Victory State Bank Offers Tips on Buying a Home Security System

 

STATEN ISLAND, N.Y. – Home security systems are designed to help keep you, your family, and your home safe.  Victory State Bank would like to advise you that some security systems turn out to be a scam.  It is important to do your research before giving your money and trusting your security to a company. The Federal Trade Commission advises the following before deciding on a home security system:

 

Get references from your friends, family, neighbors, co-workers and from the company's current clients. Find out whether the equipment was installed within the given time frame. Were any equipment problems dealt with promptly? Was the system explained to everyone living in the home? If there was an intrusion, were the police contacted immediately?

Check out the companies by entering their names in a search engine online. Read about other people's experiences with the companies. Try to communicate offline if possible to clarify any details. In addition, contact your state Attorney General, local consumer protection agency, and the Better Business Bureau to see if any complaints are on file.

Verify that the contractor's licenses are current and in good standing. Check with the National Association of State Contractors Licensing Agencies for the appropriate agency in your state.

Get written estimates from several companies, and ask plenty of questions. A reputable company will not try to sell you anything before completing a professional assessment of your needs and the layout of your home. Find out:

  • Who will perform the installation and monitor the system? Some companies subcontract this work to a third party.
  • What is the contract period for monitoring? One year? More? Are there penalties for early termination? What happens if you move before the contract term is up?
  • How much does the monitoring cost? How often will you be billed?
  • Does the company call you before notifying the police?
  • How soon after the alarm sounds will you be notified?
  • What happens if the alarm company can't reach you when the alarm is sounding? Is the alarm reset? Are the police called? Are alternate numbers called?
  • What happens if the power goes out? Is there a back-up battery system?
  • What does the warranty cover, and for how long? Is it from the manufacturer or their installer?
  • Who is responsible for repairs or upgrades to the system?
  • Does the company offer interactive services like smoke and fire detection, remote control, video surveillance, email notifications and special apps for smart phones?

Read the fine print. Once you've chosen a company, make sure the written contract includes all oral promises made by the salesperson. Your contract package should include:

  • Installation price
  • Monthly or quarterly monitoring fee
  • Contract period
  • Applicable discounts
  • A written warranty
  • The owner's manual
  • An explanation of your right to cancel the deal
  • Cancellation forms

The contract also must be dated, and show the name and address of the seller.

Contact your police and fire departments. Ask whether you need to register your system, and if there are fines for responding to false alarms.

 

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.


Victory State Bank Asks: Do Potential Clients Know How Good You Really Are?


STATEN ISLAND, N.Y. -- For many entrepreneurs the growth of a business depends upon the answer to these two questions:

Are you an expert in your field?

If so, do potential clients know how good you really are?

With this in mind, Victory State Bank points to the following suggestions from Relevant Public Relations LLC for someone who wants to build a reputation as an expert:

  1. Learn as much about the industry and its potential new directions before launching your goal to become a recognized expert.
  2. Remember, nothing replaces experience.
  3. Keep learning; education never stops.
  4. It's important to network with potential clients, as well as others in your field: Join your local Chamber of Commerce; participate in community-service organizations, business-networking groups and trade organizations
  5. Read industry publications, as well as general business publications; take classes and attend seminars.
  6. Surround yourself with experts who can help you in areas outside of your own expertise. This will allow your business to run smoothly so you can focus on what you do best.
  7. Publicize your accomplishments.
  8. Speak before groups and associations.
  9. Utilize social media sites, such as Facebook, LinkedIn and Twitter to interact with others as an industry expert.
  10. Providing ongoing useful industry-related advice on a blog and social media sites.
  11. As often as possible, getting your name referred to in the media and elsewhere an expert in your industry (a public relations pro can help with this).
  12. Establish a newsletter with useful content as a means of reminding others of your expertise.

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.


Victory State Bank Reminds You To Protect Your Personal Information


     As many as nine million Americans’ identities are stolen each year, according to the New York City Department of Consumer affairs.

To help protect your identity, Victory State Bank suggests following these important tips from the city agency:

Be alert to suspicious offers by phone, mail, text, and email.

Avoid giving personal information over the phone, by email, text, or on social media sites. Never click on unfamiliar email links even if they are from sources you trust; they could be “phishing” scams that trick you into sharing personal information by looking trustworthy. And remember email addresses and phone numbers can be spoofed (or faked) to look like they are from someone you know.

Protect your computer, tablet, and smartphone against viruses and “malware” with security and ­firewall software.

Avoid typing your personal information when using unsecured Wi-Fi; create strong, personal passwords; and only download software and apps from trusted sources. Don’t overshare personal information on social media sites and be cautious with geotagging softwares.

Visit OnGuardOnline.gov for more information on how to be safe, secure and responsible online.

• Be careful when using public computers.

 Delete any personal documents and empty the Recycle Bin on the desktop before you log off. Check Internet settings and make sure the computer is set to delete your browsing history. Never use your credit or debit card to make online purchases on public computers.

• Review your free credit report every year.

