credit cards

What is the difference between a charge card and a credit card?

December 19th, 2014 Brent Hawkins

Many people use the terms “charge card” and “credit card” interchangeably, but the truth is the two are quite different. With their own set of costs and limitations, it is important to differentiate between both types of cards. Before you apply for your next card, whether it is a charge card or a credit card, […]

Your guide to holiday spending

eBook: Your guide to holiday spending

December 16th, 2014 madmin

The holiday season can be a budget-busting time period. After all – with gifts, entertaining, decorations and more, it’s not surprising that many people find it challenging to keep spending in check. In this booklet you’ll find a collection of our most helpful articles about how to keep holiday spending – and debt – in […]

Holiday shoppping

Spend smart this holiday season

December 12th, 2014 madmin

The holiday season can be a budget-busting time period. After all – with gifts, entertaining, decorations and more, it’s not surprising that many people find it challenging to keep spending in check. To help you end the year on solid financial footing, we’ve pulled together some of our favorite holiday spending articles. Enjoy! 7 ways […]

Charlie Funk

A note from Charlie – Dec. 4

December 4th, 2014 Charlie Funk

The year was 1979. A young bank management trainee in St. Joseph, Missouri was 200 miles from home and planning to spend a low key Thanksgiving Day as he had to work on Friday. The trainee was at Edna Dolan’s teller window and Edna asked, “What are you doing for Thanksgiving?” Upon hearing that the trainee did […]

saving for a down payment

6 tips to save for a down payment

November 29th, 2014 Damon Colvin

Before transitioning from renter to homeowner, prospective buyers must typically save between 5 and 20 percent of the home’s value for the down payment. To help you prepare for one of the first steps in the home buying process, we’ve put together six tips to help you save for a down payment. Tip 1: Develop […]

professional financial advice

5 small business finance tips from the pros

November 22nd, 2014 madmin

As a small business owner, one of the most intimidating aspects of running a business can often be managing the finances. Being subject-matter experts in their chosen profession not many entrepreneurs have experience with the day-to-day aspects of running a business, let alone overseeing the finances. That’s where expert help is crucially important. A good […]

Flint Cliffs Manufacturing Corporation logo

MidWestOne Customer Spotlight: Flint Cliffs Manufacturing Corporation

November 6th, 2014 madmin

When John Schulz decided to move back to his hometown of Burlington, Iowa in the early-1990s, he was able to find a business opportunity that allowed him to combine his experiences growing up on a farm with his professional engineering background at Case IH. He purchased Klein Manufacturing Co., a manufacturer of agricultural feed and […]

Charlie Funk

A note from Charlie – Nov. 6

November 6th, 2014 Charlie Funk

I had just returned from an early morning run when the phone rang. It was a friend of mine but it was unusual for him to be calling me before 7 a.m. In a quiet voice, he said “John Chadima died last night.” I was dumbfounded. A colleague who just the day before sat at his desk and […]

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Tips for lending money to friends and family

October 31st, 2014 Scott Jamison

Lending money to family or friends can be difficult. While you want to help out loved ones, you’re worried about what type of impact this loan would have on your relationship and whether you’ll ever see the money again. While most financial advisors suggest only lending to family members or friends as a last resort, […]

Credit report

Common credit reporting acronyms and terms explained

October 17th, 2014 Angie Brown

Reviewing your credit report is a step in the right direction toward financial stability. A thorough check of your credit history can help you plan for future investments and develop a strategy to establish good credit. However, the alphabet soup present in credit reports can leave many people feeling confused and overwhelmed. To help you […]

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