Finance

School’s out for summer, but it’s never too soon to find back-to-school deals for your kids.

June marks the mid-year point of 2019, making it a great time to see if you’re meeting your financial goals for the year. If you’re falling short, consider a side hustle for some extra cash. Three ideas:

Pay day is here, thanks to the IRS!

As your business grows, it’s key to plan for things like hiring employees or buying equipment. The good news is that there are a number of options for funding your growth, but it’s also important now to think about how to best qualify for the loan.

If you’re a business owner with a low personal credit score, it’s important to investigate what caused your low score before applying for a business loan. Know that good lenders won’t base your loan eligibility solely on your credit score. Instead, they’ll want to know the story behind it.

If you’re a young professional, it’s likely that retirement is the last thing on your mind. With so many unknown factors in a lifetime, it is vital to start saving early for retirement.

Many experts expect that the Federal Reserve may raise interest rates by a quarter-point two or three times in 2019. So if you’re thinking about getting financing for your business this year, this could be a pretty big deal.

If you’re a business owner, maintaining positive cash flow and protecting confidential information might be things that keep you up at night.

Too often, business owners try to deduct every possible expense, but this can be counterproductive. It makes your business appear less profitable on paper, which could limit the amount of money you can borrow to help grow your business.

In December, lawmakers decided on the first significant reform of the U.S. tax code since 1986. The changes won’t affect 2017 taxes, but here are some ways they may impact your 2018 personal taxes:

So, you finally got something back from the government and you want to run right out and spend it. Hold on just a second; here’s what you should do with that refund:

Your eyes may glaze over reading about possible changes to banking regulations, but it matters.

Before you know it, Tax Day will be upon us. Here are some tax tips to help prepare your tax return, due April 18:

Business loans often carry adjustable rates, meaning your monthly payment can increase when interest rates rise (like the bump we had in December).

Did you resolve to work your muscles at the gym in the new year? Don’t forget to work your financial muscles, too. Though not as much fun as Zumba, these steps can help create the financial body of your dreams.

Did you know that business owners typically have only 24 hours to identify and return fraudulent bank account activity? Most don’t.

Several factors make the current investment environment one of the riskiest in market history.

Businesses looking to fund their growth should consider SBA loans as a viable option. You might not know that SBA loans:

“I’m less concerned about whether being a good corporate citizen burnishes a company’s reputation … I believe it’s a responsibility, and there is no negotiating on responsibilities.” – Ursula Burns, CEO, Xerox

Taking time to search for the right bank or lender may mean the difference between business success and failure. A commercial loan officer not only provides the short and long-term financing your company needs, but is a great source for information on networking opportunities, contacts and professional advice.

Have you thought about retirement? Most business owners, unless they’re 10 years away from the normal retirement date, haven’t given it much thought. Business owners who are serious about achieving true financial independence need to immediately begin thinking strategically and take the essential steps to implement a solid retirement plan. Their plan should contain many elements, including: