Much of how I feel about when and where to borrow I learned working with my Dad in his small business as a young man. My views are pretty conservative when you consider that popular media would have us all believe that money is the answer to every small business challenge. I just don’t believe […]
Budgeting and Personal Finance
14 Black Financial Experts You Should Start Following Today
When it comes to personal finance advice, it can often feel difficult to find information that is relevant to the Black experience. Black Americans often face financial hurdles such as pay inequality, predatory lending and hiring discrimination, all of which have contributed to a racial wealth gap. “People are working hard, but if every part […]
4 Immediate Ways to Get Your Business Out of Debt
If you have recently started a business – or run into some unexpected trouble – then you may have some debt. This is a normal part of running a business; there will be good times, but you will also see your fair share of difficulties. But, if your debt is starting to get out of […]
How Will Small Businesses Survive Financially After PPP?
The coronavirus delivered a sudden series of shocks to our economy and civil society, some of which were far easier to deal with than others. When it came to ensuring the security of millions of jobs, for instance, it quickly became evident that neither the federal government nor local authorities could prevent businesses from laying […]
5 Proven Ways to Reduce Financial Waste in your Business
The impact of the COVID-19 pandemic on the world economy is set to be profound and lasting. If you’re a business owner, you might be concerned about how you will stay afloat during these uncertain and worrying times; even the most successful businesses might only be a few wrong moves away from going under. All […]
5 Questions To Ask When Applying For A Rewards Credit Card
Wouldn’t you like to be rewarded every time you spend money? Well, if you apply for a rewards credit card, you may be able to get rewarded every time you spend money using your card. Is there an annual fee? Most credit cards these days will require you to pay an annual fee in order […]
What You Need to Know About Stimulus Scams
The CARES Act legislation in March offered stimulus payments to almost every U.S. citizen or resident under a certain income level. During a time of record unemployment, the bill came at a crucial time for those in need. Despite the severe need for economic relief, the size of the package and processing complications have led to significant […]
Personal Financial Planning for Beginners: 10 Things to Consider
Financial planning is a concept that teaches us the importance of valuing our money and utilizing it in the right way to secure our future. It does not only involve saving money but tells us the correct way of how and where to use it. If you are planning to save your money and utilize […]
When is the Right Time to Choose a Personal Loan?
Is there a ‘right time’ for applying for a personal loan? Perhaps it’s easier to think about when it’s the wrong time to take out a loan. You don’t have to wait until your situation becomes desperate – careful planning for a loan could be a very wise thing for you to do. Here are […]
5 Costly Business Expenses You’re Forgetting to Account For
To keep a small business running, you need cash on hand to cover all potential expenses — like payroll, materials and rent. Some expenses, however, tend to slip through the cracks — and may come up at a time when your business isn’t ready to handle them. With the right preparation, you can plan for […]
