Category: Content

Kids roughly make up 40% of the total world population. That is a big number, which also means that they are a great target market for different businesses. If businesses were to take ideas from the mind of kids when starting a business, their chances of success would be high. Why is that? This is because those businesses would be fulfilling the demand of 40% of the world population. After all, kids play a vital role these days in influencing the purchase decision of their family.

 

Here we have complied a list of super business ideas from the mind of kids.

 

• Toy store

How many kids would say that they don’t like toy stores? None. A big toy store done aesthetically is every kids dream come true. This would be a great business idea taken from the mind of kids.

 

• Theme park

Although this business idea may seem like a hefty investment, it will all be worth it. We rarely see any theme park go out of business. Kids totally love theme parks.

 

• Game arcade

What kid does not like playing games? No one – especially, when they can collect tickets and buy gifts for themselves using those tickets. Opening a game arcade is a great business idea – it will also be a profitable idea as most families would love to take their kids out for entertainment.

 

• Candy store

A store that just sells candy is like heaven on earth for kids. Most kids would love to visit a store that just sells candy of all types.

 

• Ice cream shop

Ice cream shops are quiet popular among kids. It is also a great business idea that can be really profitable. We all know that kids love ice cream when we see them run after an ice cream stuck as soon as it passes by their street.

 

• Costume store

Kids love dressing up as their favorite superheroes, that’s what we all did too when we were young isn’t it? This is why opening a costume store for the kids will be a super hit business idea.

 

• Junk Food store

A store that is filled with the favorite junk food and snacks of kids will be a great venture. The influx of kids who bring their family to the store will make it a popular business idea.

 

• School Supplies Store

How many of you loved having the best funky looking school supplies just to look cool in front of your friends in school? I guess all of us did. Having a store solely dedicated to school supplies will be a lucrative business idea.

 

• Movie Theater

Opening a theater dedicated just to playing kids all time favorite movies is a pretty unique idea. This is a great way to appeal to your target market and families would love to bring their kids there.

 

• Kids Clothing store

Kids these days are really picky about what they wear. In fact, they no longer let their parents shop for their clothes alone, they always tag along. Opening a kids clothing store would be a great business idea.

 

It is a fact that kids nowadays play a vital role in the purchase decisions their families make, which is why we have come up with the above list of business ideas from the minds of kids. But before you start a venture make sure you make a viable business plan and ways to market it to make it successful.

 

You need to carefully pick marketing mediums that will directly link you to your target market – kids. Some of these can include – ads between a popular cartoon, show, game, etc.

 

If you have your business idea in place, and have a proper plan of executing it, there is now way your business idea will not succeed. We can also get assurance from the fact that kids play a vital role in deciding what will be purchased for them.

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

Best Credit Cards for Young Adults: Top Picks for You

The best credit cards for young adults offer a balance of rewards, low fees, and credit-building features tailored to those in their 20s and early 30s who are establishing their financial independence. Cards like Chase Freedom Unlimited, Capital One Platinum, and Discover it Student Cash Back provide pathways to both immediate benefits and long-term credit health.

In my 20+ years helping small businesses manage their finances at Complete Controller, I’ve seen firsthand how the right credit card choices can set young adults up for financial success—or create unnecessary challenges. Gen Z now carries an average of $3,262 in credit card debt with a typical FICO score of 680, showing both progress and room for improvement. Throughout this guide, I’ll share strategic insights to help you avoid the common pitfalls that 68% of young adults fall into before age 30, and instead maximize benefits like cash back, travel rewards, and credit building while minimizing costs.

What are the best credit cards for young adults?

• The best credit cards for young adults combine rewards tailored to spending habits, minimal fees, credit-building features, and educational tools
• Cash back cards like Chase Freedom Unlimited offer simple, immediate value with 1.5-3% returns on everyday purchases
• Secured and student cards provide pathways to credit building with more accessible approval requirements
• Travel-focused cards like Capital One Venture offer compelling rewards for young professionals who prioritize experiences
• The ideal card matches your specific lifestyle needs while promoting responsible credit management habits

Choosing the Best Credit Cards for Young Adults: A Strategic Guide

Understanding your financial goals is the first step in selecting the right card. As a young adult, your primary objectives likely include building credit history, maximizing rewards on everyday spending, and avoiding unnecessary fees.

The financial landscape has changed dramatically from previous generations. Credit card APRs averaged 15.39% from 1994-2000 when the Federal Funds Rate was 5.51%, compared to 2024’s average APR of 22.75% with a similar Federal Funds Rate of 5.33%. This widening gap means card selection requires more strategic thinking than ever.

Before applying for any card, honestly assess your spending habits, income stability, and financial discipline. Young adults with steady income might benefit from rewards cards, while those building credit from scratch should prioritize secured options with clear upgrade paths.

Cash Back vs. Rewards: Which Strategy Wins for Your Lifestyle

Cash back cards provide straightforward value that’s easy to understand and use, making them excellent starter options for young adults. The rewards are typically applied as statement credits or can be deposited directly to your bank account.

Compare Key Card Performance in categories like dining, groceries, and gas:

Card	Best For	Features
Chase Freedom Unlimited®	Everyday spending	1.5% base cash back + 3% on dining/drugstores; no annual fee
Capital One Savor®	Food & Entertainment	4% cash back on dining, 3% on streaming, 2% at grocery stores
Wells Fargo Active Cash®	Flat-Rate Rewards	Unlimited 2% cash back; $250 bonus after $1,000 spend in 3 months

 

While I run Complete Controller, I’ve learned that simplicity often beats complexity in financial tools. When I switched from a rotating-category card to Chase Freedom Unlimited® for its predictable 1.5% on all purchases, it eliminated category management headaches and simplified my budget tracking.

For young adults just starting out, consider which categories dominate your spending. If you eat out frequently or order takeout, a dining-focused card like Capital One Savor might provide more value than a general-purpose card. However, if your spending varies widely, a flat-rate card ensures you’re earning rewards on everything.

