Voice - First Savings Bank

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Voice - First Savings Bank
FEBRUARY 2019

                                                                                        Voice

     HEART ATTACK SYMPTOMS                                                     SPOT A STROKE F.A.S.T.

     Chest Discomfort Most heart attacks                                       Face Drooping - Does one side of the
     involve discomfort in the center of the                                     face droop or is it numb? Ask the person
     chest that lasts more than a few minutes,                                   to smile.
     or that goes away and comes back. It can                                    Arm Weakness - Is one arm weak or
     feel like uncomfortable pressure, squeez-                                   numb? Ask the person to raise both
     ing, fullness or pain.                                       arms. Does one arm drift downward?
     Discomfort in Other Areas of the Upper Body                  Speech Difficulty - Is speech slurred, are they un-
     Symptoms can include pain or discomfort in one or            able to speak, or are they hard to understand? Ask
     both arms, the back, neck, jaw or stomach.                   the person to repeat a simple sentence, like “the sky
     Shortness of Breath with or without chest dis-               is blue.” Is the sentence repeated correctly?
     comfort.                                                     Time to Call 9-1-1 - If the person shows any of
     Other Signs may include breaking out in a cold               these symptoms, even if the symptoms go away, call
     sweat, nausea or light-headedness.                           9-1-1 and get them to the hospital immediately.
                          Source: https://www.heart.org/en/about-us/heart-attack-and-stroke-symptoms

     SPAGHETTI-SQUASH SPAGHETTI
     Try this creative Italian recipe from the
     American Heart Association
     For more heart healthy recipes go to
     https://recipes.heart.org/en

     1 spaghetti squash (3 pounds)               1/4 tsp. black pepper
     non-stick cooking spray                     1/4 tsp. dried, salt-free herbs, Italian blend
     1 tsp. extra virgin olive oil               1/8 tsp. crushed red pepper flakes
     1 clove fresh garlic (minced) OR 1 tsp.     16 oz. canned, no salt added tomato sauce
     jarred minced garlic                        1/2 cup small “bite size” fresh mozzarella balls (can
     1/2 small onion (chopped)                   substitute fresh mozzarella) cut into bite-size pieces
     1 cup tomatoes (diced) OR 8 oz. canned,     1/4 cup coarsely chopped, or, torn basil OR 1 tsp.
     no-salt-added, diced tomatoes               dried basil

         Preheat oven to 350° F. Cut spaghetti squash in half. On a baking sheet coated with cooking spray, place halves
     of squash face down and bake for 1 hour or until tender. Heat oil in medium saucepan over medium heat. Add
     garlic and onion and cook until soft, about 5-7 minutes. Add diced tomatoes, pepper, herbs and red pepper flakes.
     Cook until liquid is evaporated, about 2-3 minutes. Add tomato sauce and reduce heat to medium-low and simmer
     for 10 minutes. Let squash sit at room temperature until just cool enough to handle. Take a fork and scrap flesh
     from outside working in, creating “spaghetti noodles”. Add squash “noodles” to sauce and remove from heat. Toss
     with mozzarella balls and fresh basil and serve.
Voice - First Savings Bank
Trying to decide which retirement savings account has the best features for you?
            Here’s an overview to help you choose between a Roth or Traditional IRA.

                   Roth IRA                                                     Traditional IRA
                         Tax-free growth                    TAX BENEFITS
                                                                                        Tax-deferred growth
          Tax-free qualified withdrawals                                                Contributions may be tax-deductible

                      Any age with income                  AGE ELIGIBILITY              Under age 70½ with income
     2018 Single: $120,000–$135,000                                                     No income limits to make
     2018 Joint: $189,000–$199,000                          INCOME LIMIT                contributions, unless you are an
     2019 Single: $122,000 - $137,000                        ELIGIBILITY                active participant in an employer
     2019 Joint: $193,000 - $203,000                                                    sponsored plan.
                   Contributions: never                     TAXATION AT
   Earnings: Tax-free after 5-year aging                                                Yes
                                                            WITHDRAWAL
    requirement + other qualifications
    Non-qualified distribution: taxation               POTENTIAL PENALTIES              If before 59½:
                of earnings + 10% tax                    AT WITHDRAWAL                  10% Early withdrawal penalty

                      Original owner: none              REQUIRED MINIMUM
                                                       DISTRIBUTIONS (RMDs)             Starting at 70½

After five years, up to $10,000.00 of earnings can                            Contributions lower taxpayer’s taxable income;
be withdrawn penalty-free to cover first-time                                  up to $10,000.00 penalty-free withdrawals to
homebuyer expenses.                                                                    cover first-time homebuyer expenses.

                                   FOR TAX YEAR 2018, YOU CAN CONTRIBUTE UP TO:
     $5,500 to your IRA, plus an additional $1,000 catch-up contribution if you reached age 50 or older by the end of the tax year.
             In 2019, the IRA contribution limit increases to $6,000; the catch-up contribution limit is staying the same.
FOR TAX YEAR 2018, THE CONTRIBUTION DEADLINE FOR ROTH AND TRADITIONAL IS: 4/15/2019
                                                           MEMBER FDIC

   SPRINGTIME IN IOWA – IT’S MORE THAN THE TULIPS!

    Join the VIP Club April 30 – May 5 for a trip to Pella Iowa Tulip Festival. We are
   working out the final details for this trip which will include many of the festivities
                                  at the annual festival –
     TULIPS • PARADES • ENTERTAINMENT • AUTHENTIC DUTCH FOODS • CRAFT
           FAIR & DEMONSTRATIONS • HISTORICAL VILLAGE • WINDMILLS.
    There are additional activities that can be added per guest preference. We will
      also travel to Amish Community in Kalona, Iowa, the 7 Amana Colonies for
                     Maifest and some surprise stops along the way!

     Departure will be from Huron, SD, and we will have additional pickups
                          along the route if possible.
                      Registration deadline is March 28th.

     Please contact your local VIP Representative if you are interested!

                                                        Beresford
                               Our January VIP Birthday celebration was held at the Senior Center.
                                         Our birthday drawing winner was Leon Hedeen.
                             Pictured (top left) are Leon Hedeen, Carla Lawrenson, Barb Hegg, Karen
                                   Boden, Heather Ivarsen, Ann Hedeen, Valonta Cleland,
                                                        and Jeanette Smolik.

                Watch for your VIP Birthday Card with your invitation to join us in
                                    your birthday month!

                                                         T or C
     Our New Building is coming soon - estimated completion is by the
end of February! First and for most, we would like to thank all of our VIP
Club Members for being so patient with us through the construction. We
know you all were looking forward to a holiday party in December, but
with the Grand Opening just around the corner, the wait will be worth it!
We will make sure to keep everyone updated on when the bank will be
finished and when that Grand Opening event will be.

    We hope you are all as excited as we are about our new bank. Thank
you all again for your patience and we look forward to seeing you at the
Grand Opening!
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