• April 2015

The Taxman Cometh

Yes, it’s that time of year when all small businesses have the opportunity to account for what went well last year, and to identify what needs to be fixed or changed.

Sure, filing taxes can be stressful, even emotionally painful. But as any business strategist knows, the ability to manage money is the key to small-business success.

So we offer some financial food for thought in the April 2015 issue of Be Inkandescent magazine.

  • Our Entrepreneur of the Month Michael Egan, CFP®, helps us take a bite out of the stress of filing our 2014 taxes. A founding partner of the financial services firm Egan, Berger & Weiner, LLC, he offers Seven Tips to Remember Before You File Your Taxes.
  • We welcome our newest Inkandescent PR client, Michael Vidikan and his firm, Future in Focus. In May, we’ll be launching his new magazine, which will give business owners insights into the international business and consumer trends that are shaping the future. Get a jump start with this month’s money-related brief on the future of Bitcoin.

  • We also asked Beatty’s business partner Michael Egan to offer thoughts about what we need to know about Millennials and Money. What do the Millennials think about this idea? Our Inkandescent Interns interviewed Virginia Commonwealth University senior Alberto Francese, a member of the Gamma Iota Sigma finance fraternity, who offered his perspective in this month’s Millennials column.
    Picture by our VCUarts photo intern, Anna Paige Gibbs
  • Last, but not least, in our Food column we address the controversial concept of the Fat Tax. Do you think the overweight among us should be taxed for their poor eating habits? Send us an email to chime in on the controversy.

We leave you with this parting thought from Warren Buffet: “I insist on a lot of time being spent, almost every day, to just sit and think. That is very uncommon in American business. I read and think. So I do more reading and thinking, and make fewer impulse decisions, than most people in business. I do it because I like this kind of life.”

Wishing you much wealth in your business, as well as your mind, body, and spirit. — Hope Katz Gibbs, publisher, Be Inkandescent magazine • founder, Inkandescent Public Relations

Discovering the Truth About Taxes

What does it take to be the master of your money? In this month’s feature article, we asked two entrepreneurs to offer their advice.

Scroll down for tax tips from Michael Egan, CFP® a founding partner at the Northern VA financial services firm Egan, Berger & Weiner, LLC.

Also below, you’ll find thoughts from Lisa McLeod, author of several best-selling books, including her latest, Selling with Noble Purpose. This small-business owner explains how she made peace with paying taxes.

And, we bring you additional tax advice from the finance experts at our new media partner, AllBusiness.com.

Wishing you prosperity and peace as you make your way to and through April 15.The Inkandescent TeamIllustrations by Michael Gibbs

Ready for Tax Season? Here Are Seven Tips to Remember Before You File Your Taxes

By Michael Egan, CFP®
Egan, Berger & Weiner, LLC

In our financial planning practice at Egan, Berger & Weiner, LLC, we do not prepare tax returns, but we do receive many tax-related questions around this time of year. Listed below are some important items that people tend to overlook when preparing their taxes. We hope that this information is helpful. As always, we recommend consulting a tax professional before you submit your tax return.

1. Retirement Plan Contribution Deadlines. You can still make an IRA or Roth IRA contribution for the 2014 tax year before April 15, or on your tax filing date, whichever comes first. The contribution limits for 2014 are $5,500, plus an extra $1,000 catch-up contribution if you are age 50 or older.

  • Remember that if you are making a traditional IRA contribution and you are not eligible for the deduction, you will need to file Form 8606 with your taxes.
  • If you are self-employed, you can still make employer contributions to an Indv(k) by your tax-filing deadline. This may include an extension — provided the plan was opened on or before 12/31/2014.
  • You can also make and/or establish SEP-IRA contributions on or before your tax-filing date.

2. Professional Service Fees. Remember to add up and total the fees you spend on professional services. They may be deductible. Fees for tax preparation, legal, and financial management services are deductible to the extent that they exceed 2 percent of your AGI (Adjusted Gross Income) and have not been phased out by your income limits.

3. Long-Term Care Premiums. These premiums may be tax deductible, provided that you purchased a “tax-qualified” plan. Your Long-Term Care premiums can be added to your medical expenses up to certain limits as follows (for 2014, per-person premium limits):

  • Age 51-60: $1,400
  • Age 61-70: $3,720
  • Over age 70: $4,660
    Medical expenses, including Long-Term Care premiums, may be deductible as an itemized deduction if they exceed 10 percent of your AGI. Note: The limit is for 7.5 percent of AGI if you or your spouse are age 65 or older.

