I see that Business Week has opened a micro website called “The Case for Optimism”. While I am naturally optimistic, I found the site interesting, especially an article about cautious optimism. It was written by the CEO of SAP, who grew up in Europe. One of the things that ...

UPDATE:   As Chairman of the Wisconsin Bankers Association (WBA) Trust Section Board, I find it unacceptable on behalf ...

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 ...

Read an article about banking in Inc. Magazine a while back about how to work with bankers.  There are a couple of good points in it that I like to use as a reminder to my ...

Cash flow is simply that, the flow of cash. When running a business, the saying “Cash is King” has never been more important than in the current economic slowdown. Being profitable does not necessarily mean being liquid, or having cash available. A company in not able to make payments with ...

First, let’s understand how your credit score is determined. Your credit score is broken down into five categories weighted accordingly… Payment ...

A credit score is a number that helps lenders predict the likelihood of a consumer’s ability to repay a loan.  Credit scores range from 300 to 850.  In the past, a credit score of 640 or ...

What does 80-10-10 mean?  The 80 stands for an 80% First Mortgage;  the 10 stands for 10% Second Mortgage and the last 10 stands for the 10% down payment from the ...

I’ve never been a fan of the “no money down” or even “low money down” concept for home purchases.  The ZERO (or little) down programs most often result in higher rates and higher fees.  ...

Consumers have gotten used to refinancing their mortgage with little to no costs over the past 10 years.   This is about to change!  The problem was simple; business only works when it’s a win-win situation ...