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If you like any original series from these streaming giants, the only place you’re going to catch them is on their websites and apps. Nowadays it doesn’t even have to be from your television. But what’s the best way to effectively curb your costs on a monthly cable bill? Not everyone wants the same shows to watch.

Every employee plays an important role in the workplace, and losing them suddenly is always detrimental to the business. It takes time to replace a quality worker that many companies don’t have the extra time to do. However, there are insurance measures that can be put in place in order to make sure that a business can recover from a major loss while still assisting the family of the late worker. c

Emboldened by solid domestic economic growth, the Administration launched a trade war on our southern border in the form of proposed 5% tariffs on exports coming into the United States from Mexico. The proposed tariffs are a retaliatory move focused on the entry of illegal immigrants into the United States.

It may seem like an impossible task, competing with mega companies that seem to have an endless cache of money and resources. However, there are ways that even small businesses can compete in this David and Goliath story.

Whether it’s the basement, attic, or an extra room in the house, the Man Cave has come to represent an area where a man can relax and rewind. Most man caves are filled with gadgets and electronics to rival any tech store, but what they really represent are a place where a man can feel like there is a place where he can express himself. No frills or doilies, just a pure testosterone-filled room perfect for the things he truly loves.

Summer is quickly approaching us, which means your kids are going to be out of school. This also means it’s time to keep them entertained until school is back in session. At-home summer camps are a great idea to help keep children entertained while on a budget.

Emboldened by solid domestic economic growth, the Administration launched a trade war on our southern border in the form of proposed 5% tariffs on exports coming into the United States from Mexico. The proposed tariffs are a retaliatory move focused on the entry of illegal immigrants into the United States.

While lawyers may be focusing on their cases and the industries in which they represent, they are still operating as a business. Whether it’s criminal law, environmental law, financial and social services, all law offices must obtain business insurance to cover the various risks that they are open to. Professional liabilities related to the legal services they provide can arise from even the smallest mistake, so it’s important to invest in the various types of business insurance offered by local providers.

Jim Donovan will focus on BMT’s expanding commercial and business banking services and oversee the C&I, Small Business and SBA lending groups. His appointment is part of BMT’s strategic plan to ensure the bank is well positioned to support its growth initiatives.

Acorns’ Grow, a CNBC.com affiliate, sought expert market insight from Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, at 2019’s halfway point. Ernie provided his outlook for the markets through June and beyond as trade negotiations between the U.S. and China continue.

In Pennsylvania, individuals looking for the right personal insurance options for their automobile coverage have a few choices. Citizens in the state can choose between full tort, which allows policyholders to sue for pain and suffering, and limited tort and forfeit the right to compensation when it comes to pain and suffering. A limited tort option typically offers a small discount on a monthly premium.

In the last 20 years, individual states in the country began implementing workers’ compensation laws that require companies to provide medical expense reimbursements and other benefits to employees who fall victim to a workplace injury or illness. From major corporations to small businesses, workers’ compensation has become a regular component of benefits packages for employees.

Small business owners enjoy great freedom. Along with the long hours and hard work, they have the freedom to set their own hours, make decisions for their business, and decide on the best retirement plan for their own retirement and for their employees.

For its mid-year investing guide, Money consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for an updated analysis of the markets. Ernie articulated how even the slightest change in the Fed’s decision to raise interest rates in the future can have a profound impact on our economy and the pricing of financial assets.

Let’s face it. We all struggle with finances from time to time. Some people seem to be stuck in a perpetual hamster wheel where they run faster and faster but seem to get nowhere or even farther behind! Now that summer is approaching, there is no better time to get off that hamster wheel, grab a few books on personal finance, and make changes that will allow you to become more financially stable.

Most individuals think they don’t have the money for a perfectly manicured, elaborately decorated backyard. The good news is that there are many ways to spruce it up yourself, on your own time, and save a little money in the process. With a little elbow grease, there are endless ways you can add a personal touch to your yard. Big yard or small, there’s no reason why your lawn can’t be well-maintained and visually appealing. As an added bonus, investing in your lawn will likely bring you back a return on your investment should you decide to sell your house.

Working outside of a regular 9 to 5 job to make extra money is called a side-hustle, and many Americans add to their monthly income in this manner. A side hustle can become more than just a way to make extra money. It can become a great way to explore a current passion and rethink it into a full-time career move.

The age-old question of “Is it cheaper to eat out than cook at home?” really depends on several factors: the type of restaurant, how many are eating, and the cost to eat the same meal at home.

Drowning doesn’t just happen out on open water. It also can happen in the backyard of anyone with a pool. Having a pool comes with a huge responsibility: taking certain measures helps make sure that everyone stays safe.

The trade saga continued last week as both China and the U.S. indicated more tariffs are potentially on the way.  The new developments follow President Trump’s prior week decision to increase levies on $200 billion in Chinese goods from 10% to 25%.On Monday, May 13, Beijing retaliated by saying it will increase tariffs on $60 billion in U.S. goods while the U.S Trade Representative, Mr. Robert Lighthizer, announced it was laying the groundwork for a new round of potential tariffs on roughly $300 billion of Chinese imports.

Experts have found that kitchen remodeling is the second most common remodeling project, next to bathrooms. Considering that a kitchen is an essential component to any home, it’s no wonder that a remodeling job is a worthy investment. But what about the costs?

Choosing the right home insurance deductible is an important step when it comes to getting the most of a policy. Every homeowners insurance policy has a deductible, so it’s important that everyone involved in ownership has a say. But what is all considered when choosing the right deductible and what are some factors that play a role?

Ready to be your own boss? The service business industry is booming and there are hundreds of different ways to make money. There are six different types of service business groups: Personal, Sales and Marketing, Home, Technology, Children’s, and Event Services.

The U.S. financial markets were largely focused on one event over the past week: trade negotiations between the U.S. and China. President Trump heightened the consequences of these negotiations last Sunday when he announced that tariffs would be increased on Chinese imports late in the week, seemingly trying to increase the pressure on China to agree to a deal.

Experts have found that kitchen remodeling is the second most common remodeling project, next to bathrooms. Considering that a kitchen is an essential component to any home, it’s no wonder that a remodeling job is a worthy investment. But what about the costs?

As the U.S.-China trade conflict simmered, Reuters turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his insight on how those negotiations were being reflected in bond market activity. Jim noted that while things are generally more positive, uncertainty is still in the air.

Congratulations on your engagement! Engagements are always exciting; you’re celebrating a new chapter in life that brings in many changes. Big changes always come with new responsibilities, however. While it’s not about the money being spent, it’s going to be a factor in any wedding. All in all, getting married is expensive for any couple’s budget.

U.S. News & World Report consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to learn what investors should know about bond ratings. Jim urged investors do their homework with any bond purchase to ensure they are comfortable with the associated credit risk.

What do you get the mom who already has everything she needs? Something she really wants but would never buy for herself! Finding the perfect Mother’s Day gift requires more than sending flowers. Look at these 6 great Mother’s Day gift ideas for the mom who has everything.

In personal finance, experts advise to keep enough cash in savings to run your household for 6 months. This is true in business, too. In fact, having a substantial safety net can mean the difference between staying in business or going bankrupt. Here are some tips on how much cash should be kept in reserve for a business.

Following the stock market’s two percent pullback, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for insight on the magnitude of this selloff. Despite the substantial decline, Ernie reminded investors that the market had recovered nearly all it had lost in the fourth quarter.

Lease, borrow, finance, or pay cash. As a business owner, it can be time consuming to try and determine how to purchase new equipment. Whether it is office equipment, business supplies, or business equipment, there are certain pros and cons with each option. Let’s focus on business equipment.

As trade tensions between the U.S. and China re-ignite, USA Today turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his market analysis. Ernie explained that the market had likely priced in substantial progress towards resolving trade negotiations and thus fluctuated as a result of the latest tariff threats.

International equity markets declined sharply in early Monday trading. U.S. equity markets and oil futures also plunged, as U.S. Treasuries caught a safe haven bid.

Any time you purchase a home, there are many things that you have to consider. If you’re thinking about buying a second home or a summer home to spend your vacations at, there’ll be some things to consider that you don’t ordinarily think about when buying a house.

