Account Management Options for Persons with Dementia or Diminished Capacity

September 25, 2019, by Mac Frasier

A new diagnosis of Dementia can lead to many questions for both patients and caregivers. After the inquiries about medical care and treatment options the focus generally turns towards the management of a patient’s financial assets. In early stages of dementia that patient may be able to contribute in the planning process and still sign legal documents. In fact, the Alzheimer’s Association states, “As long as the person has the legal capacity (the ability to...

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Planning Checklist for persons recently diagnosed with Dementia

September 25, 2019, by Mac Frasier

After receiving a diagnosis of dementia, the thought of all the planning that needs to take place can be a great source of anxiety for both caregiver and patients.  However, getting started with planning sooner can allow the person with dementia to play a more active role in planning for their care.  While there are many things that need to be discussed when it comes to planning, they can really be divided into 3 key...

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Episode 57 of Trading Perspectives Podcast

September 23, 2019, by Sara McPherson

Drone Attack on Saudi Arabian Oil Fields Last week 8 drones attacked the Aramco oil fields in Saudi Arabia, ultimately causing increased tensions in the middle east.   The attacks took out 50% of Saudi Arabia’s oil production and 5% of the worlds global output.  Crude oil, which is used for more than just gasoline, remains a controversial topic in the US as many American’s want to stop oil production in the US altogether.  What do...

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Episode 56 of Trading Perspectives Podcast

September 16, 2019, by Sara McPherson

Climate Change There has been something strange about recent weather patterns.  Temperatures have been unusually high, even for those of us accustomed to them. It’s not surprising when you consider 7.7 billion people, requiring food to eat, water to drink, clothes and shoes to wear, and a dry place to put their head a night, will consume a lot of natural resources around the global, ultimately putting some level of stress on the environment. What...

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Common Sense & Scorching Temps on September 13, 2018

September 13, 2019, by John Norris

It has been blisteringly hot here in central Alabama, seemingly forever. You expect hot weather when you live here; however, recent high temperatures have been unusual even for those of us accustomed to them. So much so, climate change was a popular topic of discussion at a cocktail party I attended in Montgomery, Alabama, this past Thursday night. You read that right: climate change was a topic of discussion at a recent cocktail party in...

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Episode 55 of Trading Perspectives Podcast

September 9, 2019, by Sara McPherson

Negative Interest Rates in the United States Last week, former chairman of the Federal Reserve, Alan Greenspan, said that it’s only a matter of time before negative interest rates spread to the United States.  In this episode of Trading Perspectives John and Sam talk about why much of Europe has negative interest rates and what would need to change for that to happen here. If American risk tolerance were to change, could the US sustain...

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Common Cents & US Negative Interest Rates? Common Sense? September 6, 2019

September 6, 2019, by John Norris

This week, a friend of mine sent me an article she felt I might find interesting. Actually, calling it an article might be a bit of a stretch, as it wasn’t much more than a few hundred words. However, it was enough of one to warrant its own headline, and what a headline it was: Alan Greenspan says it’s ‘only a matter of time’ before negative rates spread to US. That is exactly how it...

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Episode 54 of Trading Perspectives Podcast

September 3, 2019, by Sara McPherson

The American Empire Throughout history, empires have come and gone, but they have all had some common characteristics. The American empire is a little different. This week John and Sam discuss economic growth of countries and how the US empire works on a financial and economic basis. How does the US fit into Global GDP historically? What role has the United States played in this new period of accelerated growth and are we the cause or...

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For Second Year in a Row, Oakworth Capital Bank Named #1 Best Bank to Work for in the Nation by American Banker

September 3, 2019, by Lindsey Owens Krausen

For the second year in a row, Oakworth Capital Bank has been named the number one best bank to work for in the United States.  The Best Banks to Work For program, initiated in 2013 by American Banker and Best Companies Group, identifies, recognizes and honors U.S. banks for outstanding associate satisfaction. Full results of this year’s program are available at American Banker and in the September issue of American Banker Magazine. “Our associates are...

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Common Cents & The Shrinking Blue-Collar Middle Class on August 30, 2019

August 30, 2019, by John Norris

In response to last week’s newsletter, I received an email which asked the question and made the statement: “does our trade deficit really matter? After all, cheaper goods benefit the US consumer, which is the largest part of the economic equation.” The answer is: it probably doesn’t. Some years ago, I heard a somewhat well-known economist say it isn’t important if the United States makes or exports anything, as long as foreigners continue to invest...

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