Travel Rewards for Aspiring Adventurers

Young adulthood is often the ideal time to explore the world, and the right travel credit card can make those experiences more affordable. Even with limited budgets, strategic use of travel rewards cards can fund adventures that might otherwise be out of reach.

Top Travel Picks for young adults include:

• Capital One Venture X: Earn 10X miles on hotels, 5X on flights via Capital One Travel Portal
• Chase Sapphire Preferred®: Transfer points to airline/hotel partners for premium redemptions
• Capital One Venture®: No foreign transaction fees; earn 2X miles everywhere

The value proposition of travel cards is compelling when used strategically. A rewards credit cards for young adults that offers flexible point transfers can multiply the value of your everyday spending. For example, a recent college graduate used Chase Sapphire Preferred® points to fund a post-graduation trip to Europe through partner airline transfers, effectively doubling the value of points compared to cash redemptions.

When selecting a travel card, consider:

1. Whether you’ll travel enough to offset any annual fee
2. If the card’s transfer partners align with your travel preferences
3. If the card offers travel protections like trip cancellation insurance
4. Whether the card charges foreign transaction fees (critical for international travel)

Start with cards that offer substantial welcome bonuses after meeting minimum spending requirements, as these can jumpstart your points balance and fund your first reward trip faster.

Student-Specific Credit Cards: Building Credit Responsibly

Student cards are specifically designed to meet the needs of college students with limited credit history and income. They typically offer more lenient approval requirements and educational resources to help develop good credit habits.

Why students should focus on clear fee structures and credit builder features:

Card	Key Features
Chase Freedom Student®	1% cash back, low $29 annual fee, no FICO® requirement
Capital One Savor Student Cash Rewards	No annual fee, 3% on dining/streaming, 1% on other purchases

Most credit cards for students include free credit score access and educational resources. These tools are invaluable for tracking your progress as you build credit. As one young adult shared in Credit Karma’s 2023 survey: “Always opt for cards with credit score tracking tools – it’s how I monitored my progress from ‘No Credit History’ to ‘Good FICO®’ in 18 months.”

Student cards also often reward academic performance. For example, some issuers offer statement credits for maintaining good grades, providing an additional incentive for academic achievement.

When choosing a student card, prioritize:

1. No or low annual fees
2. Credit building tools and resources
3. Rewards that match your spending habits
4. Opportunities for credit limit increases after responsible use

Remember that your primary goal should be establishing good credit habits, not maximizing rewards. Paying on time and keeping balances low will benefit your financial future far more than any rewards program.

Secured Cards & Credit-Building Strategies

For young adults with no credit history or damaged credit, secured cards provide a crucial entry point to the credit system. These cards require a security deposit that typically becomes your credit limit, minimizing risk for the issuer while giving you the opportunity to demonstrate responsible credit management.

Top Credit-Builder Cards include:

1. Capital One Platinum®: Higher credit limits with on-time payments
2. Chase Freedom Rise®: 1.5% cash back + potential card upgrades
3. Discover it® Challengers: Match cash back rewards after 1 year

Current’s “Build Card” (issued by Cross River Bank) helped 99.8% of previously unscored users achieve an average credit score of 672 within months, demonstrating secured cards’ effectiveness as credit-building tools. This remarkable success rate shows how quickly responsible use of even basic secured cards can establish credit history.

Credit-Wise Strategy for building credit as a young adult:

• Start Small: Apply for a secured card with a low credit limit to avoid temptation
• Automate Payments: Set up auto-pay for minimum payments to ensure timely payments
• Requests Upgrades: After 6-12 months of good behavior, ask issuers to convert to unsecured cards

For those managing credit responsibly for young adults, the key metrics to focus on are payment history (35% of your FICO score) and credit utilization (30%). Make all payments on time and keep your balance below 30% of your credit limit for optimal credit building.

Most secured cards review your account after 6-12 months of responsible use and may return your deposit and convert your account to an unsecured card. This graduation process is your path to accessing better credit products in the future.

Balancing Intro APR Offers & Long-Term Costs

Introductory APR offers can be powerful financial tools when used strategically, but they require discipline and planning to avoid expensive pitfalls. These promotions temporarily waive interest charges, giving you time to pay down purchases or transferred balances without accruing additional costs.

Card	Intro Period	Ongoing APR
Chase Freedom Unlimited®	0% APR for 15 months	20.49%–29.24%
Citi Simplicity®	0% APR for 21 months	18.99%–28.99%
U.S. Bank Shield® Visa®	0% APR for 24 months	18.99%–28.99%

 

To use these offers effectively, divide your balance by the number of months in the promotional period to determine your monthly payment amount. For example, with a $3,000 balance and an 18-month 0% APR period, aim to pay at least $167 monthly to clear the debt before interest kicks in.

Low interest credit cards for young people can provide breathing room for large purchases or help consolidate existing high-interest debt. However, these offers are most valuable when you have a concrete repayment plan.

Watch out for:

1. Balance transfer fees (typically 3-5% of the transferred amount)
2. Annual fees that might offset interest savings
3. The temptation to accumulate more debt during the interest-free period
4. Penalty APRs that can be triggered by late payments

Remember that introductory offers are temporary. Always consider the long-term APR when selecting a card, especially if you anticipate carrying balances beyond the promotional period.

Avoiding Hidden Costs & Maximizing Perks

Young adults often focus on the most visible card features, like rewards rates, while overlooking fees and fine print that can significantly impact a card’s value. Understanding the complete fee structure is essential for maximizing card benefits.

Critical Considerations when evaluating cards:

• Foreign Transaction Fees: Essential if studying abroad (e.g., Capital One Venture® has none)
• Balance Transfer Fees: Avoid switches unless the promotion term justifies the 3-5% fee
• Perks vs. Annual Fees: Compare benefits like travel insurance vs. $450 annual fees (e.g., Amex Platinum®)

The Credit Karma study, revealing that 68% of young adults made major credit mistakes before age 30, highlights the importance of financial literacy. Most of these mistakes (missed payments, overspending, excessive applications) could have been avoided with a better understanding of credit card mechanics.

