Every day, 10,000 baby boomers in the U.S. retire. What awaits them is not always pleasant. The Great Recession, a high cost of living and stagnant wages have left this generation completely unprepared for retirement. A 65-year-old couple would need over $280,000 in savings today to have a 90 percent chance of paying for their medical expenses alone during retirement. Yet 30 percent of workers have less than $1,000 and 60 percent have less than $25,000 in savings. Many baby boomers plan to … [Read more...]
Don’t Hoard Old Financial Documents
When it comes to storing old financial documents, I’ll admit that I do have a hoarding problem. Despite “knowing better,” I’m hesitant to eliminate even old receipts in case one day I’m subject to an audit and the only thing keeping the IRS from confiscating my business is an $8 gas receipt from 1993. All kidding aside, financial documents do have an expiration date, and it's important to know what they are so you don’t burden your mind (and your office) with mountains of needless … [Read more...]
Cheaper Way to Get Mobile Plans?
Haven't heard of MVNOs? The Cheaper Way to Get Mobile Plans. These data and voice communications alternatives could save your small business thousands of dollars a year. Many small-business owners are unhappy with their mobile and traditional communications providers. Most plans offer a limited amount of data and minutes per month, which can lead to hundreds or even thousands of dollars in additional fees for going over the limits. Most companies also require a two-year commitment to a specific … [Read more...]
Free Online Course on Small-Business Growth Explodes
More than 60,000 people have registered for this Free Online Course on how to grow your small business. Businessman, author and University of Virginia professor Edward T. Hess is creating quite a buzz among small-business owners with his new course “Grow to Greatness: Smart Growth for Private Business.” To date, more than 60,000 people have enrolled in his Coursera-powered course. The course is divided into five modules: The truth about growth, which will dispel many popular myths about … [Read more...]
When Can We Expect the Next Recession?
Big clue to the next recession: It's likely to occur when the Federal Reserve tries to tame inflation. Predicting when the next recession will hit is as much art as science. Economists, financial analysts, bloggers—frankly, all those who have an incentive being the first to call a recession—are at risk at having their judgment affected by these incentives. An analysis of post-World War II recessions and their causes, studied after the fact, indicate that certain changes in monetary policy in … [Read more...]
New Phishing Scam Sends Small Businesses Fake Government Email
A brand new phishing scam fools business owners into thinking the FTC is investing consumer complaints against your company. Phishing is a type of fraud that attempts to collect private information via electronic means for nefarious use. A new type of phishing scam has appeared in the past 48 hours targeting small-business owners. The scam begin with an email that appears to come from the Federal Trade Commission (FTC). It notifies recipients that the FTC is launching an investigation of the … [Read more...]
4 Proven Tactics to Get Paid on Time
Late payments from customers can cause serious cash flow problems. Follow these four tactics to make sure you Get Paid on Time. Late payments from customers can cause serious cash flow problems at your business. If you you need customer cash for regular expenses like rent and payroll, late payments can lead to late payment fees, interest costs on borrowed money and anxiety among your staff. It also increases the risk of nonpayment if the delay becomes extended. If you want your customer to … [Read more...]
Zeus Malware: The Sneaky Malware Stealing Your Money
An estimated 3.6 million PCs in the U.S. are infected with the Zeus Malware. Be warned: It's one of the sneakiest, most vicious malware programs out there. Small-business owners need to be on high alert for the latest variants of the so-called Zeus Trojan horse. This malware uses sophisticated methods to gain access to your online banking information and deplete your account balance via electronic transactions. While there are numerous pieces of malicious software that can accomplish this, Zeus … [Read more...]
The End of the Postal Service As We Know It?
The Postal Service is in a financially dire situation and. Small businesses that use it for marketing or distribution need to find alternatives. Last March, the U.S. Postal Service (USPS) launched an aggressive marketing campaign targeting small-business owners. In a bid for survival, the goals were to convince more businesses to advertise via direct mail and to use the USPS to deliver products to customers. Working with the USPS, however, has become a risky proposition. The USPS is in a … [Read more...]
Could Walmart Transform Small-Business Health Insurance?
Walmart may soon launch a private health insurance exchange for small businesses, which could lower premiums significantly. The federal government isn’t the only player in town when it comes to rethinking health care—Walmart is considering the launch of a private health insurance exchange for small businesses. These exchanges aren’t new; several Fortune 500 companies currently operate them for their employees. Private exchanges operate for the benefit of the employees of the sponsoring … [Read more...]
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