Columnist Spotlight Archives

Creating high performance schools

carey school - graduate

A central part of this year’s state budget debate is over Governor Brewer’s Performance Funding proposal for district and charter schools. Her plan helps ensure that tax investment in our schools yields measurable results. Employers from across the state have fought against across-the-board cuts to our K-12 system, and we’ve supported the governor’s budget request… Read More →

Let the Sun Set on Debt Trap Loans

Cynthia Zwick

In 2008, more than 1.2 million Arizona voters said no, by a 2-to-1 margin, to triple-digit interest rates and special exemptions from the state’s usury laws for payday lenders by rejecting Proposition 200, which would have permanently legalized 300% APR payday loans in Arizona.  Since then, through bi-partisan efforts, the legislature and Arizonans have rejected… Read More →

3 Reasons the Bank Says No

ty

If your application for a small business loan has been denied, you are not alone. In fact, only about 10 percent of the small business borrowers who apply at the bank leave with a loan. Although the bank may give you a song and dance about why you were denied, it usually boils down to… Read More →

Guayule could drive Arizona’s economy

guayule

It’s common knowledge that America’s largest import is oil, but do you know what’s second? Hint: it’s a commodity used for tires, hoses and thousands of household products. The United States imports 100% of it’s natural rubber from the Hevea tree grown in nations like Indonesia, Thailand and Vietnam. Once upon a time, there was… Read More →

Guayule could drive Arizona's economy

guayule

It’s common knowledge that America’s largest import is oil, but do you know what’s second? Hint: it’s a commodity used for tires, hoses and thousands of household products. The United States imports 100% of it’s natural rubber from the Hevea tree grown in nations like Indonesia, Thailand and Vietnam. Once upon a time, there was… Read More →

Shine coming off the Golden State

real estate - expanding to california

The Tax Foundation in its 2013 State Business Tax Climate Index tells us something most of already know: California has high taxes. Really high. In its state-by-state rankings, California checks in at 48, duking it out with New Jersey and New York at the bottom of the barrel. Breaking out the ranking in its component… Read More →

Grand Canyon-sized tax reform

Labor Unions, City of Phoenix

The recent Grand Canyon Institute report “The Effects of Tax Reductions In Arizona: Significantly Reduced Government Revenue and No Apparent Impact on Economic Growth,” dismisses the bipartisan efforts to improve Arizona’s tax competitiveness over the past two decades and defies common sense. Does anyone really believe that Arizona would be better off with significantly higher… Read More →

What can the U.S. Count on for Future Growth?

economy

2012 was a smoother ride than expected for the markets. However, it was and will continue to be turbulent in the political arena. Hopefully, economics and politics will be able to work together and define a path that will create a stable environment for everyone. There are many exciting advances in different areas of our… Read More →

Advantages and disadvantages of an IPO

ipo

The closing concludes and a company suddenly has $50 million cash in its bank account from the sale of its stock.  Champagne corks are popped and celebration ensues―for a brief period.  “Going public” is an exciting event for all involved and may provide many advantages to the company’s operations.  However, being a public company has… Read More →

How to establish trust with your bank

Coldwell Banker

According to a recent survey, financial services and banks were noted as the least-trusted industries in 2012.  Despite the fact that the financial crisis occurred five years ago, people are still concerned about the reliability of banks. The 2012 Edelman Trust Barometer had more than 30,000 online respondents, in which only 46% of U.S. respondents… Read More →

6 Steps to Selling Your Business

Selling the Company

If you’re a typical small business owner, you spend more of your time working on today’s issues than tomorrow’s potential. That may keep the doors open for now, but what about when you’re ready to retire, or no longer have the will or energy to run your business? As mid to large businesses grow, owners… Read More →

Market Volatility For Investors

market volatility

There are many perspectives to market volatility that investors can research, monitor and learn about. Some of these forms of volatility include actual historical volatility, actual future volatility, historical implied volatility, current implied volatility and future implied volatility. This can be very confusing so let’s look at the most commonly used in investing historic volatility… Read More →

What Your Business Should Do Before The End Of January

business strategy

Using last year’s failures as a roadmap to success: What your business should do before the end of January. The beginning of each year brings new opportunities and challenges for business owners. Some of us are dying to put last year behind us, while countless others feel inspired by the way their business year ended.… Read More →

