2022-08-24 18:22
Your credit card debt started out innocently enough: you put a few items on your card to pay off over a couple months, like a new entertainment system or an unexpected, expensive auto repair… Read More
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Smart Step Personal Finance And Investing For Smal Blog
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Personal finance and investing site for small business owners. Helping you manage your unpredictable finances and create a solid future.
2021-09-01 10:02
Whether you need to accept deposits, pay bills, or manage your purchases more easily, having a checking account is a must. Checking accounts can be opened almost anywhere, including at a tra… Read More
2021-08-26 01:27
Not everyone is lucky enough to avoid working on Labor Day weekend.
Often, an employer doesn’t have a choice–there’s too much money to be made, and your customers… Read More
2021-08-18 06:32
Reward credit cards have benefits that cash and debit cards don’t. You can avail bonuses and discounts on specific categories of purchases. Through these rewards, you can manage your b… Read More
2021-08-04 13:04
One of the most important aspects of running a business is proper cash flow management. Since vendor payments is one of the most frequent transactions you’ll likely make as a business… Read More
2021-07-29 02:42
In this digital age, almost every small business will benefit from going online. However, there’s still a substantial amount of business owners, that aren’t aware of ho… Read More
2021-07-21 13:34
Your credit score is what lenders look at to determine your financial health and worthiness as a borrower. Whether you’re applying for a car loan or a mortgage, lenders will look at yo… Read More
2021-07-14 12:59
Do you know why many small businesses fail each year? Statistics show it’s likely because they’re investing too much and earning too little. To help your small business… Read More
2021-07-07 15:53
Running a business can be hard. The business owner generally gets used to relying on themselves for all important matters. A large number of responsibilities and financial obligations that f… Read More
2021-06-30 11:57
It’s a key question faced by every person looking to get a new car: should they buy, or should they lease? While someone who buys a car will own the vehicle outright at some point, a p… Read More
2021-06-23 16:03
The 4th of July is nearly here which means fireworks, hotdogs, rest, and relaxation. Independence Day also brings with it some of the greatest sales of the year. So to get you ready for the… Read More
2021-06-16 14:02
For small business owners, hiring and keeping the right employees is crucial to the business’s success. One sure-shot way of attracting employees and retain their services is by offeri… Read More
2021-06-09 15:30
Setting financial goals is an excellent way to be intentional with the money that you work so hard for. By setting yourself up with attainable goals, the money you make, spend, and save is m… Read More
2021-06-02 16:49
Credit scores can seem like complex, abstract concepts. Many people have no idea what their credit score means, or why it’s important. Plus, credit scores vary across the different cre… Read More
2021-05-27 15:06
The concept of interest in many cases can lead to utter confusion. This can happen especially if you’re stuck with multiple interest payments. Different interest formulas can be tricky… Read More
2021-05-19 05:24
Humans’ perpetual need to become a superior entity with all the comfort in the world is kind of backfiring. Our actions have led to deforestation, ozone layer depletion, global warming… Read More
2021-05-06 20:43
Do you want to get a big tax refund this year? The good news is that you can minimize your tax liability by taking advantage of every possible tax break. This way, you can potentially snag q… Read More
2021-04-28 20:21
2020 was a year with many surprises and disappointments, especially in the financial portion of our lives. You may have been wondering how to avoid the money mistakes of last year, or even w… Read More
2021-04-23 19:28
Starting a new small business can be very rewarding, but it’s without a doubt the most competitive field. According to the SBA (Small Business Administration) 2019 Stats, in the US alo… Read More
2021-04-16 19:45
Social media is a great leveler for small business owners. You can find your customers and get your message out into the world without a huge sales and marketing team to pay.
But it… Read More
2021-04-12 20:46
When you graduate high school, you get a ton of offers for credit cards. As an 18-year-old, it’s exciting to have access to funds to buy whatever you’d like. Sure, you know you h… Read More
2021-04-06 20:13
If you have a high balance on your credit card, it’s often tempting to ignore it and only pay the minimum payments. However, this could become really expensive in the long run, and you… Read More
2021-03-29 18:41
Easter is a time of year when families come together to celebrate the spring season. There are numerous activities that families can enjoy beyond the standard egg painting and egg hunt. Rega… Read More
2021-03-26 04:01
Are you looking to qualify for the best credit cards or rent an apartment? Then it’s essential to understand what credit scores are and why they matter.
