Can Smart Tech Help Save You Money?

by Sean Bryant on December 15, 2017

Smart Technology

Whether you own a small business or you’re just trying to tighten the family budget, different digital tools can help maximize your time and energy. It’s not always easy – or financially viable – to do a complete tech makeover.  But with a critical eye towards improving efficiency, productivity and cost utilization, a few “smart” solutions can go a long way in terms of boosting your savings each month. Read on for a few tips on where to start.

Embracing Business Automation

At the helm of a small operation, you’re tasked with finding a way to go the extra mile without spending extra money. Consider the benefits of different digital tactics – don’t waste time and resources trying to manage social media, marketing and customer engagement across different platforms using traditional methods. Software automation can reap great rewards; try automated email marketing or automated customer recommendations to start. Take advantage of systems that post to social media, respond to emails and assist customers with basic questions and concerns. You’ll never be able to replace an entire staff, but you can automate more menial business tasks to free up valuable employee time to devote elsewhere.

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A Very, Merry DIY Christmas Party

by Samantha Bryant on December 13, 2017

DIY Christmas Party

This article is be contributed by my wife, Samantha Bryant.  Samantha is president of Samantha Bryant PR a Denver, Colorado based public relations consultancy.   

Are you dreaming of a “DIY” holiday party? You are in luck. There are many ways to save money this holiday season, especially when it comes to ringing in the holiday cheer. Throw a Christmas party that even Martha Stewart will be in awe of, with the best in décor, food and fun – all staying within a DIY budget. Check out the below Christmas party ideas:

Holiday Party Food for Everyone’s Taste Buds

You will be sure to be on Santa’s nice list with a variety of simple Christmas party food options for guests to munch on. Something so delicious can be so very simple to make yourself. Who needs a caterer when you can easily whip up some fun appetizers from the comfort of your own kitchen?

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How Long Do Collections Stay on Your Credit Report?

by Lucy Oake on December 12, 2017

How Long Do Collections Stay on Your Credit Report?

Your credit score is a direct reflection of your credit report. It’s considered an important measure of your financial responsibility. Along with the number of accounts or loans you have, your payment history, and your total credit available, past collections are an important factor that credit companies consider when calculating your credit score.

If you have some less-than-perfect credit history, like an account that went to collections, it can bring your score down. But there are things you can do to take control of your own credit history so it doesn’t control you.


Most creditors will send your account to a debt collection agency if you haven’t made payments for several months. Once an account goes to collections, it gets listed on your credit report. It can stay there for up to seven years. So for the next seven years, future lenders will be able to see the details of the account as well as the fact that it went to collections.

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Smart Decisions For Family Wealth Planning

by Sean Bryant on December 8, 2017

Family Wealth Planning

The primary concern for many investors is the amount of wealth they can transfer to the next generation. Wealth planning is complicated since the process involves tax planning, investment decisions, and possibly a business succession plan. Use these tips to create an effective strategy to accumulate wealth for your family.

Family wealth planning

A long-term financial plan includes estate and succession planning, as well as an investment plan to accumulate assets for future generations. Here are several key components of a family wealth plan:

  • Investment planning: An investor must choose an investment portfolio based on a specific time horizon. It should also include the investor’s risk tolerance, and the cost of investing.
  • Estate tax planning: Individuals who accumulate a wealth of $5 million or more have an increased exposure to paying the estate tax when they pass away. A wealth plan must include strategies to minimize the impact of the estate tax.
  • Succession planning: The investor must determine how assets will be distributed at death, and who will receive the assets. If you own a business, you can put a buy-sell agreement in place, so that your interest in the company can be sold at death. The proceeds from the sale can be distributed to your heirs.

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What to Do When You Lose Your Wallet

What to Do When You Lose Your Wallet

If you’ve never had your wallet lost or stolen, count yourself lucky. Over a five-year period, one out of every ten people will lose their wallet. Replacing debit and credit cards after a wallet is stolen takes an average of 110 hours, equivalent to four-and-a-half days. Meanwhile, thieves can be using your credit cards and impersonating you to commit crimes.

Fortunately, there are some steps you can take to protect your financial and personal data after your wallet is stolen. Here are four things you should do if you find your wallet is missing or stolen, along with some preventive measures to take to minimize the damage from losing your wallet.

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5 Steps for Your Year-End Portfolio and Investment Checkup

December 4, 2017
Investment Checkuo

With the end of the year approaching and tax season also starting to creep up, now is a good time for investors to think about their portfolios and overall savings and investing approach. It’s important to monitor your progress toward your financial goals and make sure your investments are working for you. In between your […]

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5 Ways to Tackle Your Student Loans with a Low-Paying Job

November 28, 2017
Student Loans With Low Paying Job

For many young adults, student loans are a necessary part of getting a good education. But a good education doesn’t always translate to a higher salary. Lots of people have to work with lower-than-desired incomes: like if you’re fresh out of school and still gaining experience, or in an industry like education that doesn’t always […]

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