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	<title>United Bank &#38; Trust Blog</title>
	<link>http://blog.ubat.com</link>
	<description>United Behind You.™</description>
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		<title>Understanding health reform and its impact on the business community</title>
		<description><![CDATA[The country is nearly six months into health-care reform with the new law President Obama signed, called the Patient Protection and Affordable Care Act (PPACA).
No matter your political affiliation, you may be asking yourself &#8211; what does this mean to our community?  What are the effects on the health care providers, the leadership teams that [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/09/02/understanding-health-reform-and-its-impact-on-the-business-community/</link>
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		<title>What does it take to reduce debt?</title>
		<description><![CDATA[This is a question being asked by millions of consumers in today’s world of uncertainty. There is no silver bullet or magic. It will take time, but more importantly it will take dedication and commitment, but it can be done. Recently, several leaders at United Bank &#38; Trust facilitated a 12-week class using Dave Ramsey’s [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/08/26/what-does-it-take-to-reduce-debt/</link>
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		<title>Cash is King in Small-Biz Lending</title>
		<description><![CDATA[In the recent Wall Street Journal article Collateral Damage in Lending, they discussed several items that we feel are great opportunities to clarify for potential borrowers.
Lack of Collateral
A lack of collateral shouldn’t be a reason to deny a loan under the Small Business Administration (SBA) program. The SBA does allow for the approval of loans [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/08/11/cash-is-king-in-small-biz-lending/</link>
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		<title>Senate Procedural Vote Fails to Advance Small-Biz Lending Bill</title>
		<description><![CDATA[The Senate yesterday fell two votes short of the 60 needed to limit debate on a new substitute amendment to the American Bankers Association (ABA) backed small-business lending bill (H.R. 5297). All GOP senators voted against the measure in a 58-42 cloture vote, and the chamber moved on to other business. Senate Majority Leader Harry [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/07/30/senate-procedural-vote-fails-to-advance-small-biz-lending-bill/</link>
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		<title>Keeping Informed</title>
		<description><![CDATA[I remember the day when the 11:00 p.m. evening news and the daily newspaper (printed version) were my primary sources of current news and information. An hour in the morning and an hour in the evening and I could get a real good feel for the information to keep me up to date and relevant. [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/07/20/keeping-informed/</link>
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		<title>Hardest Hit Homeowner Fund</title>
		<description><![CDATA[I was recently in Lansing representing the Michigan Banker’s Association (MBA) supporting the Hardest Hit Homeowner fund, which has been created to help consumers who are currently receiving unemployment benefits, may have fallen behind in their mortgage payments due to unforeseen circumstances such as a medical emergency, or can no longer afford their mortgage payments [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/07/14/hardest-hit-homeowner-fund/</link>
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		<title>SBA lending slips as stimulus cash dries up</title>
		<description><![CDATA[CNN Money reports stimulus money helped revive the government&#8217;s small business lending program after the recession threw it into a near freeze. But this quarter, as the bonus funds ran out, the program&#8217;s growth again began to stall. In essence lending volume dropped by 75% and dollars lent dropped by nearly 84% compared to the [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/07/09/sba-lending-slips-as-stimulus-cash-dries-up/</link>
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		<title>Community Banks and Small Businesses – A Natural Fit?</title>
		<description><![CDATA[Recently a great article appeared in Inc. magazine. Written by Christine Lagorio, she asks the question: How to Choose the Right Bank for Your Small Business
In the article she suggests that a community banks is often the more practical and fitting choice for a small business. Since we live in work in our communities and [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/06/28/community-banks-and-small-businesses-%e2%80%93-a-natural-fit/</link>
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		<title>$32 for a Starbucks?</title>
		<description><![CDATA[If you have not already, you will be hearing from your various financial institutions, including United, on new overdraft service regulations affecting your Debit or ATM card. These new regulations come from the Federal Government – and while they are changing many things about banking – we feel they are a good thing for all [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/06/21/32-for-a-starbucks/</link>
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		<title>Small businesses account for 65% of new job growth</title>
		<description><![CDATA[In an analysis of small businesses and jobs the SBA Office of Advocacy says that over a recent 15-year period, small businesses created some 65 percent of the net new jobs in the private sector. (http://www.sba.gov/advo/research/rs359tot.pdf)
SBA Advocacy economist Brian Headd notes that many of the new jobs are in new business start ups, but an [...]]]></description>
		<link>http://blog.ubat.com/index.php/2010/06/09/small-businesses-account-for-65-of-new-job-growth/</link>
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