Wells Fargo

GiftYou might be surprised to learn that 73% of charitable giving comes from individual contributions – five times more than corporate donations*. Now more than ever ,organizations are relying on nonprofit giving for support, particularly during the holiday season. Fortunately, the holidays are traditionally a time when people feel more inclined to be generous.

GivingWe’ve all heard the adage, “the more you give, the more you receive.” I believe that most people are willing to give, but uncertain about how to make the most meaningful contributions. It’s perfectly fine to give as opportunities arise. However, being proactive about charitable giving allows you to deliberate about how you “invest.” That’s right, charitable giving is an investment and should be treated with as much forethought as any other investment.

v47_paying-bills-on-timeMiddle-class Americans are in a bind. The stack of monthly bills on the kitchen table has to be paid; the 401(k) plan needs steady contributions for retirement savings. Which financial obligation to choose? Predictably, middle-class Americans are choosing to stay current on their bills, according to results from the eighth annual Wells Fargo Retirement Survey conducted a few months ago.

v46_business_newsBEFORE YOU SHOP: Plan Your Holiday Spending

How can the consumer in all of us be smart about our holiday shopping? My advice: think ahead before you shop, stay focused in the stores and remember what gift-giving is all about. That way you can have a jolly holiday season and skip the spending regrets when bill-paying time comes around in January.

v45_wfBusiness owners are typically self-reliant people. Making the commitment to start and own a business takes a healthy dose of confidence, and the realities of running one require a can-do attitude about all kinds of tasks. It’s not surprising, then, that one of the toughest things for many business owners isn’t rising to meet major challenges – it’s knowing when to get outside help.

FALLBROOK CHURCH - CHRISTMAS IN JULY

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