Jun 28, 2023 | Spin on Spending |
A loan is pretty easy to understand. The lender gives the loan recipient money to be repaid over a period of months or years. In exchange for the loan, the loan recipient pays the lender interest. A line of credit is a loan with numerous benefits to borrowers. Your...
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Jun 15, 2023 | Spin on Spending |
Exciting summer travel plans are coming up, and many individuals and families are running through the usual checklists and questions. Have we chosen a destination? If traveling internationally, are our passports all up to date? Does our bank know so our credit cards...
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Jun 7, 2023 | Spin on Spending |
There are a number of ways your estate can be distributed to your heirs after you pass. Each allows a different degree of control over distribution, and each poses different challenges and opportunities. If you haven’t taken steps already, it’s important...
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May 31, 2023 | Spin on Spending |
With age comes responsibility, so if you’re a young adult in your 20s or 30s, chances are you’ve been introduced to the realities of adulthood. While you’re excited by all the opportunities life has to offer, you’re also aware of your emerging...
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May 30, 2023 | Spin on Spending |
“Capital,” in investment terms, is money to finance the purchase of equipment, supplies and products. On the other hand, “working capital” is money spent to cover day-to-day operating costs of your business. Working capital is cash or accounts...
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May 23, 2023 | Spin on Spending |
Scammers send fake text messages to trick you into giving them your personal information — things like your password, account number, or social security number. If they get that information, they could gain access to your email, bank, or other accounts. Or they could...
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May 12, 2023 | Spin on Spending |
During your working years, you probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will...
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May 8, 2023 | Spin on Spending |
Establishing appropriate payment solutions is vital to the operation of your business. Whether you utilize a business credit card to purchase day-to-day supplies, take card payments, or equip employees with purchasing cards, you need the right tools. Are you utilizing...
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Apr 28, 2023 | Spin on Spending |
Many family businesses don’t last beyond the first generation, and it is even more difficult to prosper beyond the second and third generations. Among the many issues to address are successor management, providing retirement income for senior owners, developing a role...
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Apr 27, 2023 | Spin on Spending |
Despite the fact that U.S. small-business owners see the proverbial glass as “half-full” in terms of their future success, some experts believe these owners face a host of issues and challenges that could force them to adjust their business models. Those issues and...
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Apr 24, 2023 | Spin on Spending |
Social media is a way to stay connected, share our interests and hobbies, as well as connect to the world at large. However, there are some individuals who may exploit the friendly nature of such platforms. The Setup Ever have a profile picture you were particularly...
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Apr 14, 2023 | Spin on Spending |
Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments. However, the following basic concepts can help you make smarter choices regardless of whether you already have some investing...
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Apr 5, 2023 | Spin on Spending |
April is financial literacy awareness month, so it’s a great time to assess your financial goals and determine whether you are using all the tools available to achieve them. Although there are many wonderful informational resources and guides available to teach you...
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Apr 3, 2023 | Spin on Spending |
Does your business accept card payments from either businesses or the government? If so, your business may benefit by processing Enhanced Data. Submitting Enhanced Data with eligible transactions could result in savings on your processing costs. Let’s break it...
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Mar 28, 2023 | Community |
Most people wouldn’t embark on a long, complex journey without some planning. This goes for entrepreneurs, too. The adventure of starting something new and owning your own business can be long and complex, but a good business plan will help convey your idea and the...
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Mar 6, 2023 | Spin on Spending |
In the corporate environment, there are sometimes circumstances which lead employers to offer certain employees early retirement packages. But how do you know if the seemingly attractive offer you’ve received is a good one? Start by evaluating it carefully to...
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Feb 28, 2023 | Spin on Spending |
The prospect of financing a new business can make the most fearless entrepreneur waver – and with good reason. Lack of capital is one of the primary reasons start-up companies fail. The trick lies in knowing how much money you will need to get started and to cover...
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Feb 24, 2023 | Spin on Spending |
If you care about what happens to your money, home, and other property after you pass, then it is time to do some estate planning. There are many tools you can use to achieve your estate planning goals, but a will is probably the most vital. Even if you’re young...
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Feb 17, 2023 | Spin on Spending |
The major budget package enacted by Congress in December included a subdivision called “SECURE Act 2.0.” The 1.0 version of this package of legislative changes for qualified retirement plans was the “Setting Every Community Up for Retirement Enhancement Act of 2019.”...
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Jan 27, 2023 | Spin on Spending |
Lay the Groundwork You’ve got the idea and are ready to bring to market the next big thing. While your product or service is unique, there are commonalities amongst all successful entrepreneurs. The Right Stuff Experts agree that the following characteristics are...
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