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	<title>CUB: A Kentucky Community Bank</title>
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	<link>https://www.cubbank.com</link>
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		<title>Estate Planning Is More Than Minimizing Estate Taxes</title>
		<link>https://www.cubbank.com/estate-planning-is-more-than-minimizing-estate-taxes/</link>
		<comments>https://www.cubbank.com/estate-planning-is-more-than-minimizing-estate-taxes/#comments</comments>
		<pubDate>Tue, 10 Sep 2019 19:40:11 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Financial Library]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10216</guid>
		<description><![CDATA[<p>Many people think of estate planning only as a way to reduce taxes. Actually, it is a lot more. Here are some of the issues you should consider: Family communication. In many families, death and money are almost forbidden subjects. Yet some frank discussions with children (or parents) can prepare everyone for the unexpected. Be [...]</p><p>The post <a href="https://www.cubbank.com/estate-planning-is-more-than-minimizing-estate-taxes/">Estate Planning Is More Than Minimizing Estate Taxes</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p>Many people think of estate planning only as a way to reduce taxes. Actually, it is a lot more. Here are some of the issues you should consider:</p>
<p><strong>Family communication</strong>. In many families, death and money are almost forbidden subjects. Yet some frank discussions with children (or parents) can prepare everyone for the unexpected. Be sure key family members can find important documents and are aware of any desired medical treatment options.</p>
<p><strong>Your will</strong>. This document dictates how assets are distributed from your estate and can be used to designate legal guardians for dependents. You, not the courts, should make those decisions. Your will also names the person (executor) to oversee the estate until all assets are distributed and officially closed. Choose someone that is capable of understanding and carrying out your wishes.</p>
<p><strong>Your retirement accounts</strong>. Carefully choose the beneficiary of your retirement plans, including IRAs. In most cases, the person receiving your retirement plan assets is the determined by the beneficiary form you sign, not your will.</p>
<p><strong>Irrevocable life insurance trusts.</strong> Life insurance proceeds are not subject to income taxes but may result in estate taxes if your estate is the beneficiary. Speak with a qualified attorney to learn how a life insurance trust may help keep proceeds out of your estate and taxes to a minimum.</p>
<p><strong>Durable power of attorney for finances</strong>. This document enables another to handle your finances and your investments if you become incapacitated and are unable to make your own decisions. Without it, it may be necessary to go to court frequently just to handle routine transactions. Choose someone that is capable and knowledgeable such as an adult child, sibling or trusted friend. If you do not have someone like that, consider your attorney or accountant.</p>
<p><strong>Medical directives</strong>. These documents are invoked if you are not capable of making health care decisions for yourself. A <em>durable power of attorney for health care</em> gives another person the ability to make medical decisions and a <em>living will</em> tells your family and medical personnel how you are to be treated if you become terminally ill. It also states your wishes about being placed on life support. Some states may separate forms for each.</p>
<p><strong>Regular estate planning checkups</strong>. Estate plans should be reviewed regularly. Many estate attorneys suggest a review every three or four years. If your situation changes (divorce, death of a spouse, birth of children or grandchildren, changes in wealth status), you may want to review your plan more often. Moving to another state should also prompt an estate plan review.</p>
<p><strong>Use an expert</strong>. The estate laws are complex and the consequences of being inadequately prepared are significant. While you may want to do some investigation on your own, it is wise to use a qualified attorney for your estate planning needs.</p>
<p>The post <a href="https://www.cubbank.com/estate-planning-is-more-than-minimizing-estate-taxes/">Estate Planning Is More Than Minimizing Estate Taxes</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>8 Financial Tips for College Freshmen</title>
		<link>https://www.cubbank.com/8-financial-tips-for-college-freshmen/</link>
		<comments>https://www.cubbank.com/8-financial-tips-for-college-freshmen/#comments</comments>
		<pubDate>Wed, 04 Sep 2019 17:52:04 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Financial Library]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10192</guid>
		<description><![CDATA[<p>Striking the balance between spending and saving can be particularly hard when you are focused on everything else that comes with college life, but it is important to keep a close watch on your spending habits from day one. There’s no better time than the first year of college to establish good money habits and [...]</p><p>The post <a href="https://www.cubbank.com/8-financial-tips-for-college-freshmen/">8 Financial Tips for College Freshmen</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p>Striking the balance between spending and saving can be particularly hard when you are focused on everything else that comes with college life, but it is important to keep a close watch on your spending habits from day one. There’s no better time than the first year of college to establish good money habits and take control of your financial future.</p>
<p>Citizens Union Bank offers the following tips to help ease the transition to financial independence for college freshmen.</p>
<ol>
<li><b>Create a budget.</b> Take some time to figure out your income and set your goals, factoring in recurring expenses that must be paid (like tuition, books, and car insurance), some of your “wants” (like concert tickets and other recreational activities), and savings for emergencies.</li>
<li><b>Track your spending.</b> Create a spreadsheet or download an app to see where your money is going each month. Mapping out your spending habits can help you identify where you might want to make adjustments.</li>
<li><b>Save a little each month</b><b>.</b> Save your spare change and deposit it into your bank account at the end of each month. Increase the amount by $5 each month or quarter. This is an easy and manageable way to establish good financial habits that “Future You” will appreciate.</li>
