Welcome to Marylandbankingblog.com

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.

5 Stats Every House Hunter Should Know…

April 17th, 2014 | Posted by admin in Mortgage - (Comments Off)

by Michael Corbett, The Motley Fool

Buying a new home can be quite the undertaking, and in many ways, it’s a numbers game.Here are five stats, numbers and percentages you’ll need to be familiar with – to give you that winning edge: (more…)

8 Small Business Marketing Tips…

April 15th, 2014 | Posted by admin in Marketing - (Comments Off)

Making strategic business decisions about where to allocate limited funds is a day-to-day dilemma for small business owners. For most, the budget doesn’t allow for the services of an online marketing firm.  However, you are also savvy enough to know marketing can’t be ignored. (more…)

How to Save More for Retirement in 2014…

April 10th, 2014 | Posted by admin in Financial Planning - (Comments Off)

By Joe Udo

 
Two of the most common New Year’s resolutions are to get fitter and save more money. These resolutions are very difficult to keep because the goals aren’t specific, and it’s hard to keep track of them. It’s better to make more specific goals like saving an extra $2,000 for retirement this year. Here are some ways all of us can save more for retirement this year. You’re on your own for the fitness resolution. I will be struggling with that one, too. (more…)

Financing Growth…

April 8th, 2014 | Posted by admin in Financial Planning | SBA - (Comments Off)

SBA is committed to helping small businesses, which are the backbone of the nation’s economy, thrive. Working closely with a wide range of lending partners across the country, (more…)

Developing a Marketing Plan…

April 1st, 2014 | Posted by admin in Marketing - (Comments Off)

Marketing takes time, money, and lots of preparation. One of the best ways to prepare yourself is to develop a solid marketing plan. A strong marketing plan will ensure you’re not only sticking to your schedule, but that you’re spending your marketing funds wisely and appropriately. (more…)

Are You Ready to Meet Howard…

March 26th, 2014 | Posted by Mary Ann Scully in Howard Bank - (Comments Off)

Meet Howard_ADG picture

MaryAnn Scully

As a long-time Maryland resident, with over 30 years of experience in the banking and finance sector, I have experienced the good, the bad, and the ugly when it comes to banking in the region. This background is what gives me the needed perspective to help lead and shape Howard Bank into what it is today. I am excited to be a part of not only the future of banking in this great state, but of Howard Bank’s legacy.

(more…)

Forecasting for Growth…

March 25th, 2014 | Posted by admin in Financial Forecasting - (Comments Off)

Maintaining your momentum means looking forward even as you focus on the present. Forecasting and planning are critical to your continued success.

Forecasting for Growth: Strategic Thinking

To be effective as a leader, you must develop skills in strategic thinking. Strategic thinking is a process whereby you learn how to make your business vision a reality by developing your abilities in teamwork, problem solving and (more…)

SBA Loans: 8 Common Myths…

March 21st, 2014 | Posted by Rosa Scharf in Howard Bank | SBA - (Comments Off)

Need an SBA loan? “You’ll be filling out forms forever.” “It’ll take them years to approve your loan.” Those are just two of the widely spread, but totally untrue myths about the SBA small business loan programs.

The Small Business Administration (SBA) offers numerous programs to assist entrepreneurs with starting, managing and growing their businesses. Thousands of American businesses are turning to this resource because financing remains a formidable challenge. However, many misconceptions exist about these (more…)

Banks Catch on to Mobile Banking…

October 15th, 2013 | Posted by admin in Uncategorized - (Comments Off)

Mobile banking has been declared the “future of banking” more than once over the past few years. Frequent appreciation of mobile banking’s potential to make personal finance more convenient has accompanied its evolution from initial text-based banking services to the sleek apps that exist today. In recent years, evidence has accumulated that supports these notions and points to increased adoption among mobile phone owners. An August Pew Research report showed that, as of July 2013, 35% of cell phone owners were using mobile banking, an increase of 17% from the (more…)

When working with a wealth advisor or financial planner the topic of long term care often comes up.  This conversation usually centers on whether or not to purchase a specific form of insurance that protects against the expensive cost of extended care.  But is this really the only definition of long term care?  In this day and age, aging can take many forms (more…)