Tag: Goals

How To Start A Business In Colorado

Posted by Linda Clevenger — May 13, 2023 in Business

There are many reasons to start a business in Colorado. The state offers a great quality of life, a strong economy, and a supportive business environment. Colorado is also a great place to start a business if you’re an outdoorsy type, as the state is home to some of the best skiing and hiking in the country.

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If you’re thinking of starting a business in Colorado, the first step is to choose the right business structure. Will you be a sole proprietor, partnership, limited liability company (LLC), or corporation? Each has its own advantages and disadvantages, so it’s important to choose the right one for your business.

Once you’ve chosen your business structure, you’ll need to obtain the necessary licenses and permits. Depending on your business, you may need to get a sales tax license, a business license, or both. You can get more information on licenses and permits from the Colorado Department of Revenue.

Next, you’ll need to find a good location for your business. This is especially important if you’re starting a retail business, as foot traffic can make or break your business. Once you’ve found a good location, you’ll need to sign a lease or purchase the property.

Once you have your business location sorted out, you’ll need to start thinking about marketing. How will you let potential customers know about your business? Traditional marketing methods like print advertising, radio, and television can be expensive, so you may want to focus on online marketing methods like search engine optimization (SEO) and social media.

Last but not least, you’ll need to put together a business plan. This document will outline your business goals, strategies, and financial projections. It’s essential to have a business plan if you want to secure funding from investors or lenders.

Starting a business in Colorado is a great way to achieve your entrepreneurial dreams. With a little planning and hard work, you can be on your way to success.

Posted by Linda Clevenger — May 13, 2023 in Business

Business partnerships are a bit like marriages. They can be incredibly rewarding, but they also come with their fair share of challenges. If you’re thinking of entering into a business partnership, there are a few things you should keep in mind to help ensure your partnership is a success.

First, it’s important to choose your partner carefully. This is someone you’ll be spending a lot of time with, so it’s important that you get along well and share similar values. It’s also important to make sure that your partner is someone you can trust. This person will have access to your finances and your business secrets, so you need to be sure you can trust them implicitly.

Once you’ve found the right partner, it’s important to set some ground rules. You’ll need to decide how decisions will be made, how profits will be split, and what will happen if one of you wants to leave the partnership. It’s best to put all of this in writing in a partnership agreement. This will help prevent any misunderstandings down the road.

Of course, even the best partnerships can run into challenges. If you find yourself disagreeing with your partner, it’s important to communicate openly and honestly. Try to avoid getting into shouting matches or name-calling; instead, calmly explain your point of view and listen to your partner’s perspective. It’s also important to be willing to compromise.

If you follow these tips, you’ll be on your way to a successful business partnership. Just remember to choose your partner carefully, communicate openly, and be willing to compromise. With a little effort, you can form a partnership that will last for years to come.

One of the most important aspects of any business is the partnership between the owners. A strong partnership can mean the difference between a successful business and one that struggles. Here are a few tips on how to form a successful business partnership:

Define the roles of each partner.

Each partner should have a clear understanding of their role within the business. This will help to avoid any confusion or conflict down the road.

Set clear goals.

Both partners should be in agreement about the goals of the business. These goals should be realistic and achievable.

Communicate openly.

Effective communication is essential in any partnership. Both partners should feel comfortable communicating their thoughts and ideas.

Respect each other.

It’s important that both partners respect each othe’s opinions and ideas. Even if you don’t always agree, it’s important to show respect for your partner’s point of view.

Trust each other.

The foundation of any strong partnership is trust. Both partners should be able to trust each other to fulfill their roles within the business.

By following these tips, you can form a strong and successful partnership that will help your business thrive.

Posted by Linda Clevenger — May 12, 2023 in Business

Are you looking for ways to make the most of your virtual assistant services? If so, you’re in luck! Here are 10 tips to help you get the most out of your virtual assistant.

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Be prepared to learn. virtual assistants must have a great understanding of the company’s mission and goals in order to provide the best possible service. If you’re not prepared to learn about the company and its products, your virtual assistant won’t be a good fit.

Be friendly and professional. If you’re not friendly and professional, your virtual assistant will be less likely to want to work with you.

Be prepared to work hard. virtual assistants work long hours and must be able to stay on top of their responsibilities.

Be patient. If you’re not patient, your virtual assistant will eventually become frustrated with you.

Have a good attitude. You should have a good attitude in order to be a good virtual assistant.

Be prepared to learn. virtual assistants must have a great understanding of the company’s mission and goals in order to provide the best possible service. If you’re not prepared to learn about the company and its products, your virtual assistant won’t be a good fit.

Be prepared to work long hours. virtual assistants work long hours and must be able to stay on top of their responsibilities.

Be prepared to learn new things. virtual assistants must be prepared to learn new things in order to be a good fit for the company.

Be prepared to take initiative. If you don’t take initiative, your virtual assistant will become frustrated with you.

Be prepared to be a team player. If you’re not a team player, your virtual assistant will not want to work with you.

Posted by Linda Clevenger — May 12, 2023 in Learning

If you’re looking to take your career to the next level, you need a mentor. A mentor is someone who has gone before you and knows what they’re talking about. They can give you advice on what to do, how to do it, and how to be successful.

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Not only do mentors provide valuable advice, but they can also give you feedback and help you grow. A mentor can also show you how to achieve your goals, and how to be successful in the industry you want to be in.

If you’re looking for a mentor, don’t hesitate to ask around. There are plenty of people out there who can help you reach your goals.

Are you feeling lost and unsure of where to start in your career? or maybe you’re just looking for some guidance and support? If so, check out The Benefits of Having a Mentor, a blog post by our friends at The Careerist.

