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5 Tips for Female Business Owners
In a recent gathering of business owners, the participants avoided taking a stance on whether a woman’s way of running a business is better or worse than a man’s approach. But there was one subject on which the women didn’t mind admitting they felt a bit behind their male counterparts: Money.
You may be familiar with the studies that say women actually do better than men (especially single men) at investing, which is among the most complicated money decisions anyone faces. But when you dig deeper, it all ties together. The research found that the reason women did better was that they traded less. And they trade less because they are less confident (or, more precisely, less overconfident) about their investing skills.
But a lack of confidence that is prudent in one aspect of her money life can create problems in others, if it leads to her being passive or paralyzed. So here are five tips to help you provide great advice for women business owners.
Post on Tuesday, October 13th 2015, 9:51 am, by Brenda Bagonis-Cooke

Tax Preps for 2016 Begin Now
As you get organized and gather your year-end data, statements, and look over your checklist, don't forget to use this time for task as a future planning way to increase the size of net worth and save money on taxes for next year. We are sure that you would rather pay yourself and family first over Uncle Sam.
Plan, Prepare and Process !!
Areas to concentrate and make better records... could save you so much more on your taxes every year
If you go through your expenses, remember to look at these areas and ways you can honestly save and organize on paper

Housing/ Real Estate Cost for monthly payments or working from home deductions
Health items HSAs are tax free Medical costs can be deducted
Children Care, College and Commissioned can help your family
Saving/Investing Interest could be tax free and losses are a write off
Retirement Plans Defer more and try to move more to ROTHs
Charitable donations The more you give ,the less you pay Uncle Sam
Insurances Review and shop every few years
Business... Start a Business or find new strategies to increase bottom line of company


Brenda Bagonis-Cooke 215 491 4346 Asset Financial
Creating Better Financial Lives


Post on Wednesday, January 28th 2015, 4:14 pm, by Brenda Bagonis-Cooke

Returning to Work

By: Catherine Tsai
Sep 11, 2014

Returning_to_Work.pngWomen who take an extended break from work to care for a relative or to raise kids don't necessarily have to give up their high-paying careers.

Such breaks can lead to lower lifetime earnings and retirement savings for women versus men, the nonprofit Transamerica Center for Retirement Studies* says. But companies like Bank of America and J.P. Morgan have helped women return to lucrative jobs after they’ve taken some time off.

The companies' efforts are part of several growing re-entry programs to help accomplished and highly educated women go back to work. According to a study reported in the Harvard Business Review in 2010, 70 percent of women who took career breaks that averaged about two and half years returned to some form of work, whether it was full-time, part-time or self-employment.

So, why not?

As a financial advisor, you can help your clients re-enter the workforce by referring them to resources like iRelaunch, The Encore Career Handbook or by encouraging them to return to school.

Resources:

iRelaunch - Lists workplace re-entry programs around the world

The Encore Career Handbook - A book for people considering new careers instead of retirement

Encore.org - Offers information to help people move to jobs with nonprofit or public employers.

*The Transamerica Center for Retirement Studies® (TCRS) is a division of Transamerica InstituteSM, a nonprofit, private foundation. The Transamerica Institute is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third parties.

Want to know more about serving a client's whole family well? Check out Transamerica's
website www.assetfinancialservice.com


Post on Monday, September 15th 2014, 2:03 pm, by Brenda Bagonis-Cooke
Women recognized
Top Financial Advisors that are Women InvestmentNews
-Brenda Bagonis-Cooke of Asset Financial Services and member of WBF 215 491 4346
TFA is proud to be ranked as one of the top Broker-Dealers for Female Representatives in InvestmentNews magazine! We would like to share this great news with everyone,
Post on Friday, June 20th 2014, 10:48 am, by Brenda Bagonis-Cooke

Women have come a long WAY ... and what they need to do because of it !!!
BEING FINANCIALLY RESPONSIBLE SEMINAR
Call for dates and times


in the workplace:
Nearly 52% of the Workforce is Comprised of Women
• Women Account for More Than 50% of High-Paying
Occupations in the U.S.
Source: Employment Policy Foundation, www.dol.gov/wb/stats. 2008
Post on Friday, October 18th 2013, 1:41 pm, by Brenda Bagonis-Cooke
Today we sent out WBF's mid-September newsletter using Constant Contact. We have been using Constant Contact without problems for a long time, however today's email contained errors in every link. I am posting this so others that use Constant Contact are aware of this issue. Below is the record of my chat with their support group.

In a nutshell, they think the error is caused mainly by creating copies of a previous newsletter to create a new one. If you do this be sure to replace all of the links. Read the attached PDF of my support chat with Constant Contact for more info - I asked every question I could think of.

Dana Baedke
Key Marketing
267-263-2513
Post on Wednesday, September 18th 2013, 9:12 am, by Dana Baedke
Budget your time. Balance your Life! Just as you would create a budget for your household finances, create a budget for your time. You can lay it out daily or weekly. Tally the number of hours and then prioritize. When you create a budget for your finances, there are certain bills that must be paid immediately – mortgage, rent, utilities. The rest is for expenses that vary – groceries, gas, etc., savings and discretionary money for you to use to either pay more bills, save more money or have some fun. Time works the same way. You have certain obligations to which you devote more time: work, family, sleep, etc. You also have discretionary time to devote to personal interests, exercise, friends, hobbies or just alone time. Write down what you need to do and when. Give yourself time to do the things you want and stick to it. Don’t let work take over the time you have set aside for your family or for yourself. Stick to your budget. We can help 215 491 4346 Brenda
Post on Friday, July 19th 2013, 3:24 pm, by Brenda Bagonis-Cooke
All great business ideas begin with a plan!
All great business persons create a plan using a budget!

Here is a sample for you to calculate what costs are and how much you can allocate to YOU to help build your weath and get tax deductions as well.
Brenda 215 491-4346
Post on Friday, February 15th 2013, 3:19 pm, by Brenda Bagonis-Cooke
Here is the list of tax deductions presented at our December 2012 morning meeting by our speaker Catherine Ponist, CPA.

You can find Catherine's contact info in our online directory here:
http://www.womensbusinessforum.org/member-directory/category/372

Thank you Cathy!
Post on Saturday, December 22nd 2012, 10:58 am, by Dana Baedke
Correction from last posting:
TAX wise: you can deduct up to $50,000 this year from your gross income.
Pay yourself first for a better retirement tomorrow. Brenda Bagonis-Cooke AFS 215 491-4346 bbagonis-cooke@tfamail.com
Post on Wednesday, August 1st 2012, 5:03 pm, by Brenda Bagonis-Cooke