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December 2012
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Getting Started with a Small Business
Choosing a location and acquiring equipment

Photo: Getting Started with a Small Business
Whether you are starting or moving a small business, the choice of location needs to be carefully researched. The impacts of a business’s location are far-reaching and sometimes unexpected. Finding the right one can save you money on taxes or attract the types of clients and employees that are ideal for your company. Consider the following points when selecting your business location to ensure that you make the best choice for your business.
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Independent Contractor vs. Employee
How do you determine if a worker is an employee or an independent contractor and why do you care?
by Gina Willard


The determination can be complex but not knowing could end up in huge costs to your business. It’s based on whether the person or business for whom the services are performed has the right to control how the worker performs those services.  It is not based merely on how the worker is paid, how often or whether the work is part-time or full-time.

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Emergency Management Plans
Setting up communications and other contingencies is important for small businesses

Photo: Emergency Management Plans
Minimizing the risks facing your small business requires a lot of planning. One often-overlooked area is setting up an emergency management/disaster relief plan. The U.S. Small Business Association (SBA.gov) cautions business owners that, “according to the Institute for Business and Home Safety, an estimated 25 percent of businesses do not reopen following a major disaster.”
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How Married Couples Can Share Financial Management and Planning Responsibilities
Three steps toward building financial equality in your household

Photo: How Married Couples Can Share Financial Management and Planning Responsibilities
Creating financial equality is important for all married couples, not just those who argue about money or are experiencing financial difficulties. Learning to handle money together brings many benefits to any marriage. Money can certainly be a source of tension, but refusing to talk about it will only postpone, not prevent, conflict. Establishing equal footing in your family’s finances can strengthen your relationship and ensure that you are both well-equipped to handle any obstacles that arise. Here are three steps for achieving this goal.
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Conserving Heat and Saving Money
Ten tips for saving on heating costs through the winter months


Heat and energy costs can skyrocket during the winter months, wreaking havoc with the family budget. Keep heating costs in line by conserving heat as much as possible when the weather turns cold.
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Exercise Outdoors in a Winter Wonderland
Try these tips to enjoy cold-weather workouts


When crisp fall weather turns to bitter winter cold, it’s tempting to huddle up inside with a cup of cocoa and wait for warmer days to return. But there’s no reason cold weather should stop your exercise routine, or even drive you indoors. There’s plenty of frosty fun in outdoor winter exercise.
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Winter Holiday Movies on Television
Movies celebrate the most wonderful time of the year


Get some hot chocolate and gingerbread cookies, settle back in your favorite couch or chair and enjoy a holiday movie on television. This year’s lineup of holiday movies is a good one that will make you laugh, cry and reminisce about past good times. Here are five guaranteed to put you in a festive mood.
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Sundance Resort, Utah
Robert Redford's retreat draws both artists and outdoor enthusiasts


When Robert Redford purchased Timphaven Ski Resort in 1969, he envisioned a retreat focused on environmental conservation and artistic experimentation. Sundance Resort now spans 6,000 acres and offers deluxe accommodations, as well as superior indoor and outdoor activities.
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Five Super-Safe Cars
When safety is a priority, these vehicles deliver

Photo: Five Super-Safe Cars
Smart car buying begins with a set of criteria. Is it fuel efficiency you’re looking for? How about reliability? Cool infotainment features? Chances are, when you’re in the market for a new ride, there will be several attributes on your most wanted list, and, chances are, safety will be at or near the top.
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Published by SCE Federal Credit Union
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  
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