U.S. News & World Report consulted Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, about how single moms should prepare financially for their family’s future. Despite the demands that come with single parenting, Jen encouraged prioritizing retirement savings and maintaining an emergency fund.

Who isn’t interested in becoming a millionaire before 35? At first, it may seem like an impossible task, only for those who hit the lottery, receive an inheritance or have a high-paying job. This is simply not true. What it takes are the following principles to follow. Ready, set, save!

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, discusses the two-day Federal Open Market Committee (FOMC) meeting that concluded on May 1 as well as the post FOMC meeting press conference held by Chair Jerome Powell.  Jim noted a healthy labor market combined with strong first quarter economic growth was enough to partly overshadow the recent weakness in inflationary data.  Overall, the Federal Reserve left the federal funds target range unchanged between 2.25% and 2.50%.

Reputation is everything for any business. Big or small, it’s important to protect your brand. Many people utilize search engines—namely Google—to search for things. That’s not to mention the lightning speed of sites like Twitter. But all of this comes as a double edged sword.

Jim Donovan will focus on BMT’s expanding commercial and business banking services and oversee the C&I, Small Business and SBA lending groups. His appointment is part of BMT’s strategic plan to ensure the bank is well positioned to support its growth initiatives.

The renting vs buying debate has always included the same considerations: home price, length of time staying, interest rate, type of mortgage, growth rate, taxes, closing costs, HOA fees, maintenance, and other hidden costs.

Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Bloomberg about technological advancements designed to streamline the process of obtaining allocations of new debt. Jim noted that he is keeping a close eye on this development to see how it could improve the fixed income investment process.

When thinking of a grand opening for a new office, words such as excitement, curiosity, and interest pop into mind. With the perfect time for a grand opening a couple of weeks after opening the office, it is an ideal time to network with other local businesses and make mutually beneficial partnerships.

It’s an exciting time. Starting up a new business, finding the perfect location for a home office, and buying equipment are just a few of the to do items on an already overwhelming list. However, before diving into any hard-earned capital to pay for equipment, consider the following.

BMT Wealth Management’s market summary this week discusses how after a torrid start to the new year, stocks ended the holiday-shortened week essentially unchanged. Given the gains to-date, they likely deserved a breather. This week, earnings season kicks into a higher gear.

Things have changed with technology and the Internet. But with the continues growth of ecommerce, things have gotten a little bit more complicated to deal with. Nowadays, everyone has to have an online store. To not even have one social media page is detrimental to the sales that a business can have.

The Wall Street Journal consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, about the best investment strategies for retirees amid a low interest rate environment. Jim noted the advantages of short-maturity corporate bonds and cautioned retirees against investments with greater potential for risk and price volatility, such as lower-rated, high-yield corporate bonds.

With the way technology rapidly develops across various landscapes like the internet, all a business can do is make sure that they are not left clueless when hit with a cyber problem. Here’s all of the reasons why cyber insurance has become a necessity for every business.

BMBC today reported net income of $10.7 million, or $0.53 diluted earnings per share for the three months ended March 31, 2019, as compared to net income of $17.1 million, or $0.84 diluted earnings per share, for the three months ended December 31, 2018, and $15.3 million, or $0.75 diluted earnings per share, for the three months ended March 31, 2018.

While the majority of American adults say they always try to save, most admit they don’t save enough. Even though a large percentage of individuals have the intentions of saving money, very few are saving the amount that they said they would.

CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his market analysis following the latest corporate earnings reports. Ernie pointed to the healthcare sector as an area investors should continue to watch closely amid political tensions and potential regulatory changes.

Love art? Dream of having an original Warhol on your wall, but can only afford to buy a can of Campbell’s soup? Try these decorating tips to bring art to your walls without breaking the bank.

With tax season almost over, many have already began the wait for their tax refund. Unfortunately, some who are waiting might have noticed a drop in their annual return. While a financial dip can lead to feelings of stress, it’s important to always put yourself first.

BMT Wealth Management’s market summary this week discusses the minutes from the Fed’s March 19-20 FOMC meeting as well as consumer price data that provided further evidence of low inflation. Last week, the S&P 500 Index rose +0.56% led by the financial sector while U.S. Treasury yields increased across the yield curve on investors’ more optimistic view towards the global economy.

Whether it is to make a career change or just “dip a toe” into the waters of making a little extra money, a weekend start-up business can be a perfect fit for anyone. Depending on a person’s particular talents, interests, likes or dislikes, here are some startup ideas to choose from for a weekend business that won’t break the bank.

There are two places to spend money when remodeling that will add instant value to a home: the kitchen and the bathroom. However, remodeling can quickly run into tens of thousands of dollars. Follow these kitchen remodeling tips to save money, increase equity, and get the most bang for your buck.

Ernie Cecilia, Senior Vice President and Chief Investment Officer at BMT Wealth Management, sits down to reflect on the fourth quarter of 2018 through the lens of the recently closed first quarter of 2019. He also looks ahead at the financial markets and how they affect investments. Ernie also provides analysis of our globally-connected economy with a look at the IMF’s global growth forecast and international manufacturing data, trade and tariffs, and consumer demand.

Installing a complete camera security system can run into thousands of dollars, not to mention the monthly fees associated with upkeep and monitoring. Instead, homeowners can use landscaping to beef up their home security and increase their curb appeal.

Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Kiplinger about the advantages of municipal bond funds. Jim explained that individuals in a high marginal tax bracket are in a good position to benefit from tax free municipal bond income.

The fairly popular pop-up shop retail experience is not a new phenomenon. In fact, pop-up retail stores have been around for years. Halloween and holiday stores have been popping up in malls for decades. However, opening up a pop-up shop is more than just setting up a few tables and placing an open sign on the door. In today’s pop-up hot-spots, it takes forethought, planning, and an understanding of the clientele in order to run a successful store.

The BMT Wealth Management Spring 2019 Economic and Market Outlook highlights events in the first quarter, as well as providing our insights for the balance of the year. A key issue is the shift in focus to slower economic growth on a global basis and what that may portend for the financial markets. We explain the recent brief yield curve inversion and what it means for the pricing of financial assets. We close the piece with a brief “look ahead” as to the length of this economic recovery and the issue of risk.

Barron’s consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to discuss how to build a bond ladder as a source of reliable income in retirement. While this strategy is particularly beneficial in uncertain interest rate environments, Jim explained that AAA-rated municipal bonds and corporate bonds are slightly riskier but can offer better yields than alternatives.

Taking a vacation can take a bite out of any savings account. Spending your line of credit wisely with budget friendly, yet enjoyable vacation spots can leave you feeling relaxed, refreshed, and in control of a tight budget. Try these top affordable vacation spots in the U.S. to keep you budget in check while you have fun on a vacation.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, provides commentary on the U.S. labor market report that was released this morning. In addition to explaining why labor market data is important, Jim reports on the market’s overall reaction to the report and what it tells us about the U.S. economy. Finally, he discusses the BMT investment team’s outlook.

For those looking to earn extra money, starting a seasonal business in spring is the perfect time of year! Seasonal businesses are growing in popularity because they can be started quickly, last for a few months, and leave the rest of the year for other passions. Consider some of these business ideas for spring.

Businesses often work with vendors to improve different aspects of operations.Third party exposure to secure systems and sensitive information poses a great risk to companies and their customers. Organizations commonly struggle to implement a wide approach to vendor management due to barriers such as lack of standardized and centralized processes, no formal single point of contact, no central repository, and limited adoption of vendor management policies.

Whether you decide to pay someone to do your taxes depends on your tolerance for crunching numbers and having at least a basic understanding of tax rules. If calculations are your thing, you’ll probably be fine on your own. Though you might want to keep a tax professional’s number on hand because you’ll probably have at least a few questions as you go along. Otherwise, you might want to pay someone to deal with your return.

In part two of our series on section 199A of the Tax Cuts and Jobs Act, BMT’s Jen Fox and attorney Tony Lopes turn their attention to real estate investments. They discuss qualifying for a 199A deduction in terms of operational rules, safe harbor requirements, business structures, record keeping practices, QBI and more. This episode is recommended listening for real estate investors in search of an educational primer in advance of sitting down with their accounting and legal advisors.

