Financial Literacy Resource Center

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First Southern National Bank has partnered with Banzai to bring you clear, in-depth lessons to help you dive into the financial topics you care most about.

Don’t Let Your SBA PPP Loan Make You a Target For Scammers!

2021-01-08T20:11:51+00:00January 8th, 2021|

While the Paycheck Protection Program (PPP) was geared to help businesses, fraudsters love to target small business owners during these difficult economic times. FRAUD PREVENTION TIPS Logos May Not Mean Legit The presence of a Small Business Administration (SBA) logo on an email or webpage does not guarantee the information is accurate or endorsed

Coronavirus News Cycle Provides Opportunity for Scammers

2021-01-06T20:37:06+00:00January 6th, 2021|

The Coronavirus is all over the headlines of every news outlet around the world. By now, you’ve likely heard about it. Scammers have too, and they are taking advantage of the fear surrounding the outbreaks. Your personal information and financial security are of utmost importance to First Southern National Bank. This is why we do our best to

Seven Scams to be Aware of During the Holiday Season

2020-12-11T15:59:41+00:00December 11th, 2020|

The holidays are a time of giving. Here are some tips to make sure scammers aren't taking advantage of your generosity this Christmas season! Online Shopping Scams Scammers often offer too-good-to-be-true deals through advertisements or phishing e-mails. These schemes often offer brand-name merchandise at extremely low prices. Consumers should avoid untrustworthy sites

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Cyber Security

2020-06-30T18:54:39+00:00April 1st, 2020|

CYBER SECURITY Whenever you’re online, you're sharing information, whether you mean to or not. It's up to you to protect your data, your privacy, and your identity. It’s almost impossible to imagine life without electronic devices. How would you keep in touch with your friends, listen to music, watch movies, buy tickets,

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Mortgage Affordability Calculator

2020-06-30T19:22:38+00:00March 31st, 2020|

Mortgage Affordabilty Calculator HOW IT WORKS It's important to know if the monthly payments on a mortgage will fit within your budget. Simply said, this calculator helps you do that. Start by entering how much you think your monthly mortgage payment will be. Next, enter your monthly income after taxes. Finally, enter your expenses; add and delete categories

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Coach: Am I Ready to Retire?

2020-06-30T19:22:55+00:00March 31st, 2020|

Coach: Am I Ready to Retire? HOW IT WORKS Every individual has a different goal for retirement. This Coach guides you through setting a personal retirement goal and predicts your total retirement savings. It then helps you evaluate whether you're on track to meet your goal. To begin the Coach, select "Get Started." Disclaimer

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Coach: Filling Out the FAFSA

2020-06-30T19:23:43+00:00March 31st, 2020|

Coach: Filling Out the FAFSA HOW IT WORKS Every year, billions of dollars are left in unclaimed federal aid funds. This means that thousands of eligible students aren't filling out and submitting the Free Application for Federal Student Aid, or FAFSA. It may seem intimidating, but the FAFSA is the best way to reduce the ever-rising costs

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Coach: Your First SBA Loan

2020-06-30T19:29:21+00:00March 19th, 2020|

Coach: Your First SBA Loan HOW IT WORKS Growing a business means you have to raise capital and SBA loans are one way to do that. Get ready to apply for your first SBA loan with this Coach session. Select Get Started to begin and follow along with the Coach. This session will help you evaluate how

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Coach: Build an Emergency Fund

2020-06-30T19:29:23+00:00March 19th, 2020|

Coach: Build an Emergency Fund HOW IT WORKS An emergency fund is an amount of money you set aside to cover unexpected expenses or to cover basic expenses if there are significant changes to your income. How much you need in your emergency fund is unique to you and your personal circumstances. To find out using this Coach

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Coach: Basic Bookkeeping

2020-06-30T19:28:33+00:00March 18th, 2020|

Coach: Basic Bookkeeping HOW IT WORKS Owning a business means staying on top of financial reports and bookkeeping. Easier said than done. Well, it used to be. This Coach session will guide you through basic bookkeeping principles and provide a spreadsheet for you to create both a Profit & Loss Sheet and a Balance Sheet for your business.

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Coach: Create A Budget

2020-06-30T19:28:35+00:00March 18th, 2020|

Coach: Create A Budget HOW IT WORKS You need a budget to tell your money where to go, but making one can seem daunting. This Coach walks you step-by-step through the process of creating a budget that fits your lifestyle. Using the 50/30/20 rule, every dollar is assigned to needs, wants, or savings. You’ll also receive personalized

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Coach: Get Out of Debt

2020-06-30T19:28:54+00:00March 17th, 2020|

Coach: Get Out of Debt HOW IT WORKS Managing debt is the best way to find financial freedom. This Coach session will provide useful strategies to manage your personal debt situation and create a plan to payoff your debts using the debt snowball or avalanche methods. To begin the Coach session, select Get Started. Next, follow along,

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