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Hills Bank Friends Club Offers Exclusive Opportunities for Members––Hills Bank

March 18, 2013 LIVING WELL Magazine Comments Off

Day trips, luncheons, potlucks, seminars, educational talks, and group travel are just a few of the amazing opportunities Hills Bank Friends Club offers its members. The cost to join? Typically free! The catch? You must be a member of the Hills Bank Friends Club, and joining has never been easier. To be eligible for the club, you must be 50 years of age or better and maintain qualifying balances. Members enjoy an interest-bearing checking account and free personalized checks. Membership has continued to increase each year, and we currently mail our quarterly newsletter magazine to almost 9,000 households. […]

Keeping Your Money Safe…it is important –– DATCU Credit Union

January 6, 2013 LIVING WELL Magazine Comments Off

Keeping Your Money Safe…it is important
Courtesy DATCU Credit Union, Denton LIVING WELL Magazine

While there have been glimmers of hope in the economy, there continues to be concern over the stability of some financial institutions and a questionable economic outlook. We’ve all been inundated with media stories and articles about our nation’s debt, unemployment, higher taxes, and increasing healthcare costs. It’s a very scary time for many folks. […]

Do I Need a Living Trust? –– Landmark Bank

December 25, 2012 LIVING WELL Magazine Comments Off

Do I Need a Living Trust?
By Katie D. Whitman, JD, Landmark Bank, Texoma LIVING WELL Magazine

You’ve probably thought about what will happen to your loved ones when you pass away, but have you really thought about the details of how your money will be distributed? What about your house, your car, or your favorite antique dresser? Do you worry that one of your children won’t be able to handle an inheritance? […]

How to be safe online

December 3, 2012 LIVING WELL Magazine Comments Off

How to be safe online
By Greg E. Niemeyer

Make the online world a safer place
In today’s fast-paced world, computers and mobile devices are not only must-have gadgets, they’re essential to daily life. From social networking and e-mailing to research, online shopping and more, people are connected more than ever before. And since the Internet is the new medium for interaction, business and communication, it’s more important than ever to be safe and secure when using it. […]

Estate Planning Issues for Women

November 26, 2012 LIVING WELL Magazine Comments Off

Estate Planning Issues for Women
(and other helpful business hints)

By M. Keywood Deese, Texoma LIVING WELL Magazine

Women, especially mothers, are usually the family member in charge of making sure everyone else takes care of themselves and does what they are supposed to do. […]

Shifting from asset accumulation to retirement distribution

November 12, 2012 LIVING WELL Magazine Comments Off

Shifting from asset accumulation to retirement distribution

By Mark Ahlers, Linn County LIVING WELL Magazine

For retirement planning, instead of thinking about asset accumulation, develop a “Liability Driven Investing” strategy for your assets to provide cash flow. […]

All Eyes on November –– ANB Bank

November 1, 2012 LIVING WELL Magazine Comments Off

All Eyes on November

Courtesy ANB Bank

After experiencing the best start to a year since 1998, the S&P 500 weathered a disappointing April and May to reach a new four and a half year high. The S&P 500 closed at 1,437.92 on Sept. 7, 2012, its highest closing level since January of 2008. […]

Estate Planning for the Family Business

September 11, 2012 LIVING WELL Magazine Comments Off

Estate Planning for the Family Business
By M. Keywood Deese, Texoma LIVING WELL Magazine

Statistics reflect that over 55% of business owners die without a will, and that only 15% of family owned businesses make it to the second generation. If you want to make sure that your business will succeed you, it is necessary to establish an estate plan to facilitate that process. […]

Enhance Your Experience With Group Travel

September 5, 2012 LIVING WELL Magazine Comments Off

Enhance Your Experience With Group Travel
By Barb Colehour, Hills Bank and Trust Company, Linn County LIVING WELL Magazine

Planning a trip today, especially internationally, can be confusing, time consuming and even intimidating. Choosing group travel can eliminate a lot of stress and provide an opportunity to save money, eliminate travel frustrations and meet new friends. […]

Low mortgage rates present a variety of opportunities

August 13, 2012 LIVING WELL Magazine Comments Off

Low mortgage rates present a variety of opportunities
Courtesy Landmark Bank, Texoma LIVING WELL Magazine

Average rates for 30-year and 15-year fixed mortgages fell to new record lows this spring. Mortgage buyer Freddie Mac reported that the average interest rate on 30-year loans fell to 3.84%, lowest since long-term mortgages began in the 1950s. […]