<li><b>Open an interest-bearing account.</b> Stash some of your high school graduation money in an account that earns interest for doing nothing. When you open a certificate of deposit (CD), for example, you will earn interest in exchange for agreeing to leave your money alone for a specific period of time. Plan it right, and you can have CDs mature right as you need them each semester to help pay for tuition and expenses.</li>
<li><b>Utilize campus resources.</b> Universities today offer plenty of amenities to students for little-to-no cost. Take advantage of benefits such as free access to the campus rec center and shuttles that take you to off-campus locations.</li>
<li><b>Take advantage of student discounts.</b> When you want to take a break from the campus dining halls or feel the urge to treat yourself, try looking for places that offer student discounts. Most discounts typically range from 10 to 15 percent and will accept your campus ID as verification.</li>
<li><b>Build credit wisely.</b> Look into applying for a student credit card that you can use for small purchases that you can pay off in full each month, like a music streaming subscription. If you don’t have your own source of income or are not comfortable handling the responsibility of credit alone, ask your parents to add you as an authorized user for one of their credit cards to establish a history of credit.</li>
<li><b>Ask questions.</b> Just like in the classroom, this is a learning experience. If you need help or are curious about a financial issue, ask trusted resources like your parents or your bank.</li>
</ol>
<p>&nbsp;</p>
<p><img class="alignleft size-full wp-image-9865" alt="CUB Email Signature LOGO (no Bear)-01" src="https://www.cubbank.com/wp-content/uploads/2019/03/CUB-Email-Signature-LOGO-no-Bear-01.png" width="184" height="184" />CUB Bank has been around since 1888, so we’ve been through a lot. We’ve seen wars, depressions, terrorist attacks, and recessions. Yet here we are; always making it through and coming out the other side with continued Strength, Longevity and Trustworthiness.</p>
<p align="center"># # #</p>
<p>The post <a href="https://www.cubbank.com/8-financial-tips-for-college-freshmen/">8 Financial Tips for College Freshmen</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>An IRA Refresher</title>
		<link>https://www.cubbank.com/an-ira-refresher/</link>
		<comments>https://www.cubbank.com/an-ira-refresher/#comments</comments>
		<pubDate>Thu, 29 Aug 2019 20:35:06 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Financial Library]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10187</guid>
		<description><![CDATA[<p>The almost-annual changes to the income tax laws have created confusion about Individual Retirement Accounts (IRAs). This confusion has caused many people to ignore one of the most powerful tools available to help them secure a solid financial future. Even with all the changes, IRAs can and should be a key part of the foundation [...]</p><p>The post <a href="https://www.cubbank.com/an-ira-refresher/">An IRA Refresher</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p>The almost-annual changes to the income tax laws have created confusion about Individual Retirement Accounts (IRAs). This confusion has caused many people to ignore one of the most powerful tools available to help them secure a solid financial future.</p>
<p>Even with all the changes, IRAs can and should be a key part of the foundation of most people&#8217;s retirement planning efforts.</p>
<p>Here are some of the facts you should know to help make fully informed IRA decisions:</p>
<p><strong>For Traditional and Roth IRAs</strong></p>
<ul>
<li>The annual contribution limit for 2019 is $6,000.   In subsequent years, the limit will be adjusted annually for inflation in $500 increments. The only requirement is that you have at least that much income from wages or salaries.</li>
<li>Individuals ages 50 and older are able to make additional catch-up contributions.  The limit for these additional contributions is $1,000.</li>
</ul>
<p><strong>Traditional IRAs</strong></p>
<ul>
<li>Your contribution to a Traditional IRA is tax-deductible if you are not a participant in your employer&#8217;s qualified retirement plan. If you are a participant in a qualified retirement plan, the deductibility of contributions to regular IRAs is determined by your modified adjusted gross income (MAGI).  For married couples in 2019, the deduction is phased out at MAGI levels between $103,000 and $123,000.</li>
<li>Earnings on funds within an IRA are not subject to income tax as they are earned. Tax deferral allows for the funds to accumulate faster. With a &#8220;regular IRA&#8221;, earnings are taxed when withdrawn from the IRA.</li>
<li>IRAs were established to be long-term retirement planning accounts. As such, the IRS imposes a penalty tax of an additional 10% if funds are distributed before reaching age 59 ½. There are a few exceptions to this rule, including a first time home purchase.</li>
<li>If you have established IRAs at different institutions over the years, you can consolidate them into one account to make it easier to keep track of your funds.  If done properly, there are no income tax consequences to this consolidation.</li>
<li>IRAs can serve as the account to receive a distribution from your employer&#8217;s qualified plan when you change employers or retire. Tax deferral is maintained and you may have additional investment flexibility.</li>
<li>You must begin taking distributions from a regular IRA at age 70 ½.</li>
</ul>
<p><strong>Roth IRAs</strong></p>
<ul>
<li>The biggest differences are that the contributions are not tax-deductible and that distributions are not subject to income tax. The other difference is that Roth IRA contributions are not allowed if your modified adjusted gross income exceeds certain levels.</li>
<li>For single filers in 2019, full contributions are allowed if your MAGI is less than $122,000, partial contributions are allowed if your MAGI is between $122,000 and $137,000 and no contributions are allowed if your MAGI is above $137,000. For married couples filing joint returns, full contributions are allowed if your MAGI is below $193,000, partial contributions if your AGI is between $193,000 and $203,000 and no contributions are allowed if your MAGI is over $203,000.</li>
</ul>
<p>When comparing regular and Roth IRAs, the trade-off is usually whether the loss of deductibility on current contributions with a regular IRA is worth the benefit of never having to pay income tax on distributions from a Roth IRA. Roth IRAs also provide more distribution flexibility. For many, the Roth IRA can result in superior long-term benefits.</p>
<p><strong>Some General Guidelines</strong></p>
<ol>
