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Start Building Wealth In Your 20's

There are so many things to love about being in your 20's; you have ample time to explore new and exciting career opportunities, and to build independence. You also have valuable time to do something that will be very important when you get older — build your wealth.Add Image

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Managing Lifetime (Retirement) Income

Some people retire on income from an employer-sponsored defined benefit pension plan. Employers that sponsor defined benefit pension plans are responsible for contributing enough to fund promised benefits.

U.S. Department of Labor data show a trend away from defined benefit plans and toward defined contribution plans, though. A key difference is that the employer bears the investment risks of a defined benefit plan. In defined contribution plans, employees bear the investment risks, and there is no guarantee that your defined contribution account balance will be adequate for your retirement. 

 

 

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Make Back-to-School Shopping a Financial Lesson

There’s never a bad time to teach children financial responsibility, but it may be difficult to find unique ways to help them relate it to the real world. Did you know that you can use back-to-school shopping as a way to give children an interactive financial lesson?

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Video Bankers' Banking Outside the Box Initiative Benefits Local Fire Departments

When First Security first introduced Video Banking to customers, many wondered just where the Video Bankers were located. One Video Banker always joked that they were “inside the box” or working directly behind the screen. In reality, the Video Bankers work from Charles City where they remotely interact with customers and assist with their banking needs.

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Common Misconceptions about Video Banking

Since Video Banking’s inception at First Security, there have been many misconceptions about the new technology. Customers didn’t know that it was more than an ATM or that the Video Bankers were local people working inside the same building as all the other bankers and tellers in Charles City.

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Video Banking Celebrates 3 Years

Earlier this month, the Video Bankers celebrated 3 years since Video Banking technology was introduced to customers at First Security.

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Summer Events are Underway!

We’ve had a great kick off to summer events this season! First Security employees have been busy volunteering at many events and parades. A few of the events we have participated in just in the last couple weeks are Party in the Park in Charles City, Gran Festival in Hampton, Tuesday on the Town in Hampton, Floyd Fun Days, and Greene River Days.

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6 Items for Your New Home's To-Do List

Now that you’re settling in to your new home, there are some important things you need to consider. The American Bankers Association recommends the following tips.

 

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Remembering the 1968 Tornado

Young people and those living outside of Charles City may not realize that May 15th marks an important anniversary for the Charles City community. 50 years ago, “at 4:50 PM nature shed its robes of spring glory and lashed out at picturesque Charles City with one of its most heinous brainstorms – a devastating tornado apparently unparalleled in Iowa history.

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Don't Fall Victim to the Grandparent Scam

In 2016, the Federal Trade Commission received more than 400,000 complaints from consumers reporting that they’d been exposed to impersonation scams. The “grandparent scam” is one type that deliberately targets older Americans.

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First Security Continues 'Teach Children to Save' Campaign

First Security Bank & Trust partnered with Central Springs Elementary School to continue the Teach Children to Save Campaign with savings education on May 3. More than 100 Central Springs 4th and 5th grade students explored the importance of understanding the difference betweeeeds and wants and how to budget in a lesson presented by First Security employee, Tiara Grady, Retail Banking Supervisor in Nora Springs.

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4 Questions to Identify Your Retirement Needs and Goals

Are you thinking of downsizing and relocating in retirement?

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Top 5 Personal Finance Questions

Do you keep a budget or track personal spending? Do you have professional help in managing your finances? These are some of the top things to consider in your personal financial planning. Read on to learn the top 5 personal finance questions you should ask.

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First Security Hosts Community Development Forum

First Security Bank & Trust hosted their 5th Annual Community Development Forum on March 29, 2018 at the Muse Norris Center at North Iowa Area Community College.

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Banking Outside the Box - Amy's Food Pantry

After a recent visit to Amy’s Food Pantry in Rockford, our Video Bankers wrapped up their February Banking Outside the Box initiative. Employees at each of First Security’s 13 offices worked together to collect non-perishable food items. With the help of customers, who dropped items in our collection bins in each office, we donated over 700 items (which amounted to more than 2,000 servings of food) to Amy’s Food Pantry in Rockford.

