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Don’t Forget to Do These Things When You Hire a Tax Professional

Your taxes have finally gotten to the point where you need to hire someone. You need to find a tax professional in Asheville NC. The first thing you need to do is get recommendations from your friends and family. The chances are that you know someone who has their taxes done.

Once you have a list of people to check out, make sure you do your research. This is to important to not look into the person and firm that will handle your taxes.

Do not take their word for their credentials and background. Some unscrupulous accountants will daft their clients’ tax returns to get illegal refunds. The client does not know they are doing that but will suffer the consequences if the Internal Revenue Service learns about it. Avoid these “professionals” by checking their criminal history.

Ask the accountant how long they have been doing tax returns for people. What training did they get? Do they belong to any professional associations? Why do their clients think about the service they receive?

Lastly, you should decide how you feel about the person. Do you like them? Do you feel comfortable with them? If your gut says no, so should you.

Features You Should Be Offered For Personal Banking

If you’re a valued customer at your bank, you should be offered a certain set of personal banking options to make your overall banking experience a positive one.

Overdraft Courtesy

It can happen to the best of us – perhaps you forgot about the extra automatic payment being withdrawn from your account, when you don’t have enough in there to cover it. With an overdraft protection, you won’t get dinged for going over your balance – even though you are still responsible for bringing the account balance back up to positive numbers.

Online Banking

This is a must for today’s technologically-advanced world. You should be able to have the advantage to do your banking via the internet from your home or wherever you have access to a computer. This includes being able to pay bills, transfer funds, order checks, or just check on your account balances. Online banking should definitely be a part of all your personal banking needs.

Mobile banking

With more and more people relying on their smartphones and tablets, it’s important that your bank also has a mobile-friendly site so that you can do your baking on the fly from wherever you are directly from your phone or other mobile device.

At Marion State Bank, we offer all our clients all these features and more with their personal banking. Find out what we can offer you by visiting

What is the Difference Between a Credit Union and a Bank?

When it comes to your money, you want to make the best decisions possible. One of the most important decisions you can make regarding your money is the type of institution you use to handle your financial matters. A bank is probably the first institution you think of when it comes to handling your money; however, there is another option that may work for you – a member-owned federal credit union.

What is the difference between a bank and a credit union? Here’s a look:

  • Credit unions are not-for-profit organizations that are run by their members, whereas banks are corporate institutions that make profits.
  • Both credit unions and banks accept deposits, offer loans, offer a variety of account options; however, the interest rates that credit unions are often higher than the interest rates offered by banks.
  • Both credit unions and banks are insured, but credit unions are insured by the National Share Insurance Fund (NCUA) whereas banks are insured by the FDIC. The NCUA is a government agency that is backed by the United States Government.

So, which is the right option for you; a bank or a credit union? Talk to a representative of both to find out.

Buying a New Car? Here Are Some Helpful Tips

There are several things that you just need in life; a place to live, clothing, food and a mode of transportation. A car is one of the most convenient transportation options. If you’re on the market for a new car, here are some helpful hints to make your experience as smooth as possible.

Start by researching. Before you even head to a dealership, you are going to want to do some research. Doing research before you go shopping will allow you to get a good idea of what you want. Sedans, SUVs, crossovers and every other type of car has something different to offer.

Set your budget. In addition to researching, you are also going to want to set a budget, and make sure it is a realistic one. Don’t forget that you need to take more than just the price tag of the vehicle into consideration; you also have to consider the gas, the maintenance and the cost of insurance.

Get Financing. Auto loan experts will be able to provide you with the financing that you need to purchase your new vehicle. Take the frustration out of purchasing a new car by having your financing set up before you start shopping.