<li>If you can afford it, contributions to both an IRA and a 401(k) plan can help you accumulate funds faster. If you can only do one, the 401(k) should probably be chosen because of possible employer matches and deductibility of contributions.</li>
<li>The value of the tax deferral on earnings within a regular IRA increases the longer the funds are in the IRA.</li>
<li>Non-deductible contributions to a Roth IRA should be considered carefully in lieu of deductible contributions to a regular IRA.</li>
<li>The rules covering the conversion of regular IRAs to Roth IRAs were changed for 2010 and later years.  As a result, most individuals can now make the conversion.  The advantages of converting can be significant but there will be a current tax liability. Be sure to consult with a qualified advisor for an evaluation.</li>
</ol>
<p>The post <a href="https://www.cubbank.com/an-ira-refresher/">An IRA Refresher</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>Saving Early for a College Education</title>
		<link>https://www.cubbank.com/saving-early-for-a-college-education/</link>
		<comments>https://www.cubbank.com/saving-early-for-a-college-education/#comments</comments>
		<pubDate>Wed, 28 Aug 2019 20:15:36 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Financial Library]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10185</guid>
		<description><![CDATA[<p>Being able to afford to send your children to the colleges of their choice, without being limited by cost, can be one of the great joys of being a parent. But attending college is expensive. According to a study from the College Board (Trends in College Pricing 2018), the average total cost for a year [...]</p><p>The post <a href="https://www.cubbank.com/saving-early-for-a-college-education/">Saving Early for a College Education</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p>Being able to afford to send your children to the colleges of their choice, without being limited by cost, can be one of the great joys of being a parent.</p>
<p>But attending college is expensive. According to a study from the College Board (Trends in College Pricing 2018), the average total cost for a year (tuition, books, fees, room, board, transportation, and other expenses) was over $10,000 at public universities for in-state students and over $40,000 at private colleges. And costs continue to rise.</p>
<p>Over the past decade, the costs of getting a college degree have gone up about 6% per year on average. If this trend continues, and all indications are that it will, the cost for a year of college will double in 12 years and triple in 19 years. And remember, increasing numbers of students are spending more than four years in college.</p>
<p>One of the keys to accumulating the money needed to send your child to college is to start saving early. Let us use an example of a seven-year-old (11 years until college) that will attend a state university as an in-state student. The estimated total current cost of a year at that university today is about $20,000. Assuming that costs increase 6% annually, her first year will cost over $38,000. If her parents want to have saved all of her college costs by the time she begins, they need to have accumulated over $166,000 by then.</p>
<p>Let us assume her funds earn 5%. If her parents had started at age four, they would have needed to save about $1,136 per month. If they start now when their daughter is seven years old, their monthly savings need to be $1,222. If they wait until she is 10, they will need to save $1,419 per month. If they wait until she is 13, they will need to save over $1,919 per month. Starting to save early not only enables you to spread your saving over a more extended period, but you also get the benefit of the earnings on the funds for a longer period.</p>
<p>Starting to save for college education as early as possible makes a big difference. And the decision of when to start is up to you.</p>
<p>The post <a href="https://www.cubbank.com/saving-early-for-a-college-education/">Saving Early for a College Education</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>FDIC Consumer News: Beware of Fake Checks</title>
		<link>https://www.cubbank.com/fdic-consumer-news-beware-of-fake-checks/</link>
		<comments>https://www.cubbank.com/fdic-consumer-news-beware-of-fake-checks/#comments</comments>
		<pubDate>Tue, 27 Aug 2019 17:19:12 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Alerts]]></category>
		<category><![CDATA[Financial Library]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10181</guid>
		<description><![CDATA[<p>Protect yourself from fake check scams with these tips from FDIC Consumer News Even in today’s digital and mobile world where electronic money transfers are common, consumers and businesses may still prefer the assumed security of paper cashier’s checks or official bank checks for large or major payments. Recipients generally prefer one of these checks [...]</p><p>The post <a href="https://www.cubbank.com/fdic-consumer-news-beware-of-fake-checks/">FDIC Consumer News: Beware of Fake Checks</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<div>
<h5>Protect yourself from fake check scams with these tips from FDIC Consumer News</h5>
<p>Even in today’s digital and mobile world where electronic money transfers are common, consumers and businesses may still prefer the assumed security of paper cashier’s checks or official bank checks for large or major payments. Recipients generally prefer one of these checks over a personal check because the financial institution presumably has already collected the funds from the party purchasing the cashier’s checks or official bank checks. This means the payment is guaranteed unless the check is counterfeit, so there are risks to consumers and businesses from these types of paper instruments, as well.</p>
<p>Unfortunately, criminals have come to rely on their victim’s sense of “security” provided by cashier’s checks and official bank checks. Advanced graphics and printing technologies allow scammers to easily create fraudulent and hard-to-detect counterfeit checks in a matter of minutes, adding a sense of legitimacy to their scams. Fake checks can look so real that it’s very hard for consumers, or even bank employees, to detect.</p>
<p>Fake bank checks are typically used in scams where the scammer tries to get you to cash or deposit the check. Once it is deposited, they ask that you send all or part of the proceeds back to them or to someone else (an accomplice) before the bank where it was deposited tries to clear or process the check for payment and realizes the instrument is fake. The scammer might ask you to return the funds in a number of ways: in cash, by writing a personal check, by loading it onto a pre-paid or gift card, or through some electronic means, such as a wire transfer, automated clearing house (ACH) payment, or a person to person (P2P) transaction.</p>