Experienced entrepreneurs know that business insurance is just as vital as a business plan, a marketing strategy, or product development in ensuring the longevity and success of a business. The protection can make or break what you’ve worked so hard for.

BMT Wealth Management’s market summary this week provides an outlook on global equity markets. We point out the recent performance of small cap stocks, its implications for the durability of this market recovery and the impact on sub-equity asset allocation strategy. We also provide an update to the yield curve inversion hysteria from last week.

In part one of this two-part podcast, BMT Wealth Management President Jen Fox sits down with attorney Tony Lopes to discuss section 199A – of provision 11011 – of the 2017 Tax Cuts and Jobs Act. They focus on the “nuts and bolts” of 199A, possible tax-time implications, considerations for entrepreneurs, and much more.

Siblings often have different personalities, and their places in the birth order may be partially responsible. We tend to associate first-born siblings with leadership and success and “the baby of the family” with rule-breaking and humor. While science doesn’t universally back up those assumptions, some experts have found that one’s place in the birth order can have a lasting impact on professional success.

The choice whether to rent or buy can be confusing, especially in today’s housing market. Fear of rising interest rates, lack of inventory, even where you want to live can factor into the choice of renting or taking on a mortgage.

As U.S.-China trade negotiations linger on, Bloomberg consulted Ernie Cecilia, Chief Investment Officer of Bryn Mawr Trust, to discuss how markets are reacting as a result. Ernie explained that negative news headlines, such as those covering the trade war, create uncertainty and, therefore, cause markets to fluctuate.

Bryn Mawr, Pa., March 28, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the appointment of Mark Henderson, as Senior Vice President, Director of Capital Markets. Mr. Henderson reports to Neil Orechiwsky, Senior Vice President and Managing Director of Capital Markets.

Remote work arrangements have grown in popularity in recent years, propelled by feature-rich SAAS (software as a service) tools that allow employees, teams, and entire companies to communicate and work seamlessly, regardless of their physical location.

With television renovation shows’ popularity at an all-time high, it may seem tempting to renovate your home. However, it may actually be less expensive to tear down your home and start from scratch. Before deciding to renovate or rebuild, be aware of the 5 major differences for both before you decide.

For successful individuals and families, placing the ownership of assets into trusts and LLCs can be a useful tool for estate planning, privacy, tax, or other reasons. It is not uncommon for residential property to be transferred to one of these entities in order to take advantage of the protections afforded.

Given the recent yield curve inversion, NBCNews.com turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to learn what this means for investors. Jim explained that while the current inversion appears to be modest, the weakness of the global economy could impact U.S. markets.

Remote work arrangements have grown in popularity in recent years, propelled by feature-rich SAAS (software as a service) tools that allow employees, teams, and entire companies to communicate and work seamlessly, regardless of their physical location.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, provides commentary on developments in the U.S. treasury market and the recent inversion of the U.S. treasury yield curve, the specific area between the 3-month U.S. treasury bill and the 10-year U.S. treasury note. He discusses last week’s events that contributed to the yield curve’s inversion, including the FOMC meeting on March 19-20, as well as disappointing manufacturing data in the eurozone and in the U.S. reported on March 22. Jim commented on the importance for investors to stay focused on their long-term objectives and to look beyond short-term volatility when positioning fixed income portfolios.

As geopolitical tensions continue to weigh on global markets, CNBC.com consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his insight on potential implications to the U.S. economy. Ernie spoke to impacts on domestic hiring and wage growth in particular and explained why he is closely monitoring this data on behalf of clients.

In honor of Women’s History Month, Philadelphia Magazine asked Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, to share her career advice for the next generation of business leaders. Jen discussed how important it is for young women to live their core values in the workplace.

Financial Advisor Magazine turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his insight on the most advantageous times to leverage municipal bonds. Given the newly implemented limitations on state and local tax deductions, Jim explained that higher earning individuals are often better positioned to realize the most benefit from tax-free municipal bonds.

Many people think of an income tax refund as “found money”. So, they spend, and spend, and spend. But, if you think your tax refund as an investment tool, you could be setting yourself up for success.

BMT Wealth Management’s market summary this week provides a recap of equity and fixed income markets and mentions the upcoming Fed meeting. We point out that recent performance of stocks and bonds seem to reflect a divergent view in terms of the prospects for future economic growth, and we also illustrate how both types of investments performed in different interest rate environments.

MarketWatch turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his latest take on Treasury markets. Jim spoke specifically to how recent activity has fluctuated as a result of a slowdown in domestic manufacturing.

Lindsay Saling, Retail Strategy Team Lead at Bryn Mawr Trust, spoke with U.S. News & World Report about how to deposit checks via mobile applications. Lindsay outlined some best practices for mobile deposits, including familiarizing yourself with the deposit limits and ensuring you have confirmed all deposit details with your financial institution.

Ms. Sanchez will oversee HR strategic planning including: leadership development; employee training and engagement; inclusion and diversity; organizational development, culture and change management; compensation and benefits; and leadership and oversight for talent management.

Lindsay Saling, Retail Strategy Team Lead at Bryn Mawr Trust, spoke with U.S. News & World Report to share key benefits of overdraft protection for checking accounts. Lindsay highlighted advantages of Bryn Mawr Trust’s overdraft protection offering, including reduced transfer fees.

Death and taxes. We all deal with both at one time or another in our lives. However, while taxes are a reality for the under 30 crowd, thinking about a will often is not. But being without a will, no matter your age, can leave your family with a litany of problems if you die unexpectedly.

Bryn Mawr, Pa., March 12, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (together with the Corporation, “BMT”), announced today that Ms. Linda Sanchez has joined the organization as Senior Vice President, Chief Human Resources Officer. She will report to President and Chief Executive Officer Frank

BMT Wealth Management’s market summary highlights recent economic data indicating global economic growth is slowing down. Last week, economic growth in the Eurozone and China were both downgraded while the U.S. labor market added the fewest number of workers in over a year. U.S. Treasury yields dropped across the yield curve reflecting downward growth revisions.

Have you ever dreamed of starting your own business or being your own boss? Starting a business can seem like an impossible task. However, with some careful planning, important financial decisions, and a few steps to complete beforehand, you can make that dream a reality. Thanks to the Small Business Administration, you can kick off your own business in the next year with these 7 easy steps.

As Bryce Harper signs one of the biggest contracts in MLB history, the Philadelphia Business Journal turned to Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, for her advice on how he should manage his millions. Jennifer explained why the newest addition to the Philadelphia Phillies should consider his long-term goals before implementing an official financial plan. Additionally, Jennifer outlined financial considerations unique to professional athletes, such as planning around shorter than average career timelines and donating to philanthropic organizations.

Deciding between a limited liability company (LLC) and a sole proprietorship can be confusing for someone starting a new business. While there are pros and cons to each, if you are willing to put in the initial paperwork and fees, an LLC is the better way to go. Here’s why.

Are you a first time filer? Benjamin Franklin once quipped, “…in this world nothing can be said to be certain, except death and taxes.” Although this is funny, it is also true. Whether you work for a large corporation, as a subcontractor, or are self-employed, you will have to file taxes with the IRS.

What business owner wouldn’t love a celebrity sharing their love of your product or service on Facebook, Instagram or Twitter? Social media influencers can take your product from “not to hot” in a mere tweet. Celebrity endorsements have been around for decades. In the past, television personalities, movie stars, or others who were famous would persuade us to own this car or drink this soda. However, in today’s digital world, the niche market has taken on a whole new audience.

BMT Wealth Management’s market summary this week reviews recent macroeconomic data and provides an update on the equity and fixed income markets. We point out that economic fundamentals have been weakening modestly, while equity markets have been rallying, and emphasize the importance of maintaining proper portfolio diversification.

Everyone, at one time or another, yearns for a fresh, new bathroom. However, very few of us can afford the average bathroom remodel price of $10,275! In fact, for many of us, at any given time, the maximum amount of money that can be spent is around a hundred dollars.

Barron’s turned to Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty Office, for advice on how pre-retirees can minimize the financial impact of a divorce. Paul stressed the importance of updating estate planning documents and evaluating health insurance alternatives, especially for those who were previously covered under a spouse’s plan.

