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As the seasons change, so do the fortunes of many businesses. Whether it's a cozy winter wonderland attracting skiers, a vibrant summer resort beckoning beachgoers, or a bustling holiday season for retailers, seasonal businesses face unique challenges and opportunities. It takes a lot of planning and experience to navigate the waters of seasonal business trends. Here are some tips for preparing for the busy months.

Cash bonuses have traditionally been used to reward employee performance, communicate the value of an employee, recognize, support employee loyalty and more. But many business owners—particularly small ones—may not have the cash needed to hand out bonus checks. Given the complexities of business operations, combined with the challenging economic climate, cash bonuses may simply not be a viable option.

Decluttering has become popular, based in part on the now famous teachings of Marie Kondo, and in part on the minimalist lifestyle movement. But you don’t need to be part of a cultural trend to want to get rid of things you no longer use. People have been selling unused items in one form or another since civilization began. In your lifetime, you may have driven past untold numbers of garage sales and flea markets.

Caring for a loved one with dementia is a profound emotional experience. The gradual loss of memory, personality changes, and the increasing need for constant care can be overwhelming. It's a time of sorrow, frustration, and often, financial strain. The emotional toll is heavy, and the financial implications can add to the burden. But understanding the available support, both emotional and financial, can make this journey a little easier. 

Health Savings Accounts, or HSAs, are specialized accounts designed to help individuals save money for medical expenses. These accounts offer unique tax benefits and are frequently linked to high-deductible health plans (HDHPs). They offer a unique blend of tax benefits, investment opportunities, and spending flexibility, all tailored to healthcare needs.

Every day, scammers are concocting new ways of trying to separate you from your money. It seems with every new security measure, a new way of getting around it is invented. Since nearly everyone is online these days, the vulnerability risk is high. Take a look at five of the latest money scams, and you’ll get a sense of how incredibly sneaky they can be.

1. Charitable Giving Scams

The average American has about $65,000 in savings, according to a recent poll. But if that’s the average, that means that a great number of people have much less; maybe more in the neighborhood of a few thousand or even less than that.

If you’re a business or self-employed, you have to deal with estimated tax payments. These are used to pay alternative minimum tax, income tax and self-employment tax. Many people find estimated tax payments to be a nuisance, and they wonder if they are mandatory.

Whether you’re launching a startup or already managing a small business, understanding how to build business credit is a crucial aspect of your company's financial health. A robust business credit profile can open doors to various financing options, better loan terms, and advantageous relationships with suppliers. This comprehensive guide will walk you through the process of building business credit.

Understanding Business Credit