All financial images courtesy of: pixabay.com. In today’s society we are crippled by direct and indirect messages to spend money. Often times we are encouraged to spend money we have not yet earned, on unnecessary things, to impress people we do not like. Water cooler conversations take place at the workplace to discuss recent and […]
A one-stop shop for the top tips and news on managing family and personal finances from EM financial experts.
Are you insured, and do you have the proper protection? “Survey says,” most of the American population cannot determine the difference. According to BusinessDictionary.com, insurance is a risk-transfer mechanism that ensures full or partial financial compensation for the loss or damage caused by events beyond the control of the insured party; and, protection is the […]
September is Life Insurance Awareness Month. If you currently have a life insurance policy – or you are considering getting one – here are three important legal facts for holders and beneficiaries: 1.) Life insurance proceeds may not be taken from the beneficiary to satisfy decedent’s sole debt. As a contract, creditors do not have […]
By Ivy Ford, EM Tax Columnist, Tax Biz It takes a bit of planning to ensure that things go smoothly when it is time to file your taxes each year. Below are a few tips to help you prepare for the process: 1. Make a list of all income sources. Employer/ contractor–include all jobs whether […]
By Ivy Ford, EM Tax columnist, owner of Tax Biz 1. Security Breaches /Beware Tax-related identity theft is a continuing problem, with the National Tax Advocate reporting use of stolen Social Security numbers. Identity theft with the IRS doubled in 2013. There was a huge security breach with Target this past holiday season where social security […]
Q: Are there loans available to small businesses that can’t qualify for bank loans? A: If you are a small business owner or even an entrepreneur with an idea, you may qualify for a loan from ACCION Texas-Louisiana. They provide credit and service to small and startup businesses that have little or no access to […]