Betty Kittell, NMLS #501059

Dairy School–Who Would Have Thought?

Posted on November 15, 2012. Filed under: Betty Kittell, NMLS #501059 |

I recently attended the Alltech Wisconsin Dairy School 2012 at the Atrium at Lambeau Field. Alltech is a leader in the animal health and nutrition industry. The day consisted of several knowledgeable speakers who excel in the nutritional phase of animal nutrients.  WOW! To my surprise, having a business in the dairy farming industry isn’t just about “Feed the Cows, Milk the Cows, Repeat”!

I have been employed at Denmark State Bank for the past 12 years. Our bank has specialized in servicing our local community farmers with Agri-Business loans for the past 102 years.  It was an eye-opening experience to realize that our customers must have such a high level of knowledge and ability to make their business profitable.

Next time I take a drink of milk, have a yogurt, enjoy ice cream or just see one of our talented, hard working, and knowledgeable Ag customers come through our doors at Denmark State Bank, I’ll be saying “Thank You”. I certainly am amazed at the talents our local farmers need to have to keep their businesses alive and profitable.

I will no longer think that dairy farming is “Feed the Cows, Milk the Cows, Repeat”!

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Are you financially healthy?

Posted on March 16, 2012. Filed under: Betty Kittell, NMLS #501059 |

It’s hard to believe but we are already three months into the New Year!  Most people have started their New Year’s resolution to get physically healthy, but have you thought of getting “financially healthy”?

This is similar to the goals which we receive from our employers at the beginning of each year. You sit down with them, discuss the past year and set goals for the upcoming year.  Having a personal financial goal works the same way. Looking at your debts and getting familiar with your financial position is an important task. Becoming aware of your debt to income ratio, setting a monthly budget, reducing your debt and saving for the future are necessary steps for financial health.

Calculating your debt to income ratio can be done by adding up all of your monthly expenses such as your mortgage payment (including principal, interest, taxes and insurance) and home equity loan payments, car loans, student loans, your minimum monthly payments on any credit card debt and any other loans that you might have.   Take this amount and divide it into your monthly income.  The debt to income ratio should not exceed 25-30%.

Denmark State Bank has many tools to help you.  Debt consolidation loans, on-line banking and Bill Pay are just a few.  You can also visit any one of our six banking locations to personally talk to us to “get financially healthy” in 2012.

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The Power of Networking

Posted on May 19, 2011. Filed under: Betty Kittell, NMLS #501059 |

Business Networking involves meeting new people, developing relationships, gaining trust.  These new ‘contacts’ will then become customers, referrals sources, and friends.

That is what Networking  is all about.

But I ask myself:

            What’s old and outdated?

            What’s new and upcoming?

            Hand written note or e-mail?

I’ve been attending functions to represent Denmark State Bank and though it takes many “touches”, I feel I’m finally earning the respect from other attendees. It is still a challenge to meet new contacts. Sweating, stumbling on my words, talking to just my partner I came with.

Networking gives me the opportunity to share the great information about Denmark State Bank.  That we are a small community bank having six locations throughout Northeast Wisconsin.  That we’ve been around for 102 years and have paid out 56 consecutive dividends.  That I truly believe in the culture that Denmark State Bank emits. 

The power of networking is incredible but it does require you to talk freely and honestly with many people. Going on social networking sites like LinkedIn, Facebook and posting this blog, is all very beneficial.

Finally, don’t forget to thank the people you meet and helped you to promote your business.  A handwritten note or a short e-mail is all it takes.

Networking……it’s powerful stuff!

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