4. Capital Gains. Do not forget to include your cost basis (which is what you have already paid taxes on) when filing your Form 1099.

If the securities were purchased more recently, the cost basis is probably included right on the 1099 itself. If the securities were purchased several years ago, then the cost basis will probably not be included on the 1099. One mistake that we notice people make very often when they do their own taxes is that they include the dividends and capital gains listed, but miss or do not include the “gross proceeds” section.

Then they receive a letter from the IRS stating that they owe a significant amount of money, simply because they forgot to include the sales and cost basis value for the securities on the tax return. Completing this step correctly the first time can save you considerable unnecessary stress.

5. 529 Plan Contributions. In most states, contributions to that state’s 529 college saving plan will allow you to receive a state tax deduction up to certain limits, provided you are a resident of that state. For example, a Virginia state resident who contributes to a Virginia 529 Plan, and who is also the owner of the plan, may qualify for the deduction.

6. Same-Sex Married Couples. Same-sex married couples may now file a joint return. If you were legally married in a state that recognizes same-sex marriage, you are now eligible to file a joint return with your partner.

7. Foreign Bank Accounts. The IRS and the government are really cracking down in this area of the financial sector, so do not forget to claim any foreign bank accounts. Failure to disclose assets held overseas may result in serious consequences and possible prison sentences.

To learn more about Michael Egan, click here.

How I Reframed Paying My Taxes: Why Self-Talk Matters

By Lisa Earle McLeod
Keynote Speaker and Author
McLeod & More, Inc.

With taxes due this month, here’s something to consider: Do you like paying taxes? I own my own business, which means I write quarterly checks to the IRS. And I confess, in the past I didn’t enjoy paying them. Every Friday we have a meeting to go over the cash flow, the receivables, and the projected revenues. We also track our tax liability — at the top right corner of the weekly report is an account labeled “Taxes.”

We set aside a chunk of every check to cover taxes so that we won’t come up short at the end of the month. After several years of business ups and downs, this has been our best year ever. I’m grateful. Yet as we made more money, the number in the Taxes account grew bigger, too, and I found myself getting more and more frustrated.

I often found myself saying, “I can’t believe we have to send that much of our money to the government.” I didn’t like how that statement made me feel. I was turning into a curmudgeon.

Then one day it clicked: I have to pay taxes whether I like it or not; why am I creating such a negative experience for myself? So we changed the name on the ledger from “Taxes” to “America’s Money.” The next week when we went over the reports, the difference in our attitude was amazing. The conversation went something like this, “Here’s the income, here’s the cash, here are the receivables, and here’s America’s money. Wow, she’s doing great!”

All of a sudden there was a shift in my perception. I realized that this wasn’t our company’s money, it was my country’s money. We began to feel like proud sponsors as we fantasized about the possibilities. What was America going to buy with our money? Holy cow, we almost had enough to pay for a teacher, or a soldier’s rehab. The line item was no longer depressing; it was exciting.

Perhaps you’re reading this and thinking, “She is out of her mind! Doesn’t she know how much money our government wastes?” The answer is yes, I do know that our government wastes money, and I don’t agree with everything it spends tax dollars on.

But that’s a different conversation, a political conversation. This is a personal conversation about how you can feel great about doing something you have to do anyway. Changing the name on the account from “Taxes” to “America’s Money” reframed our thinking. We went from loathing that line on the worksheet to being proud of it. Sure America wastes money, but I mentally earmarked our tax money for things we feel great about. As the account grew, we found ourselves getting more and more excited. My husband says what we did “made us feel more patriotic; it loosened our attachment to the money.”

The bottom line is this: There’s a price to be paid for everything. You can whine about it, or you can enjoy it. Being a parent costs you time and money, being married costs you some personal freedom, and doing business in America means that you have to pay taxes.

Quite frankly, I think it’s a bargain. When I look around at the rest of the world, the checks I write to my country are a price I’ll happily pay. Now when I send in a check for the quarterly taxes we owe, I sign it with a flourish. It’s America’s money and I’m damn proud to send it to her. You go to work, you make the dinner, you raise your kids, and you pay your taxes. In the end, you’re the one who decides whether those are good things or bad things. Learn more about Lisa McLeod here.

Are You a Small and Growing Business?

From the Finance & Accounting Center

Taxes are one of the most important issues facing small and growing businesses. And like a company’s profits, its annual tax bill will in part reflect the owner’s skills and knowledge. Business owners need to be sure that they are meeting all of their responsibilities to the taxman — and also seizing every opportunity to reduce their taxes.

