Warren County’s Centennial 4-H Fair is officially in the record books after a busy couple weeks to hold all of the events and then certify the judging results. Jean Akers, the director of the 4-H and Health and Human Services Education has been with the Purdue Extension Service for 22 years.

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The winners of the Wabash River Conference tennis match and track meet were recently announced. According to a press release, they were all honored as members of the All-Conference Team at the…

On behalf of the Bud Hershberger Family and Veedersburg Masonic Lodge 491 F. and A.M. We would like to thank those who donated money in his memory to our lodge. It will be used wisely, as we are very grateful. Bud was a fifty year member.

What does the Democratic Party in Washington stand for, lets see. Abortion, open borders, murders, rapes, sex trafficking and drugs coming across our border. The drugs alone have killed over 30,000 U.S. citizens. They refuse to fix our broken immigration laws which is bringing in thousands o…

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MoneyTips


By Dawn Springer

Mortgage rates may be rising but there's still room to refinance your home loan. You might have heard much said about the constant rise of interest rates over the past year, with some blaming that for a recent dip in home sales. Yet mortgage rates remain near record lows, presenting an opportunity for homeowners to save on their monthly mortgage payment if they buy now.

As it stands, the average rate on a thirty-year fixed rate mortgage is 4.07%. Some expect it to move higher, potentially reaching 5% next year. It means that the clock is ticking for homeowners thinking about refinancing. However, it doesn't mean they should rush through the process, making costly mistakes along the way. There are a few different methods and tricks of the trade that can help you refinance your mortgage for greater savings.

From knowing your credit score to comparison shopping, we...

5 Reasons To Refinance Now

Refinance 101

Video: When Should You Refinance Your Mortgage?

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MoneyTips


By Laurence Jankelow, cofounder at Avail

Whether you've owned your two-flat duplex for years or you're trying to decide whether real estate is the right addition to your portfolio, it's important to think of rental property as an investment. Like any investment, your goal should be to maximize returns.

You don't need to predict which neighborhood in town is about to see skyrocketing home values. Instead you should buy a property that has a lot to offer tenants – over time, sustained revenue from rentals is a savvy way to earn money.

Once you have the property, you'll need to know how to manage it successfully, from repairs to tax payments. In this post, I'll outline four strategies to help you maximize your ROI.

1. Take the Time to Invest Wisely

When looking for an investment property, it's important to consider its location, amenities, and construction quality. You should also look for a property that's already fully rented. I...

Using LLCs for Real Estate Investing

Is An LLC Right For You?

Real Estate Investment Trusts 101

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MoneyTips

Even though retiring is the furthest thing from the minds of most twenty-somethings, you need to invest sooner, rather than later for one reason – you have an advantage over everyone else: time. Time to let your money grow exponentially. There is a reason Albert Einstein is credited with calling compound interest "the 8th wonder of the world." It can work either for you or against you. Those who understand it, earn it. Those who don't, pay it. Let me elaborate.

To understand truly how time affects money, let's look at Einstein's Rule of 72. This rule shows how long it will take to double your money, based on an anticipated interest rate. It's really easy to figure out and super-important to understand. In my opinion, it's one of the most important things to learn and apply throughout your life. For example, if you were to earn a 4% return on your money, it would take 18 years to d...

Why Your Children Need Their Own Roth IRA Now

Retirement Savings Better Than Ever

Baby Boomers Not Ready For Retirement

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MoneyTips

Congratulations! You've made it through college and are looking forward to using your new skills in the real world. Here's our gift to help you start your journey – a copy of your credit report.

If you aren't familiar with your credit report and how it works, now's the time to check it out.

Your credit report is a collection of all of your borrowing activities. Whenever you borrow money and make payments (or miss them), your creditors report that information to the three major credit reporting agencies (TransUnion, Experian, and Equifax). If you have part of America's nearly $1.5 trillion in student loans, your repayment record will show up here. Your future credit cards and loans will show up here, too.

The credit reporting agencies use your credit report information to calculate your credit score – a single number between 300 and 850 that tells creditors how risky it i...

5 Credit Tips For New College Grads

Five Fun Financial Facts: College Graduation - #1

Student Loan Refinance Can Save You Thousands

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MoneyTips

Congratulations! You've just finished paying off your mortgage – probably the largest debt you'll ever have in your life. Should you expect your credit score to increase as a result? Not necessarily.

Your credit score is calculated from your credit report, a history of all of your borrowing and payment activity. While your mortgage was probably a huge part of that history, it's just one part. Credit reports also consider other installment loans, your credit card payments, and any payments for non-borrowing related charges (like cable or utility bills) that have gone into collections. Every account matters and contributes to your credit score.

Consider the factors that go into calculating a credit score, starting with payment history – the most influential factor. Mortgages require regular payments for a long time. With those payments removed, that's one less regular payment that proves you...

How To Accelerate Mortgage Payments

Video: When To Accept Mortgage Prepayment Penalties

Understanding Mortgage Prepayment

If you’ve ever been a pet parent you know animals love to explore and taste just about everything in their path. Unfortunately, there are things at home that our furry friends shouldn’t eat. In fact, according to the ASPCA in 2018, the Animal Poison Control Center (APCC) received an average of 1,200 calls daily and assisted 266,554 animals.

According to the Oxford Dictionary, a boundary is defined as “a line that marks the limits of an area.” In more straightforward terms, it’s the line you clearly draw so that others know not to cross it. Boundaries are essential to healthy relationships, whether that’s among friends, within the workplace or in a romantic partnership.

Root canals and comedy clubs. It’s true that one is significantly more pleasant than the other, but they share the same goal: To put a smile on your face. There is another commonality. Both are among the patient services at Brockport Smiles, a dental office with a fresh approach to patient care and oral health.

WASHINGTON - The Democratic Party opened its 2020 presidential debates with a remarkably policy-focused exchange that illustrated how consistently to the left it has moved. For the night, at least, this was Elizabeth Warren's party. The Democratic senator from Massachusetts, who entered the debate with momentum behind her campaign, set the tone and dominated the early part of the debate, which ...

All 10 performers had a role to play Wednesday on Night 1 of the first Democratic primary debates of the 2020 campaign. Elizabeth Warren was the one to beat. Julian Castro came in as a side character, but quickly emerged as the breakthrough surprise. And New York Mayor Bill de Blasio made himself useful as a pot-stirrer, instigating more than one argument. But there was one common denominator ...

MIAMI - At the top of the second hour of the first Democratic debate, the questions turned to guns, an especially wrenching issue for voters in Florida, who experienced the massacre at Marjory Stoneman Douglas High School in Parkland. Julian Castro, former secretary of housing and urban development and former mayor of San Antonio, praised "the activists of Parkland, the folks from Moms Demand ...

MIAMI - Beto O'Rourke was answering a question about raising taxes on the rich when he suddenly stopped speaking English early in the first Democratic presidential debate. "Necesitamos incluir cada persona en el exito de este economia," he said, befuddling rivals and television viewers who don't speak Spanish. His accent and grammar received mixed reviews online. "We need to include every ...