Business

Money Matters: Do financial planners have your interests at heart?

One of the most common claims by people in my business is, “It’s about the people, not the money.” Indeed, we make that claim as well. It’s a great line, isn’t it? If only it were true. A first step in working with us is going through an online survey. One of the true/false questions ...

Threatening co-workers not excused due to mental disability

State and federal employment discrimination laws require employers to reasonably accommodate employees with disabilities in order to enable them to do their job. However, employee misconduct does not usually afford any reasonable accommodation. By way of example, if an employee threatens ...

Creating your own safety net

“We cannot solve our problems with the same thinking we used when we created them.” This nugget of pure gold from Albert Einstein is one of my favorite all-time quotes, and that’s saying a lot. It’s the key to creating a good income plan; when you come right down to it, it’s ...

NH tops $700 million in liquor sales

CONCORD – With two of its top six stores in Nashua, the New Hampshire Liquor Commission generated all-time sales revenue in fiscal year 2018 of $707.7 million in sales. Since the first outlet opened in 1934, liquor and wine sales have produced more than $3.6 billion in revenue for New ...

Local family business moving to new space

NASHUA – Brandon Linatsas always knew he would take over his father’s chiropractic office – he just did not know when. After graduating from high school, Linatsas took some time to find his footing, going so far as to get a degree in automotive technology from Nashua Community College. ...

Money Matters: Who owns your retirement account?

Most of us have some kind of retirement account, either an employer-sponsored account such as a 401(k) or 403(b), etc., or a privately managed account like a traditional IRA. Some of us even have pensions that we have earned through the years, and most of us who worked will have a Social ...

Individual liability in running your business

There are legal benefits in operating your business through a corporation or a limited liability company (hereinafter “LLC”). If you have a corporation or an LLC and you enter into contracts in your representative capacity, you are often not personally liable for that obligation. For ...

Be careful of what you type:Emails and texts could cost you your job

It is not uncommon to use emails and texts as casually as a regular conversation. However, once sent, those emails and texts could be saved in perpetuity. Under some circumstances, deleted emails could be revived by a computer forensic expert and the extra steps an employee takes to erase ...

Find a Sherpa to execute tough financial terrain

Not too long ago, I was on a walk with my dogs. I should note that a couple of years ago, I broke my ankle. Since then, it, both hips, and my left knee haven’t let up, so walking can be a challenge. Walking on rough terrain can be an ordeal. Anyway, I was walking my dogs and we came to a ...

Fulcrum Associates creates new position to foster growth

AMHERST – Fulcrum Associates, a leading construction management firm in southern New Hampshire, hired Thomas Howard as the company’s first Vice President of Business Development. In this role, Howard is responsible for leading the business development team in creating and executing sales ...

Crepes and coffee: New Nashua eatery offers variety of sweets

NASHUA – The small kitchen at Butter N’ Jam creperie smelled of marshmallows roasting over a campfire. Within seconds after hearing the hiss of the blow torch, two white blobs on the end of two toothpicks had turned golden brown, slightly charred around the edges and ooey gooey in the ...

What’s your retirement plan?

One of the sad truths about people, especially with regard to their money, is they almost always have to experience some kind of major setback prior to making a plan. In other words, people tend to react as opposed to prepare. And often, even when they do prepare, it’s not enough. For ...

Local appeal at Able Ebenezer Brewing Co.

MERRIMACK – After serving their country in the military, two friends decided to embark on another journey together, entering the craft beer industry. “My partner and I met in the Army, and we drank so much beer in the Army we ended up starting to make our own, and it was the hobby that ...

Craft beer brings big bucks to local businesses

NASHUA – Ken Unsworth and Dean Baxter, co-founders of Millyard Brewery in Nashua, are tapping into the continuously growing craft beer industry. “We were number 57 in (New Hampshire), as far as breweries go in April of 2016,” Unsworth said. “Now, there’s over 80 breweries two years ...

Main Street Money: Is financial planning only for the wealthy?

When was the last time you went to a doctor? Do you remember how that appointment went? The last time I went, my doctor weighed me, asked me questions about how I was feeling, looked at a blood test I took, poked and prodded me with various instruments and popsicle sticks, and sent me on my way ...

Financial security?: Low U.S. unemployment rate masks financial struggles

WASHINGTON (AP) – Despite an ultra-low 3.9 percent unemployment rate, about one-third of U.S. adults faced financial insecurity last year and often struggled to pay unexpected expenses, a Federal Reserve survey found . For three in 10 adults, their monthly incomes fluctuated – often ...

U.S. stocks sink late

NEW YORK (AP) – Stocks faded Tuesday afternoon and finished the day mostly lower as industrial companies and retailers fell. Smaller and more U.S.-focused companies slumped after setting records the last few days. Large industrial companies like Boeing, 3M and Caterpillar slipped, and ...

Business leaders explore creating a new Nashua-based community bank

NASHUA – Citing the absence of a true community bank in Nashua, a group of well-known and highly regarded Nashua-area business leaders today announced a new entity, The CBTBE Corporation. CBTBE is the seed company that will shepherd the development of a new community bank, which will be ...

Teachers report spending more than tax deduction on class supplies

WASHINGTON (AP) – Every year Anna Graven dips into her modest teacher salary and spends her own money to buy bulletin boards, pencils, paper, highlighters and tissues for her high school students in Oklahoma City. So do almost all of her colleagues across the nation. Nearly all public ...

Home Depot’s 1Q same-store sales growth not on point

NEW YORK (AP) – Home Depot reported slower-than-expected sales growth for the first quarter, as spring weather that was colder than usual hurt sales of fertilizer, live plants and other gardening-related items. Sales rose 4.2 percent at all established Home Depot stores during the first ...