In the financial world, there are a lot of rules about what you should be doing. In theory, they sound reasonable. But in practice, it may not be easy, or even possible, to follow them. This week's Home Page Story will share some of these common "Financial Wisdom" tips to help separate theory and practice. We hope you find this information helpful!

Learn when and how to best use your home equity loan or line of credit

The equity in your home can be used for a variety of things, including home improvements, car loans and debt consolidation. But, it's not limited to just that. Homeowners can use the equity they build in their homes to pay for any purchase they want. Whether you've opted for the fixed-rate, lump sum home equity loan or a revolving home equity line of credit, you should carefully consider how you utilize these funds since you are using your home as collateral.

Heartland Bank is pleased to announce improvements to our credit card program. With EMV chip card technology, a modern new design, conversion from MasterCard to Visa, an updated rewards program and real time card activity via the secure portal on HeartlandBank.com, you’ll find that we remain committed to great service.

Heartland Bank and 104.9 The River have teamed up again this year to present the 9th annual Money Matters Free Financial Summit on Saturday, March 19. The First Baptist Church of Grove City will host the event again this year and we’re looking forward to providing attendees with a variety of seminars n how to better manage their finances and plan for the future.

Sometimes, building a healthy cushion of savings can seem like a daunting task. We all know how easy it is to make a late credit card payment, or to end up spending all of your paycheck without remembering to save part of it. One easy way to get started on saving this America Saves Week is to automate your savings. Having technology work to save money for you takes much of the effort out of the equation, saves time, and makes it easier for you to achieve your goals.