Are you a first time filer? Benjamin Franklin once quipped, “…in this world nothing can be said to be certain, except death and taxes.” Although this is funny, it is also true. Whether you work for a large corporation, as a subcontractor, or are self-employed, you will have to file taxes with the IRS.

Nonprofit risk management is an essential component for a successful organization, and depending on the type of organization, there are a number of risk exposures involved. A successful nonprofit organization recognizes the risks involved and does everything they can to mitigate them. To help identify some of those risks, here is a list of four of the most common risks for nonprofits.

BMT Wealth Management’s market summary this week highlights the continuing rally on Wall Street, which for the S&P 500, has now fully reversed the losses incurred during the month of December. Inflationary readings were modest and support the growing belief that the Federal Reserve may be finished hiking rates in this cycle.

“This program is a result of our relationship with community organizations like Congreso, CEIBA, and PathWays who work every day with communities who are underserved when it comes to banking,” said Joseph Keefer, Executive Vice President. “Helping every household save and be prepared for an emergency creates stability and benefits the family, so it makes perfect sense to undertake a program like this that rewards people for saving.”

BMT Wealth Management’s market summary this week recaps movement in the equity and bond markets. While the S&P 500 index ended last week with a modest return, international equities didn’t fare as well. In fixed income, U.S. Treasury yields dropped across the yield curve as signs of slowing economic growth added a boost to U.S. government securities.

Bryn Mawr, Pa., Feb., 6, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (“BMT”), announced today a new $25 million pledge to fund loans to low- and moderate-income households in 2019. This commitment is the third annual pledge made by BMT, increasing year-over-year, due to the

Bryn Mawr, Pa., February 4, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT, the “Company”), announced today that Ms. Elizabeth Baran Wagner has joined the Company as Senior Vice President and Director of Institutional Wealth Management for BMT Wealth Management. Ms. Wagner reports directly to Jennifer Dempsey Fox, President of BMT Wealth Management.

BMT Wealth Management’s market summary this week provides an update on domestic and international equity markets. We look at recent labor market numbers, the S&P 500 earnings season thus far, and the impact of the Fed’s pause on interest rate hikes. As we move through 2019, we reiterate our call to build diversified portfolios and frequently revisit your investment objectives.

BMT Wealth Management’s market summary this week reviews recent data from the housing market and provides an update on the equity and fixed income markets. We look at various moving averages for the S&P 500 Index and provide a year-over-year results for this point in the fourth quarter 2018 earnings reporting season.

Jen Fox, President of BMT Wealth Management, met with Jim Barnes, Director of Fixed Income, to discuss credit developments in the bond market. Given the long period of low borrowing costs, many companies have increased the amount of debt on their balance sheets. Jim and Jen discussed the importance of credit analysis in the current economic environment as well as specific metrics the BMT Fixed Income Team utilizes when assessing the overall credit quality of an issuer.

Insuring a residential condominium unit can be complicated. If you own a condo and sustain damage, there are two insurance policies that will respond: your own condo unit owner’s policy (or HO-6), and the association master policy. In this week’s newsletter, we discuss what each policy covers and offer insight into selecting better-than-basic coverage options for your HO-6 policy.

Bryn Mawr, Pa., January 22, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT), announced today that Liam Brickley has joined the Company as Senior Vice President and Chief Credit Officer. Mr. Brickley reports directly to Kevin Tylus, President of Bryn Mawr Trust Banking.

BMBC today reported net income of $17.1 million, or $0.84 diluted earnings per share for the three months ended December 31, 2018, as compared to net income of $16.7 million, or $0.82 diluted earnings per share, for the three months ended September 30, 2018, and a net loss of $6.2 million, or ($0.35) diluted earnings per share, for the three months ended December 31, 2017.

BMT Wealth Management is pleased to present our Economic and Financial Market Outlook for 2019. In this edition, we offer a detailed overview of our expectations for the global economy as well as the global equity and fixed income markets. We believe the U.S. economy will continue to expand but at a decelerating pace relative to 2018. Equity and fixed income markets will likely face continued volatility given a higher interest rate environment and less accommodative monetary and fiscal policy. We hope you enjoy the pages that follow and look forward to keeping you informed in future updates.

Bryn Mawr, Pa., January 14, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”) and its subsidiary BMT Insurance Advisors, announced today that Kimberly Trubiano has joined the Company as President of BMT Insurance Advisors. Ms. Trubiano reports directly to Jennifer Dempsey Fox, President, Wealth Management.

Bryn Mawr, Pa., January 11, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT), announced today that Mr. Emanuel Ball has joined the Company as Senior Vice President and Director of Facilities. Mr. Ball reports directly to Alison Eichert, Executive Vice President and Chief Operating Officer.

After four interest rate hikes in 2018, U.S. News & World Report spoke to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, about why investors should reevaluate their fixed income allocations. Given the expected slowing economic growth, Jim suggested investors reassess the amount of credit exposure within portfolios and consider favoring higher quality issuers over weaker credits.

BMT Wealth Management’s market summary this week looks at Fed policy and current economic indicators. We analyze recent comments made after the December 2018 FOMC meeting and elsewhere, dive into surprise results from the December jobs and wages reports, offer an update on the bond market, and provide some guidance considering recent market volatility.

As investors analyzed the last jobs report of 2018, The Associated Press turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his interpretation of the new data and how the markets reacted as a result.

Bryn Mawr, Pa., January 4, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the appointment of Adam Bonanno as Senior Vice President and Chief Technology Officer (CTO) of BMT. Mr. Bonanno reports directly to President and CEO Frank Leto.

Charges from holiday spending continue to appear on credit card statements long after the holiday season is over. As the debts continue to roll in, consumers are tasked with the need to come up with additional funds to make good on their financial obligations. Even if you consider yourself a wizard at personal finance, you might be having difficulty recovering from the holiday debts you’ve accumulated. Here are a few tips to help you get back on the right financial track quickly.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke to Bloomberg about market volatility at the start of 2019. Ernie explained how political noise can distract investors from the healthy state of the economy and reports of earnings growth.

BMT Wealth Management’s market summary this week kicks off the New Year by looking at both the final week of trading for 2018 and current conditions through the lens of established indicators. Are you looking for an answer to the “are we heading for a recession” question? Read on as we compare current credit, loan demand, and loan quality conditions to those of 2008. Also, check out our short list of fundamental issues affecting market behavior.

New Year’s resolutions are a popular way for many people to make a vow to themselves to make one or more significant changes in their life. Often, when the enthusiasm is high and any sense of failure seems remote, people start out at full steam.

U.S. News & World Report called upon Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, to highlight potential areas of opportunity for investors to consider in 2019. Ernie discussed what he will be keeping a close eye on in the New Year from sectors like technology, consumer discretionary, energy, telecommunications and aerospace.

Malicious hackers have been known to find creative ways to get your money. In a 2016 study, a Dutch expert found almost 6,000 online shopping sites that harbored data-stealing code – with the companies running those sites being none the wiser. Stolen data was covertly forwarded to foreign servers and exposed thousands of unsuspecting online shoppers.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about BMT’s outlook on the markets after Treasury Secretary Steven Mnuchin dismissed rumors that Federal Reserve Chairman Jerome Powell would be removed from his position. While this news boosted U.S. futures in the short-term, Ernie explained that the markets are indicating a high possibility of a Fed policy error.

The holiday season is almost here, and now is the time to get ready. Time is already growing short, and there is still a lot to do. Hopefully you already have a fully funded holiday spending account in place, one that will allow you to purchase gifts for the ones you love. If not, a few simple spending offsets could fund your holidays. These financial compromises will help you enjoy a happy and financially healthy holiday season, so you can start the new year debt free.

Financial fraud is an important exposure for companies of all sizes, but the risk is especially acute for smaller organization that often have fewer controls than larger companies. Even small embezzlements can have acute financial effects on a small business, as well as morale problems resulting from a breach of trust.

With the Holiday season here, you’d better plan your shopping to avoid racking up burdensome credit card debt. Unless you want to be paying off holiday purchases through 2019 and beyond, you must employ diligent budgeting and savvy shopping to sidestep credit card debt.

