Cell phones and smart phones are here to stay and we love them!

Cash Flow - The Pulse of Your Business

Unfortunately, many small business owners do not fully understand their cash flow statement. This is shocking, given that all businesses essentially run on cash, and cash flow is the lifeblood of your business.

Some business experts even say that a healthy cash flow is more important than your business's ability to deliver its goods and services! That's hard to swallow, but consider this: if you fail to satisfy a customer and lose that customer's business, you can always work harder to please the next customer. But if you fail to have enough cash to pay your suppliers, creditors, or employees, you're out of business!

Ever notice all the music around you?

It’s played in grocery stores, restaurants, elevators, doctors’ offices, nail salons, car dealerships, gas stations (yes, while you are pumping gas), business offices and even the parking lots!

 To Deduct or Not Deduct, That is the Question!

What determines a bully?  Bullies purposely try to make people feel uncomfortable OR purposely put people down.

Some also have a habit of keeping you in a state of “psychological emergency.” This makes them feel important by continually keeping you in a scrambling mode.

You are constantly walking on eggshells around them and they love it.  This is one of the worst forms of bullying.

According to Insurance Research Council approximately one in six drivers in the nation may be driving without insurance in 2010!...And just as unnerving is the issue of getting into an accident with someone who has insurance, but not enough to cover the loss. Unfortuantely, too many drivers only carry state minimums on their auto policies.

Have you ever received new auto ID cards, but forgotten to put them in your car?  Murphy’s Law says if you forget to switch your new ID cards, you’re going to get pulled over. It sure seems like that’s the case sometimes! Annual auto policies renew once a year, which simplify things for you!

The purpose of life insurance is to provide a source of income, in case of your death, for your children, dependents, or other beneficiaries. (Life insurance can also serve certain estate planning purposes, which we won't go into here.)

As another school year ends, college tuition payments are a year closer. Parents often wonder when they should start saving and how much.