Archive for Individual
Investments - Risk and Return
When you borrow money from a bank, they require you to pay it back over a certain time period. They also require you to pay interest, the amount over and above the principal that you borrowed. The bank expects the interest to exceed inflation, cover any costs of servicing the loan, and make a little [...]
Using Your 401k to It’s Fullest Advantage
Historically, your retirement savings were comprised of three legs: social security, pension, and personal savings. The belief was that these amounts would be equal and would replace a certain percentage of your working income to provide you with enough money to sustain your lifestyle after retirement.
Somewhere along the way in the last twenty or so [...]
Accounting for Government Contracts
If you are planning to have the U.S. Government as a client, you will need to have your accounting systems set up so you can handle their accounting requirements. Regardless of whether you are engaging in a plain vanilla contract or an SBIR grant, you will be required to negotiate fringe benefit rates, overhead rates, [...]
Deck Design
In my spare time, I am having a deck built. The Trex site has a cool deck designer that you can use to build your deck. It allows you to put in the dimensions, different shapes, steps, railings and then receive a print out with all the specs at the end. I am having a [...]
Insurance and the Employee Handbook
If you decide to purchase D&O insurance, you will need to provide employment practices information on your application. Most of the questions on the application will revolve around your employment handbook.
In general, the sections required for your insurance will be:
Legally Prohibited Discrimination
Sexual Harassment
Compliance with the Americans with Disabilities Act
Compliance with the 1991 Civil Rights Act
Compliance [...]
