These are challenging times for many Americans. Even though the economy continues to improve from the recession, most working adults continue to struggle with their finances. The cost of living continues to rise while wages stay stagnant, which has left many people feeling like they can’t get ahead no matter how hard they work. 

Financial planning is about setting long-term goals and creating a plan to achieve them. While there are many things you need to consider before finalizing your financial plan, one of the most important factors is whether or not you are adequately prepared for retirement. 

When you open a bank account, you’ll be prompted to choose between a checking or savings account. You might wonder which one is better. If you’re new to personal finance, the language used in banking can seem daunting. Terms like “interest rate” and “loan” may seem confusing at first glance.

The Ultimate Guide to Calculating Your Payback Period

When evaluating an investment opportunity, you need to know how long it will take for your initial capital to be recouped. The payback period is the time it takes for a project to generate enough cash flow to recover its initial cost. 

How To Develope A Successful Real Estate Development Model

Real estate development is an industry with high risk and high reward. There are many factors that determine the success or failure of a real estate project. To be successful, developers must understand and plan for the risks involved. They must develop a strategy to mitigate those risks, should they arise.

A Simple Guide to Corporate Bond Valuation: Part I

Corporate bonds are among the most widely traded fixed-income securities. Thanks to the fragmented nature of the market, they offer a variety of opportunities for investors seeking stable returns while maintaining exposure to risk. 

Understanding the Price Earnings Ratio and How It Affects You

The price-earnings ratio (PER) is one of the most widely used tools to value stocks. In this article, we explain what PER means and how you can use it to make better investing decisions. We have all heard that “the market’s not cheap” or something along those lines if a stock market valuation is high or if earnings are low. If a company’s stock is overpriced, analysts will also likely mention the price-to-book ratio as a measure of its worth.

How to Make an Employee Buyout Offer: A Step-by-Step Guide

Let’s face it. Not every employee is going to want to stay with your company forever. Some people may have personal reasons for wanting to leave and start thinking about a different career path, or they might just not be interested in the long-term commitment that comes with working at your organization.

Everything You Need To Know About Sole Proprietorship

If you’re considering starting your own business, it’s important to know your options. There are several different types of businesses you can operate, each with its own set of advantages and disadvantages. Sole proprietorship is one such business structure that doesn’t require you to file any special paperwork or register with the state.

Crisis Management: What It Is and How to Handle It

Crisis management is about knowing how to react when something goes wrong. It’s not just about having a plan; it’s also about being able to think fast and make the right decisions in any given situation. The procedures you put in place should be straightforward enough that they can be followed even under stress.

Why Diversifying Your Company Is Important in These Challenging Times

Diversifying your company is one way to protect your business in the event of a market downturn. This isn’t just a good idea in general—it’s crucial to your company’s success and longevity. Fortunately, diversifying your business is easier than it sounds. 

The Buy and Build Strategy: A Step-by-Step Guide

When we think of a traditional franchise business, it’s likely that images of fast food restaurants and car dealerships come to mind. However, the franchise model isn’t exclusive to just one type of industry. Franchising can be a successful strategy for any company looking to expand their operations and grow their business.

The Art of the Bait and Switch: How to Get What You Want Without Lying, Cheating or Scamming

Have you ever been a victim of the bait and switch? It’s a scam where someone advertises one product but sells you something different. It’s also known as Switching, Bait-and-Switch, or Bait-and-Change. It’s an old trick that con artists have been using for centuries.

Understanding the Value of Your Company: The Market Valuation Approach

The value of a company is the worth of that business. It is the price tag on a company and can be broken down into two main components: market valuation and equity value. The former refers to how much money an investor would pay for a stake in your company, while the latter refers to how much your company is worth from an equity standpoint. In order to understand the value of your company, you need to look at different metrics that give insight into its value.

Startup Valuation Methods: The Basics for Understanding How to Estimate the Value of Your Startup

Before you can successfully raise capital from investors, you need a valuation for your startup. Whether you’re looking to take your company public or private, get an equity investment from another firm, or receive grants and awards, you will need a valuation to complete these tasks. A startup valuation is an estimation of the value of your business at a particular point in time.

How to Measure and Improve Your Business Growth with the Gordon Growth Model

The business world is a dynamic environment. Things change almost daily and staying ahead of the curve requires an agile organization that can adapt to new situations quickly. As such, businesses need to constantly be reassessing their strategies and making changes where necessary. There are many different ways to measure your business growth, both in the short-term and long-term.