Mentors can be incredibly powerful resources for anyone looking to get started in their career. They can provide guidance and support on the right paths, offer some great advice on how to improve upon what they’ve learned, and importantly, they can come with a wealth of experience, knowledge, and wisdom to share.

If you’re looking for a mentor that can help you reach your goals, then take a look at The Benefits of having a mentor. It’s a great way to gain some valuable insights, tips, and advice from some of the most experienced and successful people in the world. And if you’re feeling lost and uncertain of where to start, then a mentor can be the perfect starting point.

There are many benefits to having a mentor. Mentors can provide valuable advice, guidance, and support. They can also help to build self-esteem and confidence. Mentors can also help to promote the growth and development of their mentee. Mentors can also provide support in times of need.

There are a number of benefits to having a mentor. They can provide valuable feedback and advice, can provide you with support when you need it, and can teach you how to be a better person. Mentors can also be a great resource for finding new jobs or starting a new career.

Posted by Linda Clevenger — May 10, 2023 in Podcast

When starting a podcast, one of the most important decisions you will make is which format to choose. There are a few different types of podcasts that you can start:

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podcasts that are audio only: These podcasts are made to be listened to directly, without any need for an intermediary such as a podcast player.

podcasts that are video only: These podcasts are made to be viewed on a computer or phone, with no need for an intermediary such as a player.

podcasts that are both audio and video: This type of podcast is commonly referred to as a podcasting mix.

There are a few different types of podcasts that you can start, but the key thing to remember is to find one that is interesting to you and that you can commit to listening to.

Podcasting is a great way to build a community around your message and reach a wider audience. It’s a great way to get people engaged and to build a following. Here’s a beginner’s guide to starting your very own podcast.

There are a number of ways to start a podcast, but the most popular approach is to create an online show. Once you have a show up and running, you can then start looking for sponsors and begin marketing your show.

There are a few things you need to consider before starting a podcast:

What are your goals for your show?

Are you looking to build a following and promote your show? Or are you just starting out and want to create a podcast for your own enjoyment?

Do you have a clear target audience?

Do you want to podcast to people who are already interested in radio or podcasts? Or are you looking to target a specific audience, like business people or young people?

What are the resources you need?

Do you have any microphones, software, or other equipment? Or do you need to find a broadcaster or podcast service?

How long will it take you to produce your show?

Do you have a set schedule in mind, or do you want to do a mix of episodes every week?

Are you comfortable with editing your own show?

Do you have a editing software or a microphone?

Are you comfortable with promoting your show?

Do you have any marketing plans in place?

Are you comfortable with public speaking?

Do you have any done-for-you speaking tips?

Are you comfortable with marketing your show?

Do you have any marketing campaigns in place?

Are you comfortable with working with other people?

Do you have any team members who are interested in podcasting?

Are you comfortable with marketing your show?

Do you have any marketing campaigns in place?

Posted by Linda Clevenger — May 10, 2023 in Affiliate Marketing

There are many effective affiliate marketing strategies that you can use to help you achieve your marketing goals. Here are a few of the most common ones:

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Use paid search engines: Paid search engines are a great way to find new potential customers. You can use them to find keywords that your potential customers may be interested in, and then use those keywords to promote your content on other websites.

Use social media: Social media is a great way to connect with potential customers. You can use it to promote your content, connect with other businesses, and find new potential customers.

Use email marketing: Email marketing is a great way to reach new potential customers. You can use it to promote your content, connect with other businesses, and find new potential customers.

There are many other effective affiliate marketing strategies that you can use, and it really depends on your marketing goals and preferences. If you want to achieve your marketing goals, you should experiment with a few different strategies and see what works best for you.

Are you looking for ways to make more money through affiliate marketing? If so, you’re in luck! There are a number of effective methods you can use to make money through affiliate marketing, and here are a few of the most popular and effective ones.

Rely on price-point advantages: By appealing to a specific price point, you can generate more leads and sales than if you didn’t include a particular offer. For example, if you have a special promotion that’s only available to customers who make a purchase at a certain price, you can generate more sales by appealing to that price point than if you didn’t.

Use social media to your advantage: By using social media to promote your affiliate marketing campaign, you can reach a larger audience than if you didn’t use it. For example, if you’re marketing through Facebook, you can reach a larger audience by advertising your campaign on the site.

Use targeted ads: By targeting your audience with targeted ads, you can generate more leads and sales than if you didn’t target them. For example, you can target your potential customers based on their interests, or their location.

Use marketing mix optimization: By using marketing mix optimization, you can improve the effectiveness of your affiliate marketing campaign. For example, you can adjust your offer to better describe your product or service, or adjust your price point to attract more customers.

Use search engine optimization: By optimizing your website for search engines, you can improve your visibility and results on the web. For example, you can improve your title, meta descriptions, and headings to better reflect your product or service.

Posted by Linda Clevenger — May 5, 2023 in Jobs

No matter what industry you work in, being a team player is essential to success. Whether you’re working on a small team of three or a large team of thirty, being able to work together efficiently is key to meeting deadlines, achieving goals, and maintaining a positive work environment. If you’re not sure how to be a team player at work, here are a few tips:

Communicate openly and often.

One of the most important things you can do as a team player is communicate openly and often with your team members. This means being clear about what your goals and expectations are, as well as being open to hearing about the goals and expectations of others. It’s also important to keep the lines of communication open so that everyone is aware of what’s going on and can provide input and feedback.

Be willing to compromise.

