Founder and Chair – LMFC
Vice Chair – LMFC
President and CEO – The Bank of Northern Michigan
SVP of Shared Services - LMFC
Senior Vice President, Traverse City Market Manager

Hear from the founder of Lake Michigan Financial Corporation, Rich Lievense, and his insight on what this blog encompasses.

Think the family farm is dead?  Think again.  Farming is in the midst of a startling renaissance – one that holds lessons for America’s (and Michigan’s) future.

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For years, politicians and retirees could safely ignore the crisis facing America’s Social Security system. The problems lay in a distant, hazy future, far beyond the next election. That is now changing.

This is a problem I have been writing about for some time. The attached article provides some sobering hard data to define the problem we face and the magnitude of the solution we must develop.
In this political season, we are hearing about the decline and fall of our country and its economic system.  While mostly rhetoric to excite potential voters and attack competitors, there is something to it.  After the second World War, the United States was the undisputed economic powerhouse in the entire world.  While the rest of the world spend a generation or more rebuilding their shattered economic and infrastructure we built strong companies and exported around the world.  We also made significant long term investments around the world that have paid off in many ways for generations.  As the rest of the world recovered from war and the global depression, their economic systems recovered as well and grew into significant competitors for United States based companies.  While we have continued to grow, they have grown faster from a much smaller base.  Some of these countries also have much larger populations which will ultimately lead to larger economies.  This article might help develop some perspective on our place in the emerging world order.  

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Personal debt dies with the borrower, and thus can’t be passed along to children or spouses -- but there are some notable — and potentially costly — exceptions.

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