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October 2013
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What You Need to Know About Business Law
The basics of commercial legalities and where to seek additional information
Photo: What You Need to Know About Business Law
Owning a small business means navigating the many laws meant to regulate U.S. businesses. Among the categories of law that businesses should be aware of are advertising and marketing law, employment and labor law, finance law, intellectual property law, online business law, workplace safety and health law and privacy law.
How to Negotiate your Freelance Business Rates
Negotiate with confidence
by David H from

Becoming a freelancer is an attractive option for many professionals, but can you make it work for you?
One of the most critical steps involved in planning and growing your freelance business is setting your rates. However, when you are charging for a service, this is easier said than done and getting it wrong (either way) can compromise your worth, your cash-flow and your business.
Here are three tips for setting your freelance rates, structuring your pricing, and negotiating with clients.

Investment Tips from America’s Wealthy
Financial insights from the country’s most successful investors
Photo: Investment Tips from America’s Wealthy
When it comes to investing your money, you want to take the necessary steps that will give you the biggest return. For some of the best advice, it only makes sense to seek out tips from the individuals who successfully made their millions on good investments. Here are some tips from the wealthy to help you get started.
Make a Statement with Your eStatement
What going paperless says about you and how it can help you out
Photo: Make a Statement with Your eStatement
Are you one of the millions of banking and credit card customers who still receives a paper statement in the mail each month? Resisting the push from your financial institutions to switch to electronic statements that arrive in your e-mail inbox? You might want to consider making the change.
Five Surprising Automobile Values
These vehicles make for great investments, not to mention great rides
Photo: Five Surprising Automobile Values
Midsize SUVs aren’t the first category one might look at for value, but the 2013 RX450h – the “h” stands for hybrid – starts at an MSRP of $46,310 but made the US News and World Report’s Best Cars for the Money list because of its “outstanding fuel economy in a luxurious package” and “some of the best reliability ratings in its class.”
Halloween Candy Alternatives
Bypass the sugar for fun, colorful items kids (and parents) will love

Most any kid will say they want as much candy as they can round up when they knock on neighbor’s doors on Halloween. But getting overloaded with sugar isn’t the best plan. Some dentists around the country even have buyback programs where they offer prizes and other items for kids who turn in their Halloween candy stash. If you’re looking for some creative alternatives to passing out the sweet stuff, we have some ideas for you.
A Lifetime on Screen: Actors and Actresses with Long Careers
Favorite performers who stand the test of time

Some of our favorite actors and actresses are not the fly-by-night types that capture the spotlight for an intense but brief burst of fame. They are the ones who've stood the test of time with quality performances over many years. Here are a few examples of favorite actors who can boast of a lifetime of work on the big screen.
Five Tips for Sustainable Eating
Eat healthier by supporting locally grown products

Sustainable eating means eating whole foods that come from a local source. Most sustainable foods do not have labels and do not come in a box. In addition, they are foods that minimize harm to the environment during the growth and production process. Locally grown fruits and vegetables, as well as protein from animals that are raised in a humane way by independent farmers, are considered sustainable foods.
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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