What Are You Afraid Of? How To Avoid Making Decisions Out Of Fear

making decisions out of fear

I think business owners, managers and employees are about to let out a collective sigh. We did it! We made it through 2012. It has not been an easy year for several industries. As I look back on 2012, I realize many of my most challenging experiences were because of the unknown that lies in… Read More →

Implement A Marketing Action Plan For The New Year

Marketing action plan
December 18, 2012 by in Columnist Spotlight | Marketing

Holiday parties are in full swing as another year comes to a close. While it seems both natural and logical to look back and review what was, I challenge companies and business owners to look forward and set goals for the year ahead. In doing so, we start the year with hope. The hope that… Read More →

Proactive Investing Vs. Reactive Investing

Proactive Investing vs. Reactive Investing
December 12, 2012 by in Columnist Spotlight | Finance

There are different styles and strategies investors may follow when investing. These style-driven approaches can change over time due to personal and economic experiences, such as our recent recession. Some of these strategies include quantitative influences, qualitative influences, aggressive to conservative investing, and short- and long-term investing. These are just among a few different ways… Read More →

The Year In Review: Take Inventory Of Business Practices That Can Help The Bottom Line

business practices
December 11, 2012 by in Columnist Spotlight | Finance

As 2012 comes to a close, many of us begin thinking about personal resolutions we’d like to make and the things we would like to improve upon in the coming year. This time of reflection is also valuable for business owners and entrepreneurs. The year’s end is a good time to also examine a company’s… Read More →

Do You Sleep With Your Smartphone? Give Predictable Time Off A Try

Predictable Time Off Helps Prevent Working Off The Clock
December 10, 2012 by in Columnist Spotlight | Finance | Workforce

I am always on the lookout for “brain food” — seminars, podcasts or articles on subjects of interest to me. One of my regular haunts is the Harvard Business School (HBS) Working Knowledge blog distributed weekly by HBS. You don’t need to be an HBS alum to subscribe, and I highly recommend it. A recent… Read More →

Financial Literacy Needs To Be Taught Outside The Classroom

Financial Literacy Needs to be Taught Outside the Classroom
December 4, 2012 by in Columnist Spotlight | Finance

As the spring school semester begins, one of the most valuable lessons that kids, especially teens, can learn isn’t being taught in a classroom setting: financial literacy. Or, how not to graduate into financial problems. But, aside from the birds and the bees talk, the money talk is probably the most uncomfortable for parents. To… Read More →

Developing A Marketing Message: A Case Study Of Dr Pepper TEN’s Target Market

Photo: Flickr, theimpulsivebuy
November 20, 2012 by in Columnist Spotlight | Marketing

Creating a company or product’s marketing message can be daunting, but if you think in terms of everyday conversations, it may be an easier task to tackle. When developing marketing message, whether it is for a brochure, an advertisement, a website or even a social media post, the first thing to think about is who… Read More →

Reviewing Investments Annually: Review The Past, Prepare For the Future

Reviewing Investments Annually
November 14, 2012 by in Columnist Spotlight | Finance

It’s that time of year again when the holidays are right around the corner, and everyone is looking forward to family time, bright lights and festive attitudes. However, it is also a time for investors to begin preparing for 2013, finalizing plans for 2012, and acting on any last minute tasks such as IRA contributions,… Read More →

Steps To Improve Cash Application Percentage

Steps to Improve Cash Application Percentage
November 13, 2012 by in Columnist Spotlight | Finance

Better Payment Application Improves Cash Flow: Simple steps can make significant difference. When a payment is received by a customer or client, businesses often consider the transaction to be complete, overlooking the last step of the sales cycle — applying. The ability to apply payments to invoices correctly can be difficult for most companies for… Read More →

Small Business Leadership Academy: Blueprinting

Small Business Leadership Academy

In the final session of the 2012 Small Business Leadership Academy, attendees took an in-depth look at brainstorming. For a company with a limited number of employees, it’s more important than ever to get the best from each of them. Many small business owners see that they have high-potential individuals who can become leaders, but… Read More →

Small Business Leadership Academy: The Importance Of Team Dynamics

Small Business Leadership Academy

One rarely-recognized aspect of a small business that has a huge impact on the success of that business is team building. Knowing more about how teams function and what can be done to strengthen the team was the topic in this week’s Small Business Leadership Academy, led by Ruth Barratt, clinical assistant professor of management… Read More →