Remodel Your Home to Save Money

Posted: Thursday, December 10th, 2015 | Posted by: April Marasco in Financial Planning | Savings


Buying a home is a major accomplishment, but it’s not without long term costs. Not only is there the initial expense of purchasing plus closing costs and a down payment, there’s the cost of maintaining the property.

Maintenance and repairs might be few and far in between if you purchase a fairly newer house in good condition. However, homes don’t stay new forever, and items eventually break and need replacing.
Some homeowners make the mistake of putting off repairs and maintenance for as long as they can. But ignoring a problem doesn’t benefit your pocket. A small issue can quickly turn into a big one, ultimately costing (more…)

Howard Bancorp's Mary Ann Scully on Bringing Big-Bank Expertise to Community Banking

Posted: Wednesday, December 2nd, 2015 | Posted by: admin in Business Spotlight

By Kiah Lau Haslett

Mary Ann Scully is a lifelong banker, and for the last 11 years she has brought her big-bank experience and expertise to the community banking space. She cut her teeth at regional Baltimore player First National Bank of Maryland, which later became Allfirst Financial Inc., focusing on large corporate clients in the Midwest. She was then promoted to international banking, in which she worked with European and Japanese companies, eventually heading up the entire group. She eventually returned to Baltimore to work in the bank’s M&A and strategic planning departments. The last position she held at AllFirst was executive vice president of regional banking before the bank’s sale to M&T Bank Corp. closed in 2003.


Last-Minute Holiday Shopping Tips

Posted: Tuesday, December 1st, 2015 | Posted by: April Marasco in Financial Planning

With some careful planning, you can stay on budget.

presentYou’ve waited until the last minute to buy your gifts this year. Now what? Just because Black Friday and Cyber Monday are behind us doesn’t mean you have to miss out on some great savings, too. Check out the list of tips below to save when time is down to the wire.

Refine Your List
Create a narrowed down list of whom you have left to buy for, (more…)

This Thanksgiving: A Choice

Posted: Wednesday, November 25th, 2015 | Posted by: admin in Events | Howard Bank


From all of us at Howard Bank we wish you and yours a very Happy Thanksgiving.

It’s that time of year once again—the time when we offer our thanks for our blessings. In preparation for doing so, it’s important to remember that some have more thanks to offer than others, and to remember those when celebrating our own good fortune.

The subject of economic inequality is one frequently mentioned these days by government leaders and social scientists, not to mention Federal Reserve chairmen and countless economists. Despite the bank bashing that still occurs, eight years after the crisis, those of us who are community bankers spend much of our time, professionally and personally, trying to correct some of those inequalities through our age-old role as facilitators and intermediaries. We provide funding to those who are not liquid, but are seeking advantage, by responsibly investing the proceeds from those who are more liquid, if not more advantaged, into our own community. However we also spend a great deal of time trying to understand the larger picture—the reality of, the magnitude of and the root causes of inequality.  (more…)

National Game and Puzzle Week | 7 Board Games That Help Kids Understand Money

Posted: Thursday, November 19th, 2015 | Posted by: April Marasco in Financial Planning | Kids Financial Planning | Small Business

Board games are a great go-to when families are looking for a rainy day activity. But they can do much more than provide your family with Board-Game-Life-1-610x500a night of entertainment. In fact, while your kids are having fun, they could be learning important financial lessons without even realizing it. Looking for a game that’ll show your child money doesn’t grow on trees? Check out these seven games designed to teach your kids about money management and the value of a dollar.

1. Cashflow 101
This game’s financial lessons include teaching players how to take charge of their personal finances, understand cash flow and learn about the importance of investing. Cashflow 101 delves into some of finance’s more complicated topics, so play (more…)

Share the Warmth Coat Drive

Posted: Tuesday, November 17th, 2015 | Posted by: April Marasco in Community


Howard Bank has partnered with local agencies in the communities that we serve to collect new coats, scarves, hats and gloves and distribute them to those in need.

We’ll be collecting items at all of our locations from now through December 3rd. Please help us Share the Warmth.


