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Money maven, Mary Hunt, returns with a new book, “The Smart Woman’s Guide to Planning for Retirement,” to help women prosper financially in the New Year and beyond. While geared toward females, men can also benefit from Hunt’s money knowledge, honed after she amassed over $100,000 in debt earlier in life; and took 13 years to erase.
“Have you had a retirement wake-up call?” Hunt asks early in the book. “I can promise you they intensify with age.”
Hunt sites a 2012 survey that found that 92 percent of women of all ages do not feel educated enough to reach their retirement savings goals.
Saving for retirement requires determination and hard work; and Hunt believes women can succeed. “If we lack confidence, it’s because we lack knowledge and desire, certainly not because we lack intelligence and ability,” Hunt says.
Time trumps all factors when saving for retirement. The sooner you … Read More
Does your business allow for “mailbox money” and a lifestyle you love? If not, what would it take for you to create this?
Let’s start with the definition of mailbox money. This is money you receive in both your inbox and your physical mailbox.
I first heard the term from Mary Morrissey. When I heard her definition I realized I have had mailbox money for years.
Based on how you have your business set up you likely have a general idea of a minimum amount of money that will arrive daily whether it be a few hundred or a few thousand. Beyond the baseline, you likely won’t know from day to day how much cash will arrive. The reason? Multiple streams of revenue that fluctuates from day to day.
Multiple streams of revenue is exactly what it sounds like; money that comes from various sources. One way to create … Read More
If you read reviews of personal attack alarms, you will find that some people say that the alarms are not loud enough. The truth is that many people misunderstand what a personal alarm is designed to do. The primary purpose of these devices is not to attract attention, but to make the attacker stop what they are doing and run away.
How Loud Are Personal Alarms?
Most personal alarms are in the region of 110dB to 140dB. To put that in perspective, a power saw is 110dB at three feet away, and a jet engine is 140dB at 100 feet away. However, sound doesn’t travel too well through solid objects. That’s why shutting your windows will partially block at the sound of traffic in the street below. This simple fact applies to alarms as well. If you set one off, it won’t seem very loud if you are in the … Read More
Business financing options are provided by a number of non bank specialized finance companies in Canada. They provide an array of corporate solutions, all of them different but still allowing you to achieve cash flow and working capital goals. They are in fact, the answer to.. you guessed it ‘ no bank financing’ conundrums.
The challenge for business owners and financial managers is to identify and execute on who those sources are and what they can do for your company. Many companies, and industries in fact have specialize needs.
When you think of the right type of business financing for your company it’s important to think of senior and junior! What do we mean by that comment? Simply that a senior lender will want all the security on your business, typically handled by a document called the G S A – General Security Agreement. It then becomes a challenge to … Read More
A claim supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the claims process. However, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.
Claim supplements usually occur after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, additional damage is discovered some time later.
Many people erroneously think that, once the claim is closed, it cannot be re-opened. And, insurance companies and their adjusters usually don’t rush to tell you how to submit a claim supplement. So, what to do? Let’s look at car insurance claims and property insurance claims.
For any kind of supplemental claim, you must contact your insurance company and give them your original claim number. The best way to notify the company is in writing, sent … Read More
Everyone who owns a company knows how difficult it can be to find yourself in a problematic situation when you need some financing, but just cannot find it anywhere. Whether you have some last minute debts that you need to cover or you do not have enough capital to pay the salaries of your employees, in business there are many situations when you need to access a short term loan in order to cover some urgent financial matters. Short term loans can have a deadline ranging from one week to one year, so depending on your company’s needs, you should be able to find proper financing. The benefits of accessing short term finance are that the interests can be much lower and you will be able to complete your financial tasks sooner.
There are many specialized institutions that offer mortgage finance and loans, so any business owner should call and … Read More
Who invented money? Ask any number of people and they couldn’t tell you who it was that actually invented money or where the idea came from. History has given us some bad ideas, but money has to be the worst and here are my top three reasons why.
If I think really hard and try to imagine a time without money, before it was invented and used on a daily basis, I tend to imagine that the world was a completely different place. People most likely had a barter type society where goods and services were exchanged and that is how one survived. If I had a particular skill, say hunting, and you were hungry you could come to me for food. The idea would be that if you could make fire, and I could provide the food, then we
Are you a caregiver or a personal attendant who works in a private household or home? As a household worker either as a caregiver or personal attendant, are you entitled to minimum wage? Over-time pay? Other benefits?
If hired directly by an individual or family, your benefits are different from one who is hired by a private firm or agency and governed by general employment laws: applicable federal and state statutes.
A live-in employee as opposed to a live-out employee is subject to special work rules discussed below.
A caregiver or “care custodian” is defined by Section 15610.17 of the California Welfare and Institutions Code as:
“… an administrator or an employee of…public or private facilities or agencies, or persons providing care or services for elders or dependent adults, including members of the support staff and maintenance staff.”
A “personal attendant” is not entitled to overtime compensation, unless: (1.) he … Read More
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