Brenda Hendrickson CSA

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Brenda Hendrickson, CSA has been in the accounting and tax field for over twenty years and is owner of an accounting and tax firm, Brenda Hendrickson CSA, LLC, in New Jersey. She started her career as a full charge bookkeeper, an accounting manager for a civil engineering fir, then controller for a construction management firm which built skyscrapers in New York City. She had financial responsibility for Journey's End Hotel, a $25million project off Fifth Ave near the New York Public Library. Her real estate knowledge as a broker was invaluable for this position.

She received her BS in Economics and Accounting from Fairleigh Dickinson University, Madison, New Jersey. She went back to FDU where she received a certificate in the Certified Financial Planner Program. She received her Certified Senior Advisor designation, and Registered Tax Return Preparer designation from the IRS. She believes that education has been the way to pass the knowledge to her clients.

These credentials have positioned her to help numerous individuals and small businesses in several ways, first, to implement tax planning as a tool to maximize what is kept, second, to improve bottom line by designing QuickBooks to have more control of their business, be able to make timely management decisions, and have a pricing strategy to optimize net profits, and third, as an educator to teach accounting, QuickBooks, and publishing basics at the college level and to organizations such as the United Nations.

She established her accounting and tax practice in Cedar Grove. In three years her business grew by 25% due to her philosophy to give a little extra and help clients succeed.

Throughout her successful career she has discovered some secrets as to why some people retire rich while others don't. And it was this discovery that led her to add "author" to her list of accomplishments...so she could share these ideas with as many people as possible. Her book "How To Be A Frugal Millionaire", challenges everyone to develop a 'frugal' mindset.

Her book was published spring 2008. And we all know what happened that fall - the worst financial crisis since the depression. Frugality was a necessity then and still is relevant in today's economy. She has created an e-book in Kindle and Nook formats, so more people can download it at a frugal fee.

She speaks on topics as wealth management, tax tips and planning, and self publishing. She has been a featured speaker for Fairleigh Dickinson University's Business Leaders of Tomorrow and panelist for its Horizon Program. She has been features as an author and tax expert on Cablevision Channel's 26. She has also been interviewed on radio on channels 1450 am, 98.3 fm, and recently on Rowan Radio Public Affair's "A Community Affair" 89.7 WGLS fm, and numerous other speaking engagements.

She has won the Teal Heart Award from the New Jersey Association of Women Business Owners for going above and beyond, NJAWBO Essex Business Woman of the Year, 2009 NJBIZ 50 Best Women in Business, 2010-2011 President of NJAWBO Essex Chapter, and Essex Diversity Event Committee member for each year since its inception in 2006.

Her affiliations include National Society of Accountants, National Association of Tax Professionals, Society of Certified Senior Advisors, New Jersey Association of Public Accountants, The Association of Women in Communications, National Association of Realtors, and New Jersey Association of Women Business Owners.

Expert Articles by Brenda Hendrickson CSA

Budgeting

Save money and spend wisely—become a millionaire by living frugally
The beauty of developing a frugal millionaire mindset is that it can produce positive results in every stage of life. It doesn’t take money, no products to buy, and no seminars to attend. The whole ...
Make small changes in spending and reduce costs to boost savings
Let’s take the frugal mindset challenge to reduce everyday expenses. Take the time to determine where there are holes in your budget. Eliminate them or replace them with less expensive alternatives....
How to respond when a friend asks for money or a loan
Being one’s ATM doesn’t help either you or your friend. Being an ATM decreases your asset (cash), while your friend’s liability increases. There is an old adage that goes something like this: gi...
Teach your kids about money and how to budget, spend, and save
We owe it to the next generation to understand how money works and how to save it, spend it, not fear it, and donate some of it. Most of all, remind your children that money does not guarantee happine...
Spend your money wisely while on vacation and stay on budget
Vacations remembered last a lifetime. They are engrams that can be recalled and put a smile on our face. These fond memories make us want visit new places. This can be done by planning for, budgeting ...

Retirement Planning

Gain control of your financial health for retirement with a budget
We have created the basic tool—the budget—to provide you with a guide to your financial health. Life spans have increased; therefore, retirement funds need to last longer. A budget is not written ...

Expert Articles Sponsored by Brenda Hendrickson CSA

Credit and Debt Management

How to rebuild your credit after clearing up debt problems
With the right plan in place, you can secure your financial future in spite of the chaos of our current economy. The key is to build good financial habits to replace the bad ones that landed you in fi...
How to pay down credit card debt on your own
Paying down credit card debt on your own is possible for many people. Instead of feeling overwhelmed, start by creating and using a simple monthly budget. Then choose either the avalanche or snowball ...
Avoiding holiday debt
Learn how to create a strategy that helps you avoid depending on credit cards and racking up too much debt during the winter holidays. With careful planning and the right amount of preparation, you ca...
Stay out of debt and within your budget when shopping for the holidays
With just a little effort and planning, you can create and use a simple holiday budget. When you work from a budget, your holidays can be far more carefree. Ultimately, you will be able to focus on jo...
Get a credit card with low interest rate and great rewards program
Applying for a credit card requires preparation, so make sure you take the necessary steps beforehand to set yourself up for continued financial success....
Avoid late fees and lower interest charges with debt consolidation
With debt consolidation, you may be able to simplify on-time payments. But remember that it does not address the need to look at the root problem. It will be important to make a commitment to turning ...
Choose the right debt consolidation company to help pay down your debt
If you are facing too many accounts with too-high minimum payments at crippling interest rates, debt consolidation services may offer a solution. The rule of thumb in choosing a company is “buyer be...
Teach your college student financial responsibility with a credit card
If you follow this advice, it can serve as the basis of good financial responsibility going forward. Since this is the first time your child will be making financial decisions independent of you, the ...
Avoid bankruptcy, take control of your debt, and repair your finances
For some, bankruptcy is a viable option. Yet, there are many other ways that you can settle your debts and repair your finances without an extreme measure such as bankruptcy. Whatever route you choose...
How to stop harassing phone calls from debt collectors
The only real way to ease the burden of the debts and truly stop the harassing phone calls is to settle your debts. Explore your options and find the right program for you. Research your options to pa...
Be financially responsible with your credit card while in college
Remember, having a credit card is a huge responsibility and any mistakes you may make now can impact your ability to take out a new line or credit or a loan in the future. Before you know it you will ...
Credit counseling can reduce monthly payments and pay off debt
Credit counseling can be very helpful for individuals who can stick with the program over several years, and who can make the payments resulting from a lower interest rate. If you do have debt, make s...
Understand debt settlement to help deal with your debt problem
Debt settlement, also referred to as debt resolution, is a serious process for people in serious debt. For those who qualify, it can provide significant benefits: lower monthly outlays, reduced debt, ...
Choose a trusted debt settlement company to help resolve your debt
When it comes to getting debt help, selecting a solid partner that will help you is critical. For those who are looking for a trustworthy organization to help win the battle against debt, these consid...
Expert advice on how to deal with a debt collector
If you are working in good faith to repay your debts, don’t let debt collectors harass and intimidate you. You have the right to be treated with respect while you work to get out of debt and find yo...
How to negotiate outstanding debt with a credit card company
It’s possible to successfully negotiate debt with a credit card company, but it is imperative that consumers know their rights when it comes to federal credit card laws. Do your homework first, that...
The importance of debt: Is there such a thing as healthy debt?
Remember to focus on lasting value when evaluating whether a debt is healthy or unhealthy. Healthy debt will provide lasting value, and is aligned with a long-term goal (e.g., a mortgage enables you t...
How to improve your credit score and ensure financial health
Beyond financial institutions, potential employers, landlords and even cell phone providers may look at your credit score to determine whether you’re a good credit risk. Credit scores also play a pa...
Everything you need to know about credit reports and credit scores
It’s important to distinguish between credit reports and credit scores. Knowing the details of your credit report as well as the meaning of your credit score will help you identify financial strengt...
How to recognize and avoid a personal financial disaster
The signs that you’re flirting with a financial disaster may not be clear when committed individually, but a few of these combined should be an obvious red flag to any consumer. However, with a litt...
How and why your should improve your credit score
Getting your credit back to where it needs to be so that you can do the things you want to do isn't an impossible feat. It just takes a little patience, checking your credit report regularly, disputin...
How to negotiate a lower interest rate on your credit cards
If you want to negotiate a lower interest rate, do your research, call and ask, and have a back-up plan in place. A lower APR will save you money and reduce your credit card debt. These potential savi...
Lower your credit card interest rate with a phone call
When attempting to renegotiate your interest rates, it is important to be prepared before you pick up the phone. Make sure you’ve done your research and that you’re ready with any necessary inform...

