We’ve all heard of the cache phrase “Time is Money!” Well, that’s not always true. However, for an employee who’s paid by the hour, time is literally money. So as a business owner, managing your time and managing your money are almost the same thing!

I’m not saying that all employees are dishonest, but some will do everything they can to do what we like to call, “Milking the Clock.”

Back in the day I had a job working at an airport just outside of Silver City New Mexico. It was a summer job which had me doing runway maintenance, washing and waxing planes and refueling slurry bombers as they came in from their fire runs. As a high school kid, it was a pretty sweet gig.

For most people, doing all they can to help others out is a top concern. There are a number of things that can be done to help a loved one in need. In some cases, a loved one will need a bit of help when it comes to getting a loan. In cases like this, you may be able to cosign on the loan and help them get approved. Before you put yourself on a loan with another person, you need to do a bit of research. Here are a few things that you have to consider before you cosign on a loan.

What Are the Risks?

The first thing you have to think about before putting your name on a loan is getting a good idea of what the risks are. By finding out what may happen should the person not pay the loans, you will be able to avoid getting yourself in a financial mess. Usually, the lender that is helping out will be able to get you a breakdown of what you cosigning the loan will obligate you to. By finding out this information, you will be able to make an educated decision on whether or not to help.

Financial planning can be a rewarding, interesting, and profitable career. If you want to follow in the footsteps of successfully financial security advisors such as Robert Yancovitch, you’re going to need to take stock of whether you have what it takes to earn the credentials. More than that, you’ll have to decide whether you have the type of personality that is best suited to being more than just a financial security advisor. After all, if you are going to do it, why not strive to be at truly great one!

There is nothing simple about running a small business. With all of the different things that have to be kept up with, being the owner of a business can be a very tough job…in fact, it can be a “more than full time job,” if you know what I mean. One of the biggest struggles most new business owners will have is in regards to their bookkeeping. Finding the right way to keep a business’s finances straight will allow the business owner to stay out of harm’s way when it comes to filing a . Here are a few simple tips to use when trying to keep your small business finances straight.

I’m not a big lottery player, in fact, I don’t play the lottery at all. I think I’ve purchased a total of less than ten scratcher tickets in my entire lifetime and am pretty sure that I’m in the positive on my winnings. Although I wouldn’t turn down any winnings that came my way, I don’t want to leave my future up to chance. Quite frankly, I seldom win things like door prizes, free trips or anything of that nature. My past has taught me that if I want to win, I have to work for it.

However, if you are someone who has a lucky bone in their body and is good at winning things such as lotteries and drawings, you might find yourself the recipient of a large some of money in the near or distant future.

When that happens, here’s an infographic I stumbled upon that might help you in your adjustment to life after winning the lottery.

One of my biggest stresses in this digital age is having to deal with all the different file types out there. It seems like every big brand wants to create a better file type than everyone else, and really all they end up doing is making things more difficult for the consumers who use all types of different devices. For example, in just video files we have a WMV, MOV, MP4, MTS, and the list goes on and on.

With that said, I’ve got a treat for you all today. I am giving away TEN free licenses for a video converter that takes the hassle out of swapping videos from one format to the next, MacX Video Pro. Content details will follow this post, so be sure to read through to the end.