Why Small-Business Assets Matter

by Susan Talbott

When getting to know small-business owners, financial planners typically ask about their company’s value at that point in time. Unfortunately, many times, their first inclination is to share their latest bank statement or the amounts of various checking, savings and investment accounts owned by the company. While these are terrific indicators of cash-at-hand value, for… [More]

Crypto Economy

by Mike Hunter

In late 2008, under the long shadow cast by the most severe economic crisis in generations, a revolutionary new form of currency was quietly being shaped. That once-obscure money was known as Bitcoin, and today it is the highest-valued digital coin. And, though consumers continue to scramble to cash in on the trending currency, the… [More]

On-Demand Home Buying/Selling

by Cortney Read

OfferPad’s on-demand technology platform provides homeowners the ability to move freely, eliminating the stress and unpredictability associated with the traditional real estate process. Homeowners visit OfferPad.com, request a free purchase offer and, within 24-hours, receive an offer on their home. Once an offer is accepted, people can select their closing date. Buyers can access and… [More]

The Tax Cuts and Jobs Act of 2017

by RaeAnne Marsh

The Tax Cuts and Jobs Act was passed in December. As with any law, there are the specified rules and regulations that are written into it as well as impact that extends from those rules and regulations. But Austin Graff, an accountant with Schwartzer Tax and Accounting, notes the key effects of the Tax Cuts… [More]

Money, the Final ‘Off Limits’ Topic

by George Grombacher

Religion and politics used to be the “off limits” topics around polite company, but now a visit to Facebook suggests Americans are more than comfortable with those subjects. Two subjects that have also remained off limits until recently are sex and money. The #MeToo movement that started in Hollywood has opened the door to conversations… [More]

How Firms Manipulate Numbers for Market Gain

by Ken Beckrich

Businesses constantly hear that, to succeed when selecting partners, they need to do their homework. But what if the financials they review don’t really reflect reality? How does a firm make good decisions when it comes to their money? Or, maybe more importantly, how do businesses know the real strength of the firms they’re intending… [More]

Putting the ‘Why’ in Personal Finance

by George Grombacher

Alignment is a simple idea that can add 5 percent to a business’s top line and will have implications not before considered. People seek a purpose-driven life. A successful organization can help provide that through aligning the organization’s purpose from the CEO to every employee. An important aspect of alignment involves helping employees recognize the… [More]

Banking: Addressing Challenges to Meet Business’s Needs

by RaeAnne Marsh

The banker in Frank Capra’s classic It’s a Wonderful Life may be idealized, but it is nonetheless true that banking is the core on which the business community rests. Bankers’ decisions impact business; what is impacting their business — and the decisions they are making for their own and everyone else’s business? Local bankers share… [More]

Credit Card: Use Business or Personal? 

by Jerry Ernst

When a small business needs fast money, it’s easy to whip out a credit card to make the purchase. Every entrepreneur relies on them. Why not, when they’re convenient and easy to manage? But the line between personal and business credit can be blurry. When is it appropriate to open a business credit card, versus… [More]

Common-Sense Income Strategies

by Mike Hunter

The subtitle may well be Common-Sense, Purpose-Based Investing for Your Retirement with Steps and Strategies to Help You. This book begins with the idea that when we reach the age of 50, we need to change from a portfolio filled with stocks and growth investment strategies to step-by-step strategies to build out our retirement income.… [More]