Once your business has survived the start-up phase, it has a solid foundation to grow. Here are some major areas or functions of your company to focus on as you take it to the next [Read More…]
At TowneBank, I partner with many small businesses on their journey, from getting started to building an empire. Throughout my career, I’ve learned that being a small business owner is not just about running a [Read More…]
“Wow, I didn’t see that coming” is the last thing you want to hear yourself say. Here are some tips to avert these common attempts at fraud. The Target is your Social Security Number (SSN): [Read More…]
Whether you’ve just changed jobs or you’re a soon-to-be grad about to start your first job, one of the most important benefits is saving for retirement with a 401(k). Let’s explore the power of your [Read More…]
By Susan R. Ralston, Old Point National Bank I vividly recall my mother hand-delivering important mail to the U.S. postal blue box, ensuring it reached its destination securely. However, in today’s Hampton Roads, dropping mail containing [Read More…]
Many retirees have seen their Social Security benefits increase in 2023 due to a cost-of-living adjustment that was higher than in past years. Further increases are expected for 2024. While more benefits are welcome, they [Read More…]
There’s another way to make tax-smart donations to charity Unless you itemize deductions on your federal tax return, you don’t currently receive tax benefits from charitable contributions. That may be acceptable to you if you [Read More…]
Few things in a child’s life (or a parent’s life, for that matter!) are as momentous as their 18th birthday. When they turn 18, children legally are adults (they can vote, they can sign a [Read More…]
According to the latest jobs report from the U.S. Bureau of Labor Statistics, the number of job openings have increased to 10.7 million and the number of hires went down to 6.1 million.1 Employers throughout [Read More…]
Financial statements prepared under U.S. Generally Accepted Accounting Principles (GAAP) include three reports: the balance sheet, income statement and statement of cash flows. Together these reports can be powerful diagnostic tools to help evaluate the [Read More…]
Is your business having a hard time finding people to work when many employees take vacation? You may ask your spouse to help pitch in if he or she is familiar with the operation. But [Read More…]
Will you have enough money to retire? That’s a tough question to answer in the best of times. Add in sky-high inflation, a healthy dose of geopolitical uncertainty and the looming expenses like college, buying [Read More…]
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