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January 2013
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Simplifying Payroll
A summary of payroll options for small businesses

Photo: Simplifying Payroll
As a business owner, you often have to wear many hats, like hiring manager, customer service manager or vice president of operations. With all these responsibilities, itís hard to find the time to do whatís most important Ė building business and sales. One of the most time-consuming roles you may have to take on is payroll manager. Due to the time involved in processing payroll, calculating pay, setting up direct deposits and paying taxes, many employers are choosing to outsource payroll, freeing themselves to work on other aspects of their business.

The Quick Pitch
Short and sweet appeals to investors

Photo: The Quick Pitch
When it comes to pitching a company to potential investors, keeping an eye on the clock is of the utmost importance. Keeping your pitch short and sweet demonstrates awareness of the investorsí busy schedules; more important, it says a lot about your companyís leadership: You use time wisely, you believe in the inherent power of your product or service, and youíre not afraid to get right down to business.

7 Tips for Expanding Your Business In 2012
Manageable ways to help your company soar

Photo: 7 Tips for Expanding Your Business In 2012
The new year is a great time to focus on expanding your small business. Creating a plan and implementing each idea one step at a time might help your business grow in ways you never dreamed possible. Rome wasnít built in a day, but it certainly grew to be a robust city over time. The same can happen for your business. Just be consistent and remember that slow and steady wins the race.

5 Tips to Help You Retain Your Top Talent
Excellent employees are the backbone of your business

Photo: 5 Tips to Help You Retain Your Top Talent
Your employees are your businessís greatest assets. Keeping your best workers happy and fully engaged is extremely important to your success. Unfortunately, sometimes top employees fall under the radar and begin to lose their desire to keep performing as well as they did before. You may not recognize the signs until itís too late and youíve lost your employee to a competitor.

Wall of Savings Quotes
Keep these words of inspiration close

Photo: Wall of Savings Quotes
Some people think about saving money every day, others set long-term goals that they work on periodically while still others avoid the topic entirely. Most people, however, realize that saving money helps ensure a more comfortable future for oneself or loved ones, along with providing financial resources during times of need.

Android vs. iOS
The battle continues

The battle rages on between Android and Apple iOS. For consumers it can be confusing to go shopping, particularly since devices today have so many similarities. Plus, Android and iOS both inspire fierce loyalty, which is why it's important to do your homework before purchasing. If you're in the market for a new smart phone, consider the following before choosing an Android or Apple's iOS.

Five Tax Updates for Filing Your 2012 Taxes
Stay up to date with available tax credits and deductions

Whether you are filing a tax return for the first time or have been filing for decades, itís important to understand that tax laws change from one year to the next. Keeping up with current tax laws can help you take advantage of available credits and deductions, while also avoiding possible penalties. Here are some of the biggest updates for the 2012 tax year.

Tax Incentives for Electric and Plug-In Hybrid Vehicles
Consumers can take advantage of federal and state tax credits

Photo: Tax Incentives for Electric and Plug-In Hybrid Vehicles
With federal tax credits that can reach as high as $7,500 and additional tax rebates available from many states, purchasing an electric or electric/hybrid vehicle is an attractive option for many savings-minded individuals, not to mention those wanting to decrease their impact on the environment. The Nissan LEAF, the Fisker Karma and the Chevrolet Volt, for example, deliver savings at the time of purchase as well as fuel-cost savings down the road.

Going Green with Food
Purchasing locally sourced ingredients can lead to a healthier and more environmentally responsible lifestyle

More and more people are becoming aware of the environment and making a conscious effort to become more responsible. Without exception, food is one of the most important ways consumers can live a more efficient (and often healthier) lifestyle. A few simple changes can yield big results in your budget, health and environmental footprint.

Vail, Colorado
Pristine powder meets luxurious accommodations in this popular resort town

Vail covers 5,500 acres in Colorado, making it the largest single-mountain ski resort in the country. The rich and famous take to its slopes, as do plenty of locals. You can vacation in style at this wonderful winter playground.

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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