In 2011, Nicolet Bank delivered a high interest checking account to our customers. This was at a time when most large banks were adding monthly maintenance fees to their checking accounts. As usual, it was a smart move for us to zig, when others zagged. We currently have thousands of customers who have the opportunity …
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Simplifying Processes Gives Nicolet Bank a Hometown Feel Nicolet National Bank’s personal bankers provide the link between good, old-fashioned hometown banking and the array of products and technological services available in today’s financial world. It is this focus on individualized service that creates long-lasting relationships between personal bankers and their customers. “We believe exceptional customer …
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First, let’s understand how your credit score is determined. Your credit score is broken down into five categories weighted accordingly… Payment history = 35%… Total Amount Owed = 30%… Length of Credit History = 15%… New Credit = 10%… Type of Credit in use = 10%. MAKE YOUR PAYMENTS ON TIME! This is the most …
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The latest Investment Strategy Commentary from our partners at Northern Trust focuses on the 2015 outlook. 2015 Outlook
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When you owe the bank a little, they own you. When you owe the bank a lot you own them. Every seasoned lender knows the borrower holds the power when both parties understand the bank cannot afford the borrower’s failure. The loan documents still read as if the bank holds the cards, but the Musky …
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I would rather be hated for what I think than loved for what I do not. I have particularly sought to put this slightly modified maxim into action in recent years. The public is so confused and edgy, that I recently managed to anger people on the right and the left by comments I offered …
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CNN ran a hard hitting series last week on “Broken Government”. Since advertising funds broadcast content it is a good window into the mind of the audience. In this case, it was free credit reports, sleep aids and retirement plans. People are clearly having trouble sleeping. They are worried about their credit scores and their …
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UPDATE: As Chairman of the Wisconsin Bankers Association (WBA) Trust Section Board, I find it unacceptable on behalf of our customers that the state of Wisconsin has not adopted the 2010 federal law amendment allowing any IRA owner to convert his or her Traditional IRA to a Roth IRA regardless of income level. I’m afraid …
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Here is a conversation that we are having with our clients. I thought it was important to share this information. I’m sure you knew that in the 2010 the federal law was amended to allow conversions of traditional IRA’s to Roth IRA’s regardless of the income levels of the IRA owner. The current modified adjusted …
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