![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2016/05/Texas-Gulf-Bank-Emergency-Fund-Savings-150x150.jpeg)
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 […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2016/05/ThinkstockPhotos-517376396-150x150.jpg)
Make your annual investment early in the year and let compounding work for you. To make the most of your IRA, you should invest the maximum amount allowable as early in the year as you can. An investment every January 1st, rather than waiting until December 31st, can substantially better your results. Source: *Bankrate *BankRate.com® is a […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/08/business-tools-and-advice-header-150x150.jpg)
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 […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-Early-Investing-150x150.jpg)
Early Investments Pay Off You’re 24, out of school, just starting out or just starting to advance in your career, and steadily paying back your student loans. Maybe you’re thinking about getting married, buying a house and starting a family. Perhaps you’d like to use your annual vacation time and travel; broaden your horizons. You’re […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-Agency-Account-150x150.jpg)
Non-Deposit Investment Products are: not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the bank; subject to investment risks, including possible loss of the principal amount invested. If you’re like most Americans, you have a job, a family, and a life that takes up a good percentage of your […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-Home-Equity-Loan-150x150.jpg)
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 […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-Health-Savings-Acocunts-150x150.jpg)
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 […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-IRA-Retirement-150x150.jpg)
It’s never too early to start thinking about retirement, but the issue most often at the forefront of that thought is retirement savings. How can you begin putting money away now so that you will be able to live comfortably after you retire? Depending upon your goals and the amount of time remaining until retirement, […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-Business-Credit-Card-150x150.jpg)
Small business owners, even ones who have set up a separate bank account for their business, often hold off on procuring a business credit card, choosing instead to use their personal card for business transactions. The arguments for doing so range from not wanting to give up spending rewards offered by personal cards to not […]
![[thumbnail for post]](https://www.texasgulfbank.com/wp-content/uploads/2015/10/Texas-Gulf-Bank-Expanding-My-Business-150x150.jpg)
Owning and operating a business of any size can be a daunting task; in many cases an all-consuming commitment of time, energy and financial resources. Whether the business is a start-up or an established, successful venture, most business owners will agree a substantial degree of personal sacrifice was required to get “to this point”. It’s […]