In any team situation, there will inevitably be times when you have to compromise in order to move forward. If you’re not willing to do this, it will be difficult to be a team player. Remember that the goal is to achieve the best possible outcome for the team as a whole, not just for yourself.

Be supportive.

A good team player is someone who is supportive of their teammates. This means being willing to lend a helping hand when needed, offering encouragement and positive feedback, and being understanding and patient. It’s important to remember that everyone has different strengths and weaknesses, and it’s okay to ask for help when you need it.

Be flexible.

Flexibility is another important quality of a good team player. Things change, and you need to be able to adapt to those changes. This might mean being willing to switch roles or responsibilities, or it might mean being open to trying new things. The important thing is to be flexible and go with the flow.

Be positive.

It’s easy to get bogged down in the negative when things aren’t going the way you want them to, but it’s important to stay positive. As a team player, you need to be able to see the potential in every situation and believe that things will work out for the best. Positivity is contagious, so by staying positive, you can help to keep the whole team in good spirits.

Being a team player at work is essential to success. By following these tips, you can be a positive, supportive, and flexible team player who helps to achieve great things.

Posted by Linda Clevenger — May 5, 2023 in Software

There are endless possibilities when it comes to organization and planning, but nothing beats a well-planned and efficient project. Trello is a popular project management tool that can help you streamline your process by automating your tasks and making it easy to communicate and collaborate.

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With Trello, you can easily track your progress, plan and track your tasks, and share your updates with your team. You can also use Trello to organize your materials and resources, and keep track of your work schedule.

If you’re looking for a tool that can help you manage your projects effectively and efficiently, Trello is the perfect choice.

If you’re looking for an easy way to manage your projects, Trello is a great choice. With Trello, you can easily create and track project updates, tasks, and goals. Plus, Trello is free to use, so you can start managing your projects today.

Aboard any project, it’s important to have a clear, concise plan of action. But what if you don’t have time to create a plan? Trello makes creating a plan simple and easy. With Trello, you can keep track of your progress, deadlines, and tasks in one place. Plus, Trello makes it easy to collaborate with others on projects. By using Trello, you can easily manage your project and make sure it meets all your deadlines.

When it comes to project management, one of the best tools to have at your disposal is Trello. Trello is a user-friendly board game that can be used to track progress on a project. This can be a great way to keep track of tasks and ensure that any changes or updates to the project are made quickly and correctly.

One of the great things about using Trello is that it is easy to add features. This can include new tasks, projects, or goals. Additionally, Trello can be used to communicate with other team members. This can be a great way to share ideas and updates while still keeping everything organized and manageable.

Overall, Trello is a great tool for project management and can help keep everything on track.

Posted by Linda Clevenger — May 4, 2023 in Social

You are not a average person. You have unique experiences and unique talents that make you special. You get to do things that you never thought possible and you have a wealth of experience that makes you smarter and wiser than most people. You get to feel lucky every day.

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If you’re anything like most people, you probably feel lucky every day. You get good things, you make friends, you get what you want. But what if you could change that? What if you could be happy every day, no matter what?

There is a way to be happy every day, and it starts with feeling lucky. You can do this by setting realistic goals, by enjoying the small things in your life, and by being grateful for all the good things that happen to you.

If you start to do these things, you’ll start to feel more positive and grateful for the good in your life, and you’ll be able to find happiness even when things are tough. So why not start your day by feeling lucky? It’s an easy way to start your day off on the right foot and to stay happy all day long.

How to feel lucky every day is a simple, yet deep, approach to living a happy and fulfilled life. By following these simple steps, you can develop a sense of gratitude for everything in your life, and begin to embrace the lucky attitude that will help you live a life of joy.

Here are a few tips to help you feel lucky every day:

Set small goals and achieve them regularly.

By setting small goals and achieving them regularly, you will begin to feel like you are making progress and taking steps towards your larger goal. This will help you feel more motivated and motivated to keep going, and help you feel more confident about your ability to achieve your goals.

Appreciate the good in your life.

By appreciating the good in your life, you will begin to feel more positive and positive outlook on life. This will help you live a happier and more fulfilling life.

Have a sense of humor.

A sense of humor is a great way to keep yourself positive and upbeat. By having a sense of humor, you will be less likely to feel upset or down about the current situation. This will help you stay positive and optimistic in the face of difficult challenges.

Take action.

Taking action is another great way to feel lucky every day. By taking action, you will be making strides towards your larger goal. This will help you feel more motivated and optimistic about your ability to achieve your goals.

Believe in yourself.

Believe in yourself and your abilities. By doing this, you will start to feel more confident and motivated. This will help you feel more positive about your life and your ability to achieve your goals.

Posted by Linda Clevenger — April 17, 2023 in Shopping

When you’re looking for a great deal, the last thing you want is to be scammed. Unfortunately, there are a lot of scams out there when it comes to buy one get one free deals. But don’t worry, we’re here to help you avoid them!

Here are some tips to help you spot a buy one get one free scam:

Check the fine print: A lot of times, scammers will try to hide the fact that there are actually two items for sale by burying the information in the fine print. So, before you buy, make sure you read all the details carefully.

Look for red flags: If something seems too good to be true, it probably is. Be on the lookout for things like unrealistic claims, pressure to buy now, and offers that are only available for a limited time. These are all red flags that should make you suspicious.

Do your research: Before you buy anything, do some research to see if others have had a good or bad experience with the company. You can do this by checking online reviews or asking people you know.

Know your rights: Familiarize yourself with your consumer rights so you know what you’re entitled to if you do end up being scammed. That way, you’ll know what to do if it happens to you.

