It is crucial to know where your money goes if you want to get your finances under control. The problem? That isn’t always obvious: Sure, you may keep track of your monthly bills. But what about your daily expenses? When you add up your out-of-pocket expenses, you might be surprised at how much you spend on…
5 Unexpected Expenses to Prepare for in Retirement
It’s no secret that retirement can be expensive. It’s why we spend (or should spend) most of our productive life planning and preparing for it so it doesn’t become a financial nightmare. But even with the best-laid plans, some unexpected expenses can pop up and throw a wrench in your budget. That’s when we think,…
How to Balance Competing Savings Goals
Saving money sounds straightforward—set cash aside for a future purpose—but in reality, people often face competing savings priorities. We want it all: the travel, the house, the flush savings account. So how do we figure out which savings goals to put first, especially when we’re working toward so many things at once? “You’re also still…
The Open Secret of Costco Shopping: Costco Next
By Bob Niedt From Kiplinger’s Personal Finance Veteran Costco shoppers are familiar with the limited-run vendor roadshows for high-end (but heavily discounted) items like Vitamix or Traeger grills that liven up Costco warehouses, particularly on weekends. But Costco is employing a similar strategy in an out-of-the-way online portal of its website. It’s called Costco Next,…
Millennial Money: Get Kids Set to Invest With These Accounts
During my late teens, my mom handed me two worn, blue passport-size books with details of my custodial investment accounts. I had no clue what to do with them, but it didn’t matter, because the accounts were empty anyway. Perhaps for the best, because I’m almost certain my assets wouldn’t have stood a chance. I…
4 Non-Investment Questions to Ask an Advisor Before Retiring
Using a financial adviser for your investment needs is 100 percent on brand, but what about the other parts of your retirement life? For example, a third of people ages 64 and up have a financial adviser, but only 2 percent of them asked their adviser to help with their Medicare choices, according to a…
Is a Line of Credit Right for Your Business Recession Plan?
September 17, 2022
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More than 90 percent of small-business owners are worried about experiencing an economic recession over the next 12 months, according to a June 2022 Goldman Sachs survey. Because lenders tend to tighten their lending standards during recessions, small-business owners may be looking for ways to secure funds before access to credit is possibly reduced. One…
7 Ways Entrepreneurs Can Inject New Capital Into Their Business During a Recession
September 17, 2022
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Recessions are an inevitable part of the market cycle, and there’s no denying that they can be scary for consultants and the businesses they work with. Regardless of the size of the business, a recession can pose a serious financial risk. As consumer spending declines, so too will companies’ revenue and profit. This can create a…
Family Finances: How the Inflation Reduction Act Affects Your Finances
By Sandra Block From Kiplinger’s Personal Finance The Inflation Reduction Act includes everything from a tax hike on large businesses to extended subsidies for Affordable Care Act health insurance policies. Here’s a look at the provisions that could affect your finances. Lower Drug Costs for Seniors Medicare will have the right to negotiate prices for prescription…
Gen Z Workers Are Different; How to Include Them in Recognition Programs
With growing influence, Gen Z workers are becoming a more significant part of the workforce. However, they differ from Millennials, Generation X, and Body Boomers. They’re unique and come with their own set of diverse values. Organizations can design recognition programs, especially for Gen Z employees. Leaders should appeal to their youngest workers because they…
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