By William F. Whelan, guest columnist and Senior VP, Branch/Government Banking, Capital Bank.
As the 2017 tax season gets underway, Capital Bank of New Jersey is urging all customers to take extra precaution when filing their return to prevent their exposure to tax fraud.
“Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims,” said David J. Hanrahan, Sr., President and CEO. “Consumers must be suspicious of any communication from the IRS—through e-mail, text or social media—that requests personal information, and should keep a watchful eye out for missing W-2s and mail containing sensitive financial information.”
Tax identity fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in their name.
We envision a society where women, particularly mothers, are able to achieve work-life balance – having a fulfilling career while making family a priority – and where women entrepreneurs are part of a vibrant community with a robust support ecosystem, enabling them to create successful businesses, especially enterprises which create a social impact.
Our mission is to empower women to obtain self-fulfillment and financial independence, build strong families, and benefit the economy and society at large, by helping them to start sustainable, socially-minded businesses. Our long term goal is to successfully introduce CRIB to other countries, especially developing nations, where entrepreneurship significantly impacts the lives of women at the bottom of the pyramid – many of whom are the main (or even sole) breadwinners for their families. We believe CRIB can give these enterprising women the opportunity, network and know-how to start viable, sustainable businesses as well.
We help women entrepreneurs by:
1. Creating a community of like-minded women to form a support and business network,
2. Providing invaluable guidance and advice from our experienced and successful CRIB mentors,
3. Helping to obtain funding whether through government grants or private investors, and
4. Providing a database of trusted business resources and services
We recognize the significant contribution that women provide to the economy and to society, and we benefit the economy by helping women develop viable businesses, creating jobs, and increasing productivity
We create a community of understanding employers who are mothers themselves and thus, provide greater work-life balance oriented employment opportunities for other women and mothers-to-be
We want to change the mindset of society as a whole:
1. To recognize the importance and strive towards the creation of work-life balance,
2. To view being an involved mother while contributing financially to the family and society as a viable option, and
3. To increase the willingness of women to start families
We aim to help the women in CRIB build strong, loving family relationships; and where possible, contribute to an increase in Singapore’s Total Fertility Rate aka more babies!
We support businesses that are conducted responsibly, ethically and morally. In choosing businesses to support, we will have a preference towards social enterprises
CRIB fulfills a societal need. We aim to create successful women entrepreneurs with profitable and sustainable businesses. In so doing, we can help:
· Individuals achieve fulfillment in their lives,
· Strengthen families by providing mothers with work-life-balance, and
· Benefit society by creating a positive mindset change, increasing economic output, introducing innovative businesses and social enterprises, and raising Singapore’s Total Fertility Rate
As a social impact business, CRIB endeavors to reinvest all returns towards sustaining and growing our operations, with a portion of finances channeled towards complementary social causes that benefit women entrepreneurs.
There are a lot of things to consider when you're looking for a commercial property. Finding the perfect property for your business can be difficult, so Bacall Development advise you to keep reading to help you search for the right one.
Location can set a great difference to the kind of business you own. Not every business rely on location for the success of their business. If you depend on customer contact in a retail setting, then be in a place that is accessible to your customers because it could affect the success (or failure) of your business.
You may choose a location that offers a peaceful environment if you don't see clients that much. Your staff will be more focused to do their tasks with serene surroundings. Creating a home office is also advisable to save on operating costs and provide potential tax savings if you're not expecting visits from your customers and don't have any employees in site.
Size is also an important factor to consider, based on reviews gathered by Bacall Development and its associates. See to it that the property fits perfectly to the kind of business you have. To avoid added expenses because of retrofitting, make sure that the place has been outfitted with wiring to complement your communication and electrical needs. You should know the zoning ordinances of the place as well.
Even though the location has high rent but is accessible to your potential customers and meets the needs of your business, then it is perfect for the growth of your enterprise. It's good for a retail business owner to place its business near similar businesses according to reviews. Ensure that the property offers comfort and safety to your customers.
You can find affordable properties through courthouses and get a list of business closings or property foreclosures. Consider different alternatives as well such as buying a lot and have control over the construction and design, leasing a build-to-suit, and renting an existing space.
Consulting a real estate broker can help you find a commercial property and lessen your options. If there are places that interest you, better visit them in person to assess some issues that may affect your business such as competition, traffic, and overall convenience.
But if you're not the type that likes to go in different places by foot, you can search available properties online through real estate websites. Bacall Development wants you to act quickly in case you already found the right one for you and your business because a good commercial property does not stay available for long.
“A woman’s best protection is a little money of her own.” - Clare Boothe Luce
Majority of women are independent individuals; thus they take charge of their money and manage their own financial stress. However, if you’re having a hard time doing so, online financial blog prepared some simple and easy tips on how to handle investment and your personal finance.
Apparently, every woman in the world doesn’t want to get widowed or divorced; however, the possibility is there. You should always be prepared and learn to do everything yourself, especially handling your money. You should have a deeper understanding of financial investment because you don’t want to get into trouble with your personal finances, right? Everyone wants to reach her financial goals. It’ll be better to take charge of your money and make wise investment decisions at an early age. If you don’t have sufficient knowledge about personal finances, it’s only natural that you’ll fear investing money, plus the fact that you don’t want to make the wrong investment decisions.
