4 Steps to Take Now to Start a Business Later

Do you want to start a business in a few months or years? Being your own boss might be your definition of the American dream. But to make it work in the long run, you need more than just a good idea or the enthusiasm to pursue your dream. You also need a good financial plan and the ability to make it work.  To help you follow your entrepreneurial dream when the time is right, you should get started now. Read More 

Earned A Raise At Work? Financials Steps You Need To Take

When you work hard and get a promotion, it's an awesome feeling. However, this moment is also an excellent time to make some financial changes that can help you better plan for your future. Learn some immediate steps you should take when you get your next promotion.   Calculate Your Tax Penalties Make sure you don't make any plans with your new income until you calculate your tax penalty. So often, people get hung up on the raised figure without first thinking about how much they will actually bring home. Read More 

3 Ways You Can Invest in Oil

If you want to expand your portfolio, it's time to explore oil investments. Oil investments have a history of performing well, though like any commodity, they do experience natural price fluctuations. When you are ready to add oil investments to your portfolio, here are three options to explore.  1. Purchase Individual Oil Stocks One way to begin investing in oil is to purchase stock in an individual oil company. When deciding which stock to purchase, take into account multiple factors, like the company's debt load, its profit over the past few years, and whether or not it issues regular dividends to its investors. Read More 

Planning For Retirement: Looking Beyond The IRA And 401K

You may already know about how to use IRAs and 401Ks to help plan for retirement, but these are not your only options. In fact, the more diversified your retirement investments are, the more cushion you can provide against potential losses should the market turn south. Here are a few options to consider that go beyond traditional IRA and 401K accounts. Real Estate Real estate can be a great investment at any age, but for people about to retire, it can yield monthly income you can rely on to help cover your expenses and then some. Read More 

How To Adjust Income Tax Withholding To Improve Cash Flow

Individuals who receive sizable tax refunds are usually pleasantly surprised by the amount of the refund. However, the government generally pays no interest on tax refunds. Tax filers can adjust the amount of tax withheld from their earnings by submitting an updated IRS Form W-4 to their employer. An excessive level of income tax withholding has an effect on your cash flow throughout the year. The mismatch between withheld tax and actual tax is often due to a common misconception concerning Form W-4. Read More