![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2021/02/TGB-College-Savings-870pxw-150x150.jpg)
With inflation rates for college costs estimated at 3%-10% per year—tuition and fees, along with room and board, could skyrocket by the time your child is a freshman. This leaves parents wondering how to help them pay for it all. Like any savings goal, putting away the money for college starts with a plan. So here are […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2021/02/TGB-Credit-Report-870-150x150.jpg)
There is no reason to fear a credit check if you know what is waiting in your report. That’s why we recommend making a habit of monitoring your credit report and addressing issues as they arise. This will help to safeguard your credit against attempts to steal your financial identity or establish fraudulent credit in […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/12/Retirement-1-870pxw-150x150.jpg)
Determining exactly how much retirement savings you need is no easy task. In order to make the perfect calculation, you would need to know your level of expenses during retirement, future tax rates, future returns on your assets, and ultimately how long you are going to live. These are all things you know off the […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/12/Employee-Benefits-Feature-Image-150x150.png)
An Employee Benefits Program can attract and motivate your employees to work hard for your business. While wages are the largest component of hiring negotiations, additional offerings are also important. Together with a good work environment, your benefits program may be the difference between an effective, steady workforce or a group of dissatisfied employees that you continuously […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/12/Safe-Deposit-Box-Web-Banner-150x150.png)
Safe deposit boxes offer a secure place away from your home or office to store your valuables. This includes jewelry, stamp or coin collections, and negotiable items like stock certificates and bonds. It is also an excellent place to keep things that are irreplaceable or have sentimental value. A household inventory (on video or written), appraisals, […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/12/SMB-Marketing-1-870pxw-150x150.jpg)
In order to create an effective brand, developing and maintaining a solid business identity is critical. Your business identity consists of all the visual elements that establish and reinforce your brand: logo, stationery, web design, marketing materials, signs, and more. What is a Brand Identity? Ultimately, this is the way your brand communicates with the […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/12/SMB-Marketing-870pxw-150x150.jpg)
Now is a great time to revamp your marketing initiatives and then craft an effective strategy for the new year. Planning now allows you to get the ball rolling quickly when you head back to work after the holidays. Here are some essential elements outlining the most critical actions you and your team should consider. […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/11/Startup-Costs-Web-Banner-150x150.jpg)
If 2021 is your year to finally start the new business you’ve been planning, we have some tips to help you estimate the costs to get that venture up and running. Calculating startup costs will help you: –> Estimate Needed Cash on Hand –> Secure Loans –> Attract Investors –> Find Potential Tax Deductions Step 1 | Identify Your […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/10/Young-Adult-Website-Banner-150x150.jpg)
Taking on the responsibility of your bills and investments for the first time in life is a huge step. Not everyone is ready to manage this step, but with some time and research you can feel confident enough to make sound decisions. The sooner you learn how to make financial decisions on your own, the […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2020/12/TGB-Family-Almanac-Feature-Image-150x150.jpg)
A Family Records Almanac is an organized compilation of your family and financial accounts. Once completed, it should be kept in a place that is easily accessible. It’s essential to be able to get to it fast in case of emergencies that require you to leave quickly–like a hurricane or fire. An added benefit of organizing your important account information […]