If the economy is unstable, a lot of investors get worried about their financial funds. However, when it comes to money management, women are usually more emotional than men.
Studying each financial investment should be your first assignment. You should keep your worries and fears at bay. You can’t made the right financial decisions if you don’t understand the financial figures. In order to eradicate emotions from a decision and be more logical, it’s really important to understand your personal finances.
Your second assignment will be determining your financial growth and progress. Focus on how far you’ve come instead of taking a look at where you want to be. Each year, make your own 3 to 5 financial goals, and at the end of the year, check to see if you’re still taking charge of your money. Your financial goals may include a raise or job promotion; increase your 401k contribution by 1% or lower your budget and save more. Each financial success is worth celebrating, just do your best and trust yourself.
For your last assignment, identify where you would like to go financially. But first you should know how much money you have. Some women have no idea what they actually have for investments. A financial planner can be a huge help to you, and if you’re working with one, allow her to explain your investments until you understand them, regardless how long it takes. You need to understand what you’re paying for the investment; so always ask about the fees. If you do necessary research and understand them, you can manage your own investments very well. Research each fund on the web to make sure you’re choosing the best money management possible when you’re deciding your 401k allocation. Evaluating your time frame, financial need and investment risk tolerance are the basics of a solid financial plan.
Some women just need a little push to discover what they’re capable of. Remember that having negative thoughts will only consume that little light of hope in your heart. You just need to understand the facts, your goals, the time-schedule, and your risk tolerance. You can establish a better plan if you have a deeper understanding on those things, and you’ll be in a better shape than you think. Move forward and reach your financial goals using this knowledge.
Everyone is facing money stress, not just women. Financial disorder also makes even the experts wonder if their strategies are sustainable. Cope with the changes in the market and your new financial reality by developing a careful financial plan. This will put you ahead of the pack.
In general, medicine is recognized as a very broad area of study and involves so many various fields of health-care as well as different approaches and applications, whether we are talking of traditional, alternative and even emotional-healing practices. Most people, however, rely on the general field of medical practice accepted by countries and societies as the scientific and professional field of health-care practiced by graduates of Schools of Medicine and are referred to as Doctors of Medicine (MD’s).
Today, the willingness or passion to provide people with physical healing is not fully applied or recognized without leaving the comfort of one’s world and into the greater arena of the vast majority of people who need healing and proper medical care. The worldwide web has significantly eased the problem of how to make health care readily accessible to others. And, obviously in medicine or the medical profession, as it is often referred to by those tasked with providing health care to the ailing patient, the patient must not only seek the doctor; the doctor must also make himself or herself available and accessible as much as possible.
The physician or MD, in general, needs to be fully equipped and qualified to offer basic health care using methods accepted by most public health-providers in accordance with modern professional health-care methods. However, we all know that even old traditional healing approaches, which have been proven by modern research to be effective and are administered by more and more doctors along with modern medical practices, for instance, acupuncture, chelation and others. Which means that we have advanced in such a way that we have greatly enhanced the human power to serve the health needs of many people who require effective medical attention. Likewise, those who are given the function of administering such highly-specialized expertise must have a source of surplus amounts of diligence, persistence and altruism not easily available to majority of people.
A primary model of this innovative professional medical practitioner is Dr. Richard Isaacs, MD, who has availed of the Internet to widely post his qualifications and his specialization to more people needing his particular field of practice. This direct way of promoting one’s profession to the greater community online may seem a bit unusual and even suspicious to many. Yes, it may even seem to demean the respected position the medical doctor whom many view as being more altruistic or unselfish than other professions.
A financial statement presents only a snapshot of a company's monetary position, subject to misrepresentation and pseudo-disclosure. Breen & Associates' forensic analysis penetrates surface claims, while consistently meeting common evidentiary requirements.
Our forensic investigations incorporate a methodical, thorough financial review, whose results are admissible in any court and are proven, repeatedly, to be among the most comprehensive analyses available today.
DR JOHN PEEBLES – PARTNER
Non-Executive Director Corporate Governance / Board Advisory, Chief Executive Searches
PENELOPE PEEBLES – PARTNER
Chief Executive Search, Retail Consumer goods, Primary Industries Manufacturing, Professional Services Technology
With 36 years consulting experience in executive search, Dr John Peebles is a leading figure in the industry and recognised globally as an influential search leader. John established the first ever retained search group in New Zealand in the 1970s and was a member of the then Ward Howell International Group. With 36 years consulting experience in executive search he has worked extensively in New Zealand, Australia and internationally. His prior experience involved management, human resources and business management in a major publicly listed company. His tertiary qualifications include an MBA, Post Graduate Certificate in Business Research and a Doctorate of Business and Administration in Corporate Governance.
Dr John Peebles is Chair of Mobility Assistance Dogs Trust and former Chair of Auckland Opera Studio, Pop ‘n’ Good Holdings and Indigenous Corporate Solutions and former Director of the Broadcasting Corporation of New Zealand and Auckland Philharmonia Orchestra.