MENU Financial Articles Financial education is key to a strong financial future. Are you looking to buy a new vehicle, refinance your home, review your insurance options, or focus on retirement planning? These financial articles can help you make smart decisions. Money Talks: Borrowing Money November 9, 2021 What is is credit and why is it important? What does it mean to be in debt? In what instances should you use credit? Find answers to these important questions, key words, conversation starters, and real world applications to start talking to your family about borrowing money and credit cards. READ MORE Money Talks: How to Protect Your Money November 9, 2021 What is identity theft? What might someone do with stolen personal data? How do you protect your identity online? Find answers to these important questions, key words, conversation starters, and real world applications to start talking to your family about protecting themselves and their finances from scammers. READ MORE Money Talks: Where To Keep Your Money October 14, 2021 What’s the difference between a checking and savings account? Which type of account should you pick? How do you open an account? Find answers to these important questions, key words, conversation starters, and real world applications to start talking to your famiily about saving and spending. READ MORE 10 Tips to Help Seniors Outsmart Financial Scams October 13, 2021 When it comes to financial scams, education is the first line of defense. Scam artists prey on the elderly, especially in times of crisis, in order to get them to divulge confidential information or to exploit them financially. The American Bankers Association has provided 10 important tips inspire savvy seniors. READ MORE Understand Your Credit Score and How It Affects The Cost of a Mortgage Loan September 16, 2021 Your credit, your credit scores, and how wisely you shop for a loan that best fits your needs have a significant impact on your mortgage interest rate and the fees you pay. READ MORE Insuring Your College Student September 1, 2021 When your child leaves for college, it is a big event. One thing that you should think about is your insurance coverage and how it could change with your son or daughter away at school. Be proactive about your student’s coverage by taking several factors into consideration. READ MORE 5 Important Questions When Choosing Your First Home August 23, 2021 Moving into your own place can be exciting and frightening at the same time. The American Bankers Association suggests considering the following questions when choosing your own home. READ MORE What Does Affordable Mean to You When Considering Your Housing Costs? August 12, 2021 Expressing your thoughts and feelings about how you view affordable is a big step in the right direction when considering a mortgage loan. Only you can decide how much you are comfortable paying for your housing each month. READ MORE Start Your Financial Plan With a Budget July 22, 2021 Having a plan is the best start to financial success, with the first step being to create a budget! The key is to include as much information as you can, so that you can adequately prepare and plan. Include income, expenses, and how much you should be spending before putting it in writing and evaluating how well you're doing. Use the following guidelines from the American Bankers' Association Foundation to get started! READ MORE Tips to Save Money with a Green Home July 9, 2021 Whether you’re a renter or a homeowner, chances are you care about protecting the environment – and saving money. Here are some tips to help you do both. READ MORE German American Financial Literacy Bee Winning Essays June 18, 2021 During Financial Literacy Month, German American Bank partnered with leading education technology company EVERFI to host the second annual Financial Literacy Bee. Four regional winner were named, each to receive a $500 savings account from German American Bank. Read the capstone essays of the winners who shared a short-term or long-term savings goal and outlined a plan for how to get there. READ MORE New Home To-Do List: Six Things to Consider June 11, 2021 When settling in to your new home, there are some important things you need to consider. ABA Foundation recommends the following tips. READ MORE Important Mortgage Terms for New Home Buyers May 6, 2021 Brush up on your mortgage knowledge by learning the definitions of these common home-buying terms. READ MORE Navigating the Mortgage Process when Purchasing your First Home April 19, 2021 Searching for your first home can be an exhilarating, yet overwhelming time in your life. If you are having trouble with where to start, you are not alone. With some guidance and organization, German American can help you be on your way to owning your first home. Here are some simple steps to get you started. READ MORE IRS issues warning about Coronavirus-related scams; watch out for schemes tied to economic impact payments April 2, 2020 The Internal Revenue Service today urged taxpayers to be on the lookout for a surge of calls and email phishing attempts about the Coronavirus, or COVID-19. These contacts can lead to tax-related fraud and identity theft. READ MORE Start Saving In The New Year December 16, 2019 With the new year upon us, you may be thinking about your resolutions. Give the current-and-future versions of yourself a gift and add “Build My Savings” to your list. The FDIC Consumer News compiled the below top five savings ideas that will help you to get started! READ MORE Common Holiday Phishing Attacks November 25, 2019 The holiday season brings with it festivities and all kinds of electronic communications related to holiday greetings, shopping, travel, shipping, and parties. Unfortunately, it also brings opportunities for malicious