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There's no doubt that financially, 2011 was a tough year. The recession is, well, receding, but we've got a long way to go yet. With a new year looming, it would be wise to start planning and making your financial goals for 2012. Setting realistic...
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Your business loan has been approved. Congratulations. Your business has now received the financing needed to open or expand your business. But before you pop the champagne and propose a toast, you should remember a few key rules before signing on the...
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Financial infidelity - lying or refusing to be honest with your spouse or partner about money. As more and more marriages are made up of two-income couples, financial planners and marriage counselors are encountering a problem known as “financial infidelity...
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One measure of small business success: how long does it take to “break even” - and reach profitability? The biggest hurdle that one faces when starting a small business is the profitability hurdle: the time it takes between opening for business and the...
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Tithing: what does it mean to Christians today? For many Christians, the season of Lent (from Ash Wednesday through Easter Sunday) is a particularly important part of the church year. It is a time when believers are often called upon to give up or take...
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Our small business start up adventure continues … It really is quite amazing (everyone tells us so) just how much we've accomplished in the 21 days since we took the frightening step of signing a 6-month lease on a 1200-foot retail sales space and...
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Are payday loans an effective economic indicator of financial health? As an unscientific indicator of the financial health of this country, I have been watching the growth of “payday loan” outlets explode over the past twenty years. Since payday loans...
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Our small business adventure continues this week ... I have discovered that there are a huge number of things to accomplish when starting out in business. We are knocking them off, one at a time … and hoping we haven't forgotten anything. Projected...
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Effectively planning your financial life is not unlike a well-played chess game! As I played a game of chess yesterday evening against an unknown internet opponent, it occurred to me that there are many similarities between a well-played game of chess...
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He didn't mention “Joe the Plumber!” “Joe the Plumber,” whose actual name is Samuel Joseph Wurzelbacher, gained attention during the presidential campaign after asking Democratic candidate Barack Obama about his small business tax policy during a...
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In this world nothing can be said to be certain, except death and taxes, wrote Benjamin Franklin in 1789. Well, its tax time again – time to file our annual reports on how we did – financially in 2009. And of course, to pay our share! In order to minimize...
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Millions of people took advantage of the many adjustable-rate mortgage options offered a couple years ago. It seemed like a good idea at the time. Housing values were climbing, houses were being flipped at huge profits, and the low initial interest rates...
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If you’ve been breathlessly awaiting your tax rebate, you can exhale sooner than expected. The first of the direct deposits will be hitting the bank April 28, and by Monday, May 9 the paper checks will be in the mail. All $100 billion of the stimulus...
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Man-made climate change advocates call them a way to make your green peace with the environment. Skeptics say they’re a sop for wealthy, guilt-ridden greenies at best - - and potentially fraudulent, at worst. What are they? They’re carbon credits, and...
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