Kristine Batch | Source | Senior Vice President, Senior Regional Delivery Manager at UMB Bank
Kristine Batch
Kristine Batch is senior vice president, senior regional delivery manager at UMB Bank. She manages the branches in part of the Kansas City metro by working with the branches on day-to-day customer needs and sales goals.
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UMB Bank
Senior Vice President, Senior Regional Delivery Manager
started Aug 2016
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One action your future self will thank you for: Annual financial reviews | AZ Big Media
When we ask a client if they’ve performed a financial review recently, we’re often met with a blank stare or an answer along the lines of, “Sure, we review our budget every month.” The truth is a financial review is very different than reviewing your budget monthly. Performing a financial review is an intentional, comprehensive effort that will help you understand your current financial state and develop insight into any changes or adjustments you may!
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Debt Management: Expert Tips for Quick Interest Rate Reduction
Kristine suggests seeking debt settlement and consolidation to lower interest rates. Simplify payments by merging debts into one with potentially lower rates. To generate extra funds, cut unnecessary expenses and explore side hustles. If falling behind on payments, Kristine advises considering debt relief services. "Your bank likely has financial advisors" to help create a strategic plan. -
Empowering Women: Overcoming Financial Barriers for Lasting Wealth
Kristine highlights barriers like lack of budget insight and overwhelming wealth strategies. She advises women to educate themselves, set clear goals, and seek trustworthy financial professionals. Kristine emphasizes, “The most powerful wealth-building tool you can yield is to find financial strategies that help you stick to your long-term plan.” -
HELOCs: A Strategic Tool Against Inflation
Kristine notes, “A HELOC can leverage rising property values,” offering lower rates than credit cards. However, variable rates pose budgeting challenges, and default risks home loss. A HELOC suits those with high credit scores and stable finances. Consulting financial advisors ensures strategic use, especially for home improvements, while comparing lender terms is crucial.
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Tracking down and recording all of your income, holdings and recurring debt is the foundation of a financial review. Start by taking note of income – be sure to include your salary, any second jobs, annuities and other sources of money coming in.
