Small Business Success Tips – Finances

Small Business Success Tips – Finances

Starting with fifty dollars or starting with five hundred thousand, a small business owner must, must, must have a handle on his finances if his business is going to survive.

You don’t need a degree in accounting to apply common sense or to take good advice. You do need a little self-discipline, but that comes fairly easily if you understand the reasons behind keeping track of your finances. After all, you have no problem doing what you consider the important parts of your business.

Accounting, bookkeeping, financial management, call it what you will, is more than a necessary but boring task. Money is a resource that you are using to help create your future — your many futures: next week, next month, next year, ten years from now...

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Personal Finances Budget 2

Personal Finances Budget 2

In Part 1 of Personal Finances, Creating a Budget, we talked about creating a budget for your personal finances. I know, I detest the word budget too because it feels so confining or restricting. But actually what’s going to happen when you create a personal budget for yourself or your family is just the opposite. YOU will gain control of your life. YOU will gain control of YOUR money.

If you missed the first article make sure you go through it before you continue on to this next section. Also be sure to pick up your FREE Simple One Page Budget at our website: Personal Finances Online dot com.

Okay then, here we go…

If you’re one of the lucky ones and your income covers all of your expenses, then you still may need to consider putting some more m...

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Consider Your Financial Retirement Options

Consider Your Financial Retirement Options

When it comes to planning your retirement you will find that there are many options available to the savvy investor. The problem isn’t necessarily in investment opportunities but the knowledge that is needed in order to turn those opportunities into wild successes. For this reason alone, I recommend that your first stop along the path to financial retirement investment be at the door of a competent financial planner.

Most of are more than willing to go to the experts for advice when problems arise and yet for some reason have major problems seeking the services of those who are trained to assist us in our financial planning endeavors. You should consider your options carefully and decide what is in your best interest...

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Spreading Your Risk In A Retirement Fund

Spreading Your Risk In A Retirement Fund

Whatever type of retirement fund you have, be it 401k 403b, Roth IRA or plain old IRA, you want to spread your risk.

Stocks go up and go down. Treasuries and government backed bonds are very safe, but they also go up and down in value, although you will always get a reasonable return. You can lose your shirt in futures and commodities. Gold is attractive, too. So what should you do?

Most people start off with investing in mutual funds, or they rely on a professional adviser – by the way professional means that he gets paid for doing that job, so don’t assume a professional adviser is an expert...

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Can Texas Health Insurance Rate Hikes Be Stopped?

Can Texas Health Insurance Rate Hikes Be Stopped?

In the past eight years, individual Texas health insurance rates have increased by 50 percent according to a Commonwealth Fund report. Group rates increased even more. With the spiking cost of coverage, will employees continue to have access to employer-provided Texas health insurance?

Health Savings Accounts Made Available To Texans

Under the “IRC Section 223” or state “Qualifying High Deductible Health Plan,” certain IRC Section 223Texas health insurance plans are allowed to pair with a Health Savings Account or HSA. Health Savings Accounts started back in 2004. Since then, there had been an influx in people enrolling in HSA plans. Health Savings Accounts are available to Texans who buy their own TX health insuranc...

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Focusing on Your Retirement Funds

Focusing on Your Retirement Funds

Most of us have numerous dilemmas in our heads. Children. College, expenses, cars, medical fees, tension from daily tasks and also about retiring. How if there is a simpler step to overcome just 1 of the daily pressures stated before? Get started in protecting your life.
Think of a retirement savings that you could create to determine when you plan to stop working and using your savings for the next stage in your days. The fund will be brilliantly designed to be a bit more aggressive early on and constantly turning into more conservative towards the retiring day.
The mutual fund market came with this type of fund, and it is turning a lot of heads...

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