Archive for the ‘Retired’ Category

Professional woman

How to become the CFO of your life

November 22nd, 2013 Carol Petersen

Why is it so hard for some of us to manage our finances? Perhaps, if we started thinking of ourselves as the Chief Financial Officer (CFO) of our household, we would begin looking at money management as more of a challenge than an obligation. Pretend for a moment that your household is a business. Is […]

Steps to take if you are a victim of identity fraud

November 1st, 2013 Philip Bohle

Discovering that your identity has been stolen is a scary prospect that can leave many people unsure of what to do next. Take charge of the situation and take the following steps as soon as possible: 1. Call your bank and credit card issuers immediately so they can close your accounts. Whether your wallet has […]

Are you using technology to simplify your life?

September 20th, 2013 Melissa Payne

While the amount of technology in our daily lives can be overwhelming at times, it can also have a dramatic impact on our productivity levels. When you use technology to simplify your life, you are not just making things easier you’re also making yourself more efficient and productive. Financial institutions across the country have made […]

How to give back the right way

September 13th, 2013 madmin

This material was prepared for Kevin Mote, LPL Financial Advisor, use. It’s a great feeling to be financially stable enough to give back to non-profits and other organizations you support. But where do you start? And how much of your disposable income should you donate, as opposed to putting into your nest egg? Here are […]

Do your homework before you buy a home

August 23rd, 2013 madmin

Wouldn’t it be great if purchasing a home would be as easy as going shopping at a grocery store? All the products are on display in the same aisle, and if you aren’t satisfied with your choice you can just return it. Unfortunately – the process of buying a home is anything but simple. What’s […]

3 benefits of paying off your mortgage slowly

July 5th, 2013 Carol Wynja

If you’re like most Americans, you probably made a big down payment on your home and are making extra principal payments from time to time in order to pay off your mortgage faster. After all – owning your home outright is the smart thing to do, right? The answer to this question – and to […]

5 ways to “fix” your fixed expenses

May 31st, 2013 Teri Keenan

Living on a budget can be challenging – especially when you have a slew of fixed expenses that you have little control over. Between rent, a mortgage, insurance payments, utility bills, phone bills and car payments, fixed expenses can quickly seem like they are piling up. In fact, according to the U.S. Department of Labor’s […]

USDA guaranteed loan program can help with mortgage financing in rural areas

April 26th, 2013 John J. Garcia

If you are house hunting and considering purchasing a home in a rural area, be sure to talk to your mortgage officer about the USDA Rural Development Single Family Housing Guaranteed Loan program. As part of the program, the USDA partners with approved lenders, such as MidWestOne Bank, extend 100 percent financing opportunities to eligible […]

Best financial advice ever received: Barb Finney

March 22nd, 2013 Barb Finney

Editor’s Note – this article is part of our series “Best financial advice I’ve ever received.” People frequently ask bankers the best piece of advice they have ever gotten. So for this series, we’re asking MidWestOne employees to share the best money management tips they’ve ever gotten. The best piece of financial advice I’ve ever […]

Three key considerations when setting your annual withdrawal rate

March 14th, 2013 Tony Lyon

This material was prepared for Tony Lyon, LPL Financial Advisor, use. There are two factors that can determine whether you’ll have a comfortable retirement: The amount of money you’ve saved. How quickly you spend that nest egg after you retire. The rate of annual withdrawals from personal savings and investments will help you determine how […]

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