Community State Bank
May 16, 2013
newsletter
May Flowers

MyLIFE Program
Unique approach to financial literacy proves to be a winner.

MyLIFE Program

On any other day, Jacob Noll is a junior at Union Grove High School, going to classes, studying, hanging out with his friends and generally doing what most regular High School students do. On Tuesday, April 30th, 2013 however, he found the circumstances in his life had changed quite dramatically thanks to "MyLIFE" (My Local Interactive Financial Education) a financial literacy program developed by Community State Bank and U.G.H.S. As a MyLIFE participant, Jacob found himself a divorced father of three, struggling to pay the bills and juggle a full-time job as a firefighter.

All Union Grove High School Juniors attended the inaugural MyLIFE program. Each student was presented with a folder that contained his or her new, randomly assigned, "life". Each "life" included: an occupation, marital status, spouse's occupation, annual salary, number of dependents, child support (when required), pets, education, student loans, credit card debt, health insurance coverage and credit score. Every student was thrust into an imaginary life with real-world problems, challenges and solutions.

As the students made their way through the MyLIFE experience, they were required to manage a complete monthly budget including: a place to live, insurance (health, life, auto, homeowner's) groceries, transportation, gas and repairs for their cars, child support, even heath emergencies and other unexpected expenses. With help from local businesses, volunteers, and U.G.H.S. staff, students moved from station to station in the high school gym, navigating the MyLIFE program. "I think the most surprising thing about my day was all of the expenses you don't think about," said Noll. "Groceries, gas for your car. I even had to pay more for my condo because of my credit score."

Dave Pettit, a member of the MyLIFE Development Team and a teacher at U.G.H.S. thought the program provided the students with a unique learning opportunity. "The students took the program really seriously. I think it opened their eyes and gave them a glimpse of the challenges their parents have to deal with when it comes to managing a budget."

The MyLIFE program originated at Community State Bank and was presented to a group of educators at U.G.H.S. by Commercial Banking Officer Neil Buchanan, and Marketing Director Jeff Nielsen. After seeing and experiencing a similar program at Tremper High School in Kenosha, Nielsen and Buchanan set out to create "MyLIFE". "MyLIFE is an interactive program for students designed to demonstrate the importance of sound money management skills," stated Buchanan. " It's a unique learning experience and an opportunity to promote a partnership between the local business community and the High School."

The MyLIFE Development Team included U.G.H.S. educators: Wendy Coury, Dave Pettit and Tiffany VandeBogert, along with Buchanan and Nielsen. With a combination of both High School faculty and Community State Bank representatives, the committee was able to develop the MyLIFE experience, schedule the event, recruit business partners and launch the program.

"The logistics of putting together a program like this were quite challenging, but everyone walked away from this experience with a positive, unique perspective," stated Nielsen. "We're looking forward to expanding the program, and continuing to strengthen the partnership between educators and the local business community."

 
 
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Tips To Manage Your Finances When You Travel
Before you plan your next trip, be sure to check out these simple financial tips to avoid frustration.
Tips for Travelling

Planning a vacation can be chaotic, so many people use a checklist to make sure they have everything ready when it comes time to leave. Packing, unplugging appliances, getting a passport, letting school know the kids will be gone, etc. However, adding a few financial management items to your list can prevent a lot of frustration down the road. Don't forget to check these financial vacation tips off the to-do list before you leave!

Tell your bank you'll be travelling.
Make sure your financial institution knows that you'll be travelling and where you're going. In order to protect customers against fraud, most banks monitor your normal spending habits, including geographic location. If out-of-area purchases suddenly show up on your account, the bank may flag or block those transactions as potentially fraudulent. Also keep the 800 numbers for your credit cards on hand in case you need to report a lost or stolen card.

Double-check your accounts.
Make sure you have enough funds set aside that you'll have emergency money during your vacation. Set up automatic or early payments for any bills that will be due while you're away. Don't miss any payment dates because you're gone.

Make sure you have a way to check in while you're away.
Services like online banking, text alerts and mobile banking can help you monitor your spending and your account balances even while you're on vacation. Especially since you'll likely be making withdrawals from unfamiliar ATMs and making purchases at new places, it's a good idea to carefully monitor your accounts while on vacation.