Promises of special deals, rock-bottom pricing and the lowest price of the season are the fake enticements used by retailers to lure potential consumers to their door. While this is a sales practice employed all year long, the holiday season brings out the wildest and most outlandish promises. Some of these offers are legitimate while others are more hype than reality. Separating the good deal from the empty promise of low pricing is a skill anyone can acquire.

Thinking about or planning for a disaster – fire, theft, flood, etc. – is not pleasant. However, addressing those “what if” scenarios before they occur, when you are not under tremendous stress, will be comforting to you and all those affected. Having verifiable documentation of your ownership and worth of your valuables – works of art, jewelry, furniture, and recreational equipment – will help you navigate a potentially arduous claims process.

Building a solid credit history is essential for anyone who hopes to be able to own property, obtain favorable loan rates, and have more employment options. For young adults, the conundrum has always been that you need credit in order to build credit, and it is not always available when you’re first starting out. Building credit takes time, and it requires a conscious effort to manage it effectively. When building credit, it’s fairly easy to take a step forward and then have one small mistake put you three steps back. The fastest way to build credit is to always be aware of the five categories of credit scoring and conduct your credit activities accordingly.

As volatility continues in the U.S. markets, Bloomberg called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to explain recent bond and equity market activity. According to Jim, investors are focused on the upcoming Federal Reserve meeting next week as well as ongoing developments around trade negotiations.

BMT Wealth Management’s market summary this week takes a year-over-year look at the market and provides insights regarding the shape of the yield curve. It looks at what has been moving the S&P 500 Index (hint: it may not be fundamentals), provides a history lesson related to long-term and short-term interest rates, and takes a peek at the data the markets and BMT Wealth Management will be monitoring.

As U.S. markets hit correction territory at year-end, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for expert insight. Ernie put the latest drawback in perspective and explained that the market is repricing stocks to normalize their growth rates.

BMT Wealth Management’s market summary this week looks at recently released economic data and the effect of comments from world leaders. It reviews November 28 comments by Federal Research Chairman Jerome Powell regarding the performance of the Consumer Discretionary and Information Technology sectors, trends in the bond market, and initial analysis of comments from the G-20 Summit.

BMT employees celebrated being part of the BMT Men’s Health Team by wearing a team jersey to increase awareness of men’s health issues, to promote preventative health services, and to encourage a healthy lifestyle. Employees grew beards throughout the month as an additional show of support. Further, BMT has committed to making a $5,000 donation to the Movember Foundation, whose action plan is “Connecting clinicians and researchers from around the world to accelerate health outcomes for men living with prostate and testicular cancer.”

In part two of our podcast on the digital afterlife, Jen Fox, President of BMT Wealth Management, talks to Lee Poskanzer, CEO of Directive Communication Systems, about preparing estates for their digital afterlife. Their discussion focuses on issues relevant to professional advisors – estate lawyers, estate planners, and others – who are counseling clients on how to protect their digital assets after their death.

Our guest Lee Poskanzer, CEO of Directive Communication Systems, speaks with Jen Fox, President of BMT Wealth Management, about preparing for your digital afterlife. With a series of anecdotes and what-if scenarios, Jen and Lee delve into best practices for setting up your estate so that your final wishes for your digital assets – photos, fintech accounts, gaming profiles, etc. – are clearly defined. This is part one of a two-part podcast.

BMT Wealth Management’s market summary this week puts equity market corrections in historical perspective. It also reviews U.S. economic data, the recent performance of domestic equities by sector, investors’ expectations of the Fed’s future policy actions, activity in the fixed income markets, and how BMT’s investment process has held up during the recent volatile period.

All company managers, not-for-profit and for-profit, know they need insurance. They don’t always know why, and they don’t always understand exactly how it works, but they know there are funders, landlords, banks, and others who require that they have it.

Bryn Mawr, Pa., November 14, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (“BMT””), has announced that it will leverage its existing capital markets expertise to offer correspondent banking services to provide advisory and transaction management services to community and regional banks.

BMT Wealth Management’s market summary this week looks at how the results of the U.S. mid-term elections might augur well for the financial markets, the economic data coming out of China has cast a pall on the markets, oil prices have been on the decline, and many mega-cap tech stocks have been under price pressure.

As the Federal Reserve convened for one of its final meetings of 2018, Reuters called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to find out what he is interested to learn at the conclusion of the Nov. 8 FOMC meeting.

As the Federal Reserve convened for one of its final meetings of 2018, Reuters called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to find out what he is interested to learn at the conclusion of the Nov. 8 FOMC meeting.

The four elements of SWOT analysis create an easy-to-follow framework that businesses of all sizes can use to assess the current and potential health of their respective enterprises. The knowledge that a company can gain from SWOT analysis can aid in the planning and development of existing and future entrepreneurial strategies. Use these four steps as a basis for your research, and you’ll get rewarded with a more comprehensive and applicable overview of your business which can lead to accelerated growth, added resilience and maximized profits.

Building a solid credit history is essential for anyone who hopes to be able to own property, obtain favorable loan rates, and have more employment options. For young adults, the conundrum has always been that you need credit in order to build credit, and it is not always available when you’re first starting out. Building credit takes time, and it requires a conscious effort to manage it effectively. When building credit, it’s fairly easy to take a step forward and then have one small mistake put you three steps back. The fastest way to build credit is to always be aware of the five categories of credit scoring and conduct your credit activities accordingly.

BMT Wealth Management’s market summary this week explores why, if economic growth is strong, equities continue to sell off. It also places equity market volatility in context by comparing recent periods when the S&P 500 Index has fallen more than 10% in the absence of a recession or bear market.

Who wouldn’t want to be a millionaire? We all have a goal of becoming financially independent at some point in our lives, and while it might take more than a million dollars to achieve that, it’s a pretty good start. The fact of the matter is that anyone can save a million dollars, though the longer you have to save the easier the task. All it requires is discipline, patience and motivation. And yes, it also requires the money to set aside each month. But once you know how much you need to save and how realistic the goal really is, the motivation will come.

BMT, announced today their Think Pink campaign for October, National Breast Cancer Awareness Month. The effort is meant to bring awareness about early detection and acknowledging and supporting individuals and families affected by breast cancer.

Automobile insurance premium rates have been on the rise for the past several years, and they are expected to continue to increase in the immediate future. What is behind the higher rates and how might rapidly evolving technology affect automobile insurance in the years to come?

Marc joins BMT from Wells Fargo, where he worked since 2003 and advanced through various roles, including Senior Vice President and Regional Investment Manager, Regional Finance Manager, and Regional Chief Financial Officer. His other previous work includes time at Ernst & Young, LLP; Arthur Anderson, LLP; and JP Morgan & Co., Inc. He holds an MBA in finance and a bachelor’s degree in business administration, both from Temple University.

Building a viable business and succeeding as an entrepreneur is not a mission for the meek and mild. Entrepreneurship can be grueling and can leave you wondering why you ever thought building your own company was a good idea. But if you are determined and are willing to invest in your future, you can improve your odds of business success as an entrepreneur. Incorporate the following five tips into your modus operandi and there’s a mighty good chance you’ll find the business success you long for.

In today’s attention economy, just getting heard above the noise is half the battle. Everyone is battling to get the limited attention of potential customers online. But there’s more to building businesses and brands than attracting attention. You need frequent interactions and unique value, and you need to control information to control the story that people tell each other about your company.

Many people are familiar with the tale of King Midas, who turned everything he touched to gold. That story is the reason many successful people are said to have the “Midas touch.” Unfortunately, being an entrepreneur does not guarantee financial success. Every entrepreneur likes to think they work hard enough (or smart enough), yet many of them struggle for years and achieve only modest success.

BRYN MAWR, Pa., October 18, 2018 - Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”) today reported net income of $16.7 million, or $0.82 diluted earnings per share for the three months ended September 30, 2018, as compared to net income of $14.7 million, or $0.72 diluted

Staying home with your baby is a wonderful privilege, but it comes at a price. While you get to be there for every one of your baby’s developmental milestones (and shower them with hugs and kisses), you may also have to sacrifice a full-time paycheck.

