“No plan survives first contact.” We’ve all heard the phrase. It can apply to business or bedtime negotiations with your toddler. You made a budget in the cold of January, assessed your goals for the year, and an unexpected opportunity has drained your capital reserves by July. Despite your best efforts, you’re tight on cash, but your employees still expect a paycheck. Where do you turn? Here are a few things to consider to get through your cash crunch. Speed up your Read More

The New Year is the perfect time to establish financial wellness goals. First Community Bank and Trust and the Independent Community Bankers of America®(ICBA) are reminding consumers, it’s easier to build a credit score than to repair a bad one.  “Having a good credit history is key to any financial plan,” said Greg Ohlendorf, President and CEO of First Community Bank and Trust in Beecher, IL. “Credit scores take into consideration years of past behavior, Read More