Everything You Need to Know About Construction to Permanent Loans

Building your dream home is an exciting journey, but financing the construction can be a complex process. One financing option that simplifies this process is the construction to permanent loan. This type of loan covers the cost of construction and then converts to a permanent mortgage once the building is complete. Let's dive into the details of how this loan works, its benefits, and what you need to consider before opting for one.

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Chart of the Day: Only 42% of Stocks Outperform

Today’s Chart of the Day was prepared by @CharlieBilello on X using data from a groundbreaking paper in 2022 by Hendrick Bessembinder.

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Chart of the Day: 2% Created 90% of Returns

Today’s Chart of the Day is from @CharlieBilello from the Hendrick Bessembinder paper called “Shareholder Wealth Enhancement” published in 2023.

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Chart of the Day: Chart of the Doomsday

Today’s Chart of the Day from JP Morgan shared by @StevenKelly49 on X shows the results of popular economists who predicted “Doomsday” scenarios and the return of selling stock and buying bonds at their suggestion.

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Writing a Comprehensive Will: A Step-by-Step Guide

Creating a will is something one often procrastinates about, assuming there’s plenty of time to do so. It can be overwhelming to think about, and you may not know how to go about it, or how costly it could be.

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Chart of the Day: Why Gold is Money

Today’s Chart of the Day is a classic from Visual Capitalist outlining why “Gold is Money” and the other 117 elements are not.

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Chart of the Day: 124 Years

Today’s Chart of the Day from Carson Investment Research shows the 35 major “bad news” events in the stock market going back to 1900.

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Autobooks: Simplifying Your Business or Non-Profit’s Finances

Small businesses and non-profits are always looking for easier and more economical ways to manage their money, and one exciting new tool to explore is Autobooks

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Chart of the Day: Depression and Walking #1

Today's Chart of the Day is from a research article in the British Medical Journal titled “Effect of Exercise for Depression.”

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Starting a Business? Why You Need Business Bank Accounts

You've taken the leap to become an entrepreneur! While being your own boss has its perks, it also comes with a lot of duties. Setting a strong foundation from the start can help streamline the management of these responsibilities.

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Your Business, Your Terms. Explore Commercial Loans Tailored To Your Vision.

Whether laying the foundation of a new venture or scaling up an existing one, obtaining the right financing is crucial. At Crews Bank & Trust, we strive to meet the needs of our communities and since 1929 we’ve been doing just that. 

In this blog, we’ll break down the basics of different commercial loans to provide the knowledge you need before making your next business decision.

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Chart of the Day: Every Five Years or So

Today’s Chart of the Day, from an article written by Robin Powell with IFA.com, shows the 18 largest market events over the last 95 years.

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Chart of the Day: Hurricanes and the Equator

Today’s Chart of the Day is a slight departure from a typical financial post, and similar to one I shared a few years ago, but has some additional information from Robert Rohde (@rarohde).

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Chart of the Day: Real Estate Over Five Year Spans

Today’s Chart of the Day from ResiClub shows the average 5-year home price return has averaged 26% per state since 1975.

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Building a Diversified Investment Portfolio: Balancing Risk and Reward

Investing can be complex, but one principle that stands the test of time is diversification. Diversification involves spreading your investments across various types of assets in different classes, industries, and geographies. It is so important that Nobel Prize laureate Harry Markowitz, who is the founder of the Modern Portfolio Theory published in 1952, once said, “Diversification is the only free lunch” in investing.

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