Tag Archives: Kids

Dave Williams

Meet our Neighbor, Performance Therapies!

At Two Rivers Bank & Trust, we care about our customers, which is why we take pride in getting to know each and every one.

Our Good Neighbors Club Director, Renee Zaiser, considers it to be the best part of her job. “Our customers are absolutely the best,” she said. “They’re happy, Midwestern people and we love providing the solutions to any problems they may have.”

With January 19, being National Get to Know Your Customers Day, we wanted to take this opportunity to introduce you to our customer, Dave Williams, who can help you reach your health-oriented New Year’s resolutions!

Dave came to us in 1999 with a dream to open a health and physical therapy clinic while putting himself through a doctoral program in physical therapy. His company, Performance Therapies in Coralville, has grown into a health club, fitness and therapy center that’s focused on improving the lives of people in our neighborhood. Now, Dave is not only our client but also our neighbor.

“Two Rivers Bank & Trust shares my desire to help people make their dreams and goals come to life,” said Williams, who has worked to make his passion for helping others a reality. “Two Rivers believes in doing things the right way. They’re really good about taking care of their clients, just like I do.”

Thank you, Dave, for allowing us to help you make your dream a reality. We take pride in being your neighbor.

Learn more about Performance Therapies and how they can partner with you in 2017 to reach your fitness goals!

6 Neighborhood Events to Help You Beat Cabin Fever

Living in Iowa in the winter time can sometimes feel like a drag. Between students being on break and long weekends in January, we know your family may be experiencing some cabin fever. At Two Rivers Bank & Trust, we are deeply invested in our local neighborhoods and your winter wellness!

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Megan Fritz, our Burlington Branch Manager on Roosevelt Avenue, thinks going out into your neighborhood is the best way to fight the winter blues. “Going to events in your community gets you out of the house and more involved,” she says. “Once you go to one event and meet new people, you hear about more and it makes the neighborhood more connected.”

Here are some local activities for you and your family during these cold and dreary months!

January 13 – Trivia night at the Burlington Public Library. From 6 pm – 9 pm challenge your neighbors in a battle of wits and help support library programming! Visit the library’s website for more information.

January 6-22 – Ramona Quimby is coming to the Des Moines Community Playhouse! Every weekend in January, Ramona, the star of Beverly Cleary’s book series, and friends will be performing in the Kate Goldman Children’s Theatre. Check out everyone’s favorite 3rd grader here.

January 22 – Beat the dull January days by heading to the Greater Des Moines Botanical Garden for music and tropical flowers during Botanical Blues. Every Sunday in January from 2 pm to 4 pm, musicians will fill the tropical conservatory.

January 25 – Break up your winter routine with one of the most unique musical acts around! Scott Bradlee’s Postmodern Jukebox is coming to Englert Theater at 8 pm. “Postmodern Jukebox takes your favorite Top 40 hits, throws them in a time machine, and re-imagines them in the style of classic musical eras.”

January 28 –  Eagle Watch at the Port of Burlington. Don’t miss your chance to spot an eagle and enjoy the fresh air at 10 am. Join the Des Moines County Conservation division to learn more about our national bird.

January 31 – Head into February with a classic for the whole family! The Sound of Music is coming to the Hancher Auditorium. Directed by a three-time Tony Award winner, Jack O’Brien, this rendition of the beloved musical is a great way to give January the boot!

Headed out and forgot cash? Pop over to one of our ATM locations. We’re here for you in every neck of your neighborhood.

Give the Gift of Finances!

email headerLet’s face it. Your child has everything! They’re fed, clothed, and probably even have an Xbox One, a cellphone, or both! But did you know that 48 percent of children are lacking a college fund or any type of savings account?

Coralville Personal Banker, Jeannie Beisel, believes it’s never too soon to start teaching your children sound financial habits. “The earlier that you start those good habits, the better they’re going to stick.”

So, ‘Why open a Jr. Banker Savings account during the holidays?’ you ask?

“Grandparents, aunts, uncles, etc. give money around the holidays, and opening a Jr. Banker Savings account at Two Rivers Bank & Trust will teach kids how to be responsible with their money instead of spending it on the first thing that catches their eye,” said Beisel.

