Dollars & Sense

Want more detailed information on loans, renting vs. buying, credit scores, or finances? Check out Heartland Bank's blog! We update with new information often.

Philanthropy and Your IRA

September 06th, 2019


Minors and Estate Planning

September 06th, 2019

Reportedly, only one-third of parents with a minor child have a will in place. One obstacle seems to be the naming of a guardian for the child in the event that a parent dies while the child is a minor.


Money and the Single Senior

September 06th, 2019

Facts of life: Most retirees will be single for some period of time, and most of those singles will be women. Throughout the life cycle, financial planning for singles differs from planning for couples. Obviously, there is only a single set of assets to work with, and no surviving spouse to plan for. Less obviously, taxes are higher for singles, and they have no partner to fall back upon in case of adversity.


Everyone Needs a Will

May 31st, 2019

As important as estate planning is, that has long been a hard sell for most Americans. A 2017 survey by Caring.com revealed that only 42% of U.S. adults had a will or a living trust in place.



How to Avoid Romance Scams

May 15th, 2019

People looking for romance are hoping to be swept off their feet, not caught up in a scam. Stay safe with a few helpful tips.



Strategies to Reduce Debt

May 07th, 2019

Paying down debt is possible when you know what you owe and what you can do to repay it. Develop a debt reduction strategy that works with your finances.


6 Credit Mistakes that Could Be Costing You Money

May 07th, 2019

When it comes to credit, you may be making mistakes that are costing you money in the long run. Avoid these six financial pitfalls.


6 Helpful Home Buying Considerations

May 06th, 2019

Buying a new home this spring? Check out these six helpful considerations you shouldn’t overlook before make an offer!