Community State Bank
August 16, 2013
newsletter
August 2013

Super Saturday 5k
Superheroes unite for an exciting family 5k fun run/walk event.

Super Saturday 5k

ONLY 3 WEEKS LEFT!! BECOME A SUPERHERO FOR A DAY!

Grab your running/walking shoes, cape, mask and wrist guards and join us for the second annual Super Saturday 5K | Superhero Fun Run/Walk – sponsored by Community State Bank.

Last year, we embarked upon a brand new event for Super Saturday appropriately titled the "Super Saturday 5K". The event was such a huge success, that we decided to make it an annual event and...well...make it even more super!

On Saturday, September 7th, ordinary citizens and superheroes will join forces to walk, run (or fly) side by side down the historic streets of Union Grove. Check out the map here!

Not a runner?? Don't worry! You don't need to be as fast as the Flash! This untimed event is less about your 10-minute mile and more about having fun with your family and friends – and releasing your inner hero!

Superheroes Unite!!All participants will have their choice to register & participate as an Ordinary Citizen or an Awesome Superhero. If you choose Superhero, you will receive a colorful cape, mask and wrist guards as part of the registration! So the question is…which one will you be?

Not only do we promise that you will have a great time, but you will also help give back to our community by supporting a fun, safe, family-friendly event. All proceeds will go to Super Saturday for the enjoyment and benefit of everyone in the community. We strongly believe in this community event and look forward to its continued success.

Starting and ending at the Village Square, the flat 3.1 mile run/walk is ideal for families and people of all ages and abilities. Check out the course map here.

All participants will receive a goody bag, post-race snacks, and a complimentary drink ticket for Super Saturday night starting at 6:00PM. Enjoy music, food and drinks at the 9th Annual Street Dance in the Village Square.

SUPER SATURDAY 5K EVENT INFORMATION
SS5K REGISTER HERE!
SS5K General Information
SS5K Race Details
SS5K Volunteer Information
SS5K Course Map

WANT TO KNOW MORE ABOUT SUPER SATURDAY?
Find all of the event information & registration links at WWW.UGSUPERSATURDAY.COM

 
 
 
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College Finances 101
Financial tips for students heading to college.

College Student

 

Like vacationers packing for a cruise or workers buying a wardrobe for a new job, students beginning their freshman year at college are rightly excited about the journey they are about to begin. In addition to planning their technology needs and dorm room furnishings, new students might consider a variety of financial topics they will possibly face for the first time. During their early college years, students can benefit from setting aside even an hour or two to plan their finances, including these topics:

• Student loans: Students who rely on loans to help pay for their college expenses will want to read the fine print and understand when funds are available and all repayment requirements. They will want to balance the amount they accept in loans vs. their future career choice.

• Part-time employment: College students who work 10 or 15 hours per week often learn to make effective use of their time; however, those who work 20 or more hours sometimes find it difficult to keep up in their courses.

• Spending plans: College can be one of the most rewarding periods of a lifetime, filled with learning, new friends, and dreams to explore. A budget should allow a cushion to participate in new activities.

• Scholarships and grants: Once a student has settled on a major, there may be scholarships available within their program. This is a question to ask an academic advisor. Even a small grant can enable a student to commit more hours to study, work fewer hours, or lower the amount of student loans.

• Credit cards: College can be a good time to create a sterling record of wise credit card use, though students will want to carefully monitor their purchases, realizing that credit card debt can sneak up on any consumer. This is also a good time to learn about credit reports and begin a habit of checking them several times each year.

• Housing/rental leases: When students sign any rental agreement, this is another time to carefully read the fine print. Will they be liable for damage caused by a guest? Are overnight guests permitted? If roommates are involved, all should agree upfront about such issues as guests, cleaning standards, and who is responsible for cleaning, food shopping, meal preparation, and other needs.

• Identify theft: Routinely checking credit reports and frequently reviewing check and debit card usage online can help catch unauthorized payments. Remember: the best way to prevent theft is to keep close watch of wallets, cell phones, receipts, laptops and all other items containing personal financial data.

Careful planning during the first year of college can prevent personal financial crises and set the stage for a lifetime of good financial habits.

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Lower Your Bills At Home
Summertime home cost saving tips.
Bills

When the temperature goes up, so do energy bills, water bills and a host of other home-related costs. Here are a few ideas for how to stretch your household home improvement budget this summer.

