Gen Y. The Millennial Generation. Echo Boomers. If you were born between 1980 and 2000, you're one of them.

Each of you is a unique individual, but your generation has one big thing in common. You see things differently than any other generation before you.

Yours is truly a generation that is changing the way the world functions. From banking to the 2013 Oscars, you're making your mark and blazing new trails.

We want you to know that First Reliance Bank is listening to what you have to say.

We understand that you grew up with sophisticated communication, media and digital technologies. They're just part of your daily life, as is social media.

We've learned that you're comfortable with credit. You're aware that how you manage your money is crucial to reaching your life goals.

You've told us that you want more from your bank. You want to be heard ...

It's tax time again. For many of us, that means a tax refund. What do you do with your tax refund each year?

Frankly, a lot of us go right out and spend it. It's gone almost as soon as it comes in.

There is a better way. Why not take this year's refund and put it to work for you?

Consider using your tax fund to make an investment in your future.

Whether you're just starting out or finishing up your career, you've probably been following all the public discussions about Americans and retirement. If you haven't begun to invest enough to have a secure retirement, it's time to consider an IRA (Individual Retirement Account).

It's simple to set up a regular IRA with your tax refund. Open a savings account or arrange to invest in a certificate of deposit (CD) that you will designate as an IRA. ...