<p>If it is later determined that the check was counterfeit, you will likely be held responsible for the funds that were provided to the scammer, so it is important that you recognize the signs of a counterfeit check to protect yourself. Remember, fraud artists are constantly coming up with new ways to use fraudulent cashiers or official bank checks in their scams. Here are three of the most common scams, and tips on how to detect whether or not you are being scammed.</p>
<p><strong>1. Lotteries and Sudden Riches Scams</strong></p>
<p>In these examples, the check recipients are told that they won a lottery—perhaps in a foreign country—or that they are entitled to receive an inheritance. The recipient is instructed that in order to “claim&#8221; their lottery winnings or inheritance, the recipient must first pay “taxes and fees” before they can receive their prize or money. A fake cashier’s check is sent, which the scammer asks the recipient to cash and then wire back the funds to cover the taxes and fees.</p>
<p><strong>2. Online Auctions, Classified Listing Sites, and Overpayment Scams</strong></p>
<p>Scammers might go to an online auction or classified listing site and offer to buy an item for sale, pay for a service in advance, or rent an apartment. The odd thing is that they might send you a cashier’s check for an amount that is higher than your asking price. When you bring this to their attention, they will apologize for the oversight and ask you to quickly return the extra funds. The scammer’s motive is to get you to cash or deposit the check and send back legitimate money before you realize that the check you deposited is fake.</p>
<p><strong>3. Secret or Mystery Shopper Employment Scams</strong></p>
<p>In these cases, the scammer advertises a job opportunity and claims to be &#8220;hiring&#8221; people to work from home. The “employee” might receive an official check as a starting bonus, and is asked to cover the cost of “account activation.” The scammer hopes to receive these funds before the official check clears and the new employee realizes they’ve been scammed.</p>
<p>Another scenario involves an offer to work from home as a secret shopper to &#8220;assess the quality&#8221; of local money transfer businesses. The “employee” is sent a cashier’s check and instructed to deposit it in their bank account and withdraw the amount in cash. They are then instructed to use a local money transfer business to send the funds back to the “employer” and &#8220;evaluate&#8221; the service provided by the money transfer business.</p>
<p><strong>How to Spot a Fake Check</strong></p>
<p>Determining whether a cashier’s check or bank check is legitimate is difficult just by physical inspection. However, there are some things you can do to help identify a fake check:</p>
<ul>
<ul>
<li>Make sure the check was issued by a legitimate bank. While some counterfeit checks will include a legitimate bank’s name, a fake name is a sure giveaway. FDIC <a href="https://research.fdic.gov/bankfind/">BankFind</a> allows you to locate FDIC-insured banking institutions in the United States.</li>
</ul>
</ul>
<ul>
<ul>
<li>Check with the bank that supposedly issued the check to make sure it is real. Make sure you look up the phone number on the bank’s official website and don’t use the phone number printed on the check (that could be a phone number controlled and answered by the scam artist). Next, call the official number and ask them to verify the check. They will likely need to know the check number, issuance date, and amount.</li>
</ul>
</ul>
<ul>
<ul>
<li>Consider how and why you received the check. If someone you don’t know initiated the payment, be skeptical and proceed cautiously. Scammers often communicate with their victims via e-mail or text message. Their communications may contain poor grammar and spelling errors.</li>
</ul>
</ul>
<ul>
<ul>
<li>Look where the check was mailed from&#8211;if the postmark is not the same as the city and state of the “supposed” issuing bank, it might be an indication the check is fake. Be especially cautious if it was mailed from overseas.</li>
</ul>
</ul>
<ul>
<ul>
<li>Determine if the amount of the check is correct and as expected. Fake checks are often made out for more than the agreed-upon amount. This is intended to coax the person receiving the check into wiring the overpayment back to the scammer.</li>
</ul>
</ul>
<ul>
<ul>
<li>Official checks usually contain watermarks, security threads, color-changing ink, and other security features. While scammers are able to sometimes copy these security features, the quality is often poorly executed.</li>
</ul>
</ul>
<p><strong>What to Do If You Are Scammed</strong></p>
<p>If you think you’ve been targeted by a counterfeit check scam, report it immediately to any of the following agencies:</p>
<ul>
<ul>
<li>The Federal Trade Commission at <a href="https://www.ftccomplaintassistant.gov/#crnt&amp;panel1-1">FTC Complaint Assistant</a>.</li>
</ul>
</ul>
<ul>
<ul>
<li>The U.S. Postal Inspection Service at <a href="https://www.uspis.gov/">www.uspis.gov</a> (if you received the check in the mail).</li>
</ul>
</ul>
<ul>
<ul>
<li>Your state or local consumer protection agencies. Visit <a href="https://www.naag.org/">NAAG</a> for a list of state Attorneys General.</li>
</ul>
</ul>
<ul>
<ul>
<li>For possible online crimes involving counterfeit checks and money orders, file an online complaint with the <a href="https://www.ic3.gov/default.aspx">Internet Crime Complaint Center </a>(a joint project of the FBI and National White Collar Crime Center).</li>
</ul>
</ul>
<p>In addition to notifying the bank whose name is on the check, you can notify the website or online service where you encountered the scammer (for example, the online auction website or job posting website), so they can block them from utilizing their services in the future.</p>
<p>For more help or information, go to <a href="https://www.fdic.gov/">FDIC.gov</a> or call the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342). Please send your story ideas or comments to <a href="mailto:consumeraffairs3@fdic.gov">consumeraffairs3@fdic.gov</a></p>
</div>
<div>
<div>Last Updated 08/23/2019</div>
<div><a href="mailto:publicinfo@fdic.gov">Publicinfo@fdic.gov</a></div>
<div></div>
<div>SOURCE: FDIC</div>
<div></div>
<div></div>
</div>
<p>The post <a href="https://www.cubbank.com/fdic-consumer-news-beware-of-fake-checks/">FDIC Consumer News: Beware of Fake Checks</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>Business First Consult the Experts</title>
		<link>https://www.cubbank.com/business-first-consult-the-experts-17/</link>
