July 2012
Message from the President


According to a recent study conducted by Biz2Credit, big banks with more than $10 billion of assets typically reject nine out of ten loan applications from small companies.  So why do big banks like Bank of America, Morgan Chase, Wells Fargo and TD Bank so frequently reject loan requests from small business customers?
 
Beware of "Debt Settlement" Companies

You may pay a lot but receive no help getting out of debt.

Consumer debt, including credit card debt, has risen to historic high levels, and that has led to an explosion of questionable “debt settlement” companies who claim they can almost magically solve your debt problems – for a major fee. 

The problem is, many of these for-profit companies charge a lot – in advance – but do little or nothing to help. And that just puts you deeper in debt, deeper in the hole. 

What's SaaS all About?

Apps

There’s a huge buzz surrounding Software-as-a-Service (SaaS) these days and no doubt you’ve heard others talking about it. SaaS tools give your business the ability to grow, transform and run from anywhere in the world. Plus, you also have the flexibility of easily adding or removing users and only paying for the amount you use.
Get Out of That Hole!
Practical Tips from Guaranty Bank Staff

savings

Do you often have too much month left at the end of your paycheck? Having a hard time coming up with simple ways to stretch your dollar? Here are a few tips I’ve used myself to stay away from that slippery slope called debt.

Brainy Bits

Here’s a new corner of our e-newsletter. Each issue will feature some random facts and maybe a game or two to help keep that brain of yours in tip top shape.




"Bags For Bucks"
Ladies get ready to shop! The 3rd annual “Bags for Bucks” fundraiser will take place on Saturday, August, 18th from 8:00am to 11:00am during the Downtown Farmer’s Market. All proceeds go directly to Community Health Free Clinic.



Monday September 3rd - Labor Day
All branches will be closed in observance of the holiday.


Mortages Made Easy
Getting a mortgage can be stressful. But it’s different at Guaranty Bank. Open communication, hassle-free processing and attention to your needs come standard with every Guaranty Bank mortgage.

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