The Fall issue of BMT Wealth Management’s Economic & Market Quarterly discusses recent economic expansion and the forecast for U.S. economic growth, analyzes the performance of the equity markets (noting that geography continues to be an important factor when it comes to equity market returns and reflecting on the aggregate advance in the S&P 500 Index since 2007), and reviews the performance of the fixed income markets, including the flattening of the yield curve. It also addresses the challenges of late-business-cycle investing and offers our outlook for the economy and financial markets going forward.

Jen Fox, President of BMT Wealth Management, met with Jim Barnes, Director of Fixed Income with the firm, to talk about the interest rate environment in the United States. Their conversation ranged from the primary drivers behind the recent rise in interest rates to whether clients should be concerned about those increases, the impact higher rates has on bond prices, and how that affects investors’ portfolios. Jim also offered his thoughts on the course of interest rates going forward.

BMT Wealth Management’s market summary this week discusses the economic data providing evidence that U.S. economic growth is not only expanding, but growing at a robust pace; the recent jump in bond yields; and falling equity prices.

How are individual taxpayers being affected by the Tax Cuts and Jobs Act of 2017? Jen Fox, President of BMT Wealth Management, and Paul Gaudio, a Wealth Planning Strategist with the firm, met to discuss the changes the Act made to three types of taxes – the alternative minimum tax, the estate tax, and the “kiddie tax” (the tax on unearned income of dependents) – and what that means for tax and estate planning.

You would think the main thing that separates the financial winners from the losers is money. Obviously, the more money people have, the more things they can buy, but that doesn’t necessarily translate into happiness. Even people who make a lot of money can find themselves at its mercy if it controls their lives. Conversely, you probably know some people who make less than you do. Yet, somehow, they seem to be in control and enjoying life as if they had all of the money in the world. It all comes down to attitude. It takes a winning financial attitude to take control of your finances and get the most out of life no matter your income.

The economy is growing again, but, stagnate incomes and increasing living costs are still forcing many people to squeeze more from their budget to meet expenses. Reducing debt is the quickest way to free up some money, but that often requires getting more control over spending. If increasing your income is not an option, there are several ways to squeeze more out of your budget to accomplish both.

One of the most common mistakes rookie entrepreneurs make is neglecting to prepare a business plan. A business plan doesn’t necessarily have to be long and detailed, but it should serve you and your team as a roadmap and a rallying point, while also keeping your efforts consistent and measuring your progress.

Bryn Mawr, Pa., October 3, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), announced today that Mark Bradford has joined the Company as Senior Vice President and Director in their Wealth Management division. Mr. Bradford reports directly to Jennifer Dempsey Fox, CFP®, President of BMT Wealth Management, and maintains an office in Bryn Mawr, Pa.

Identity theft affects over 15 million consumers every year. As much as we all like to think “This would never happen to me or my family!” the reality is that it just might. There are many resources online that instruct you on minimizing your risk exposure, using secure and unique passwords, and avoiding scheme websites and unscrupulous “phishers” in your inbox.

Technology is critical to the operations and success of most small businesses, which makes routine maintenance of your tech infrastructure vitally important.

Like any type of equipment, monitoring technology performance and addressing small issues is more efficient and cost-effective than having to deal with downtime and higher costs in the aftermath of an outage or disruption.

BMT Wealth Management’s market summary this week analyzes consumer confidence and its surge toward a level we’ve not seen since the height of the 1990s dot-com bubble; discusses the FOMC’s increase of the federal funds rate target range and the statement it released after its meeting last week; and provides a recap of recent activity in the financial markets.

Many entrepreneurs know the value of feedback, as it tells them what the customers are thinking. The problem is, a lot of those same entrepreneurs aren’t sure or aren’t interested in what else they can do with said feedback at that point. That’s a tremendous waste of a powerful resource.

With the U.S. national debt at $21.5 trillion, U.S. News & World Report spoke to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to discuss the implications of the growing national debt on investors. Jim explained that as the budget deficit increases, the government issues more Treasury securities, which may lead to lower prices and higher interest rates for bondholders.

The aim of a successful investor isn’t just to make money; ultimately, money is a means to an end. Understanding what you want to achieve with your investments is vital to choosing the right approach and meeting your financial goals. What this means is that you need to think ahead and understand some of what the future might hold, and use this to guide your investment decisions.

BMT Wealth Management’s market summary this week looks at equity markets, trade, and strong employment data (weekly initial jobless claims reported last Thursday hit a level last seen more than 48 years ago, in late 1969). It also examines wage pressures and the yield curve (the two-year to 10-year spread of U.S. Treasury bonds), which, while still positively sloped, has narrowed considerably since early 2017.

In a world full of constant expenses, frugality isn’t exactly easy. Unnecessary items such as extra clothes and toys are expensive, and even life necessities such as toothpaste and napkins can be costly. These five tips will help you save pennies starting with the most necessary items you’ll buy: food.

With equity markets advancing strongly to the upside, CNBC turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his insights on potential risks to the market rally. Ernie explained that his team monitors a number of indicators, such as wage growth and the slope of the yield curve, that may signal the onset of faster inflation, a potential risk to the bull market.

Most people carry debt. The average person has a mortgage, car loan, student loan, and credit card debt. People get so caught up in keeping up with the Joneses that they end up mismanaging their finances. When shopping for a house, people tend to spend at the top of their budgets. Many feel the need to buy a new car every few years. They put vacations on credit cards and eat out multiple times a week. Enjoyment is an important part of life, but if you’re left with no money at the end of every month, how much of life can you really enjoy?

A sales and marketing plan is essential to any small business’s success, without one a business may struggle to have measurable and achievable goals in place. The right sales and marketing plan clearly identifies everything from who the target customers are to budget. When done correctly, it can serve as a roadmap for the growth of a small business.

Ever since President George H.W. Bush talked about the “thousand points of light,” there has been considerable public attention on, and interest in, volunteerism. Most not-for-profit organizations rely on volunteers to some degree to fulfill their mission, and their insurance policies must address the associated liability brought on by volunteer programs.

Jen Fox, President of BMT Wealth Management, and Jennifer Marshall, Tax Manager with BMT Wealth Management, sat down to discuss some of the provisions of the Tax Cuts and Jobs Act of 2017 that are most likely to impact, and provide opportunities for, individuals and businesses. They also explored several tax-planning strategies that are now available.

Google recently announced some new measures it’s taking to help protect small businesses from scammers. This follows recent action from the Federal Trade Commission and numerous efforts by Google itself to keep business from falling prey to what the company refers to as “predatory practices.”

Identity theft is no joke. Every year, millions of people are scammed out of millions of dollars due to identity theft and fraud. There are, however, simple steps you can take to help protect yourself against the risk of identity theft. This article discusses the basics of how to keep your information and identity safe. 

BMT Wealth Management’s market summary this week analyzes the recent performance of equities around the globe, notes that emerging markets have entered a bear market, and charts out the differences in returns by geography thus far in 2018. It also looks at employment data for the month of August and the effect it has had on Treasury prices, and explains why the average hourly earnings figure is currently a major focus for bond investors.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with CNBC.com to explain how potential regulation for social media companies and valuation concerns can impact stocks in the tech sector.

BMT Wealth Management’s market summary this week reflects on recent trade discussions and U.S. economic growth; the U.S. equity markets reaching record highs; and U.S. Treasury yields.

As the school year approaches and schedules begin to fill up again, we all might be experiencing a little more stress than usual. Amidst the hubbub, it’s important to have a place of rest to return to after a long day. But does coming home make you feel restless rather than relaxed? If so, it may be time for a change of scenery — inside your home. Your physical space has a big impact on your mood and overall well-being, and with a few key changes, you can turn your space into a tranquil paradise that you’ll love coming home to.

Bryn Mawr, Pa., August 29, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced Alan DePonceau has joined BMT’s Capital Markets group as a Senior Vice President and Director of International Services. Mr. DePonceau will report to the Managing Director of Capital Markets, Neil Orechiwsky and will focus on delivering premier international payments, foreign exchange and trade finance solutions to BMT customers.

