These days, parents must think about how to keep their children safe online. It's a good idea to check app settings on kids’ phones to be sure that they’re not knowingly or unknowingly sharing things like age, address and phone number etc. when posting to social media.

For many homeowners, refinancing can be a smart move. However, before you decide to refinance your mortgage. Contact a mortgage loan officer at Horizon Bank who can help you review your options and determine whether refinancing makes sense for you