In this quarterly report, The Daily Transcript looks at various issues regarding the state of our local and national economy, stock market conditions, banking issues and financial undertakings.

  • Passion, insight are the signs of a successful entrepreneur for Enterprise Venture Partners

    Take a groundbreaking idea, season with cash, add key personnel and stir in a bucket load of strategy and an exceptional company will grow. At least that's the theory behind one of finance's riskiest professions -- venture capitalism.

  • Community outreach is cost-effective credit union marketing tool

    With competition for wallet share at an all-time high in the financial services industry, financial institutions are increasingly looking at marketing and branding strategies to differentiate themselves in the marketplace. Those strategies can include everything from increased print, radio and broadcast advertising to complete image makeovers, which may prove to not only be expensive, but sometimes disappointingly ineffective.

  • People power key for UBS in San Diego

    UBS (NYSE: UBS) is a global banking leader with offices all over the world. It is the culmination of the mergers of dozens of banks over more than a century. But in the United States -- the world's biggest market -- the company ranks around third compared to competitors. To win the war for more clients, according to the director of the San Diego branch, UBS must first win the war for talent.

  • Quality people highest priority for 1st Pacific Bank

    1st Pacific Bank of California's mission to create significant results for its clients starts with the bank's working environment.

  • Providing the roadmap to performing a crucial check-up

    Many of us focus time and energy on getting annual physical exams, exercise programs, eating right, even taking our car in for service, but we often overlook another important regular check-up -- a "financial check-up." Research shows that personal finances are the biggest stress for both individuals and families, causing reduced satisfaction and productivity at home and at work. This month is the perfect time to assess your finances and take the pulse of your spending, your investment and retirement accounts and, especially during this time of the year, analyze your taxes and your expenses from the previous fiscal year.

  • The 'Island Advantage' now in Carlsbad

    On March 20, North County residents celebrated the grand opening of a new community neighbor. North Island Credit Union opened a branch office on Avenida Encinas in the Poinsettia Village Shopping Center, and introduced residents to "the credit union difference."

  • Vineyard Bank -- cultivating entrepreneurial relationships for 25 years

    Being an entrepreneur requires passion, perseverance and a strong sense of purpose. We at Vineyard Bank know this well because our past, present and future are firmly planted in entrepreneurship.

  • McMillin Capital providing superior returns on real estate investing

    In 2004, veteran development entrepreneur Corky McMillin had a vision of involving new partners in opportunities generated by California's real estate industry, so he created a real estate investment and management company called McMillin Capital, LLC. Guided by some of Southern California's most experienced real estate industry experts, McMillin Capital offers investors a diversified choice and healthy return rates.

  • Muni bonds synonymous with pay-to-play

    The municipal bond market cannot be reformed. Pass all the rules you want, but corruption and pay-to-play are going to persist.

  • Emerging-market stocks may advance, Aberdeen says

    Stocks in emerging markets worldwide may rise for a fourth straight year in 2006, as a pickup in consumer spending fuels economic and profit growth, according to Aberdeen Asset Management Plc.

  • Intel, Pilgrim's Pride have joined casualty list

    Pilgrim's Pride Corp. (NYSE: PPC) and Westwood One Inc. (NYSE: WON) were knocked around in the first quarter. I think they have substantial potential to bounce back.

  • Canada's dollar posts biggest monthly loss in almost a year

    Canada's dollar fell last month by the most since April of last year on concern the gap between Canadian and U.S. interest rates will widen.

  • CFA exam draws record applicants amid investment banking boom

    A record number of candidates plans to take the Chartered Financial Analyst exams as surging profits at investment banks boost hiring and attract more job seekers to the financial services industry.

  • DoCoMo to issue credit card through 'iD' cell phone service

    NTT DoCoMo Inc. (NYSE: DCM), the world's second largest mobile phone operator, will issue credit cards through its "iD" handset-based payments service.

  • Google shows index funds not so passive after all

    If recent action in Google Inc. (Nasdaq: GOOG) stock is any guide, it's time to rethink the idea of index funds as a "passive" investment.

  • Buffett makes $14 billion bet that global stocks won't plunge

    Warren Buffett, struggling to find acquisitions big enough to boost Berkshire Hathaway Inc.'s (NYSE: BRK-A) returns, is making a $14 billion bet on the global stock market.

  • U.S. to press Latin American lender to take more risk

    The United States will join Latin American countries in pushing the Inter-American Development Bank to take on more risk and increase lending to some of the region's smaller companies, a Treasury Department official said.

  • U.S. stock funds rose 6.7% in first quarter, led by small firms

    U.S. equity mutual funds rose 6.7 percent in the first quarter, double the returns of the previous three months, led by managers investing in small-company stocks.

  • Transitioning pensions from a company-sponsored retirement plan

    There is a long tradition of U.S. employers providing retirement plans for their employees. This has long provided value for both groups, since employees can look forward to a good source of income after they retire if they take full advantage of the programs in place and employers can take a tax deduction for amounts they put into qualifying plans. Company-sponsored retirement plans give employers a distinct advantage in attracting and retaining quality employees, and the plans also provide employees with a convenient way to maximize their savings for retirement.

  • San Diego online bank flourishing

    A bank that utilizes state-of-the-art technology to conduct business "the old-fashioned way" has become one of the best performing new banks in history and is one of the few Internet success stories.

  • Make the most of your tax refund

    According to the Internal Revenue Service (IRS), 89 percent of filers received a refund in 2003, and in 2004 the average tax refund was approximately $2,300. This year, you may be one of those individuals looking forward to that refund money, but why not use the funds wisely this year -- instead of blowing it on a vacation, a new wardrobe or a shiny new car to replace the one that is working fine.

  • Scenarios for the next U.S. recession

    Notwithstanding a slowdown in the fourth quarter of 2005, U.S. economic activity has grown at a stable, robust pace for most of the last three years. Gross domestic product (GDP) grew at a real annualized rate of at least 3.3 percent in every quarter between March 2003 and September 2005 before sliding to a rate of 1.6 percent in the final quarter of last year. Meanwhile, institutions insured by the Federal Deposit Insurance Corporation (FDIC) turned in a fifth-consecutive year of record earnings in 2005, posting net income of $134.2 billion. In addition, today marks the 636th day since the FDIC last provided assistance to a failed or failing bank -- the longest such streak in the history of the corporation.

  • Bank of America's 'Keep the Change' program draws 2 million customers

    NEW YORK (AP) -- Bank of America Corp.'s (NYSE: BAC) "keep the change" savings program is proving popular with consumers. Since its launch six months ago, it has drawn 2 million participants who have accumulated some $60 million in savings, the bank said Wednesday.

  • Why pay more than you have to? Tax-smart investing can save you money

    NEW YORK -- Making decisions about when to buy and sell can be hard enough when you're managing your mutual fund portfolio, but smart investors consider tax implications, too.

National News

Archived Reports

Banking & Finance Quarterly - Summer 2015

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Spring 2015

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - 2015

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Fall 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Summer 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Spring 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Winter 2014

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - October 2013

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - Summer 2013

The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.

Banking & Finance Quarterly - April 2013

This quarterly edition of Banking & Finance focuses on the latest in taxes and investments, as well as the financial impact of sequestration.