Caring for Aging Parents

Advice for elderly families in transition
Having parents or elders age forces conversations between parents and children around elder’s wishes on housing, care and end of life directives. These can be uncomfortable conversations but are nec...
Help your elderly parent maintain independence with good communication
Many of these suggestions are common themes in successful communication between adults. Mutual respect and courtesy is a must, and developing new skills, along with practice, is a constant. The reward...
Get help caring for an elderly parent with this expert advice
...
Get long-term care that is the right fit for your elderly parent
Finding long term care for your loved ones is not something to be taken lightly. There are many options and it’s important to know the wishes of your loved ones and to be informed about the differen...
Discussing difficult life issues with aging family members
Talking with aging family members about difficult life issues is not easy. But mapping out the conversation ahead of time and avoiding major pitfalls can make important family discussions more positiv...
Managing the stress often associated with family caregiving
Reaching out for love and support can be a sure-fire way of sustaining yourself as a caregiver and the well-being of your loved one. When done mindfully, respecting your own needs and preferences, as ...
Minimize the holiday blues for seniors suffering from depression
As a caregiver or family member of a depressed older person, make it your responsibility to get involved. You can make a significant difference and remove or lessen the holiday blues for seniors suffe...
Talk openly by starting a care conversation with aging parents
After conversing with a loved one’s doctor or care provider and determining what type of care center is most appropriate, a family can explore options within their community that fits their budget a...
Preserve the dignity of your elderly parents by caring for their needs
Together we can work toward making a difference in the overall well-being and preservation of dignity of the elders in our communities, who, indeed, are deserving of our care and respect. Help your el...
Navigating the challenges of becoming a caregiver to aging parents
Caring for aging or sick parents can bring rewards, but it also comes with challenges. Take the steps to assist your parents in getting their legal documents in order before caregiving becomes require...
Advice for seniors moving to a smaller home or retirement community
Move while you are the one in charge. If you put in the work up front, during the planning and sorting phase, your move will be much smoother. Let experienced movers, such as Senior Move Managers, ass...
Advice for managing the depression of your aging loved ones
Depression is the most common mental illness affecting seniors, and the signs should not be ignored. In fact, the elderly have the highest rate of suicide out of all age groups. While today’s treatm...
How to best approach your parent on moving into a nursing home
Responding to the needs of aging parents is a difficult and emotional process for everyone. Adult children need to communicate clearly and directly with the parent while being respectful and caring. A...
How to find a good home care agency and stay in your home
Mom and dad have made the decision to stay at home instead of moving to a assisted living facility. You know that in order for them to be safe and comfortable they are going to need assistance. Home C...
Loved ones can help seniors though the progression of Alzheimer's
Alzheimer’s affects more than 5 million Americans, and the disease has an impact on the entire family. While adult children become caregivers for aging parents, young children and teens need support...
How to ensure the safety of your aging parents behind the wheel
Aging does not necessarily mean a person's driving days are over. However, it is vital to ensure the safety of your loved ones on the road. This begins with learning more about how to detect problems,...
Maximize rewards and minimize stress when caring for aging parents
Having parents age and fail is unsettling emotionally and disruptive in many other ways. Caregiving can be extremely taxing and very tricky to navigate, but it can be deeply rewarding. A major key to ...
How to help and support your aging parents as they grow older
Keeping these simple guidelines in mind will not only help improve the relationship you have with your parents, but it will also ease the stress that invariably accompanies changing roles. We all want...

