Summer 2019

Your Money

Special Events

A merican Trust is again sponsoring the Back Waters Stage at Q Casino. We hope to see you there! The following local and national acts will be performing: Rock the River at Q Casino August 9 Three Doors Down August 22 Hinder & Saving Abel August 24 & 25 Summer’s Last Blast with the Spazmatics, Boy Band Review, Dingleberries, Menace, Johnny Trash, The Invited, and T.O.M.B. No admission for Summer’s Last Blast! K ids can become the heroes of their own story this year at the National Mississippi River Museum & Aquarium, in their latest seasonal exhibit “Once Upon A Time: Exploring the World of Fairy Tales.” This engaging and interactive exhibit, sponsored by American Trust, allows guests to enter the worlds of Beauty and the Beast, Cinderella, Jack and the Beanstalk, Thumbelina, The Elves and the Shoemaker, and much more. Throughout each story, children have an opportunity to try on costumes and interact with scenes from the R elive your greatest memories of America’s favorite pastime as baseball legends come together on Sunday, September 1, 2019. Experience the magic of the Field of Dreams Movie Site and rediscover America’s favorite pastime as legends from the world of sports & film come together on Labor Day weekend. From an autograph show, Q & A with players, a celebrity softball game, fantasy camp, silent auction, and more – see your favorite players in action. Watch as the Field’s famous Ghost Players emerge from the corn and entertain the Once Upon A Time National Mississippi River Museum & Aquarium Team of Dreams Field of Dreams, Dyersville

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stories. Unique and educational it focuses on the power and significance of fairy tales throughout history and around the world. The exhibit will be at the museum through September 8. Ticket information can be found at rivermuseum.com.

W hen considering buying a home, the down payment you have plays a major role in your future housing expenses. A higher down payment can influence your interest rate, monthly payment, and also your need for mortgage insurance. As you prepare for the home buying process, responsibly managing your spending and allocating extra cash to a savings account, will get you on the right track towards saving for your first home purchase. • Develop a budget and timeline. Start by determining how much you’ll need for a down payment. Create a budget and calculate how much you can realistically save each month – that will help you gauge when you’ll be ready to transition from renter to homeowner. • Establish a separate savings account. Set up a separate savings account exclusively for your down payment and make your monthly contributions automatic. By keeping this money separate, you’ll be less likely to tap into it when you’re tight on cash. Saving for Your First Home P urchasing a home is the biggest financial decision many will ever make. That’s why it’s important to put your trust in local hands that are willing to help at every step. American Trust is people you know. We are merging with MidWest One Bank and our name will change to MidWest One Bank, but our people and services will remain the same.

Trust American Trust for in-house Dubuque based: • Applications * • Processing • Underwriting • Closings *Loans are subject to credit approval. Property insurance is required. Certain restrictions may apply. See a mortgage lender for more information. NMLS# 474086.

• Shop around to reduce major monthly expenses. It’s a good idea to check rates for your car insurance, renter’s insurance, health insurance, cable, internet or cell phone plan. There may be deals or promotions available that allow you to save hundreds of dollars by adjusting your contracts. • Monitor your spending. With online banking from American Trust, keeping an eye on your spending is easier than ever. Track where most of your discretionary income is going. Identify areas where you could cut back and instead put that money into savings. • Look into state and local home-buying programs. Many states, counties and local governments operate programs for first-time homebuyers. Some programs offer housing discounts, while others provide down payment loans or grants. Reach out to your mortgage lender to learn more!

crowd with their on-field antics. Wrap up the weekend experiencing the story that started it all – watch the “Field of Dreams” on the very outfield where the Oscar nominated movie was filmed. For ticket information on this event visit teamofdreamsiowa.com.

Community Calendar American Trust is proud to be a sponsor of the following events:

Summer 2019

Asbury Music in the Park July 13 Asbury Park

Dubuque & All That Jazz! July 19 Town Clock Plaza

Simply better banking.

Money Talk is published by American Trust and Savings Bank, Dubuque, Iowa, for use by our clients. Reproduction in whole or in parts is prohibited except by permission. Information has been obtained by this publication from sources believed to be reliable. However, because of the possibility of human error or mechanical error by our sources, this publication does not guarantee the accuracy, adequacy, or completeness of any information, and is not responsible for any errors or omissions or for the results obtained from the use of such information. The data within this edition was current at the time of publication. Find us online! To report suspicion of fraud, theft, or harassment at American Trust anonymously go to: https://secure.ethicspoint.com/domain/media/en/gui/37188/index.html.

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