Don’t overlook equipment as an asset
By Mark Stock
As the farming population in the U.S. gets older, more and more farmers are thinking about retiring and what follows. The role of a commercial banker in the retirement process is an invaluable one: Helping their clients plan for retirement. From a farmer’s perspective, the retirement process can seem overwhelming, impacted by personal circumstances. Why are they retiring? How much money do they need to comfortably retire, and what can they do to get the most out of their assets?
By Dennis Zimmerman Jr.
There are three important elements to achieving long-term excellence in the performance of the fixed income investment portfolio. The first is attention to detail. The second is to craft then follow a strategic plan that fits the overall goals of the institution. The third simply requires management to be proactive rather than reactive. While the first two are certainly important, this article will primarily focus on the third element — proactively managing the bond portfolio. Successful community bank investment officers understand that when it comes to proactively managing the portfolio, best practices generally follow one of two basic themes: What to do and what NOT to do. Select key best practices are listed below:
By KC Mathews and Eric Kelley
Chicken Little would have been a terrible economist. She was hit on the head by a falling acorn and immediately declared “the sky is falling.” Perhaps a bit more analysis should have been conducted since the sky, in fact, was not falling.
The latest survey by New York-based Sophisticated Investor shows investor asset class confidence reflects the prospering state of the U.S. economy.
Homeownership is supposed to be one of the great “adult” milestones: car, full-time job, marriage, home, family. And among baby boomers and Generation X, this has largely been true, but millennials are not experiencing the same satisfaction and pride previous generations have found when purchasing a home. According to a recent report from St. Louis, Mo.-based Clever Real Estate, homeownership is stressing millennials out, a lot.