Families in Divorce

Teenagers: You can get through your parents' divorce
There’s no sugarcoating the fact that divorce is trying for everyone, especially for the children. Remember though, that this will pass. Your parents will eventually be their normal selves again, an...
Creating a safe, open space is key to talking to kids about divorce
Children thrive when they grow up in a conflict-free environment, and this initial conversation about divorce is the first opportunity for parents to create this safe space. By telling children togeth...
Single moms have healthy social lives by managing kids' expectations
It is vital for adults to engage in a social life post divorce. Having no interests outside of children is unhealthy and sends the wrong message to kids. While it is common for children to fantasize t...
Sensitivity is vital when talking to toddlers about divorce
Toddlers thrive when their needs are understood and met. Remember, your children may not have the words to express themselves at all times. Be patient, keep the routines as steady as possible, and rea...
Ease the transition for kids between two homes after divorce
After a divorce, it can be very difficult for children to adjust to living arrangements between the new homes of their parents. While the constant moving can become taxing, it is possible to make the ...
Help your kids by moving on after divorce and reclaim your life
Divorce can leave you feeling like your life is spinning out of control, but tying up the remaining ties that bind you will help you reclaim your life. It is important to remember, especially for pare...
Managing the effects of divorce on kids with and without disabilities
A divorce is challenging for any family to endure. When a family with disabilities is divorcing, some of the same guidelines apply to the family in terms of how to minimize stress and maximize positiv...
Expert advice for protecting your children during and after divorce
To avoid making regrettable mistakes and to safeguard our children’s peace of mind following your divorce there’s one crucial question every parent should ask themselves: Do I love my children mor...
What to do when your teenager wants to move in with your ex-spouse
When your teenager tells you they want to move in with your ex you may feel overwhelmed, upset, betrayed, or hurt. It is important to not let these feelings cloud your judgment. If you are certain you...
Navigating divorce while raising a child with special needs
Divorce is challenging for the entire family, but smart planning is vital when caring for a child with special needs. Make the system work for you and your child by taking a practical look at what spe...
Ensure a happy and healthy future for kids by divorcing with dignity
How you divorce and how you behave after the divorce affects your children for the rest of their lives. When you divorce with dignity, you are teaching your children how to behave by your example--not...
Make your divorce easier on kids by divorcing only your spouse
Divorce is traumatic for the entire family—especially for children. Always think about your words and your actions. It is crucial to help your children understand that although their family has chan...

Wills and Estates

Helping you through probate
Probate can be a complex process depending upon the amount and value of the assets in the estate, the debts owed and the number of people involved. It is important that you know what to do and what no...
Things to consider with a power of attorney
A power of attorney utilized by the right person in the right situation(s) is a very helpful and effective tool. Unfortunately, many people sign a power of attorney without proper guidance from an att...
What’s the difference between a will and a living trust?
There are many factors that go into deciding whether your family is best served by a will-based estate plan or a living trust. Making the right decision can save money, hassle, and heartache. Like mos...
Should I leave assets outright or in a trust?
Leaving assets to heirs can be a tall task for people. There are often numerous considerations that need to be addressed, including whether to leave assets in trust or whether to leave those assets ou...
Evaluate elder’s competency to protect their health and finances
A competency evaluation team includes medical professionals and clinical psychologists who evaluate a person's cognitive functioning, memory capacity and reasoning capability. These factors are import...
A revocable living trust will protect your assets and avoid probate
Though setting up a living trust may seem complicated compared with a will, ultimately it may provide you and your loved ones with more options when it comes to planning for the future. Because estate...
Create a postnuptial agreement to protect your financial future
When bringing up the topic of getting a postnup, always remember that this is a financial plan for your future; to protect the finances you and your spouse have acquired since being married. Always ma...
Create a written will to protect loved ones and give you peace of mind
Writing a will is an emotionally fraught issue. For many people, making sure their relatives and loved ones are taken care in the event of their demise is essential. Though there are myriad issues and...
Expert advice on deciding if a prenup is right for you
A prenup is what you make it. It can be simple, straightforward and equally protect both parties. It can be used simply as a planning tool to expedite a divorce, or it can be used to protect only one ...
Ensure your pets are taken care of in your estate plan and will
Determining what should happen to your pets if you become unable to take care of them is an important and often overlooked part of estate planning. If you think of your pets as members of your family,...
A will helps control the distribution of your estate after death
Even if you desire to leave all of your property to those who would be considered your “heirs at law,” a simple self-proving will appointing an independent executor will streamline the probate pro...
Newlyweds should prepare a will and discuss estate planning
This article discusses some of the most important estate planning issues to be concerned with for newlyweds. If you need further help, you should contact an estate planner or an attorney who is experi...

Surviving Divorce

Have a healthy and successful pregnancy while getting a divorce
Divorce during pregnancy can be fraught with emotion. You are not alone, and you will get through this. Give yourself time to grieve and focus on yourself and the new life you are carrying!...
Successfully move on and start over after the divorce is final
At the end of the day, only time will heal your wounds. However, the more time you spend doing other things, the less time you will have to spend on what used to be. The past is gone, and the future i...
Take the right steps to help yourself and reduce stress during divorce
Although divorce can be quite painful, it is also a brand new beginning. New beginnings can be exciting, and if you focus on the positives ahead of you, you can create new, exciting dreams and hopes....
Move beyond dependence-like behaviours to help heal from heartbreak
The sufi poet Rumi reminds us that the way through the pain is to feel the pain. However, even in the midst of those feelings, if you can catch even a glimmer of the fact that healing is possible, and...
Expert advice when your spouse surprises you with divorce
Being surprised by something as big as a divorce is almost impossible to imagine if you have never been in that situation, and is something no one would wish on their worst enemy. However, if you find...
Rebuild your self-confidence and self-worth after divorce
As far as changing “your relationship” goes, focus on the relationship with yourself and what your life would be like as a woman whose essence will be restored. Begin a self-embracing path which w...
Divorcing your sugar daddy: a zero-calorie drama-free action plan
Divorcing your sugar daddy can be an icky, sticky process. There will be times you want to give up, give in, or simply get even. But in the long term, divorce is just another challenge to overcome. Le...
Get a divorce coach to help and support you in your divorce
A divorce coach may be the only person completely in your court, who is your support for handling your divorce challenges in the most effective way possible; and at the same time helping you to gain c...
You win when you remain civil with your ex during the divorce
Divorce will always be a difficult experience. But your actions and your choices can help you to avoid adding unnecessary pain and unnecessary expense to the process....
What to do if you disagree when dividing assets during a divorce
Dividing assets is an important part of the divorce process and one you do not want to shortchange or overlook. Reaching a fair division of property is the goal. To do that, you need to identify the a...
Advice and help when your husband has cheated on you
Cheating is not a death sentence for a relationship. There are many factors that play into whether or not divorce is inevitable. Remember it is not possible to be committed to two people at the same t...
Keep a level head and productive dialogue with your soon to be ex
When we get divorced for the right reasons, and go through the process lovingly and respectfully, it offers an opportunity for growth and paves the way for a bright future.These spiritual tools can of...
My way or the highway is a road to nowhere in divorce
Effective negotiation relies on effective communication. In divorce this is very important especially if you have children that you will be co-parenting after the divorce. Co-parenting and new relatio...
Stand your ground and get what you want out of the divorce
Many people find it difficult to be assertive, especially in a divorce situation. It is important that you take the right steps so that you do not give in to fear or intimidation and that you get what...
Life after divorce: How to rebuild your self-esteem and confidence
As long as your inner core is not strong, your divorce will affect your sense of self confidence and self worth. Making that core strong will pave the way to the next chapter of your life as a single,...
How to survive divorce and still get what you and your family need
Throwing in the towel is giving up. Sometimes we justify it by saying it just isn’t worth it to keep fighting the fight! And what if you weren’t fighting the fight? What if you were paying attenti...
Women in divorce need to understand division of marital assets
In order to divide assets you first need to be aware of your total financial picture. Getting good advice and representation is also critical to understanding your needs and rights before you sit down...
How to make a trial separation work and not always end in divorce
A trial separation may be the next step; a well-planned trial separation can be enormously helpful. When approached with considerable thought and planning they do save some marriages. Just as importan...
Reduce the stress of divorce by being cooperative and rational
The better a couple is able to cooperate, the sooner you can complete the divorce, which is the ultimate goal. Divorces are not about win or lose; it’s about finding salvation and taking the appropr...

