Sign up for a 401k

How to sign up for a 401(k)

June 1st, 2012 madmin

This material was prepared for Lee Curry, LPL Financial Advisor, use. As if starting your first job isn’t stressful enough, signing up for your first 401(k) can feel a little overwhelming. While some companies automatically enroll employees in their 401(k) plan, more than likely you’ll have to fill out some paperwork to participate. You’ll have […]

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Making financial decisions – don’t let emotions get in the way

May 25th, 2012 Cindi Schrock

At its core, personal finance concepts are usually straightforward and simple. However, some people struggle with managing their money by letting their emotions get involved. For example, you purchase a more expensive version of a rug because it features the pattern all the home décor magazines have been raving about. Or you upgrade your car […]

Hidden costs RS

Buying a home: Hidden costs of buying a home

May 18th, 2012 Tammi Eischen

Editors Note – this article is the fourth article in our series “Buying a home.”  In this series we’ll share tips and tricks that will help make the home buying process less confusing and more enjoyable. As if the home-buying process isn’t overwhelming enough, there are many hidden costs of purchasing a home that you […]

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eBook: Money management for young professionals

May 9th, 2012 madmin

As a young professional, you are confronted every day with new experiences. Managing your personal finances is just one of these many challenges. What exactly is a 401(k)? What’s the smart way to pay off college loans? How can I start to save? What is my credit score, and why does it matter? In this […]

Online banking safety RS

Is online banking safe?

May 4th, 2012 Allen Schneider

With the continued growth of the Internet, an increasing number of banks and credit unions are offering online services to customers. While online banking offers the potential for safe, convenient ways to manage your money, it’s important you also understand the risks. Safe online banking involves making good choices – decisions that will help you […]

inflation RS

Are you factoring inflation into your finances?

April 27th, 2012 Mark Sandvig

Sixty or 70 years ago, it was possible to buy a car for less than $1,000 and an average house for roughly $5,000. In today’s world, this is hard for us to imagine. Although it’s mostly common knowledge that prices go up over time, many people don’t fully understand the forces behind inflation nor the […]

saving for a down payment

Buying a home: Mortgage 101

April 20th, 2012 Jamie Allison

Editors Note – this article is the third article in our series “Buying a home.”  In this series we’ll share tips and tricks that will help make the home buying process less confusing and more enjoyable. Selecting a mortgage can be confusing, frustrating and time-consuming. Nonetheless, picking a mortgage may be the most important financial […]

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What happens when you close a credit card?

April 13th, 2012 Kevin Crall

Do you have credit cards that you opened to collect extra miles or a discount at your favorite store? Or perhaps you have some extra credit cards from your college days? If so you’re probably wondering if it’s time to close some of those extra lines of credit. It’s easy to take your scissors to […]

Reverse mortgage RS

Reverse mortgages – get the facts first

April 6th, 2012 Jayne Sandler

As an empty nester, it’s likely you’ve heard the term “reverse mortgage” pop up more frequently among your circle of acquaintances. Although we at MidWestOne Bank do not offer reverse mortgages, it is important to understand this type of mortgage option, to see if it is a viable option for you. If you’re 62 or […]

Borrow against your 401k RS

Should you tap into your retirement account?

March 30th, 2012 madmin

This material was prepared for John Evans, LPL Financial Advisor, use. Since the housing and stock markets collapsed several years ago, millions of Americans have found themselves in need of cash, either for short-term or longer-term expenses. Those who have contributed regularly to a workplace retirement plan, such as a 401(k) or 403(b), may find […]

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