In January 2009, a US Airways jet taking off from LaGuardia airport jet hit a flock of geese 3 minutes after takeoff and immediately lost power in all engines. With two minutes of altitude left, Captain Sully and his crew reached for their checklists dealing with loss of engine power and emergency landings; and, in …
Finance
Forming an LLC is a smart move to shield your personal assets from business liabilities, but that protection only holds if you keep your finances separate. One of the first and most important steps? Opening a dedicated business bank account. The choices you make early on can have a lasting impact on your business, and …
Tennessee’s vibrant mix of urban centers like Nashville and Memphis, historic small towns, and scenic rural communities means residents need banking solutions as diverse as their lifestyles. Whether you’re a music industry professional, a college student in Knoxville, a retiree in the Smoky Mountains, or a small business owner in Chattanooga, your bank should offer …
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Investing in rental properties can be a fantastic way to generate income, whether as a primary source or a side hustle. However, not all states offer the same potential for returns on these investments. This article explores the 10 best states to buy investment property this year and the states where real estate investments may …
Opening a business bank account using only an EIN can be challenging with traditional banks, as many institutions require a range of documentation based on your business structure. However, online business banking platforms have simplified the process; many now accept applications using either an EIN or a Social Security Number. Bluevine offers a streamlined, fully …
What started as a joke, now has a $22 billion market value. Dogecoin collected a fanbase worldwide and despite its recent success it’s still possible to mine Dogecoin and make some profit. In this article, we’ll walk you through a step-by-step guide on how to mine Dogecoin. Mine Dogecoin with Hashshiny Cloud Mining! How Mining …
California residents have more banking options than ever. Tech-focused online banks are booming in addition to big national banks that have branch offices from San Diego to Sacramento. Online banks provide the highest interest rates, but large banks provide access to physical branches. Our top bank recommendations for 2025 focus on APYs, fees, and features …
If you decide you don’t want to form an LLC or corporation, you’ll likely want a “doing business as” registered name for your sole proprietorship or partnership. A DBA checking account can be a game-changer for a small company looking to build a brand. It can facilitate business processes, saving time and reducing headaches. What …
CoinMarketCap reports the total number of cryptocurrencies in the world reaching a whopping 20,000. There’s bound to be a bunch of undervalued crypto coins, as well as overvalued ones, among the thousands of new and old projects. Smart investors know the art of identifying undervalued assets and holding on to them for incredible returns in …
Opening a free business banking account is a secure and cost-effective way to manage your finances. By keeping it separate from your personal account, a business account allows you to monitor and track your company’s financial resources easily.A business account is a prerequisite for registering a business in the US. Discover which of the top …
Bluevine operates as a financial technology company that collaborates with institutions, including Coastal Community Bank, to provide FDIC-insured services tailored to the needs of small and medium-sized businesses. Bluevine launched its operations in 2013 to provide a single online platform that unites business checking with lines of credit and a business credit card for fast …
Asset management is a term that describes any process or procedure that an organization uses to keep track of mission critical assets, such as tools, equipment, and software. Due to the importance of asset management in many organizations, there’s a wide variety of software products available to help make the tracking of assets easier, which …
Opening a business bank account using only an EIN can be challenging with traditional banks, as many institutions require a range of documentation based on your business structure. However, online business banking platforms have simplified the process; many now accept applications using either an EIN or a Social Security Number. Bluevine offers a streamlined, fully …
California residents have more banking options than ever. Tech-focused online banks are booming in addition to big national banks that have branch offices from San Diego to Sacramento. Online banks provide the highest interest rates, but large banks provide access to physical branches. Our top bank recommendations for 2025 focus on APYs, fees, and features …
If you decide you don’t want to form an LLC or corporation, you’ll likely want a “doing business as” registered name for your sole proprietorship or partnership. A DBA checking account can be a game-changer for a small company looking to build a brand. It can facilitate business processes, saving time and reducing headaches. What …
Opening a free business banking account is a secure and cost-effective way to manage your finances. By keeping it separate from your personal account, a business account allows you to monitor and track your company’s financial resources easily.A business account is a prerequisite for registering a business in the US. Discover which of the top …
Bluevine operates as a financial technology company that collaborates with institutions, including Coastal Community Bank, to provide FDIC-insured services tailored to the needs of small and medium-sized businesses. Bluevine launched its operations in 2013 to provide a single online platform that unites business checking with lines of credit and a business credit card for fast …
