Monthly Archives: August 2008

Introduction to the credit crisis

In these midsummer weeks we are hearing a lot of commentary about the one year anniversary of the credit crisis. In 25 years of Wisconsin banking, I haven’t seen anything like the last 12 months. Many of the major financial institutions in the country have written off more than 50 % of their capital (think […]

Why is there a credit crisis?

It is not accurate to say that the credit crisis is one year old. The credit crisis that we see is the fruit of bad lending, bad investment and bad policy decisions made over many years. Two years ago we were extremely concerned about how easy it was to raise bank capital and how hard […]

How the credit crunch affects you

Many people don’t understand the mechanics of a credit crunch and how it affects them. Banks are not going to hang a sign on the door saying, “we are preoccupied with our own problems and we don’t have much interest in yours”, but there have been changes and these will continue. If you are a […]

The Fed and the credit crisis

For the last 50 years our nation has lived with the idea that our government can borrow as much as it wants and set its own rates through Fed Policy. I think the coming year will reveal a change that has already occurred. I think the Fed has less control over rates and the economy […]

The government and the credit crisis

It has been wisely observed that you can ignore politics, but politics won’t ignore you. Quite frankly I am not very happy with the offerings of either party when it comes to economic policy. Republicans talk a lot about economic freedom, but they seem to be best at crony capitalism. The Democrats siren song of […]

Sarbanes Oxley

Speaking of Congress, I thought Sarbanes Oxley was supposed to improve the integrity of financial reporting. Every one of the major public institutions complied with Sarbanes Oxley in their 2006 year end reporting. I thought Congress had acted to protect investors from inaccurate financial reporting. We went private after Sarbox went into effect precisely because […]

In the News: Weak dollar benefits some area companies

Can the weak value of the dollar actually be a benefit to Northeast Wisconsin? We are seeing signs that this may be true with several of our customers. In the News: Weak dollar benefits some area companies – Upload a Document to Scribd

In the News: Nancy Johnshoy — She’s always looking to the future

Nancy Johnshoy enjoys the challenge of a new volunteer initiative. Although she has worked on many fund raisers, she is always most excited about future projects. In the News: Nancy Johnshoy — She’s always looking to the future – Upload a Document to Scribd

Fraud

Scam Alert: MyFitnessPal health and fitness tracking app users are now phishing targets

Tuesday, April 10, 2018

The scam making news this week is a data breach with Under Armour’s health- and fitness-tracking app, MyFitnessPal.  A database with 150 million user names and passwords of the super popular MyFitnessPal app has been hacked. Cyber criminals use this to scare you into clicking on phishing emails and infect your computer with malware or manipulate [...]

Mortgage

Pre-Approval for Home Loans Helps Buyers Strengthen Their Offer

Tuesday, February 20, 2018

Nicolet Bank Provides Home Loans for Home Purchases and Remodeling The tight housing market in most parts of Wisconsin has created a situation in which the buyer who can move the quickest may end up with the prize. Pre-approval for home loans through Nicolet National Bank is an effective way to position yourself for fast [...]

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Business Pulse - Cybersecurity has emerged as a major issue for CEOs

Monday, July 27, 2015

CEOs Express Concern about the Cybersecurity of their Business. Read the full report here. Business Pulse – JUNE 2015 EXECUTIVE SUMMARY CYBERSECURITY  

Nicolet Bankshares, Inc. 2nd Quarter 2015 Earnings Release

Tuesday, July 21, 2015

Nicolet Bankshares, Inc. (OTCQB: NCBS) earnings release for 2nd quarter 2015. 2Q15 Earnings Release

How to Ensure a Good Credit Score

Wednesday, July 8, 2015

First, let’s understand how your credit score is determined. Your credit score is broken down into five categories weighted accordingly: Payment history = 35% Total amount owed = 30% Length of credit history = 15% New credit = 10% Type of credit in use = 10% MAKE YOUR PAYMENTS ON TIME. This is the most [...]

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