In my work with entrepreneurs at Complete Controller, I’ve found that keeping a “credit budget” spreadsheet to track usage ratios and fees helps maintain awareness of your complete credit profile. This simple practice helps prevent utilization from creeping up and highlights unnecessary fees.

Beyond avoiding pitfalls, actively seek out and use valuable card perks that are often overlooked:

1. Extended warranty protection on purchases
2. Cell phone insurance (when paying your bill with the card)
3. Price protection on major purchases
4. Purchase protection against damage or theft
5. Complimentary credit score access and monitoring tools

These benefits can provide significant value but are only useful if you remember to use them when applicable situations arise.

Final Thoughts: Taking Control of Your Financial Future

Choosing the right credit card as a young adult is about finding the balance between immediate benefits and long-term financial health. The cards we’ve explored offer diverse paths to achieving both objectives, whether through cash back rewards, travel points, or credit-building features.

I’ve witnessed thousands of young entrepreneurs transform their financial trajectories by making intentional credit decisions early in their careers. The foundation you build now on how to choose a credit card as a young adult will support your financial goals for decades to come.

Remember that credit cards are financial tools—powerful when used correctly, potentially damaging when misused. By selecting cards aligned with your specific needs, managing them responsibly, and leveraging their benefits strategically, you’re positioning yourself for long-term financial success.

For personalized guidance on integrating credit strategies into your broader financial plan, explore Complete Controller’s resources at completecontroller.com. Our team is committed to helping young adults navigate the complexities of personal finance with confidence and clarity.

FAQ

What credit score is needed to get a young adult credit card?

Many “best credit cards for young adults” options require scores of 690+ for unsecured cards, while secured options may approve with no credit history. Student cards typically have more flexible requirements, often accepting scores in the 630-650 range. If you have no credit history, start with secured or student-specific options designed for credit beginners.

Can I have multiple credit cards without hurting my score?

Yes – 2-3 cards are manageable if you maintain low credit utilization. Opening too many at once may temporarily lower your score due to hard inquiries and reduced average account age. The key is spacing applications several months apart and using each card responsibly. Multiple cards can actually improve your score over time by increasing available credit and demonstrating your ability to manage different accounts.

Are student-specific credit cards worth it?

They offer tailored rewards and easier approval, but consider upgrading to better-reward cards after building credit. Student cards provide unique benefits like good-grade rewards and more lenient credit requirements that match college budgets. However, they typically offer lower credit limits and fewer premium benefits than standard cards. After 12-18 months of responsible use, consider applying for cards with more competitive rewards programs.

How do I build credit with a secured card?

Consistent on-time payments and keeping credit utilization below 30% demonstrate responsibility. Use your secured card for small, regular purchases that you can pay off completely each month. Most issuers report your payment history to all three major credit bureaus, helping you establish or rebuild your credit profile. After 6-12 months of on-time payments, many issuers will evaluate your account for an upgrade to an unsecured card with better terms.

What’s the best travel credit card for young adults?

Capital One Venture X or Chase Sapphire Preferred® balance flexible redemptions with moderate fees. For beginners, the Chase Sapphire Preferred offers an excellent entry point with a manageable $95 annual fee and valuable transfer partners. If you travel frequently internationally, look for cards with no foreign transaction fees and strong travel protections. Start with a card that aligns with your most common travel providers (airlines/hotels) to maximize point value.

Sources

• Bankrate. (May 2025). “Best Credit Cards of May 2025.” Bankrate. https://www.bankrate.com/finance/credit-cards/best-credit-cards/
• CFPB. (2023). “2023 Consumer Credit Card Market Report.” Consumer Financial Protection Bureau. https://files.consumerfinance.gov/f/documents/cfpbconsumer-credit-card-market-report2023.pdf
• Chase. (2025). “First Credit Card Tips for Young Adults.” Chase. https://www.chase.com/personal/credit-cards/education
• Credit Karma. (May 2025). “Best Credit Cards: Find the Right Card.” Credit Karma. https://www.creditkarma.com/credit-cards
• Credit Karma. (March 28, 2025). “Best First Credit Cards for Young Adults.” Credit Karma. https://www.creditkarma.com/credit-cards/best-first-credit-cards
• Credit Karma. (January 21, 2016). “More than Two-Thirds of Young Adults Make Significant Financial Mistakes.” Credit Karma. https://www.creditkarma.com/about/releases/more-than-two-thirds-of-young-adults-make-significant-financial-mistakes
• Cross River Bank. (2023). “Current – Cross River Bank Case Study.” Cross River Bank. https://www.crossriver.com/case-study/current
• Experian. (June 3, 2024). “Gen Z Credit Scores on the Rise Along With Debt Balances.” Experian. https://www.experian.com/blogs/ask-experian/research/gen-z-and-credit/
• Federal Reserve. (November 14, 2024). “Commercial Bank Interest Rate on Credit Card Plans.” Statista. https://www.statista.com/statistics/633302/interest-rate-on-credit-card-plans-usa/
• Management.org. (December 30, 2023). “7 Best Credit Cards for Young Adults.” Management.org. https://www.management.org/credit-cards/
• MoneyLion. (February 12, 2025). “9 Best Credit Cards for Young Adults.” MoneyLion. https://www.moneylion.com/learn/best-credit-cards-young-adults/
• NerdWallet. (May 21, 2025). “Best Credit Cards of 2025.” NerdWallet. https://www.nerdwallet.com/best/credit-cards
• YouTube. (April 3, 2025). “The 3 Best Credit Cards in 2025.” YouTube. https://www.youtube.com/watch?v=credit-cards-2025

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

For many entrepreneurs, their own accounting is not one of the most popular tasks. But if you follow certain rules, everything is very simple. Most important is a complete and orderly filing.

Our experience has shown that this can make a tax audit a lot better and the examiner has fewer or even no complaints.

If you have a tax accountant, an orderly bookkeeping will also be very important. You can save money by sorting and handing over the accounting records to the accountant. 
However, if he first has to sort the documents received and request further documents, this can be a lot more expensive.

We have listed some tips for you on how to save money and look forward to the tax audit without any concerns.

Create a folder with six tabs.

