Through our comprehensive personal banking products, we empower you to get what you need when you need it, banking from anywhere while saving for you and your family's future.
Through our comprehensive business banking products, we enable your business or organization to grow quickly, while empowering you to take charge of your company's finances.
Through comprehensive investment products, we ensure that you and your loved ones' goals for the future are provided for.
Horizon is a community bank serving Northern and Central Indiana and Southwest Michigan. Our focus is to anticipate and fulfill customer needs with exceptional service and sensible advice. This philosophy is what has kept us operating under our original charter and growing stronger than ever since 1873.
Since the 1990s, the 4 percent rule of retirement withdrawal has been a guiding light in estimating whether investors will have enough money to last the rest of their lives. This rule states that you should withdraw no more than 4 percent from your retirement savings every year during retirement. But economic conditions and market [...]
The post Is the 4 percent rule still valid? appeared first on Horizon Bank blog.
You can handle one low monthly payment, right? What about when one low monthly payment turns into several monthly payments? From cars to furniture, advertisers like to point out how their product can be yours if you can make an “easy” monthly payment. Looked at individually, these monthly payments can often seem very affordable. But [...]
The post How monthly payments add up appeared first on Horizon Bank blog.
At Horizon Bank, we can help you save “green” in more ways than one. Not only do we help you save money safely, but we also do our part to be environmentally friendly. Here are ways that our products and services help us all be green while saving green: • eStatements — Instead of receiving [...]
The post It’s easy being green with us! appeared first on Horizon Bank blog.
Reducing spending doesn’t have to be a painful or negative experience. Here are some simple ways you can cut your spending this week without dramatically changing your lifestyle: Track your expenses. The first step to altering spending habits is to determine where your money is currently going. Seeing how you are currently spending may reveal [...]
The post 10 ways to reduce spending this week appeared first on Horizon Bank blog.
With the dawn of another January, and credit card statements beginning to reveal the full extent of holiday shopping damage, now is the time when many Americans become serious about living within their means for the year ahead. Unfortunately, for many of us, spending decisions of the past mean we have some cleaning up to [...]
The post Achieve Financial Responsibility in 2014 appeared first on Horizon Bank blog.
Rather than waiting until a few days (or the day!) before the tax-filing deadline, start organizing your paperwork now. After all, the earlier you file, the earlier you’ll get your refund — if you’re entitled to one. And if you end up owing the IRS money, at least you can file on time and avoid [...]
The post Organizing paperwork makes tax time easier appeared first on Horizon Bank blog.
You don’t want to pay any more in tax than you have to. That means taking advantage of every strategy, deduction, and credit that you’re entitled to. However, the window of opportunity for many tax-saving moves closes on December 31, so it’s important to evaluate your tax situation now, while there’s still time to affect [...]
The post 2013 Year-End Tax Planning Basics appeared first on Horizon Bank blog.
When you determine how much income you’ll need in retirement, you may base your projection on the type of lifestyle you plan to have and when you want to retire. However, as you grow closer to retirement, you may discover that your income won’t be enough to meet your needs. If you find yourself in [...]
The post Closing a Retirement Income Gap appeared first on Horizon Bank blog.
Every winter, cold temperatures seep in, often leaving you with high energy costs through the chilly months. Take control of your energy bills, all while going green! Try some of these easy switches this winter. Install a programmable thermostat. Installing a thermostat you can program allows you to lower the temperature while you sleep and [...]
The post Tired of the house heating blues? appeared first on Horizon Bank blog.
Online retail sales continue to grow, spurred on at least in part by consumers’ rapid adoption of smartphones and tablets. The sector was expected to reach $262 billion in 2013, and forecast to increase with a 10 percent compound annual growth rate through 2017, according to Forrester Research.* E-commerce could be a brilliant way to [...]
The post Ready to take your business online? Consider costs first appeared first on Horizon Bank blog.