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By following these tips, you can avoid being scammed when looking for buy one get one free deals. Just remember to be cautious and always do your research before you buy!

When you see a buy one get one free offer, it can be tempting to jump at the chance to get two products for the price of one. However, you need to be careful as there are many scams out there. Here are some tips to help you avoid being scammed:

Do your research: Check out reviews of the company and the product before you buy.

Read the fine print: Make sure you understand the terms and conditions of the deal.

Watch out for hidden fees: Some companies will charge you hidden fees, so make sure you are aware of all the costs before you buy.

Be wary of unrealistic claims: If the deal sounds too good to be true, it probably is.

By following these tips, you can avoid being scammed when you see a buy one get one free offer.

Posted by Linda Clevenger — April 5, 2023 in Jobs

The best way to inspire others as a CEO is to lead by example. Set the tone for your company culture and be the driving force behind your company’s vision. Be passionate about your work and build a strong team of leaders who share your vision. Communicate your vision clearly and concisely, and provide employees with the resources they need to succeed. Recognize and reward employees for their hard work and dedication. Finally, always be learning and growing as a leader, so that you can continue to inspire others.

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What are some tips for staying motivated as a CEO?

The best way to stay motivated as a CEO is to have a clear vision for your company and be passionate about your work. Stay focused on your goals and always be learning and growing as a leader. Additionally, it’s important to build a strong team of leaders who share your vision and can help you achieve your goals. Recognize and reward employees for their hard work and dedication, and create a company culture that is supportive and motivating.

The best way to inspire others as a CEO is to be a role model. Be someone who sets the tone for the company and who employees can look up to. Be a great communicator and motivator, and always keep your team focused on the company’s goals.

What are some qualities of a great CEO?

There are many qualities that make a great CEO, but some of the most important ones are:

– Being a great communicator

– Being a strong leader

– Being able to motivate others

– Having a clear vision for the company

– Being able to make tough decisions

– Being decisive

– Being able to handle stress

– Being a team player

What are some tips for being a successful CEO?

There are many things that you can do to be a successful CEO, but some of the most important things are:

– Set the tone for the company. Be the kind of person that you want your employees to be.

– Be a great communicator. Keep your team informed and motivated.

– Be a strong leader. Lead by example and make sure that your team knows what your vision for the company is.

– Be able to make tough decisions. When it comes to making tough decisions, trust your gut and don’t be afraid to make the tough call.

– Be decisive. Once you’ve made a decision, stick to it.

– Be able to handle stress. Stress is inevitable in any high-pressure job, but it’s important to be able to handle it in a healthy way.

– Be a team player. No CEO can be successful without a great team behind them.

Posted by Linda Clevenger — March 4, 2023 in Self Management

Self assessments can be a great way to get an overview of your strengths and weaknesses, and to identify areas that you need to work on. However, they can also be used as a way to improve your employability and career prospects.

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Here are some tips on how to use a self assessment to your advantage:

Use it as a way to reflect on your progress.

A self assessment can be a great way to track your progress over time. If you complete one at the start of your career, you can use it to reflect on how far you’ve come and the progress you’ve made. This can be a great motivator to keep developing your skills and progressing in your career.

Use it as a way to identify your strengths and weaknesses.

A self assessment can help you to identify your strengths and weaknesses. This can be useful in two ways. Firstly, it can help you to focus on developing your strengths. Secondly, it can help you to identify areas where you need to improve. Either way, this knowledge can be used to improve your employability and career prospects.

Use it as a way to set goals.

Once you’ve identified your strengths and weaknesses, you can use this information to set goals. These goals could be related to improving your weaknesses, or they could be related to developing your strengths. Either way, having specific goals can help you to focus your development efforts and improve your employability.

Use it as a way to create a development plan.

Once you’ve identified your goals, you can use your self assessment to create a development plan. This plan should detail the steps you need to take in order to achieve your goals. This plan can be used as a roadmap to help you focus your development efforts and make progress towards your goals.

Use it as a way to assess your development.

Once you’ve completed your development plan, you can use your self assessment to assess your progress. This will give you a good indication of whether or not you’re on track to achieve your goals. It can also help you to identify any areas where you need to make further development.

A self assessment can be a valuable tool for anyone looking to improve their employability or career prospects. By using it to reflect on your progress, identify your strengths and weaknesses, and set goals, you can use it to create a development plan and assess your progress. This can help you to focus your development efforts and make sure you’re on track to achieve your goals.

Posted by Linda Clevenger — March 4, 2023 in Motivations

It can be tough to stay motivated at work when you’re feeling stressed. You may feel like you’re just going through the motions, or that your work is never good enough. However, it’s important to find ways to stay motivated, because your job can have a big impact on your life.

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Here are some tips to help you stay motivated at work when you’re feeling stressed:

Find your purpose.

It can be easy to lose sight of your goals when you’re feeling stressed. However, it’s important to remember why you’re doing what you’re doing. What is your purpose? What difference are you trying to make? Keep your goals in mind, and let them inspire you to keep going.

Take a break.

If you’re feeling overwhelmed, it’s important to take a step back and take a break. Go for a walk, take a nap, or just step away from your work for a few minutes. You’ll come back feeling refreshed and ready to tackle your work with new energy.

Find a role model.

Look for someone who is doing what you want to do and who seems to be enjoying it. Talk to them about their experiences and learn from them. Seeing someone else succeed at what you’re striving for can be a great motivator.

Set small goals.

If you’re feeling stressed, it can be helpful to set small goals. Rather than thinking about all the work you have to do, focus on one task at a time. Completing small goals will give you a sense of accomplishment and keep you moving forward.