It costs $5 to open the account.

Investing in your child’s future has never been easier! For just $5, you can open your little one’s savings account and set them up for a bright future. “The interest rate for the Jr. Banker Savings account is phenomenal,” said Beisel. “So your child’s money will grow as it just sits safely in the account.”

Maintaining a bank account teaches your child about money management.

campfireDon’t you wish someone taught you more about money management as a kid? Kids will be better off financially as adults when they grow up learning to set aside money, instead of spending it the minute they get it. Opening a savings account for your child is a great excuse to start that dialogue to explain why it’s important to save, and how much they should be saving. The best part? With a Jr. Banker Savings account, you can open it when they’re five, and it can stay with them when they decide to take up babysitting or a paper route a couple years down the road.

Your loved ones have more ways to give to your child.

All too often, grandparents, uncles, aunts, cousins, and even friends are uncertain about what to give your child for birthdays or holidays, so they turn to cash or gift cards. Beisel said, “A Jr. Banker Savings account is great for when your children do get monetary gifts from relatives.” So, rather than sending out extensive gift lists and keeping track of who got what, an alternative would be to ask your loved ones to contribute to your child’s savings account. A donation to your child’s savings is the gift that keeps on giving since Two Rivers Bank and Trust pays interest on these accounts!

For $5 you can open the door to financial security for your little one’s future, and your child will learn how to manage money – an invaluable gift.

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Get your kids excited about saving

It’s important to get your kids excited about saving, especially when you have a little extra time on your hands. What better time to start than now?!

The value of saving is something that some parents instill into their children at an early age.

“As far as ages go, as young as three and four is when children can start recognizing what money is and that money has value,” said Two Rivers Bank & Trust Online Sales and Service Representative Dawn Pratt.

Set up a plan

There are many ways to get children to start saving their money. But first, it’s important for them to be making money in order to put some of it away.

“Whether it’s picking up cans, or maybe mom and dad have some kind of an allowance program, where you get paid so much for each chore. Somehow they need to recognize that they have to work to get money to be able to spend it on what they want.”

Chores around the house are a great place to start. Maybe it’s $1 if they make their bed in the morning or for taking the dog for a walk. Adjust the dollar amount as you see fit for your family and your own budget. Is your child old enough to have a job? Babysitting in the neighborhood or paper routes are great options for kids who aren’t old enough to drive.

Once you have your child earning money, it’s time to incorporate the savings aspect, which is different for different ages.

“Preschoolers – make sure they’re putting their money in a clear jar so that they can see it grow,” said Pratt. “For elementary to middle-school aged children, have them try a three jar system — spending, saving and giving—making sure they understand that at least 10% should be saved.”

Pratt also thinks that it’s worthwhile to get the whole family involved.

“Some people have even considered matching what their children save. If their children saved 10%, mom and dad kick in another 10%. So for every dollar saved, they put a dime away and their parents match it. So it’s like their own little family 401k.”

The Two Rivers Bank & Trust in Mediapolis partners with its schools to create a Bulldog Savings Bank.

“We go to the school once a week and have our Bulldog Savings Bank members come in and deposit. Now, they can only deposit up to $20/week, but if they deposit $20/week throughout the whole year, that adds up to be quite a bit. Even $5, that’s a lot more than what they had before. And the children, they have fun. They come in and they get waited on by our 5th graders that are our bank tellers and it’s a great way to integrate children into the banking system.”

Goals

Based on what their earning potential is, set goals for your child to meet every week. For example, if they are earning around $10 per week, make it exciting for them to set aside $2 for savings.

It’s important to figure out what they are they saving for. Set a goal for your child as far as what they can spend their savings on. Have they been wanting to go to Chuck-E-Cheese every time you’re driving around for errands? Do they love going to the pool during the summer? Give them a payoff and it’ll make it more exciting!

Two Rivers Bank & Trust believes in teaching good fundamental savings habits, which is why they have a savings account for your child. The Jr. Banker Savings account only requires a $5 deposit to open an interest bearing account, with fantastic rates on account balances in two tiers. The account even converts into a regular savings account when the account holder turns 18! Stop into your neighborhood Two Rivers Bank & Trust to get your little one started with savings today.