1. Deductions: Businesses can deduct all “ordinary and necessary” business expenses from their revenues to reduce their taxable income. Some deductions are obvious — expenditures in such areas as business travel, equipment, salaries, or rent. But the rules governing write-offs aren’t always simple.

2. Employee Taxes: If a business has employees, a variety of taxes will have to be withheld from their salaries. Among them are withholding, employer matching, and unemployment tax.

Click here to read more Tax Tips for Entrepreneurs.

Top 10 Tax Tips for Small and Growing Businesses

From the Finance & Accounting Center

by Michael Gibbs

Taxes are one of the most important issues facing small and growing businesses. And like a company’s profits, its annual tax bill will in part reflect the owner’s skills and knowledge. Business owners need to be sure that they are meeting all of their responsibilities to the tax man — and also seizing every opportunity to reduce their taxes.

1. Deductions: Businesses can deduct all “ordinary and necessary” business expenses from their revenues to reduce their taxable income. Some deductions are obvious — expenditures in such areas as business travel, equipment, salaries, or rent. But the rules governing write-offs aren’t always simple. Don’t overlook these other two potential deductions:

  • Business losses. Business losses can be deducted against a business owner’s personal income to reduce taxes. If a business owner’s losses exceed personal income for the year, some of the year’s business losses can be used to reduce taxable income in future years.
  • Trips that combine business and pleasure. If more than half of a business trip is devoted to business, deduct the traveling costs, as well as other business-related expenses.

2. Employee Taxes: If a business has employees, a variety of taxes will have to be withheld from their salaries. Among them are:

  • Withholding. Social Security (FICA), Medicare, and federal and state income taxes must be withheld from employees’ pay.
  • Employer matching. Businesses must match the FICA and Medicare taxes and pay them along with employees.
  • Unemployment tax. Businesses must pay federal and state unemployment taxes.

3. Quarterly Estimated Taxes: This area trips up many an entrepreneur and is especially vexing for home-based businesses. Failure to keep up with estimated tax bills can create cash flow problems and has the potential for punishing IRS penalties.

Among the issues are:

  • Who should pay? A business probably must pay quarterly estimated taxes if the total tax bill in a given year will exceed $500.
  • How much should you pay? By the end of the year, either 90 percent of the tax that is owed or 100 percent of last year’s tax must be paid (the figure is 110 percent if a business’ income exceeds $150,000). Businesses can subtract their expenses from their income each quarter and apply their income tax rate (and any self-employment tax rate) to the resulting figure (their quarterly profit).

4. Sales Taxes: Most services remain exempt from sales tax, but most products are taxable (typical exceptions are food and drugs). If a business owner sells a product or service that is subject to sales tax, he or she must register with the state’s tax department. Then taxable and nontaxable sales must be tracked and included on the company’s sales tax return.

Having what is considered a “presence” in a state is the criteria used by the IRS to determine whether or not you are liable for paying state sales tax.

If you do not have a physical presence in another state, but sell items via the Internet or by catalog in that state, you can be subject to a state’s “use tax,” but typically not to its sales tax. A “presence” in another state does not necessarily mean that you have a retail outlet in that state. If you have an office, warehouse, or employees working for you in that state, the IRS may consider you to have a presence in that state. Make sure you are aware of your sales tax responsibilities in all states in which you are doing business.

5. Record-Keeping. Keep tax documents for at least seven years. Good record-keeping saves money. Some things — such as copies of business tax returns, licenses, incorporation papers, and capital equipment expenses — should be preserved indefinitely. Keep any tax-related documents (e.g., expense receipts, client 1099 forms, and vehicle mileage logs) for a minimum of seven years.

6. Charitable Contributions. Unless your business is a C corporation, charitable contributions typically “flow through” the business and are claimed as deductions on the individual tax returns of the shareholders of the company. That’s true whether you’re running a sole proprietorship, partnership, limited liability corporation, or S corporation.

If you want to get the maximum tax benefits from charitable contributions, you should know these basic rules:

  • Only contributions to charities listed as “qualified organizations” by the IRS are deductible. Consult IRS Publication 78 for a list of qualified organizations, or search online at the IRS home page.
  • Contributions of more than $250 require a letter of receipt from the qualified organization. For contributions of less than $250, a canceled check is sufficient.
  • In general, donations of property can be deducted for their fair market value at the time of the contribution. You cannot deduct a contribution that has already been written off as a depreciated asset.
  • You cannot deduct the value of time or services that you volunteer.
  • You cannot deduct the part of a contribution that benefits you. If you receive a gift in exchange for a charitable donation, for example, you can deduct only the amount of the contribution that exceeds the value of the gift.
  • In general, you can deduct contributions only in the year you make them. Pledged contributions cannot be deducted until they are actually paid.

