Archive for January, 2012

Banking World Expects to Shrink

Colorado’s banking sector is improving, but it will likely shrink in 2012, as consolidation continues and some banks fail, local bankers and industry analysts say.

Bank analyst Larry Martin, CEO of Denver-based Bank Strategies LLC, said Colorado’s banking sector could shrink anywhere from 30 to 40 percent within the next few years. Smaller banks — those with assets under $100 million — will find it increasingly difficult to raise capital and pay increased compliance costs under the new federal regulatory environment. So some are looking to either merge with or be acquired by another bank.

Another reason for the shrinking bank sector is outright bank failures. Six banks failed in Colorado in 2011, and although most banks in the state are healthier than they were two years ago, a handful are still struggling and may fail.

A shrinking sector will mean fewer financing options for business owners. But the competition among banks to make loans is so fierce; businesses with good credit will continue to get great rates for the foreseeable future.

Fierce loan competition will challenge many banks this year. “If you’re a strong company with a strong balance sheet, now is the time to get a loan,” Jon Robinson, CEO of UMB Bank Colorado said. “Those companies will get very good terms. The banking industry has a strong appetite to put earning assets — that would be loans — on their books.”

Big banks operating in Colorado, such as San Francisco-based Wells Fargo & Co. (NYSE: WFC) and New York-based JPMorgan Chase (NYSE: JPM), will be in the mix, fighting for local loan business.

They also will be dealing with increased federal regulations and scrutiny, as well as public anger over the financial crisis and struggling U.S. economy.

Excerpt from – Heather Draper Denver Business Journal

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Simplify in 2012!

by Mandy Pinkston, Certified Professional Organizer, Liberator with Major Mom



Each time you come home, take in an armful of items from your car. Getting into a clean car is such a great feeling!

Make a pledge to use up your current inventory of lotions, hair care, and other personal products before buying more. If you’re really honest and don’t see yourself using them, toss them out!
You can’t afford to keep paying bills late. Sign up for auto-pay on recurring bills and cancel paper statements. Assign one collection point for non-recurring bills and select one day each month to pay those bills.
If someone held all your clothing hostage and you had to pay a ransom for each item you wanted back, which pieces would you pay for? Those are the clothes you love. Donate the others.
Have 3 boxes: donate, elsewhere, and trash. Start in one room, working clockwise. Items that you find that belong in another room go in the ‘elsewhere’ box. Items you don’t need go in ‘donate.’ Work for 20 minutes each day and then put things from the elsewhere box in the appropriate rooms.
Minimize cleaning time by minimizing your décor. Donate items that are no longer interesting to you and that feel outdated or tired-looking.
The locale for everything “gadgety”. Thin out specialty tools that rarely get used. Store them elsewhere in a seasonal or entertaining area or let them go.
Take the frustration out of meal planning. Subscribe to online meal-planning sites such as, or
Perhaps the most overwhelming of all. Imagine being paperless, how good that would feel! Start by going paper-less. Cancel magazine & catalog subscriptions (call the 800# inside, it only takes 2 minutes!) and junkmail (
Plan out your week or month in advance. Mark down work commitments and personal time. What tasks, errands, appointments and events are you going to do? Kindly say no to events that would require you to over-commit yourself. Simply say, “I’d love to, but I already have commitments that day.”
Too many toys in the room? Put some aside and rotate toys every few weeks to keep things fresh for the kids. They’ll ask for their favorites. Are there toys they never seem to miss or they’ve outgrown? You guessed it, donate or toss them!
Make a standard checklist of all items you need when you travel. Include personal items, electronic accessories, documents (i.e. maps, passports, phone numbers), clothing, snacks, etc. Leave blanks in each category for things to add for each specific trip. Print off a form each time you travel or laminate and use a dry-erase marker to check items off as you pack.


Get one free hour when you purchase a new Service Package from Major Mom in the month of January! Mention coupon code SIMPLIFY to your Liberator.

Call303.991.5478 or 866.693.6996 to schedule. Have questions or want to find out more? Email us at

Major Mom | 5650 Greenwood Plaza Blvd. STE. 213 | Greenwood Village | CO | 80111


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Focus on Fire Safety: Fire Escape Plans

In the event of a fire, remember that every second counts, so you and your family must always be prepared. Escape plans help you get out of your home quickly. In less than 30 seconds, a small flame can get completely out of control and turn into a major fire. It only takes minutes for a house to fill with thick black smoke and become engulfed in flames.

Prepare and practice your fire escape plan twice a year with everyone in your household, including children and people with disabilities. It’s also a good idea to practice your plan with overnight guests.

Some tips to consider when preparing your escape plan include:

  • Draw a map of each level of your home and show all doors and windows. Find two ways to get out of each room. Make sure all doors and windows that lead outside open easily.
  • Only purchase collapsible escape ladders evaluated by a recognized testing laboratory, such as Underwriters Laboratory (UL). Use the ladder only in a real emergency.
  • Teach children how to escape on their own in case you cannot help them.
  • Have a plan for everyone in your home who has a disability.
  • Practice your fire escape plan at night and during the daytime.


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Co-Founder Frank Robinson

Frank Robinson graduated from Boise State University with a degree in Business Administration, emphasis in Human Resources. He also has a Master of Arts in Organization Management from the University of Phoenix. Frank played professional football for the Denver Broncos and Jacksonville Jaguars for 3 years. Learn More...

Co-Founder Stewart Gallagher

Stewart Gallagher graduated from Colorado State University with a Major in Political Science and minors in both Economics and Philosophy.  Over the past 12 years Stewart has worked for 3 major financial intuitions holding various positions from teller to Assistant Vice President-Branch Manager. Learn More...