BMH Accounting & More

Are you thinking about taking out a business loan? If you send in a loan proposal without the right preparation, you'll come across as high-risk to the banks. So what's the solution? Let us build your bank proposal for you. https://bmhtaxes.com/bankfinancing.php

BMH Accounting & More

Ask Larry: Should I File For My Social Security Retirement Benefits Now?

Is there a right time to file for Social Security retirement benefits? http://bit.ly/2GNOUcQ

forbes.com Today’s column explores when a lower earnings spouse can best file, filing when a spouse will receive a pension based on income not covered by Social Security, whether divorced spousal benefits can be claimed and how spousal benefits are calculated.

What to Ask Before Choosing a Financial Planner | www.financialhotspot.com

Finding someone to trust with your assets can be daunting... Here are 10 questions to ask when choosing a financial planner. http://bit.ly/2RAVwjY

financialhotspot.com Finding the right financial planner is an important part of your future. Get the information you need to make the right choice.

Happy 4th of July!

Wishing you a safe and happy Fourth of July! #IndependenceDay #HappyFourth #HappyBirthdayUSA

The No. 1 mistake Americans make when saving for retirement

Take advantage of your company's 401K Match. Think of it as an additional pay raise. https://cnb.cx/2XWWVmH

cnbc.com Like many Americans, you could be making this retirement mistake, which means you're missing out on free money, says CFP Eric Roberge.

Tips for Combining Your Finances: Emergencies happen and don't always fit into our budget. Working together to create an emergency fund is a great way to build a safety net.

16 Easily Forgotten Monthly Expenses

So your budget is perfect... right? Here are 16 commonly forgotten expenses - some of them can really add up! http://bit.ly/2XXMcIF

daveramsey.com Easily forgotten monthly expenses can break your budget. Create a monthly budget that prepares you for unexpected expenses with these 16 budgeting tips.

How to File 1099 Forms for Independent Contractors | www.financialhotspot.com

If you paid more than $600 over the tax year to an independent contractor or contracting LLC, you will need to generate a 1099 form. http://bit.ly/2JT3kfV

financialhotspot.com Find out how correct filing of 1099 forms for your independent contractors can prevent IRS penalties and fines.

10 Ways Small Businesses Benefit Their Local Communities

Do you own a small business? Here are 10 ways your business can benefit from engaging with your local community. http://bit.ly/2GNyeCq

medium.com Imagine your hometown or local community. Go to the main street or shopping district in your mind. Now imagine it without any small…

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Do you have the right Money Mindset?

Tips for Combining Your Finances: Upfront budgeting - rather than waiting until the accounts are suddenly low, create a budget that you are both comfortable with so you know where you stand from the start.

Taxes 2019: How long should I keep my tax returns?

How long should you keep your tax returns? It's recommended to keep your returns for 3 years, do you know why? http://bit.ly/2IW75jq

usatoday.com How long you should keep tax returns and supporting documents depends on your tax situation and when the audit period of limitations runs out.

What's Next? A Guide to Setting Long-Term Goals After Paying Off Debt

So you've prioritized your budget to pay off your debt and succeeded... Congrats! Now it's time to plan for your future... http://bit.ly/2IG9Dmd

investorjunkie.com Woo hoo! You've paid off your debt! Now what?! Here's what to aim for in the long term.

Tips for Combining Your Finances: Take a look at your spending and saving styles to decide if you want to combine all accounts, keep it separate or find a middle ground. There's no right answer but taking the time to plan can set you up for success!

Life Insurance: 9 Key Factors | www.financialhotspot.com

Weeding through the jargon and complex fine print of the insurance industry can be challenging. To make things easier, here are nine key aspects of life insurance that you’ll want to understand before taking out a policy. http://bit.ly/2WFuvkk

financialhotspot.com Having the right insurance policy can give you the peace of mind you need to relax and enjoy life.

Who Should I Name As My IRA Beneficiary?

What happens when you ignore naming a beneficiary to your 401k plan? http://bit.ly/2XYJ3sc

forbes.com Answering these 7 questions will help you determine your best beneficiary naming strategy.

