While attending college in Arizona, my roommate was this incredibly intelligent young woman who also happened to be a Navajo native American. She was attending school thanks to a navajo nation scholarship and in return, she had pledged that she would return to her native Navajo land and pass on the education, skills and abilities she had learned while at the university.
While most I knew in college had big dreams of moving away from their hometowns and living on their own, my roommate told me it was an honor and an easy choice to make the commitment required for the scholarship, as not only was her college education paid for, but she had a strong desire to return to her home and help improve life for her large family.
I did not understand just how abundant that family was until she took me home for a weekend and I got to experience the Navajo Nation community she had grown up in firsthand. Family, to my roommate, extended well beyond her own mother, father and siblings, but went well into the entire community. I don’t think we passed a single person who did not greet my roommate by name and with a hug and were so very welcoming of me into their community as well.
I enjoyed a wonderful weekend, was more than well-fed, learned about many of the traditions and beliefs of the Navajo people and felt truly cared for by my roommate’s family and friends. It truly felt like home to me and it gave me much more understanding as to why my roommate wanted to return after graduation as well. My roommate wanted to do well in school not only to make her family and community proud, but to bring back something of value to her community to help it grow and thrive as well.
April 3, 2017 Comments Off
So I am trying to figure out how much money I would need to put a down payment on a house. Of course I am not talking about the sort of home you would need if you had a wife and three kids. It is just me by myself, although I was thinking that perhaps if I got a good deal, perhaps I could rent out a room to a suitable tenant. That would fit in with the lean finance plan I have been using to try to save up money. For well over a year I have been focused on saving my money and to that end I have been putting aside a lot of my favorite things. It is pretty hard to keep a girlfriend when you are really trying to not spend any money obviously. [Read more →]
July 6, 2016 Comments Off
As a landscaper, I work a lot of hours. I get up most mornings at 5 AM so that I can be on the road by 7 AM to see my first customer of the day. I often do not finish my work day until 8 PM each night, and I am often tired and have little time left before I need to be in bed again. Making phone calls to some of my customers who don’t pay on time is not something I have time for. I called Professional Recovery Consultants to ask them what can be done about this, and they have been great.
It costs me time and money to have to make a lot of calls to customers. I work on Saturdays and Sundays as well, so I don’t have any free days to chase down customers for past-due payments. [Read more →]
September 30, 2015 Comments Off
For many years, I handled the bookkeeping at my small business. But within a year or so, I decided to hire someone to take over the work from me so that my time would be free to focus on other things instead. She was an accountant who seemed to do great work for me, but at some point, I finally realized that I needed someone with more experience. Someone who could help move my business forward.
I had big goals for my company, and I was pleased to see the growth each year that I hoped to gain. I really enjoyed being able to pay my employees well, give them well deserved raises and let them all know that I hoped to continue running a business that would give them a secured spot within the company for as long as we remained thriving. But I also needed to make sure that the employees that I hired are people who know how to keep up with the growth of our company.
When we were simply a small, start-up businesses, the employee who was hired to do our accounting had no trouble with keeping up with the work. [Read more →]
August 18, 2015 Comments Off
After growing tired of living in rental homes, I decided to set my mind to buying my own place. I was simply tired of being at the mercy of landlords who are looking out for their own interests at all times. A place that I own would mean that I am responsible for all of my decisions concerning my house, and I would not have to beg someone else to do the work around the place. So, I began looking in earnest, and found a place. I decided to go with Morgan Hill mortgage lender to secure my loan. I liked their rates that they gave me. After that, all I had to do was wait for the big closing day to sign the paperwork, and the house was mine.
When my contract ended on the rental home I was in, I was pretty elated to tell the landlord that I was leaving. I had lived in that place for five years, and I had always made sure to pay my rent on time. I kept both the inside and the outside of the entire place clean and well picked up. In fact, I would say that I did better in taking care of everything than many renters do. [Read more →]
August 5, 2015 Comments Off
I was always filing for an extension to do my business taxes. It was tough doing everything we needed to do to run our home business and keep the house running efficiently. Then we had to add meticulous bookkeeping to the list to keep the tax people happy. I was looking at how much it was costing us in man hours to do our own bookkeeping versus what it would cost to have a professional San Jose accounting firm do it for us. We thought we were too small of a business to benefit from having an accountant do anything other than our taxes.
We had a small payroll of five employees of which my wife and I were two of them. So it was only three other people who worked with us in our small cottage industry. We paid a living wage to ourselves and our employees. We provided a good healthcare insurance policy. We stayed small and within our means maximizing our profits to benefit the people we had rather than looking for constant expansion. [Read more →]
July 23, 2015 Comments Off
I knew that I wanted to look into online trading, but I was not sure at first which direction I was going to go with it. There were just so many different options available to me, and I carefully looked at each of my options. I decided that pairs trading was a safe way for me to test the so called waters to see if I liked online trading. What appealed to me the most with this is that it does not matter which way the market is going with this kind of trading.
Most investors and traders only want to see prices going up, but I saw where falling stocks can be an advantage to traders too if they understand what they are doing. I have been following the stock market for many years, so I was not a complete newbie to how everything works. [Read more →]
July 28, 2014 Comments Off
I have had some coins since I was a young child. I have always been into using a metal detector. I got pretty good at finding things at places where the public would gather, and I had a reputation of not leaving any marks on the ground. Private property owners then let me hunt for things. I would split finds with them. If it was only one item, I would sell it and split the money. Some of the old coins were worth a lot, so I was looking for gold coin dealers in Nashville to sell a few for the highest return to me.