Howard Bank CEO to Speak at Bank Director’s Conference

Posted: Tuesday, November 10th, 2015 | Posted by: April Marasco in Business Spotlight

Scully will be a featured panelist at the Chicago event

ELLICOTT CITY, Md. (Nov. 10, 2015) – Howard Bank Board Chairman, President and Chief Executive Officer Mary Ann Scully will take part in the Bank Executive & Board Compensation Conference Nov. 10-11 at the Swissotel Chicago. Scully will be a featured panelist in a Wednesday session titled What Makes Great Boards Great: Making the Tough Calls.

The conference brings together executives and board members from various parts of the financial community. The program aims to deliver essential information and insight to officers and directors from public and private institutions, prepare financial institutions from across the U.S. to grow and compete in the future and introduce strategies and tactics a bank’s HR and executive team can immediately consider or implement.

Scully, whose banking career spans 40 years, has been at the helm of Ellicott City-based Howard Bank since its founding in 2004. This year, Scully oversaw the acquisition of Patapsco Bank, making Howard Bank the largest publicly traded bank headquartered in the Baltimore region.

About Howard Bank:
Howard Bancorp is a bank holding company with total assets of $924 million as of Sept. 30, 2015. Its principal operating subsidiary, Howard Bank is a locally owned and managed, growth-focused community bank serving businesses, professionals and individuals in the Greater Baltimore area through 16 full service branches. Howard Bank is a wholly owned subsidiary of Howard Bancorp (NASDAQ: HBMD). For information visit

National Chemistry Week-Making Saving Fun for Young Children

Posted: Tuesday, November 3rd, 2015 | Posted by: April Marasco in Financial Planning | Kids Financial Planning | Savings

Teaching your children how to save is an important step to prepare them for financial responsibility and a secure future. But it won’t go very far if you don’t “practice what you preach” and save for the future yourself.

Whether we like it or not, most of us take after our parents and emulate the habits we observed in them during childhood. In other words, you need to act how you want your children to act when they grow up.

Plus, the earlier you start teaching your children to save money, the better off they’ll be. Even toddlers can do it, but you have to teach this concept in a way they’ll understand. Then, as your children grow, you can introduce more sophisticated saving strategies.

The most important thing at the beginning is to make saving fun.

The Chemistry of Paper Money
Paper banknotes are made from a special paper, which is very dense, making it stronger and more flexible compared to regular paper. In certain cases the banknote paper is a mix of special paper with linen or various other textile fibers. Paper money change hand thousands of times, during their life cycle, which requires them to be produced of much stronger and lasting material. (more…)

Take control of your financial destiny with one word: Budgeting

Posted: Friday, October 23rd, 2015 | Posted by: Kathy Armstrong in Financial Planning

I’ve never quite understood the vast majority of the public’s aversion to the word “budget.” If you are one of the millions of “budget-phobes” who equate the word with such unappealing terms as “restrictive,” “limiting” and even “scary,” let me share with you some of the terms I associate with the word: “freedom,” “dreams” and “control.”

Why the drastic difference in perception? I believe the answer lies in many individuals’ lack of (more…)

Your History Lesson, featuring the ATM

Posted: Tuesday, October 20th, 2015 | Posted by: April Marasco in Howard Bank | IT Security | Savings | Small Business

ATM-PhotoATM, cashpoint, hole in the wall…regardless of how you refer to it, chances are you’ve experienced standing in front of one, and in line for one, more than you realize. Maybe you’ve been outside in subzero temperatures, maybe an absurd service fee has been inflicted upon you, or even a combination of the two.

Nearing its 50-year anniversary, the now ubiquitous cash dispenser made its debut in 1967. Though its uniqueness is undeniable, its origins are a bit knotty. It’s been said the first cash machine appeared in Japan, though there’s very little published on the matter. Whether or not that’s true, Europe certainly had the most successful implementation of after-hours cash dispensers, a response from bankers to the rising labor costs and unionization.

The automated teller machines of today are essentially the culmination of several inventions from multiple people over a few decades. The history is confusing, but we’ve decided to take it upon us to break it down. (more…)

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