Kabbage from American Express is an online lending platform for small businesses. It offers a range of financial solutions for small businesses including Kabbage Funding, Checking, and Payments. In this Kabbage review, we’ll cover its business bank account and business lines of credit for small businesses. Kabbage offers business lines of credit from $2,000 to $250,000 …
Novo is a digital banking tech company ideal for entrepreneurs with small businesses or side hustles. The company allows you to separate your personal and business income and provides a reliable banking experience. Through a partnership with Middlesex Federal Savings F.A, the platform offers one of the best business checking accounts online. About 61% of …
In today’s fast-paced business environment, managing finances efficiently can be the difference between stability and growth. Many small to mid-sized businesses still struggle with juggling multiple tools for banking, credit management, and accounting — leading to wasted time, errors, and missed opportunities. Lili bridges that gap by providing a unified financial platform that empowers business …
What started as a joke, now has a $22 billion market value. Dogecoin collected a fanbase worldwide and despite its recent success it’s still possible to mine Dogecoin and make some profit. In this article, we’ll walk you through a step-by-step guide on how to mine Dogecoin. Mine Dogecoin with Hashshiny Cloud Mining! How Mining …
CoinMarketCap reports the total number of cryptocurrencies in the world reaching a whopping 20,000. There’s bound to be a bunch of undervalued crypto coins, as well as overvalued ones, among the thousands of new and old projects. Smart investors know the art of identifying undervalued assets and holding on to them for incredible returns in …
Cryptocurrency has been around for long enough that almost every country has passed legislation on it. While some of the best countries for cryptocurrency took a more relaxed approach and allowed it to thrive, other countries have imposed strict crypto regulations. A few, including China, Egypt, and Qatar have even outright banned cryptocurrency. The 10 …
The Web 3.0 revolution has introduced several means of making money online. Buying and flipping NFTs is one of them. Know that NFT trading volumes in 2022 are not riding the same high as in 2021, but that doesn’t mean they’re no longer a viable asset to flip. These digital assets are definitely here to …
There are so many cryptocurrencies, about 19,500 globally, but you will only find a small fraction of them listed on the most popular exchanges. Trading platforms only list a coin if it passes a thorough evaluation process. Choosing the best crypto exchange with the most coins is essential, but so are fees and trading volume. …
Cryptocurrency is a digital currency that you can directly buy, sell, or trade online on crypto exchange platforms. The benefit of virtual coins and tokens is that they can be circulated without supervision from a central monetary authority. The fastest growing cryptocurrencies may be the best choice for you if you’re looking to invest or …
Cryptocurrencies are primarily bought and sold on crypto exchanges. There are more than 600 crypto exchanges worldwide, but a major chunk of the daily trading volume stays in the top 25 exchanges. If you’re interested in trading crypto, here are the best crypto exchanges you can choose from. Best Crypto Exchanges in 2023 Coinbase – …
Inflationary and deflationary cryptocurrencies are opposite sides of the same coin. The first one consists of increasing cryptocurrencies in circulation, while deflationary cryptocurrencies have a limited amount circulating (this amount usually remains the same, it doesn’t increase). Or, if they eventually do, it rises at a slower pace. What is a Deflationary Cryptocurrency? A deflationary …
Kabbage from American Express is an online lending platform for small businesses. It offers a range of financial solutions for small businesses including Kabbage Funding, Checking, and Payments. In this Kabbage review, we’ll cover its business bank account and business lines of credit for small businesses. Kabbage offers business lines of credit from $2,000 to $250,000 …
The COVID-19 pandemic significantly impacted small and medium-sized businesses. To provide relief, the government introduced the Employee Retention Credit (ERC) to help eligible companies access vital funds. Could your business be missing out on these much-needed resources? Dive into this guide to learn how the ERC works and discover the best ERC companies to help …
Your small business or startup idea could change your life as well as the lives of your customers – but you need the capital to get it off the ground. Small business loans are vital if you want to effectively develop a new business idea or expand an existing firm. But with so many different …
“Development” is, by definition, the process of creating and enhancing relationships with (potential) donors to ensure current and future funding; “Fundraising” is only about income generation. With “Development,” with the relationships you create, you take a major step toward ensuring future income; with “Fundraising,” income generation focuses on “now,” with no provision, no assurance, and …
(This is a follow-up piece to the posting What Do You Call The Staff Person In Charge of Raising Charitable Contributions?) The title question is often asked by new and fairly young nonprofit organizations; and, depending on the age, size, mission, location, etc. of the organization, there can be many different answers. As noted previously, …
