Throughout the year, The Transcript examines issues affecting local banks, the economy, stock market conditions and financial undertakings.
When consumers make decisions about what products and services to use, they increasingly consider the environment. "Going Green" is shaping up to be one of the major themes of 2007.
Small businesses, many of which face high costs and inaccessible service from other financial institutions, need the type of member-focused flexible services that credit unions specialize in offering. Small businesses are extremely dependent on branches, and they demand flexible and extended hours of operation as well as higher levels of responsiveness and support from branch staff. These are areas in which credit unions excel.
The recent news about subprime mortgage lending has left some mortgage shoppers confused when navigating today's real estate loan market.
The housing downturn, credit crunch, gloomy employment data and a parade of maudlin financial forecasts have been enough to send some investors scrambling for bubble gum and beer.
All those corporate executives who were apologizing a few months back for having built up their cash reserves suddenly are the best positioned to survive the current credit crunch and to take advantage of potentially falling prices for deals.
The world economy has managed, with some indigestion, to swallow the rise of oil prices past $80 a barrel. How well could it survive $100 a barrel?
San Diego's business environment is a community composed of small businesses. We lack for large, multimillion-dollar company corporate headquarters, unlike cities such as Los Angeles, New York, Dallas or even Cleveland. Our businesses, while diverse in nature, generally fall below $50 million in sales volume, with a large number in the $5 million to $20 million range.
Powell Construction Consultants Inc. is a full-service consulting firm specializing in the legal and banking industries. Principal Jeffrey P. Powell has been a California licensed contractor for more than 29 years.
Senior adults looking forward to a reverse mortgage to secure their retirement are finding that reverse mortgages are unaffected by the troubles now plaguing traditional mortgages.
Americans fall into debt crisis for many reasons: loss of job, taxes, divorce or death of a spouse, a spouse's poor spending habits or simply overspending, but medical bills are one of the leading culprits.
The role of the traditional bank branch has diminished. Ubiquitous broadband and decreased check usage have sealed the fate of the brick-and-mortar-only operation.
The New York Times recently ran an article ("Loan by Loan, the Making of a Credit Squeeze" by Steve Lohr, Aug. 19) which tells the tales of three families who have fallen victim to overwhelming credit card debt, bankruptcy and even foreclosure due to forecasted promises by their lenders during the housing boom. Across the country this scenario is the same for many first-time homebuyers who are now losing more than just their houses -- they are losing faith in the American dream and trust in our banks and mortgage lenders.
Activism can be very rewarding for shareholders in today's investment climate, and boards and management teams of public companies need to recognize that fact or potentially lose control of their companies.
The past year has been one of the most aggressive markets for underwriting and pricing of commercial mortgage-backed securities in several decades. Questionable practices and an unprecedented amount of liquidity in the marketplace available for investment pushed commercial real estate lending to new highs over the first two quarters as increased leverage and lower yields stimulated the investment market.
A couple of years ago, a group of girlfriends from California made national headlines when they decided to buy and share a $37,000 diamond necklace set with 118 diamonds and a total weight of 16.25 carats. Because no one woman could afford the necklace on her own, the women agreed to share ownership, each taking possession and wearing the necklace for four weeks per year.
Today's high net worth investors are more sophisticated than ever before. They keep up on industry trends and they want access to the best investment options available. To compete in this marketplace, banks are offering their clients a wide array of investment choices, including non- branded products and external money managers, no longer limited to proprietary solutions.
Olga Castro was a single mom recovering from a car accident when she learned she had breast cancer.
The ebb and flow of the community banking industry is, if you pardon the local analogy, a little like the surf. It goes through periods of collective and powerful growth, and a swell of new, independent banks are formed.
When Ramona National Bank wanted a complete overhaul of its operations in early 2006, its board of directors turned to John McGrath.
The housing downturn, credit crunch, gloomy employment data and a parade of maudlin financial forecasts have been enough to send some investors scrambling for bubble gum and beer.
All those corporate executives who were apologizing a few months back for having built up their cash reserves suddenly are the best positioned to survive the current credit crunch and to take advantage of potentially falling prices for deals.
The world economy has managed, with some indigestion, to swallow the rise of oil prices past $80 a barrel. How well could it survive $100 a barrel?
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
The Banking & Finance Quarterly report takes an in-depth look at the local economy, market conditions, financial institutions and more.
This quarterly edition of Banking & Finance focuses on the latest in taxes and investments, as well as the financial impact of sequestration.
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