Monthly Archives: November 2016

Community Banking: Why It’s a Wonderful Life

Community Banking

As the seasons begin to change, and the holidays approach, our team at Heartland Bank would like to share all the wonderful reasons we are grateful to be a community bank. Just like Mr. George Bailey, in the classic tale, It’s a Wonderful Life, we have found countless people and experiences that make our bank lucky to consider this community home:

It’s all About the People: Unlike the big banks of America, our small and locally-owned operation prides itself on putting our people first, making the success of our customers the bank’s number one priority. Just like the old Building and Loan, Heartland Bank strives to help our customers make their home ownership dreams become a reality.

Growth Engine for Small Business: We succeed when you succeed. Just as George Bailey invested funds in Mr. Martini’s home and business, Heartland Bank is here to offer advice and financing on your next home or commercial project. We want to help you and our hometown community grow, just like Bedford Falls.

Built on Long Lasting Relationships: The movie’s guardian Clarence, was a very wise man saying, “No man is a failure who has friends.” At Heartland Bank we pride ourselves on not only helping our customers with their finances, but also building relationships with them as well. If you have a question on how to budget, which retirement plans to look at, or other money management inquiries, consider us your friendly neighborhood adviser!

Community Backed: Instead of being underwritten by Mr. Potter, or other national big banks, our institution is built directly upon the needs and wants of our community’s citizens. With no higher ups attempting to monopolize the town, our dedicated team of officers works to build up the community, and the men and women who call it home.

Employees Local Citizens: Just like George and Uncle Billy, Heartland Bank is filled with fun and lovable characters. We take great pride in employing local citizens throughout our company, and helping them grow within the banking industry. If you’re looking for a new career, stop in and see if Heartland Bank is right for you!

Get to know all of us at Heartland Bank and discover how community banking can help you achieve a wonderful life. For everything from personal financing, to commercial lending, we have the perfect solution for you. Get started today and share your next financial goal with us, we’ll help you shoot for the moon!

4 Ways New Homeowners Can Save on Their Taxes


Becoming a homeowner is an exciting and trying time in your life. Once all the papers are signed, and the keys turned over, it all seems worth it. That is until a pipe bursts, lightning knocks out a tree, or your dog decides to burst through the screen door. Not all hope is lost however. In return for your endless work, and commitment to a never ending to-do list, the U.S. Government has provided four tax-based ways to reward you for your new home ownership. See how to take advantage of these four tax breaks, and make the most of your home purchase:

  • Early IRA Withdrawal: For many new homeowners, securing the initial down payment can be the first hurdle in their real estate journey. If you’re a first-time home buyer and have an IRA, or Roth IRA, the IRS will allow you to withdraw up to $10,000, penalty-free, to aide in the cost of your new dwelling!
  • Valuable Deductions: Between your mortgage interest, mortgage insurance, and real estate taxes, your home deductions could make a big dent in your taxable income. When preparing your taxes as a new homeowner, be sure to bring any mortgage documents, and escrow account information, to your tax professional to gain the full benefit of the deductions.
  • Renewable-Energy Tax Credit: Did you upgrade your home appliances to more efficient and environmentally-friendly options? Did you install a geothermal system in your home? If so, this helpful tax credit may be able to take a portion of that improvement cost out of your deductible income!
  • Tax-Free Profit on Sale: When you go to sell your home, the IRS allows you to avoid the capital gains tax on the profits you generate from the sale. This means that if your home’s value goes up $35,000 in the two or more years you live there, you are then able to retain the additional $35,000 your home is sold for without having to pay any taxes on those funds. One other major stipulation of this benefit is that in order to avoid the capital gains tax, you must purchase a new home as your primary residence within the next two years.

With these key homeowner tax breaks, the next thing to put on your to-do list is to make a plan for those tax refunds! If you have questions on how to best budget for your new home, don’t hesitate to stop in. We’d love to talk taxes, financing, or other improvement ideas you have for your home!

Low-Cost New Business Ideas

New Business

Creating a new business is an exciting journey filled with a constant flow of ups and downs. When deciding which industry to invest your time and money, consider these cost-effective options, courtesy of Heartland Bank:

Virtual Assistant: Needing a basic set-up of only a desk, computer, and phone, this affordable opportunity allows you to work from home, and establish your own hours. Start slow with one or two clients, and work your way up to a full-time schedule.

