Isn’t That Rich with MyFSB

In this episode, we clarify the complexities of home insurance with a simple and engaging approach: the ABC's of Home Insurance Coverage. Tune in as we break down what each letter stands for and the specific protections they offer. Discover how "A" covers your dwelling, ensuring your home itself is safeguarded. Learn why "B" is essential for everything attached to your property, from barns to carp...

In this episode, we explore the powerful impact of financial literacy on businesses and their employees. Join us as we discuss how offering a financial wellness benefit can boost productivity, reduce stress, and enhance overall workplace satisfaction. We dive into the initiatives led by Farmers State Bank, which provides financial literacy classes tailored for businesses and their employees. Hear...

In this episode, we dive deep into the world of agriculture with Michelle Sirles, the 5th generation farmer, Vice President, and owner of Rendleman Orchards. Discover how Michelle, with her unique background in graphic design and marketing, has transformed her family's 150-year-old farm into a modern-day destination. Learn about the innovative strategies she's implemented to keep the orchard relev...

Today we’re exploring the world of personal finance apps. With so many options available, it can be challenging to choose the right one. In this episode, we’ll break down the key features to look for, compare popular apps, and provide tips on how to select the best app for your financial needs.1. YNAB (You Need a Budget)Cost: $14.99/month or $98.99/yearPros:Emphasizes proactive budgetingGoal-setti...

Today we’re debating a topic that affects all of us: the benefits and drawbacks of cashversus card payments. Whether you’re a fan of the traditional paper cash or prefer theconvenience of plastic, this episode will help you understand the pros and cons of eachpayment method and when it might be best to use one over the other.

Today, we're shining a spotlight on an organization that's not just changing lives but reshaping entire communities in Southern Illinois. Arrowleaf, a beacon of hope in the fight against homelessness, stands tall as a testament to the power of compassion and community action. For years, they've been tirelessly dedicated to providing shelter, support, and opportunities for those facing the harsh re...

In this insightful episode, we open up about the financial mistakes we've made in the past so you don't have to. From budgeting mistakes and investment missteps to impulse purchases and overlooked savings opportunities, we share our personal experiences and the lessons we've learned along the way. Join us as we discuss how to avoid common financial pitfalls and take proactive steps towards a healt...

In this episode, we sit down with Lexi Cavins to discuss her experience going through our six-week mentorship program at Farmers State Bank. Through this initiative, Lexi had the opportunity to rotate through all our departments, from customer service, loan operations, marketing, and more. This program represents Farmers State Bank's commitment to investing in our employees' growth and development...

In this episode, we discuss the world of commercial lending with Community Bank President, Mike Hopkins, an expert in the field. From navigating loan applications to understanding risk assessment and interest rates, Mike shares valuable insights.   We explore the range of commercial loan products available at Farmers Bank and discuss essential aspects like financial documentation, collateral requi...

Losing a loved one is never easy, and the burden of managing their affairs can feel overwhelming. Imagine a tool that streamlines this process, sparing you from endless hours of searching for crucial information amidst the emotional turmoil. Enter the Nokbox—a revolutionary system designed to seamlessly organize everything from financial accounts to cherished memories. More than just an estate pla...

In this episode, we're diving into a topic that's often overlooked in banking: what happens when someone can't repay their loan. Yeah, we know, not exactly dinner table conversation material, but stick with us! We're here to talk about what happens when life throws you a curveball and those loan payments become a struggle. Joining us is Tom Jones, President of Farmers State Bank of Alto Pass, and...

f you know anything about us in the marketing department, we are absolutely obsessed with staying up to date on all the tips and tools this world has to offer when it comes to marketing. On this episode, we are sharing 10 groundbreaking marketing tools that have transformed our strategies from good to extraordinary. Whether you're a seasoned marketer or just starting out, this episode promises to...