Budgeting

Gain control of your money
Many people have been hit hard by the current financial crisis. They find themselves behind on their bills, underwater on their mortgage, and feeling completely helpless. The great news is there are c...
How to create a household budget
Budgeting is the number one way to spend and save smartly, and to get out - and stay out - of debt. A budget, or a spending plan, is simply a way to intentionally spend and save money to meet your goa...
Financial planning 101 for empty nesters
Getting used to living as an empty nester takes time. The best way to transition into this new phase of life is by re-focusing on new goals. Begin by getting your personal finances organized. Our tips...
Cure the holiday debt hangover with a headache-free financial plan
It’s not too late into the year to make a fresh start. If you still have a holiday debt hangover, remedies do exist. Determine which plan, or relief option, is right for you, and get started on the ...
Teach your children rich habits to be financially successful in life
Ensuring that your children are taught rich habits is the best thing that you can do to make sure your children grow up to be financially responsible and financially successful. Get your children off ...
Navigating online shopping during the holiday season
It’s important to shop smart so the big deals don’t break the budget. Smart consumers will set a plan and stick to it, and not get caught up in the frenzy of discounts and deals....
Recommended New Year resolutions for your personal finances
Becoming financially stable isn’t always easy, but it isn’t impossible. By breaking old habits, such as frequently eating out or overspending on name brands, you can help yourself achieve your fin...
When paying your bills, decide which debt is best to pay first
By putting things in perspective and moving one step at a time, you can make decisions that let you set the best priorities and goals for your financial life. Once you cover the basics and get out of ...
Save money in a rainy day fund for life's unexpected emergencies
A rainy day fund covers life's inevitable surprises. The more diligent you are in contributing to your fund, the more effective the strategy will be. The rainy day money should always be kept in a sep...
Save money and spend wisely—become a millionaire by living frugally
The beauty of developing a frugal millionaire mindset is that it can produce positive results in every stage of life. It doesn’t take money, no products to buy, and no seminars to attend. The whole ...
Prepare a budget and then use online tools to manage your money
You can’t improve what isn’t measured. Utilizing the multitude of free online budget tools will help you measure and improve your budgeting. Every person has different needs and will start off wit...
Make small changes in spending and reduce costs to boost savings
Let’s take the frugal mindset challenge to reduce everyday expenses. Take the time to determine where there are holes in your budget. Eliminate them or replace them with less expensive alternatives....
How to teach your children financial responsibility
Parents can teach financial responsibility in a way that is interesting for children. Most important is remembering that parents are their children’s role models. When kids see you budgeting, saving...
Financial planning for the first time investor
Hopefully you have gathered from these simple steps that investing does not need to be complex or overwhelming if you are a first time investor. Start small, do your homework, and create a financial p...
How to respond when a friend asks for money or a loan
Being one’s ATM doesn’t help either you or your friend. Being an ATM decreases your asset (cash), while your friend’s liability increases. There is an old adage that goes something like this: gi...
Advice for those investing in the stock market for the first time
Investing on your own isn’t always an easy task, especially when you first start out. However, I encourage you to stick with it and learn how to properly invest your own money. It’s rewarding to s...
Teach your kids about money and how to budget, spend, and save
We owe it to the next generation to understand how money works and how to save it, spend it, not fear it, and donate some of it. Most of all, remind your children that money does not guarantee happine...
Saving for a rainy day fund is easy with this advice
Not having saved for a crisis is what throws many people into a financial disaster. When finances are tight, it can be challenging, at best, to create an emergency fund. But saving for a rainy day -- ...
How to talk to your children and grandchildren about finances
It is never too early to start talking about financial planning with your children or grandchildren. If you help set them on solid financial footing when they are young, your lessons about money will ...
A financial planner can help you reach your investment goals
There are many different styles of financial planning out there. With a bit of searching on your part you can easily find a good fit. Doing your homework on financial planners is just as important as ...
Owning gold or a gold IRA can be a great long-term investment
Gold has long been recognized for its ability to protect purchasing power and act as a safe-haven investment against inflation, market crashes, geopolitical conflict, etc. While daily fluctuations in ...
Educate teens on the importance creating and following a budget
Truth-be-told: teens are adults in training. When given the opportunity, they will demonstrate responsible behavior and smart financial management. They can be motivated by their own wants and needs, ...
Spend your money wisely while on vacation and stay on budget
Vacations remembered last a lifetime. They are engrams that can be recalled and put a smile on our face. These fond memories make us want visit new places. This can be done by planning for, budgeting ...
How to stay on a strict budget and be happy at the same time
We all have one reason for budgeting in common, and that is to reach our goals, whatever they may be. Expecting the unexpected while still trying to save for life’s planned events can be quite the t...
How to save money and take a vacation without going into debt
Remember that the goals of a vacation are rest and relaxation. They are worthwhile goals to attain, and worth saving for. Some simple budgeting and planning will help make sure you can get that R&...
What is diversification and a diversified investment portfolio?
Many academic studies have concluded that asset allocation is the most important determinant of a portfolio’s performance - even more so than transaction costs and security selection. The main issue...

