What’s going on with the financial markets? Specifically, what’s behind the price swings of the past several weeks? And, more important, how should you, as an individual investor, respond? To begin with, the recent volatility was not really all that extraordinary. The daily drops pushed U.S. stocks down about 10% from their recent record highs, although they have regained some of that ground. A 10% drop represents a “correction” – not a crash – and historically, corrections have occurred … [Read more...]
12 Questions to Ask Before Agreeing to Serve as a Campaign Leader
Fundraising campaigns require volunteer leadership. It is an honor and a privilege to be asked. It is also a responsibility. While you may have a reputation as a “super hero” in the community, leading a fundraising campaign requires groundwork that you alone cannot build. Here are 12 things you need to be curious about before you say yes or no. Does the institution have a campaign plan? Is the proposed fundraising campaign an outgrowth of the strategic plan, or is it tied to the strategic … [Read more...]
Don’t Let Predatory Tax Loans Take Your Refunds
For many consumers, the New Year brings an annual effort to fi le taxes early enough to help pay off big bills, replace major appliances or tuck away a few bucks for the proverbial ‘rainy day’. With a continuing federal shutdowns, this year there are also an estimated 800,000 federal workers who have not had a payday. For these consumers, an early tax refund could cover basic living needs like housing, food, child care and utilities. And across the country, advertising – particularly on … [Read more...]
Protection from Medi-Cal Liens with a Trust
“Medicaid” is a federal program that enables states to provide medical assistance to impoverished individuals. It is administered by the respective states and goes by different names, according to the state involved. In California, the program is called “Medi-Cal” and last year there was a very important change: Medi-Cal liens are no longer placed on property held in a revocable living trust!! An individual’s entitlement to Medi-Cal benefits depends on the financial resources available to him … [Read more...]
Creating Your Nonprofit Business Plan
Part three of a three part series Does a nonprofit need a business plan? The answer is “yes.” With this column we share guidance from Bridget Ciaramitaro, experienced nonprofit planner, so you can get to work planning for the business success of your nonprofit. First, we asked Ciaramitaro, “what is a business plan for a nonprofit?” “A business plan builds upon the strategic plan. In some ways, the business plan determines the feasibility of implementing the strategic plan. I’ve heard it … [Read more...]
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