As smart speakers and connected devices gain momentum in consumer markets, they’re also making inroads among business users interested in increasing convenience and efficiency within their workplaces. Devices such as Amazon’s Echo, Google Home and others are coupling advances in voice recognition, natural language processing (which helps computers understand the way people speak) and artificial intelligence to help business owners complete, and automate, a growing number of routine tasks.

As geopolitical tensions simmered in late August, Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Reuters to explain how these events are impacting fixed income markets. 

As you invest time, money and effort promoting your small business, it’s also important to devote some time to examining how your various marketing approaches are working to support your business and its revenue goals. Measuring the success of your marketing efforts is critical to understand what’s paying off and, equally important, which investments aren’t worth repeating. Evaluating your marketing efforts will help you expand the initiatives that are providing benefits to your company while reducing the amount of marketing spending you waste.

Every small business wants to increase sales and grow revenue, but what’s the magic secret to doing this? The sales funnel. No matter what type of small business or what budget you have to put towards gaining new business and keeping existing customers, a sales funnel is essential. A sales funnel is meant as a way to visualize the customer’s journey through the sales process. If you envision a funnel, then the sale begins at the large top opening then ends as it gets smaller with purchase (or alternative end goal). A sales funnel can also be referred to as a sales pipeline and can be the key to measuring, managing and forecasting the sales process. Additionally, it can also be the driving force to improving the sales process to gain more business. This sales process can involve a variety of different aspects and can vary significantly from one business type to the next.

Identity theft is no joke. Every year, millions of people are scammed out of millions of dollars due to identity theft and fraud. There are, however, simple steps you can take to help protect yourself against the risk of identity theft. This article discusses the basics of how to keep your information and identity safe. 

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about the ongoing bull market, which is currently the longest ever to be recorded. Ernie weighed the risks associated with today’s all-time market highs and explained that the length of the bull market itself isn’t a cause for concern.

In school, you learned all about World War II, chemical reactions, and Shakespeare – but you may not have learned about how to properly manage your finances. Though not often taught, personal finance is perhaps one of the most important lessons that everybody needs to learn. In this article, you will learn about the five most important steps to having an efficient and organized financial life.

It is no surprise that the cost of weddings has been on the rise in recent years. The expense of hosting a wedding has become so high that some brides and grooms are starting their lives together deep in debt, increasing the odds that their finances will continue to suffer for years to come.

Personal insurance typically provides individuals and families with protection against loss to their property and assets from such perils as fire, water damage, and liability lawsuits. However, there is another exposure that is becoming an increasingly dangerous threat in our technology-driven world – cybercrime.

Fox Business called upon Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, to provide an update on the U.S. economy. Ernie explained the importance of maintaining a diversified portfolio over the long term in order to weather market storms.

If you are a fan of real estate shows, you might think that bigger is always better. On those shows, young couples are routinely encouraged to buy bigger homes than they currently need. The idea behind that advice is that the home will grow with them, and that children will eventually occupy all those empty bedrooms.

Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, provided expert commentary to U.S. News & World Report on whether parents should ask their children to pitch in on household expenses. Jennifer encouraged parents to approach finances in a way that works best for their family and teach their children the value of a dollar.

BMT Wealth Management’s market summary this week looks at global economics, including the plunge of Turkey’s currency due to worries about the country’s stability; the movement of the U.S. Core Consumer Price Index over the past 20 years; how a less accommodative stance by the Fed has propelled short-term interest rates to rival the dividend yield on the S&P 500; and second-quarter corporate earnings.

Within the classic 4P’s of marketing are the product, promotion, price, and placement. Placement is also considered as the distribution channel for a business. Both B2B and B2C small businesses sell through either one main distribution channel or multiple channels. The distribution channels will differ from one company to the next but may encompass any of the following: retail, distributor/ wholesaler, dealer, sales team, online, and numerous other channels.

The most important person in your life popped the proverbial question, and you said yes! The time leading up to an engagement can feel so important that many brides- and grooms-to-be don’t know what to do with themselves afterwards. However, there are a few things you really should take care of once you become engaged. So what do you need to do after you say yes?

As the school year approaches and schedules begin to fill up again, we all might be experiencing a little more stress than usual. Amidst the hubbub, it’s important to have a place of rest to return to after a long day. But does coming home make you feel restless rather than relaxed? If so, it may be time for a change of scenery — inside your home. Your physical space has a big impact on your mood and overall well-being, and with a few key changes, you can turn your space into a tranquil paradise that you’ll love coming home to.

Whether your goal is to make your home life more enjoyable or make your property more valuable, you cannot go wrong with an upgrade to your kitchen or bathroom. Upgrading the kitchen and bathroom can make your home more attractive to potential buyers, but these home improvements will also enhance your life right now.

Reuters turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for expert commentary on bond market activity. Jim explained how recent trade tensions have increased the demand for bonds as a safe haven, although expected U.S. Treasury issuance may put upward pressure on bond yields.

BMT Wealth Management’s market summary this week discusses the strength of the U.S. economy and the favorable economic data that was released last week, including data on consumer confidence, June pending home sales, and July employment. It also compares rising 10-year bond yields in countries around the globe, notes the mark Apple Inc. has made on stock market history by crossing the $1 trillion level in market capitalization, and reviews the results of the earnings reporting season.

Small business owners have been generally optimistic throughout 2018 so far, and that positivity appears to be sticking around. According to a recent survey from WalletHub, seven out of ten owners find the present to be a good time for growth. The company’s 2018 Small Business Owner Survey also found that over a third (38 percent) of small businesses find access to a talented workforce to be the most important factor for success. Other factors business owners cited include limited regulation (25 percent), low taxes (21 percent), easy access to credit (13 percent), and government incentives (3 percent).

Crowdfunding provides an alternative to loans, credit lines, and traditional investors while allowing a business to get a sense of product demand before creating it. By utilizing the internet, a would-be business owner can collect donations from around the world with a solid idea and pitch. The core market is built-in, and contributors tend to be great for word-of-mouth marketing. The advantages can be tremendous a campaign is successful. It’s not hard to see why an aspiring entrepreneur would be interested in this type of funding.

Social Media Marketing is highly visual, with photographs and video dominating social network feeds as well as illustrations and other graphics. Most small business owners are not professional photographers, videographers or graphic designers, so producing visuals for social media can be challenging. Add to that challenge the fact that each social network requires different sized images for cover images, profile images and posts. What might look great on Facebook could look less attractive on Twitter, Instagram or Pinterest.

BMT Wealth Management’s market summary this week explains that, while several key economic reports pertaining to housing, durable goods, and consumer sentiment were released last week, Friday’s (July 27) GDP report had the largest effect on financial markets. It also recaps the recent performance of the equity and bond markets.

“Business is business. It’s no place for emotion, especially when it comes to my customers.” If you subscribe to that line of thinking, you’re doing yourself a major disservice. People are emotional creatures, which means emotions play a bigger role in the consumer’s decision-making process than you might think. It doesn’t matter what you’re selling: If you don’t know how to create an emotional connection with your customers, you won’t be able to hold on to them for long.

Every business begins with a vision or an idea. From there, businesses are either launched to success or they land in a heap of failure. The difference, for most entrepreneurial efforts, is likely to be found in the critical first steps that were undertaken in the formulation and implementation of the business plan. Even those businesses that initially failed to launch, stand a good second chance of success if the right steps are taken. Every aspiring business owner needs a start-up starter kit that includes the 10 things you absolutely must do to launch a business.

In an article on the day’s market activity, CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for expert commentary on recent earnings reports. Ernie noted that high-performing companies with earnings that fall below expectations are being punished more harshly this earnings season.

Moving in with someone is a milestone in your relationship. You’ve dated long enough to know the other person pretty well. You’re confident they’re the one with whom you want to share your life. And, let’s face it, you’re in love, and if possible, you’d like to see them every minute of every day. Of course, you’re not so blinded by love that you don’t think there will be a few disagreements. But did you know that the majority of arguments between new couples are about money? If you’re serious about this relationship, you need to get serious about money too.

One of the issues that comes up frequently among business owners planning for their retirement is whether they should pay off their mortgage before they retire. Of course, the short answer is: It depends. Many factors have to be considered, including your cash flow and liquidity needs in retirement, how your assets are allocated, your tax situation, and your general attitude about debt. While there are several advantages to paying off your mortgage, there may be situations when keeping it can provide more benefits.