Credit scores are fundamenta… Read More
2021-03-21 10:30
Whether you know it or not, your credit factors into various areas of your life. More than just a three-digit number used to get a home or car loan; credit reports paint a picture of a perso… Read More
2021-03-19 03:08
Do you know that the USA has an average of three-quarters of its population who leave debt behind when dead? The last thing that anyone would want is lenders blowing up their loved ones&rsqu&hell…Read More
2021-02-01 15:25
While debt has been a growing problem faced by consumers over the years, it was exacerbated when the pandemic emerged last year. After a wave of business failures, millions of people were la… Read More
2021-01-26 17:53
Thousands of small business owners across the United States are currently gearing up to file their taxes. While those who’ve been in business for years already have a system going… Read More
2021-01-12 17:13
Are you struggling under the weight of debt? If you’re stressed and anxious about your financial situation, you may need professional assistance. You don’t need to keep going wit… Read More
2020-12-18 19:35
Living well now and in the future is possible. It takes discipline, working hard, and smart investing. Listed below are a few tips to help you sustain a comfortable lifestyle.
Do Wh… Read More
2020-12-17 02:30
Debt is one of the most overwhelming things in our modern world. We have become a crediting society, where your credit determines many things. When you are struggling to get out of debt, it… Read More
2020-12-04 18:43
Taft Financial is gaining attention recently in their efforts to help consumers get back on top of their financial picture. Nobody was expecting 2020 to go from a very positive-feeling New Y… Read More
2020-09-21 21:20
Establishing an emergency fund is crucial. No one is immune to financial surprises. Many people postpone saving for a rainy day using the excuse that they don’t have any money left ove… Read More
2020-09-02 23:53
Foreign exchange trading (forex or FX) is the global market for buying and selling currencies. It’s the world’s biggest financial market by far. At £5.2 trillion, it dwarfs… Read More
2020-06-16 17:23
Whatever kind of business you have decided to start, chances are that getting it off the ground and propelling it towards success is going to need some funding. However, getting a loan for y… Read More
2020-06-15 14:00
If you own a business then you need to know that at some point, you are going to go through hard times. It’s more than possible that you will get through them if you know what steps to… Read More
2020-05-26 15:02
INTRO
It is clear that there have been some massive changes throughout our country with the recent events that are happening in our country and throughout the world. These changes are hav… Read More
2020-05-14 16:57
If you are looking to start your own business but you are not sure where to begin then, you will have to take a lot of things into consideration. For those in the manufacturing industry, the… Read More
2020-04-21 00:20
At this particular point in time, it’s difficult to overstate the importance of quality health insurance. Securing good health insurance can save an individual thousands of dollars and… Read More
2020-04-13 19:09
If you’re a first-time investor, it can be scary to enter the exchange market without any real knowledge of how it works. Sure, you can sign up with a broker, create an account and sta… Read More
2020-03-15 15:47
Customer loyalty should be carefully built
along with your customer service company culture. To ensure revenue growth,
future and current customers should be equally treated with care. You&r&hell…Read More
2020-03-15 15:45
Debt is expensive and can be a
serious obstacle if you want to achieve important financial goals. Unfortunately,
when you owe money, it can be challenging to get out of the hole of debt… Read More
2020-02-25 01:05
Spring is all about fresh starts. As the snow melts and flowers start to bloom, buyers also come out of hibernation to hunt for their perfect home. That makes spring one of the best seasons… Read More
2020-02-03 16:49
If collecting Social
Security benefits are part of your early retirement plan, then here are five
myths that you need to avoid:
Myth: You must start collecting Social Security
benefits at… Read More
2020-02-02 16:44
One of the great things about being a freelancer is that you get
to interact with a wide variety of people. Indeed, every day is a chance to
make a new connection and strike up a new busines… Read More
2020-01-24 19:26
The increasing reliance on telecommunications technology for the fulfillment of our professional obligations means more and more people are choosing to be digital nomads. This essentially me… Read More
2020-01-21 14:13
Deciding
that you would like to invest in your future is only the first step down the
path to wealth creation. The second step is to know what you can invest in,
and, fortunately for you, th… Read More
2019-12-11 17:08
Getting financing as a small business can seem like an uphill battle and can be a challenge if your business is still in its infancy. However, there are tons of opportunities out there for b… Read More
2019-12-03 20:32
When CFD traders decide to choose the best
market to trade in, they are looking for a market that offers the best trading
conditions while at the same time promising high returns on investme… Read More
2019-12-02 20:28
To find suitable positions for
the trades, you must understand the volatility. Then you will also need a
thorough idea of the price patterns. The markets will provide appropriate plans
for y… Read More
2019-11-30 02:42
Building your own business isn’t easy. It takes
having a good idea and then working diligently to ensure that you are making
profits on a regular basis. It is very different from the j… Read More
2019-11-29 02:36
If you’re looking to expand your business and
you have a great idea, a franchise may be an option. Many businesses around the
world have increased their market share by adopting a fran… Read More
2019-11-19 21:29
The absolute last thing any ambitious entrepreneur wants to do
is spend money on a venture that isn’t going to work out. In other words,
successful business people hate wasting money… Read More
2019-11-18 19:53
