1Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

Victory State Bank Shares Advice on Starting an Internet Business

 

 

STATEN ISLAND, N.Y. – Starting an Internet business can sound like a dream: Work from home, set your own hours, be your own boss. But most Internet startups require significant investments of time and money, and many of them fail.

Victory State Bank would like to point out that often, bogus Internet-opportunity sales pitches are short on details and long on high-pressure tactics to persuade you to buy before you’ve investigated the offer.

You may encounter pitches like “Start your own Internet business;” “No experience required;” “Experts available to coach you” in a variety of places: on the Web and in e-mail offers, infomercials, classified ads, flyers, texts, telephone pitches, seminars, and direct-mail offers.

The Federal Trade Commission recommends doing the following before you buy any business opportunity:

 

  • Consider the promotion carefully. If it claims buyers can earn a certain income, the promoter also must give the number and percentage of previous purchasers who earned that much. If the promotion makes an earnings claim - but the additional information isn't there - the business opportunity seller may well be violating the law.
  • Study any disclosure documents. Under the Business Opportunity Rule, which is enforced by the FTC, many business opportunity promoters are required to provide a document to potential purchasers that includes information about cancellation and refund policies, whether the seller has faced any lawsuits from purchasers or other legal actions alleging fraud, and contact information for references who have bought the opportunity.
  • Interview previous buyers in person. This helps reduce the chance of being misled by phony references.
  • Do a few Internet searches by entering the company name, or the name of the company’s CEO or president, and words like “complaints” or “scam.” Contact the state attorney general's office, local consumer protection agency, and Better Business Bureau, both where the business opportunity promoter is based and where you live, to see if complaints are on file. While a complaint record may indicate questionable business practices, a lack of complaints doesn't necessarily mean the company – or the opportunity – is legitimate. Unscrupulous dealers often change names and locations to hide a history of complaints.
  • Consult an attorney, accountant, or other business advisor before you put any money down or sign any papers. Entering into a business opportunity can be costly, so it's best to have an expert check out the contract first.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

www.RelevantPR.com

Mobile: 917 715 8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.