Take care of yourself.

It’s important to take care of yourself both physically and mentally. Make sure you’re eating healthy, exercising, and getting enough sleep. These things will help you feel your best and be able to handle stress.

Stress is a part of life, but it doesn’t have to control you. By finding ways to stay motivated, you can still enjoy your work and feel good about what you’re doing.

Posted by Linda Clevenger — February 25, 2023 in Furniture

We are a design group that specializes in user-centered design. What does that mean? It means that we focus on designing products and services that are easy and enjoyable to use. We believe that good design makes people’s lives better.

We’ve been in business for over 20 years, and in that time, we’ve worked on hundreds of projects with companies of all sizes, from startups to Fortune 500s. We’ve helped companies in a wide variety of industries, including technology, automotive, healthcare, financial services, and more.

User-centered design is our passion, and we believe that it’s the key to creating great products and services. We’re constantly exploring new ways to put users first, and we’re always looking for talented designers who share our passion.

If you’re interested in joining our team, or if you just want to learn more about what we do, we invite you to check out our blog. We’ve written about a wide range of topics related to user-centered design, and we’re always happy to answer any questions you might have.

Thanks for reading, and we hope to hear from you soon!

In the early days of the World Wide Web, designers focused on creating websites that were visually appealing and easy to navigate. However, as the web has become more complex, it’s become clear that simply making a website look good isn’t enough. In order to create a truly successful website, designers must focus on creating a user-centered design.

User-centered design is all about creating a website that is easy to use and meets the needs of the people who will be using it. This means taking into account the user’s needs, goals, and abilities when designing the website.

The Gia Design Group is a user-centered design firm that specializes in creating websites that are both beautiful and easy to use. We believe that user-centered design is the key to creating successful websites, and we strive to create designs that are both aesthetically pleasing and easy to navigate.

If you’re looking for a user-centered design firm to create a website for your business, we invite you to contact us today. We would be happy to discuss your needs and goals, and to show you how we can create a website that is both beautiful and user-friendly.

Posted by Linda Clevenger — February 21, 2023 in Financial

This is the money you set aside for unexpected expenses like car repairs, medical bills, or job loss. Many experts recommend saving 3-6 months of living expenses. While this may seem like a lot, remember that even a small amount can help in a pinch. Try to set aside $50 from each paycheck to start. If that’s too difficult, start with $10. The important thing is to get started!

Saving money is hard. It’s especially hard when you feel like you’re already struggling to make ends meet. But if there’s one thing that’s important in personal finance, it’s building up your emergency savings.

An emergency fund is the money you set aside for unexpected expenses, like a car repair, a medical bill, or a job loss. Many experts recommend saving 3-6 months of living expenses. And while that may seem like a lot, remember that even a small amount can help in a pinch.

So how do you start building up your emergency fund? Try setting aside $50 from each paycheck. If that’s too difficult, start with $10. The important thing is to get started!

Saving money is never easy. But it’s worth it to have a cushion of cash to fall back on in case of an emergency. So start setting aside some money each week, and before you know it, you’ll have a nice little nest egg to help you out in a pinch.

This is the money you will use to cover unexpected expenses like a car repair, a medical bill, or a job loss. You want to have enough money saved so that you can cover your living expenses for three to six months.

Saving money is not always easy, but it is important. There are a few simple things you can do to help make saving easier:

-Set up a budget and stick to it.

-Automate your savings. Have a certain amount of money automatically transferred from your checking account to your savings account each month.

-Live below your means. Spend less than you make and save the rest.

-Make saving a priority. Pay yourself first by putting your savings into a separate account.

– Invest in yourself. Invest in your education and career so that you can earn more money and have more to save.

Building emergency savings is an important part of personal finance. By following these simple tips, you can make saving easier and reach your financial goals.

Posted by Linda Clevenger — February 20, 2023 in Financial

Making the switch to personal finance software like Quicken is a great way to take control of your money. But, like anything new, it can take a little time to get used to the program. Here are a few tips to help you get the most out of Quicken:

Get to know the software

Before you start using Quicken, it’s important to spend some time getting to know the software. This means taking the time to read through the user manual or watching some tutorial videos. Once you have a good understanding of how the software works, you’ll be able to use it more effectively.

Set up your accounts

One of the first things you’ll need to do when you start using Quicken is to set up your financial accounts. This includes your bank accounts, credit cards, and investment accounts. Quicken makes it easy to track all of your accounts in one place.

Track your spending

One of the most useful features of Quicken is the ability to track your spending. This can help you see where your money is going and make changes to your spending habits. To track your spending, you’ll need to set up a budget in Quicken.

Get organized

Another helpful feature of Quicken is the ability to organize your finances. This includes creating folders to store your financial documents and setting up bills to be paid automatically. Getting your finances organized can save you time and help you stay on top of your money.

Set goals

One of the best ways to use Quicken is to set financial goals. This could be saving for a down payment on a house or paying off your credit card debt. Quicken can help you track your progress and see how close you are to reaching your goals.

Making the switch to Quicken can be a great way to take control of your finances. By following these tips, you can make the most of the software and reach your financial goals.

Posted by Linda Clevenger — January 18, 2023 in Finance

Wealth management is a process whereby financial advisers work with clients to grow and protect their wealth. This can involve a number of different services, from investment planning and portfolio management to tax advice and estate planning. Here we take a look at some of the most common wealth management services offered by financial advisers.

Investment Planning

One of the most important wealth management services offered by financial advisers is investment planning. This involves working with clients to identify their investment goals and then developing a plan to help them achieve these. This will usually involve selecting the right mix of investments, such as stocks, bonds and property, and then monitoring and rebalancing these on a regular basis.