As one way to see if you have been the victim of identity theft, download your free annual credit report at annualcreditreport.com.

• Limit the cards you carry with you.

Only carry credit or debit cards you plan to use and store others in a safe place. Never carry your Social Security card in your purse or wallet.

 

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.


Victory State Bank Points to 6 Quick Ways to Use Social Media for Branding


STATEN ISLAND, N.Y. -- Victory State Bank understands the importance of social media in branding both your company and yourself. Thriving businesses use savvy social media skills to benefit from turning “followers” into customers. Anita Campbell, guest blogger for the Small Business Administration, suggests the following to make sure you are getting the most from your social media sites:

1. Upload Consistent Avatars

If you’ve got an old logo for your Twitter icon, your new company logo for Facebook and a product image on Google +, you’re sending a mixed message to your followers and customers. Stick to a single avatar across all channels so that visitors build a mental connection from the social platform back to your site.

Use a high-quality version (large pixel size) of your company logo, unless you’re branding yourself, in which case you should use a really great smiling photograph. The reason to use a large image size is that sometimes others download your logo from social sites if they write about your company, so you want it to be as high quality as possible.

2. Use Similar Colors and Design Across Platforms

In addition to ensuring that your images are the same on all social media profiles, it’s important to deliver a similar look across the board. This, too, should tie in with what you’re doing on your business’ website.

Twitter allows you to upload a custom background to your profile. Facebook and Google + provide a large banner photo or image up top. These are valuable real estate locations, and they provide you with the opportunity to use similar color and design elements to integrate with your company logo colors and the design of your site. A visitor should be able to recognize your brand from any social page they visit.

3. Deliver Consistent Messaging

Develop a voice that speaks to what your company is all about. If you provide useful tips for your audience on Facebook in a professional tone, make sure you’re not using all caps and slang (“OMG THIS BLOG POST ROXX!”) on Twitter, as an example.

 Your social updates represent your company so it’s important, first of all, to maintain a professional voice, and second, to be consistent. Visitors should know what to expect when browsing your social profiles.

This is especially important if specific qualifies are key to the impression you want to convey: luxury, formality, trust, professionalism or other attributes. If one of those types of attributes is important to your brand, you need to convey that attribute throughout your social messaging.

4. Provide Unique Content on Each Channel

That being said, you shouldn’t duplicate content across all social channels. It’s fine to share the same blog post, as an example, but find a new way to present it for each channel.

Ideally, you want to give people a reason to follow you on all platforms. If you’re delivering the same identical update on all at exactly the same time, there’s no reason for them to do that.

Diversify your communication strategy for each. Mix up what you offer, as in this example:

  • On Twitter, share relevant links from our blog and other industry sites
  • On Facebook, share videos our audience appreciates, as well as answer questions about our products
  • On LinkedIn, actively participate in industry groups
  • On Google+, engage with other users and start a dialogue

5. Check for “Unofficial” Pages, Claim Them, and Brand Them

Check social sites to make sure there are not already pages set up that you haven’t claimed.

This can happen on review sites like Yelp. Look for instructions on how to claim your profile, such as here for Yelp.

On sites like LinkedIn, there may be a company page but no one is listed as the Administrator and therefore no one can update the page. So you have to contact LinkedIn to be able to assign administrators.

Or it may be a situation where someone has used your company name without permission, in which case you will have to contact the social network and report the unauthorized use. Facebook has a form to report impersonations of individuals or companies. 

6. Focus on 2 to 4 Social Sites

It is possible to go overboard when it comes to joining social media sites. Sure, you want to reach as many people as possible, but you’ll do better to zero in on only as many as you have time to update. Think deep, not wide.

When you focus, it is easier to develop a consistent message and brand visibility.

 

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.

 


Victory State Bank Points to the "Home Improvement" Loan Scam


STATEN ISLAND, N.Y. -- Victory State Bank would like to alert our customers to the following home improvement” loan scam warning from the Federal Trade Commission:

A contractor calls or knocks on your door and offers to install a new roof or remodel your kitchen at a price that sounds reasonable. You tell him you’re interested, but can’t afford it. He tells you it’s no problem — he can arrange financing through a lender he knows. You agree to the project, and the contractor begins work. At some point after the contractor begins, you are asked to sign a lot of papers. The papers may be blank or the lender may rush you to sign before you have time to read what you’ve been given to sign. You sign the papers. Later, you realize that the papers you signed are a home equity loan. The interest rate, points and fees seem very high. To make matters worse, the work on your home isn’t done right or hasn’t been completed, and the contractor, who may have been paid by the lender, has little interest in completing the work to your satisfaction.

You can protect yourself from inappropriate lending practices. Here’s how.

Don’t:

  • Agree to a home equity loan if you don’t have enough money to make the monthly payments.
  • Sign any document you haven’t read or any document that has blank spaces to be filled in after you sign.
  • Let anyone pressure you into signing any document.
  • Deed your property to anyone. First consult an attorney, a knowledgeable family member, or someone else you trust.
  • Agree to financing through your contractor without shopping around and comparing loan terms.

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.