Home Mortgages

Guide for first time homebuyers on securing a mortgage
There has never been a better time to become a first time homebuyer. Housing prices have bottomed out and appear to be stabilizing. Most experts are predicting that we will see home prices begin to in...
How to get a mortgage to buy or refinance your home
Financial institutions have become more rigorous in their mortgage application process. The mortgage application and approval process can seem demanding an onerous. Reduce your stress by having patien...
Guide to obtaining a mortgage in the new lending world
Getting a mortgage is not the same as it was just a few years ago. The process is harder, more thorough and often longer. However, you are trying to obtain the American dream of owning a piece of eart...
Secure a mortgage and proper financing for your vacation property
Enjoying your new vacation home is a lot more fun than getting the financing. Make sure you are prepared to run the gauntlet: clean-up any inaccurate credit, put down as much down payment as possible,...
Successfully secure a loan for your home renovation project
A newly renovated home can be beautiful thing. Good planning on how you are going to finance the costs of these improvements and who will help you do this will make this journey much more pleasant. A ...
A reverse mortgage is a great way for homeowners to convert equity
A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...
Choose between a 5/1 ARM or 30 year fixed rate mortgage
A fixed-rate mortgage generally costs a bit more per month during the first few years of your mortgage, but you know what your payment will be for the term of your loan – for instance, if you are lo...
Which loan is best for you? A jumbo or conventional mortgage
Securing a loan when purchasing a home is just part of the process, and you need to know what options you have so that you can have the best interest rate and the lowest monthly mortgage payment possi...
Expert advice on buying or not buying points for a home mortgage
Just like most things in life, the answer to this question is nuanced and it starts with “it depends.” It depends on how long you’ll keep the loan, how much the point will cost you, and how long...
Expert advice on securing the best rate for your home mortgage
Shopping for a mortgage and mortgage rate can be a daunting process. Remember that buying a home and getting a mortgage is the biggest financial decision and investment that most of us will make in ou...
Rebuild your credit and secure a mortgage after a short sale
Selling your house as a short sale can be a very overwhelming task even 3 years after. But in order to make it less stressful, and not ruin your credit for a long period of time, there are definitely ...
Veterans should use the VA Loan Program when buying a house
If you’ve served in the military, the VA home loan guarantee program can provide great benefits that are unavailable to civilians and those using a conventional mortgage product. Get in touch with a...
Determine how much you can afford to borrow for a home mortgage
Determining how much you can afford to borrow combines the efforts of both the buyer and the lender. Borrowers must do their part to provide accurate and current information to their lender, but they ...
Advice for successfully securing a home mortgage when self employed
America’s economic vitality relies on the small business owner and the self-employed workforce. It’s unfortunate that these same individuals often face higher hurdles when obtaining mortgages for ...
How to successfully get a mortgage for your investment property
We have all seen or known individuals who have built their own rental real estate portfolios and complemented their other investment strategies nicely through ownership and management of real estate. ...
Learn when to lock your fixed rate loan to get the best rate
More than anything ask your friends, family, and coworkers who they recommend to help with mortgage financing. Interview several of them and listen to your gut instincts. Ask yourself, is this a solid...
How to get a mortgage for a home with less than 20% down payment
Choosing the mortgage structure that is best for you in the very common situation where less than a 20 percent down payment is requires an understanding of both your needs and the lender’s requireme...

Taxes

Be prepared for when you get audited by the IRS
An IRS tax audit can be won, but only if you know your rights and know how and when to assert them. By following the simple rules outlined in this article, you too can handle many aspects of your audi...
Expert advice on dealing with the IRS on back taxes and collections
In any dealings with the IRS collection division, you first want to make sure you avoid any enforced collection activities, such as wage or bank seizures (called ‘levies’). If you cooperate with t...
Protect against an IRS audit when you file small-business taxes
If you establish your small/home-based business under the proper entity and run it in such a way that you appropriately compensate yourself for your time worked, properly classify your workers, and ma...
Hire a trustworthy and qualified certified public accountant (CPA)
CPAs are typically one of the most trusted advisors an individual will work with in their lives. Even though the process of hiring one may be a bit time consuming, performing a little due diligence up...
Advice on hiring the right tax attorney to help you fight an IRS audit
If you are in need of a tax attorney, it is important that you seek the services of one who is the best fit for your case. Work with an attorney who is experienced, has a good understanding of your ca...
How to make sure your tax returns are never audited by the IRS
The IRS is currently auditing as many people as they can. Their auditors are trained to extract as much money from you as possible. Your best protection is to avoid an audit at all costs. Remember to ...
Should you have a professional tax preparer do your personal taxes?
Deciding to use a paid return preparer is a personal decision based on the complexity of your reporting situation, the amount of money and time you have to spend on tax preparation and your own comfor...
Advice for filing taxes on your own for the first time
Whether you are 3yrs, 18 yrs, or 30 yrs old filing for the first time, you must understand that preparing a tax return requires an understanding of the tax rules. Most general information passed aroun...
What can independent contractors do to help reduce their tax bill?
The keys to minimizing taxes are knowledge, planning, and record keeping. You need knowledge about your business and knowledge about the available tax deductions and credits. Planning allows you to ma...
Small businesses can cut taxes by donating excess inventory
Companies that are interested in donating merchandise have options to consider. They can either donate items themselves or use a gifts-in-kind non profit organization.A gifts in kind program solicits ...
Tax advisers do taxes and can help improve your financial health
Choosing a tax advisor shouldn’t be as simple as selecting the first one you see in the phone book. Do thorough research and find the best person to meet your individual needs. Your advisor should b...
Advice for a sole proprietor business owner facing an IRS audit
Audits are not fun, but they happen. The best way to prepare for an audit is to have your documentation organized when you file your return, and keep that information for at least seven years. Failing...

Financing Education

The EFC and how it affects your financial aid
Understanding how financial aid calculations work for the colleges your student is considering is essential to proper college planning. Each family’s finances are unique. What may work for a high-in...
Apply for scholarships the right way to get more money for college
Securing funding for your education can be a daunting and anxiety-ridden task. However, investing the time necessary to identify and apply for scholarships and being focused in your search could make ...
Teach your college student how to budget for financial independence
Teaching your child financial responsibility while in college is one of the most important lessons you can teach them. Going over these financial tips with your college student can not only help them ...
How to save money for college and retirement at the same time
Finding the financial resources to save for retirement and college savings requires careful planning and budgeting. I typically recommend to my clients that retirement savings is the top priority, whi...
College students: manage your spending to help you save money
While you are hitting the books and earning that degree, you also can be making an investment in your financial future by developing good financial management skills. Set the basis for your future by ...
Make the most of federal student loans to pay for college
The U.S. now has the most generous student loan repayment program in the world. The problem is that almost 90% of the public, the majority of the news media, and even most members of Congress don’t ...
Should you use student loans to pay for your college education?
If there is only one thing you take away from this article, it’s that you must assess if the debt is worth it. I encourage you to reach out to a career counselor or a professional in the industry yo...
A 529 plan for your child is a smart way to save money for college
If you plan to put several thousand dollars into any 529 plan, be sure to have a meeting, first, with a CPA or certified financial advisor who understands them well, and can also discuss other options...