Portfolio Management

Once an investment plan has been put in place, the next step is to implement it. This is where portfolio management comes in. Portfolio management involves making sure that the investments in a client’s portfolio are performing in line with their goals. This can involve making changes to the mix of investments, as well as buying and selling individual assets.

Tax Advice

Another important wealth management service offered by financial advisers is tax advice. This involves helping clients to minimise their tax liability, both in the short and long term. This can involve a number of different strategies, such as using tax-efficient investments, claiming tax reliefs and allowances, and making use of tax-efficient wrappers, such as ISAs and pensions.

Estate Planning

Estate planning is another important wealth management service. This involves putting in place plans to ensure that your wealth is passed on to your beneficiaries in the most tax-efficient way possible. This can involve a number of different strategies, such as using trusts, making use of gifting rules and writing a will.

These are just some of the most common wealth management services offered by financial advisers. If you are looking for help with growing and protecting your wealth, then it is worth speaking to an adviser to see how they can help you.

Posted by Linda Clevenger — November 15, 2022 in Saving Tips

The first step to frugal living is to cut back on your spending. You may be surprised to find that you are spending more money than you realize on things that you donâ€™t really need. Take a close look at your spending habits and see where you can cut back.

Make a budget and stick to it.

Once you have an idea of where your money is going, itâ€™s time to make a budget. Determine how much money you need to live on each month and then stick to it. This may require making some changes to your lifestyle, but it will be worth it in the long run.

Live below your means.

One of the best ways to save money is to live below your means. This means spending less than you earn each month. It may require making some sacrifices, but it will be worth it in the end.

Invest in quality, not quantity.

When you are shopping, itâ€™s important to invest in quality items that will last. Itâ€™s better to have a few quality items that you love than a closet full of cheap clothes that you never wear.

Save money on groceries.

One of the biggest expenses for most families is groceries. There are a few ways that you can save money on groceries each month. One way is to Meal Plan. This means planning out your meals for the week and only buying the ingredients that you need. Another way to save money is to buy in bulk. This can be a great way to save money if you have the storage space.

Cut back on entertainment expenses.

Another big expense for many families is entertainment. If you are looking to save money, you may need to cut back on some of your entertainment expenses. This may include going out to eat less, going to the movies less, and cutting back on other activities.

Use coupons and discounts.

Whenever you are shopping, be sure to look for coupons and discounts. There are many ways to save money by using coupons and discounts. You can often find coupons in the weekly circulars or online. You can also sign up for email newsletters from your favorite stores to receive coupons and discounts.

Do it yourself.

Whenever possible, try to do things yourself. This can save you a lot of money. For example, instead of hiring someone to mow your lawn, you can do it yourself. There are many things that you can do yourself if you are willing to put in the time and effort.

Shop around for the best deals.

Whenever you are shopping for anything, itâ€™s important to shop around for the best deals. This includes everything from groceries to clothes to electronics. You can often find better deals online or in store if you take the time to look.

Make a plan.

One of the best ways to save money is to make a plan. Determine what your goals are and then make a plan to reach those goals. This may require making some changes to your lifestyle, but it will be worth it in the end.

Posted by Linda Clevenger — November 15, 2022 in Investments

Choosing the right 401k plan can be a daunting task. There are so many options out there and it can be hard to know which one is right for you. Here are a few tips to help you choose the right 401k plan for you:

Know your goals

Before you start looking at 401k plans, it’s important to know what your goals are. Do you want to retire as soon as possible? Do you want to retire with a certain amount of money? Do you want to retire with a certain lifestyle? Knowing your goals will help you choose the right 401k plan for you.

Know your options

There are two main types of 401k plans: traditional and Roth. Traditional 401k plans allow you to contribute pre-tax dollars, which means you’ll pay taxes on the money when you withdraw it in retirement. Roth 401k plans allow you to contribute after-tax dollars, which means you won’t pay taxes on the money when you withdraw it in retirement.

Know your company’s match

Many companies offer a 401k match, which means they will match a certain percentage of your contributions. For example, if your company offers a 50% match, they will match 50% of your contributions up to a certain amount. This is free money, so it’s important to know your company’s match before you choose a 401k plan.

Know your fees

All 401k plans have fees, which can range from 0.5% to 2.0% of your account balance. These fees can eat into your investment returns, so it’s important to know what the fees are before you choose a 401k plan.

Know your investment options

Most 401k plans offer a variety of investment options, including stocks, bonds, and mutual funds. It’s important to know what your investment options are before you choose a 401k plan.

Know your withdrawal options

You can typically withdraw money from your 401k plan at age 59 1/2, but there may be penalties if you withdraw money before that age. It’s important to know your withdrawal options before you choose a 401k plan.

Talk to a financial advisor

If you’re still not sure which 401k plan is right for you, it’s a good idea to talk to a financial advisor. They can help you understand your options and choose the right 401k plan for you.

Posted by Linda Clevenger — November 8, 2022 in

When it comes to financial planning, there are a lot of different schools of thought. Some people believe that you should save as much money as possible and invest it for the long term. Others believe that you should focus on creating a stream of passive income so that you can live off of that. And still others believe that you should focus on immediate gratification and enjoy your money now.

The truth is, there is no one “right” way to financial planning. It ultimately depends on your own individual goals and preferences. However, there are some general tips and guidelines that can help you create a successful long term financial plan, regardless of your specific circumstances.

1. Start early.

The sooner you start saving and investing, the better. Time is one of the most important factors when it comes to building wealth. The earlier you start, the more time your money has to grow.

