Our small business bankers, like those at other banks, are hearing two main concerns from customers these days: They want to know what it takes to obtain loans, and they want help managing expenses and cash flow.
As most business owners are acutely aware, 2008 witnessed unprecedented freefall dips in the global economy.
One of the biggest myths offered by the California insurance industry to justify its eliminating your legal right is the need to control the "litigation explosion" under which we are supposedly burdened. It is simply not true.
If you are concerned about the rising cost of health care and what its escalating cost will do to your retirement plans, you are not alone.
Everyone makes mistakes. If we are smart, we can learn from our mistakes. With luck, we can learn from other people's mistakes too. In the current financial problems affecting our retirement assets, and our hesitancy to be in the market, following are some common pitfalls to avoid with your retirement savings plan at work.
Floods, droughts, hurricanes, severe storms, landslides, ice, snow and wildfires are all natural disasters that can cause devastation when it comes to your business. What do you do if your business is destroyed by a natural disaster? Who do you turn to? How can you prepare now to prevent hardship later?
California's Family Code requires that when there are contested custody or visitation issues regarding minor children, the parties must attempt to resolve their disputes through mediation before going to court to litigate the issue.
On many playgrounds, you will often hear the phrase "that's not fair." Those three words also have a huge impact in dispute resolution. That is because the principle of fairness is often overlooked.
My normal column provides practical advice and counsel to those in business, but there are occasions when it is important to stop and take a broader, more personal look at the world of work.
Twenty-five years ago, Costco opened its first warehouse store. At that time in the retail industry, selling annual memberships for the privilege of buying things was almost unheard of. The company has since grown to 544 locations in seven countries, employing 142,000 people and has annual revenue of $72.5 billion.
I do believe most of us are ready for 2008 to end and see some better New Year's resolutions in 2009, especially from our financial markets. Everyone I know is tired of seeing their 401(k) plan look like a 201(k).
An increasing number of Americans believe that a comfortable retirement may be beyond their reach.
As we approach year-end, there's still time to take action to lower your 2008 tax bill and add to your tax-advantaged retirement accounts. Listed below are a few ideas to get you started. This is by no means an exhaustive list.
In my most recent columns we've covered issues about improving your business and marketing, but today let's start right at the beginning.
It makes us, or it mars us, think on that,
Last week marked the end of the first half of the calendar year. It seems like January was just last week.
Starting or growing a family can be an exciting milestone in one's life. But as most experienced parents will tell you, your priorities are likely to change, and along with these changes come new expenses and responsibilities,
Being a trusted advisor is a place of honor. When you reach a certain stage in life, you are compensated not for what you do but for what you know.
With student loan debt nationwide at an estimated $1.2 trillion, homeownership for many recent and past graduates is a distant dream.
Throughout the years at the Advisory Board meetings I facilitate, I've heard a fair amount of laughter and grumbling from the business people who participate.
Jim, president of the top local IT company, came by the other day. He was not happy. He'd just been served with a complaint, alleging that he'd breached a new employee's contract, had wrongfully terminated her, and was guilty of breach of promissory estoppel (whatever that is?).
The bottom line, the profitability of a company, should matter to every employee but many owners tend to keep this information private. Owners then complain when profits are thin.
Even in a state with hundreds of miles of beautiful, sandy beaches, luxury home buyers in California preferred hilltop homes over ocean-front properties by a margin of four to one.
I've always liked watching team sports. Sometimes you don't even have to be watching a game to know how things are going. You simply have to listen. You can hear the winners.
Not yet using LinkedIn to help you find qualified professionals? You should be.