Vouch Consulting

Merry Christmas!

One of the more comprehensive listicles on retirement planning, going beyond the financial planning. Mental health and social considerations of retirement should not be ignored by those approaching retirement.

9 Questions to Ask Before You Retire For most of the past 20 years, retirement rates in the US were declining. People were staying in jobs longer, experts speculated, because

Wishing all small business owners lots of success

“Small Business Saturday”.

All Angel Investors investing in NJ, don’t miss this tax credit program from New Jersey Economic Development Authority

Angel Investor Tax Credit Program - NJEDA ANGEL INVESTOR TAX CREDIT PROGRAM To be considered for the 2022 program year, an Angel Investor Tax Credit application must be submitted by 11:59 pm on 10/31/2022. Any application submitted after this deadline will be considered as part of the 2023 program and tax year. Furthermore, submission o...

Great insights from McKinsey in the linked article.

People, Process, and Technology are all important for any industry or function to prosper. People are the most intriguing in this triumvirate as they drive the process and leverage the technology.

Here is a related quote from the article:

"For most organizations, the vast majority of digital customer contacts require assistance, and only 10 percent of newly built digital platforms are fully scaled or adopted by customers."

https://www.mckinsey.com/capabilities/operations/our-insights/the-state-of-customer-care-in-2022

The state of customer care in 2022 In McKinsey’s 2022 State of Customer Care Survey we explore why customer service excellence remains an important strategic focus for companies.

For anyone with teenagers looking to present a business idea at a business competition here is an interesting opportunity at Innovation Foundry in Summit, NJ. Register by October 7 at this link:

https://innovationfoundry.io/business-plan-competition/

Innovation Foundry – A Tech Incubator, For Teens Giving young enthusiasts the space to create… …with the technology, teammates, and guidance to innovate. Today is the day! We’re now opening and accepting applications & members! Click here to Join For those who build, take your ideas further by experimenting with various 3D printing technolog...

Eid Mubarak to everyone celebrating this very auspicious day in the Muslim calendar

https://www.cnbc.com/2022/04/14/heres-why-health-savings-accounts-may-contribute-to-inequality.html

Here’s why health savings accounts may contribute to inequality Certain demographic groups are using health savings accounts in a way that may reinforce and exacerbate existing health inequities, according to a new report.

Heartening to see the Jan ‘22 hiring in Hospitality sector, especially Restaurants despite Omicron. The enterprising spirit moves us forward at the end.



https://apple.news/AsWVcjyM6QMmrvRnjkLwDvw

The jobs report was full of surprises. Here’s where the jobs are — in one chart. — CNBC The U.S. added over 450,000 jobs last month amid strong demand for workers at restaurants, retailers and mail and parcel delivery companies.

A quick read for anyone looking to compare between the two retirement saving options:

https://www.entrepreneur.com/article/414693

Why a Retirement Annuity is Better Than a 401(K) What’s the best way to fund your retirement? Well, I wish could answer that, definitively, for you. But, unfortunately, how you will save for retirement is dependent on your financial...

One could argue that all leaders should have been having these discussions with their team on a regular basis but if the current environment helps bring this change, it will be a positive development.



https://www.cnbc.com/2021/11/30/why-stay-interviews-are-the-next-big-trend-of-the-great-resignation.html

Why the 'stay interview' is the next big trend of the Great Resignation Get clear about what will help your best employees stay, and what could make them quit.

A local favorite of Edison, NJ

A very important issue for the next generation of leaders, scientists, artists, sports stars etc.



https://www.fastcompany.com/90696605/what-i-learned-from-teaching-the-children-of-the-1

What I learned from teaching the children of the 1% Blythe Grossberg shares insights on how to make things more equitable for all kids from working with some of the most privileged children in America.

This is an evolving and challenging situation for business owners and employers. Compensation surveys are becoming outdated in a few months, and voluntary quit rates continue to be high. If business profitability is at risk due to labor headwinds, what should a business owner do?

A collective 'mass refusal' to work in poor conditions is driving the labor shortage, according to a labor relations professor The 'great resignation' is a "kind of mass collective action," according to Professor Robert Bruno, who studies labor relations.

Which one of these, if any, would you disagree with?

1. Always be tweaking and testing your ad copy so your ads won’t get skipped over.
2. Use the Facebook Conversions API to prevent data loss from iOS14 App Tracking Transparency.
3. Start collecting first-party data, and try Facebook’s conversion API.
4. Keep your forms concise and use lead forms to avoid fake form fills.
5. Leverage a multi-channel strategy to manage around ad blockers.
6. Get creative with your bidding and targeting to avoid budgeting shortfalls.
7. Get into a PPC routine and stick with it to keep your account optimized.
8. Cater your ads to everyone in your target audience so they will feel better represented.
9. Use social proof, partnerships, and unique identifiers to prove credibility.
10. Maintain brand consistency to safeguard against losing trust (forever!).
11. Always approach PPC from a small-scale, local perspective to keep up with consumer trends

- Courtesy WordStream

11 Legitimately Scary PPC Stats Every Advertiser Should Know (+Survival Tips) Each October, my friends and I meet throughout the month to watch scary movies leading up to Halloween. But while it’s cool to be spooked in the fun times, it’s not cool...

Going back to New York City for a client meeting felt like old times. The commute was better during off-peak hours, and the city was thriving with some social distancing

Best wishes to everyone who celebrates Yom Kippur!

Greetings to everyone who celebrates this auspicious day of Rosh Hashanah

A subscription bomb attack encouraged me to clean up 100+ other subscriptions. Thank you, Unroll.me!

Unsubscribe from emails, instantly. Stop those annoying emails from cluttering your inbox. Regain control of your email with one simple click.

Loved the comment on increasing the speed of feedback and improving your product

https://youtu.be/3L_6EFehM6Q

Should Founders Reveal Their Startup Idea? Should you reveal your startup idea to the world or keep it secret until launch? http://onstartups.com/

It's now easier to contact Vouch Consulting.

Lots of good business, career, and family advice here.

https://hbs1963.com/

One of my favorites:

"Children pay most attention to what you say with your feet, rather than your mouth. - Henry A. Gilbert"

PPP Forgiveness information, courtesy Pronto Tax:

If you (or your clients) are filling out those confusing PDF document PPP applications ("Should I use the 3508EZ or the 3805S???"), you're (probably) doing it wrong. STOP! There is (probably) an easier, better way.

The two best options for getting are:

Go through the lender's forgiveness portal. The bigger banks like , , etc. allow borrowers to apply for PPP forgiveness direct through their "online banking" function.

Chase Portal: https://lnkd.in/gd9AdiMD

Use the SBA's brand new PPP Direct Forgiveness portal: https://lnkd.in/dhtm8fB

These portals "auto-fill" much of the actual PDF forgiveness application, based on borrowers answering (mostly) simple questions. For example, the Direct Forgiveness portal will "look up" the borrower's PPP loan numbers based on the borrower's Employer ID Number, and then auto-fill those loan numbers into the application rather than you (or your client) needing to track down the PPP Promissory Note to find that loan number.

One client completed the process entirely on his mobile phone, in less than 10 minutes.

In most cases, PPP borrowers can apply for forgiveness themselves, meaning that this does not need to become another dreaded task on your "to do list."

93% of PPP loans are under $150K and should qualify for relatively "easy" forgiveness (minimal if any documentation required, etc.)

SBA PPP Forgiveness:: This portal is made available by the US Small Business Administration to streamline forgiveness processing for PPP Borrowers. After registration, you may use this streamlined process to automatically submit your forgiveness request to your lender.

Beautiful dinner in Metuchen at Mangia Toscano