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In this competitive credit market, it's all the more important for Santa Clarita Valley residents to have a good credit score. Your credit score affects your candidacy for a loan and the interest rate and terms you receive on a loan. It could also make the difference between a landlord or homeowner choosing you as a tenant or an employer hiring you.
No matter what you sell, you will inevitably face rejections and refusals, but learning to see "no" as valuable feedback can take your sales to a new level. Regardless of how often we hear "no," it's a tough thing to take.
When a male graduate student pursuing a degree in military history was inclined to speak his mind in classroom discussions about women in combat and women in the military more generally, he felt inhibited by the university's broadly worded policy on sexual harassment.
Many common myths have developed and come up continuously in discussions about estate planning.
Data suggests that recessions are becoming shorter but economic uncertainty and distress is affecting many organizations.
If you are like many of the people we talk to lately, most tell us they are moving to conservative holdings in their retirement or long-term investment plans.
Diversifying to increase your cash influx may sound like an oxymoron, but every entrepreneur should take a hard look at not having all your eggs in one basket. Any business, from the smallest home-based business to the largest corporation, gains stability and profits by diversifying.
Everyday, 13 million people need assistance with routine activities such as dressing, eating and bathing, according to the Direct Care Alliance. Four out of 10 people turning 65 can anticipate stays in a nursing home, and by the year 2025, 78 million Americans will be over age 65. Most health insurance programs will not usually cover long-term-care expenses.
The first responsibility of an entrepreneur is to develop a business model that works. This means having a long-term relationship between the two parties (supplier and customer), multiple revenue streams and multiple product lines.
If you could have bought insurance on your retirement account to guarantee not losing your principal and earnings value last year, how much would you be willing to pay to insure it?
Many people don't give too much thought when choosing someone to be the beneficiary of a life-insurance policy.
An early IRS sampling of tax returns shows about 15 percent have errors involving the recovery rebate credit that is related to last year's economic stimulus payment.
As tough times abound in this economy, many of our Santa Clarita Valley bankers are hearing this familiar question: "How can I start saving if most of my money goes toward bills?"
Identity theft is among the fastest growing crimes in the nation.
Do you remember when Google was just a cool and reliable Internet search engine? PC Magazine recognized the company as the search engine of choice in the top 100 Web Sites for 1998.
Books like "Built to Last," "The Breakthrough Company," and "Good to Great" were written to help business people improve the companies they own, lead and run.
The housing market in the Santa Clarita Valley started the New Year tentatively, yet encouraging news abounds as the traditional Spring home buying season approaches.
If you wonder why your sales people aren't more productive, aren't making enough presentations and are slow to close deals, it might not be the industry you are in, your location or the economy not cooperating.
According to the recent news release from the Bureau of Labor Statistics the US economy added 113,000 jobs in January 2014 and, "…job gains occurred in construction, manufacturing, wholesale trade, and mining…Employment in manufacturing increased in January (+21,000)…Manufacturing added an average of 7,000 jobs per month in 2013."
Years ago a major manufacturer hired a research firm to conduct a survey of the cultural climate of the company.
Under the federal Ability-to-Repay rules that went into effect Jan. 10, lenders received guidelines on the type of financial information homebuyers must provide lenders when seeking a loan.
Research suggests that employees do not leave because of the company they work for, but they quit because of their manager.
What is our fascination with forecasts? Are they really helpful and how can we use them for planning purposes?
At the end of the first month of the year, are your objectives for 2014 being met? Have the results versus your goals left a gap? Are you worried that what happened or what didn't happen in January can spread to February? Or March?
In May, 1976 I had just finished what I first thought was my junior year of college. When I put a pencil to things, I discovered I was not 12 months away from graduation, but closer to two years.
When you think of California do words like innovative, leading-edge and trendy come to mind? A place where new ideas first take root before they become woven into the very fabric of the national culture and industrial base before becoming recognized around the world as being uniquely "American". If so, you may be surprised to learn that in one area, the critical business process of selecting and hiring new employees, California is lagging behind the rest of the country.
I recently conversed with the owner of a profitable company. She was interested in addressing some issues so she could return her attention to growing the business.
Federal rules that went into effect Friday, Jan. 10, provide homeowners and consumers shopping for a home mortgage new rights and greater protection from harmful lending practices, while also probably slowing the pace of home price increases and forging a stronger, more stable housing market.
If you haven't noticed, the airways are filled with advertisements to join a gym to get into shape or to start a diet.