Friday, February 12, 2016

Enterprises TV Offers Tips for People Planning to Tap Into Home Equity

Home equity can be a godsend to people who need some extra money in near retirement or retirement ages. Americans may have more net worth wrapped up in their homes than in retirement and financial accounts. Enterprises TV offers some tips for people  who may want to tap into their home equity to better fund their retirement.

A USC report reported that by the end of year 2015, less than one percent of Americans age 62 and older had taken out a reverse mortgage. This type of mortgage is a financial tool that lets people borrow against their home equity and not repay the loan until they sell the house/home or die. This industry, however, has been tightly regulated in recent years. It pays to do some in-depth research on the companies that offer them first.

The homeowners who have paid off their mortgage loans and are living mortgage-free, and who have not taken a reverse mortgage loan, can use home equity funds later if the money is needed for medical and other expenses. Enterprises TV encourages readers who may plan to take a reverse mortgage loan to consider all aspects of adding this financial step in pre-retirement or retirement years.

Would it better to sell the mortgage-free home and move into a small home, such as a condo or a smaller house?

Would it better to live in your own mortgage-free home and use the funds from a reverse mortgage loan to pay for unexpected medical or living expenses not covered by insurance?

Financial advisers note that a reverse mortgage is best for people who want to stay in their current home for the rest of their lives. Home equity loans can also be obtained from various financial institutions.

Monday, February 8, 2016

The Enterprises TV Show on How to Get Motivated

The average person needs motivation to get up and go to work in the morning. Motivation becomes even harder when it is cold or raining outside. Entrepreneurs also need motivation to make things happen for themselves and their businesses or else they will fail. The Enterprises TV show relays suggestions for getting motivated.

Frankly, it takes motivation to write this article. But here goes:

Entrepreneurs should create personal and business mission statements. These outline what the individual hopes and wants on a personal basis, as well as what and where the business is headed.

Plan for and implement personal and business-related incentive rewards. Everybody likes to be noticed and rewarded for something done well or for a tough goal awarded. Treat staff, individual workers and yourself with a well-earned reward.

Make a list of the major tasks that need to be done. Delegate smaller tasks to someone else. Check things off when complete. Midway through the day, review the list to see where you are.

The Enterprises TV show reminds entrepreneurs that every day is a chance to start over. Put the frustrations, failures and complications from the day before behind you and move forward. Learn from what went wrong and vow to not let it happen again. Every situation and every set back is one more way to learn and adapt.

Motivation can move molehills as well as mountains.

Friday, February 5, 2016

Enterprises TV Conveys New ATM Skimming Information


Most people are aware that card skimming devices can be placed over ATM terminals at gas pumps and outdoor bank machines. But new evidence from Krebs, the security specialists, finds that there is a new location the consumer often uses where the data stealing equipment is found. Enterprises TV conveys where this is and how to avoid it.

Where is it safe to use a debit or credit card these days? Not in the grocery store self-checkout lane. This is the new location where card skimming devices are found. While many shoppers with a few items don’t want to wait in a longer checkout line, they will use the quicker self-checkout lanes.

While a fake cover on a card machine can look just like the real one, the fake one can feel loose. Consumers should take a better look at the machine, and try to take the cover off. If it comes off easily, don’t use it and report it to the cashier.

Skimming devices use hidden electronics that sit inside or over a card slot. Once the card is swiped, the skimmer scans the information and the data contained in it is stolen. Most often, fake keypads or small cameras record the consumer entering their PIN.

The Enterprises television show encourages readers to regularly check bank and credit card statements for unaccounted for debits and/or charges. If the merchant has installed new chip-based card readers use them. It may take an extra few seconds, but those few seconds will save the consumer a vast of amount time in trying to clear up ID theft and financial data issues.

American supermarket chains and all merchants should be aggressive in replacing the older “swipe the stripe” card machines with “dip the chip” machines. One instance of financial data theft from a card skimmer at a local store can wreak havoc for the consumer and the merchant. Protect your personal data vigorously and request favorite merchants do their part too. 

Monday, February 1, 2016

Enterprises TV Provides a BYOD Update

BYOD stands for Bring-Your-Own-Device to use for work. Many employees use their own tablets and smart phones for business already. While this is a convenient way for workers to get work done, stay up to date and connected to work related activities, there are some concerns that come with it. Enterprises TV provides a BYOD update for employees and employers.

One of the most important issues with a corporate BYOD policy is security. How secure does is the device? Is the screen password protected? Does it use anti-virus and malware protection? What happens if the device is lost or stolen?

Good workplace policies require workers who use their own digital devices to access company-related networks to register the device with the in-house IT departments or contracted IT companies. If the device is lost, stolen or hacked, the IT support worker has better knowledge of the device, and may be able to access it, track it and remedy any service issues.

