Thank you for sharing your time with us by taking a look in The VAULT.  Most of our readers are small business owners who carefully consider advertising budgets. The global and national brands (you know, the guys with enormous budgets) set a baseline of expectation among consumers. Not only do those advertising campaigns drive business to the Ďbig guysí, they can create demand for your business. Keep and eye on industry R & D (where you can) and watch out for new advertising that may impact expectations of what you can deliver.

                ďThe future ainít what it used to be.Ē     Yogi Berra
Please feel free to email us your thoughts, requests, and suggestions.

Virtual Cash in My Virtual Wallet
by Daniel A. Northway - EVP, Chief Financial Officer, Scott Valley Bank
About a year ago, I wrote an article for this publication about the Next Big Thing in mobile payments: the "virtual wallet".  Today, I can report that virtual wallets are still coming, still being developed and improved, and still Ė albeit ever so slowly Ė being adopted by the public.
by Mary Scala, VP/Human Resources Manager, Scott Valley Bank
Why would any company enable substandard performance? It is human nature just to let some things go; no one likes confrontation. On the surface, it often seems easier just to do the task yourself. However, if you donít train your employees and hold them accountable for their performance, youíll not only deprive them of the opportunity to learn and grow, youíll constantly be doing or re-doing their work and wonít have time to take care of your own responsibilities.
Top Four Things Employers Should Know About Employment Practices Liability Insurance (EPLI)
by Jill Shorten, CIC, AAI, CRM, Leavitt Group - Professional Liability Practice Leader, Business Insurance
Itís true . . . every employer is at risk.  An employer can do everything right and still be hit with an employment-related lawsuit.  Employment Practices Liability Insurance (EPLI) is critical to protecting employers from unforeseen defense expensesówhich can add up fast and have a significantly negative effect on the employerís bottom line.

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We are pleased to present articles from respected guest authors in this newsletter. This newsletter contains links to non-bank sites.  These links are offered only as a pointer to information that may be of interest to our readers and do not imply endorsement or responsibility for the ideas, opinions, information, products or services offered. Linked third-party websites may have privacy policies that differ from the privacy policy of Scott Valley Bank.