Education Loans

Avoiding the horror stories of student loan debt
As in most other personal finance matters, planning ahead is usually a worthwhile effort. It may involve more factors in your college decision, but with the cost of college so high today, families and...
Parents: Caution when cosigning for child’s college student loan
Cosigning a loan is a big commitment and not a decision you should make without really thinking it over. Consider all of the options you and your child have to finance his or her education before maki...
Consolidating your student loans is the best option to repay them
Loan consolidation may simplify your repayment process, lower your monthly payments, and help you avoid default on your student loans. But before applying for consolidation, review all of your options...
Advice for when you are not able to pay your student loan payments
Not being able to repay your student loans may be a big event in your life, but it doesn’t define your life. Following these steps will help you take inventory of the magnitude of the problem, so yo...
How to have a life after college and repay your student loans
With a little careful planning and budgeting, recent college graduates can get started on the right foot. Depending on your long-term goals, being open to a public sector position may help wipe out th...
Money lessons every college grad should know
Graduation is a time to celebrate your achievement over the past four years and the transition to another phase of your adult life. Take the time to educate yourself now on the basics of personal fina...

Money and Health Care

Do not let large medical bills weigh you down
By staying in constant communication with your billing office, paying the debt off slowly, and researching assistance programs, you can pay off your large medical debt easily. Keep in mind that paying...
Read the small print when signing medical financial consent forms
Other kinds of small print can also harm your finances when you sign one of these forms. Always read before signing, and ask the right questions, to help protect your family budget against possibly un...
Protect yourself and your budget when signing online medical financial consent forms
Many factors can affect your health care experience including your doctor’s financial policies. Be vigilant and aware of unclear language or mistakenly waiving your legal rights. If you find yoursel...
Understanding your medical bills can protect your financial health
Having a medical procedure or test can be intimidating in and of itself. Take the time to understand how your insurance plan will cover the service and or your financial obligation. Communicate with y...

Estate Planning

Planning your funeral service in advance gives you peace of mind
Beginning the pre-planning process presents several choices to consider. A good start is by searching online for a funeral service that suits your needs. Simply making an appointment at a funeral home...
Advice for selecting the right estate planner for your situation
Like any other professional engagement, the biggest problem is often finding the one you are comfortable with and who possesses the skill and knowledge to address your situation properly. The list of ...
Having a baby? Create an estate plan to protect your family
Don’t feel that setting up an estate plan when preparing for a baby is one more burdensome item on your list. Embrace the moment but think about how you’ll want your spouse and new addition taken ...
Create a well-designed estate plan for you and your family
There are many shapes and sizes of estate plans, from basic to very complex. Finding the one that is right for you takes some thought and planning, but is not that difficult to do. Approach the proble...
A well-rounded estate plan will help protect your family
Compile and evaluate all of your assets and think about how you’d want them safeguarded after you’re gone. Think about how you’d like your spouse and kids cared for. Finally, consult with an att...
Receive an inheritance recently? Here is expert financial advice
Receiving an inheritance leaves most people feeling overwhelmed and confused. Figuring out how to manage it can be financially and emotionally draining on something that should be a real blessing. Pla...
No family to pass your assets to? Advice for creating an estate plan
An estate plan is a personal thing, so make sure your assets go where you would like them to after you’re gone. Trusting those who are put in charge of caring for those assets is important and you s...
Plan your funeral service and ensure your wishes are fulfilled
Funerals are meant to provide ceremony around the loss of a loved one, which will help those left behind to grieve. Grief is a complicated and difficult emotion, so helping families walk the path of g...
Choose the right casket for your loved one when planning the funeral
The purpose of a funeral is to celebrate a life well-lived. Choosing the right casket is just part of the funeral experience, but it can be one of the most overwhelming given the sheer number of optio...
Advice for choosing a qualified estate planner
Creating a legacy for your family is important. If you want a will or trust that will ensure that the wealth you have created is passed to the people you want, they way you want, with the least cost a...
Save your family the time and stress of probate with your estate
Taking the time to understand your options and to set up non-probate options such as revocable trusts, TOD accounts, or lifetime gifts can protect your privacy, simplify your estate administration, an...
Create an estate plan that works for you and your beneficiaries
Planning and creating a will is an important step in your life, and it is not one that should be taken lightly. However, it does not have to be daunting or depressing. It can be an assurance that your...
Financial steps you must take immediately on the death of a spouse
The next few months (and years) will be a transition period in many different areas, including your finances. Get organized and recruit professionals, family and friends to help. Tackle the time sensi...
A new baby is good reason to review and update your estate plan
These are a few general do’s and don’ts for a new parent to consider, but certainly not a complete list. Consult with experienced professionals for guidance in how to make the best plan possible. ...
What every young mom needs to know about wills and estate planning
So once you have completed your estate plan, give yourself kudos! You have done what so many people fail to do—even the rich and famous. As you begin to work on your estate plan, make sure that it i...

Banking

How to protect the deceased estate from identity theft and fraud
The threat of identity theft does not go away when a person dies. In fact, it increases and the harm that identity theft can cause even after death is significant, however, by limiting information in ...
Protect your kids from becoming a victim of identity theft
Child identity theft is an enormous black market business, and it is rapidly growing. It is an unfortunate byproduct of the electronic age. The good news is that by practicing the advice contained in ...
Identity theft victims must protect themselves from further damage
Identity theft can be a very challenging experience. But you can and will get through it. Stay calm and write everything down because your brain will be going a mile a minute. Include easy to forget i...
Avoid being victimized by a data breach and protect your identity
Everyone reading this article has been subjected to a data breach – it is a new reality of the electronic age. It similar to driving a car: at some point an inconsiderate driver will cut you off. Yo...
How to protect yourself from identity theft and fraud
Identify theft is growing every year. The easiest way to protect yourself online is to be proactive – know what information is available about you and protect your information. If you are careful yo...
Advice on choosing a bank for your checking and savings account
When choosing a bank for your checking and savings accounts, research is key. Know the bank’s customer service philosophy, what products and services the bank offers, and where you stand financially...
Invest through your bank's FDIC-insured Money Market account
Money Market (MM) accounts are an excellent way to optimally invest your money in the short-to-medium term. They work best as an investment vehicle when you are saving up for a specific goal. Shop aro...
How to choose and make the most of your rewards credit card
The right credit card can be convenient, efficient and rewarding, but no card is worth incurring debt to collect rewards. Don't choose a card just because it offers a lucrative signup bonus or gives y...
What to do if your wallet is lost, stolen, or missing
It is important to remember that losing your wallet is not always a direct link to stolen identity. Regardless of why your wallet is missing, following through with the above tactics will help you to ...
A donor advised fund (DAF) is a great way to give to charity
Donor-advised funds are an excellent tool for charitable giving and tax management. Benefits include their low costs as well as their flexibility around making contributions and recommending grants. O...
How to minimize banking fees on your accounts and bank cards
Become familiar with a bank’s requirements and understand your finances to maintain minimal or even nonexistent bank fees. As its first priority, a bank should be committed to its Customers, provide...

