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By: First International Bank & Trust
Hey, Kids! Want an exclusive pass to see all of your favorite North Dakota sports teams in action?
Join the Jr. Champions today for a behind-the-scenes look into how North Dakota student-athletes become part of championship teams! As a member, you will have the opportunity to meet players and coaches and attend exclusive events that are only available to Jr. Champions members.
Who can be a Jr. Champions member?
Membership is open to all kids ages 2 or older, in eighth grade or under, and it's completely free to join! You must rejoin Jr. Champions every year to renew your membership and receive a NEW t-shirt and other fun stuff!
How do I register?
Starting August 1st, you will be able to register in-person at any First International Bank & Trust location in North Dakota during normal business hours, or sign up at select Fighting Hawks athletic events during the Fall and Winter sports seasons.
What does my membership include?
Captain of the Game
Want to have an all-access tour of the locker room, have your name announced at the game, or even take the field, ice or court with your favorite Fighting Hawks athletes? Only Jr. Champions members have the opportunity to be selected as Captain of the Game. When you sign-up, remember to check the sports you are interested in being the Captain for. Captains are selected at random.
First International Bank & Trust Jr. Champion in the Community
Parents, does your Jr. Champion help out the neighbors, volunteer at school, or do community service? Then nominate them to be the First International Bank & Trust Jr. Champion in the Community! First International Bank & Trust and North Dakota Athletics want to recognize the hard work your child is doing in the community by featuring them on the video board at a North Dakota Hockey game. To nominate your child, click here.
If you have any questions, please contact Lance Moser, University of North Dakota’s Assistant Director of Marketing, at firstname.lastname@example.org or 701-777-6953.
When faced with the decision on whether or not to buy a home, there is no clear answer which one is better. There are three things that every person should consider when determining which route to go: location, financial situation, and the long-term and short-term benefits and downfalls of each.
In making the choice between renting and buying, one of the most important aspects is location. Buying a home in a major metropolitan city, like San Diego or New York City, will be a significantly more expensive investment than buying a home in the suburbs or in a rural town. Regardless of whether a person is buying or renting, shoppers can expect to pay more per square foot in certain locations in addition to a higher cost of living. Do research online to compare costs of living by region or city ahead of time, so you can feel confident in your decision and financial planning.
Speaking of the cost, it is especially important for each person involved to consider his or her financial situation when deciding whether or not to buy a home. Renting is typically less expensive than owning a home on a month-to-month basis. However, homeowners can reap some benefits that renters aren’t entitled to. Although it could take anywhere from 10 to 30 years, at some point, homeowners will be mortgage-free. Homeowners also have the option to leverage the equity in their home to take out a home equity loan or line of credit. This could be especially useful when wanting to make renovations to potentially increase the home’s value or pay for a child’s education or for use in financial emergencies.
Aside from the benefits and downfalls already discussed, some consider one of the biggest advantages to owning a home is being able to customize and upgrade the home to follow personal tastes and trends and cater to unique needs. On the other hand, one of the biggest benefits to renting is the ability to call the landlord when something goes wrong. Many renters like the peace of mind, knowing that the landlord is typically financially responsible for any issues that arise on the home.
The choice between buying and renting is never easy. Take the time you need to consider your options and engage the help of trusted advisors along the way. Should any questions arise in regard to the benefits of homeownership, we invite you to to contact one of our mortgage loan officers today.
The September issue of Prairie Business names and honors thThe September issue of Prairie Business names and honors the 50 Best Places to Work in the northern Plains. Earlier this year, area employees nominated companies by submitting an anonymous employee-satisfaction survey, and Prairie Business used the survey results in selecting the 50 Best. The survey sought input on each employer’s benefits, workplace culture and employee morale, among other factors. And employees responded. Prairie Business received more than 1,000 nominations from employees from around the region, said Tom Dennis, Prairie Business editor.
"We are honored and humbled to be nominated by our employees to be one of the 50 Best Places to Work,” said Peter Stenehjem, President at First International Bank & Trust. “Our family is so thankful for our employees who take great care of our customers and help dreams come true each and every day."
All 50 Best winners are honored in the September issue of Prairie Business magazine, which is also available on the web at www.prairiebusinessmagazine.com.
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