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When planning for your retirement, it is smart to estimate your future monthly expenses. However, nailing this down may be easier said than done. You should take into account expenses that will change over time – both those that will increase and also those that will decrease. Doing so will ensure more accurate calculations on […]
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Recent reports show an increase in fraud using Automated Clearing House (ACH) payments, a standard transactional method used by most businesses. ACH payments are often under less scrutiny than wire transfers, giving scammers an opportunity for success in exploiting the looser oversight. However, the TGB team urges our clients to minimize exposure to risk by […]
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Have you heard of anyone’s debit card information being stolen and utilized while they still have the card in their physical possession? If so, they more than likely have fallen victim to a card-skimming device. Thieves install these electronic devices over the normal card reading slot of ATM machines, gas pump card-swiping slots, retail […]
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Using the right data can drastically improve your business decision-making ability, allowing you to focus on improving the return on the changes you implement. Actually knowing exactly which parts of your business are growing, and which aren’t, is better than any educated guess you could make. Successful business owners continuously think about how to innovate […]
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HOUSTON, TX, JUNE 27, 2016: Mia Hinojosa has been appointed Vice President, Commercial Lender at Texas Gulf Bank, N.A., MEMBER FDIC, an independently owned and operated bank established in 1913. Mia will office in our Voss location, focusing on expanding our commercial client base by offering business loans, as well as deposits and flexible financial […]
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The wealth management industry is highly regulated with several agencies watching over it. However, as with any financial decision it is smart to be educated when selecting someone to assist you in managing your money. Here are a few questions to ask when selecting a wealth manager to help handle the future of your personal […]
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According to Bankrate.com, almost a third of Americans have no emergency savings. That’s a scary prospect. Saving can be a challenge for some, as it always seems something is popping up, but the peace of mind that comes from building an emergency fund is worth the extra effort. So how much should you really try […]
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Rising healthcare and insurance costs increasingly burden both businesses and their employees. Utilizing a tax-advantaged medical savings account, like a Health Savings Account (HSA) or Flexible Spending Account (FSA), can lessen the load. For businesses, providing benefits to your employees to help them mitigate the rising costs of healthcare can be an excellent way to […]
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If you need available cash to consolidate credit card debts, to pay for college or a home improvement project, or perhaps you just want to take that vacation you always dreamed about, then a home equity loan might be right for you. However, before you sign on the dotted line, take a look at some […]
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Health Savings Accounts (HSAs) under the Affordable Care Act With the ongoing implementation of the Affordable Care Act, each year a growing number of people are enrolled in health insurance plans offered under the state exchanges, which are Affordable Care Act (ACA)-compliant. Since their inception in 2003, Health Savings Accounts have been used as a […]