2. Invest regularly.

Consistency is key when it comes to investing. The best way to grow your money is to invest regularly, even if it’s just a small amount. You can start small and increase your contributions over time.

3. Invest in a diversified mix of assets.

When you diversify your investments, you spread out your risk and increase your chances of achieving your goals. A diversified portfolio might include stocks, bonds, real estate, and other assets.

4. Consider your risk tolerance.

Before you invest, it’s important to consider your risk tolerance. This refers to your willingness to lose money in the short-term in exchange for the potential to earn more money in the long-term.

5. Have realistic expectations.

Investing is a long-term process, and it’s important to have realistic expectations. Don’t expect to get rich quick. Instead, focus on building your wealth slowly and steadily over time.

6. Stay disciplined.

Discipline is essential to successful investing. Once you’ve created your plan, stick to it. Avoid making emotional decisions that could sabotage your financial goals.

7. Review and adjust your plan as needed.

Your financial circumstances will change over time, and your financial plan should change with them. Review your plan regularly and make adjustments as needed.

8. Seek professional help.

If you’re not sure where to start, seek professional help. A financial advisor can offer guidance and help you create a plan that’s tailored to your unique circumstances.

Creating a long term financial plan can seem daunting, but it doesn’t have to be. By following these tips, you can develop a plan that will help you achieve your financial goals.

Posted by Linda Clevenger — April 3, 2020 in Uncategorized

I’m amazed at how much money we have spent getting sucked into conveniences. The same can be said for the convenience of home shopping for foods. Most shopping stops would set us back $400. Worse, when we moved a few weeks ago and had to unplug our extra freezer, in which I’d stored all of this bulk fish and chicken, I found pounds and pounds of frozen fish that I had had great intentions of cooking but never got around to doing so.

One of the last conveniences that I think is about to go on the chopping block is the delivery dry cleaning services. He was now expected to wear a shirt and tie on most days, and since we couldn’t remember the last time we’d used an iron–or even where it was–it was time to start sending out Bill’s shirts.

Mind you, using this service is not tremendously expensive: we spend about $1.25 per shirt and send out, maybe, 10 shirts a week. However, in the course of this move, a couple of things happened.

The less interaction the better. One of the last conveniences that I think is about to go on the chopping block is the delivery dry cleaning services. I like having a check list of things to do or that are already done for each day. About two years ago we started using a local company that picks up and delivers our dry cleaing every Monday and Thursday, because my recently promoted husband couldn’t get away with polo shirts at work anymore.

Events get entered in advance, with directions or specifics in that same place or at the very least, a note telling me where to find them. I love my moleskin agenda and my Yahoo calendar that is attached to my email. Any more specific than that and I don’t use it.

Sounds like you have something exciting in the works, however. I can’t wait to find out what! I think my big problem is that I know I need something, but I don’t know what I’m looking for.

I know I want something computer based, since I’m on the computer so much. Web based would be ideal, but if I could put it on a jump drive that would be OK. I think I really need something that will clearly help me organize my time, set some goals, and break down my goals into manageable pieces. Keeping track of different business/blogging related projects/advertising deals in an organized manner is a must. And if it helps me with my email, even better (that may be asking a lot though). I need something with reminders…email or twitter.

If it helps me organize my menu planning and cleaning, that’s great, but I’m actually pretty good at managing the house, so it’s a plus, but not necessary.

How am I doing so far? And if you find (or make) a good system, let me know. I’m looking for one.I wish I had something that would remind me of ideas that I have during the day, especially when I don’t have something to write them on!

Posted by Linda Clevenger — December 28, 2017 in Dreams & Goals

I mentioned in my previous post “Got Dreams? Get a Dream Manager,” that I’m working with a dream manager at work to help me clarify and achieve the goals I want to work toward. It’s an awesome program based on the Dream Manager book by Matthew Kelly that helps people feel more fulfilled in their jobs because the job is helping them to work toward life long dreams.

Here’s my (still evolving) list. I’ve had this post in drafts since mid December, and I’ve had fun watching it grow and eliminating goals that don’t feel like they are authentic after I’ve sat on them for a while.

I started my dream list on the Dream Manager website, but realized that I had more flexibility and a higher chance of success if I created it in my blog since I won’t have “one more place” to log into frequently. It’s been easier for me to update it when I think of another new dream.

I challenge you to do the same thing. You may realize that there really isn’t much standing in your way of achieving many if not most of your dreams.

Happy Dreaming

♥ Heather

Here’s my list of goals and dreams:

(This list includes the dreams that felt more like to-do’s I talked about in my first dream manager post, since accomplishing them will help me to feel less overwhelmed. The ones that are bold are the dreams I’m focusing on for the first half of 2012)

Personal:

New job for hubby
Have energy to enjoy things with family in the evenings
Time to to Y 2 times per week with kids
Time to to gym for me 5 days a week
Hire a personal trainer
Hire someone to mow and weed yard so hubby and i can play with kids
Hire someone to wash windows
Have the house washed
Hire a cleaning lady every 2 weeks so house is clean and we have more time with kids
Treat myself to weekly massage
Sign up for a yoga class
Grow my nails
Get my hair colored
Time with hubby each week (Friday date night?)
Deepen relationship with hubby–less stress more fun
Take vitamins and balance my iron levels
Reach a healthy weight under 150 pounds
Take up tennis again

Professional:

