Financial Common Sense
Thursday, April 29th, 2010
We believe so strongly that having a basic budget can change your life for the better, that we’re giving away our budgeting software for free.
Makes budgeting simple. Find out where you spend your money, reduce your spending and save for that great vacation or spa treatment.
Click to download: http://www.libertiny.com/libertinyfinancial3/libertiny_financial_simple_family_budget_2_2.xls
Wednesday, April 28th, 2010
How much of a difference does paying an extra $10 or even $100 per month make in reducing the time to pay off your loan. Should you pay off your loan?
These are some of the questions that you can answer with our loan analysis software.
Download it for free here:
http://www.libertinyfinancial.com/libertiny_financial_loan_analysis_1_1.xls
Friday, April 23rd, 2010
If you’re looking for a job or someone has contacted you and asked you to join their firm a variety of questions tend to cross our minds:
The last issue is generally comprised of Salary, Bonus, and Benefits. With the cost of benefits continuing to escalate much faster than inflation, the quality and financial value of your benefits need to be a part of your financial analysis.
Here are the 4 steps needed to make a well informed, apples-to-apples comparison of the total compensation being offered.
Monday, April 12th, 2010
On 2008 July 18 we wrote an article for Business Week’s “Business Exchange” about predicting the stock market prior to, during and after U.S. elections. Here are the final results for the year after President Obama was elected (2009).
Here’s What We Said on 2008 July 18
Around this time every US election cycle you start hearing words like “the stock market always goes up after an election” or “the start market always goes down after an election.” As we’ve all suspected, it’s a bit more complicated than that. These “rules of thumb” don’t really apply in their generality, but you can make some strategic plans on when you likely should be in the market and when would be a good time to sit out of the market if you are a low risk investor.
Our final conclusions? Read on…
Thursday, June 11th, 2009
Who cares about perks during a recession? The recession is not going to last for ever. By implementing a retirement plan today, you’re establishing a strategy to retain your best employees when the going gets good again.
While an entire article can be written on the direct financial benefits of having a retirement plan in place for the business owner, this article addresses an equally important issue known as “R2″: Recruiting and Retention of key employees. Key employees are the very few people who are critical to the growth and success of your business–your associate rainmaker, the 20% who are doing 80% of the work, and your customer service representative who is the voice, smile, and face of your business.