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"Free" Trial Offers

"Free" Trial Offers? 
(Federal Trade Commission Consumer Information)

A chance to try something out for free? What have you got to lose?

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7 Worthwhile Ways to Use Your Tax Refund

According to the Internal Revenue Service, more than 70 percent of the nation’s taxpayers received a tax refund averaging nearly $3,000 in 2017 and will get a similar amount this year.

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Tax Scammers Might Target You: Here's What to Do

It’s that time of year — tax time. It’s also a great time to get up to speed on tax-related scams. Here are two ways tax scammers might target you and what you can do about it:


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Banking Outside the Box - Holiday Cheer

From mid-December until Christmas, our Video Bankers, Jessica Hartwell, Sara Titus, and Kendra Thomas, spent three days delivering poinsettias with their coworkers at our Nora Springs, Riceville, Manly, and Charles City locations. They were able to visit local businesses, care centers, and individuals that give back to their communities with gifts of poinsettias to spread joy and appreciation this holiday season.

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Banking Outside the Box - The Spirit of West Fork

December has been a busy month full of shopping, gift giving, and fun for our Video Bankers’ Banking Outside the Box initiative!

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Holiday Giving: How to Become a Savvy Charitable Giver

For many people, it is important to take time during the holiday season to give to those who are in need. Donating to your favorite cause can be fulfilling, but it’s important to ensure that your gift reaches the intended source. Follow these tips to become a savvy charitable giver this holiday season:

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December is Safe Toys & Gift Month

It's the most wonderful time of the year ... to buy toys and gifts for children. Here are some very basic tips to consider before and after purchasing a new toy, to be sure you are making safe choices for the children in your life:

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Banking Outside the Box - Billi at PAWS

Introducing Billi and Zion! Billi Kraft, Video Banking Supervisor, has been a part of video banking since the beginning in June of 2015. For November, First Security has decided to partner with PAWS Humane Society in Charles City to help spread awareness of animals available for adoption, all in efforts to find fur-ever homes before the holidays. 

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Banking Outside the Box - Sara at PAWS

Introducing Sara and Magic! Sara Titus has been a part of our Video Banking team for almost a year. Immediately when arriving at PAWS, Sara fell in love with the young kittens and the idea of fostering animals. For November, First Security has decided to partner with PAWS Humane Society in Charles City to help spread awareness of animals available for adoption, all in efforts to find fur-ever homes before the holidays. 

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12 Identity Protection Tips for the Holidays

As consumers step up their online shopping leading up to the holidays, it’s a prime time of the year for identity theft. While you are busy snagging hot deals on Black Friday and Cyber Monday, thieves are phishing for your information.

 

 

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Banking Outside the Box - Sydney at PAWS

Introducing Sydney and Simba! Sydney Keifer joined our Video Banking team in early May to work the evening shifts. She was anxious to begin our Banking Outside the Box volunteer activities. She was by far most excited to get to spend her day with kittens! For November, First Security has decided to partner with PAWS Humane Society in Charles City to help spread awareness of animals available for adoption, all in efforts to find fur-ever homes before the holidays. 

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Banking Outside the Box - Kendra at PAWS

Introducing Kendra and Buddy! Kendra Thomas joined our Video Banking team in early September and was immediately excited to begin our adventure, “Banking Outside the Box”. For November, First Security has decided to partner with PAWS Humane Society in Charles City to help spread awareness of animals available for adoption, all in efforts to find fur-ever homes before the holidays. 

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Banking Outside the Box

Today is the kick off for Banking Outside the Box, a campaign meant to highlight our Video Bankers and their involvement in the communities they serve.

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8 Tips to Protect Your Identity

Identity theft continues to be one of the fastest growing crimes in the United States. In 2016, there were 15.4 million victims of identity fraud in the U.S., according to Javelin Strategy and Research. First Security recommends following these tips to keep your information – and your money – safe.

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Kurt Herbrechtsmeyer named chair of the Iowa Bankers Association

Kurt Herbrechtsmeyer, president and CEO of First Security Bank & Trust in Charles City, has been elected chair of the Iowa Bankers Association (IBA) for 2017-2018. Herbrechtsmeyer began his term as chair during the IBA Annual Convention, September 17-19 in Des Moines.

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