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	<title>United Bank &#38; Trust Blog</title>
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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>
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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>
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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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		<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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		<title>National Save for Retirement Week: October 16 &#8211; 22</title>
		<link>http://blog.ubat.com/index.php/2011/10/14/national-save-for-retirement-week-october-16-22/</link>
		<comments>http://blog.ubat.com/index.php/2011/10/14/national-save-for-retirement-week-october-16-22/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 05:08:15 +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=523</guid>
		<description><![CDATA[When it comes to saving for retirement, there is never a better time than today to assess your prospects toward meeting your goals. And with our nation&#8217;s leaders declaring Oct. 16 through Oct. 22 as National Save for Retirement Week, you have a great opportunity. 
National Save for Retirement Week is the first congressionally endorsed, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Reason #3 Why United Bank &amp; Trust Is Supporting the Big House Big Heart Race!</title>
		<link>http://blog.ubat.com/index.php/2011/09/23/reason-3-why-united-bank-trust-is-supporting-the-big-house-big-heart-race/</link>
		<comments>http://blog.ubat.com/index.php/2011/09/23/reason-3-why-united-bank-trust-is-supporting-the-big-house-big-heart-race/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 04:24:50 +0000</pubDate>
		<dc:creator>Pam Jones-Sexton</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Health Care Services]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=517</guid>
		<description><![CDATA[First, we covered the U-M Cardiovascular Center, then the U-M Program for Neurology Research &#038; Discovery, and finally let’s review the importance of C. S. Mott Children’s Hospital and Women’s Hospital.     
The leaders and best are about to get even better with the opening of the new University of Michigan C.S. [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/09/23/reason-3-why-united-bank-trust-is-supporting-the-big-house-big-heart-race/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips for Creating a Successful Business</title>
		<link>http://blog.ubat.com/index.php/2011/09/14/tips-for-creating-a-successful-business/</link>
		<comments>http://blog.ubat.com/index.php/2011/09/14/tips-for-creating-a-successful-business/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 02:41:30 +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=507</guid>
		<description><![CDATA[I came across these 10 tips for creating a successful small business &#8211; and while I am sure there are numerous top 10 lists with the same subject matter &#8211; I thought this did a good job encompassing a lot of things that I as a lender look for when meeting with potential borrowers. 
10 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Another Reason Why United Bank &amp; Trust Is Supporting the Big House Big Heart Race!</title>
		<link>http://blog.ubat.com/index.php/2011/08/26/another-reason-why-united-bank-trust-is-supporting-the-big-house-big-heart-race/</link>
		<comments>http://blog.ubat.com/index.php/2011/08/26/another-reason-why-united-bank-trust-is-supporting-the-big-house-big-heart-race/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 04:50:50 +0000</pubDate>
		<dc:creator>Pam Jones-Sexton</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Health Care Services]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=501</guid>
		<description><![CDATA[Last month we covered the U-M Cardiovascular Center, as part of our series on United’s commitment to this year’s Big House Big Heart event, please click here to read our first installment. 
Let’s now focus on the U-M Program for Neurology Research &#038; Discovery. This program is led by Dr. Eva Feldman and is made [...]]]></description>
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