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Protecting Yourself from Money Scamming

Posted by First National BankPosted on Banking 101, Money & Metrics

Money scams are nothing new. On some level, everyone who owns a phone, landline or mobile, has interacted with a money scammer at some point in their life. However, money scammers can also take the form of pre-recorded audio calls, personal emails, messages on social media sites, and many more, so no one can say that they are not at … Read More

Family Fun In The Sun

Posted by First National BankPosted on General

As communities adjust to life with the aftermath of COVID 19, this summer is unlike any summer on record. Although communities are unable to host some of the traditional summer activities with social distancing guidelines still in place, families can still have fun at home. Some activities to consider include yard games, outside crafts, yard or sidewalk decorating, and trying … Read More

Safety Practices For Your Family Farm

Posted by First National BankPosted on Agriculture

Owning and operating a farm can be hard work. One of the toughest parts is ensuring that everyone stays safe and healthy. According to NIOSH, “Agriculture ranks among the most hazardous industries. Farmers are at very high risk for fatal and nonfatal injuries; and farming is one of the few industries in which family members (who often share the work and … Read More

Saving For Your Future & Your Family

Posted by First National BankPosted on Banking 101

When you are younger, saving money for your future such as kids, purchasing a house, or retirement may seem like the last thing you need to worry about. According to new data from Nationwide, “A good 25% of millennials worry about saving enough money for their senior years. That’s a valid concern since retirees without savings risk struggling financially.” In … Read More

The Future Of Farming As A Business

Posted by First National BankPosted on Agriculture

It is believed that farming first began nearly 23,000 years ago, according to Sciencedaily.com. Farming is one of the oldest and most valued past times of the human race. Even the largest of operations carry origins stemming from small and in some cases, ancient practices. How has farming changed over the years and what is still to come? Starting Out … Read More

Improving Your Credit Score

Posted by First National BankPosted on Banking 101

Your credit score has a huge bearing on many aspects of your life. Your credit score helps financial institutions and lenders determine your creditworthiness. According to Fico.com, the FICO score was first introduced in 1981 by the Fair Isaac Company (now called FICO.) “Lenders use credit scores to evaluate the probability that an individual will repay their debts. A person’s … Read More

Updates to the SECURE Act You Should Know About

Posted by First National BankPosted on Trust & Investments

The 1.4 trillion dollar SECURE Act was signed into law effective January 1st of 2020. The SECURE Act, which stands for, “Setting Every Community Up for Retirement Enhancement,” was designed to make retirement an attainable goal for all Americans. This legislation will be the largest change to retirement plans in this country for over a decade. Whether you have a … Read More

Things To Consider When Applying For A Mortgage Loan

Posted by First National BankPosted on Home Ownership, Loans, Mortgages

Getting approved for a mortgage loan is one of the most important parts of the home buying process. Here are some things to keep in mind to help you get approved for a mortgage loan. Calculate your income  It’s a good idea to hold onto pay stubs when your looking for a home, as your mortgage lender will likely ask … Read More

I Started A Business…Now What?

Posted by First National BankPosted on Entrepreneurs & Start Ups, Operations & Processes

Congratulations! Starting your own business is no small feat! Business ownership is an exciting and rewarding endeavor with many twists and turns. Now that you have officially started your business, you may be wondering, “What do I do now?” Continue reading to learn where to continue on from here. Creating a Visual Identity Visual identity is defined as, “Visible elements … Read More

6 Different Types of Trust Accounts

Posted by First National BankPosted on Trust & Investments

Let’s talk about estate planning for a minute and how important and helpful a trust can be. Most individuals do not like to talk about what might happen when they pass away, but if you plan ahead it can create an easier process for your children or spouse. Having a will or trust in place can prevent your assets from … Read More

5 Things To Think About When Buying A New Home

Posted by First National BankPosted on Home Ownership

When buying a new home things can easily get overlooked; here are some important things to keep in mind before you decide to buy: Ask plenty of questions before buying Why is the previous owner moving? Are there a lot of repairs to be made? (Remember to get a thorough inspection done before buying) How long did the previous owner live … Read More

Personal Credit vs. Business Credit

Posted by First National BankPosted on Banking 101, Money & Metrics

Credit is something we are all familiar with. We use it to pay bills, put gas in our cars and so much more. Every person has their own credit history that follows them throughout their lives. The same could be said for businesses. Even though they aren’t people, businesses generate their own credit history and scores. Personal Credit According to … Read More