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HonorBank   Business Advisor 
May 
2011
Community News 

 

 Crystal Lake Community Business Association hosted its' annual Easter Egg Hunt at Memorial Park on Saturday, April 23.  Honor Bankers' at the Benzonia Branch stuffed over 2,000 eggs with stickers and candy for this popular event.

 

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 That'sa Pizza: Customer Testimonial
thatsa pizza 

 -By Tracy Coe, Owner

 

When Ben and I were trying to secure a loan to buy  a That'sa Pizza property  in 2000 we went directly to Old Kent (now Fifth Third) mainly because Ben's parents had a relationship with the bank.  It was there that we met Troy Noble.  After recieving financing, our banker retired and Troy inherited our account.

 

A few years later when looking for financing to buy the  That'sa Pizza property in Acme, we met with Troy once again and were impressed with his knowledge and immediately trusted his advice.  He walked us through the process every step of the way  and made us feel completely comfortable.  When it became time to expand That'sa Pizza, there was no question about where to start.  We met with Troy once again and he made it happen!  Our latest experience with Troy Noble came in 2009 when I was attempting to buy Hazlenut Kids, an online natural toy store.

 

Troy was no longer with Fifth Third, but I didn't want to work with anyone else, so I tracked him down at Honor Bank.  This was immediately following the financial crisis, so getting an SBA loan was not an easy task.  Well, once againTroy walked me through every detail, helped me get my ducks in a row and made it happen!  Troy Noble is an expert in business financing and just a great guy to work with.  And I have to say the other folks at Honor Bank are equally nice to deal with.


caruso  

 

5 Cool Ideas for Motivation

From www.MichaelAngeloCaruso.com

 

Choice is a powerful motivator.  When confronted with making a choice between pleasure or pain, people are often motivated to make the right decision. Here are 5 Cool Ideas for motivation.

 

1.  There is always reward or consequence.

For everything we do, there is either reward or consequence.  For everything we don't do, there is reward or consequence, as well. Reward and negative consequence are terrific motivators.  When we assess a situation and make a good decision about what to do, we proactively generate a desirable result. That desired result reinforces our need to be rewarded again.

 

2.  You  never get to win the management game.

You just get to keep playing.  And you only get to keep playing if you think five moves ahead of negative angels, underperformers and passive-aggressive personalities.  For that matter, you never get to win the sales game or the relationship game either.  My old friend and coach Joe Gilliam used to say that the only way to stay five moves ahead is to continually process new information.

 

3.  Cancel negative info with positive info.

Negative angels deliver demotivating messages like "you're not good enough" and "that idea would never work."  Negative angels can be coworkers, angry customers, bosses and family members.  Positive angels deliver motivating messages like "you're exceptional" and "you can do it." Positive angels can be coworkers, angry customers, bosses and of course, family members.  Positive angels can also be authors, seminar leaders and dead people, like Martin Luther King and Benjamin Franklin. 

 

4.  Pain will find you.

How's that for a motivational and upbeat idea? Like it or not, life will have pain and discomfort.  Jobs will go away, natural disasters will occur and people will die.  The goal is to be prepared for such situations by establishing a network of quality friends, a cache of material resources and a good outlook to help get you through the tough times. 

 

5 .  Priming the pump will keep you motivated.

In order to be motivated, you must take care of yourself. Get plenty of sleep and balance your schedule with work and play. Eliminate enough television time to allow for regular exercise and trips to the museum. Eat right because if you don't feel good about your life, you will never able to help others feel good about their lives.

 

  

News You Can Use

 

 
  

Trust in us...

to help you find a rate that makes your lifestyle more affordable.

 

Honor Bank is pleased to offer a new 5/1 Adjustable Rate Mortgage

with 4.99% interest. For owners of upscale homes in northern Michigan, with loans greater than $417,000, the savings can be substantial!

 

Contact an Honor Bank mortgage professional for more information,

and we'll send you a $20 VISA gift card. This offer is available to qualified prospects for a limited time only. Please call today.

 

Toll Free: 877.325.8031 | www.myhonorbank.com

Alan Luedtke ext. 1783 | Jim Hills ext. 1813

 

 * 3.712% Annual Percentage Rate (APR). APR example based on $500,000 loan amount; 70% loan-to-value; borrower profile with excellent credit; calculated using the 1 Year T-bill rate (index) as of 04.19.11, plus a 2.75% margin.

 

 

 

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