Regardless of what industry you are engaged in, securing customer loyalty is pivotal to long-term business success. A commitment to the customer experience helps develop consumer trust, but… Read More
2019-11-11 19:51
That age-old saying ‘you need money to make money’ is absolutely true. Operating capital and money to pay creditors who provide your businesses with goods and services that are e… Read More
2019-11-05 16:06
Social media has become very popular. It can be found on the majority of mobile devices in the majority of households. It can be used in so many ways for many different ages. The younger gen… Read More
2019-10-18 19:59
Securing the right loan at the right time can prove massively
beneficial for a growing business. Indeed, solid loans allow companies to expand, bring on new
clients, and hire more personnel… Read More
2019-10-05 19:59
Many small businesses rely on marketing and advertising agencies
to supply them with marketing content, social media strategies, and
paid-advertising management. And while partnering up with… Read More
2019-09-19 02:20
In between eating from his box of chocolate and regaling bystanders with tales of magic shoes and war heroics, Forrest Gump sagely reminded us that “stupid is as stupid does.” Yo… Read More
2019-08-08 16:36
Everyone has been there
at some point in their lives, you need money. This situation can come with
different circumstances. Some need money for personal reasons while some may
need it or pro… Read More
2019-07-02 12:56
In
today’s advanced digital age, the customer has high expectations, so there’s
little room for error or compromise by any brand hoping to remain competitive
in its niche market… Read More
2019-07-02 12:55
Many of us understand that unforeseen circumstances
may require you to pay out money you hadn’t planned to spend and might not have.
To help soften the blow when this happens, you can… Read More
2019-05-30 02:59
If you’re looking to get out of
debt, you’ve probably considered debt consolidation. If you’re like
most people, though, you’ve got a few questions about this approac… Read More
2019-05-23 02:56
Highly motivated people love setting goals. Indeed, dynamic
individuals are always pushing themselves to go the extra mile so they can meet
a weight-loss target or keep up a reading habit. H… Read More
2019-02-04 19:54
Even though we truly
love our kids, it can be quite expensive to raise children. From toys, clothes,
books, medical care, technology, education and much more. As parents, we want
to provide… Read More
2019-01-23 17:13
When you have a small business, a lot of efforts are concentrated on marketing. How do you get the most bang for your buck? One form of marketing and communication with clients is through em… Read More
2018-12-21 18:02
Many Individuals require a loan of some sort at
some point in their lives. Loans
could be needed to pay off debt, buy a car or home, purchase equipment or to
get their education. There are m… Read More
2018-10-19 16:25
Starting a small business can become an exciting and a momentous move for you. It is, however, crucial for you to make sure you protect your company from any adverse events. Small events in… Read More
2018-07-13 01:33
One of your core responsibilities as a manage is to inspire employees to be the best people they can be. If you do this well, your staffers will be happier, productive, and more efficient. T… Read More
2018-06-26 20:41
There are times in some of our lives where we may be irresponsible when it comes to money. When you don’t use money wisely you are often faced with bad credit. A bad credit history is… Read More
2018-06-14 19:29
Whether you’re a middle-market business owner looking to hire in your finance department or an experienced accounting professional seeking new employment, you have your choice of finan… Read More
2018-06-13 19:37
If you are planning to establish your own business, you must consider getting your EIN or Employment Identity Number. You can apply for EIN online no matter which state you are residing as y… Read More
2018-05-25 03:00
Every lab comes with its own needs, and those needs need the right software to be met. Whether you run a small operation from your home or are in need of something for a much larger scale, t… Read More
2018-05-23 02:20
Manufacturing costs are the resources that you use during the conversion of raw materials into products. They include cost associated with manufacturing material, direct labor and overhead… Read More
2018-04-24 16:22
As you are setting up your business, there may be some words, numbers, and acronyms that you don’t understand, know what they mean, or that you have simply never seen before. Not knowi… Read More
2018-04-18 17:08
A home warranty protects you from the expenses of a breakdown or malfunction of your household appliances and systems. It provides homeowners with peace of mind knowing that in case of anyth… Read More
2018-04-11 12:51
Every business owner and every small business requires cash flow. A lot of times businesses need a little boost with a little help from the bank. There are many different vehicles available… Read More
2018-04-08 23:55
You will need to save up some money before you can launch an online business. This is because there are a number of things that you will need to spend your money on. It is very important tha… Read More
2018-04-06 02:22
Most small businesses spend a vast amount of their time trying to reduce overhead. It is a simple fact of survival for many small businesses. Businesses thatt fail to limit their expenses ar… Read More
2018-04-03 13:56
Just like most things in our life, it is easy to want to spend less money on car insurance. Insurance is one of those things that you hate spending your money on but you also know you have t… Read More
2018-04-02 14:48
The average credit score of a nation is an easier thing to compute than you might think. The following article will take you through the ins and outs attached to credit. Along with what fact… Read More
2018-03-27 21:58
Planning on starting a business that will require you to lease a commercial space? This can be an exciting proposition, especially if it’s your first time to go into business. However… Read More
2018-03-27 15:56
Dealing with financial problems is hard, especially if you do not know the most effective way of solving them.
