ISN'T THAT RICH PODCAST | Farmers State Bank of Alto Pass | Illinois

Health Insurance: What To Do When Life Happens

There is no hiding from the fact that we all need health insurance! Whether we are young or old, rich or poor, a single person or have a family, healthy or sick, we all need it. But there are times in our lives where a special circumstance might occur, and you lose your insurance. Maybe you lost your job, you're between jobs, or are finally getting kicked off your parents' plan, however you find yourself uninsured you need to know the steps to take to protect yourself. Today our guest, Angie Cummins with FSB Insurance, answers all our questions on what to do about health insurance when life happens.

A Month of Tracking Our Spending

On a recent episode of the Isn't that Rich Podcast we talked about the financial "B" word, otherwise known as budgeting, and one thing we realized was neither one of us knew exactly where our money went each month. In order for us to set up a budget we could stick to, we had to do the leg work ourselves to figure out how much we were spending and whether or not our purchases aligned with our values. So we challenged each other to a month long of tracking our spending! This week we talk through all the purchases we made in a months time, no matter how embarrassing they were to admit! Needless to say this exercise was extremely enlightening and we discovered some major spending habits we weren't aware of before taking this challenge. We hope this episode encourages you to take your own spending tracker challenge so you can see first-hand how easy it is to get off track when you don't pay attention to where your money really goes.

Prevent Check Fraud with Positive Pay

Today, we are once again talking about one of our favorite topics of conversation: Fraud! And fraud itself is not our favorite topic. Honestly, we wish it didn't exist. But rather, we love sharing real stories of fraud happening in our area so, as listeners, you know what to look out for to prevent it from happening to you. The specific kind of fraud we talk about today is known as Check Fraud. Although check usage isn't what it used to be thanks to new banking technologies, fraud continues to threaten businesses and banks. But the good news is there are ways you can ensure your account remains protected. Today we are talking with guest, Taylor Shanks, about the newest way Farmers State Bank helps companies prevent check fraud with a new product called Positive Pay.

Gratuity Gone Wild: Unpacking America's Tipping Obsession

In this episode, we explore the fascinating and often controversial history of tip culture in the United States. Discover how a practice meant to reward exceptional service has evolved into an expectation that permeates even quick service restaurants. We'll explore the origins of tipping, its cultural implications, and why it has spiraled out of control in recent years. We also examine the impact of this tipping trend on both workers and customers. Whether you're a frequent diner or just curious about societal trends, this episode offers an eye-opening look at a pervasive yet often misunderstood practice. Tune in to learn how tipping culture has transformed and what it means for the future of service in America.

The Financial "B" Word: Budgeting

Today we are talking about the financial "B" word: Budgeting! If we are completely honest, most people hate the concept of budgeting, and for good reason! When people sit down and plan their budget, it starts with good intentions. They want to save more money, get control over their spending, and plan for their future. But the truth is setting a strict budget can actually set you up for failure. Because budgets feel so restrictive, they often don't work! Although we don't believe in strict budgeting, we do believe that understanding how much money you earn and how much you spend every month is really important to achieving financial security. Today we are going to talk about some guidelines you can follow to help you make sure you're spending and saving in a way that works for you that isn't oppressive or overly prescriptive.