A good mobile management plan is one which provides a memo to employees about digital devices – personal and company owned. It explains the rules for the BYOD policy, requires information about the specific device, and provides a space where the employee needs to sign indicating they read and understand the policy.

The Enterprises TV show encourages readers who use their own devices for work to limit what work is conducted on the device. Checking email is fine, as is opening files through Cloud type drives. Always ensure that virus and malware protection is up to date. And always be sure there that if using a personal device for work to be careful what is viewed, read or accessed on it. Company BYOD policies should clearly define what their position is on accessing data on the employee’s personal device. Double check before first. 

Friday, January 29, 2016

Enterprises TV Reviews How Privacy Policies Affect a Business

Consumers generally trust businesses with their personal and financial data. If they do not, they tend to avoid doing business with them.

A survey just released notes that almost 75 percent of the people questioned worry about online privacy and limit their Web activity due to concerns about their personal data and where it ends up. Most people don’t seem to know that location tracking can be turned off on smart phones, Internet browsers and social media accounts. The Settings menu provides the option to turn off tracking on most digital devices. Enterprises TV notes that consumers are very much aware of the privacy policies located on e-commerce websites, but few people take the time to read them. When they do, it can hard to decipher to legal speak.

Businesses have a great opportunity to gain the respect and trust of their customers by making their privacy and security policies known on the site’s landing page. It should be easy to find and easy for the lay person to understand. Consumers want to know what will happen with their personal and financial data, if it will be re-sold to another company for marketing purposes.

The Enterprises TV show also notes that target ads, while effective for driving up revenue, can be a bone of contention for some shoppers. There are consumers that love the ads which can give them better choices for saving, and there are consumers who would rather not be “found”.   Give consumers the choice of opting in or out of targeted ads. Today’s consumer is more concerned about privacy and security than about losing their main source of income, as reported by the TRUSTe/National Cyber Security Alliance (NCSA) Consumer Privacy Index. This concern might possibly stem from knowing someone who had their identity stolen, and the hearing of the struggle to get their financial and personal back.

Privacy and security of personal data is a top concern for many Americans. This is a good time for any size business to secure data sources, and inform customers.

Monday, January 25, 2016

The Enterprises TV Show Opens the Doors on Becoming a Landlord

As long as homes have been rented, there have been landlords. These people own the property or manage it for someone else. These are the people who collect the rent and fix things when they break or just don’t work. But there is more to being a landlord than just collecting the rent check every month.

The Enterprises TV show notes that being a landlord is not just about being sure the rent is paid. The title usually means that this person is responsible to make sure the air conditioning work in the summer, heat works in the winter, all toilets can be flushed, appliances are replaced or repaired when they stop working, and on occasion, kick out the faulty renter. Let’s take a closer look at what someone should know about renting property to another person and being a landlord.

Rental homes are part of the real estate market. In real estate, location is a key factor in finding the a good home in a nice location. The same applies to rental homes. The nicer the condo community or home development, the better the tenants.

Review all state, local, homeowner’s and condo association rules and guidelines for rentals. Some communities are for people aged 55 and up. Others will not allow children. Some condo and home associations insist the property owner live in the unit one year before renting it. Know the rules before buying a home to rent.

Ask a friend in the legal profession to help construct a rental lease. Don’t count on the ones from free legal websites or bought in office supply stores to be correct.

Enterprises TV reminds prospective landlords that something will break or not work. It always does. Garbage disposals stop working after 2 to 3 years. Toilet keep running, water drips, air conditioning stops in the heart of summer, and refrigerators shudder and turn off. Ask for referrals for reliable repair and service people. Don’t just hire the cheapest one. Hire the one that can get the job done right the first time.

Think and do some homework before deciding to become a landlord. 


Friday, January 22, 2016

Enterprises TV Reviews Tax Tips for Small Businesses

Tax preparation season has arrived and it comes with forms and regulations that every small business owner should have and know. Enterprises TV reviews a few basic tips for the independent and small businesses.

Contact a professional, licensed or certified tax preparer if one is not already chosen.  Be wary of hiring anyone to do business tax filing that has not done it before.

Collect and compile all IRS tax forms needed, business-related receipts, Affordable Health Care documentation, business mileage logs, and employee and contractor W-2s and Form 1099 and 1099-K forms.

Make an appointment to meet with the tax preparer and get it done in one meeting.

The IRS made it easier for independent business owners to deduct for home offices.  Work from home business owners can now deduct $5.00 for each square foot of the home office, up to 300 feet. The work from home business owners can possibly deduct up to $1,500 a year with this deduction.

Small business owners who provide health insurance for employees can claim a credit for it. To qualify, the business must have 25 or less employees, with an average salary of less than or equal to $50,000, and the company must cover at least 50 percent of the insurance premiums.  The Enterprises TV show suggests working with a tax preparer who understands the complexities.

Once taxes are filed, take steps to be better organized next year with reliable tax software and organize record keeping.