Planning for the Next Step  

This weekend I decorated my house for Fall.  You know—pumpkins, Fall colors, etc.  When I was finished, I started thinking about the next step…CHRISTMAS!  As I was pulling out the Fall decor, I saw the Christmas decorations.  That got me thinking about Christmas trees, baking, snow, gift buying…the list goes on and on. None of […]

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It’s Time Again…

It’s Time Again…

In May, I had the opportunity to speak at the Independent Bankers Association of New York State conference.  There were several speakers and varieties of issues were discussed.  Regardless of the topic, all the speakers agreed on one thing-we are looking at an economic downturn in the near future.  A downturn can mean many things for a financial institution including:  Revamping […]

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Is your portfolio ready for the future?

As we move into the end of the first quarter of 2019, interesting economic trends are appearing: Personal credit card balances are up 10.7% between September 2018 and October 2018 5% of student loans are 90 days or more delinquent Personal auto loan delinquencies are at the highest since 2012 A slowdown in the global […]

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