		<comments>https://www.cubbank.com/business-first-consult-the-experts-17/#comments</comments>
		<pubDate>Fri, 23 Aug 2019 19:12:06 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Financial Library]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10179</guid>
		<description><![CDATA[<p>topic: Cornerstones of Successful Business Management Sometimes we all get numb to the massive amount of information there is regarding running a successful business. People can spend hours trying to absorb information from Zig Ziglar to Tony Robbins when really it all comes back to four cornerstones of running a successful business. The first cornerstone is planning. Create a blueprint [...]</p><p>The post <a href="https://www.cubbank.com/business-first-consult-the-experts-17/">Business First Consult the Experts</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p><span style="color: #003da5;"><strong>topic:</strong></span><br />
<span style="color: #48a23f;"><strong>Cornerstones of Successful Business Management</strong></span></p>
<p>Sometimes we all get numb to the massive amount of information there is regarding running a successful business. People can spend hours trying to absorb information from Zig Ziglar to Tony Robbins when really it all comes back to four cornerstones of running a successful business.</p>
<ul>
<li>The first cornerstone is planning. Create a blueprint of what needs to be done.</li>
<li>The second cornerstone is strategizing. Prioritize your priorities. Always go by the Rule of Three, meaning don’t bog yourself down with any more than three priorities.</li>
<li>The third cornerstone is executing the plan. There will be short windows of opportunity to make money, and you have to be ready to react quickly when an opportunity presents itself.</li>
<li>The fourth and final cornerstone is being able to monitor and measure progress. Benchmark your company’s performance by industry and peer comparisons. Your banker can be an excellent resource for industry information and data.</li>
</ul>
<p>As the old adage goes, ‘Failing to plan, is planning to fail.’ Successful businesses require leadership with high marks in all four cornerstones.</p>
<p><strong><img class="alignleft size-full wp-image-6757" alt="Tyler-Long- April 2016" src="https://www.cubbank.com/wp-content/uploads/2016/05/Tyler-Long-April-2016.png" width="180" height="240" /></strong><span style="color: #48a23f;">TYLER LONG</span><br />
<span style="color: #48a23f;">FIRST VP OF COMMERCIAL LENDING</span><br />
101 Huntington Ridge Drive<br />
Louisville, KY 40223<br />
502.244.8729 or 502.321.6545<br />
mtl@cubbank.com<br />
www.cubbank.com</p>
<p>The post <a href="https://www.cubbank.com/business-first-consult-the-experts-17/">Business First Consult the Experts</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>CUB and the Louisville Sports Commission agree … “Grownups need field days too!”</title>
		<link>https://www.cubbank.com/cub-and-the-louisville-sports-commission-agree-grownups-need-field-days-too-2/</link>
		<comments>https://www.cubbank.com/cub-and-the-louisville-sports-commission-agree-grownups-need-field-days-too-2/#comments</comments>
		<pubDate>Mon, 05 Aug 2019 18:06:18 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10162</guid>
		<description><![CDATA[<p>By CITIZENS UNION BANK &#124; August 5, 2019 6:00 am What happens when you gather teams of employees from Louisville-area businesses and organizations for a day of friendly competition and employee camaraderie – you get the Louisville Corporate Games. Challenged by its board to think about what it could do to add to the quality [...]</p><p>The post <a href="https://www.cubbank.com/cub-and-the-louisville-sports-commission-agree-grownups-need-field-days-too-2/">CUB and the Louisville Sports Commission agree … “Grownups need field days too!”</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p>By CITIZENS UNION BANK | August 5, 2019 6:00 am</p>
<p><img class="alignleft size-thumbnail wp-image-10153" alt="Karl-Schmitt" src="https://www.cubbank.com/wp-content/uploads/2019/08/Karl-Schmitt-150x150.jpg" width="150" height="150" />What happens when you gather teams of employees from Louisville-area businesses and organizations for a day of friendly competition and employee camaraderie – you get the Louisville Corporate Games.</p>
<p>Challenged by its board to think about what it could do to add to the quality of life in the community, three years ago, the Louisville Sports Commission created the Louisville Corporate Games. “The idea behind the games is to get people active and to get people moving,” Karl Schmitt Jr. said. Schmitt has served as president and CEO of the organization since 2010. “We wanted to give companies a way to build team spirit and camaraderie among their employees. We also wanted people to have fun. We patterned our games after the Indiana Sports Corp. They have been doing it for more than 15 years and have 160 participating companies.</p>
<p><strong>CUB employees join the games</strong></p>
<p><img class="alignleft size-thumbnail wp-image-10154" alt="Michelle-Forish-2017" src="https://www.cubbank.com/wp-content/uploads/2019/08/Michelle-Forish-2017-150x150.jpg" width="150" height="150" />Michelle Forish, Assistant VP Commercial Banking Portfolio Manager with Citizens Union Bank (CUB) says the games provide a field day for grown-ups. She participated in the first year as a team captain while working for another organization. When Forish joined CUB last year, she asked her boss, Debbie Prewitt, SVP Commercial Lending/Louisville Market President, if CUB could participate. Prewitt said yes and Forish was nominated as the bank’s team captain. “Debbie never questioned the cost,” Forish said.</p>
<p>CUB is headquartered in Shelbyville, Ky., but Prewitt says the bank views Jefferson County as a growth market. “Participation in events like the Corporate Games gives us lots of visibility among other companies, and that is always a good thing,” Prewitt said. “It is really nice because some of our clients are involved, as well as some of our prospects. Plus, it is just an all-around fun thing to do.”</p>
<p><img class="alignleft size-thumbnail wp-image-6841" alt="Debbie-Prewitt-2016-small" src="https://www.cubbank.com/wp-content/uploads/2016/07/Debbie-Prewitt-2016-small-150x150.jpg" width="150" height="150" />“The nice thing for the bank is that we had employees and some of their significant others participating from all of our markets, from Shelby County to Hardin county to LaGrange and Louisville. As a bank, we value putting together and participating in events that all of our employees can take part in.”</p>
<p><strong>Fees and divisional competition based on company employment</strong></p>