Retirement Planning

Gen Y workers must start saving and investing early for retirement
Developing an effective retirement strategy as early as possible helps ensure you have lasting financial success. You can have more peace of mind that you’ll actually be able to retire when you want...
Have the money you need for retirement with lifetime income annuity
Lifetime Income Annuities, also called Single Premium Immediate Annuities, provide an income stream that you can never outlive. You can use that contractually guaranteed payment to help budget and cov...
Expert advice on choosing lifetime income annuity program
Lifetime Income Annuities (aka: Single Premium Immediate Annuities) are the purest form of “transfer of risk” annuity strategies available to the public. These products are contractually guarantee...
Take control of your future with a self-directed retirement plan
Self-direction as a retirement wealth-building strategy can be a great way for savvy investors to take control of their investments with alternative assets they already know and understand. It is cruc...
Know how to financially plan for retirement so you can retire on time
There you have it. By sticking to these simple and straightforward guidelines, you’ll be well on your way to planning for your retirement years successfully....
Understand net unrealized appreciation for your 401K
Failing to take NUA treatment into account is the #1 mistake people make with respect to their qualified retirement plans. If you own employer stock in a 401(k), ESOP, or other qualified plan, be sure...
How to benefit from rolling over your 401(k) to an IRA
Whether you feel like a 401(k) plan or IRA is right for you, it’s important that you have a firm understanding of what both options bring to the table. Take the time to consider every angle and stay...
Expert advice on retirement planning for small business owners
So, what is the end result of setting up and funding a small business retirement plan? Well, nothing beats the happiness of a small business owner who is able to retire and have a bucket of money allo...
Planning for health care costs is vital to successful retirement
When it comes to retirement planning, don’t delay. Start planning today. If you stay on top of your future healthcare costs, you will not only gain confidence from being prepared, but you can relax ...
Key considerations in saving for a confident retirement
Whether you’ve been saving for retirement for 20 years or you have your head in the sand when it comes to putting money away, it is important to remember that it is never too late to start and there...
Save for retirement the moment you land your first job after college
Don’t ever allow yourself to fall into the mindset that you have the rest of your life to save for retirement. The sooner you start saving, the brighter your financial future may be. Make a commitme...
Guarantee income in your retirement with fixed indexed annuities (FIA)
Fixed indexed annuities are a wonderful way to balance out a retirement portfolio because they are a low-risk insurance product that increase with index growth and are protected from market volatility...
Young people: take a new investing approach to retirement planning
The retirement landscape is shifting, and it’s important to understand what you need to do to ensure your retirement savings is secured. Use these tips to protect your future....
Plan for retirement and get the most out of Social Security benefits
A wide variety of factors will determine the optimum strategy for claiming your Social Security benefits. Everything from age, health, income, and even marital status can have an impact. Periodically,...
Understand the differences between deferred and immediate annuities
Gain control of your financial health for retirement with a budget
We have created the basic tool—the budget—to provide you with a guide to your financial health. Life spans have increased; therefore, retirement funds need to last longer. A budget is not written ...
Start planning for retirement as soon as you get your first job
Financial planning is a lifelong process, and the sooner you get started, the better. Planning ahead means you will not only have a more comfortable retirement, but you also may be ready to retire soo...
Advice on how to reduce the fees on your 401K retirement account
The big enemy to your retirement savings plans is the fees many traditional plan funds charge whether you are aware of them or no. While seemingly small, these fees have significant impact on your sav...
Expert advice on planning your retirement together
As you can tell, planning for your retirement as a couple is a multi-faceted and complicated effort. It should be a wonderful time of your life together, but without looking at that picture from diffe...
When to collect social security benefits in retirement
Deciding when to take Social Security is an extremely personal decision and can ultimately be a very difficult one. It’s important to weigh all of the factors and consult your financial advisor in o...
Make the most of your money and minimize taxes in retirement
Taxes can be one of the largest items in a retiree’s budget. However, taxpayers can use a combination of annual and long-term planning in order to keep their tax bills to a minimum and to maximize t...
Retiring overseas is possible with careful financial planning
Retiring abroad should make sense both financially and personally. For many, moving overseas provides lower healthcare costs and a higher quality of life. Before making this Money Milestone move, make...
How to make sure your retirement savings lasts the rest of your life
There are many strategic moves - none of which are a complete answer - that seniors can take to ensure that they don’t run out of money. It requires discipline, strategic planning and an approach to...
Advice for when you lose your job and forced into early retirement
An unexpected retirement after being forced out of your job can be unsettling, but it’s not impossible to remedy. If you have prepared as best you could for your planned retirement date, you will ha...
Create financial security and well-being for your entire family
By following this advice, families can take control of their finances and help give their children the best possible start in life. After all, as parents, we often say our kids are our biggest reward....
A low-risk annuity investment will ensure steady retirement income
The day you step into retirement, your entire financial life collapses down to one issue, and the issue is perfectly binary. There are only two possible outcomes, and they’re mutually exclusive. On ...

Death of a Spouse

Advice for surviving the death of a spouse or partner at a young age
The journey of young widowhood is not easy. However, there are many healthy ways to cope with your loss that will help you move through it and even uplift you. Reach for support when you need it, spea...
Learn to accept and embrace the death of a loved one
Can you recall all the love, intellect, caring, humor and other positive qualities of your departed loved one? All that continues on beyond bodily death! That’s the great news that will help you get...
Advice on helping a loved one through the first year of grieving
Supporting a loved one through their grief journey can be challenging. You might feel a bit lost at times and unsure about how to best offer support. There are many tips and tools that can help you as...
The death of a spouse: Rebuilding your life after the first year
The second year after the loss of a spouse is a time of change. Grieving takes second place to refiguring and rebuilding your life. This is a time to not only reclaim your life and refocus on a new, s...
Live, love and laugh again after the loss of a loved one
At first it’s hard to make the transition to a new ‘you’. It requires not feeling guilty for smiling again, laughing again….to face your fears head-on by taking risks again. Above all else, th...
Take care of yourself emotionally after a loved one dies
Coping techniques may help you emotionally after someone dies. Help yourself by learning to identify what normal grief reactions are and then utilize the coping techniques that best work for you. If y...