actors to send spam and phishing emails. READ MORE Setting Financial Goals August 15, 2019 Deciding how much money to spend or save takes some planning for what you would like to buy and when. When it comes to setting financial goals it helps to make a list of what you would like to have now and in the future along with how much it costs. To figure out how long it will take to get what you want, it helps to consider how much money you make. READ MORE Needs vs. Wants July 11, 2019 The American dream is to work hard and have a plentiful, peaceful life for our family. What that looks like and how we get there is different for each person. When faced with a spending decision, knowing if what you are buying is a need or a nice to have can help. We have to spend money on needs, but wants are important to spend money on too. Some responsible things to consider are when to spend and how much. READ MORE Romance Fraud (Or Online Dating Scams) May 22, 2019 As online dating has become more common, there has also been an increase in scams targeting users of online dating sites. A romance scam is a trick where someone pretends to have romantic feelings for a victim, gains their trust, and then uses that relationship to commit fraud. Usually, the crook misleads a victim online and then talks the victim into sending money, sharing personal and financial information, or laundering money for the crook. READ MORE Ways to Create Extra Money for Savings April 30, 2019 Without an emergency fund, there is no money to cover unexpected expenses like car repairs or medical bills. However, by taking a look at your current spending habits and setting a saving goal, building a nest egg is a real possibility. Here are some ideas to help free up your money for savings. READ MORE Distracted Driving | Tips to Keep you Safe on the Road April 16, 2019 April is Distracted Driving Awareness Month. When looking at the staggering statistics of distracted driving traffic accidents and deaths, one realizes distracted driving is deadly. To promote safe driving and raise awareness, our German American Insurance team came up with a few safe driving tips! READ MORE 4 Fraud Prevention Tips for Email January 31, 2019 When using e-mail for personal or business use, always exercise caution. The following 4 tips are from German American’s Security Team experts to help you detect, and avoid, fraudulent e-mails. READ MORE Tips for the Season of Holiday Spending November 29, 2018 The holidays can be a wonderful time of year, surrounded by family and friends, yet the season of giving can often mean the season of spending…and maybe even overspending. Here are three tips to help you navigate the holiday season within your budget. READ MORE Auto Insurance Trends Affecting Auto Insurance: What You Need to Know March 6, 2018 Beep. Beep. Look out! New auto insurance trends are coming through. Read on to understand what may be affecting auto insurance premiums in 2018. READ MORE How to Safeguard Your Home from Water Damage February 16, 2018 Rain, rain, go away... We can't control the weather, yet we can prepare for it, which is key to prevent potential water damage to your home. Follow the suggestions below to ensure your home is rain ready. READ MORE Coverage For Renting Out Your Home January 24, 2018 There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. READ MORE Oh Dear | Tips to Remember for Deer-Car Collisions September 28, 2017 With harvest season among us, the risk of hitting a deer increases in the fall and winter. Unfortunately, I have recently fell victim to hitting a deer of my own. Many of us don't expect to be hit with this situation, yet it is always good to be prepared with what you would do. READ MORE Managing Your Money Through College August 14, 2017 Prior to becoming a college student, I didn’t really do much of my own banking besides a deposit or withdrawal here or there. However, when I went to college, I knew that I was going to be on my own with managing my money. READ MORE What to do with Your Graduation Money? June 14, 2017 Graduates: Congratulations! You have officially graduated which means that you may be sitting on a stack of cash that was given to you from your parents, grandparents, family, and friends. Check out the link for 3 Ideas of what to do with that extra graduation cash before it burns a hole in your pocket. READ MORE Tips to Teach Young Children to Save in the Digital Age June 14, 2017 More and more people are using online and mobile channels to pay bills and pay people, manage their financial accounts and make purchases. Are the days of teaching children to save money with the iconic piggy bank obsolete? We think not. READ MORE How to Decide How Much Auto Insurance You Need June 13, 2017 While the minimum limits may provide the cheapest rate in the short term, they don't provide ample protection for what you value most. READ MORE Tips to Keep Your Home Safe During Storms June 13, 2017 Clear rain gutters, repair roof leaks and cut away tree branches that could fall on a house, barn, shed, or other structure during a storm... READ MORE Auto Insurance Savings Tips for Students June 13, 2017 If you own a vehicle, insurance coverage is a must – even for students. Purchasing an insurance plan that gives you the best protection, yet is affordable, may seem a daunting task especially for students on a tight budget. Most insurance carriers offer cost advantages for students. Here are a few tips to consider. READ MORE Sidebar Content" TOOLS & RESOURCES Calculators Switch Kit Financial Insights Financial Education Security Chip Cards Manage My Credit Card SecurLOCK Communicate FAQs ITMs Online Check Reorder ShieldPerks Benefits Related Content" If you have any questions, we have the answers. 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