How Many Hats Do You Wear?

Posted: Wednesday, August 5th, 2015

 

Hats

If you’re like most small business owners, your business card might bear the title CEO or principal, but you know that on any given day it could just as easily read customer service, sales associate, marketing manager, technology director, accountant…

Small business owners don’t have the luxury of passing duties off to department managers. The success of your business depends on your ability to wear all the multiple hats needed to keep the wheels of your business turning. At times, the dizzying pace needed can turn even the most capable person into an overwhelmed entrepreneur wearing too many hats.

Whether you see the diversity of responsibility as a blessing or a curse, you’ve got to (more…)

Common Refinancing FAQs

Posted: Monday, August 3rd, 2015

It seems like every bankRefinance and mortgage lender is pushing refinancing. As a result, you may feel now’s the right time to refinance your mortgage loan. However, this isn’t a decision to take lightly.

Refinancing is an excellent way to lower your  (more…)

Six Ways to Save for a Vacation

Posted: Friday, July 31st, 2015

Vacation is fun. Paying for it, well, that’s not very fun. Or is it? Okay it isn’t. But that doesn’t mean you can’t enjoy the saving process with these six ideas.

1. Special Savings Account

When you have cash in your pocket, you’re more likely to spend it. The same goes for (more…)

Disaster Preparedness for Your Small Business During Hurricane Season

Posted: Thursday, July 30th, 2015

With hurricane season upon us, it’s a great time to reassess your organization’s business continuity and disaster preparedness plans. If a significant disaster hit your business tomorrow, do you have a plan to respond and recover accordingly? Unfortunately, not all businesses do.

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According to the Institute for Business and Home Safety, nearly one in (more…)

How to Get a Mortgage With Little Savings

Posted: Monday, July 27th, 2015

 

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If you don’t have a lot of cash in your savings account, you might think you can’t qualify for a mortgage. Between closing costs and down payments, getting a mortgage is expensive. And some first-time home buyers think every mortgage lender requires a (more…)

Should You Diversify Your Products or Own a Niche?

Posted: Friday, July 24th, 2015

When it comes to the products or services you sell, it can be hard to find the perfect balance.

Diversify

If you offer too wide a spread of items for sale, you can dilute your market. In other words, you can offer a lot, but not be a specialist in any one thing, and therefore become a generalist. Not a great selling strategy.

On the other hand, if you narrow your focus too tightly, you can miss out on other (more…)

How to Save on Back-to-School Shopping

Posted: Tuesday, July 21st, 2015

You can trim costs on supplies by shopping sales and snagging coupons.

Crayons

Even though it’s early, it’s time to start shopping for supplies.
As the excitement of the July Fourth holiday weekend quiets down, you might notice that stores are featuring back-to-school inventory. It’s a good thing, because a new survey by Rubicon Project reports that nearly 25 percent of parents (more…)

Ten Tips for Small Business Owners During Tough Financial Times

Posted: Friday, July 17th, 2015

As the US economy slows small business owners are facing tough financial times, many for the first time. Financial problems are difficult; they consume time and valuable business resources, but must be dealt with proactively in order to be resolved. Many small business owners do not utilize all of the resources provided to them by their banker; no one has more financial training and more time invested in the (more…)

Protect Yourself from ID Theft

Posted: Wednesday, July 15th, 2015

Protect Yourself from ID Theft

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Identity theft is everywhere. Turn on your TV, and you’ll see “special reports” on how to prevent it. Turn on the radio, and hear ads for services pledging to protect you from it. Search for it on Google, and you get 140 million results. In fact, according to a (more…)

10 Tips for Finding the Best Deal on Your Mortgage

Posted: Monday, July 13th, 2015

  10 Tips for Finding the Best Deal on Your Mortgage

You scour the market for the perfect home, but you should be just as diligent when shopping for the right loan.

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Compare apples to apples. When you get quotes from companies, don’t look at just the interest rate. Look at the (more…)

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