If you’re in a tough financial situation now and you’re buried in d… Read More
2018-03-20 16:34
Tax deadlines are approaching fast. If you are planning on filing your taxes yourself this year, this handy infographic from the resource section at Loan and Go can help ensure you are on th… Read More
2018-03-19 19:00
If you have a business or own your own site, it is more than likely that you hired a web developer. A developer is a programmer who creates programs and applications for the World Wide Web… Read More
2018-03-12 19:22
Successful entrepreneur Andrew Argue has not always had it easy. After quitting his job to begin his own business, Argue failed initially, only to bounce back and create multiple successful… Read More
2018-02-27 00:52
Investing in the stock market can be an effective way to create wealth and long-term financial security. However, putting money in the market can be unnerving for those who are just starting… Read More
2017-05-19 21:04
Back in 2014 I was asked which non-fiction books new college graduates should be reading.
After looking at the list I realized that these books were great for everyone wanting to ge… Read More
2017-05-08 08:22
Do you ever feel like you are constantly facing the same money problems?No mater how successful you are, your money hits the same roadblock over and over again.It does not have to be this wa… Read More
2017-05-08 08:22
Do you ever feel like you are constantly facing the same money problems?No mater how successful you are, your money hits the same roadblock over and over again.It does not have to be this wa… Read More
2017-02-20 22:31
If you are a small business owners, chances are you have a love hate relationships with taxes.
One of the hardest parts is what exactly can my small business deduct?
A few things pop into… Read More
![[The Ultimate Guide] How To Choose Mutual Funds](https://cdn.blogarama.com/images/posts_thumbs_site_id/2170/217038-1822796387.w320.jpg "[The Ultimate Guide] How To Choose Mutual Funds")
2017-02-18 03:52
Quick Navigation
How This Guide is Set UpResearch ToolsPhase One: From 1,000's to 25Phase Two: Detailed ResearchPhase Three: Minimums & Open to New I… Read More
2017-02-18 03:52
Quick Navigation
How This Guide is Set UpResearch ToolsPhase One: From 1,000's to 25Phase Two: Detailed ResearchPhase Three: Minimums & Open to New I… Read More
2017-02-08 21:14
Figuring out how much to save each month for retirement can seem like an impossible task.
With all the information that you need to know. Plus all the different calculators that are… Read More
2017-01-16 22:11
I think you will agree with me when I say:
Figuring out exactly how much to save for retirement has too many moving parts to make it an easy thing to figure out.
Well it does not have to… Read More
2017-01-16 22:11
I think you will agree with me when I say:
Figuring out exactly how much to save for retirement has too many moving parts to make it an easy thing to figure out.
Well it does not have to b… Read More
2017-01-11 23:07
In a recent survey I asked why people were not saving for retirement.
A whopping 51.6% said that it was because they did not have enough money.
I compare this to the reason behind why many… Read More
2017-01-06 21:10
One of the most asked questions in personal finance is: how much should I be saving?
Unfortunately, there is not a nice straight forward answer.
You might be asking, “but everyone sa… Read More
2017-01-03 21:07
To hit the gym, to do an at home program, to hit the wild out doors or to do a combination of all of them, that is the question.
When deciding where to workout the choices can be endless… Read More
2017-01-03 21:07
To hit the gym, to do an at home program, to hit the wild out doors or to do a combination of all of them, that is the question.
When deciding where to workout the choices can be endless… Read More
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