You have an idea for an exciting new business. You’ve done your research and you’ve written a business plan. Now it’s time to answer the big question – how to finance a business. Let’s take a look at your options and the things you’ll need to consider in your quest for business funding. Business Funding […]
Like any job, there comes a time when you outgrow the pay rate that you’re getting from a client. After all, you don’t want to be earning the same amount of money for the rest of your life. There are two ways to get paid more. Take on new clients at a higher rate or […]
The Tax Cuts and Jobs Act goes into effect for 2018 taxes, but the results of much lower business taxes are already visible in the US stock market. But do those effects truly “trickle down” to the average American? It appears no, according to a recent study. Despite nearly record low unemployment, the study found […]
Let’s take a moment to answer a few questions: How do you cover expenses while you’re waiting for your biggest customer to pay last month’s invoice? Can you book a trip to pitch your most valuable prospect without worrying about the cost? (Or better yet, can you book it using only credit card points?) How […]
Over the last few years, cryptocurrency has evolved from a buzzword to a notable investment. Still, financial analysts across the board agree crypto is a speculative play — some going so far as to call it the next dot-com bubble. I don’t believe that it’s a bubble like we saw in the dot-com era, but I understand why cryptocurrencies’ […]
Donating to charities and nonprofits is one of the most fulfilling uses of your money, but should you hand over your hard earned dollars to a nonprofit if you have big debt? Probably not. Let’s take a look at why, how you can have a greater long-term impact, and other ways to contribute outside of […]
In a recent survey, about one-third of respondents who earn less than $30,000 per year said is it a good idea to draw from home equity to pay for regular bills. That is about 3x the number who said it is a good idea in the $75,000+ income range. So who is right and when […]
On September 21st, a new law went into effect that makes credit freezes free for all Americans. The new law came in response to an egregious data leak at credit scoring agency Equifax where the credit report details of 134 million Americans were stolen by hackers. Now that you can lock and unlock your credit […]
An iPhone is a common purchase for people all over the world. Around 223 million Americans have a smartphone, and 43% (around 96 million) have an iPhone, according to Statista. The fall 2018 iPhone lineup includes a flagship iPhone XS Max with a top $1,449 price tag. That is a ton of money for a […]
Do you budget for vices? A recent study found that households earning less than $30,000 per year spend 13% of their income on things like lottery tickets, prepared drinks, and restaurants. The same low-income families spend an average of 4x as much on lottery tickets as households bringing in $75,000 or more in annual income. […]