13 Tools to Move Your Business to the Cloud

As a small business owner, I’ve grown accustomed to being a jack-of-all-trades. I keep the books, invoice customers, maintain my blogs and websites, all while trying to grow my business. When I first started making money online way back in 2007, I didn’t give much thought to the nuts and bolts of a business. I […]


Is Online Banking Safe?

We all bank online despite daily reports of hackers. So is online banking safe? We have the answers, along with ways to protect your money. I‘ve banked online for years. First my brick and mortar bank went online. Then I opened several accounts with online banks that don’t have branches. My guess is you bank […]


Bonds vs. Stocks—Which is Riskier?

Bonds are riskier than stocks for long term investors. Here’s why. We’ve all heard it a thousand times–stocks are riskier than bonds. This mantra has prompted many young people to swear off stock investments in favor of “safer” bonds and even certificates of deposit. And the result is a far, far riskier approach to investing […]


How to Max Out Your Retirement Savings

Max out your retirement savings with these 7 tips I‘ve often wondered if the Apostle Paul was bad with his money. Yes, I’m talking about the guy that wrote most of the New Testament. In his letter to the church in Rome, Paul lamented that the things he wanted to do he doesn’t, and the […]


Quarterly Estimated Taxes: Due Dates and Payment Strategies

Due you owe quarterly income tax? If you do, don’t miss the estimated tax deadline. There are a lot of things to like about being self-employed. Estimated taxes is not one of them. If you are self-employed, a freelancer, or earn other income that is not subject to withholdings, paying state and federal estimated taxes […]


A Complete Guide to Roth 401k Conversions

Now anybody can convert an existing 401k into a Roth 401k, so long as your employer offers the Roth alternative. Roth IRAs have been a popular form of retirement savings for some time. And while there are income limitations that prevent higher income workers from opening a Roth IRA, since 2010 these limitations have been […]