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Starting a Business in Beloit, WI

There are plenty of reasons to consider starting a business in Beloit, WI. At the top of the list is the city’s central location. Greater Beloit is strategically situated at the center of the Midwest, which, of course, is the country’s largest market. As the Greater Beloit Economic Development Corporation (GBEDC) notes (and rightfully so), “With its strategic location and access to markets, Greater Beloit continually plays a big role in Wisconsin public economic development.”

Posted in: business, small

A Timeless Investment Philosophy

When an investor takes a proactive approach to their investment plan in three key areas, and is committed to sticking to their plan in negative markets, their investment returns will be significantly greater over the long-term.

Posted in: investing

by Steve Schou | FNBT Wealth Management Trust & Investments Officer

How to Calculate a Mortgage Payment

Buying a new home is probably the single largest expenditure most people make in their lifetime. It’s thrilling, but it can also be stressful. A good place to begin is to consult an online mortgage calculator to see how much home you can actually afford. Other important considerations include having a good to excellent credit score and a healthy debt-to-income ratio (DTI). Both indicators provide lenders with a picture of whether you’re a good lending risk and how much you’ll be able to afford to borrow — and comfortably pay back.

Posted in: mortgage

How to Build Your Credit Score

People are often surprised to learn what their credit score number is — and even more amazed to see how quickly their financial activity can cause it to go up or down. There’s no reason to track your score every day or even every week. Once a year is usually enough, but some experts suggest checking your credit once a month just to make sure you’re doing what you need to keep it “healthy.” And don’t worry, no matter how often you check it, all that peeking will not negatively impact your score.

Posted in: credit, score

Why Pay for a Qualified Retirement Planner Instead of Doing It Yourself?

In many all aspects of life, there are things we can do ourselves and other things we can’t.  If your taxes are simple; you can probably do them yourself, if they are more complicated, you go to a Certified Public Accountant (CPA).  If you cut yourself, you get a band-aid; but if you need stitches, you go to a doctor.  The same holds true for handling your finances.  In the early stages of accumulation for retirement, and you are maximizing your 401(k) contributions, Individual Retirement Accounts (IRAs), and you’re feeling comfortable with your investment selections; you may not need professional help.  The do-it-yourself approach may work well.  Usually, investment mistakes made during the accumulation years can be recovered over time.  However, investment mistakes closer to and in retirement become critical.  There is less time to recover from a wrong move. Too often, self-investing can lead to over concentration in bull markets, panic sales in bear markets, and lopsided investment strategies.

Posted in: investing, retirement

by Steve Schou | FNBT Wealth Management Trust & Investments Officer

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