Victory State Bank offers Self-Help Tips for Dealing with Debt


STATEN ISLAND, N.Y. -- If you are dealing with personal debt, you are not alone. At different stages of life, you may find yourself in a rough patch financially; be it crisis, health issues, or overspending. Victory State Bank would like to offer self-help solutions to help you back on your feet, as suggested by the Federal Trade Commission (FTC):

1.Develop a budget. Take a look at your monthly income and your monthly expenditures, rank them in order of necessity- take a hard look at where your money is going. There are many resources available for free, both online and at your local library, to help with budget making.

2.Be honest. Contact your creditors as soon as you realize you are falling behind. Work out a more manageable payment schedule before your debt is turned over to a collection agency.

 

3.Know your rights. Debt collectors must follow federal laws when contacting you. You should never be contacted before 8am, after 9pm, or while at work if your employer does not approve. You may not be harassed or lied to.

4.Manage your loans.call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you.

 

Self-help may not be the best approach for all situations. Before using a debt-relief service, it is recommended that you check with both your State Attorney General and local consumer protection agency to ensure you are working with a trusted and reputable service. 

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 Offers Advice for Keeping Your Email Hack-Free



STATEN ISLAND, N.Y. -- You find your phone flooded with text messages from friends complaining about spam email messages they have received from you. Your social media platforms seem to have taken on a mind of their own, filled with content that you did not post. You have been “hacked.”

Victory State Bank recommends the following steps to help avoid putting your digital self at risk:

1. Use unique passwords for important accounts, such as bank information and email.

2. Safeguard your usernames and passwords; use common sense and trust your instincts as to who you share your information with.

3. Turn on two-factor authentication if your service provider offers it.

4. Use caution when clicking on links and attachments in emails; know your sender.

5. Only download free content and software from trusted Websites.

6. Remember, public computers are not private!

If you have already been hacked, there are steps you can take to reclaim your privacy and ensure that it does not happen again. Delete any malware and update your systems, change all of your passwords, contact your service providers for helpful information, and tell your friends to be aware of any corrupted messages.

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 10 Steps Of Starting A Business


STATEN ISLAND, N.Y. -Running a business isn’t easy. But starting one up may seem even more complex.

Complex? Yes. Confusing? Not necessarily.

To put aspiring entrepreneurs on the right track, Victory State Bank is sharing the following 10 tips from the U.S. Small Business Administration for launching a business:

1) Create a business plan

2) Get Business Assistance and Training

3) Choose a Business Location (Get advice on how to select a customer-friendly location and comply with zoning laws.)

4) Finance Your Business

5) Determine the Legal Structure of Your Business

6) Register a Business Name ("Doing Business As")

7) Get a Tax Identification Number

8)  Register for State and Local Taxes

9) Obtain Business Licenses and Permits

10) Understand Employer Responsibilities

For detailed information on each of the 10 steps, log onto http://www.sba.gov/content/follow-these-steps-starting-business.

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 Offers Tips to Protect Yourself While Searching for the Perfect Job


STATEN ISLAND, N.Y. -- Job-hunting can be an overwhelming affair. Job placement firms are a wise choice for many people searching for employment; however, there are both legitimate firms and firms that are looking to scam you. Victory State Bank would like to offer information to help protect you in your job search. The Federal Trade Commission suggests these tips to protect yourself from being scammed:

  • Be suspicious of any employment-service firm that promises to get you a job.
  • Be skeptical of any employment-service firm that charges up-front fees, even if it guarantees refunds to dissatisfied customers.
  • Don't give out your credit card or bank account information on the phone unless you're familiar with the company and agree to pay for something. Anyone who has your account information can use it to commit financial fraud against you.
  • Get a copy of the firm's contract and review it carefully before you pay any money. Understand the terms and conditions of the firm's refund policy. Make sure you understand what services will be provided by the firm and what you'll be responsible for. If oral promises are made that don't also appear in the contract, think twice about doing business with the firm.
  • Take your time reviewing the contract. Don't be rushed into paying for services. Avoid high-pressure sales pitches that require you to pay now or risk losing out on the opportunity.
  • Be cautious about purchasing from a firm that's reluctant to answer your questions or gives you evasive answers.
  • Be aware that some listing services and "consultants" may place ads that seem to offer jobs when, in fact, they're selling employment information.
  • Follow up with the offices of any company or organization listed in an ad by an employment service, to find out if the company's really hiring.
  • Be wary of firms promoting "previously undisclosed" federal government jobs. All federal positions are announced to the public.
  • Check with your local consumer protection agency, state Attorney General's Office, and the Better Business Bureau to see if any complaints have been filed about a company with which you intend to do business.

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, “Have you Been Crammed?”


STATEN ISLAND, N.Y. – Have you been crammed? Victory State Bank recommends checking your wireless phone bill for crammed charged. “Cramming,” is when outside companies add charges to your phone bill. You might see Min. Use Fee, Activation, Member Fee, Voice Mail, or Web Hosting on your bill; these are all red flags that you have been crammed. The federal Trade Commission offers these tips to help:

  1. 1.Ask your phone company about it

If the charge isn’t from your phone company, the name of the company charging you should be printed nearby. Your phone company should be able to tell you more about the charge.

  1. 2.Dispute it

Your statement should tell you how to dispute errors on your bill.

  1. 3.Follow-up with an email or letter sent by certified mail, and ask for a return receipt

It’s your proof that the company received your letter. Keep a copy of your bill and any other documentation for your files.

  1. 4.File a complaint

Even if you get a refund, if you suspect you’ve been a victim of cramming, file a complaint with the FTC, your state Attorney General’s office, or the state agency that regulates phone service in your state — often the state public service commission or public utilities commission, which you can look up on the National Association of Regulatory Utility Commissioners website.

  1. 5.Consider whether a block is right for you

A number of phone companies offer to block third-party charges. Visit your phone company’s website for details about what kind of blocking it offers. If your phone company blocks all third party charges, you won’t be able to sign up for legitimate third party services that interest you. Give some thought to whether a block is right for you, and if it is, contact your phone company and ask for it.


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