<p>Companies compete within one of four divisions based upon total Louisville-area employment (full and part-time employees). Each company’s team roster can include as few as 15 participants or up to 100 participants. Entry fees range from $1,500 to $3,000.</p>
<p>“Some companies come out hyper-competitive and then some just come out to have fun,” Schmitt said. Five or six events are very competitive: 3 x 3 volleyball, 3 x 3 basketball, tug-of-war, and dodge ball among them. Other events still earn team points, but they are just more fun: frisbee toss, water-balloon toss, a version of cornhole where you are playing the game with the boards turned sideways, and parallel parking. Other “good sports” activities include a wellness walk, food drive, team selfie, a team tailgating contest and team t-shirt contest. All the events are co-ed and most require at least one male and one female participant. Click here to see the full list of games, descriptions, rules and scoring.</p>
<p><img class="alignleft size-medium wp-image-10163" alt="61603642_10205780137218765_2682009404777168896_n" src="https://www.cubbank.com/wp-content/uploads/2019/08/61603642_10205780137218765_2682009404777168896_n1-300x225.jpg" width="300" height="225" />For those that may not be participating in a team event, they can still get moving during three-hours of non-stop activity in the YMCA Family Fun Zone.</p>
<p><strong>Team captain encourages participation among employees</strong></p>
<p>Each year the number of CUB employees participating in the Games continues to grow.</p>
<p>Forish says recruiting employees was made easier because she had participated in the first games and could tell people what it’s about. “I’ve never had three or four hours go by so fast and be that much fun,” Forish said. “You get your employees in a different environment where you are able to laugh and cut up, as well as show your competitive side.”</p>
<p>Forish is encouraged by the growth in employee participation. Last year, CUB had about a dozen employees and significant others participating. This year, the number of participants doubled. “Hopefully, we can continue to have even more employees participating,” she said. Because some of the bank branches are open on Saturdays, it can be challenging to ensure those that want to participate are able to make it work with their schedule. “Our managers are very good about not scheduling people to work when they know they want to participate in the games.”</p>
<p><strong><img class="alignleft size-medium wp-image-10156" alt="61474134_10205780140218840_9077663647840337920_n-e1564757520675-345x345" src="https://www.cubbank.com/wp-content/uploads/2019/08/61474134_10205780140218840_9077663647840337920_n-e1564757520675-345x345-300x300.jpg" width="300" height="300" />Captain’s committee provides insight to Commission</strong></p>
<p>Forish also serves on the captain’s committee, which Schmitt described as the Sports Commission’s eyes and ears about how things go with the event. They provide input on what competitions worked and what didn’t. The committee also helps with recruiting ideas. “Banks are very helpful in that regard because they know lots of companies,” Forish said. “The Sports Commission is really focused on companies that are local to Louisville and the Kentuckiana area.”</p>
<p><strong>Companies participating doubles over three years</strong></p>
<p>The Corporate Games continue to grow with 22 companies participating in the first year, 33 in the second, and 47 this year. “It’s really part of our health and wellness initiative in this community to help build a culture of healthy lifestyles,” Schmitt said. “We’ve had over 2,000 employees from those companies participate.”</p>
<p>The third annual Corporate Games were held June 1 on the Kentucky County Day campus. The competition began at 8 a.m. and concluded with an awards ceremony at 1:30 p.m.</p>
<p>Awareness for the event also continues to grow. This year, the Sports Commission encouraged social media and gave points for teams that promoted the event on their social media pages. “On the morning of the event, we were the number one trending topic in the country for several hours,” Schmitt said.</p>
<p>CUB Bank has been around since 1888, so we’ve been through a lot. We’ve seen wars, depressions, terrorist attacks, and recessions. Yet here we are; always making it through and coming out the other side with continued Strength, Longevity and Trustworthiness.</p>
<p>The post <a href="https://www.cubbank.com/cub-and-the-louisville-sports-commission-agree-grownups-need-field-days-too-2/">CUB and the Louisville Sports Commission agree … “Grownups need field days too!”</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>CUB is raising cane!</title>
		<link>https://www.cubbank.com/cub-is-raising-cane/</link>
		<comments>https://www.cubbank.com/cub-is-raising-cane/#comments</comments>
		<pubDate>Tue, 30 Jul 2019 17:23:13 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Community]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10133</guid>
		<description><![CDATA[<p>By <a href="https://insiderlouisville.com/author/cub/">CITIZENS UNION BANK</a> &#124;  <a href="https://www.cubbank.com/" target="_blank" rel="noopener noreferrer">Citizens Union Bank</a> and <a href="https://www.raisingcanes.com/" target="_blank" rel="noopener noreferrer">Raising Cane’s</a> make a great partnership because they collaborate effectively on finance and business, and both organizations are incredibly committed to the communities they serve. “They’re like family,” says Debbie Prewitt, Louisville Market President and SVP of Commercial Lending at CUB.  “They’re [...]</p><p>The post <a href="https://www.cubbank.com/cub-is-raising-cane/">CUB is raising cane!</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<header>
<div>
<p>By <a href="https://insiderlouisville.com/author/cub/">CITIZENS UNION BANK</a> | <time datetime="%1$s"></time></p>
<div></div>
</div>
<div><a href="https://www.cubbank.com/" target="_blank" rel="noopener noreferrer">Citizens Union Bank</a> and <a href="https://www.raisingcanes.com/" target="_blank" rel="noopener noreferrer">Raising Cane’s</a> make a great partnership because they collaborate effectively on finance and business, and both organizations are incredibly committed to the communities they serve.</div>
</header>
<div>
<article>
<div>
<p><img class="alignleft size-full wp-image-6841" alt="Debbie-Prewitt-2016-small" src="https://www.cubbank.com/wp-content/uploads/2016/07/Debbie-Prewitt-2016-small.jpg" width="180" height="240" />“They’re like family,” says Debbie Prewitt, Louisville Market President and SVP of Commercial Lending at CUB.  “They’re very collaborative and are ideal clients. CUB, as a community bank, believes in investing our time, talent and money in our local communities. Raising Cane’s is very much like us in that way and we share the same philosophy. Our commitments are very closely aligned.”</p>