Medical Reporter: Quick typing skills and a high accuracy is all you need in this quick start-up. Speak with area hospitals and gain contracts for their on-location reporting. The higher your words per minute, the better!

Pet Groomer: Keeping dogs squeaky clean may sound like a lot of fun, but it can be tough work! With minimal startup costs, you can start your own service straight from home. By focusing your business on smaller dog breeds, you can minimize your cost, and maximize the number of clients you can maintain!

Freelance Writer or Photographer: Put your skills to use in this nomadic and highly flexible field. With an increasingly high amount of online publications, many magazines are searching for additional content and imagery to accompany them. Search the web for opportunities, and begin to build your digital content portfolio.

Event Planner: If arranging holiday parties and birthday celebrations sounds like fun to you, this could be your ideal career! Get started planning events for families and friends, and begin building your network of clients at each function. Once people start to see what you can do, you can begin to build your client list, and slowly fill your calendar with events and your pocketbook with revenue.

Wherever your passions take you, Heartland Bank will help you arrive safely! With our trusted business financing, we can help you and your budget stay on track. Stop by today to speak with one of our commercial lenders, and discover how to create your ideal cash flow.

Election Season – Go Vote!


Each year millions of Americans make their ways to their polls to cast their vote! Republican, Democrat, or Third Party, it is through this system that the American people make their voice heard. On November 8, 2016 the United States will elect the next leader of the free world. Don’t you want to have a say on the matter?

Since 1789 the United States has made democracy its priority and asked the people of this nation to choose a leader they deem worthy. George Washington was the first President elected in the United States, and over two centuries later, we are ready to elect the 45th President of the United States.

For the 2016 Elections there are three candidates that are available in every state.

(Listed in alphabetical order.)

Democrat: Hillary Clinton, United States Secretary of State

  • Pro-Choice
  • Pathway to Legal Citizenship
  • Keep Affordable Care Act
  • Higher Taxes on the Wealthy

Libertarian: Gary Johnson, Former Governor of New Mexico

  • Pro-Choice
  • Emphasis on 2nd Amendment Right
  • Keep Affordable Care Act
  • Consumption Tax

Republican: Donald Trump, American Businessman

  • Pro-Life
  • Emphasis on 2nd Amendment Right
  • Dismantle Affordable Care Act
  • Business Tax Incentives

In order to cast your vote, you need to either vote early at your designated polling station, or on November 8, 2016, go vote at your ward’s designated polling location.

You can find these locations by typing in on Google, “Where do I vote?” Google will then display your polling location based on you address, in addition to the ballot for your county.

No matter which candidate you choose, be sure your voice is heard, by going out and voting on November 8, 2016

Autumn Recipes Your Whole Family will Enjoy


The time for warm sweaters, cozy fires, and hearty food is finally here! With countless outdoor activities, your family is sure to work up an appetite! Discover these delectable and seasonal plates for any palette, courtesy of Heartland Bank.

Chili: This is a filling and tasty meal that can be served a variety of ways! On its own with cheese and crackers, a top of a baked potato, or as a condiment for a home cooked hot dog! No matter how you eat it, this belly warming dish is sure to be in your family’s top five!

BBQ Ribs: Create championship barbecue while you’re at work, with this scrumptious slow cooker recipe! The flavors of this down home dish will take you all the way to St. Louis in the first bite.

Pumpkin Oatmeal: The kids will be running downstairs for a bite of this seasonal breakfast! Both healthy and delicious, this fibrous food will keep them asking for more!

Chicken Noodle Soup: Warm up from the cold with this hearty homemade soup! Complete with boiled chicken, and sauteed vegetables, this at home recipe will make you forget all about those store bought soups.

Butternut and Spinach Lasagna: A new take on an old time classic, this innovative and delicious dish will have you coming back for seconds. With no meat added, this can be a great option for vegetarians as well!

Whether it’s a cold autumn night, or a feverous fall day, these delicious meals will keep your family happy and full! Tailor these recipes to your family’s likings by adding seasonal vegetables and regional seasonings. Give these dishes a try, and be sure to share your favorite on our Facebook page!