Tag Archives: Financial Planning

Allison Bates

Sep 27 2017

Managing Your Finances Made Simple


managing-your-finances-made-simple

Make a commitment to your financial fitness by automating your savings or pay-off goals. Set up long-range goals like saving for a down payment or short-term goals like paying off a high-rate credit card. When you determine a goal in …
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Matt Olson

Aug 01 2017

Credit Score Series: Part 3 Tips to Improve Your Credit Score


Credit Score Series: Tips for improving your credit score.

Improving your credit score can save you money through lower interest rates and insurance premiums. A higher score can open the door to more credit options such as a mortgage loan and it can even decrease the amount of security …
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Matt Olson

Jul 31 2017

Credit Score Series: Part 2 How Lenders Use Your Credit Score


Credit Score Series: How Lenders Use Your Credit Score

Many financial institutions consider your credit score when making a loan decision. If you’re in the market for a mortgage, car loan, personal loan, or even a credit card, your credit score is going to directly impact how much you …
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Matt Olson

Jul 24 2017

Credit Score Series: Part 1 What Makes Up Your Credit Score


Credit Score Series: What makes up your credit score?

Your credit score directly impacts your ability to get a loan and the rate and terms you pay for those loans. It also plays a role in things like your insurance rates, security deposit needed when you rent an apartment, …
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Jeff Ritchie

Jun 26 2017

Part 2 of 2: Examining Account Types – Payable on Death Accounts


An account that contains a “Payable on Death” (POD) designation is very different than an account just in your name.  You are strongly advised to consult with your estate planning attorney before adding or removing POD designations as changes may …
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Jeff Ritchie

Jun 19 2017

Part 1 of 2: Examining Account Types – Joint Accounts with Survivorship


Thinking about opening a joint account? Here are some items to consider when opening a joint account with survivorship with someone other than a spouse:

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Hannah Geyer

Apr 05 2017

April is Financial Literacy Month


A young boy and young girl look at Ipads.

April is National Financial Literacy Month. At Hills Bank, we believe in educating young people to take control of their financial future. To support this important endeavor, we’ve partnered with EverFi to bring the Hills Bank Financial Education Program to …
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Bob Lamkins

Mar 06 2017

Get Pre-Approved for Your Home Loan with Hills Bank


Are you looking to buy a new house, but have questions about what you can afford, what your monthly payment will be, or if you will need a down payment?  Let Hills Bank help answer those questions by getting you …
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Chuck Hippee

Feb 15 2017

Convert Your Pay Raise into a Savings Vehicle


Convert your pay raise into a savings vehicle.

The start of a new year is often when last year’s hard work pays off in the form of pay raises or cost of living adjustments. Instead of using that money to buy a new pair of shoes or the …
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Allison Bates

Feb 13 2017

Tips for Establishing an Emergency Fund


Resolve to Establish an Emergency Fund in 2014.

There is no shortage of financial advice available, including paying off debt, maxing out your 401(k), paying off your mortgage, and improving your credit score. One of the most important things you can do to improve your financial health is …
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