Running a business comes with its challenges, especially when it comes to getting paid. Perhaps you've struggled with a disjointed invoicing system, making it hard to track your projects' progress, or maybe you don’t have one at all! We understand that getting paid promptly is vital for your business's health. That's why, at Farmers State Bank, we're thrilled to introduce Autobooks—an innovative i...

We had the privilege of hosting Pastor Jason McKinnies at the Legacy Sessions as he passionately explored the profound concept of leaving a lasting legacy and the importance of knowing where you're headed when your journey on this earth comes to an end. Jason's poignant message reminds us that life is like a vapor, fleeting and ephemeral, but it is within our power to make it meaningful and impact...

In this thought-provoking video, we were honored to host John Forbes as a distinguished speaker at our Legacy Sessions event, where he delved deep into the intriguing topic of "What is your net worth, really?" John's presentation transcended the conventional notion of wealth, going beyond the financial aspect to explore the profound concept of holistic prosperity. With his engaging and insightful...

Evan Taylor, a distinguished attorney with a wealth of expertise in estate planning, delivered a captivating and informative session at our recent Legacy Sessions seminar. His approachable demeanor and remarkable ability to simplify complex legal concepts made his presentation a highlight of the event. During his presentation, Evan delved into the intricacies of crafting personalized estate plans...

We had the privilege of hosting Adam Lawler, a distinguished attorney, at our Legacy Sessions event, where he shared invaluable insights into the crucial realm of succession planning for businesses. Adam effortlessly simplified the often-intricate world of business succession planning, ensuring that our audience left with a clear understanding of the subject. Throughout his talk, Adam not only del...

So many FSB credit card options, so little time. How do you know which one fits your lifestyle and spending behaviors? In this podcast episode, we sit down with our customer service representative, Taylor Shanks, to discuss the range of credit cards offered by Farmers State Bank. Taylor provides practical insights and tips on choosing the correct credit card for your specific needs. This episode s...

As spring break approaches there are a few things on everyone’s mind: sunshine, sand, and palm trees! But before you pack your bags, lower your seat backs, and tray tables, there’s something all travelers should consider in protecting your finances.   In this episode we’ve invited our President of Retail Banking and travel enthusiast, Christine Hankins, to explore the often-overlooked aspects of f...

One topic that is constantly in conversation at the bank is the mortgage market. On this episode, Chief Mortgage Officer, John Streuter, breaks down his 2024 predictions, offering a practical look at interest rates, mortgages, and the housing market. The essential roles of the FED, stock market, and bond market are discussed heavily as well to give a deeper insight into “why things are the way the...

We’re picking up where we left off with our own Ashley McVicker in her home building process. In part two we talked all about securing a construction loan. In this episode, we find out what comes next. From coordinating with contractors to staying on budget, she unveils what has (and what hasn’t) gone according to her plans. Will she be ready to move in by Spring 2024? Find out as she tells all in...

I don’t know about you, but lately we’ve found ourselves afraid of checking the mail. Every time we do there’s another notice waiting to inform us that our payment will be increasing by “x” amount next year, and not just on our Netflix account. From our property taxes to our insurance premiums, it seems inflation has a hold on us, so much so it’s forced us to do a little digging into what the heck...

Considering buying a home this spring? Then today’s episode is meant for you. If you’re curious about the current real estate trends, the surprising shifts in the market, or are wondering if now is the right time to invest, you’ll want to tune in for this discussion.   To give us expert insight into today’s real estate landscape, we have the pleasure of hosting Tammy Kissing from All-in-One Real E...

In today's episode, we tackle 10 widespread misconceptions about money. From the belief that budgeting is only for those facing financial troubles to the myth that a higher salary guarantees financial success, we debunk these ideas to help you make more informed financial decisions. Join us as we unravel these common money myths, providing clarity and insights to empower your journey towards finan...

In today's episode, we're diving deep into the latest changes in business tax laws for the year 2024. Buckle up as we unravel the intricacies of the updated tax regulations that could significantly impact your business. From key deductions to new credits, we'll break down the essential information you need to navigate the evolving landscape of taxation. Join us on this informative journey, where w...