Author Archives: HopeToRetire

Finding Your Desire

I started reading Think and Grow Rich by Napoleon Hill this weekend. Last week was a difficult week in my journey, so I needed an uplifting book. I have seen numerous posts in the past where this book has been credited with … Continue reading

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Writing A Business Plan

Your business plan is a document that: Describes your new or existing business Defines your customer’s needs and your ability to meet them Examines your competitors strengths and weaknesses Addresses barriers to success Details marketing strategy to get your share … Continue reading

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My First 30 Days Working For Myself

Now that I have started a business, what do I do next? I would love to spend the summer with the wife and kids, but need to earn $3,000 in May. The summer is typically a slower season for accountants. … Continue reading

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Trend Analysis In Sales Forecasting

Plato once said “a good decision is based on knowledge and not on numbers.”  That stood for approximately 2,400 years, but I do not believe that is the case anymore. We can use numbers coupled with knowledge to guide our … Continue reading

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Credit Utilization Rate

As mentioned in a previous post, 30% of your FICO credit score is based on your credit utilization rate. If you have a $2,000 balance on your credit cards and a total credit limit of $5,000, your credit utilization rate … Continue reading

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Managing Credit Responsibly

I have very good credit now, my current FICO score is 821. This has allowed me to finance used cars below 3.9% APR or obtain credit cards if needed. I only have 3 cards currently, a Discover, Master Card and … Continue reading

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Closing The Income Gap In Starting a Business

I started a business, but I do not make enough money to pay the bills. Now what do I do? Considering tax preparation is my primary income driver, leaving a stable (but disliked) job the day after tax season ended, … Continue reading

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Advantages and Disadvantages of a Limited Liability Company

What entity structure do you choose? A lot of the time a Limited Liability Company is a good fit, but make sure you know and trust your partners. Below are some advantages and disadvantages. Advantages A limited liability company can have … Continue reading

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Email List Building and Marketing for Bloggers

What do Pat Flynn (Smart Passive Income), Brian Clark (CopyBlogger),and Nathan Hangen (Kissmetrics) have in common? They recognize and promote the importance of email marketing! Pat Flynn even created a 34 page free eBook all about email marketing in order to … Continue reading

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Husband and Wife LLC Operating Agreement

If you share a business with your husband or wife, you should have a written agreement to protect your interests. OPERATING AGREEMENT Date: Parties: The parties to this agreement (the “members”), who are husband and wife, are entering into this … Continue reading

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