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Time: Make the Most of It!

Posted by Lacie McDowell

Time – isn’t that always something we are asking for more of? 86,400: that is how many seconds we are given in a day to get as much accomplished as we can. As all of our schedules get busier and busier every year, I am constantly hearing people say, “If I only had more time.” In what[…]  Read more

 
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The Culture Series – Leave Mediocrity in the Dust

Posted by FirstCapital Bank of Texas

In a recent blog, I discussed sharing a vision amongst your team. A clear and unified vision is so important– it tells employees what is expected and why we “do what we do”. Once a vision is set and you have buy-in from the entire team, it’s time to get everyone speaking the same culture language. (Note:[…]  Read more

 
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Maintain Good Financial Health Through Regular Credit and Financial Checkups

Posted by Greg Burgess

Do you have a habit of checking your credit report on at least an annual basis? This is more important than ever today, especially as identity theft continues to increase. Thankfully, it is easier than ever to perform this very important review. You can obtain a free credit report once annually through credit services such[…]  Read more

 
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Reach Out and Talk to Your Banker

Posted by FirstCapital Bank of Texas

Have you ever been here?  A week late on your loan payment…fourth day of being overdrawn on your checking account?  All you need is one more week and you’ll get it all together.  You’ll get caught up and be ready to make the next payment…just give you oooone more week.  In the meantime, you’re just[…]  Read more

 
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Financing Your Dream Home Lot

Posted by Brad Burgess

Once you have made the decision to build your “Dream Home” the first step is to decide which lot to build upon. Your builder of choice may have an inventory of lots for you to choose from or he/she may help you negotiate for a lot in a neighborhood of your choice. If this option[…]  Read more

 
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401K – Your Preferred Investment Vehicle

Posted by Jay Isaacs

Employer sponsored 401K plans have been in place for many years now. For a majority of investors across America, the 401K plan is the primary and preferred method of investing for your retirement. In years past, an individual could count on Social Security, employer provided pension plans and personal savings for meeting retirement needs. In today’s[…]  Read more

 
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The Culture Series – Why Corporate Culture Matters

Posted by FirstCapital Bank of Texas

Culture. I have spent an immense amount of time over the past several years thinking about this term. In helping build a culture program here at FirstCapital Bank, redefining and launching our new brand, the word “culture” has undoubtedly become a part of my daily vocabulary. But what is it? Okay, I’ll do the cliché[…]  Read more

 
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IRAs: Which choice is right for you?

Posted by Jay Isaacs

Roth vs. Traditional IRAs Individual retirement accounts (IRAs) are a fabulous way to save for your future retirement years and the financial safety of your family. Today, we have essentially two forms of retirement accounts, Roth and Traditional. While having choices may be viewed as a benefit, each investor must understand the many considerations in order[…]  Read more

 
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Customer Service – Put the focus back to where it should be.

Posted by Greg Burgess

Have you ever had to deal with a business person who seemed confused about customer service? Confused about who was supposed to be the point of their business focus; confused about whose needs or interests were the primary reason for the interaction; confused about who was really there to serve who? Make no mistake, bankers[…]  Read more

 
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Small Business Lending: The Importance of Working Capital

Posted by Brad Burgess

In my last communication regarding the steps to opening a small business, a simple guideline was provided to help you get started in opening a new small business. Once open, the principals of the business have likely injected a significant amount of their own personal cash into the business and, many times, the financing package includes[…]  Read more