Bryn Mawr, Pa., July 23, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced Joseph J. DiMaio Jr., CFP®, has joined BMT’s Wealth Management Division as Senior Vice President, Relationship Manager, effective immediately. Mr. DiMaio will report directly to BMT Wealth Management Division President Jennifer Dempsey Fox.

BMT Wealth Management’s market summary this week analyzes recently released economic data, including details on consumer spending, the labor market, and the housing market; reviews the recent performance of the S&P 500 and overseas equity indexes; and looks at rising bond yields.

As soon as the summer heat really kicks in and you turn on the AC for the first time, you start to dread seeing your next energy bill. But while we know air conditioning can be a major energy sucker, there are also some other not-so-obvious culprits that could be hiking up your energy bills all year round. Since we’re all looking for ways to save energy (and money!), we drew up a list of some of the biggest energy suckers in your home, so you can stop them in their tracks.

BRYN MAWR, Pa., July 19, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”) today reported net income of $14.7 million, or $0.72 diluted earnings per share for the three months ended June 30, 2018, as compared to net income of $15.3 million, or $0.75 diluted earnings per share, for the three months ended March 31, 2018, and $9.4 million, or $0.55 diluted earnings per share, for the three months ended June 30, 2017.

CNBC.com turned to Jennifer Dempsey Fox, President of Bryn Mawr Trust Wealth Management, for expert advice on how new investors can build and maintain wealth. Jennifer emphasized the importance of asking questions in order to move forward with any financial goals.

Social Media Marketing is highly visual, with photographs and video dominating social network feeds as well as illustrations and other graphics. Most small business owners are not professional photographers, videographers or graphic designers, so producing visuals for social media can be challenging. Add to that challenge the fact that each social network requires different sized images for cover images, profile images and posts. What might look great on Facebook could look less attractive on Twitter, Instagram or Pinterest.

Heading off to college is an exciting time in a young high school graduate’s life. It is a time in which you get to spread your wings, further your education, and aspire to the career opportunities that await when you finish. It is also the time in your life when you need to start understanding finances, so you can hit the ground running once you obtain your degree. If you expect to emerge from college as debt-free as possible, there are 10 smart things you can do while you are in college to save some money.

Directors and officers liability insurance (D&O insurance) is important coverage that all companies (private and public) and not-for-profit institutions should consider carrying. It protects the assets of the entity’s directors and officers – and their spouses – in the event they are personally sued for wrongful acts or mismanagement of the organization.

With cyber attacks increasingly targeting businesses of all sizes, a growing number of small businesses are protecting themselves with cyber liability insurance designed to help them deal with the aftermath of a data breach. By providing financial support and services to help small businesses deal with aspects such as customer notification, data restoration, business interruption and other effects, cyber liability insurance can play an important role in helping a company survive a data breach or online attack.

In episode 4 of the podcast, BMT Wealth Management President Jennifer Fox and Director of Strategic Research Tony Natale discuss concerns about tariffs and trade wars; corporate earnings; China’s impact on trade balances; and the politics that seem to be driving decisions by the current Administration.

Another sign that the economy may be picking up is the reported increase in restaurant revenues, an indication that people are allowing more dining out into their once-strapped budgets. Recent surveys, however, point to another reason why people are choosing dining out over eating at home. Many have determined that it could be less expensive. Really? While it’s true that grocery prices have increased faster than restaurant prices, can one truly make the case that, over the long run, it’s cheaper to eat out, or is it just a rationalization for avoiding the kitchen?

Investor’s Business Daily turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for BMT’s market outlook for the rest of 2018. Ernie explained how the firm analyzes various indicators, such as the performance of small-cap stocks, to determine the likelihood of a recession.

The Summer issue of BMT Wealth Management’s Economic & Market Quarterly analyzes economic growth in the United States, economic conditions internationally, and the recent performance of domestic equities (comparing the S&P 500 to international indices) and the fixed income markets. It also offers our outlook for the economy and financial markets going forward.

With the number and sophistication of ransomware and other attacks on company networks and data increasing dramatically, choosing a backup service to protect your small business data is more important than ever.
For most companies, customer and financial data is critical to the daily operations, profitability and, ultimately, sustainability of their business. If data is lost or locked, or a company can’t operate its computing devices for any period of time, the business is likely to suffer financial and reputational damage.

It’s no surprise that most small businesses are using social media these days. Despite frustrations with algorithm changes commonly made by Facebook and similar companies, these types of platforms give businesses a chance to gain very targeted eyeballs that other formats simply cannot provide.

Whether your goal is to make your home life more enjoyable or make your property more valuable, you cannot go wrong with an upgrade to your kitchen or bathroom. Upgrading the kitchen and bathroom can make your home more attractive to potential buyers, but these home improvements will also enhance your life right now.

A small living room can feel terribly cramped. But with the price of properties at all-time highs, and many house builders making homes smaller every year, more and more people have to make do with a tiny space. How can you turn a little room into a desirable space? First of all, lighten it up. Heavy curtains and drapes stop the light getting in. Take them down and replace them with thinner fabric, like muslin, or with blinds. Use light colors on the walls, and use matte paint, not gloss: it diffuses the light, instead of reflecting it. Furniture, too, should be light in color; white painted surfaces, rather than wood, are best for tables and shelves, while upholstery should be in pastels, white, or beige and other light natural hues.

BMT Wealth Management’s market summary this week addresses the volatility that has hit the financial markets due to fears of trade tariff wars with China, and compares the size of tariffs with incremental fiscal policy. It also reviews the recent performance of the equity and bond markets.

In a recent NerdWallet article, Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, provided expert commentary on two of investors’ most pressing concerns this summer – the possibility of an inverted yield curve and rising interest rates. In response to these developments, Ernie recommended keeping your portfolio diversified, as well as allocating more to small-cap stocks and bonds with shorter-duration maturities.

As Amazon’s purchase of PillPack shook up the pharmaceutical industry this week, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for comment. Ernie underscored the often-disruptive nature of Amazon’s rumored and actual intrusions to business models.

Car insurance is a product that few people think about beyond the context of paying their annual premiums. As a result, many people neglect to adjust their policies as their circumstances change. That neglect can lead to costly problems if they cause an accident. Several life events warrant taking a close look at your auto insurance policy. Each one may cause a shift in your financial status. Failing to update your coverage amounts and the types of insurance included on your policy can expose you and your family to considerable financial risk. Read on to learn how four major life events can change your car insurance needs.

If you plan to travel this summer, you might rent a car. Many rental car companies advertise attractive rates, but when it comes time to pay for the rental, you are confronted with options that can increase the rate significantly. One of the more costly options is the collision damage waiver.

Keep track of all of your expenses. As ridiculous as this may sound, until you record all of the expenses you have and the places you spend your money each month the chances are that you aren’t actually aware of exactly how much you are spending on different categories in your life, such as entertainment, eating out, etc. Putting it in black and white can make it easier to determine areas where you can most easily cut back in order to boost your long-term savings.

BMT announced today the appointment of Michael S. Thompson as Senior Vice President and Chief Financial Officer of the Banking Division, effective June 19, 2018. He will report directly to Kevin Tylus, President of BMT Banking Division. Thompson was the CFO at Royal Bank (RBA) from 2012 until it was acquired by BMT in December of 2017. Since then, he has been working with BMT supporting multiple initiatives. While at RBA, Mr. Thompson held several senior roles beginning in 1999, including controller and chief accounting officer.

Small business owners rely on the Internet for everything from ordering stock to keeping in touch with customers. Unfortunately this brings exposure to the increasing threat of cyber crime. In addition to stealing money by fraud and deception, cyber criminals may set out to damage your reputation or put you out of business completely.

Another sign that the economy may be picking up is the reported increase in restaurant revenues, an indication that people are allowing more dining out into their once-strapped budgets. Recent surveys, however, point to another reason why people are choosing dining out over eating at home. Many have determined that it could be less expensive. Really? While it’s true that grocery prices have increased faster than restaurant prices, can one truly make the case that, over the long run, it’s cheaper to eat out, or is it just a rationalization for avoiding the kitchen?