Carry a variety of payment options.
Take along several credit cards, a check book and a debit card to make sure that if one payment method fails, you'll still have access to your funds. Carry a small amount of cash for small purchases and souvenirs. Use multiple wallets so that if one is stolen or lost you can still access your accounts.

If you have to make currency exchanges, talk to your bank about the most cost-effective method for your situation.

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Six Flags Great America
Get your discounted Daily & Season Passes at Community State Bank!
Six Flags Great America

Planning on taking a trip to Six Flags Great America this summer? Be sure to stop at Community State Bank before you go. Community State Bank has again partnered with Six Flags Great America to offer discounted Season and Daily Passes to our customers for the 2013 Park Season.

2 Parks - 1 Price
With 14 roller coasters, more than 30 heart pounding water slides and 3 children's areas, who else can turn an ordinary summer day into an unforgettable adventure - all for the price of a single admission? Whether your idea of fun is racing down a 200-ft. drop on Raging Bull, relaxing in a half-mile Lazy River, or hanging out with Bugs Bunny at your favorite show, there's something for everyone at Six Flags Great America.

Go For Thrills!
Six Flags Great America is more than a family theme park. It's the thrill capital of the Midwest with entertaining shows and incredible rides like Raging Bull, Super Man: Ultimate Flight and Vertical Velocity. You'll find more to scream about than any other park around.

Go For Spills!
With over 30 fully-caffeinated water slides, a gigantic wave pool, lazy river and the largest interactive water playground in the world, it’s no wonder Hurricane Harbor is the best water park in the nation! And this year, it's even bigger, better and wetter with 5 new daring water slides, a double Surf Rider, massive lagoon and luxury cabanas.

Six Flags Great America tickets are available at all Community State Bank's office locations (Union Grove Motor Bank excluded).

Pricing Info CSB Price Gate Price Total Savings
General Admission $44.00 $63.85 $19.85
Season Pass
(thru 6/9/13)
$71.00 $76.99 $5.99
Season Pass
(starting 6/10/13)
$71.00 $82.39

$11.39

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Community State Bank Notes
What's happening at Community State Bank & in our communities.
Closing Early   Protect Your Privacy
Branches Closing Early on 5/16/2013 Protect Your Privacy

Employee Appreciation Dinner
To show our appreciation to our employees Community State Bank will be closing at 4:00pm on Thursday, May 16th, 2013, for a special Thank You Dinner.

4:00pm Closing
All Branches
Thursday, May 16th, 2013

We thank you for your understanding. Normal office hours will resume on Friday, May 17th, 2013.

Community State Bank is concerned with protecting your privacy.

Please note that any reputable financial institution - like Community State Bank - would never ask for account or credit card numbers via text, email or voice blast. Never share personal information via these routes.

If you receive a request for any private information, please contact your local Community State Bank location.

 
Kenosha County Dairy Breakfast   Social Media
2013 Kenosha County Dairy Breakfast Community Bulletins
Your chance to visit a real working dairy farm!
Be sure to mark your calendars for the 2013 Kenosha County Dairy Breakfast on June 15, 2013. You just might run into some friendly, familiar faces from your local Community State Bank office. We'll be cooking eggs in a 6ft. skillet from 8:00am - 10:30am.

This annual event is fun for the whole family! Enjoy a morning on the farm that includes: a big farm breakfast, milking demonstrations, a Wisconsin products tent, old-fashioned children's games and much more! The breakfast will include scrambled eggs with ham and cheese, pancakes, fresh bread and butter, yogurt, muffin, milk, juice, and ice cream. Admission to the farm is free. Breakfast tickets are $6 and children 6 and under eat free.

Kenosha County Dairy Breakfast
Uhlenhake’s Land-Locked Acres
1801 216th Ave.
Union Grove, WI 53182

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 start promoting community events through our dedicated social media channels as well.

FB: facebook.com/communitystatebank
Twitter: @CSBTweets

Community State Bank will begin posting, and sharing local community events through our Facebook and Twitter accounts. 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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