Contact Us
    Browse by topic
    Subscribe to our blog

    Real Estate

    Buying a Home? Here’s What You Need to Know.

    on March 30, 2022 | By Jamey Dodson
    Owning your own piece of land comes with a whole slew of personal and financial benefits but it’s easy to get held up on the home financing process. Therefore, we recommend that your personal finances are the first step to complete before you start driving around neighborhoods looking at For-Sale signs. That means figuring out how much home you can afford and choosing the right option for your home loan. Read on to learn more about the home mortgage process and what you can do to ensure your journey to home ownership is a smooth one.
    Read

    Business

    Is a Business Loan or a Line of Credit Best For Your Financial Plan?

    on March 30, 2022 | By Bradley Ruhmann
    Selecting the proper loan product for your business depends on what you need the money for and how you intend to pay it back. Here are some quick facts about each product.
    Read

    Chart of the Day

    Bond Length Matters

    on March 23, 2022 | By Samuel A. Kiburz
    Duration describes the time it takes for a bond holder to get all their money back and/or the change in price for each 1% change in the interest rate.
    Read

    Chart of the Day

    S&P 500 Wins Again

    on March 16, 2022 | By Samuel A. Kiburz
    This chart from an article in today’s Wall Street Journal shows the percentage of funds that underperformed the S&P 500 in the last 12 years. Again, passive indexes beat 85% of the active managers last year, and the majority have done so for 12 consecutive years. This is one of the reasons why we champion passive index funds.
    Read

    Chart of the Day

    Car Dealer Profits

    on March 14, 2022 | By Samuel A. Kiburz
    I am reminded of this chart every time I drive by a car lot. Before the pandemic, financing and insurance profits made up 70% of the dealer’s profits. Now, due to price appreciation of their inventory, that percentage has changed. However, the dollar profits from financing and insurance continue to increase. Car dealers have become more like finance and insurance companies.
    Read

    Chart of the Day

    Stay Invested

    on March 12, 2022 | By Samuel A. Kiburz
    Below is a great chart from Putnam, which shows that over the last 15 years, if you missed the top 10 best days of market gains, your return would have gone from 10.66% to only 5.05%.
    Read

    Business

    How to Afford the Down Payment for a Commercial Loan

    on March 11, 2022 | By Todd Rinehart
    A commercial loan is a type of loan that is available for businesses to fund growth, equipment, property, and more. Depending on the type of loan, how much money you need, and your credit history, the down payment for commercial loans varies.
    Read

    Chart of the Day

    Vanguard vs. iShares by BlackRock

    on March 9, 2022 | By Samuel A. Kiburz
    Since we use both Vanguard and iShares by BlackRock Exchange Traded Funds (ETFs) extensively, one of my pleasures over the last few years has been seeing each company try to outdo the other by lowering costs. As they continue to lower costs, they gather more and more investments. As referenced in a recent Bloomberg article, together they account for 64% of the ETF market as Vanguard is getting close to the size of BlackRock.
    Read

    Estate Planning

    5 Financial Planning Strategies Business Owners Can Use to Control Expenses

    on March 8, 2022 | By Kevin Casey
    Before you can begin to control expenses en route to lowering them, you must know where your money is going. Numerous financial management programs are available to help you keep track of your expenses, but they won’t help unless you or your business manager enters the proper information.
    Read

    Estate Planning

    Why Should You Begin Your Estate Planning Now?

    on March 8, 2022 | By Lory Weisensee
    Google “things to do before you die” and you’ll get over four billion hits. Most will involve experiences like “go on an African safari,” “visit the Grand Canyon,” “see a live Broadway show,” “swim with dolphins,” “ride in a hot air balloon,” etc.
    Read
    “I feel like my relationship with Wauchula State Bank is a friendship, and I am incredibly loyal to the bank because they have [not only] supported me, but also provided what I feel is the best service.”
    Lauren Canary
    Watch the Full Video
    “I was able to develop a relationship with Charlotte State Bank [& Trust] very quickly, which is something you don’t experience often, especially in a bank. It feels like family. It really does.”
    Ken Smith
    Watch the Full Video
    “Wauchula State Bank made it very easy to do an equity line of credit. I need someone like Mark Delany in my corner ... he made the whole process as enjoyable and flexible as it could be.”
    Paul Schulz
    Watch the Full Video
    “[Charlotte State Bank & Trust takes] care of clients as though they are family members. I think their strength ... is their people. They truly care, they're knowledgeable, and they make you feel like family.”
    The Hayman Family
    Watch the Full Video

    Want more articles like this in your inbox?

    Subscribe to our blog for a weekly roundup of our latest financial blogs and resources.

    Contact Us
    The Crews Family of Banks
    Our Family of Banks Are:
    FDIC_White
    Equal Housing Lender
    © Crews Banking Corporation. All Rights Reserved.