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General Insurance Services: Small Companies Can Self-Fund Too

General-Insurance-Services-Small-Companies-Can-Self-Fund-Too

Think your company is too small to self-fund your health insurance plan? Well think again.

I actually have a client that self-funds with only six employees. Granted, the process is somewhat different than it would be for the big guns, like General Electric or American Airlines. But for most companies, it’s a path to better controlling your health care costs and keeping your employees healthier.

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Marc Ruiz of Oak Partners, Mind on Money: Global Debt Level Raises Concerns

Marc-Ruiz

The International Monetary Fund, or IMF, conducted its 2018 spring meeting in Washington, D.C. last week. The meeting was accompanied by some high profile interviews with IMF Managing Director Christine Lagarde.

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Horizon Bancorp Announces Record Quarterly Earnings in 2018

Horizon-Large-2017

Horizon Bancorp (“Horizon” or the “Company”) today announced its unaudited financial results for the three-month period ended March 31, 2018.

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Record Quarterly Earnings at 1st Source Corporation, Company Grows to Over $6 Billion, Increase in Cash Dividend


rot31st Source Corporation (NASDAQ: SRCE), parent company of 1st Source Bank, today reported a record high net income of $19.12 million for the first quarter of 2018, an improvement of 17.96% compared to $16.21 million reported in the first quarter a year ago. Income before taxes was $25.00 million compared to $24.92 million in the first quarter of 2017. The pretax income comparison was positively impacted by increased net interest income of $6.81 million primarily due to rising lending rates, higher average loan and lease balances and the recognition of a $0.62 million unaccreted purchase discount from an early loan payoff. These positives were offset by a $2.79 million increase in the provision for loan and lease losses to support loan and lease growth and a $4.44 million rise in noninterest expense. Non-recurring first quarter 2018 costs were approximately...

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Marc Ruiz of Oak Partners, Mind on Money: Dealing With College Costs

Marc-Ruiz

The game wasn’t going my way. Although I didn’t really have a dog in this fight, I typically root for our Big Ten cousins in national games, and the Wolverines had lost all momentum early in the second half.

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Marc Ruiz of Oak Partners, Mind on Money: Approaching the End of an Era

Marc-Ruiz

As the world’s largest debtor, without doubt the biggest beneficiary of the low interest rate environment of the past 10 or so years has been the U.S. federal government.

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Decrypting the Cryptocurrency: Making Sense of Bitcoin

Bitcoin

Bitcoin. That simple word has caused quite a stir recently, leading to many to ask the question: What is it?

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1st Source Bank Is Now Hiring in La Porte and Porter Counties


1st-Source-Bank-Is-Now-Hiring-in-LaPorte-and-Porter-CountiesAt 1st Source Bank, we hire the best talent. If you are ambitious and want to work for a bank that has integrity and exceptional client service, join our team!

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Marc Ruiz of Oak Partners, Mind on Money: A Market Correction, or the Start of a Bear Market?

Marc-Ruiz

Here we go again. Investors had clearly been lulled into complacency by the seemingly unidirectional US stock market. And how can we blame them? It had been over 550 trading days since the S&P 500 index had experienced a daily decline of 5 percent or more. For some, that's practically an investing lifetime.

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Marc Ruiz of Oak Partners, Mind on Money: Corporate Tax Reform Offers Exciting Possibilities

Marc-Ruiz

As I wrote a few months ago, I was a bit underwhelmed by the tax reform legislation passed last year. On the personal income tax side of the law, while I liked the expansion of the standard deduction, the retention of seven progressive income brackets seems absurd. I would have liked the income tax code to become flatter and simplified and these items certainly weren’t achieved.

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Marc Ruiz of Oak Partners, Mind on Money: High Expectations Mean Investors Want Innovation and Revenue Growth

Marc-Ruiz

I like craft beer. As anyone who is either a beer geek, or even worse has a beer geek in their life, knows, part of the beer geek experience is dealing with scarcity. There always seems to be a recently released, hard to find beer which is just supposed to be great and everyone wants. Often times only the lucky few will obtain the special beer, which they will then either hoard in their "cellar" or share triumphantly with their friends.

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