<p>CUB provides construction loans, depository banking and Smart Safe solutions to Raising Cane’s parent company, CRM Companies, and its subsidiaries, Dropping Bird and Cool Dough, which own and operate 16 Raising Cane’s and MOD Pizza restaurants in Louisville and Lexington. Because CUB is a community bank, it is nimble and able to customize financial solutions for individual clients. CUB executives are also as close as a phone call, and the bank embraces a company culture that is family-like. So does Raising Cane’s.</p>
<p>“One of the things I’ve been very impressed by in Cane’s employee culture is that employees give their own money to an Employee Fund so that when a crew member hits a rough patch or is experiencing difficulty, there are funds to help him or her out,” Prewitt says. “It’s beyond amazing.”</p>
<p>Not only does Raising Cane’s have an amazingly craveable product cooked fresh to order, but it also generously serves surrounding communities with the restaurant chain’s fun and whimsical trademark style. Similarly, CUB employees volunteer their time to help local charities, and on Columbus Day each year, all employees are given paid time off to volunteer at any of more than a dozen non-profits.</p>
<p><img class="alignleft size-medium wp-image-10134" alt="rc2" src="https://www.cubbank.com/wp-content/uploads/2019/07/rc2-300x224.jpg" width="300" height="224" />“We have a premium product and believe in active community involvement,” says Garyen Denning, president and CEO of Dropping Bird, LLC. “The brands that are strong these days do a lot of work outside their four walls.”</p>
<p>Denning and his team, which opened their newest Raising Cane’s restaurant on Hurstbourne Lane in January, now have six restaurants in Louisville specializing in delicious chicken fingers. Josh Luckett is general manager of the new restaurant.</p>
<p>“We have the chicken delivered every day and marinate it for 24 hours,” Denning says. “Our Cane’s sauce has a bit of a cult following. And people love our Texas toast.  Our devoted customers call themselves ‘Caniacs’.”</p>
<p>It takes 50-60 employees to open a new store, and all employees take part in community projects. Some of their most recent efforts include a beautification project at the home of a Big Brothers/Big Sisters participant during which employees did lawn maintenance, painted the family swing and completed other household tasks.</p>
<p>“Multiple times a year we also do Habitat for Humanity projects,” says Jeff Hudgins, marketing advisor for the restaurants. “And we also have a program called Raising Coats for Raising Cane’s in which employees and customers donate winter coats that we then give to the Salvation Army. During our most recent drive, we collected 1,000 coats.”</p>
<p>Prewitt adds, “We believe in their leadership team and we believe in their product. At CUB we always want to see our clients succeed.”</p>
<p>Raising Cane’s is able to attract great talent because it treats its employees well and provides a casual, fun and quirky working environment. Inside the restaurants, there are pictures on the walls including a black velvet painting of Elvis, a hard hat and salmon (ask about the story behind it the next time you visit!), and a big picture of Cane the mascot, a golden retriever wearing black sunglasses.</p>
<p>“We pay more than the minimum wage,” Denning says. “And we’re closed on eight holidays throughout the year because we want our employees to be able to spend time with their families.”</p>
<p>Hudgens says that Raising Cane’s also hosts fundraisers for local schools, universities, clubs and high school bands in which 15 percent of the profits of food purchased is donated to the organization.</p>
<p><iframe src="https://www.youtube.com/embed/pvShf7L8AkE" height="315" width="560" allowfullscreen="" frameborder="0"></iframe></p>
</div>
</article>
<p>“Our restaurants are so unlike any other fast food environment,” Denning says. “We’re investing in a brand that we ourselves would like to work at.”</p>
<div> <img class="alignleft size-full wp-image-9865" alt="CUB Email Signature LOGO (no Bear)-01" src="https://www.cubbank.com/wp-content/uploads/2019/03/CUB-Email-Signature-LOGO-no-Bear-01.png" width="184" height="184" /></div>
<div>
<div>CUB Bank has been around since 1888, so we’ve been through a lot. We’ve seen wars, depressions, terrorist attacks, and recessions. Yet here we are; always making it through and coming out the other side with continued Strength, Longevity and Trustworthiness.</div>
</div>
</div>
<p>The post <a href="https://www.cubbank.com/cub-is-raising-cane/">CUB is raising cane!</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>Business First Consult the Experts</title>
		<link>https://www.cubbank.com/business-first-consult-the-experts-16/</link>
		<comments>https://www.cubbank.com/business-first-consult-the-experts-16/#comments</comments>
		<pubDate>Fri, 26 Jul 2019 17:26:13 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10122</guid>
		<description><![CDATA[<p>topic: Can your company benefit from faster payments? Same-day ACH was introduced back in 2016, giving businesses the opportunity to send their payments out faster than the typical one to two-day window. Businesses use same-day ACH to process payroll, giving additional time to prepare and submit, remit payments for invoices possibly resulting in a discount, and also quicker bill payment for credits [...]</p><p>The post <a href="https://www.cubbank.com/business-first-consult-the-experts-16/">Business First Consult the Experts</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<h4><span style="color: #003da5;">topic:</span><br />
Can your company benefit from faster payments?</h4>
<p>Same-day ACH was introduced back in 2016, giving businesses the opportunity to send their payments out faster than the typical one to two-day window. Businesses use same-day ACH to process payroll, giving additional time to prepare and submit, remit payments for invoices possibly resulting in a discount, and also quicker bill payment for credits and debits. Faster payments are instrumental in the cash flow of a business.</p>
<p>The new changes that are on the horizon for same-day ACH will greater benefit businesses by faster funds availability (September 2019), reduce cost by using ACH versus wire transfers of transactions 100K or less (March<br />
2020) and a new processing window with expanded hours (September 2020). Each new phase allows financial institutions to assist their client’s needs in the exchange of money between customers and their vendors/employees in an always changing financial environment.</p>
