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Finances and Franchises  

Interview with Dave Ramsey

The American Dream is Not a Cliche 

Latina Entrepreneur Proves Innovation and Determination Are Still Pathways to Success.

Just one year after coming to the United States from Brazil, Kelly Dantas is becoming a media powerhouse home-based business in New York, with an impressive list of awards for creating cutting-edge commercials on a budget. Her story is certain to inspire a wide audience: business leaders, would-be entrepreneurs, enterprising minorities, or more simply put, anyone aspiring to succeed in any endeavor.. (Read More)

Do You Micro Blog?

Boost productivity and Collaboration with Enterprise Micro-Blogging.

Most business owners are accustomed to using e-mail and instant messaging at work. While those communication methods are indeed useful, they have their limitations. That's why more and more home-based entrepreneurs are turning to enterprise micro-blogging as an additional communication option. (Read More) 

Home Biz MINUTE:

Survive the Financial Crisis Without a PhD in Economics

Balancing the bank account gets even harder for families who know they make less money than they owe in bills at the end of every month, but ignoring the bankbook or spreadsheet won't make bills go away. Basic financial literacy can be gained through easy steps:
* Plan Prudently - Gather the paperwork into one stack, or create a computer file that details all your regular monthly expenditures. Combine it with your pay stubs and records of any other income. Now, you have a clear picture of your revenue and your payables. Moreover, you also have due dates for those bills. Now, plan out what you're going to pay and when you'll pay it.
* Save Prodigiously - Saving money is more than just trying to create a stockpile of cash for the proverbial rainy day - it's about weathering the minor drizzles that come along every month. If you can put away even $10 per week, it can help stem the impact of unexpected car repairs, medical bills, and home repairs.
* Invest Wisely - Take true advantage of your employer-sponsored retirement plans and 401K plans by allowing them to deduct the maximum amount from your paychecks. In many cases, employers match that money, so it's tantamount to saving twice the amount for retirement.
* Manage Risk - The biggest risk for most people is the loss of regular income. The vast majority of families who are in trouble today aren't in crisis because of natural disaster or catastrophic illness, but rather, because someone in the household lost a job. You can hedge that risk by keeping your job skills current and competitive, and taking on a disability insurance policy. 
 

By Kim Snider - for more information visit www.kimsnider.com

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