Monthly Archives: November 2018

Keep Your Data Safe & Secure

Did you know that an alarming 73 percent of all Americans have become victims to some type of cyber crime? We are constantly glued to our devices; whether we’re checking emails or browsing social media, we have so much to do with so little time. Are we really paying close attention to ensure our personal data is kept safe and secure? We can’t forget about the basics when it comes to protecting your information, so read these 5 ways on how to keep your data protected and unharmed.

Update With Security Software – If possible, regularly update your devices with security software. Security software will protect your data from any random attacks from viruses and hackers. Any older software won’t be able to protect your data from the latest viruses. Cyber attacks are increasing, so it is important to keep on top of the latest updates.
Be On Wi-Fi Watch – When you step into a different place that does not have secure Wi-Fi, you will want to be wary. Often times we think nothing about connecting to “Free Wi-Fi,” because it has become second nature. However, hackers are able to position themselves in an area where they can receive direct access to your data between you and the access point. So, if you are someone who regularly uses public Wi-Fi, be careful — you can be at serious risk!
Protect With A Password – There are passwords for everything nowadays, especially with accounts that use personal information. With that being said, the simpler the password you have, the easier it is for a hacker to gain information. Passwords may never be completely secure, but be sure to follow password tips. Some tips include: password length of at least eight characters, use upper and lowercase letters, combine symbols and numbers, and use different passwords for each of your accounts. Utilizing these tips can ensure an increase in protection of your personal data. Additional tips can be found
Don’t Click On Emails From Unknown Sources – Be sure to stay alert when filtering through your emails. Hackers are getting smarter every day, therefore it is imperative that you know exactly who your emails are from and if they are legitimate. If there are any emails that you may not recognize, don’t open the attachments or respond. If you are ever suspicious of the authenticity — report it!
Physical Data Is Still Out There – Yes, we are undoubtedly in a digital world. But, in the workplace there are still many instances where printed files and documents are needed. In order to make sure your data stays safe and secure, you will want to make sure you are the holder of all information that is important to you. Secondly, when you need to dispose of any data information, use a shredder so it all becomes completely distorted. It may also be helpful to use locked filing cabinets for any of your private information.

By taking these extra measures, you can help ensure your personal data is safe and secure. Pay closer attention to your surroundings, as greater awareness decreases the chance of cyber crime. If you have additional questions, contact us today!

7 Ways You Can Give To Charity Without Breaking Your Budget

Generosity is a great quality to have, especially if you have children watching your every move. Lead by example when it comes to your friends or family by giving back – even if you don’t have the funds to do so! Iowa State Bank & Trust Company of Fairfield offers a few ways you can be charitable without breaking your budget.

Closet Clean Out

Look through your closet and find the items you haven’t worn for 8 months or more. Chances are you won’t be wearing that again, so give it to a good cause instead of hoarding it in your dresser. Donate your used clothes to Goodwill, the Salvation Army or another second hand store. Some stores even offer you money back for your items!

Share Skills

Your skills are worth more than you know. Teach a class to veterans about your online marketing job, so they can learn about how to work on the Web. Host a cooking class if you’re a chef to share your money saving recipes with others – and the list goes on and on!

Lend Your Dog

Your pet can be used to help others in distress and give affection. College campuses, nursing homes, children hospitals and veteran hospitals all have times where owners can bring their animals to give love to those who need it. Look into what places near you offer this type of program.

Get Snippy

Donate your luscious locks to a good cause such as Locks of Love and Wigs for Kids. Grow out your hair so you can help bring a smile to those less fortunate.

Donate Blood

Give blood to help those with their surgery or unexpected life events. Plasma and platelets are also an option for you to donate, as they help cancer and organ transplant treatments centers. Be sure to be an organ donor as well, so you can save up to eight lives!

Ask Your Company

Talk with your boss about sponsoring a youth sports team or giving to a local cause. Companies are always looking for ways they can support the community, so bringing a special case to them is another option you can utilize to give back.

Support Small Businesses

Shop at your local small businesses to keep their shops open. Supporting those around you is a great way to give back, along with gaining unique items for your home.

Don’t worry if your bank account isn’t able to help others. These ideas are fun and simple ways you can give back without hurting your savings. What are some other unique ways you’re charitable within your community?

How to Save for A House Down Payment

If you’re looking to buy a house, having a larger down payment will offer you a lot less financial stress in the long run. However, in order to put a larger sum of money down, you will need to take the right steps to save. Follow these 5 steps and you will be on your way to being a first-time home owner!

Step 1: Figure out how much you will need to save – If possible, secure a number or range on the amount you can responsibly spend on a house. You can plan to sit down with a mortgage lender or use a home buying calculator to help figure out how much you can afford. With the use of a calculator, be sure to remember that it will not take in account every aspect of your financials.

Step 2: Find the best ways to save – After you know an estimated range of how much you need to save, the next step is to figure out what expenses you can cut down – maybe skip vacations for year. The money you would spend on vacation can make a huge contribution toward a down payment. Next, take a look at your monthly expenses and see what you can reduce or eliminate; put that extra money into a down payment savings account. Lastly, work more. This may be easier said than done, but when there is opportunity to work an extra shift or add on hours, do it. Working more will be worth it when you are able to find your dream home!

Step 3: Transfer a fixed amount into a savings account each month – In addition to saving that extra money, set up a savings account specific for your house down payment. Then, with each paycheck you receive, have a certain amount automatically taken out each time and deposited into that savings account. That way it will remove any temptation to spend the money on other purchases. Before you know it, you will have enough money for a down payment.

Step 4: Leave room for flexibility in your savings – With all of this saving, it is equally important to leave room for flexibility. There will be other demands on your finances such as: car repairs, uncovered medical expenses or even loss of a job. You will need to be ready when and if these happen to occur – it is also helpful to create an emergency fund!

Step 5: Reduce your high interest rate debt – If you have high interest rates on your credit cards, it can painfully limit your ability to save. For this last step, do yourself a favor and pay off those high interest credit cards. Begin with your highest card and once that is paid off, close it and proceed to the next card. Lastly, transfer your credit card balances to the card with the lowest interest rate.

The process of buying a house can be very long and probably will require a big hunk of your savings. However, creating a larger sum for your down payment will sure be rewarding when you become a first-time home owner! Follow these 5 steps, and we can ensure much less stress in the long run.