Three Ways to be Financially Responsible This Holiday Season

Woman looking at presents through the store window. Sandy Spring Bank
The holiday season is about generosity and giving; however, it can quickly become the season of overspending too. According to a recent survey by Affirm, 70 percent of Americans spend over budget during the holidays. And as we recover from the...

Small Business Cash Flow: Strategies for Success

Woman looking at her cellphone while working. Sandy Spring Bank
Cash flow is the lifeblood of any small business.

Financing Your Buildout

Business growth often requires strategic changes — your business is thriving and demand for your products and services has increased. Whether you’re hiring more employees or boosting your inventory, expanding your physical space takes careful planning to ensure you’re making the best decision for your business.

How Can Business Owners Adapt to a Shifting Insurance Market?

Like many industries, the insurance market is cyclical in nature.

How to Make a Competitive Home Offer in 2021

Couple and mortgage banker discussing mortgages. Sandy Spring  Bank Mortgages
You’ve finally found it — your dream home. You’ve created a budget and now you’re ready to make an offer. But in this red-hot housing market, how can you make a competitive offer that stands out? A sellers’ market can be exhausting and challenging...

Tips for First-Time Homebuyers in 2021

Buying a home for the first time is an exciting milestone, but it can also be a challenging one.

Reopening Your Small Business Post-COVID

With a large portion of the population now vaccinated, states across the country are beginning to lift restrictions. As a small business owner, you’re likely anxious to get employees back to work and begin to move forward in a post-pandemic world. But what if your employees have hesitations about returning to the office? According to Envoy’s Return to the Workplace Report, 66 percent of respondents say they are concerned about going back into the workplace. Therefore, it’s important for small business owners to adapt to this new world or potentially risk losing valued employees. Here are some tips to help your employees feel safe and make sure your reopening goes smoothly:

5 Tips to Better Understand a Home Equity Loan or Line of Credit

Cartoon man standing next to scales. Measuring you options. Sandy Spring Bank.
By Sandy Spring Bank If you own your home, a home equity loan or line of credit is a smart way to use the equity in your home to fund large expenses, such as home renovation projects, college tuition or a new car. Here are five tips to help you...

Is Your Money Working for You?

Money. We all wish we had more of it, right? Some people dream of hitting the lottery, quitting their jobs, and moving to a remote island where they can live out their days in paradise. Yet for most people, this fantasy never comes true. But what would you do if you earned a substantial raise at work, were given a large bonus, or inherited a large sum of money? Even a small windfall can go a long way with the right savings plan in place. Here are some tips to help make your money work for you:

Five Smart Money Moves to Make During Uncertain Times

It’s hard to believe it’s been a year since our world changed with the COVID-19 pandemic. Since then, people have started to look at their finances through a different lens. The pandemic has created a period of financial uncertainty unlike anything we’ve seen in generations.