9 Ways To Invest In Real Estate Without Buying Property In 2019

So you want to invest in real estate but aren't ready to purchase property... you have options. http://bit.ly/2HYa1vm

forbes.com Make passive income with real estate. Learn 9 real estate investment options you can start today without having to manage any physical properties.

10 Tips To Avoid Audits for Small Businesses | www.financialhotspot.com

Each year well over a million taxpayers will typically be selected by the IRS for audit... here are 10 tips to avoid the hassle for your small business. http://bit.ly/2JU77tn

financialhotspot.com Good preparation is the key to keeping your business on track and avoiding and IRS audit.

Warren Buffett, who is ranked 3rd richest in the world. Did you know he bought his first stock at 11 and filed taxes at 13?

Quick Tip: Scammers using spoofing technology during tax season

Don't get duped! The IRS will never call you to demand immediate payments - this is a spoofing tactic used to scare people into scams. If you are worried about your standing with the IRS contact us for help! https://abc7.ws/2J1sDLc

abc7chicago.com Quick Tip: Scammers using spoofing technology during tax season

Tips for Combining Your Finances: #GOALS - Establish goals so you can each do your part to work toward them together.

3 Simple Ways to Improve Opportunities for Female Advisors | ThinkAdvisor

Are you an aspiring female advisor? Here are some steps to improve more opportunities. http://bit.ly/2KZSZQw

thinkadvisor.com Half of the U.S. population is female, so why are less than 20% of advisors women? We need to get serious to change this. Here's how.

Can Millennials Count on Social Security? | www.financialhotspot.com

If you are a Millennial and are concerned that social security benefits may not be there waiting for you when you retire, you are not alone: according to a 2017 Annual Transamerica Retirement Survey, 80 percent of Millennials share your concern. https://financialhotspot.com/2019/05/07/can-millennials-count-on-receiving-social-security-benefits/

financialhotspot.com If you are a Millennial and are concerned that social security benefits may not be there waiting for you when you retire, you are not alone.

Crush Debt Fast (While Staying Motivated)

This podcast talks about different approaches to becoming debt free. Set that goal now! https://n.pr/2IGB0g4

npr.org There's a moment when the alarm bells ring and you realize you're thousands of dollars in the red. Want to dig out fast? Welcome to the X Games of escaping debt, in which you shut down almost all your spending, take on a side job, endure the most extreme steps you can on a gritty marathon to a bette...

50 Personal Finance Tips That Will Change the Way You Think About Money

Are you ready to change how you think about money? Here are 50 tips to get you started. https://muse.cm/2OtwaWC

themuse.com 50 Personal Finance Tips That Will Change the Way You Think About Money: Want to have the best money life ever? Here's w...

Top 10 Most Common Financial Mistakes

There are many factors that lead to financial hardship - here are 10 mistakes to avoid in your day to day life. Expert guidance can also go a long way in securing your future - call us today. http://bit.ly/2HYr2FH

investopedia.com Choose fortune over disaster by avoiding money traps. Avoiding some of the most common financial mistakes is how you get a handle on your finances and make smarter financial decisions.

Debt Consolidation – Useful Service or Potential Hazard? | www.financialhotspot.com

Perhaps you’re making your monthly payments on time each month, but it just isn’t making a dent in your total debt balance overall. This can be very frustrating and lead you to search for solutions. http://bit.ly/2V3K84V

financialhotspot.com In today's debt driven society many of us are buried in quite a lot of consumer debt. Perhaps you're making your monthly payments on time each month, but it just isn't making a dent in

Tips for Combining Your Finances: Deciding up front who is responsible for certain bills is a great way to ensure assumptions don't lead to late payments or disagreements later on!

Taxes In Retirement

Plan your retirement right. You don't want a big chunk of your vacation funds taken out as taxes, right? http://bit.ly/2I1nKBl

forbes.com Taxes are one of the biggest expenses in retirement. How can you qualify for as many breaks as possible?

