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6 ways to financially prepare for your own death

June 14th, 2013 Kevin Mote

Although thinking about your own death can seem morbid at times, it’s a good idea to put plans in place to become more financially prepared. After all – if you don’t plan for your own death, someone else will have to do it for you when you are gone. More often than not, this role […]

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What are the financial benefits of not having children?

June 7th, 2013 Scott Jamison

Do you live in a “dual income, no kids” – or DINK – household? The decision to have children is a very personal one. Some people deeply want to be parents, while others prefer not to. Some may be enjoying the DINK lifestyle before jumping into parenthood. Regardless of the reason, there are many financial […]

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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 […]

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Best financial advice ever received: Douglas Benjamin

May 24th, 2013 Doug Benjamin

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 ever […]

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Does it make sense to consolidate your mortgage with other debt?

May 17th, 2013 Doug Shanklin

If you have equity in your home and are carrying additional debts, such as credit card debt or auto loans, you may be wondering if it’s a good idea to refinance and roll your debts into your mortgage. Just like all other personal finance questions, it boils down to – “maybe.” If your debts are […]

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eBook: Your guide to investing

May 15th, 2013 madmin

Investing can be a daunting task. While you want your money to work as hard as you do, it can be difficult to determine where to start. Shall you open an IRA account or put all your money in a 401(k) account? What are bonds? How should you adjust your investment strategy as you age? […]

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5 ways to avoid money arguments

May 10th, 2013 Tina Hummel

Arguments about money can hamper marriages and can often lead to divorce.  In fact, a Utah State University study revealed that couples who reported disagreeing about finances once a week were over 30 percent more likely to get divorced than couples who reported disagreeing about finances a few times a month. Whether you’re a “Spender” […]

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The basics of an IRA – don’t lose out on these tax savings

May 3rd, 2013 madmin

This material was prepared for Dirk Ockerlander, LPL Financial Advisor, use. IRAs – or Individual Retirement Accounts – are essentially savings accounts with big tax breaks. This makes them an ideal tool to build your nest egg for your retirement. Unlike 401(k)s, which are accounts that are offered to you by your employer, the most […]

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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 […]

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What is Iowa’s Title Guaranty program and how does it work?

April 19th, 2013 Cindy Roberts

Buying a home is a complex process with many different moving parts. One of those moving parts is a title guarantee. Currently, Iowa is the only state remaining in the U.S. that guarantees its titles. Title Guaranty is a not-for-profit division of the Iowa Finance Authority that provides low cost title protection for properties in […]

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