Category: Personal Finance

Free Money? Learn More About the Welcome Home Program

House made out of money representing the free money that comes with the welcome home grant

Thanks to the Welcome Home Program, made possible by the Federal Home Loan Bank of Cincinnati, eligible homeowners could receive up to $5,000 toward the purchase of their new residence, increased up to $7,500 for homebuyers who are honorably discharged veterans or active duty personnel. The borrower must maintain ownership and reside in the property… Read more »

Three Reasons to Go Paperless in 2019

Woman uses laptop and enjoys paperless lifestyle

According to a 2017 survey by Javelin Strategy and Research, approximately 61 percent of checking account customers subscribe to paperless statements. Are you one of them? Discover three reasons to go paperless with your banking statements and other communications this year. Reason #1: Help the Environment Perhaps the most obvious benefit of going paperless with… Read more »

Four Factors That Influence Your Home’s Value

White home behind in green yard in springtime

Your home will probably be your greatest financial investment, and doing what you can to protect that investment it is a constant effort. Some factors in your control, ranging from the way you keep your lawn to the way you renovate your bathrooms, will affect the value of your home in the long run. However,… Read more »

What is a Co-signer – and Do You Need One?

First-time car buyer cosigns for an auto loan

If it’s your first time buying a car, you likely won’t have enough funds to pay for it in cash. And if you’re a young driver, you likely also won’t have the necessary credit history to get a loan. In these situations, or in situations where you may not be approved for a loan due… Read more »

5 Factors That Influence Your Car Insurance Rates

Man looks over his car insurance contract

Car insurance is essential for drivers today. Not only is it forbidden to drive without insurance in all 50 states, but that car insurance can also help you cover any costs if you get into an accident. Many drivers want the least expensive insurance rates they can find while still receiving good coverage. But what… Read more »

5 Easy Ways to Get Exercise At Work

Man stretches at his office desk during the work day

These days, many Americans have jobs that require sitting for extended periods of time. But sitting for prolonged periods is linked to a higher risk of disease and premature death, according to the American Cancer Society. If your job requires you to sit for hours, or if your New Year’s resolutions include getting more exercise,… Read more »

How to Start Saving and Stop Stressing

Woman doing her budget stresses over how much money she’s spending

We’ve all been there – the feeling of invincibility when your direct deposit hits your bank account, and the sinking feeling a few days later when you realize you’ve spent most of it. According to a study from Career Builder, nearly 78 percent of full-time workers live paycheck to paycheck each month. Are you one… Read more »

Success Story: Why the Trzaska Family Loves Minster Bank

Minster bank customers and siblings Joe and Jenny Trzaska at the University of Notre Dame

Some people stick with one bank for a long time. But have you had your savings account there since second grade? Siblings Joe and Jenny Trzaska of Minster have. “The week after our first communion, to help handle the slight influx of cash, our mom would bring each of us to the bank to open… Read more »

Financial Benefits and Drawbacks of Homeschooling

Homeschooling requires careful budgeting but offers parents the flexibility to customize their children’s education

Homeschooling is an increasingly popular choice for parents who want to customize their children’s education outside the traditional system. It also requires careful budgeting. Consider the following financial pros and cons as you weigh your decision. Pro: Homeschooling Costs Less Than Private School If you aren’t considering public schools for your children, homeschooling is generally… Read more »

How to Give Back During the Holiday Season

Woman volunteers during the holiday season

The holiday season is a time of giving. Yet, it can often be difficult to determine just how to give back to others during this time of year. Though it may not seem like it, a simple donation or act of kindness can make a world of difference for those who are in need. This… Read more »