7. Important Tax Deadlines for Businesses. April 15 isn’t the only important tax date for business owners. The following dates are also important:

  • Annual returns. Most annual returns are due April 15 for unincorporated companies and S corporations. C corporations must file annual corporate returns within two-and-a-half months after the close of their fiscal year.
  • Estimated taxes. Estimated taxes are due four times a year: April 15, June 15, September 15, and January 15.
  • Sales taxes. Sales taxes are due quarterly or monthly, depending on the rules in your state.
  • Employee taxes. Depending on the size of your payroll, employee taxes are due weekly, monthly, or quarterly.

8. Business Loans. Most business loans are not considered business income. One notable exception is a situation in which you negotiate with a creditor or lender to reduce your debt. If any debt is forgiven, you will owe taxes on this amount.

On the other hand, business loans can offer substantial tax benefits. The principal and interest you pay on your loan are business expenses, and you can deduct them from your taxes as such. In order to take advantage of a tax deduction, you must report the total amount of the loan, and the assets and expenditures financed must be necessary to operating the business.

9. Tax Audits. The very thought of an IRS audit is enough to make most business owners break into a cold sweat. But not all audits are created alike: There are several different types of tax audits, ranging from simple requests for a particular piece of information to comprehensive reviews that cover every aspect of a business.

  • Correspondence audit. This is a relatively simple procedure in which the IRS asks you to document an item on your return by a specified date. This is usually a routine test for compliance with certain items on your return.
  • Office audit. The IRS may ask you to report to a nearby IRS office and document one or more items on your return. You may be able to send them copies of this proof in advance of the appointment and resolve the issue without actually going to the office.
  • Field audit. This is the audit most people dread. The IRS will ask you to provide documentation of various items on your return and to meet with an IRS agent for a thorough review of your records. Be prepared to answer the auditor’s questions, but don’t volunteer information.
  • Taxpayer Compliance Measurement Program audit. This rather lengthy and detailed audit asks you to document and prove every single item in your return. The IRS and Congress use the data from these audits for research and statistical purposes. These audits are arbitrary, and anyone can face them regardless of how carefully they prepare their tax returns.
  • Criminal investigation audit. If you are suspected of tax evasion, the IRS will conduct a criminal-investigation audit. If they prove that you have purposefully not paid your income taxes, you can face substantial fines and even jail time. Obviously, you should retain qualified legal counsel if you face this type of audit.

10. The IRS. Be sure to review the information at the IRS Small Business and Self-Employed Tax Center www.irs.gov, which provides a wealth of information to small and growing businesses. Its handy checklist includes information on choosing a business structure, employee taxes, and business tax deductions.

For more information, visit the Finance & Accounting Center at AllBusiness.com

Spend the afternoon. You can’t take it with you.”

– Annie Dillard

There is little success where there is little laughter.”

– Andrew Carnegie

Pain is inevitable. Suffering is optional.”

– Dalai Lama

Some things are destined to be—it just takes us a couple of tries
to get there.”

– J.R. Ward, Lover Mine

Speaking more than one language is no longer just an asset in today’s job market; it is a requirement.”

– Tom Adams, CEO, Rosetta Stone

You don’t love someone because of their looks or their clothes or their car. You love them because they sing a song only your heart can understand.”

– L.J. Smith

Instead of loving your enemies, treat your friends a little better.”

– Edgar W. Howe

A great secret of success is to go through life as a man who never gets used up.”

– Albert Schweitzer

Letting go of expectations is a ticket to peace. It allows us to ride over every crisis—small or large—like a beach ball on water.”

– Martha Beck

Inspiration and genius — one and the same.”

– Victor Hugo

Hope sees the invisible, feels the intangible, and achieves the impossible.”

– Helen Keller

Success is about finding a livelihood that brings joy, self-sufficiency, and a sense of contributing.”

– Anita Roddick

Tell me, what is it you plan to do with your one wild and precious life?”

– Mary Oliver

Everyone is a mirror image of yourself—your own thinking coming back at you.”

– Byron Katie

Let us seize the day and the opportunity and strive for that greatness of spirit that measures life not by its disappointments but by its possibilities.”

