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	<title>United Bank &#38; Trust Blog</title>
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	<description>United Behind You.™</description>
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		<title>Think Spring, Think Home Improvement Time</title>
		<link>http://blog.ubat.com/index.php/2012/04/24/think-spring-think-home-improvement-time/</link>
		<comments>http://blog.ubat.com/index.php/2012/04/24/think-spring-think-home-improvement-time/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 04:50:40 +0000</pubDate>
		<dc:creator>Marilyn Buka</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=640</guid>
		<description><![CDATA[Spring time is traditionally the time of year when many people begin to consider making improvements to their homes. Home tours begin soon, which adds a little more excitement to the home improvement bug that is going around.
However, while the economy continues to slowly make improvements, and even with an upturn in the housing market, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Options to Consider with Your Tax Refund</title>
		<link>http://blog.ubat.com/index.php/2012/04/09/options-to-consider-with-your-tax-refund/</link>
		<comments>http://blog.ubat.com/index.php/2012/04/09/options-to-consider-with-your-tax-refund/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 20:13:18 +0000</pubDate>
		<dc:creator>Carol A. Sewell</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=586</guid>
		<description><![CDATA[You’ve filed your 2011 taxes and found out you’re getting a refund. What are you planning to do with it? 
Before spending it on a new TV, clothing or some other type of gadget, consider one of the following options for your refund:
1.  Allocate it towards your retirement. Many of us love instant gratification. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Choose a Corporate Trustee?</title>
		<link>http://blog.ubat.com/index.php/2012/03/27/why-choose-a-corporate-trustee/</link>
		<comments>http://blog.ubat.com/index.php/2012/03/27/why-choose-a-corporate-trustee/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 20:56:56 +0000</pubDate>
		<dc:creator>John L. Arenz J.D.</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=576</guid>
		<description><![CDATA[Trust agreements are often created to achieve estate planning objectives, and to effectuate tax-advantaged charitable giving. Sometimes, the creator (“grantor”) of a trust agreement also assumes the role of its manager (“trustee”). In this regard, the grantor may name a family member or a friend as successor trustee in the event he or she can [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When It Comes to Tax Planning, Don’t Be Afraid to Think Outside the Box!</title>
		<link>http://blog.ubat.com/index.php/2012/03/12/when-it-comes-to-tax-planning-don%e2%80%99t-be-afraid-to-think-outside-the-box/</link>
		<comments>http://blog.ubat.com/index.php/2012/03/12/when-it-comes-to-tax-planning-don%e2%80%99t-be-afraid-to-think-outside-the-box/#comments</comments>
		<pubDate>Mon, 12 Mar 2012 19:23:36 +0000</pubDate>
		<dc:creator>Tonia-Marie Wander</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=568</guid>
		<description><![CDATA[I recently did a financial plan for a client and was able to increase the amount of money she could expect to have throughout her retirement years by almost $100,000 – 29%. She could do this without increasing her expected investment returns, working longer, or decreasing her expenses. 
How could she do it?
By contributing over [...]]]></description>
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		<title>2012 Commercial Real Estate Outlook</title>
		<link>http://blog.ubat.com/index.php/2012/01/13/2012-commercial-real-estate-outlook/</link>
		<comments>http://blog.ubat.com/index.php/2012/01/13/2012-commercial-real-estate-outlook/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 02:07:41 +0000</pubDate>
		<dc:creator>Jeff Kleinschmidt</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=564</guid>
		<description><![CDATA[The start of the new year provides me with the opportunity to plan and think about the year ahead. As we continue on the path of economic recovery, I just received this interesting overview from the Mortgage Bankers Association regarding the Deloitte 2012 Commercial Real Estate Outlook. 
Here are a few important  observations that [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Great Finances in 2012!</title>
		<link>http://blog.ubat.com/index.php/2011/12/27/great-finances-in-2012/</link>
		<comments>http://blog.ubat.com/index.php/2011/12/27/great-finances-in-2012/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 16:14:50 +0000</pubDate>
		<dc:creator>Todd Clark</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Financial Education]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=554</guid>
		<description><![CDATA[Happy Holidays everyone!
As we prepare to close 2011, we want to take a few minutes to reflect on the great things that happened, but we also want to prepare for a wonderful 2012! Many people are making resolutions about their physical health in the New Year, and as a community bank, we hope to help [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>New Withholding Requirements for Retirement Accounts</title>
		<link>http://blog.ubat.com/index.php/2011/11/29/new-withholding-requirements-for-retirement-accounts/</link>
		<comments>http://blog.ubat.com/index.php/2011/11/29/new-withholding-requirements-for-retirement-accounts/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 21:49:19 +0000</pubDate>
		<dc:creator>Carol A. Sewell</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=545</guid>
		<description><![CDATA[Effective January 1, 2012, United Bank &#038; Trust along with other Michigan financial institutions, are required to withhold Michigan income tax from distributions from certain retirement accounts (including traditional IRAs and employee benefit plans) made to Michigan residents. Although there are ongoing discussions between the State of Michigan and the Michigan Bankers Association (“MBA”) regarding [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>United Structured Finance Company Is the Number-One SBA 7a Lender in Washtenaw, Livingston, and Lenawee Counties</title>
		<link>http://blog.ubat.com/index.php/2011/11/16/united-structured-finance-company-is-the-number-one-sba-7a-lender-in-washtenaw-livingston-and-lenawee-counties/</link>
		<comments>http://blog.ubat.com/index.php/2011/11/16/united-structured-finance-company-is-the-number-one-sba-7a-lender-in-washtenaw-livingston-and-lenawee-counties/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 01:51:03 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=541</guid>
		<description><![CDATA[United Structured Finance Company (USFC) was ranked as the number-one Small Business Administration (SBA) lender in Washtenaw, Livingston, and Lenawee Counties and number-three in the state of Michigan for the fiscal year ending September 30, 2011 (in SBA 7a dollars approved) based upon information provided by the SBA. We financed more than $30 million in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Considering a Move Away from a Big Bank?</title>
		<link>http://blog.ubat.com/index.php/2011/10/28/considering-a-move-away-from-a-big-bank/</link>
		<comments>http://blog.ubat.com/index.php/2011/10/28/considering-a-move-away-from-a-big-bank/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 04:24:17 +0000</pubDate>
		<dc:creator>Todd Clark</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=536</guid>
		<description><![CDATA[Are you tired of the new fees popping up at larger national banks? Not getting the type of service you deserve? May be it’s time to consider a new banking relationship. United Bank &#038; Trust is extremely proud of the service and solutions we provide our clients each and every day because we continue to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Special Needs Trusts: Managing to Protect Loved Ones with Disabilities</title>
		<link>http://blog.ubat.com/index.php/2011/10/24/special-needs-trusts-managing-to-protect-loved-ones-with-disabilities/</link>
		<comments>http://blog.ubat.com/index.php/2011/10/24/special-needs-trusts-managing-to-protect-loved-ones-with-disabilities/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 14:54:30 +0000</pubDate>
		<dc:creator>John L. Arenz J.D.</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Investing and Wealth Management]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=531</guid>
		<description><![CDATA[Some have heard of Special Needs Trusts, but do not fully understand their significance. A Special Needs Trust is like an ordinary Trust in that it acts as a container to hold property and assets for someone else’s benefit. However, a Special Needs Trust is carefully drafted to protect an individual who has a disability [...]]]></description>
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		<slash:comments>0</slash:comments>
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