A credit union business account is a friendly alternative to opening a business bank account. It could work for you if you’re looking for the right hub for your business finances to push your venture to the next level. Similar to banks, credit unions are financial institutions that offer online business checking accounts, savings accounts, …
1. All Board Members Must Be Donors … to the best of their ability. Not all board members are wealthy, but everyone should give at the highest level possible for their circumstances. It is important to be able to say to the public that 100% of your board supports your mission to the best of …
I was asked if one 501(c)(3) non-profit can give money to another 501(c)(3) charity. With the usual, and necessary, caveat of, “I am not attorney, nor am I giving legal advice,” I responded that, “Yes, when the transaction advances the donor non-profit’s charitable mission, a non-profit can donate money (and other resources) to another non-profit.” …
Running a business means juggling many roles, and one critical role is ensuring you have the right insurance to protect your business. To find the best business insurance, you must thoroughly compare different companies. Embroker, a business insurance broker, simplifies finding the ideal coverage. This review of Embroker will give you all the details needed …
No matter the stage, just starting out or already scaling, every business needs solid insurance coverage to stay protected. But for many entrepreneurs, finding the right provider can feel overwhelming. That’s where NEXT Insurance comes in. This 100% digital insurer focuses on coverage essentials like general liability, workers’ comp, business owner’s policies, and professional liability. …
© Copyright Carter McNamara, MBA, PhD, Authenticity Consulting, LLC. Insurance The D & O Diary : Directors and Officers Liability and Insurance Directors and officers liability insurance – Wikipedia, the free encyclopedia How to Determine Whether to Insure Directors and Officers | Inc.com 20 Questions Directors Should Ask about Directors’ and Officers’ Liability Indemnification and …
Buying life insurance is a key component of financial planning. However, it’s tough to choose the best life insurance with so many companies offering various policy types and features. If you’re looking to buy life coverage, look no further because we’ve got it all summed up for you. 7 Best Life Insurance Companies We considered …
If you’re considering auto insurance for your business, it’s crucial to understand the basics of a commercial auto policy. The more you know, the easier it is to compare coverage options and make an informed decision. In this blog post, we’ll cover the essentials of commercial auto insurance, explaining why it’s vital for businesses, the …
Looking for the best auto insurance? Finding the right coverage can feel overwhelming if your current policy is up for renewal or you’ve just bought a new ride. It’s easy to get lost between confusing terms, hidden fees, and endless options. But don’t worry, you’re in the right place. I’ve done the homework for you, …
Securing the right insurance coverage is crucial when starting or running a small business in Texas to safeguard your operations, employees, and assets from unforeseen events. This introductory guide to small business insurance in Texas will explore the various insurance available, the state-specific regulations that may affect your coverage choices, and guidance from professional companies …
If you’re thinking about protecting your retirement funds with precious metals, now is a great time to consider a gold IRA. More than a standard retirement savings account, a gold IRA acts as a powerful tool that allows you to diversify your investment portfolio by including physical precious metals and safeguard your savings from inflation. …
Investing in rental properties can be a fantastic way to generate income, whether as a primary source or a side hustle. However, not all states offer the same potential for returns on these investments. This article explores the 10 best states to buy investment property this year and the states where real estate investments may …
The Web 3.0 revolution has introduced several means of making money online. Buying and flipping NFTs is one of them. Know that NFT trading volumes in 2022 are not riding the same high as in 2021, but that doesn’t mean they’re no longer a viable asset to flip. These digital assets are definitely here to …
Simply put, trading crypto is the act of buying and selling cryptocurrencies or digital currencies, for conventional fiat money via an exchange as a form to make a profit. For those who can keep up with the volatility of cryptocurrencies, trading crypto can give much higher returns than traditional investments. We’ve listed the six steps …
There are so many cryptocurrencies, about 19,500 globally, but you will only find a small fraction of them listed on the most popular exchanges. Trading platforms only list a coin if it passes a thorough evaluation process. Choosing the best crypto exchange with the most coins is essential, but so are fees and trading volume. …
Cryptocurrency is a digital currency that you can directly buy, sell, or trade online on crypto exchange platforms. The benefit of virtual coins and tokens is that they can be circulated without supervision from a central monetary authority. The fastest growing cryptocurrencies may be the best choice for you if you’re looking to invest or …
Cryptocurrencies are primarily bought and sold on crypto exchanges. There are more than 600 crypto exchanges worldwide, but a major chunk of the daily trading volume stays in the top 25 exchanges. If you’re interested in trading crypto, here are the best crypto exchanges you can choose from. Best Crypto Exchanges in 2023 Coinbase – …
Inflationary and deflationary cryptocurrencies are opposite sides of the same coin. The first one consists of increasing cryptocurrencies in circulation, while deflationary cryptocurrencies have a limited amount circulating (this amount usually remains the same, it doesn’t increase). Or, if they eventually do, it rises at a slower pace. What is a Deflationary Cryptocurrency? A deflationary …