– W.E.B. Du Bois

A man without a smiling face
 should not open a shop.”

– Chinese Proverb

Running that first shop taught me business is not financial science; it’s about trading.”

– Anita Roddick, founder, The Body Shop

If it isn’t good, let it die. If it doesn’t die, make it good.”

– Ajahn Chah

Nothing is a mistake. There’s no win and no fail. There’s only make.”

– Corita Kent

The less effort, the faster and more powerful you will be.”

– Bruce Lee

My goal was to tell the life side of the story. We have become a nation of voyeurs that expect sensationalism, and that offends me.”

– Kathleen Jo Ryan

Things don’t change. You change your way of looking, that’s all.”

– Carlos Castaneda

‎No one is useless in this world who lightens the burden of another.”

– Charles Dickens

In the middle of difficulty lies opportunity.”

– Albert Einstein

Only those who will risk going too far can possibly find out how far one can go.”

– T.S. Eliot

We are perfectionists. We are hungry to work all the time. We are entertained by every aspect of business and we never want to stop working.”

– Suzy Welch

A man who strikes first admits that his ideas have given out.”

– Chinese Proverb

Patience and perseverance have a magical effect before which obstacles vanish.”

– John Quincy Adams

By your stumbling the world is perfected.”

– Sri Aurobindo

If people like you they’ll listen to you; if they trust you, they’ll do business with you.”

– Zig Ziglar

Anything not worth doing well is not worth doing.”

– Warren Buffett

Tolerance and patience should not be read as signs of weakness. They are signs of strength.”

– The Dalai Lama

Traveling is one way of lengthening life, at least in appearance.”

– Benjamin Franklin

That man is richest whose pleasures are the cheapest.”

– Henry David Thoreau

No matter how difficult and painful it may be, nothing sounds as good to the soul as the truth.”

– Martha Beck, from "Leaving the Saints"

If you limit your choices only to what seems possible or reasonable, you disconnect yourself from what you truly want, and all that is left is compromise.”

– Robert Fritz

The curious paradox is that when I accept myself just as I am, then I can change.”

– Carl Rogers

Don’t judge each day by the harvest you reap, but by the seeds you plant.”

– Robert Louis Stevenson

He who wants to tear down a house must be prepared to rebuild it.”

– African Proverb

Only those who will risk going too far can possibly find out how far one can go.”

– T.S. Eliot

Normal day, let me be aware of the treasure you are. 
Let me not pass you by in quest of some rare and perfect tomorrow.”

– Mary Jean Irion

Do not follow where the path may lead. Go, instead, where there is no path and leave a trail.”

– Ralph Waldo Emerson

The best hobbies are the ones that take us furthest from our primary occupation.”

– Dr. Evelyn Vogel, Dexter

The mind is everything. What you think, you become.”

– Buddha

Ambition is the germ from which all growth of nobleness proceeds.”

– Thomas Dunn

Simplicity is the ultimate sophistication.”

– Leonardo da Vinci

Our deepest wishes are whispers of our authentic selves. We must learn to respect them. We must learn to listen.”

– Sarah Ban Breathnach

Just don’t give up trying to do what you really want to do.
Where there is love and inspiration, I don’t think you can go wrong.”

– Ella Fitzgerald

When you are asked if you can do a job, tell ‘em, ‘Certainly I can!’ Then get busy and find out how to do it.”

– Theodore Roosevelt

Remove those ‘I want you to like me’ stickers from your forehead
and, instead, place them where they truly will do the most good—on your mirror.”

– Susan Jeffers


Managing the Peaks and Valleys of Cash Flow

Regardless of your current cash flow situation, it is a good idea to take stock of the cash management tools at your disposal, explains PNC Bank’s Tricia Mininger.



LouAnn Lofton, Author of "Warren Buffett Invests Like a Girl," Knows the Value of Investing Wisely

In her best-selling book, she explains what we need to know to be money-smart, too.



Four Finalists Named for Prestigious George Washington Book Prize

On May 20, we’ll learn which of four authors wins the 2015 George Washington Book Prize. One of the nation’s largest and most prestigious literary awards, the George Washington Book Prize recognizes the best new books on early American history.


Estate Planning

Empower Yourself With a Power of Attorney

Are you confused about the concept of giving someone Power of Attorney (POA)? In fact, it has nothing to do with delegating power to a lawyer or an attorney-at-law.



