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When a massive storm system cut off all power into Huntsville, Ala., in April 2011, 340,000 people went without power for a grueling six days. Hurricane Katrina, the most destructive storm in U.S. history, left 1.7 million people without power — some spent weeks in the dark. And in October 2012, super storm Sandy severed [...]

The post Prepare for a power outage appeared first on Horizon Bank blog.

Good Guys Collision of Merrillville, is a company that prides itself on outstanding work and exceptional service. As one of three founding partners in the company, Clay Moser’s hope was to combine his mechanical knowledge and people skills to build a business on the foundation of outstanding service. “I turned 50 right about that time and [...]

The post Business Spotlight Good Guys Collision – Merrillville, Indiana appeared first on Horizon Bank blog.

Getting out of debt is often not an easy task. If you have a sizable amount of debt, it’s likely that just making one small adjustment isn’t going to get rid of it completely. Often a combination of several approaches is needed to make significant progress toward being debt-free. Here are some great ways to [...]

The post 6 ways to get out of debt appeared first on Horizon Bank blog.

As you progress along your career path, there’s no telling how far you’ll go. But to fully reap the financial rewards of all your hard work, you’ll need to take charge of your own career–here are a few issues you’ll want to pay close attention to. Salary and career advancement Having a well-paying job is [...]

The post Women and Work: Why Salary, Benefits, and Work-Life Balance Count appeared first on Horizon Bank blog.

Whether you’re a current business owner or a budding entrepreneur burning with the next great idea, one of the most important steps you can take on your road to success is creating a business plan. Why? A well-thought-out and well-written business plan captures your vision, illustrates it for others (including potential lenders and investors), and creates [...]

The post A Business Plan Can Be Your Guide to Growth appeared first on Horizon Bank blog.

For the second year in a row, Horizon Bancorp has been recognized with the Raymond James Community Bankers Cup. The award is given by Raymond James & Associates — a leading investment banking and financial advisory firm — to only the top 10 percent of U.S. community banks. To receive the award, community banks must [...]

The post Horizon Bancorp Awarded Raymond James Community Bankers Cup for Second Year in a Row appeared first on Horizon Bank blog.

  Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement because the age at which you apply for benefits will affect the amount you’ll receive. If you’re married, this decision can be especially complicated because you and your spouse will need to plan together, taking into account [...]

The post Social Security Claiming Strategies for Married Couples appeared first on Horizon Bank blog.

  Do you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That’s where financial planning comes in. Financial planning is a process that can help you reach your goals [...]

The post Financial Planning– Helping You See the Big Picture appeared first on Horizon Bank blog.

At a time when your career is reaching a peak and you are looking ahead to your  own retirement, you may find yourself in the position of having to help your children with college expenses or the financial challenges of young adulthood while at the same time looking after the needs of your aging parents. [...]

The post Women: Living in the Sandwich Generation appeared first on Horizon Bank blog.

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.

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