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It's not true love if they ask for money

Lots of us have profiles on online dating sites, apps or social media to find “the one.” But that interesting person who just messaged you could be a sweet-talking romance scammer trying to trick you into sending money. 

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Mortgage Rates Drop to Lowest Level in Three Months

McLean, VA, Jan. 23, 2020 -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing that the 30-year fixed-rate mortgage (FRM) averaged 3.60 percent.

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Good Credit is Paramount to a Sound Financial Future

First Security Bank & Trust and the Independent Community Bankers of America® (ICBA) are encouraging consumers to start the New Year right by establishing good credit habits and financial wellness goals to get on the path to financial prosperity.

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5 Tips to Avoid a Financial Frostbite this Holiday Season

Consumers spent more than $700 billion on holiday shopping in 2018. With this year’s holiday shopping season launching in full force, First Security is highlighting five tips to help consumers keep their holiday spending under control.

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Who Should Settle Your Estate?

Everyone’s estate must be settled, whether or not the owner leaves a valid will.

The privilege of choosing an executor is, in itself, one of the significant advantages of making your will.

In a financial sense, the executor or personal representative you name in your will to settle your estate is your successor.

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Hy-Vee, Inc. Data Breach

At First Security Bank & Trust, your financial security is our top priority.  You may have seen some recent headlines about a security breach regarding payment information at Hy-Vee, Inc. grocery stores, and we want you to know that we have NOT heard of any of our customers’ information being compromised.  We are monitoring this situation closely.

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First Security Welcomes Back Educators for 2019-2020 School Year

First Security was excited to welcome Charles City area educators back for the start of the 2019-2020 school year by serving them breakfast on Thursday, August 15th. Nearly 300 teachers and staff gathered in the middle school commons for breakfast, allowing them to catch up with one another before the start of the new school year.

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NSA Announces New Cybersecurity Directorate

The U.S. National Security Agency announced the formation of a new Cybersecurity Directorate earlier this week.

Effective October 1, the directorate’s mission will be the creation of a “major organization that unifies NSA’s foreign intelligence and cyber defense missions,” according to the agency’s website. It will be led by Anne Neuberger, the former NSA Deputy Director of Operations and Lead of the Russia Small Group.

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Don't let identity theft ruin your summer vacation fun

Summer is nearly here, bringing a bit of rest and relaxation to hundreds of millions of people around the world. Workers eagerly anticipate summer vacations: 68 percent of Americans and 64 percent of Europeans planned a summer holiday in 2018. Vacations create special memories and experiences that we all cherish.

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First Security and ICBA Offer Tips for Soon-to-Be Graduates

As college students prepare to graduate and begin their professional careers, First Security Bank and the Independent Community Bankers of America® (ICBA) want to remind them of the importance of planning for their financial future.

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Helping Students Prepare for College Life

The time has finally come — the day when your child will leave home for college. It's the culmination of all your years of sacrifice, hard work, and preparation. And while it's exciting to think about this new phase in your child's life, it's not uncommon to become emotional and worried about the prospect of your child living without you. Here are some easy ways to prepare your child (and you) for the big moment:

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Don't Fall Victim to Phone Scams

“Grandma,” the voice on the phone said.  “It’s your grandson.  I’m in trouble.”

“Charlie?”

“Yeah. It’s Charlie.”

With that simple conversation, Edith was on the path toward giving thousands of dollars in cash to a scammer. Her “grandson” told her he ran into trouble with law enforcement in another state, that he had been arrested, and that he needed money for bail.  The scammer was very convincing, and Edith went right to the bank to withdraw the funds. 

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5 Ways to Put Your Tax Refund to Work for You

The calendar has switched over to a new year, which means – among other things – tax season is here. In 2018, more than 79 million taxpayers received refunds at an average amount of $2,864. While it may be tempting to spend it all, there are many ways to put that kind of financial windfall to work for you.

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Protecting Your Mobile Device

Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals.

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10 Financial Terms Every Business Owner Should Know

It's been proven time and again; you don't have to be a business school graduate to run and manage a successful business.

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Holiday Giving

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.

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Putting the Happy into Your Holidays

Joy and peace. They are the words we see and hear a lot of during the holiday season. However, with the expense and other stresses of the season, the holidays can feel anything but joyous and peaceful for some people.

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Taking Stress Off the Thanksgiving Table

It's supposed to be the most thankful time of the year. A time to enjoy quality time with friends and family and feast on delicious treats. Yet with the amount of cooking, cleaning, and planning, those in charge of hosting the annual Thanksgiving dinner celebration can feel exhausted, inadequate, stressed ... anything but thankful.

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7 Smart Decisions That Successful Self-Employed People Make

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Freedom. It's one of the most attractive benefits of self-employment.

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Survey Shows Millennials Expect to Retire at 56. Is That Possible?

A recent survey conducted by TD Ameritrade found that millennials, on average, expect to retire at the age of 56. While the current average retirement age is 63 – and is expected to rise – this may seem like an unrealistic goal. First Security Bank & Trust recommends millennials put together a savings plan now to work toward their long-term goals.

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It's National Cyber Security Awareness Month

October is spooky enough with its ghouls and goblins. National Cybersecurity Awareness Month is here to remind us how to stay safe and secure from real (and maybe even scarier) threats – malware and scammers.

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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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