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Staring a Marriage Small Business Teaching your kids emergency preparedness and Money
by Amber Thomason by Amber Thomason
According to Forbes, more smallbut Setting up shop Weather emergencies maythan scare500,000 your kids, by Amber Thomason Before• getting your small business up and you'll businesses open each month. If you're looking that a severe storm is heading yourrunning, way there are helping them understand what to expect can need to complete the following legal requirements. Consult ways to be more prepared. If a storm is sudden, go to join the entrepreneurial club, consider this reduce the stress. Carefully go over your family an attorney and/or accountant for guidance relevantand to your indoors if you see lightning or hear thunder, don’t planning guide starting smallhow business. emergency planforand teachathem to stay safe specific use situation. items that plug into electrical outlets. Avoid using Talk about debt whatever the disaster. decision to get married can be one of the running water, as faucets can conduct electricity.
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Laying the groundwork most exciting and important decisions you’ll make
Getting yourtofamily for any disaster It's important have a prepared well-developed business proposal that in your However, in relationships meets an lifetime. untapped need. Followmoney these steps to think yours Complete the following with your family so severe weather is a tough subject for many people considering through: doesn’t catch you off guard: 1. Decide on a business idea. Think about hamper your strengths marriage. Arguments about money many • Create an emergency supplies kit. Include a threeand interests: What could you do forever? What could marriages financial or food, disagreements day and supply of water, problems nonperishable flashlights, you never do? How do you feel about interacting with blanketscause and kid-friendly activities. The Red Cross are people a leading of divorce. or spending your time at a desk? Ask yourself provides a listing of emergency supplies to help you these questions to narrow down your business ideas It’s important for partners to have frank discussions aboutand prepare. options. finances, budgeting and their individual financial personality • Practice your emergency plan. Include two evacuation 2. Research market demand and competition.may Yoube should or feelings toward money. These routes, a safe room and conversations two different meet-up feel confident thatbut your productthem or service will have a uncomfortable at first avoiding could prove much locations — and make sure kids can run through it audience and that you can offer itthings in a better way morehungry costly down the road. Below are a few to consider calmly. than your competitors. in your discussions. • premarital Run through the basics. Kids should know how to call 3. Write your business plan. You'll need the following 911, identify themselves, identify their location, reach Knowcomponents: your financial personality emergency contacts and get to predetermined safe Spenders and saverssummary can peacefully coexist if you keep the • Executive locations. lines of •communication open. Understanding the psychology Organization and management of spending money and why a person spends can help build • Funding requests Teach your kids the various severe weather conditions good financial habitsdescription after you’re married. Strive to understand • Company Teach your kids about the different naturaltheir disasters and how what your partner on impulsively, attitude • Service orsplurges product line to react•in each.andprojections towards saving investing, and what financial fears they Financial Tornado. If you are you in the path of a tornado, go into a may be• •trying to hide. Once have a good understanding Market analysis tornado safeand place. ishabits typically of each •other’s money values and youthe canlowest betterlevel of Marketing salesThis plan the building and stay away fromitwindows, establish common goals. Make aexpenses. point todoors discuss 4. Separate your financial business and personal Whileand it outside walls. you arethem outside with no car or nearby those and how toIfachieve together. Write it down can begoals tempting to keep all your finances together, especially shelter, down in abiz and protect head. and celebrate theliesmall wins asditch you move towards the larger when there aren’t too many expenses at the your beginning, it • Severe objectives. won’t be simplerthunderstorm. down the road.If you have advanced notice
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AmberThomason Thomason and and her staff have over 15 years ofofinsurance Amber herstaff staffhave haveover over15 15years years Amber Thomason andexperience her ofopportunity insurance and financial service and would love the insurance andservice financial service and experience andthe would love and financial experience would love opportunity to earn your business. Come home to a local agent that is the opportunity to earn your business. Come home to a local to earn your Come home to acustomers. local agent221 thatThompson is dedicated tobusiness. the life and needs of her agent that is dedicated to dedicated to the life and needs Dr.,life Kerrville. 830-315-5433. the and needs of her of her customers. 221 Thompson customers. 221 Thompson Dr., Kerrville. 830-315-5433. Dr., Kerrville. 830-315-5433.
Anxiety? Trauma? Women’sDepression? Mind-Body GroupRecovery? Therapy Our minds and bodies are connected. Psychotherapy for Adults & Teens When professionals treat them separately, Residential & Commercial New Construction Moving Cleans Excellent References
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Debt is something that most people have, and nobodyalikes, 1. Decide your business structure. Is your business sole • Earthquake. Practice the “Drop, Cover and Hold On” but it’s an unfortunate reality that needs to be dealt with. proprietorship or a partnership? The Internal Revenue method, and learn to recognize safe places in each Understanding each debt stories, credit scores, credit Service canother’s provide more information on types of room(IRS) at home and at school. history, and total financial assets are important factors to business structures. • Hurricane. When you know a hurricane is expected, consider before future together. Setlicenses, up a 2. Most statesmaking require youfor topurchases apply for one or prepare your home the possibility of more impact. meeting withor your insurance agent to discuss how toabout best the permits identification numbers. Learn more During the storm stay away from glass windows and coversmall the debt, yourrequirements income, and for your current business state.investments. doors, and be ready to followyour hurricane evacuation It’s totohave an insurance plan inrun place that fits the 3. important If you plan employ people to help your small instructions from emergency officials if necessary. needbusiness, of your risk tolerance and plans. The best time to know you'll need to apply for employee identification • Flooding. Don’t go into flooded areas. Just six inches what’s coveredthrough and what’s not is before the loss so don’t put numbers thecan IRS. of moving water knock you off your feet, and that off.whether you will use the calendar year or a 4. meeting Determine standing floodwater could be contaminated or fiscal year for taxes. contain objects. If your car can is affected in the Combining your sharp life with another person be a scary assess the damage. financialstorm, thought but with the right planning and the right Also talk to your State Farm® agent about special small counselors by you side the transition can be smooth and business insurance needs. You'll want to do your best exciting. peoplewith to work with Inventory that you can trust build Also, beingPick prepared a Home might beand helpful to protect the investments you've made, and important lifetime rapport with. if you need to file an insurance claim in the case of lost or coverage can vary by business. We are small business owners damaged possessions, help secure a settlement, and prove would help you getwe started your dream today. Ifand you’d likelove moretoinformation, wouldonlove the opportunity useful when verifying property loss for taxes. to counsel you through this exciting new phase of your life.
830-777-0402
36 | SEPT-OCT 2020 ||KERR KERR COUNTY PEOPLE MAGAZINE 32 | | SEPT-OCT MAR-APR2020 2021| KERRCOUNTY COUNTYPEOPLE PEOPLEMAGAZINE MAGAZINE 36
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