Michael Egan on Millennials and Money — What They Need to Know

Are you ready to unlock the potential of saving for retirement? By the time you reach your 20s, it’s time to get serious about planning ahead for your future, says Certified Financial Planner™ Michael Egan.



The Fat Tax Continues to Generate Controversy

The goal of a fat tax — a tax or surcharge placed on fattening food and beverages, or on overweight individuals — is to discourage unhealthy diets and offset the economic costs of obesity. The controversial idea has been debated for decades.



The Future of Bitcoin

The virtual currency Bitcoin is a mere speculative bubble, or it’s a force set to transform the financial world, depending on whom one asks. Created in 2009, it is in its early stages, and its future is still unclear. Explore three potential scenarios for the future of this fascinating currency.



April Happiness = Lighten Up

This month, try singing in the morning, acknowledging others’ feelings, and taking time for projects. Fun!



When Is It a Good Time to Ask for a Raise?

“The time to ask for a raise is when you’ve just done something so wonderful that the organization knows it can’t afford to lose you,” says Hiring expert Barbara Mitchell. “However, how often does that happen in anyone’s career?”



John Gray Makes History Fun for Kids

Talk about financial responsibility. Seasoned museum professional John Gray presides over the $34 million annual budget that keeps us coming back to view the artifacts, culture, and kitsch at the Smithsonian’s National Museum of American History.



A Room With a ReView: Grove Isle Hotel and Spa, Coconut Grove, FL

Looking for a great place to spend your tax refund this year? This tiny Miami retreat along beautiful Biscayne Bay provides the perfect weekend getaway.


Intuition Rules

The Intuitive Investor: How to Translate Intuition From Serendipity to Tool

Jason Voss, CFA, author of “The Intuitive Investor,” suggests ways readers can translate intuitive sensations into information they can act on.


Hope Katz Gibbs
Art Director
Michael Glenwood Gibbs
Website developer
Max Kukoy
Managing Editor
Kathleen McCarthy
Assistant Editor
Juliana Rodriguez
Editorial Interns
Meet our 2015 team

