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September 2013
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Effective Business Planning
Strategic business planning is crucial to success, especially when done right
Photo: Effective Business Planning
Business planning is crucial to a companyís success, especially when the process is undertaken strategically. Effective business planning, and the written business plans that result from it, begin with considering the important questions about oneís company and oneís industry and continue with conservative budgeting, brutal honesty, straightforward language, visual creativity and the strategic input of professionals.
[FULL STORY]
Affordable Care Act
Myth vs. Fact: The Affordable Care Act and Small Business
by Meredith K. Olafson as posted on SBA.gov

As a business owner, it's important to understand how the Affordable Care Act may affect your business. However, with so many misconceptions about how the Affordable Care Act works, this can be difficult.
As part of our ongoing blog series, "Myth vs. Fact: The Affordable Care Act and Small Business," this week we're debunking another common myth: Business owners will be fined if they don't provide notification to their employees about the new Health Insurance Marketplace.

[FULL STORY]

Ten Money-Saving Small Business Tips
Tips and tricks to cut costs in your small business
Photo: Ten Money-Saving Small Business Tips
While all business owners are on the constant lookout for new ways to save money, it is especially important for those running small businesses. Owners of small businesses typically operate under very tight budgets, so even small savings can make a big difference in the bottom line. If youíre a small business owner trying to increase your profits, consider these 10 ways to cut costs.
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Benefits of Hiring a Financial Planner
When to seek help and what a certified financial planner can do for you
Photo: Benefits of Hiring a Financial Planner
Taking control of your finances and setting the goal to become more financially stable is an honorable endeavor that can have a significant impact on your quality of life.
[FULL STORY]
Four Reasons to Bank Online
Update your banking style and find big savings
Photo: Four Reasons to Bank Online
If youíre like most modern Americans, you do much of your shopping online. Now, more and more people arenít just spending their money online, theyíre keeping it there practically full-time by using the online features offered from their financial institutions. Online banking and online shopping are similar in many ways: they are easy to use, highly accessible, allow you to remain seated comfortably at home and can even help you save money. Here are four reasons to check out the online offerings from your financial institution.
[FULL STORY]
Is an Electric Vehicle Right For You?
The answer depends on your lifestyle and priorities
Photo: Is an Electric Vehicle Right For You?
With cost savings and performance, and environmental benefits, electric vehicles offer an exciting alternative to gasoline-powered and hybrid vehicles. Still, consumers should consider certain factors before making a purchase, as driving habits, living situation and the ability to pay upfront costs all affect whether an electric car is a convenient or budget-friendly purchase.
[FULL STORY]
Health Benefits of a Mediterranean Diet
A tasty and beneficial dietary change thatís not a fad

Research continues to show that people living around the Mediterranean Sea live longer and develop fewer health problems than Americans. Not only is their diet delicious and flavorful, their lifestyle is less stressed because they include leisurely dining and regular physical activity.
[FULL STORY]
Listening to Music Online: What Are Your Options?
Get your groove on at these popular sites

One of the best things about surfing the Internet is finding a free music site. Fortunately for music lovers, there are numerous free online music sources. From Taylor Swift to The Beatles and everything in between, you'll find a wide variety of music listening possibilities at these five sites.
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Seattle, Washington
Enjoy upscale accommodations, foodie adventures and more in this Pacific Northwest city

Despite its hipster leanings, Seattle offers plenty for upscale travelers to see and do. Stay at a luxury hotel, enjoy innovative cuisine, and take in the arts and culture this West Coast city has to offer.
[FULL STORY]
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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