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Budgeting for college

August 2nd, 2013 Jeff Burkhart

According to the study How America Saves for College 2013, one-quarter of families don’t save for college because they believe the student will qualify for enough scholarships and financial aid to cover the costs of college. In reality, only 61 percent of students received scholarships and those scholarships only covered 29 percent of their total […]

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The dangers of using a personal credit card for business expenses

July 26th, 2013 Jesse Gleason

Access to money is one of the most critical aspects of successfully operating a small business. As a business owner you need to finance the cost of equipment, compensate your employees and pay for the other materials and infrastructure needed to operate a business. For the vast majority of small businesses, that’s where a credit […]

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Best financial advice ever received: Gary Ortale

July 19th, 2013 Gary Ortale

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. My financial values stem from my parents, who […]

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Online tools to compare college costs

July 12th, 2013 Mike Finlayson

The cost of higher education has skyrocketed, and borrowing for a college education has become a reality of life. Unfortunately, making sense of financial aid packages and college tuition is anything but simple. Too often students receive financial aid award letters that are full of jargon, use inconsistent terms and calculations, and make it unnecessarily […]

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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 […]

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Don’t make these post-graduation money mistakes

June 28th, 2013 Kathy Cohea

Graduating from college and starting your life in the “real world” can be a scary venture – your friends aren’t living across the hall from you anymore and you’re probably starting your first professional job. On top of that you’ve likely got some college loans looming on the horizon, your parents may be less willing […]

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Key elements to getting a business loan

June 21st, 2013 Patrick Van Nevel

Obtaining the properly structured commercial loan can have a powerful impact on your business. It can improve your cash flow, help you invest in new employees, purchase new equipment, expand your office space and much more.  The bottom line? A commercial loan can help your bottom line. It’s important to know how to plan for […]

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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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