Blogs

Gear up for the season with our holiday budgeting tips! Maximize your festive cheer while staying on track with your financial plans. While it’s better to give than receive, you can take charge of your expenses this season with effective holiday budgeting tips. Understanding Our Spending Intentions Before we get into our budgeting tips, it’s important to understand why you might be tempted to buy more this holiday season. Stress can be a key factor in overspending and is sometimes more stressful than the holidays. You might also feel social pressure to buy certain in-demand items. Or a flash...

Every year, vulnerable Americans suffer losses of over $28 billion due to financial exploitation, as reported 1 by the AARP. Shockingly, only a quarter of all frauds against the elderly are reported to law enforcement. At First Bank & Trust, a division of HTLF Bank, we are dedicated to safeguarding our vulnerable customers, and we are here to help you recognize and understand the signs of financial exploitation or abuse. Take steps to help protect yourself or your loved ones from these devastating crimes by educating yourself on these crucial matters. According to the Department of Justice’s definition of financial...

Click here to view an important note before clicking on links within the video. Join host Emily Stevens, Senior Marketing Professional at HTLF, in a thought-provoking conversation with Tracy Swaim, Fraud Risk Manager, and John Fick, Fraud Director at HTLF. This conversation involves the intricacies of Fraud Awareness and Imposter Fraud, shedding light on vital strategies for financial security. They'll discuss what today’s Imposter Fraud looks like and what to do when it comes to protecting your finances. Stay ahead of potential fraud by tuning in to this episode and gain a deeper...

Weighing the pros and cons of cash vs. credit can help you strategize your spending habits and get the most out of your money. If you’re wondering if you should carry cash or rely on plastic, consider your financial goals first. Here’s a guide to getting started. You have plenty of ways to spend your money, between cash, credit, debit and digital wallets. But ultimately, it boils down to just two choices: cash vs. credit. Debit cards and digital wallets don’t grow the funds within; they’re just electronic cash. Meanwhile, credit cards allow you to buy now and pay later. Which is superior? When...

Cryptocurrency scam threats continue to grow and are now the preferred payment method for fraudsters. According to the Federal Trade Commission in 2022, cryptocurrency was the most common payment method for fraudulent activity, with approximately $2 billion in transfers. Here’s an overview of cryptocurrency fraud and important tips on how to help protect yourself and your family. What is cryptocurrency? Cryptocurrency is a digital currency, which is decentralized, or not controlled by a government or traditional financial institution. Cryptocurrency is used as an alternative form of payment or...