“It is for us the living…to be dedicated here to the unfinished work which they who fought here have thus far so nobly advanced. It is rather for us to be here dedicated to the great task remaining before us — that from these honored dead we take increased devotion to that cause for which they gave the last full measure of devotion — that we here highly resolve that these dead shall not have died in vain — that this nation, under God, shall have a new birth of freedom — and that government of the people, by the people, for the people, shall not perish from the earth.”
November 19, 1863
This Memorial Day, we humbly ask that you remember those who paid the ultimate price for the freedoms that we enjoy in the greatest nation in the history of mankind.
Zachary, La. (May 23, 2012)—As students graduate from colleges and universities across the country and begin to plant the seeds for their financial future, the Bank of Zachary offers tips to help graduates manage finances in the “real world.”
Graduation is an exciting time for students who are often anxious to gain financial independence. It’s important to remember that the financial decisions you make now will affect your future for years to come, so take a moment to outline your short- and long-term financial goals and come up with a monthly budget that will work for you. This is one simple exercise that will be well worth any recent graduate’s time. You’ll thank yourself a few months and a few years down the line.
Students who don’t already have their own individual bank accounts (not cosigned by mom and dad) should open one immediately. At the Bank of Zachary, we can work with you one-on-one to make a financial plan that suits your individual needs.
Other tips from Bank of Zachary include:
- If you don’t have strong financial literacy skills, take some time to educate yourself on money matters, such as credit and ways to save for retirement. There is an abundance of resources available from programs such as FDIC Money Smart.
- Understand credit, how to build it and what hurts it.
- Set up online banking to help you manage your finances from anywhere.
- Start saving for retirement now even if it does seem like a long way away. Many employers offer investment matching plans to help you get started.
- Set up an automatic savings account that pulls from your account every month as soon as you get your paycheck. Some employers also allow you to defer savings to another account. If you don’t see it, chances are you won’t miss it so much. Having a safety net in your savings account will help you stress less.
- Stay on top of any student loans, don’t miss deadlines and consolidate if appropriate. Some companies will help you pay off your student debt; make sure to ask about this when negotiating your new job.
- Review your banking, credit card and loan statements regularly so you can be aware of any errors.
- If you move, notify your bank, card and loan issuers immediately.
- If closing a bank account, confirm that the account and appropriate lines of credit have been closed by verifying with the bank.
- Take advantage of working with financial planners at your bank who can help you create your financial roadmap and a smart monthly budget for this stage in your life.
This stage of a graduate’s life is all about empowerment—and financial matters are no different. We congratulate this year’s college graduates and wish them a prosperous financial future.
The Bank of Zachary has made improvement of our electronic delivery channels our top priority. We have already made significant changes to our bill pay system, and introduced mobile banking apps for iPhone and Android. A new and improved online banking experience should be available early next year.
We love to see our customers in our main office and in our branches, but we know that we must make our banking services available 24 hours of every day, and across a variety of devices. Our goal is to offer these services as well as any other financial institution – regardless of size or geographic footprint. And we promise to deliver these services with the same kind of personal service and attention to detail that you have come to expect from the Bank of Zachary.
Banking is an evolving business, but regardless of the delivery method, the Bank of Zachary promises to deliver personal service and attention to detail that our customers have come to expect for the last one hundred plus years.
The one person who has had the greatest influence on my life is without a doubt my mother. She has been the guiding influence, always leading by her shining example. If the key to success in life is to have a great mother, then I don’t have any excuses.
We hope that you will take special effort to honor the Mother’s in your life this Sunday, and every other day of the year take time to remember the special role they play in our lives.
Happy Mother’s Day to all, but especially to June Hunt Kennedy – the greatest mother a person could ever hope for.