If you are filing the documents digitally in programs such as “Tax Office Online or Dropbox “, you should also create six folders.

The tabs/subdivisions/folders are labeled with the terms:

• Cash register 
• Bank 
• Credit card statements 
• Outgoing invoices 
• Incoming invoices • Accounting evaluations / sales tax advance filing

For

• Contracts and important documents

You should set up another separate folder when you use the output bin/digital bin.

It is also important that you pass on a copy of the contract to your accountant immediately after concluding a contract, that he has the required information and that this does not lead to any queries and additional expenses.

There are various things to note about the individual folders. There is a proven approach; we will give you the instructions.

• Cash register
  In this folder / under this tab you can deposit all invoices and receipts of the cash receipts and cash expenses. 
  The sorting takes place after the document date. 
  The cash register should never fall into the minus; otherwise, your cash register is not properly led. 
  Because if there is no money, nothing can be bought or spent.
• Bank
  In this folder / under this tab; you can arrange the account statements. 
  The sorting takes place by date ascending or descending. 
  Please note: there should be no extracts.
• Credit Card billing
  In this folder / under this tab you deposit the credit card statements and the corresponding documents.
  Outgoing invoices in this folder / under this tab, you insert all the invoices that you have submitted to your customers. 
  Please note: Again, sorting should be done by date. 
  Important: The invoice number may only be issued once and must be continuous.
  Incoming Invoices In this folder / under this tab, you will deposit all invoices that you receive from your suppliers or service providers. 
  If you have not received an invoice from a supplier / service provider, please ask for it. 
  You should not forget about online bills and invoices paid by PayPal, as well as bills that you should have paid with your debit card. 
  Our experience has shown that such bills are often overlooked. 
  Also, note the sorting by date.

If you have not received an invoice from a supplier / service provider, please ask for it. 
Important: The amount paid cannot be charged as an operating expense without an invoice.

• Accounting
  evaluations / sales tax advance filing in this folder / under this tab you insert the business evaluations, totals and balance sheets and the sales tax filing declarations (evaluations by the tax consultant). 
  On the evaluations, you can see if you have made a profit or a loss, and how much revenue and expenses have been. 
  The advance VAT return shows how much money you have to pay monthly / quarterly to the tax office.
• Contracts and important documents
  In this folder / under this register you create contracts (e.g. loan or lease agreement) or other important documents that are important for the bookkeeping, the annual financial statements and the tax return. 
  Keeping things organized will save you a lot of search. 
  Often you need such documents at short notice.

Further possibility
If you have a bookkeeper with a smaller scope and determine the profit with the income surplus bill, there is also another way to arrange the filing of the documents.

The folders/registers outgoing invoices, incoming invoices, bank and credit card billing are stored together.

The outgoing and incoming invoices should be added to the corresponding account statements. When paying by credit card, proceed accordingly with the supporting documents.

For smaller companies that want to do their own bookkeeping, the bookkeeping software is recommended.

Special feature: The input tax for incoming invoices is always deductible in the month in which the invoice was issued (invoice date).

Example: You have received an invoice for 30.03.2018. The bill was paid but only on 06.04.2018. You can therefore claim the input tax in June or in the first quarter of 2018. 
It is best to deposit these documents together with a note in a separate register or directly after the bank statements.

Conclusion
If you follow these instructions and always make sure that the documents are complete and no bills are missing, you save yourself unnecessary time and trouble. You will notice on the accountant’s accounts that your proper bookkeeping has paid off. Examinations by the tax office can also be much smoother and more relaxed.

In principle, this approach will have a positive effect on the financial situation of your company.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

When you are starting a new business, a multitude of things generally need to be done. Without proper organization, it is quite easy to get overwhelmed with all the tasks associated with starting a new business, and one can quickly lose focus on what’s important. Often, young and old entrepreneurs starting a new business get so flabbergasted by all that needs to be done that they tend to give up, make mistakes, or become highly frustrated. In order to prevent this from happening to you, start preparing a to-do list that prioritizes different aspects of the business with assigned deadlines. This will help in keeping a check on what tasks to prioritize on and how to divide time better in order to increase productivity and get more tasks completed.

If you are looking to start up a new business, regardless of what it might be, prepare a to-do list first. A to-do list is not just a list but a map leading to business success. If the list is well made and followed to the tee, starting a new business will be much easier than you have been shown to believe. In most cases, a start-up to-do list should include the following key points at the very least.

1. Is the business economically viable?

It is better to be upfront and honest with yourself when deciding whether to start a particular business. Determining the business’s viability is crucial and should always be the first step on your list.

2. Develop a business plan

Once viability is determined, compile and formulate a business plan. Formulating a business plan requires research, planning, organization, and a thorough analysis of all possible outcomes and obstacles. It should also include financial projections to shed light on the viability factor further.

3. Determine how to raise capital

Raising substantial finances for a business can often be one of the most complex challenges for an entrepreneur. Before investing too much time and energy in a particular business idea, approaching financial institutions and potential investors as early as possible is best. If the idea or business model is genuinely good, then the chances of you acquiring an investor early on are pretty high. Cloud funding sites like Kickstarter are fantastic platforms to try to raise capital early on to meet financial obligations once the business is in motion.

4. Legal obligations

Any new business requires legal paperwork to become incorporated and have a license to operate legally. These legal implications should be carefully understood and the documents meticulously prepared so the company doesn’t face any legal implications.

5. Purchase of domain name and development of the website and social media pages

If your business requires an online presence, purchasing a domain name as soon as the business name is finalized is extremely important. Finding the right domain these days has become almost impossible, so making sure this step is right up there on your to-do list is vital.

6. Business card, business letterhead, stamps, seal

Don’t forget to design appropriate business cards, letterheads, stamps, and seals for the business. These are your first brand-builder tools, and utilizing them well can accelerate your business growth.

7. Open a bank account and determine the revenue stream

Choosing a bank to have your registered business account is crucial to maintaining daily business transaction records. Ensure you begin on revenue-generating tasks as soon as possible to get some income rolling in.