Crypto wallets can provide security for the multitudes of digital assets currently available for purchase. However, not all cryptocurrency holders are created the same. This article offers the lowdown on the best crypto wallets on the market today. Best Crypto Wallets Exodus – Best Overall Coinbase – Best for NFTs Ledger – Best Physical Wallet …
As a business owner, learning how to calculate payroll taxes are one of the most daunting tasks to tackle. Among all the other aspects of your business that you manage, it’s also essential you calculate your taxes correctly. Without accurate tax calculations, you can face legal and financial penalties if the IRS investigates your business. …
It’s your responsibility to pay income tax by state if you earn a salary as an employee or profits through your own business. However, it can be challenging to compute your total state income tax because each state in the U.S. has its own taxation guidelines. No matter which state you live in, read our …
Corporations are responsible for a bevy of taxes on the state level across different mediums. Above that, each state sets its own rates for corporate entities to contend with. State corporate tax rate varies depending on which state from which you operate your business. Corporate State Tax Rates Explained Corporations are a type of business …
(including getting tax-exempt status) Assembled by Carter McNamara, MBA, PhD Applies to nonprofits unless otherwise noted. Sections of This Topic Include Do I Need Help to Get Started? Importance of Good Record Keeping Getting Tax-Exempt Status Federal, State, Sales, Payroll Taxes, etc. Preparing and Filing Form 990s (including public disclosure) Donations and Taxes Unrelated Business …
Considering Optima Tax Relief for your IRS debt issues? Before you decide, check out this review! Dealing with tax debt can be incredibly stressful, and finding the right help is crucial. We’ve explored the ins and outs of tax debt relief and discovered that while there’s a mix of good and bad, Optima Tax Relief …
Navigating the complexities of tax filing can be daunting, especially with the many options available. Fortunately, you don’t have to navigate the labyrinth of IRS forms alone. The top-notch tax software guides you through the entire process, simplifying the submission of your returns. Numerous tax software solutions exist in the market. This Liberty Tax review …
Have you been investing in cryptocurrency? Maybe now it’s time to calculate and pay your crypto taxes. What is already a complicated activity can get a lot trickier if you don’t work with crypto tax software. In this article, we’ve wrapped up the best crypto tax software for 2024. Best Crypto Tax Software Our Methodology …
Yes, any capital gains you make from cryptocurrencies are taxable. As the U.S. Treasury calls for stricter crypto tax compliance, the IRS is coming after crypto tax dodgers. It’s crucial for investors to know their IRS cryptocurrency tax rate, how to file crypto taxes, and how to legally minimize their tax liability. What is Your …
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Thank you for what you do. If you’re reading this blog, I’m going to make the educated assumption that you’re probably involved (directly or indirectly) with non-profit fundraising. Regardless of the particular role you have, you make a difference in the lives of your non-profit’s beneficiaries whether they are called clients, members, students, citizens, or …
Last month I focused on IRA gifts, now I’m back to bequests, picking up from August with strategies other than direct mail to promote bequest giving. (See Tony’s previous posts on Planned Giving.) If you haven’t got the budget for direct mail, these are for you! If you’re using direct mail, augment it with these …
For over three-and-one-half years, we’ve been writing/posting about Fundraising/Development — The Basics and the more Advanced. We’ve written on (in alphabetical order) Board & Staff Relations, Capital Campaigns, Certification, Corporate Fundraising, Development Staff, Donor Categories, Donor Recognition, Donor Relations, Effective Grantsmanship – Foundation and Government, Fundraising Accounting Practices, Fundraising Constituencies, Fundraising Consultants, Fundraising Ethics, Fundraising …
When hikers get together, many of them talk about their boots. When chefs gather, they swap recipes. What do grant proposal professionals do? Many of us talk about the proposal-generating work environments at our nonprofits. What Good Companies Have in Common: Grant proposal professionals can learn how to create good work environments by looking at …
A participant on a listserve raised the question: “What skills or personal qualities make one competent to ‘make the ask’ when meeting with a) an individual and b) a corporate representative?” Because I have some very strong feelings/opinions about the issue and didn’t want to be angered/frustrated/annoyed by that discussion, I didn’t read the rest …
My two previous postings included the nuts and bolts of preparing financials for grant proposals to private and corporate foundations. This post will focus solely on a significant issue facing NPO’s seeking grant funding: namely that many foundations don’t provide general operating support. Instead, they prefer to fund specific programs or projects, and often something …
I take the strong and unwavering position that members of the board of trustees and other volunteers are the people who must raise all or most of the money for a non-profit organization. These days far too many boards and eager-to-please development professionals are starting down the slippery slope of relying on staff to be …