Tips for Small Businesses to Survive the Coronavirus

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The only certainty right now when it comes to the Coronavirus (COVID-19) is that currently, everything is uncertain. Several local and state governments have issued a shelter in place orders asking people to remain home and only go out for the essentials. Many small, local businesses are feeling this stress as they have been forced to lay off employees, adjust their hours or services, or even close their doors for an indefinite amount of time.

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Making your Money Work for You – Compound Interest and the Rule of 72

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When it comes to saving money, taking advantage of compound interest is a brilliant thing. It’s often one of the easiest and simplest ways to “use your money to make money that makes money”.  Compound interest can also work against you.  Most revolving credit contracts – such as credit card companies – use the compound interest methodology.  If you don’t pay off your balance in full you are charged interest – if you do it this again the following month you will be paying interest on not only your principal BUT also on your past accrued interest.  It’s how they make their money.

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How to Find your Dream Home without Feeling Overwhelmed by the Process!

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Finding the perfect home can be overwhelming even for the seasoned home buyer. From looking at online listings to visiting open houses to losing out on bidding wars – it can consume hours and hours of your life and drive you a bit crazy.

The secret to stopping the madness is getting organized and being realistic.  Here are some tips and tricks to get you there:

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How to Recognize and Avoid Census 2020 Scams

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Knock, knock! It’s 2020 and that means it’s time for Census Bureau to conduct an official Census. You could be contacted in a variety of ways by the Census Bureau including, phone, email, mail, fax, and even in person. Given the many outlets that the Bureau uses, it opens up a myriad of scam opportunities.

Census Bureau scams can be hard to spot yet easy to fall for. Many people believe it’s their civic duty to participate, but how can you know who to trust and who are impersonators?

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How to Adapt your Leadership Style as Your Team Grows

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When you find that your cozy little meeting space can no longer hold all your employees comfortably, it’s a sign you’ve grown as a company– and with growth comes change. Things might be running along smoothly and then BAM; you suddenly realize that the old way of doing things is no longer efficient or working.

Not only does growth affect the dynamics of the team, but it also affects you as the owner.  As your company grows it’s imperative you spend more time working on your business versus in it. Time management is critical as you are dealing with more issues, making more decisions, and trying to communicate out everything you need to various people and departments – the only way to be effective and stay effective is to change and adapt as your team continues to grow.

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The Importance of Total Consumer Health

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If I told you that a third of consumers  admit that their knowledge of health insurance is lacking, would you be surprised? As insurance and health care becomes more and more complicated, with High Deductible Plans, Health Savings Accounts, Point of Service Plans, Preferred Provider Organizations Plans, copays, coinsurance, deductibles, premiums, etc., it’s no wonder people can’t keep up.

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Home Buying: Are Sellers Trying to Hide Hidden Issues?

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Whether you are a first-time buyer or a real estate mogul, there are still plenty of issues that can happen along the home buying process, including finding issues that weren’t disclosed by the buyer. Even though the homeowner is required to sign a disclosure document, it doesn’t always mean that it’s accurate – whether they know about the issues or not.

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“Kiddie Condos” – The Newest College Housing Trend

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“Kiddie Condos” are one of the newest buzz phrases and latest trend for parents of college students who are looking to treat room and board as more of an investment vs. an expense. The concept: Purchase a home, condo or  apartment in the town where your college student goes to school, purchase the home with them on the mortgage, and have them live there vs. campus housing or renting off campus. The idea behind the strategy is to put the money a family would generally spend on room and board, required meal plans, and out-of-state tuition into a property.

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Bankruptcy 101 – Pros and Cons

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Over the past decade, filing for bankruptcy has become far less taboo – good, bad or indifferent it’s become far more mainstream for both businesses and individuals. 

For individuals, there are 2 types of Bankruptcy – Chapter 7 and Chapter 13. With Chapter 7 you must have an insufficient income to allow you to pay at least a portion of your debts. Under Chapter 7, you either pay for or give up your property for secured debts. You surrender any nonexempt property in order to pay off as much of your other debt as possible. You keep all of your other exempt property and are forever released from any obligation to repay the remaining dischargeable debt.

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