8. Hire employees and designate roles

Determine how many employees would be needed to get the business going and start the hiring process immediately. Assign roles and designations to yourself and those hired by you so each employee knows their individual responsibilities and assigned work.

The list above needs to be done as soon as possible when starting a business. Focusing on these particular points before moving on to others will help build a solid foundation for the company to grow and excel.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

How does it benefit me to give private health insurance to my employees?

The hiring, by the company and in favor of the workers of a private medical insurance is a benefit that both the workers and the entrepreneur himself take advantage of.

How does it benefit the company to pay private health insurance to its workers?

In addition to the benefit of keeping your employees happy and reducing the time spent on medical visits (it is assumed that a private health insurance gives more flexibility to have an appointment outside working hours or, where appropriate, to make the service faster ), on the part of the employer, providing employees with private health insurance is considered a higher personnel expense (higher remuneration), and consequently a greater deductible expense in the Corporation Tax.

How does it benefit workers to have private medical insurance set by the company?

On the part of the worker, the perception of said private medical insurance supposes a remuneration in kind for the same ones, reason why it is subject to taxation (entrance to account in what it talks about during the year, and greater income received at the moment of the statement of income). The advantage that exists for employees is the exemption of the first $500 for the worker and each of their family members for private medical insurance (or $1,500 for workers or family members with disabilities). This exemption has its regulation in the IRPF Law:

The following income from work in kind will be exempt:

1. Premiums or fees paid to insurers for sickness coverage, when the following requirements and limits are met:
2. That the coverage of the disease reaches the worker himself, and may also reach his spouse and descendants.
3. That the premiums or fees paid do not exceed $500 per year for each of the persons indicated in the previous paragraph or $1,500 for each of them with disabilities. The excess over this amount will constitute remuneration in kind.

That is to say, if the medical insurance costs the company an expense of $750 per year, the company can take that expense of $750 in its corporate tax, and the worker, in addition to receiving that service, will have the advantage that, at the time of making your income statement, only tax for $250 (the first $500 are exempt, so only tax applies to the remaining amount, $250 in this case). Bill age is the management program for the self-employed.

What requirements must be met to obtain this tax benefit?

It must be borne in mind that for the correct application of these tax benefits, this provision of the company in favor of the employee must meet certain formal requirements, since otherwise it could be considered a liberality and, therefore, not considered deductible for the company nor exempt for the worker. These requirements, basically consist in that this benefit is a worker’s right (i.e., as agreed to pay them, for example, $18,000 per year, that his salary is $18,000 per year plus private health insurance for him and his spouse, for example) and that is paid directly by the company to the insurance company (otherwise, income in kind would not be considered, but monetary remuneration). For this, it would be convenient to prepare a document that includes the “increase of benefits” of the worker, granting said right and specifying in said document what the new benefit will consist of and the conditions of the same, so that both company and worker can keep this document as proof of the application of the tax benefit for the case of tax verification.

Can it hurt me, as an entrepreneur, to give this benefit?

In this regard, and as a collateral comment, bear in mind that the granting of this benefit implies an increase in the remuneration of workers and, consequently, may imply a higher contribution to Social Security and greater compensation. It should also be borne in mind that, as remuneration in kind, in the part that is not exempt, income on account must be applied (withholding of income in kind), so that such deposit can be assumed by the worker (lower net salary) or by the company (higher remuneration in kind, and consequently, greater remuneration in kind). This is an issue that should also be clarified in the document in which the worker agrees to grant said benefit.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

Whenever holiday dates are approaching, like Easter, summer vacations, or a long bridge, I ask myself the same question. How to organize a cheap holiday? Because it is not always an easy task. When I read journals or travel blogs, dream hotels, and heavenly destinations come out, but if you look at what it costs, in most cases, the budget does not seem to be enough. So I thought about sharing with you these tricks that I use for myself.

1. Traveling in the low season

It seems obvious, but many times we insist on traveling all at the same time. If our calendar allows it, traveling in the low season, besides being cheaper, is a joy as there are far fewer people everywhere. If this is not possible, we must take very good care of the days we choose, because in some destinations, for example, between August 1 and August 31, there may be many differences. The same happens in other countries. What for us is the occupation top. In others, either because of the weather or because the same festive calendar is not followed, it may be the best time to visit it. The key is to find out beforehand about the places in which we are interested.

2. Search offers

To hunt a good offer and find a vacation bargain, you have to be attentive all year round. Sign up for flight search newsletter, on-line travel agencies, airlines, hotel chains, transport pages, and everything you can think of. Surely at some point, what you’re looking for comes out at a much better price.

3. Choose a nearby destination

Many times most of the budget goes on transportation. To enjoy a few days of rest, we must not go to the other side of the globe, so we can forget about the plane, which is usually the most expensive means of transport. I personally love to travel by train, but there are many options currently, such as carpooling with other people or the bus of a lifetime.

As ideas, I have a couple of posts that can help you. One is six low-cost routes by car to do at Easter, and another is a low-cost route to visit Madrid.

4. Search the accommodation

Since the internet has entered our lives, the offer of accommodation has skyrocketed, and there are modalities for all tastes. From renting an apartment to a private one, do Couchsurfing or book accommodation in cheap hotels all-inclusive. This last option can be a good way to save since you do not have to spend anything else since meals (and drinks) are usually included. Mind you, spend a lot of time that calories are not on vacation!

5. Nature Destinations

If you like nature, hiking or bicycle routes, it can be a very cheap way to spend your holidays. In my experience, in urban destinations, the budget is always higher. The entrances to the tourist places, the meals, the transport to move around the city itself, the food, a coffee around here, ice cream over there, a souvenir, and the hundreds of traps for the tourist or traveler to spend. It is impossible not to fall into any.

However, in nature destinations, once prepared the backpack with the sandwich, you go out to do your routes throughout the day, and in the end, the expense is minimal. Suppose you’re not a lot of walking a good idea of cheap holidays for Easter. They are old railroad tracks, which, being in disuse, have been adapted for hiking or biking. They are generally easy to do since they usually have very little unevenness, and you do not need to have a good physical shape. Also ideal for traveling with children.