Manage Your Personal Finances By Hiring An Accountant - MoneyShareForum.com

Having a personal accountant offers many benefits. How do you know when it's time to bring in an expert? http://bit.ly/2HZbMIE

moneyshareforum.com A great way to manage your personal finances is by hiring an accountant. Accountants can…

Q&A Tuesdays
What are some of the recommended books to learn more about finance?

Good Advice: Tips From Successful Small Business Owners -

Starting or growing a small business can be tough - here are some tips from those who made it work. http://bit.ly/2Mkdpis

sba.thehartford.com Many long-time small business owners would agree with the line from the 1970s song by the band Faces: “I wish that I knew what I know now.” Over years of running a small business, owners inevitably gather many lessons about how to grow and run a business more effectively. Thankfully, many of the...

Five Important Side Effects of Student Loan Debt to Consider | www.financialhotspot.com

This article explores some of the “side effects” of the student loan debt crisis. http://bit.ly/2V29yjk

financialhotspot.com It's no secret that student loan debt is on the rise, and at this point many are using the term, "student loan debt crisis" to refer to the stratospheric levels of debt that have been amassed in recent years. Current estimates put the national student debt total in the United States at over 1.3 tril...

4 Ways Delegating Can Grow Your Business -

We know it can be hard to "let go" - here are 4 reasons to work on delegating to grow your small business. http://bit.ly/2I0yksE

sba.thehartford.com As a small business owner, you need to be working on your business, not in your business. Making calculated, strategic moves is the key to success and you’re not able to do that if you’re knee-deep in handling the day-to-day details. Many small business owners believe it’s challenging to grow ...

4 Psychological Tricks That Can Banish Bad Money Habits

Having a hard time sticking to your budget? There may not be a magic solution but these 4 psychological tricks could help! http://bit.ly/2I15I28

forbes.com A handful of scientifically proven strategies to be a better financial version of yourself than you ever thought possible.

Stop asking 'how are you?' Harvard researchers say this is what successful people do when making small talk

Business Small Talk: Ask the right questions. Harvard researchers give tips on how to create meaningful conversation. https://cnb.cx/2HVzw0l

cnbc.com Next time you're in the elevator with your boss, avoid using the three most useless words in the world of communication: "How are you?" — and you'll be amazed by where the conversation goes.

7 Best Ways to Keep Your Money Safe When Traveling

Planning a trip? Here are 7 ways to keep your money safe while traveling - #4 could save you from a dangerous situation! http://bit.ly/2I0tRGf

moneycrashers.com Ready to go on vacation? Make sure your trip doesn't turn into a financial disaster by following these tips to keep your money safe while traveling.

Five Top Facts About Student Loans You May Not Have Heard | www.financialhotspot.com

Student loan debt is an ongoing crisis in America, with outstanding student debt exceeding 1.3 trillion dollars. http://bit.ly/2GK6FK9

financialhotspot.com Student loan debt is an ongoing crisis in America, with outstanding student debt exceeding 1.3 trillion dollars. This is an increase of two and a half times what it was just ten years ago. This increase is due to a variety of factors. Foremost among these factors is the steadily increasing cost of h...

2019 dates and numbers every freelancers must know

Are you a freelancer or thinking about becoming one? Make sure you mark these very important dates on your calendar! We're here to help! http://bit.ly/2uIrCjb

blog.freelancersunion.org Everything you need to put on your calendar for taxes, retirement, and healthcare enrollment this year.

Identity theft: 7 ways to protect yourself from cybercriminals

Cybercriminals will steal an estimated 33 billion records by 2023 - here are 7 ways to protect yourself. http://bit.ly/2uA7hwg

usatoday.com Cybercriminals will steal an estimated 33 billion records by 2023, according to Juniper Research. Here's how to protect yourself.

67% of wealthy people limit their TV time to >1 hour a day. Using your free time to expand your mind or knowledge is always a great idea - you could read up on finances and get some tips to grow your wealth. Or you could read a novel and leave the finances to us!

Does the Budget You Have Reflect Your Personality?

What does your personal budgeting style say about you? We all know someone who is a #3 http://bit.ly/2uJNdaE

thebalance.com Your budget says a lot about you as a person and how you face life's challenges. Learn what your budget (or lack of one) might be saying about you.