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Howard Bank created Marylandbankingblog.com with the small business in mind. It is another way Howard Bank offers the Hands On approach to banking. If there is a specific topic you would like us to write about, email us at HBOnline@howardbank.com with your topic idea.

Six Ways to Save for a Vacation

July 31st, 2015 | Posted by admin in Mortgage - (Comments Off)

Vacation is fun. Paying for it, well, that’s not very fun. Or is it? Okay it isn’t. But that doesn’t mean you can’t enjoy the saving process with these six ideas.

1. Special Savings Account

When you have cash in your pocket, you’re more likely to spend it. The same goes for (more…)

With hurricane season upon us, it’s a great time to reassess your organization’s business continuity and disaster preparedness plans. If a significant disaster hit your business tomorrow, do you have a plan to respond and recover accordingly? Unfortunately, not all businesses do.




According to the Institute for Business and Home Safety, nearly one in (more…)

How to Get a Mortgage With Little Savings

July 27th, 2015 | Posted by admin in Mortgage - (Comments Off)



If you don’t have a lot of cash in your savings account, you might think you can’t qualify for a mortgage. Between closing costs and down payments, getting a mortgage is expensive. And some first-time home buyers think every mortgage lender requires a (more…)

Should You Diversify Your Products or Own a Niche?

July 24th, 2015 | Posted by admin in Small Business - (Comments Off)

When it comes to the products or services you sell, it can be hard to find the perfect balance.


If you offer too wide a spread of items for sale, you can dilute your market. In other words, you can offer a lot, but not be a specialist in any one thing, and therefore become a generalist. Not a great selling strategy.

On the other hand, if you narrow your focus too tightly, you can miss out on other (more…)

How to Save on Back-to-School Shopping

July 21st, 2015 | Posted by admin in Community - (Comments Off)

You can trim costs on supplies by shopping sales and snagging coupons.


Even though it’s early, it’s time to start shopping for supplies.
As the excitement of the July Fourth holiday weekend quiets down, you might notice that stores are featuring back-to-school inventory. It’s a good thing, because a new survey by Rubicon Project reports that nearly 25 percent of parents (more…)

As the US economy slows small business owners are facing tough financial times, many for the first time. Financial problems are difficult; they consume time and valuable business resources, but must be dealt with proactively in order to be resolved. Many small business owners do not utilize all of the resources provided to them by their banker; no one has more financial training and more time invested in the (more…)

Protect Yourself from ID Theft

July 15th, 2015 | Posted by admin in IT Security - (Comments Off)

Protect Yourself from ID Theft


Identity theft is everywhere. Turn on your TV, and you’ll see “special reports” on how to prevent it. Turn on the radio, and hear ads for services pledging to protect you from it. Search for it on Google, and you get 140 million results. In fact, according to a (more…)

10 Tips for Finding the Best Deal on Your Mortgage

July 13th, 2015 | Posted by admin in Mortgage - (Comments Off)

  10 Tips for Finding the Best Deal on Your Mortgage

You scour the market for the perfect home, but you should be just as diligent when shopping for the right loan.









Compare apples to apples. When you get quotes from companies, don’t look at just the interest rate. Look at the (more…)

Key Signs That You Are Ready for Small Business Expansion

July 9th, 2015 | Posted by admin in Small Business - (Comments Off)

Key Signs That You’re Ready for Small Business Expansion

By: Tammy Biondi

Your business has been up and running for a few years now, profits are steady and you’re looking for ways to grow. Are profits alone reason enough to consider expansion? There are as many reasons to expand your business as there are (more…)

Will Millennials Change Banking Forever?

July 7th, 2015 | Posted by admin in Financial Planning | Uncategorized - (Comments Off)


Will Millennials Change Banking Forever?
A generation of nearly 80 million strong, Millennials are changing the face of banking as we know it. Millennials are hungry for (more…)