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

Cybersecurity Tips to Protect Your Business Effectively

Cybersecurity tips to protect your business effectively start with implementing multi-layered defenses that address evolving threats like ransomware, phishing, and cloud vulnerabilities. In today’s digital landscape, businesses need a comprehensive approach that combines strong access controls, data encryption, employee training, and regular security assessments to safeguard sensitive information and maintain operational continuity.

The financial stakes couldn’t be higher—data breaches now cost U.S. businesses an average of $9.36 million per incident. Having guided hundreds of businesses through their cybersecurity transformations over my 20+ years at Complete Controller, I’ve witnessed firsthand how proper security measures aren’t just protective—they’re competitive advantages. In this article, I’ll share battle-tested strategies that will help you build resilience against cyber threats, maintain regulatory compliance, and create a security-conscious culture among your team.

What are cybersecurity tips to protect your business effectively?

• Cybersecurity tips include implementing multi-factor authentication, regular data backups, employee training, securing remote access, and developing incident response plans
• Strong access controls restrict unauthorized users from accessing sensitive business systems and information
• Data encryption transforms readable information into coded text that’s useless to unauthorized users
• Employee training turns your workforce from a security vulnerability into your first line of defense
• Regular security assessments identify and address vulnerabilities before criminals can exploit them

Establish Strong Access Control Measures

Access control remains the foundation of effective business cybersecurity. Think of it as building a fortress around your digital assets—you need to know exactly who has keys to which doors, and you need those doors to be sturdy.

Start by implementing the principle of least privilege, which means giving users access only to the systems and data they absolutely need for their job functions. This significantly reduces your attack surface and limits the damage if credentials are compromised. At Complete Controller, we’ve found that regular access audits often reveal unnecessary permissions that have accumulated over time.

The statistics paint a clear picture: 43% of cyberattacks target small businesses, and 60% of those attacked shut down within six months. Small businesses are attractive targets because criminals know they often lack robust security measures.

Implement These Access Control Best Practices:

• Require strong, unique passwords for all business accounts (minimum 12 characters with complexity)
• Disable accounts immediately when employees leave the organization
• Segment your network to isolate sensitive data from general business operations
• Create separate admin accounts for IT staff to use only when performing administrative tasks

Deploy multi-factor authentication everywhere

Multi-factor authentication (MFA) has become non-negotiable for businesses of all sizes. This simple technology has proven remarkably effective at stopping unauthorized access even when passwords are compromised.

MFA requires users to provide two or more verification factors to gain access to a resource, typically something they know (password) plus something they have (a smartphone or security key). This creates a significant barrier for attackers who might have stolen login credentials.

Critical Systems Requiring MFA:

1. Email accounts (business and personal accounts used for business)
2. Cloud storage and file-sharing platforms
3. Banking and financial portals
4. Customer relationship management (CRM) systems
5. Remote access connections (VPN, remote desktop)

According to IBM’s 2024 research, organizations that implemented MFA saved an average of $2.2 million per breach compared to those without MFA—a compelling return on a relatively small investment.

Encrypt Sensitive Data Across All Channels

Data encryption transforms your business information into coded text that’s unreadable without the proper decryption keys. This means that even if data is stolen, it remains protected—turning what could be a catastrophic breach into a mere security incident.

The most effective approach is to implement encryption at three levels: data at rest (stored on devices), data in transit (moving across networks), and data in use (being processed by applications). Each requires different encryption tools and protocols.

Essential Encryption Strategies:

• Use TLS 1.3 or higher for all website traffic and email communications
• Implement full-disk encryption on all company devices, especially laptops and mobile devices
• Utilize a virtual private network (VPN) for all remote connections to company resources
• Apply data protection tips like encrypted cloud storage for backups and document sharing

Small businesses often overlook encryption because it seems technical or expensive, but many solutions are now built into operating systems or available as affordable services. The protection it provides far outweighs the implementation effort.

Implement Regular Backup and Recovery Procedures

The ransomware epidemic has made robust backup procedures more critical than ever. A comprehensive backup strategy is your ultimate insurance policy against data loss, whether from cyberattacks, hardware failures, or human error.

Consider the cautionary tale of a boutique hotel that lost over $500,000 after a ransomware attack in 2023. The attack began with a simple phishing email that an employee clicked, encrypting their reservation system and financial records. While they avoided paying the ransom because they had backups, they still faced significant operational downtime and reputational damage.

Follow the 3-2-1 Backup Rule:

1. Maintain at least 3 copies of important data
2. Store backups on 2 different types of media
3. Keep 1 backup copy offsite or in the cloud

Testing your backups is equally important—a backup that can’t be restored when needed is worthless. Schedule quarterly recovery drills to ensure your backup systems work as expected and that staff knows how to use them in an emergency.

Adopt advanced threat detection tools

Today’s cybersecurity landscape requires more than just preventative measures—you need systems that can detect threats that have already penetrated your defenses. Advanced threat detection tools use artificial intelligence and behavioral analysis to identify suspicious activities that traditional security measures might miss.

Companies using AI-driven security tools saved an average of $2.2 million per breach compared to those without such systems. These tools detect threats faster and allow for more rapid response, significantly reducing damage.

Key Threat Detection Technologies:

• Endpoint Detection and Response (EDR) systems that monitor for suspicious activities on devices
• Security Information and Event Management (SIEM) platforms that aggregate and analyze security data
• User and Entity Behavior Analytics (UEBA) to identify abnormal user behaviors
• Cloud Access Security Brokers (CASBs) that monitor cloud application usage

For small businesses with limited resources, managed security service providers (MSSPs) offer access to these advanced tools at a fraction of the cost of building in-house capabilities.

Train Employees to Recognize and Report Threats

Your employees remain both your greatest vulnerability and your strongest defense against cyber threats. A security-aware workforce dramatically reduces your risk profile, while untrained staff can unintentionally bypass even the most sophisticated security systems.

Studies have shown that employee training reduced phishing susceptibility by 75% in tested companies. This remarkable improvement demonstrates that proper training transforms your team from a potential weakness into an active security asset.

