Isn’t That Rich with MyFSB

Adapting to Thrive: Michelle Sirles’ Innovative Approach at Rendleman Orchards | Episode 73

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 relevant and thriving in today's challenging agricultural climate. From interactive photo ops and endless flower fields to expanding their retail footprint nationwide, Michelle's creative vision is reshaping the farming experience. Tune in to hear how she's not only preserving her family's legacy but also ensuring that Rendleman Orchards remains a beloved Midwest destination for generations to come. If you're curious about the future of farming and the power of adaptability, this is an episode you won't want to miss.

Choosing the Best Personal Finance App | Episode 72

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-setting and progress trackingExcellent customer support and educational resourcesBank synchronizationCons:Steep learning curve for beginnersRelatively expensiveNo investment tracking2. EveryDollarCost: Free, EveryDollar Plus: $12.99/month or $79.99/yearPros:Zero-based budgeting methodEasy-to-use interfaceSyncs across devicesIntegration with Ramsey+ for additional financial tools and resourcesCons:Bank synchronization only in paid versionLimited investment trackingCan be expensive for full features3. Personal CapitalCost: Free (basic features), Wealth Management services have a fee based on assets under managementPros:Strong investment tracking and analysisComprehensive view of financial accountsRetirement planning toolsFree financial toolsCons:Focus on wealth management clients can be off-putting for budget-focused usersCan be complex for simple budgeting needsPersistent upselling of advisory services4. PocketGuardCost: Free, PocketGuard Plus: $4.99/month, $34.99/year, or $79.99/lifetimePros:Simple, easy-to-use interfaceAutomatically categorizes expenses"In My Pocket" feature shows available funds after bills and savingsFinancial goal trackingCons:Limited customization of budget categoriesFree version has limited featuresNo investment tracking5. GoodbudgetCost: Free (basic), Plus: $8/month or $70/yearPros:Envelope budgeting systemSimple and straightforwardSyncs across multiple devicesDebt tracking and managementCons:Manual entry of transactionsLimited features in free versionNo bank synchronization6. Simplifi by QuickenCost: $5.99/month or $47.99/yearPros:Real-time updates on spending and budgetingPersonalized insights and spending planEasy to set up and useTracks subscriptions and recurring expensesCons:Subscription-based model can add upLimited free trial periodNo investment tracking7. Tiller MoneyCost: $79/yearPros:Automatically updates Google Sheets or Excel with bank dataHighly customizableDaily email summaries of financial activitiesStrong community and supportCons:Requires familiarity with spreadsheetsNo mobile appLimited to Google Sheets and Excel usersThese apps offer various features and cater to different budgeting styles, so selecting the right one depends on your personal financial goals and preferences.

The Cash vs Card Debate | Episode 71

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.

Unmasking Homelessness with Arrowleaf | Episode 70

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 realities of homelessness.At the helm of this remarkable organization is Sherrie Crabb, a visionary leader with a heart for service and a passion for making a difference. With her guidance and dedication, Arrowleaf has grown from humble beginnings to a force for change in the region, touching the lives of countless individuals along the way. Joining her today is Allison Schuster, the Development Officer at Arrowleaf. Allison's unwavering commitment to creating positive change is what led her to join this esteemed organization. In her pivotal role, she leads the charge in fundraising efforts and explores diverse developmental opportunities to advance the impact of Arrowleaf's programs.And now, as they embark on a monumental journey, Arrowleaf invites us all to join them for a pivotal moment in their mission. Their inaugural Unmasking Homelessness Gala, set to take place this August, isn't just a celebration; it's a call to action to stand together in solidarity with those in need In today's episode, we'll dive deep into the heart of Arrowleaf's mission, exploring their remarkable work in Southern Illinois communities and the transformative impact they've had on countless lives. We'll also shine a spotlight on the upcoming gala, discussing its significance and how you can be a part of this inspiring movement.So, prepare to be moved by the stories of hope, resilience, and compassion that define Arrowleaf, as we welcome the remarkable Sherrie Crabb and Allison Schuster as today’s guests on the Isn’t That Rich Podcast!To purchase tickets to the Unmasking Homelessness Gala, click the link below:https://myarrowleaf.org/gala/?fbclid=IwZXh0bgNhZW0CMTAAAR2pGY_Qi55CuBd0oKSI3EkZNxyUdcWyrcFMA39y22hRVSC0CUXhRL_oZ7k_aem_AYvhtf6BVuVA_myJkjAuz2p15KTlfNBktAcduysyWLik_7O8AM9a7RSB5lxY5wRXIAWVpShHRtUoKRvk14zsjxWj

