Banknotes Blog

Business Operations, Commercial Lending, Small Business, Business Banking

A Blueprint for Construction Loans

By: Paul Cardarella

If your business requires a physical location, one of the biggest dilemmas can be whether to build, buy, or rent. In truth, there is no one-size-fits-all answer to that question. The most important thing to remember is, the answer that's best for you and your business should be based on facts and not fear of the unknown.

Sarah Jacobson is the founder of ConfiDANCE.

Becky Allen is the owner of Win the Day Productions.

Interest rates may go up, prices may come back down. We simply cannot predict the future with any certainty. The best strategy is to just do what is best for your current business operations.

Choosing the right person to administer your estate can be hard. Many feel compelled to choose a family member, not realizing there are other, perhaps better, options.

As things continue to play out in ways both expected and unexpected in the markets and economy, we can’t really say that this is just what we thought would happen.

From supply chain issues to employee shortages, the challenges affecting every corner of commerce are also creating difficulties in the ag industry. Your local ag lender can help.

While economic uncertainties are beyond our control, we can be proactive by focusing on things that aren’t. Here are five moves you can make to benefit your retirement over the longer term.

State Bank of Cross Plains has an easy solution to greatly reduce the opportunity for check fraud from your business deposit account: Positive Pay.

When to file for Social Security should not be a one-size-fits-all proposition. Many factors come in to play, and your decision should not be made in a vacuum and certainly not based on a headline.

Jackie Hermes is the founder & CEO of Accelity.

Nancy Pautsch is the chief evangelist of stakeholder value at Envision IT.

Mika Marquart-Carpio is an attorney, a social media marketer, and a serial entrepreneur.

Joyce Marter is a renowned psychotherapist, keynote speaker & author.

If your business requires a physical location, one of the biggest dilemmas can be whether to build, buy, or rent. In truth, there is no one-size-fits-all answer to that question. The most important thing to remember is, the answer that's best for you and your business should be based on facts and not fear of the unknown.

Understanding your income versus liabilities is important when establishing a budget that works for you and your household. Winning at this means your finances win both today and in the future.

Normally, when a flight encounters turbulence, something outside of the airplane is the cause. That’s not the case with this Delta flight, however – the widespread variant of COVID-19 is causing strife in our society (mask mandates; less activity, like going out to eat; etc.) and could result in sustained disruption to our economy going forward.

Depositors know that the short-term rate environment continues to offer very few opportunities to earn interest on cash holdings. Although a bank money market account offers a safe place to keep funds with immediate availability, there are other alternatives a business might want to consider before parking excess capital there for the long term.

We’ve written about gift-card scams in this space before, but there’s a new one going around that’s taken a novel approach to the time-tested strategy. The following article discusses what that approach looks like in more depth, and can help you make sure that your money stays where it belongs: in your pocket.

If a prospect or client derives value from our conversation, that next meeting is probably assured. If not, there may not be a next time, or they will delegate us to a subordinate. Both are dead ends. Given that decision-influencer prospects & clients are time-starved and could easily fill their days twice over with meeting requests, why should they make time for us? The answer may be found in the "four pillars of value for time" upon which we need to intentionally draw: Insight, Perspective, Relevance, and Resilience.

Can you put a price on peace of mind? If you're a life insurance policyholder, chances are, you'd say yes. And if you're not, it may be time to reassess your situation.

Melissa Oftedahl and Katie Buell are the creative forces behind the food, fashion, and lifestyle blog Everyday M&K.

Sign Up For Our Newsletter

Wealthways Podcast

Wealthways is a casual, weekly conversation centered around female empowerment, moving upward, and all things wealth. Along with hosts Dawn Mullarney & Jane Simon, guests explore their own definitions of wealth – be they in terms of money, experience, wisdom, or any other multitude of things – and their personal journeys to achieving it.