At Complete Controller, we’ve implemented a comprehensive security awareness program that includes:

Effective Security Training Elements:

• Monthly microlearning modules (5-10 minutes each) that focus on specific threats
• Quarterly simulated phishing campaigns with immediate feedback
• Clear reporting procedures for suspicious emails or activities
• Celebration and recognition of employees who identify and report threats
• Security updates in regular company communications

Make security training engaging rather than punitive. When employees feel they’re part of the security team rather than potential scapegoats, they become more vigilant and proactive about protecting company assets.

Secure Your Remote Work Environment

The shift to remote and hybrid work has permanently expanded the attack surface for most businesses. Home networks, personal devices, and public Wi-Fi all introduce new vulnerabilities that weren’t concerns in traditional office environments.

Implementing how to secure your business from cyber threats in remote settings requires a different approach than on-premises security. The perimeter-based security model of the past has given way to a zero-trust framework where verification is required from everyone, every time, regardless of location.

Remote Work Security Essentials:

• Provide company-managed devices when possible rather than allowing personal devices
• Implement mobile device management (MDM) solutions to enforce security policies
• Require VPN usage for accessing company resources
• Establish clear security policies for home networks (router settings, guest networks)
• Use cloud-based security solutions that protect users regardless of location

Remote work security isn’t just about technology—it’s also about clear policies and procedures. Document your expectations for remote workers and provide them with the tools and training they need to meet those expectations.

Develop and Test an Incident Response Plan

Despite your best preventative efforts, security incidents will occur. Your response to these incidents often determines whether they become minor inconveniences or business-ending catastrophes. A well-crafted incident response plan provides a roadmap for your team to follow during the chaos of a security breach.

Your incident response plan should outline:

1. Roles and responsibilities for key personnel during an incident
2. Communication protocols for internal teams, customers, and regulatory authorities
3. Containment strategies to limit damage and prevent spread
4. Evidence collection procedures to support potential legal action
5. Recovery processes to restore normal operations

Testing your incident response plan through tabletop exercises is crucial. These simulations walk your team through various security scenarios, helping identify gaps in your plan before a real incident occurs.

Comply with industry regulations

Regulatory compliance isn’t just about avoiding fines—it provides a framework for small business cybersecurity best practices that protect both your business and your customers. Industries like healthcare (HIPAA), retail (PCI DSS), and financial services have specific regulations, but general data protection laws like GDPR and CCPA increasingly affect businesses of all types.

Compliance Best Practices:

• Identify which regulations apply to your business based on location, industry, and data types
• Conduct regular compliance assessments using standardized frameworks
• Document your security controls and policies
• Maintain detailed audit logs of security-related activities
• Stay informed about regulatory changes through industry associations

For many small businesses, compliance requirements can seem overwhelming. Consider working with cybersecurity strategies for businesses consultants who specialize in your industry to develop a manageable compliance program.

Partner with Trusted Security Vendors

Most small and medium businesses lack the resources to maintain comprehensive in-house security expertise. Strategic partnerships with security vendors can provide access to specialized skills and technologies that would otherwise be unavailable.

When selecting security partners, look for:

Vendor Selection Criteria:

• Specific expertise in your industry and regulatory environment
• Transparent communication about their own security practices
• Clear service level agreements (SLAs) for response times
• Ability to scale services as your business grows
• Strong customer references from businesses similar to yours

Remember that outsourcing security functions doesn’t mean outsourcing responsibility. Maintain oversight of your security vendors and integrate their activities into your overall security program.

Final Thoughts: Building a Security-First Culture

Effective cybersecurity isn’t a one-time project but an ongoing business practice that requires commitment at all levels of your organization. The most secure companies build a culture where security is everyone’s responsibility and is considered in every business decision.

Data breach costs have risen dramatically over time—from $138 per record in 2005 to over $200 today—making security investments increasingly valuable. Implementing these strategies won’t make your business impenetrable, but they will significantly reduce your risk and demonstrate to customers and partners that you take the protection of their data seriously.

Start by implementing the most critical controls first: multi-factor authentication, regular backups, employee training, and a basic incident response plan. Then build on this foundation as your resources allow. At Complete Controller, we’ve helped countless businesses navigate these security challenges, and we’re ready to help you too. Contact our team to learn how we can support your business’s cybersecurity journey while maintaining efficient operations.

FAQ

What are the most common cyber threats facing small businesses today?

The most prevalent threats include phishing attacks (fraudulent emails seeking credentials), ransomware (malware that encrypts your data and demands payment), business email compromise (attackers impersonating executives), and supply chain attacks (compromising your business through trusted vendors). Small businesses are targeted in 43% of all cyberattacks because they often lack robust security measures.

How much should a small business budget for cybersecurity?

Most cybersecurity experts recommend allocating 5-15% of your overall IT budget to security, depending on your industry and risk profile. For businesses with sensitive data or regulatory requirements, this percentage should be higher. Many essential security measures like multi-factor authentication and basic employee training are relatively inexpensive compared to the potential costs of a breach.

What’s the first step I should take to improve my business’s cybersecurity?

Start with a security assessment to identify your most significant vulnerabilities. This doesn’t need to be expensive—CISA offers free assessment tools for small businesses. Once you understand your risks, implement multi-factor authentication for all business accounts, which offers substantial protection for minimal cost and disruption.

How can I tell if my business has already been hacked?

Warning signs include unexpected system slowdowns, staff being locked out of accounts, unusual network activity (especially at odd hours), missing funds or unauthorized financial transactions, and customers reporting strange emails from your company. If you suspect a breach, immediately isolate affected systems and consult with a cybersecurity professional.

Are cloud services more or less secure than on-premises systems?

Major cloud providers typically offer stronger security than most small businesses can implement on-premises. They employ dedicated security teams and invest millions in protecting their infrastructure. However, cloud security requires proper configuration and management. The majority of cloud breaches occur not because of provider vulnerabilities but because of customer misconfiguration or poor access controls.