Gold keeps going up. I had jewelry pieces made of gold too. I would find all kinds of things from rings to watches. [Read more →]
January 5, 2017 Comments Off
As someone who has always been good with numbers, my dad recommended that I go to school to become an accountant. I didn’t really think of anything else I should do, so I followed his advice. However, after about 3 years worth of school, I realized that becoming an accountant did not really appeal to me. There was no way that I was going to throw away the schooling that I had already worked hard for, so I decided to finish my degree. In my 4th year, I realized I was interested in starting a tax business of my own. I wasn’t thinking of owning a big place with hundreds of employees. I simply wanted to start out on my own and see where that led.
I was really grateful to get through my last year of college. I figured that if I really needed to change my major to something else, I could do that after I graduated. [Read more →]
December 16, 2016 Comments Off
Like anyone I am interested in all of the tax relief that I can get, but I am worried that the last guy who was doing my taxes may have been a lot more brave than he needed to be. You want to walk up to the line and look at it really hard, but you do not want to cross over it. You definitely do not want to do the sorts of things which makes the IRS want to look really closely at you. That is such a big pain in the butt that there is not any profit in risking it. More to the point, life is short and you want to enjoy it as much as you can. That is really hard when you have the government crawling up in your business half of your life. [Read more →]
September 2, 2016 Comments Off
My mom has loved shopping at Bed Bath and Beyond for years. The only time I would go there is when I went back home to visit her, because there aren’t any close to where I live. On my last visit there, I noticed that she was looking at some silverware patterns. When I asked her if she was going to get a new set, she told me she will one day. I could tell she was really indecisive though and wanted a new set. When I went home, I searched for Bed Bath and Beyond coupons 2016, knowing that I was going to get her the set that she had looked at.
Since I had no way of getting them unless she was with me, I decided to just order them online and surprise her. [Read more →]
June 14, 2016 Comments Off
You have bad credit? It’s kind of awful, isn’t it? I’m right there with you. I made some (read: many) mistakes when I was younger. A lot of mistakes. Enough financial mistakes that nearly for a decade in my 20′s I was unable to do anything at all. I couldn’t get a new car. I couldn’t even get a home. I was so stuck because of my poor credit I was forced to do nothing but work and pay cash for nearly everything. Even when I was able to get one of those loans for people with poor credit it wasn’t enough to repair the damage to my credit.
It’s amazing how easy it is to destroy your credit. A couple of bad accounts, an unpaid credit card and suddenly you find your credit score down to 300. [Read more →]
November 26, 2015 Comments Off
I have started to think about whether or not I want to start doing somewhat riskier investments with the potential for higher returns. Of course that does not mean that that I am ready to get involves in stuff that is overly risky. For example the other day this fellow I know was talking about how to choose the right binary options broker, but when you look at it closely this is pretty much straight up gambling. You are betting on one of two outcomes, if you win you get something from it obviously. If you lose, then you lose all of the initial bet. That just is not something that makes me feel good. If I was certain that I would win, then obviously it would be okay. [Read more →]
October 29, 2015 Comments Off
Have you been considering getting yourself one of those cash loans? I feel you. Whenever I have an unexpected debt or really, really want to buy myself that I’ve been wanting my thoughts instantly go to one of those payday loan like places. They seem like such a great idea, don’t they? Personally, I’m all for them. This is assuming that anyone take out a loan understands the legal agreement, the interest rate and has enough money to actually pay back the loan. Some of these places don’t care whether or not the money is actually there to be paid back; that’s not how they make their money.
They can sell debt to credit agencies who will hound individuals through phone calls or even take them to court – something that doesn’t exactly work well, truth be told. [Read more →]
September 28, 2015 Comments Off
A Roth IRA (Individual Retirement Arrangement) is a retirement plan under United States law that is not typically taxed, provided that certain conditions are met under this unique plan. This is the retirement plan that, even at my 31 years of age, I have been told again and against that I need to invest is. Is it the right plan for me? I am what you can consider financially stupid. I have never been someone who has learned how to invest – I have a savings account in which I keep at least three months worth of bills saved up in case the worst should happen but beyond that I honestly do not have a clue as to what I should be doing with my money.
An Individual Retirement Arrangement can be an individual retirement account containing a portfolio of investments in securities, usually common stocks and bonds, often through a mutual fund. The main advantage of this sort of retirement plan is that there are fewer restrictions on the investments that can be made than most other tax advantaged (tax free) plans, which has helped it’s popularity over the years. [Read more →]
September 6, 2015 Comments Off
Each financially obligated individual and business should always be keeping a detailed financial record or at the very least hire a management accountant in Brisbane, in light of the fact that it is essential for gauging the advancement and development of the business. Too, it offers a sense of security should anything ever go awry within the budget. Keeping great records will help you to prepare financial explanations and presentations, appraise any questionable receipts or transactions, ascertain deductible costs, prepare any expense forms, and associate everything to the appropriate federal or government forms in your country. Moreover, if you ever hire a legal advisor, your recording keeping will help you to delegate financial responsibility.
Building up a record keeping infrastructure is vital to guaranteeing your businesses’ financial success. Before progress can be made, there must be a record of exchanges. [Read more →]
August 28, 2015 Comments Off