President Barack Obama signed a bill last week which is said to create jobs by providing tax credits and helping banks increase loans. The $42 billion bill includes $12 billion in tax breaks over 10 years and the creation of a $30 billion fund run by the Treasury Department which will deliver cheap capital to banks with less than $10 billion in assets. David Hoke from Iowa State Savings Bank in Knoxville says they will not receive any of these funds and will not be impacted by the bill. Hoke says it is important for consumers to remember that all funds need to be paid back and in the end, they foot the bill. He goes on to say what would better impact our community is residents supporting local businesses, finding ways to do more business in town and taking personal responsibility in finding ways to get involved and give back. Hoke says every time we rely on the government to do anything for us, it is the wrong thing to do.