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Monthly Archives: February 2012

Ghosts Are Better Left In The Closet

16 Thursday Feb 2012

Posted by Ask Ms Mandi in Just a PERFECT Thought

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Ghosts, Self-pity, Support

There comes a time when it is better to leave our ghosts in the closet.  Everyone of us has a few tales to tell regarding our “ghosts”.  But when is it time to tell and when is it time not to tell?  There are people in our lives that we trust with our utmost secrets, but do they really want to hear the real dirt in our lives? 

It is a painful realization when you are feeling low, deciding to call up a really close friend to chat for a bit, getting the poison out of your system with a good ear to cry on and they flat-out tell you they do not want to hear it.  That stings.  At first, we get defensive and our feelings are hurt, but after we sit back and think about it, can we really blame them? 

There is a time to talk and a time to listen.  Our closest friends know us best and know that we can do better.  They don’t shut us out because they truly don’t care, they shut us out to wake us up.  We all fall into self-pity some time in our lives, but there comes a time when enough is enough.  If we don’t like the paths that we are heading down, then it is time to change that path.

Have a good cry, get up, brush your self off, and go the other way.  This is harder to do than said, but we are stronger than we think we are and sometimes all it  takes is a good friend to wake us up by telling us to shut up.  Open the door and walk through it, but don’t forget to close the closet door behind you, leaving the ghosts inside.

Written By:  Ask Ms Mandi

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How to Start up a Start-Up Business

06 Monday Feb 2012

Posted by Ask Ms Mandi in Financial Weblinks

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Business Loans, Government Business Loans, Start-Ups

So many times businesses go wrong by not making a business plan.  A business plan is one of the key factors to making a business successful.  One reason a business plan is important is that it allows you to feasibly see where your business is starting and where it will be going.  A second reason is that it allows you to gather your ideas on how much capital you will have to invest into your business.  A third reason is that it allows you to see if you will be using investors to fund your business, if you don’t have enough capital to bring into the business. 

Please do not cash out any retirement funds or 401K’s.  Business is a risk and you do not want to risk your retirement on such a risky endeavor.  Your retirement is meant for you to have when your elderly and a business is meant for you to build prior to your elderly years, don’t risk losing your retirement that is already invested money into another investment that involves a high risk.

A business plan is something that will be used as a beginning platform and will be used to build from as the business grows.  It will be used to add an annual budget and for projection reporting.  It is used to establish bank loans, a line of credit, government loans and entice investors.  Without a business plan, most banks will not lend you money to start-up your business.  There are several loans out there for start-up companies, funded by the government, so be prepared to show your business plan.

Written By:  Ask Ms Mandi

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Tax Time is upon Us

01 Wednesday Feb 2012

Posted by Ask Ms Mandi in Financial Weblinks

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CPA, Income Tax, Tax Preparation

February is the beginning of tax preparation.  Don’t let it stress you out.  Staying organized is the key to a less stressful tax season. 

Keep folders titled accordingly throughout the year and throw all your relevant receipts into the appropriate folder.  Then when it comes time to see your tax preparer or CPA, you have all your tax documents in an organized fashion.  Not only will your tax preparer or CPA appreciate it, you will appreciate the time saved and the added deductions found, due to your organization.

Written By:  Ask Ms Mandi

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The Perfect Little Calendar

February 2012
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