Find way to incorporate coaching again for fulfillment
Get coaching for CM blog for fresh ideas to improve sales/marketing funnel
Attend training or seminar quarterly to network and stay current
Go through market motive training at work
Go to wizard academy
Turn CM into a social media marketing agency?
Create a blogging contest for FW bloggers
Revamp FW blog, opt in, side bar, etc.
Create couponing training program with Shauna for FW
Do weekly interview series with financial forum people and financial bloggers for FW
Turn FW interview series into weekly podcast
Become a regular contributor for another website for FW
Use send out cards for Arbonne again
Create opt in for becoming me
Post weekly on becoming me
Post weekly on cm
Focus more on video for cm
Get an assistant for fw to help expand social
Hire a VA for cm
Speak on stage trainings at seminars
Develop speaking skills
Create complete training system for cm
Write a book (turn CM into a book)
Write a book (becoming me)

Financial:

~~Send our daughter on the DC trip with school (Paid balance in full 12/23/2011)~~
Save new car for hubby
Tithe regularly
New family car
Save for retirement so that we have 100K per year living money
Have 3 months savings in the bank
Have 5K in the bank for emergencies
Pay cash for a new car for the kids
Pay off all credit card debt
Get a month ahead on all bills
Pay off second mortgage
Pay off mortgage

Travel:

Go to Rio de Janiero
See castles in Scotland
Visit Yellowstone
Take a paddle boat cruise down the Mississippi
Family vacation to Mexico
Family vacation to LA, San Diego, etc.
Visit Thailand
Family vacation to Hawaii
Drive to Alaska
Plan an overnight trip for each child yearly to shop, theater, or whatever they want with mom and dad
Girls vacation spa trip with both of my girls when they’re older
Girls vacation with mom and sister
San Francisco with hubby
Family vacation to north east shore (NJ)
Family vacation to Grand Canyon and out west
Family vacation to Europe
Family vacation to Disney
Yearly romantic vacation with hubby
Take a tropical cruise
See the arches in Utah
Take cruise to Alaska to see glaciers
Take the badger line ferry across Lake Michigan
Visit Shenandoah valley
Vacation in Hilton Head
Vacation in Mackinac
Go to Australia
Trip to NYC with kids
Go to the cedar point amusement park in Sanduski OH
Go to Maine, see the crabbing and eat lobster
Go to Seattle
Take a romantic weekend in Chicago, ride the train in, eat a Geja’s, see a play (Bought Groupon for Hotel 1/6/2012)
Go to Monterrey California for a romantic trip
Go to wine country

Adventure:

Learn to speak French
Learn to speak Spanish
Skate boarding lessons for daughter
Games for the kids’ x-box
Get another dog
Take cake decorating classes with daughter
Buy husband guitar and lessons
Buy husband a GTO to restore
Finish “old man winter” carvings
Live on water front property in Wisconsin
Have an art studio and writing studio
Remodel an old house after kids are grown
Take a sculpting class
Float the Colorado river through the grand canyon
Learn to sail
Finish pilot’s license
Float Namakagon river with family, and camp on shore
Float the Wisconsin river with hubby, kids and dad
Kayak the apostle island caves
Sail from Chicago to Mackinac
Fly to all 48 states
Fly to Alaska
Fly in an open cockpit Steerman
Learn to play the piano
Take up photography again
Write a book (children’s book with photos)
Paint again
Get proficient at pottery again
Archery for kids and hubby
Karate for hubby
Help hubby build a cedar strip canoe
Compete in the annual Namakagon regatta
Own a convertible (drive it to the cabin in the summer)
Have the ability to move around and if we like a place, stay there for a while, if we want to move on, be able to
Go camping in Colorado with the kids
Be on a boat in the ocean or great lakes far enough out where you can’t see land
Camp in Aisle Royale
See a moose
Go fly fishing in Montana or Wyoming
Canoe the boundary waters in Ely Minnisota
Scuba dive
Go down hill skiing with the kids
Ride in and finish the scenic shore 150 and other longer bicycle of rides
Take the Amtrak Southwest Chief train trip/vacation

Material:

~~Put in alarm system (Installed 12/31/2011)~~
Have a big fish tank for family room
Laptop for daughter’s 8th grade graduation gift
Fish tanks for kid’s rooms
Knock down wall on stairs and put in banister
Put in a pool for the kids
Get a hot tub in back yard
Fence in back yard
Recarpet upstairs
Add hardwood floors in family room
Expand kitchen into dining room
Buy a gas kiln
Buy a sailboat
Buy a plane
Insulate garage and heat it for pottery
Get a bigger TV for bedroom
Build a media room in basement
Move family room gas fire place to office in basement
Convert family room fireplace to wood burning
Get a piano and learn to play
Have professional family photos for the both sides of the family
Help send other kids in need to college
Help my kids graduate from college debt free
Sponsor a family in need every year for Christmas
Landscape yard – boulders
Outdoor lighting
Riding lawn mower
Swing set for son
SLR digital camera
Braces for the kids
Build room to move office to basement
Decorate FW office
Decorate living room
Redecorate dining room to get rid of red walls
New dining room furniture
Living room furniture
Patio furniture
Get a new family car big enough for all 5 of us
~~Clear out toys and give them to new baby (1/7/2012)~~
Declutter bins of clothing in basement–keep only hand-me-down clothes
Build laundry room in basement
Turn laundry room into coat closet
Turn coat closet into pantry
Closet organizers for all the bedroom closets
Bedroom dressers and mirror for our room
New curtains for our room
Jacuzzi tub
Upholster lazyboy in bedroom
Upholister chairs in family room
New family room furniture
Insulate the attic
New cell phones (iphone?)
Laptops for kids with study area in basement
Own a truck again
Own a jeep again
Own a convertable
Own a tandem bike