Invest in a programmable thermostat.
Programming your thermostat is one of the easiest, lowest cost ways you can cut your energy bills. Installing a programmable thermostat prevents your home from going through large temperature swings and can save you up to 10 percent on your cooling bills. A homeowner can save as much as $150 - or even more - on air conditioning bills by setting a thermostat.

Turn down the heat on your water heater.
In the summer, most households can function with the temperature on the water heater turned down to 130° F. This not only saves money on heating the water, it also reduces the risk of scalding and burns, especially for small children.

Upgrade your old air conditioner.
A room air conditioner carries an energy efficiency ratio (EER), or the ratio of the cooling capacity to the power. If you have old air conditioners with an EER energy efficiency of 5, you can cut costs in half by replacing it with a new one with an EER of 10. So do a simple calculation: If your average annual bill is $260, your bill would become $130. Depending on the size of the unit and room (window units range from $100 to $500), your annual savings will pay for the unit in just a few years.

Clean or change filters.
Appliances like furnaces and air conditioners function more efficiently and cheaply (and last longer) when you replace or clean their filters on a regular basis. Read your owners' manual to find out how often you should replace or clean filters.

Finally, unplug electronics when they're not in use. Even when electronics such as television sets, DVD players, computers and phone chargers are turned off, they can suck power out of outlets. Either unplug them when you're done using them or use a Smart Strip (which cuts power when it's not needed). One exception to this tip: overhead fans, especially at night, will cool air more cheaply than turning down the thermostat.

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Community State Bank Notes
What's happening at Community State Bank & in our communities.
Free Shredding Day   Super Saturday
Upcoming Community Shredding Day Super Saturday - Union Grove, WI

We would like to invite you to our FREE Community Shredding Day. The event will be held at our Union Grove office location at 1500 Main Street on Saturday, September 7, from 9am-Noon. We have partnered with Cintas to safely and securely destroy sensitive printed information right on site.

Community Shredding Day
Saturday,September 7, from 9AM to 12PM
1500 Main Street, Union Grove, WI

What to Bring?
• Credit Card Statements
• Financial Records
• Credit Card Applications
• Billing Statements
• Legal Papers
• Bank Statements
• Cancelled Checks
• Income Tax Files

IMPORTANT: For the convenience of all of our guests, we ask that you limit your shredding items to 10 boxes - No exceptions

Super Saturday is an opportunity for businesses, local service organizations and community members to connect with a day filled with fun and activities centered in Union Grove, WI.

This year Super Saturday will take place on Saturday, September 7th, 2013, and will be held in downtown Union Grove, WI, in and around Village Square Park. Local businesses will be holding sidewalk sales and local vendors are encouraged to participate. Super Saturday is an all-day event (10am – Midnight) with a wide variety of things to do, see and eat throughout the day. Super Saturday will also feature four main attractions.

BattlefieldLive Wisconsin - Lasertag

10AM - 2PM, 11th Ave. & Main Street, Union Grove

Union Grove's Got Talent - Talent Competition
11AM, Village Square Park, Union Grove

Super Saturday 5k - Superhero Family Fun Run/Walk
3PM, Village Square Park, Union Grove

Super Saturday Night - Street Dance
6PM - 12AM, Village Square Park, Union Grove

For complete event details visit: www.ugsupersaturday.com.

 
Back to School   Community Bulletins
Back-to-School Community Bulletins

August 15th marks the beginning of the National Safety Council's "Back to School" month.

As summer draws to a close, back-to-school season is in full effect. Safety should be a priority for every family as children return to classrooms this fall. It is important for parents to stay up-to-date on the proper safety precautions and share this information with their children to keep them safe throughout the school year.

Whether children walk, ride their bicycle or take the bus to school, it is extremely important that they take proper safety precautions. Here are some tips to make sure your child safely travels to school.

Back-to-School Safety Checklist – Use this checklist to review important safety procedures to make sure your children are fully prepared for the school year.

For other great information regarding Back-to-School season please visit the National Safety Council.

If you've driven by or stopped in at any of our banking locations you've seen Community State Bank's commitment to promoting local events.

In addition to lobby postings and, depending on the availability, outdoor marquees, Community State Bank would like to promote community events through our dedicated social media channels as well.

FB: facebook.com/communitystatebank
Twitter: @CSBTweets

If your community group or service organization has an upcoming event, we'd love to hear about it... and then tell everyone about it!

You can submit community event information by emailing us at: info@communitystatebank.net. We look forward to hearing from you.

NOTE: Event information will be posted at the sole discretion of Community State Bank.

 
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