What Causes a Recession? The 3 Main Causes

Business owners and consumers alike dread the word “recession.” Recessions are periods in which many sectors of society face economic decline and many businesses struggle to stay afloat. These periods of economic decline touch nearly all sectors, and small businesses often see the biggest negative impact. In the U.S., under one widely used standard, a …

Buying a Home in a Rising Mortgage Rate Environment: 5 Steps to Make Your Search More Successful

You have worked hard to save up for a down payment, scrimping and saving to get out of that rental and into a home of your own. Now it is time to go house shopping, and right on schedule, mortgage rates start going through the proverbial roof. There is not much you can do to …

10 Tips for Protecting Your Identity from the Emerging Threat of SIM Swapping

When the internet was new, passwords were state of the art in personal protection. Back then, a strong password was all you needed to protect your accounts, your assets, and your identity, but the hackers have learned a great deal in the intervening years.   As hackers got better at guessing passwords and breaking encryption, …

Maintaining a Strong Company Culture With Remote Employees: Key Strategies for Leaders

Even before the start of the coronavirus pandemic, businesses worldwide were moving toward remote and hybrid workforces. With the rise in digital technologies and productivity tools, the trend of remote work continues to grow. In fact, by 2028, it’s estimated that 73 percent of all teams will have remote workers (1). This major shift in …

New Technology: Are You Ready to Do Away With Some Passwords and Increase Security?

Some prominent IT industry leaders are pushing to expedite the transition away from device passwords, replacing them by using cell phones as “passkeys.” The plan is to begin by taking advantage of alternative authentication technologies including biometrics that are already built into newer mobile devices and computers. How will mobile device passkeys work? You likely …

Beyond Refinancing: How Resetting Your Mortgage Could Save You a Ton of Money

When interest rates fall, the rush to refinance begins. Homeowners flood into their bank branches, clog up the telephone lines and fire up their email accounts, all in an attempt to lower their interest rate and save money on the monthly mortgage. Refinancing in a low interest rate environment certainly makes sense, but the process …