Payroll Tips for Starting 2019 Right

Payroll tasks take up around 5 hours per week for a small business owner. This time, while well-spent, could be better spent elsewhere. All small business owners who run payroll know just how much of a challenge it can be unless they’re accountants with prior experience.

Payroll tips

1. Start the Year With Employee Categorization

Employee categorization is essential to start the year. When your employees are not categorized properly, this can cause your payroll to be chaotic. Why? You need to know who will be exempt from overtime or not.

Start the year taking a look at all of your employees’ categorizations.…

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5 Simple Steps to Improve Your Retirement Strategy

Preparing yourself with a comprehensive retirement plan is more important than ever. We are all living longer and it is vital that you have a strategy to ensure you don’t outlive your money. Here are some simple things that can help you to make the most of your retirement fund.

Busy senior businessman working on a retirement plan

Look at your 401(k) plan

A key part of a successful retirement strategy is creating an effective income stream from your savings. Keep your money in the 401(k) if your plan allows you to make regular withdrawals or pays out in instalments. If your 401(k) only allows you to take out a lump sum, it may be worth transferring the savings to a separate retirement account.…

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Getting Started: 5 Business Startup Loans Available to You if You Have Bad Credit

Need a loan for your small business but aren’t sure how you’ll get it? Here are 5 ways to get start up business loans with bad credit.

Business people taking startup business loans

Over half a million Americans become an entrepreneur every month.

Do you have bad credit with an entrepreneurial mind? No problem! With the right strategizing and planning, you can still secure financing for your business dreams.

Let’s get into understanding the best start up business loans with bad credit.

1. Microloans

Are you a minority small business owner? Do you come from an impoverished background? If so, you may be eligible to qualify for a microloan.…

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6 Tips to Negotiate on a Car Loan

If you want to buy a car, but don’t have cash, you can always apply for a car dealer financing. But you should be prepared for a never-ending sales pitch from the salesman and the finance manager.

tips to get approved

Speaking of preparation, here are six tips that can help you significantly:

1. Don’t Make Decisions Based on Your Emotions

A lot of emotions can be involved in buying a car. You may find it difficult to leave the car once you’ve gone out for a test drive. But if the dealer is not interested in negotiating, you are free to walk away. Bear in mind that you’re the one paying for the car and you’re not doing any favor to the dealer.…

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Companies That Offer Online Title Loans With No Credit Check

Title loans are secured short-term loans available to car owners. The vehicle used as collateral should not have a lien on the title. In other words, the vehicle or car should not have an unpaid auto loan.

Online title loans

Title loans are provided by private lenders. The title is used as the security but the borrower gets to keep possession of the car or vehicle and continues to use it as long as the loan gets repaid on time. There are many private lenders offering title loans but not all will do so without conducting a credit check.

It is typical for unsecured short-term loans to be available sans any credit criterion.…

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How to Fund Your Startup Business: 10 Tips to Get the Funds You Need

There are good and bad ways with how to fund your startup business.

Good ways offer capital so you don’t plummet at runway’s end. Positive funding terms let your business thrive without interference. Bad investments are a burden, with nightmare scenarios like losing control of ownership.

Startup funding tips

Startup capital isn’t as large an undertaking because of agile operations. With tens of thousands needed before, a few thousand could suffice today. This creates incredible positioning when pitching investors.

Whether you choose to accept funding from an angel investor. Or, decide your capital will come from traditional funnels. Read this guide to discover your options with attracting (and securing) startup funds.…

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How Good is Your Business Credit Score?

Your business credit score reflects your firms’ responsibilities and values. While it’s easy to view money as something to hoard and churn out alone, your credit score however is also a symbol of your success. It signifies to others what you’re capable of, and what you may go on to achieve. If you need a loan from a bank, want to lease an office space or seek an investment, the business credit score is the data they’ll use to judge you to see if you’re worth their time and money.

Tips for boosting business credit score

The difficulties aren’t too far apart from the personal credit score, in the end.…

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3 Reasons Why You’re Not Making Any Money Trading Forex

If making money trading on the Forex markets was easy, we’d all be millionaires. Sadly, Forex trading requires a certain skill set, and a certain degree of luck. Nonetheless, if you manage to perfect your trading strategy, you can be one of those Forex traders who makes money. It might not be enough to make you mega rich, but it could be enough to pay for a few extras in life, such as a dream vacation.

Making money doing forex trading

In this article, we’re going to look at the most common reasons why Forex traders don’t make any money from their trading activities.

Reason #1.

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Key Differences between Health Insurance and Personal Accident Insurance

The idea of getting into an accident is frightening, as well as the idea of having to leave your family behind in a worst-case scenario. Life is unpredictable after all, and anything can happen in the blink of an eye. Signing up for an insurance plan is a good way to prepare yourself and your family for the challenges you might meet along the way. In exchange for a premium, your insurance can provide you and your loved ones’ health, hospitalization, and even death benefits.

Man in hospital

There are many types of insurance plans in the market these days, and choosing the right one—before you need it—can be a difficult task.…

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3 Types of Penny Stocks That Are Worth Trading

The U.S. Securities and Exchange Commission defines a penny stock as any stock that trades below $5 a share. While savvy investors use penny stocks’ low prices to make money, many people are tempted to buy them without doing their research, but this is a mistake.

Trading in stock market

Before investing in penny stocks, take time to learn about the risks involved and the key factors affecting their prices. By doing your research and learning about the types of penny stocks worth trading, it’s entirely possible, though not guaranteed, to get a good return on your investment.

Here are 3 types of penny stocks worth investing in.…

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