Very few businesses these days get by through word of mouth or paper advertising – most will have a website or be cited in various online sites (such as general advertising-listing sites or comparison sites). Many businesses also carry out much of their work online, creating and sending often sensitive data via email. Whilst it is advantageous to use technology so effectively, there are risks associated with conducting work over the web. This is where cyber liability insurance comes into its own. … [Read more...] about What Is Cyber Liability Business Insurance?
This question has plagued financial planners for years. Should you pay off debt, or should they start a retirement account first? This assumes that the same amount of money is involved in each transaction. We will use $5,000 for our examples. Below we will take a look at the pros and cons of each option, and give our opinion. Paying Off Debt First Paying off debt is a great way to use a lump sum of money. Being in debt can be burdensome to the individual in debt, and feeling like you are never going to get out can be awful. If you do not have a … [Read more...] about Which Is First: Paying Off Your Debt or Investing for Retirement?
The following is a part of Yakezie’s blog swap from Dannielle. She blogs about personal finance and Barbados at Odd Cents. You can check out my post on her site this morning as well about the best investment advice I ever received - Start Early! For someone that’s now getting acquainted with the investment world, I’ve been trying to get as much advice as I can. In the last six months, I’ve attended seminars, done research online and asked friends for specific investment advice. As a result of my persistence, I’ve received several helpful … [Read more...] about The Best Investing Advice I Ever Received
A merchant account is an arrangement a merchant makes with a bank or other merchant account provider in order to facilitate payments with a credit or debit card. Obtaining a merchant account is a necessary step for an online store wishing to accept payments online rather than having payments mailed to them. If you have an online store and want to accept credit or debit card payments, efficiently, you will need a merchant account. You can compare merchant service providers online, which will help you find the best providers for you and … [Read more...] about Obtaining A Merchant Account For Your Online Store
This is a guest contribution from Bill Hazelton, CEO and Founder of Credit Card Assist, a leading pro-consumer, credit card information resource. It takes a lot of guts to run a small business these days. You need to be your own boss, your own IT team, your own cleaning crew and, most importantly, your own accountant. Typically, money is always tight in the first year (or few years for some), and things will only get tougher if you can’t find sources of financing to support your early growth track. The problem is that ever since the … [Read more...] about Five Creative Ways To Fund Your New Small Business
The following is a guest post from Don at MoneySmartGuides.com where he posts about personal finance for the average person. Sadly, personal finance isn’t taught in school and many people are confused on the subject. Don is here to help educate everyone in hopes that they reach their personal finance goals!
When it comes to estate planning, most people avoid the topic. It’s understandable, but there are four estate planning documents you need to have. It’s understandable since talking about your own death isn’t something most people look … [Read more...] about