Business Law

Protect yourself and your business from a wrongful termination suit
Learning that a former employee is claiming wrongful termination can be stressful and the lawsuit can be very costly, not only financially, but emotionally as well. Although there are no guarantees th...
How employers can get H-1B work visas for foreign employees
When filing H-1B visas, it is important to start preparing early and to familiarize yourself with all required documents. Ensure that the position qualifies as a “specialty occupation” and whether...
Maintain I-9 compliance and hire legal workers for your business
Employers who knowingly employ individuals who are not work-authorized risk subjecting its company to fines and other possible liability. Many employers suspect some employees may be undocumented, but...
Protect your business: Train personnel on completing form I-9
Once the final statistics for 2013 are tallied, 2013 is expected to be another record-breaking year for immigration enforcement. Now is the time to conduct an I-9 audit and ensure all your personnel r...
Trademark attorney can help protect your company logo, name and slogan
It is often extremely wise and beneficial to seek federal registration of your most commercially valuable trademarks. Although registration can never be guaranteed, following the steps outlined above ...
Advice for businesses on what to do when sued for sexual harassment
It’s clear that when an employer is being sued for sexual harassment, it is a serious matter that should not be taken lightly. By ensuring that certain measures are in place and taking quick and tho...
Obtain an L1A visa when opening new offices in the United States
This article provides general introductions as to what to expect when a newly formed U.S. based entity files an L1A petition for a manager or execute employed by a foreign entity with whom the U.S. en...
Advice on protecting your business' brand using trademarks
Considering the complexity of trademark law and the potential for infringement, it is important that you consult a trademark lawyer who can help you make the smartest choices for your business’ bran...
How employers should handle complaints about overtime pay
It is important to know which employees are eligible for overtime pay and to review your company’s policies. Properly training managers and tracking hours will help to mitigate risks involving overt...
How to correctly suspend or fire an employee with an H1B visa
Ensure you are compliant with the Immigration and Nationality Act (INA) and the Code of Federal Regulations (C.F.R.) when issues arise with the employment status of H1B workers. The best way to do thi...

Business Operations

How to get the most from your local printer and print shop
Communication, realistic expectations, and planning are the keys to a successful experience in working with a professional print shop. With a bit of research and insight, you will understand what to e...
Business owners should buy business property insurance
It’s very important to ensure that you have a high enough limit to properly cover you for all of your business’ property. Make sure that you include all of your property and the cost to replace th...
Great customer service helps your medical practice thrive
Providing quality clinical care to your patients is your first priority. Other “care” areas are equally important though, as your patient will develop an impression of your overall practice philos...
Right credit card merchant provider will improve your bottom line
By partnering with the right merchant services provider, you’re not only going to ensure your own company’s bottom line, you’re going to get a partner who believes in your business and is willin...
Minimize disruptions in your business by planning for a disaster
Disasters may be unlikely, but they do happen and companies can pay a high human and financial cost if they don’t have an action plan to tackle the unthinkable. Back up office space must be a key co...
How to send email that meets HIPAA compliance standards
While you may have to increase your budget and time to ensure your systems meet HIPAA compliance standards, it is time and money well spent. The result of a breach can be monumental in terms of cost a...
Ensure your business gets off on the right foot for the New Year
It’s much easier to prevent fires, than put them out, so prepare ahead of time by incorporating HR into your 2014 planning. Sit down and outline what worked for 2013 and carry that into the new year...
Use special events to raise money for your non-profit organization
Creating special events, and doing them well, can accomplish many goals. The obvious reason is to raise money that can be used towards operating costs, an endowment campaign or for capital improvement...
How and why businesses should speed up the supplier payment process
When it comes to supplier relations, enterprises should always be looking for ways to make processes easier and more efficient. If those relationships are strong, enterprises will waste less time on t...

Starting a Business

Successfully starting your business takes preparation and persistence
Starting a business may be the best decision you will ever make; being smart about the preparatory work that goes into both will payoff in time and money. Find a trusted source or website to guide you...
Successfully start a home business with this expert advice
A home business that you conceive and nurture to success is just like a child. While there will be challenges along the way, it will reward you greatly when it reaches its potential. Apply these strat...
Create a successful and impactful brand for your new business venture
Through all your hard work in developing your new business, establishing a well- defined brand that communicates and connects with your consumer is a necessary component. Consider working with design ...
How to turn around a business that is not succeeding
Being in business is tough. Entrepreneurship isn’t for everyone, but if you have chosen that path it can be super rewarding. In order to have a fulfilling experience as a business owner or business ...
Advice for small business owners on successfully starting a business
Owning and running a business is a dream that has become a reality for many Americans. While many business owners think that being their own boss is going to be better than working for someone else, b...
How to decide on key man insurance and protect your business
Key man insurance can be an important factor in any business, but as with any insurance policy, do your research first. This type of policy can be extremely valuable in a small or family owned busines...
How to start turning a failing small business into a successful one
Being aware of the need you fill and moving your business forward is a matter of self-awareness, research, and strategy. Only when you know what your consumers really want and need can you create a su...
Business growth depends on positive and memorable customer experiences
As with pretty much any relationship, putting the customer first comes down to proper communication and making them feel important. Take your time to engage and be present, and involve your customers ...
Grow your business while keeping operation costs under control
There are inherent costs to running a business. That doesn’t mean that these costs should have a negative impact on the bottom line of the business. By proactively looking for ways to reduce costs a...
How to make sure your small business is a huge success
There are an infinite number of tips for making a small business succeed, depending on the type of industry, size of the company, revenue, etc., but the advice outlined above are applicable to all bus...
Businesses need to create a global mindset to be successful overseas
In today’s world, maintaining a global mindset is essential for being successful. Do your research, speak intelligently, and invest in global mindset training across your entire company....
Balance work and life while running a successful small business
Consuming your entire life with work is unhealthy, but not striving to work toward anything is also unhealthy. To some, having an adequate balance between your work life and personal life might seem f...
Set clear goals for your small business to be successful
...
Leasing commercial office space for a business requires planning
Your lease for commercial office space will likely the largest economic commitment of your business after salaries and benefits. It is a place that you will depend on to create a positive environment ...
How to be prepared when starting a business and you are over 50
So now you have a few, time-tested insights to ponder. At age 50 or older, this can be an exciting enterprise that will test your skills and your endurance. If everything said here seems fine to you a...
Location, location, location: Ensure the success of your business
There you have it. Follow these simple rules and you are on your way to building your personal empire. Best of all, you have the resources in building this goliath all at your fingertips. Be observant...
You can successfully leave retirement and launch a start-up
Some people have been looking forward to retirement for 25 years. If that’s you, beginning a startup is the last thing you want to do and it could turn into your greatest nightmare.Other people have...
Advice for going into and starting a business with your family
If you’ve addressed all the aforementioned do’s and don’ts then you’ve done what can to set your family business up to win and for long-term success. Now go make it happen and enjoy creating m...
Creativity is essential when branding a new business venture
Staying fresh, understanding specifics and embracing creativity is valuable to improving your company’s brand. Whether you are just now creating your brand or in the middle of a refresh of your bran...
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