Retired couple posing in front of a cruise ship while traveling

How To Travel During Retirement

When you retire, you have more time on your hands to see the world. However, with a fixed budget, planning your expenses out ahead of time is of utmost importance. Traveling during retirement is something that you can achieve with responsible budgeting and a sound strategy. Know Your Fixed Budget and Current Expenditures A good… Read more »

Young woman looks at vegetables in supermarket

7 Easy Ways To Reduce Your Food Waste

According to National Geographic contributors Samantha Cohen and Eric Estroff, Americans throw out an average of $165 billion of food every year. Not only is excess food waste a problem for people’s wallets, it also has a detrimental effect on the environment. Fortunately, there are several ways that you can reduce the amount of food… Read more »

Small business owner man stands with an iPad smiling

Staying Focused as a Small-Business Owner

Everyone gets distracted from time to time. For those running small businesses, distractions are not only more frequent but also more detrimental to success. Staying focused is a key tool every small-business owner should have in their toolbox. Starting is Easy – but Finishing is Hard Most successful business owners agree that starting something is… Read more »

Couple in their 30s looks at phone and plans for retirement

How to Plan for Retirement in Your 30s

Whether you’re playing catch-up or fine-tuning established investments, your thirties are crucial years for strengthening your financial future. Consider these tips to help make your road to retirement a bit smoother. Know Your Investment Options Whether you’ve already been saving for retirement or you want to get started, it’s important to be aware of your… Read more »

Young couple unpacks boxes in their new home

How Much Should You Actually Spend on Housing?

When you’re laying out your budget, housing money is probably a pretty big chunk. But are you setting your housing budget wisely? Before you sign up for a new lease or mortgage, make sure the monthly payments won’t ruin your financial plans. Following the 28/36 Rule As with many financial concepts, there’s a rule to… Read more »

Moran Refrigeration building in St. Marys, Ohio

Success Story: Minster Bank and Moran Refrigeration

Small business owners need a bank that truly knows them and understands their company.  That’s why Doug Moran, owner of Moran Refrigeration in St. Marys, Ohio, has been a Minster Bank customer for nearly 20 years. Moran’s company itself has been serving northwest Ohio’s appliance needs since 1947. Local Focus at a Community Bank Moran… Read more »

Group of friends enjoying a leisurely activity after budgeting for entertainment

How to Budget for Entertainment and Leisure

Budgeting is daunting, especially since it means cutting down on how much money you can spend on entertainment and leisure. But being smart about your spending doesn’t mean cutting out fun altogether. Remembering entertainment in your budget will help you stick to it and enjoy the times you do decide to spend.  Setting a Realistic… Read more »

Small business owner working on financial problems at desk

Five Signs of Financial Trouble for Your Small Business

Financial troubles for your small business typically don’t happen overnight. By paying attention to the following warning signs, you’ll be better prepared to protect your business from serious financial ruin down the road. Problem #1: You Have an Unbalanced Cash Flow When the money you’re spending to cover operating costs starts to exceed the amount… Read more »

Young male business owner looks out window in shop

Does Your Company Qualify as a Small Business?

The term “small business” is more than just a title — it’s a government-defined designation that comes with unique benefits. If your company qualifies as a small business, it may be eligible for the Small Business Association’s programs, which include loans, grants and disaster assistance. Furthermore, the federal government sets aside contracts for competition among… Read more »