Blog

When making a decision about purchasing your next residence, have you ever been conflicted over whether you should build a new home or purchase a new or pre-owned home? Either of these options provide for a unique opportunity as you consider your next home. Below are a few thoughts which you may wish to consider[…]  Read more

Have you ever thought about what you would do if you became a victim of check fraud and how it would affect the daily operations of your business? Or are you one of millions that it has already happened to? Today, it is not a mere question of IF it has happened to you but WHEN[…]  Read more

Today, the “information age” style of electronic communication through email, mobile technology, and social media is transforming our lives at warp speed, both individually and in the business world.   Business owners and leaders are now saddled with the responsibility of how to define, prioritize, and manage the effective usage of these delivery systems within the business[…]  Read more

Investors who own a business or investment property will have concerns related to selling their property and the resulting tax effects on any capital gain. One relief from this tax concern is to take advantage of a section of the IRS tax code commonly referred to as a 1031 like-kind exchange. Section 1031 of the[…]  Read more

“You Above All.” It sounds simple, concise and self-explanatory, but why is one of the fastest growing banks in the nation using this language while the rest of the banking community seems stuck on things such as Free Checking and well, Free Checking? You may have noticed that last month FirstCapital Bank of Texas chose[…]  Read more

Don’t you wish that when you were in school you learned something about credit and how to use it responsibly?  Whether it be how to compare different financing options, how to ensure you are creditworthy or simply what to look out for when credit card offers start to fill your mailbox.  Wouldn’t that have been[…]  Read more

I attended the American Bankers Association’s annual convention in Dallas last week. I had the opportunity to listen to a three-member panel of millennials speak to a crowd of about 1,200 bankers from all over the country about what millennials look for from their bank and what they look for when deciding who to go[…]  Read more

Digital Assets? You know those thousands of photos on your phone, iPad or in the cloud. Those video games, music, movies and books that you purchased for the ease of retrieval from you electronic device. How about that manuscript you prepared for eventual book publishing or that special idea or design waiting on a US[…]  Read more

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

In this third installment of “Managing Your Financial Health,” let’s discuss what basic information you will need when you meet with your banker for a business loan. Some of the items below will be actual documentation and some will be verbal discussion items.   Whether you have arranged to meet with your banker at your place[…]  Read more