http://www.weaversway.coop http://www.beinkandescent.com/tips-for-entrepreneurs/236/nell-merlino-s-tips-for-entrepreneurs http://www.beinkandescent.com/entrepreneur-of-the-month/893/Maria+Bartiromo http://www.beinkandescent.com/entrepreneur-of-the-month/974/dont+sweat http://www.beinkandescent. com/tips-for-entrepreneurs/586/ I%27ll+Mature+When+I%27m+Dead http://www.beinkandescent.com/tips-for-entrepreneurs/1272/Seth+Goldman http://www.beinkandescent.com/entrepreneur-of-the-month/2100/Montpelier http://www.beinkandescent.com/tips-for-entrepreneurs/359/steven-schussler-s-5-ps-for-business-success-personality-product-persistence-people-philanthropy www.houseofsteep.com http://www.beinkandescent.com/entrepreneur-of-the-month/2082/what-will-your-second-act-be http://www.beinkandescent.com/tips-for-entrepreneurs/1870/dr+ruta+aidis http://www.beinkandescent.com/tips-for-entrepreneurs/270/jonathan-alter-s-tips-for-entrepreneurs http://www.beinkandescent.com/tips-for-entrepreneurs/401/robert-s-rules-for-non-profits-businesses-volunteers-and-donors http://www.currysauto.com http://www.beinkandescent.com/tips-for-entrepreneurs/653/guy-kawasaki-s-journey-to-enchantment http://www.beinkandescent.com/tips-for-entrepreneurs/1202/3-ways-to-become-more-empathetic http://www.beinkandescent.com/entrepreneur-of-the-month/954/martha-beck-helps-you-find-your-way-in-a-wild-new-world http://www.beinkandescent.com/tips-for-entrepreneurs/1763/how-to-create-a-lean-in-circle http://www.beinkandescent.com/tips-for-entrepreneurs/1897/mob-rules-what-former-heist-expert-louis-ferrante-can-teach-you http://www.beinkandescent.com/tips-for-entrepreneurs/323/the-magic-of-blackboard-inc http://www.inkandescentpr.com http://www.theessentialhrhandbook.com http://www.beinkandescent.com/entrepreneur-of-the-month/2163/holy-bagumba-kate-dicamillo-s-flora-ulysses-takes-readers-on-an-incandescent-adventure-costco-connection http://www.beinkandescent.com/tips-for-entrepreneurs/1737/Zieglers+7+Tips http://www.beinkandescent.com/tips-for-entrepreneurs/653/guy-kawasaki-s-journey-to-enchantment http://www.beinkandescent.com/tips-for-entrepreneurs/205/muhammad-yunus-tips-for-entrepreneurs http://www.beinkandescent.com/tips-for-entrepreneurs/781/alan-webber-s-favorite-rules-for-2012-and-beyond http://www.beinkandescent.com/entrepreneur-of-the-month/2055/the-fun-of-paying-it-forward http://www.inkandescentspeakers.com http://www.beinkandescent.com/tips-for-entrepreneurs/561/starbucks-rules http://www.beinkandescent.com http://trulyamazingwomen.com http://www.crewscontrol.com http://www.beinkandescent.com/tips-for-entrepreneurs/21/julie-s-tips-for-entrepreneurs http://www.beinkandescent.com/tips-for-entrepreneurs/426/insights-on-business-from-the-rosetta-stone http://www.beinkandescent.com/tips-for-entrepreneurs/461/business-tips-from-the-love-doctor http://www.beinkandescent.com/tips-for-entrepreneurs/530/to-everything-turn-turn-turn-roger-and-camilla-mcguinn-s-tips-for-entrepreneurs http://www.beinkandescent.com/tips-for-entrepreneurs/1462/government+rules http://www.beinkandescent.com/tips-for-entrepreneurs/1918/dr-andrew-weil-s-tips-for-achieving-emotional-well-being http://www.beinkandescent.com/tips-for-entrepreneurs/102/the-bognet-way http://www.beinkandescent.com/tips-for-entrepreneurs/736/the+four+generations http://www.beinkandescent.com/tips-for-entrepreneurs/2229/science-of-gratitude http://www.beinkandescent.com/tips-for-entrepreneurs/299/dr-ben-carson-offers-advice-for-entrepreneurs-on-how-to-conduct-a-best-worst-analysis http://www.inkandescentnetworking.com http://www.beinkandescent.com/tips-for-entrepreneurs/152/tactical-tips-from-gina-schaefer http://www.weaversway.coop http://www.beinkandescent.com/tips-for-entrepreneurs/501/lee+woodruff+tips http://www.beinkandescent.com/entrepreneur-of-the-month/650/guy-kawasaki-s-enchantment-the-art-of-changing-hearts-minds-and-actions http://www.beinkandescent.com/entrepreneur-of-the-month/1163/what-it-means-to-have-it-all-insights-from-52-truly-amazing-women-and-some-amazing-men http://www.beinkandescent.com/tips-for-entrepreneurs/2201/can-lsd-and-ecstasy-help-us-harness-the-power-to-heal www.bartlettpearinn.com http://inkandescentnewsletters.com http://www.beinkandescent.com/tips-for-entrepreneurs/1702/marketing-professor-raj-sisodia-on-the-future-of-business-success http://www.beinkandescent.com/entrepreneur-of-the-month/650/guy-kawasaki-s-enchantment-the-art-of-changing-hearts-minds-and-actions http://www.beinkandescent.com/tips-for-entrepreneurs/1819/mansour-javidan-s-tips-for-successful-global-leaders http://www.beinkandescent.com/entrepreneur-of-the-month/2147/andy-hines-shines-a-light-on-the-future-of-the-workforce http://www.beinkandescent.com/tips-for-entrepreneurs/183/ted-leonsis-tips-for-entrepreneurs http://beinkandescent.com/back-issues?q=2011-10 http://www.theinkandescentradioshow.com http://www.beinkandescent.com/entrepreneur-of-the-month/1966/selling-with-noble-purpose-what-you-need-to-know http://www.beinkandescent.com/tips-for-entrepreneurs/447/a-look-inside-the-nature-conservancy http://www.sharonarmstrongandassociates.com http://www.andyhinesight.com/ http://www.beinkandescent.com/articles/?c=hiring http://www.beinkandescent.com/entrepreneur-of-the-month/818/reebok-s-president-uli-becker-jumpstarts-the-shaping-up-of-america http://www.beinkandescent.com/entrepreneur-of-the-month/2041/PR+Rules http://inkandescentnetworking.com/index.php?s=host-directory http://www.beinkandescent.com/entrepreneur-of-the-month/1007/the-science-of-healing http://www.pr-rules.com http://www.beinkandescent.com/entrepreneur-of-the-month/1987/darrah-cloud http://www.beinkandescent.com/tips-for-entrepreneurs/1288/do-you-have-the-barefoot-spirit-here-s-are-11-ways-to-harness-it http://www.beinkandescent.com/tips-for-entrepreneurs/1791/7+Top+Dog+Tips http://inkandescentnetworking.com/?s=network http://artatlargeinc.com/ http://www.beinkandescent.com/tips-for-entrepreneurs/1849/Charting+the+Course http://inkandescentpr.com http://www.inkandescentnetworking.com http://www.beinkandescent.com/entrepreneur-of-the-month/1127/entrepreneurs-in-education http://www.beinkandescent.com/entrepreneur-of-the-month/1058/michael-gerber-takes-us-inside-the-dreaming-room http://www.beinkandescent.com/entrepreneur-of-the-month/2100/Montpelier http://www.beinkandescent.com/tips-for-entrepreneurs/2230/what-can-entrepreneurs-do-to-fight-for-human-rights-karen-hanrahan-explains http://www.beinkandescent.com/tips-for-entrepreneurs/714/wannabe-fools http://www.beinkandescent.com/entrepreneur-of-the-month/1924/michael-franti http://www.beinkandescent.com/tips-for-entrepreneurs/620/unleash-your-potential http://www.beinkandescent.com/entrepreneur-of-the-month/1081/Pamela+Hartigan http://www.beinkandescent.com/entrepreneur-of-the-month/863/ridley-pearson-lights-up-the-sky http://www.beinkandescent.com/tips-for-entrepreneurs/690/good-ideas-optimism-and-a-healthy-splash-of-doing-good-success


