Archive for the ‘Family’ Category

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Traditional IRA & Roth IRA: What’s the difference?

March 10th, 2015 Cindy Mays

How are you preparing for your future? Are you climbing the ladder at work? Taking classes to learn new skills?  What about building a nest egg for your finances? One way to prepare for your future is to place your money into an Individual Retirement Account (IRA). An IRA is, in essence, a savings account […]

Charlie Funk

A note from Charlie – Mar. 5

March 5th, 2015 Charlie Funk

March 1-7 is National Consumer Protection Week. Identity theft is someone else’s problem. That is, until it happens to you! The following is a practical guide that offers important steps to follow and ways to enlist help from your financial institution: Don’t share your secrets. Don’t provide your Social Security number or account information to anyone who […]

checking card

Signature transactions vs. PIN transactions: What’s the difference?

March 5th, 2015 Sandy Bailey

“Swipe your card.” We hear it in restaurants, gas stations and retail stores. It’s fast. It’s convenient. And, it’s a growing trend. The number of people using check cards is increasing at a very fast rate. In 2012, check card transactions were accountable for purchases reaching over $2 trillion in the United States, and that […]


Online shopping: How to ensure your financial information is safe online

February 26th, 2015 Susan Koehn

Finally! Now, you can purchase a brand new TV, while watching your favorite TV show. If you notice you are almost out of pet food, you can order more vittles with your pet in your lap. When you get hungry, you can order food in 30 seconds, or less, without picking up your phone. You […]


Paying student loans vs. saving for retirement

February 17th, 2015 Mark Sandvig

What should you do? Pay off your student loans so you can feel like you’ve successfully escaped a large financial boulder from crushing you? Or, use a portion of your paycheck to live more comfortably, many years from now? Either way, you’re putting your money towards something you cannot see. You see money going out, […]

foreign currency

Exchanging Foreign Currency

February 11th, 2015 Angie Brown

You just took a phenomenal vacation through Europe and came back with some extra euros. Now what do you do with that currency? Maybe you are planning a trip to Japan and would like to exchange some money before you leave. How do you go about acquiring yen? Whether you are buying or selling foreign […]

Charlie Funk

A note from Charlie – Feb. 5

February 5th, 2015 Charlie Funk

It was time for vacation! My wife, Connie, and I had planned to take the week after New Year’s off and visit a warmer climate. With a horrible weather forecast for the Midwest, it seemed like it was going to be the perfect week for vacation. Things did not get off to a smooth start. When we […]


The MidWestOne Academy

February 2nd, 2015 madmin

Have you ever wondered what the information on your credit report means or how your credit score is determined? Do you know the factors that go into establishing your mortgage costs? Have you thought about which savings vehicles are available and which ones are right for you? MidWestOne is proud to present a resource which […]

kids credit history

How to help your child establish a credit history

January 2nd, 2015 Melissa Payne

These days, our economy is increasingly run on credit. If you want to get a mortgage, student loan or just want to put your dinner on a credit card, a solid credit history is needed. That’s why it’s so important to help your child establish a good financial foundation as soon as they turn 18 […]

credit cards

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

December 19th, 2014 Scott Jamison

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, […]

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