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The Trend Continues

The Trend Continues

Last month, Wells Fargo announced that they will be closing hundreds of its bank branches as a result of the increasing trend of online banking ...
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Signing Away

Signing Away

Beginning this month, major credit card companies will no longer require a signature for most credit card purchases. This has become a standard practice for ...
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Just One More

Just One More

This week, I am sharing a personal perspective. Last week our country lost a very special person: former First Lady Barbara Bush, wife of President ...
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Public Impact

Public Impact

Two years ago, I blogged about the impressive level of cash reserves public entities have on hand for investment. These levels have only continued to ...
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The Impact of Rising Costs

The Impact of Rising Costs

Inflation numbers continue to stay low, but does that mean costs are staying flat for public and higher Ed entities? Unfortunately, the answer is “no.” ...
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Good, Better, or Best

Good, Better, or Best

What kind of banking relationship would like to have: good, better, or best? The decision is yours to make. In today’s banking environment, the way ...
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Rolling Back...

Rolling Back…

Upsets during “March Madness” capture the attention of all of us, as the least expected teams surge in front of the top seeds. The same ...
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Lines of Communication

Lines of Communication

Strong lines of communication are an effective strategy for an entity in securing a strong banking relationship. In a world full of so many ways ...
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Clear Liquidity

Clear Liquidity

Does the need for liquidity mean you have to leave a lot of cash in a low-interest-bearing checking account? The answer is “no.” To be ...
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Are You Ready?

Are You Ready?

The marketplace is already reflecting the Federal Reserve’s anticipated moves to raise the Fed’s fund rates in the first quarter of 2018 by .25%, with ...
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Who Wants Public Deposits?

Who Wants Public Deposits?

The answer is not a firm “yes” or “no,” but rather “it depends.” First, let me qualify by stating that most banking institutions consider public ...
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Budget 2.0%+ for 2019

Budget 2.0%+ for 2019

Last year, I blogged that short-term rates would reach 2.0%+ by the end of 2018. Looking out a bit further, I am going to be so bold as ...
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