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Our Two Cents

Mail delays due to COVID-19

We recently were notified that there may be mail delays again due to the COVID-19 pandemic. As a result, your paper statement(s), check orders, and/or new debit card may come a few days later than normal. Below are a few ways you can take care of your banking during the mail delays.

Home buying for the self-employed borrower

Getting pre-qualified can be a bit more challenging for a self-employed borrower. I would estimate that about a third of my customers earn income from being self-employed. If you are receiving income from another source such as a partnership, real estate, S-corporation, LLC, etc., you are considered self-employed when qualifying for a mortgage.

Retirement planning is more than just numbers

Common Cents on the Prairie™

Retirement can be exciting — or scary, depending on your circumstances. For those who plan well, account for their anticipated needs, and have a good idea of what to expect, retirement can and should be rewarding!

Looking back and ahead, The First National Bank embraces next generation and family business best practices

By: Prairie Family Business Association A bank doesn’t reach 136 years old without learning to evolve, transition, and plan for the future. So it’s probably not surprising that the Baker family of The First National Bank in Sioux Falls became early members of the state’s first and only association dedicated specifically to supporting family businesses.

Watch out for student loan deferment and forgiveness scams

The COVID-19 pandemic has disrupted the lives of so many people. Economic relief came in many different forms to financially assist those who were struggling. Since March 13, 2020, payments on federal student loans have been deferred. In other words, borrowers have not had to make payments on their federal student loans and they have not been accruing interest.

2021 year in review

We all know the story of 2021. A new president took office. The pandemic persevered into its second year. Vaccines offered some hope. The delta and omicron variants caused setbacks. Betty White left us on the last day of the year.

How you can listen to our podcast

One of the biggest misconceptions when it comes to investing and financial planning is that you have to have hundreds of thousands or even millions of dollars to do it. That’s simply not true. That’s why we started our podcast, Common Cents on the Prairie™: to help people do more with their money, regardless of financial situation.

Budgeting 102: How to make it stick

So, it’s a new year and one of your resolutions is to budget better. You’ve read our blog “Budgeting 101: Finding the right budget for you,” and you’ve decided which type of budget to implement. Now, you need to make yourself stick to it.

Instant issue is here

Great news: you can now come into any of our branches and walk out with a debit card on the same day! If you open a new account or experience fraud on your current account, our instant issue program allows you to get a same-day, temporary card to use for debit purchases until your permanent card arrives in the mail.

We do better when you do better

The business of financial advice is changing at a dizzying pace. These changes — many of which are long overdue — are being driven by advances in technology, shifting regulatory frameworks, and evolving consumer preferences. With these changes have come added complexities and questions regarding the incentives of financial professionals.

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