Learning from Financial Mistakes: Our Stories | Episode 69

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 healthier financial future.

FSB Mentorship Program with Lexi Cavins | Episode 68

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. Lexi's journey highlighted the diverse opportunities within the bank, and her enthusiasm and curiosity were truly inspiring. We can’t wait to offer more employees the chance to explore different areas of the bank and discover their passion for future career paths. Join us as we get to hear Lexi’s favorite moments, and the valuable lessons she gained from her time in the mentorship program.
Farmers State Bank| 618-998-1188 | Alto Pass- Harrisburg - Marion| IL

Commercial Lending Fuels Business Growth with Mike Hopkins | Episode 67

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 requirements, and cash flow management. Join us as we uncover the keys to securing financing for businesses.

Our New Favorite Financial Tool: The NOKBOX | Episode 66

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 planning tool, the Nokbox serves as a comprehensive home organization system, ensuring your digital footprint and personal legacy are preserved with ease. We decided to put the Nokbox to the test. Jill Franks and Jared Gravatt invested in the Nokbox and on this episode, they'll share their firsthand experience and insights into how this tool has transformed their approach to estate planning and home organization. Tune in to discover how the Nokbox can bring peace of mind to you and your loved ones. https://www.thenokbox.com/

When Plans Go Off-Course: Avoiding Loan Default with Tom Jones | Episode 65

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 he's going to break it down for us in plain English. So if you've ever wondered what happens if you miss a loan payment or two, this episode is for you. Grab a cup of coffee and let's dive
in!
Farmers State Bank| 618-998-1188 | Alto Pass- Harrisburg - Marion| IL
At Farmers State Bank, the core of our story is a simple truth: no one serves you better.
We can honestly promise this because we work harder and care more. We’re going to do whatever it takes to make you happy. But it’s not difficult. We simply treat you the way we would want to be treated.
At Farmers State Bank, we remain true to this core value of service because it’s the same on which we were raised. Only, who knew it would also turn out to be a great foundation on which to build a bank.
You see, Farmers State Bank is independently owned. So we have the freedom to be as friendly and likeable as we please. We take our cues from you. And you rely on us to serve you with everything we’ve got, today and for life. We know that kind of lifelong loyalty is only deserved when we provide you with consistently better service than you can find anywhere else.
Farmers State Bank.
No one serves you better.
http://www.myfsb.com

10 Marketing Tools We Can’t Live Without! | Episode 64

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 spark inspiration and equip you with the tools you need to take your marketing to the next level.
Farmers State Bank| 618-998-1188 | Alto Pass- Harrisburg - Marion| IL
At Farmers State Bank, the core of our story is a simple truth: no one serves you better.
We can honestly promise this because we work harder and care more. We’re going to do whatever it takes to make you happy. But it’s not difficult. We simply treat you the way we would want to be treated.
At Farmers State Bank, we remain true to this core value of service because it’s the same on which we were raised. Only, who knew it would also turn out to be a great foundation on which to build a bank.
You see, Farmers State Bank is independently owned. So we have the freedom to be as friendly and likeable as we please. We take our cues from you. And you rely on us to serve you with everything we’ve got, today and for life. We know that kind of lifelong loyalty is only deserved when we provide you with consistently better service than you can find anywhere else.
Farmers State Bank.
No one serves you better.
http://www.myfsb.com