Best Practices Proposed for Advisers and Brokers Seeking to Meet True Fiduciary Standard

“These best practice standards would go a long way toward protecting the public and cleaning up the industry of ‘bad actors’ and bad practices,” says Bryan D. Beatty, CFP®, AIF®.



20-Somethings + the Art of Managing Their Own Money

“Millennials and money. The words flow right out of my mouth, just like my money flows out of my bank account,” says Eurah Jessica Lee, host of the “Millennials Radio Show.”



Whom Do You Need to Meet?

There is no point spending money on attending networking events if people don’t remember you were there! Here are 8 Ways to Be Memorable at Networking Events.



Philanthropists' Advocate Helps Them Choose Their Charities Wisely

The future is not bright for many nonprofits, says Lisa Anne Thompson Taylor, but there is an up side: “The future of philanthropy will be for nonprofits to see themselves as equal partners, not as entitled recipients.”


PR Rules

How Much Should You Spend on Your Ad Campaign?

In “PR Rules: The Playbook,” you’ll learn what percent of gross sales you can expect to spend on advertising, and how to spend that money wisely.


Public Speaking

The Business Pitch: Think of It Like an Audition

Thinking of your business pitch like an audition for new business can help grow your success, say public speaking coaches Hilary Blair and Robin A. Miller of ARTiculate Real & Clear. Here’s why.


Inkandescent Radio

"Red Tent" Author Anita Diamant Scores Another Hit With "The Boston Girl"

If you picked up and devoured Anita Diamant’s “The Red Tent,” you’ll want to add her latest best-seller to your reading list. First take a listen to our podcast interview.



10 Powerful — and Simple — Body Language Tips

Leadership expert Carol Kinsey Goman offers 10 powerful, simple and sometimes surprising body language tips derived from research studies in the fields of psychology, neuroscience, sociology, communications, and more.



Howard Pressman on the Facts About Paying for College

When he talks with parents about how they plan to pay for college, the advice Howard Pressman, CFP® gives is always the same: “Prioritize your retirement above your kids’ college.”


Speakers Bureau

Speaker of the Month: Sheldon Weiner

If you are concerned that during your retirement years your money will run out, you are not alone, explains financial advisor Sheldon Weiner. In fact, he says, surveys show many people “fear outliving their money more than they fear death.”


Inkandescent TV

Dave Beck Featured on "Let's Talk Live": Do You Have a Child With Special Needs?

If you have a child with special needs, planning ahead for his or her financial future is complex, knows insurance agent Dave Beck. On this episode of “Let’s Talk Live,” he discusses 3 things parents of children with special needs should know.



Wealth Management Rules: 12 Tips to Help You Harness Your Financial Know-How

Want to hire a wealth manager, but don’t know where to begin? Try Rita Cheng’s eBook!


To learn more about becoming a client of Inkandescent Public Relations, or becoming a Be Inkandescent Magazine columnist. send an email to publisher and founder Hope Katz Gibbs at hope@inkandescentpr.com.

Here’s to your incredible, indelible, Inkandescent success!