As online advertising becomes more and more challenging in capturing customers, finance expert Mike Periu explains how the Affiliate Sales Models is making a comeback. Many websites that generate revenues primarily through advertising are having a difficult time staying relevant in the eyes of consumers. Web users have largely learned to ignore ads creating a vicious circle of more ads being displayed and in more obtrusive ways in order for website owners to meet their revenue goals. This cycle … [Read more...]
Online Calculator Helps Determine the Value of Your Possessions
Finance expert Mike Periu shares a useful tool, a Online Calculator to help determine the value of your belongings in case disaster strikes. If a natural disaster struck and you lost everything, would you be able to provide your insurance company with an accurate estimate of what you lost? For many people the answer is no. The value of your home can be easily determined using publicly available information but what about your clothes? Furniture? Electronics? Most people don’t have an accurate … [Read more...]
Impress Investors and Lenders With Your Personal Credit Score
Finance expert Mike Periu on how to get the best possible personal credit score before applying for funding for your business. For small-business owners seeking funds from investors or lenders, it's almost a certainty that your personal credit will be reviewed as part of the process. Since many small-business owners are intimately tied to their businesses, it's difficult to imagine someone investing in a business where the owner has terrible personal credit. Lenders expect owners to have a … [Read more...]
Small Banks Face New Risks in 2013
Finance expert Mike Periu on the upcoming profitability challenges small banks will face in 2013. Small banks—those with less than $10 billion in assets—tend to outperform larger banks when it comes to customer service and personal attention. But they also face greater risks in the current economic environment: Quality loan demand is weak; net interest margins - the difference between what a bank pays depositors and what it makes on loans—are low; new regulations increase costs and limit … [Read more...]
2013 Financial Resolutions for Your Business
Finance expert Mike Periu on the three business Financial Resolutions chief financial officers should make for the coming new year. John Calia, partner at strategic advisory firm SCA Group, recommends three New Year’s financial resolutions for chief financial officers or those running your business’ finances. 1. Hold cash. It's more important than ever to maintain a significant cash position to shield against 2013 uncertainty. European insolvency, Middle East unrest, the fiscal cliff and its … [Read more...]
New Fiscal Cliff Compromises Signal Steps Towards Deal
Finance expert Mike Periu on the latest negotiations to avoid the new fiscal cliff. Monday proved to be an important day in the fiscal cliff negotiations. Both President Obama and Speaker Boehner made important concessions to their positions in the hopes of striking a deal. On which taxpayers should see an increase in tax rates, President Obama was firmly set on making $250,000 in annual income the cutoff which Speaker Boehner was firmly against an increase in marginal tax rates. Then the … [Read more...]
New 63 USD Fee Announced to Help Offset Healthcare Reform Cost
Finance expert Mike Periu on a New 63 USD Fee that is intended to help offset the costs of implementing Healthcare Reform. As the regulations for Healthcare Reform are formulated and finalized, small-business owners need to be aware of a new fee that will be assessed beginning in 2014. The fee will be collected for 3 years and is set at $63 per insured person in the first year and is supposed to decline after that. The fee is meant to help offset the cost for insurance companies as they comply … [Read more...]
End of Year Tax Tips for Small Business
Finance expert Mike Periu on Tax Tips: how a little tax planning now, before the year ends, can save your small business money. It's not too late to make financial decisions that can minimize your tax liability for the current year and future years. Even though you are busy with other end of year activities, a little tax planning can be quite a valuable investment. Consider the following tips: Take a section 179 deduction which allows you to expense the purchase of equipment for your … [Read more...]
Small Businesses Should Prepare for Health Care Reform in 2013
Finance expert Mike Periu on how Businesses Should Prepare for Health Care Reform in 2013 for upcoming requirements to employee benefits when Health Care Reform goes into effect in 2014. 2013 is the last year small-business owners have to prepare for the health care reform law, which requires certain businesses to provide health insurance to their employees. Beginning in 2014, companies with 50 or more full-time employees must provide adequate health insurance. Failure to do so will result in a … [Read more...]
$80 Billion in incentives state and local governments are offering
The money incentives state and local governments are offering to lure new companies their way. $80 Billion in Business Incentives Up for Grabs State and local governments across the country are aggressively competing to have companies—both old and new—relocate to their territories. Last year, $80.3 billion in business incentives were awarded across 1,875 different programs. The incentives typically consist of sales tax exemptions, sales tax discounts, property tax abatements, income tax … [Read more...]
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