<p><img class="alignleft size-full wp-image-6854" alt="Genny-Wenta-2016" src="https://www.cubbank.com/wp-content/uploads/2016/07/Genny-Wenta-2016.jpg" width="180" height="240" /><span style="color: #003da5;"><strong>Genny Wenta</strong></span><br />
VICE PRESIDENT<br />
TREASURY SERVICES</p>
<p>11601 Bluegrass Parkway<br />
Louisville, KY 40299<br />
502.633.4450 or 866.633.4450<br />
gkw@cubbank.com<br />
www.cubbank.com</p>
<p>The post <a href="https://www.cubbank.com/business-first-consult-the-experts-16/">Business First Consult the Experts</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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		<title>Are you considering starting a Business?</title>
		<link>https://www.cubbank.com/are-you-considering-starting-a-business/</link>
		<comments>https://www.cubbank.com/are-you-considering-starting-a-business/#comments</comments>
		<pubDate>Fri, 19 Jul 2019 12:39:53 +0000</pubDate>
		<dc:creator><![CDATA[Jessica Dobner]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">https://www.cubbank.com/?p=10104</guid>
		<description><![CDATA[<p>Starting a business and being your own boss is a dream of many people.  It can be an opportunity to put innovative ideas to work, to fill a needed niche in a market and potentially to build your wealth. However, millions have been successful and millions have failed.  There are no guarantees, but here are [...]</p><p>The post <a href="https://www.cubbank.com/are-you-considering-starting-a-business/">Are you considering starting a Business?</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></description>
				<content:encoded><![CDATA[<p>Starting a business and being your own boss is a dream of many people.  It can be an opportunity to put innovative ideas to work, to fill a needed niche in a market and potentially to build your wealth. However, millions have been successful and millions have failed.  There are no guarantees, but here are some of the issues you should consider.</p>
<p><strong>Do you have the psychological make-up to handle a start-up?</strong></p>
<p>The process of starting, building, growing and managing a business is hard work. There are always unexpected issues and concerns that arise.  Most successful entrepreneurs have an innate ability to accept and manage risks.  They also usually exhibit a passion that provides the incentive to go that extra mile (or make that next presentation) that may be needed. You should also consider the effect that starting a business may have on your lifestyle and your family.</p>
<p><strong>What type of business makes sense?</strong></p>
<p>Hundreds of thousands of ventures are started each year in all lines of business.  Starting a business from scratch, buying an existing business or entering into a franchise arrangement all present opportunities and potential pitfalls.  Be sure to do your homework.  Consider the current and potential markets for whatever business you are considering.  Examine the strengths and weaknesses of competitors.  The Internet and trade associations can be great sources of valuable information.  You may be surprised what you can find readily available.</p>
<p>Find a line of business that matches your skills, experience and interests.  If you are considering starting a personal service business, it can be nice to start off with at least one existing customer.  Whatever type of business, be sure you like it.  If you are successful, you may spend many years or several decades in that business.  There are few things worse than not liking your job.</p>
<p>If you are considering buying into an existing business or franchise, investigate them thoroughly.  Have a professional look at the financial statements and any contracts you may be signing.</p>
<p><strong>Are you going alone or should you have a partner?</strong></p>
<p>This can be one of the most challenging issues you face.  Running the business yourself gives you the opportunity to make all the decisions, but you must live with the results.  A partner can bring skills, experience and capital, however, you should be confident that you work with that person for an extended period of time.</p>
<p>If you choose to have a partner, you may also want to discuss how your partnership can be ended.  While everyone has good intentions at the beginning, things can and often do change.  Having a buy/sell agreement or a contractual agreement may avoid difficulties and hard feelings later.</p>
<p><strong>Where will you get the financing you need?</strong></p>
<p>Starting and growing a business takes money.  Consider the funds you may need for office space, equipment, inventory, marketing and working capital.  You should also remember that not all customers pay quickly.  One of the most common causes of business failures is inadequate capital.</p>
<p>Arranging needed capital should be undertaken early in the start-up process.  Once the business is operational, you will probably want to focus on running it and not have to constantly be looking for funds.  Be sure to speak with your financial institution about what they may be looking for before they would be willing to lend to a new business.  You may also want to explore a loan through the Small Business Administration.  The SBA programs offer a number of types of loans.</p>
<p><strong>What are some of the other legal, financial and tax issues to be considered?</strong></p>
<p>After addressing all the other aspects, these will probably seem easy.  You need to choose a business form (sole proprietorship, partnership, corporation, sub-chapter S corporation, limited liability company).  While this may sound complicated, it is much easier to decide upon than the issues discussed above.  Each business form has attractions and drawbacks.  Your attorney can be very helpful in evaluating the options and drafting any documents you need.</p>
<p>Your personal financial and tax situations may also change when you become a business owner.  You may lose the predictability of a monthly paycheck and the other benefits found with a larger company.  You may have to pay for your medical insurance and fund your retirement account.</p>
<p><strong>Summary</strong></p>
<p>The entrepreneurial spirit is alive and well in America.  As you consider your future, remember that being in business for yourself can be risky as well as rewarding.  Taking some key steps early in the process, hard work, a good idea, using sound business practices and maybe a little luck can make all the difference.</p>
<p>The post <a href="https://www.cubbank.com/are-you-considering-starting-a-business/">Are you considering starting a Business?</a> appeared first on <a href="https://www.cubbank.com">CUB: A Kentucky Community Bank</a>.</p>]]></content:encoded>
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