Sources 

• Statista. “Cost of a data breach in the U.S. 2024.” 10 Oct. 2024. https://www.statista.com/statistics/273575/us-average-cost-incurred-by-a-data-breach/
• IBM. “Cost of a Data Breach Report 2024.” July 2024. https://table.media/wp-content/uploads/2024/07/30132828/Cost-of-a-Data-Breach-Report-2024.pdf
• Packetlabs. “The Top Cybersecurity Statistics for 2024.” 19 Nov. 2024. https://www.packetlabs.net/posts/the-top-cybersecurity-statistics-for-2024/
• U.S. Department of Commerce. “Kick Off a More Secure 2025.” 6 Jan. 2025. www.commerce.gov/news/blog/2025/01/kick-more-secure-2025
• Cybersecurity and Infrastructure Security Agency (CISA). “Cybersecurity Best Practices.” www.cisa.gov/topics/cybersecurity-best-practices
• KnowBe4. “Security Awareness Training Reduces Phishing Susceptibility by 75%.” 11 July 2011. www.knowbe4.com/press/security-awareness-training-reduces-phishing-susceptibility-by-75
• CISO Global. Perkins, Gary. “Back to the Basics For 2025: Securing Your Business.” 17 Jan. 2025. www.ciso.inc/blog-posts/back-to-the-basics-for-2025-securing-your-business
• National Institute of Standards and Technology (NIST). “Cybersecurity Framework.” www.nist.gov/cyberframework
• Ponemon Institute. “2009 Annual Study: Cost of a Data Breach.” 2010. https://privacylaw.proskauer.com/2010/01/articles/data-breaches/2009-ponemon-institute-cost-of-a-data-breach-study-released/
• Federal Trade Commission. “Business Security Guide.” www.ftc.gov/tips-advice/business-center/security
• Blackpanda. “Boutique hotel suffers ransomware attack.” 7 May 2024. https://www.blackpanda.com/case-studies/boutique-hotel-suffers-ransomware-attack
• Complete Controller. “Remote Work Security Post-COVID.” www.completecontroller.com/remote-work-security-post-covid/
• Complete Controller. “Efficient Paperless Office Solutions.” www.completecontroller.com/efficient-paperless-office-solutions/
• Complete Controller. “Small Business Bookkeeping: 9 Tips and Tricks.” www.completecontroller.com/small-business-bookkeeping-9-tips-and-tricks/

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Over the last thirty years, cancer, neurological (Parkinson’s and Alzheimer’s) or autoimmune diseases, diabetes and reproductive dysfunction have continued to grow. How to explain this worrying epidemic, which particularly strikes the so-called developed countries? This question is answered by the documentary film ” Our daily poison “, the result of a two-year investigation in North America, Asia and Europe. Based on many scientific studies, but also on the testimony of representatives of regulatory agencies – such as the US Food and Drug Administration (FDA). The film shows that the main cause of the epidemic is of environmental origin: it is due to some 100,000 chemical molecules that have invaded our environment, and mainly our food, since the end of the Second World War.

This major survey traces the way in which food is produced, packaged and consumed, from the farmer’s field (pesticides) to our plate (food additives and plastics). It dissects the system of evaluation and homologation of chemicals, through the examples of pesticides, aspartame and Bisphenol A(BPA), and shows that it is totally faulty and unsuitable. It tells about the pressures and manipulations of the chemical industry to keep highly toxic products on the market. Last but not least, it explores avenues to protect itself by supporting its immune mechanisms through food, as demonstrated by numerous scientific studies (criticized by the pharmaceutical industry).

100,000 chemical molecules “have invaded our environment, and mainly our food,” since the end of the Second World War.

• Less than 0.3% of pesticides reach their target, and more than 99% migrate into the environment.
• According to WHO, 1 to 3 million people are victims each year of acute poisoning by pesticides. More than 200 000 die.
• The incidence of the 20 most common cancers in the West is 10 to 30 times lower in emerging countries like India.
• Traces of 212 chemicals – including bisphenol A and pesticides – were found in the blood and urine of 2,400 Americans tested by the Atlanta Center for Disease Control in 2009.

What we eat contains residues of pesticides, fungicides and insecticides, aspartame and artificial colors. And that makes us sick. The responsibility of the chemical industry in the epidemic of chronic diseases. The journalist noted a rise in cases of cancer, Parkinson’s disease and reproductive dysfunction. 

Wherever she goes, she asks people who know a woman who has had breast cancer to raise her hand. Three-quarters of the assembly do it. Here, 40% of women and 45% of men will develop cancer during their lifetime, according to the Canadian Cancer Society. These cancers that are phenomenally growing, did you know that they particularly affect the industrialized countries that have been able to take advantage of all these new inventions?

This writer-director explained to the public that she wanted to know if Monsanto’s practices had been used by the chemical industry that produces pesticides, certain plastics, food additives, etc. The answer is radically clear, in his opinion: this industry is the main cause of “the epidemic of chronic diseases” – cancer, birth defects, decreased fertility, nervous system and hormonal disorders, etc. – whose increasing frequency compromises all efforts of medicine to increase life expectancy.

Pesticides, herbicides, preservatives, insulators, plastics. All these products from modern chemistry were initially to reinvent the wheel by facilitating agriculture, extending the life of food, solving a thousand and one problems of everyday life.

In addition to cancer, she talks about fertility problems, neurodegenerative diseases, as well as all kinds of disturbances of the endocrine system. Over the years, some links have been made quite clear to governments and regulators that some products are banned – including PCBs and now BPAs in baby bottles. Except that, in general, the possibility of links between a bunch of molecules and all kinds of diseases is often perceived as too vague for that to justify their total prohibition.

In order for the causal link between these chemicals and many of these diseases to be unquestionably and scientifically demonstrated, it would be necessary to make impossible experiments, either to force humans in cages to be exposed to a particular product for a large number of years. This proof, we will never have. In the meantime, you have to manage the risks. And it’s not because a product does not make us fall dead that it does not kill us.

Bankruptcy of control standards

Not only are current standards designed to protect the public from contaminants in their environment, or even on their plate, but they are conventions that are not based on any scientific demonstration, but they are now completely ineffective against the new generation of contaminants, which we call endocrine disruptors.

 

Toxicity studies are provided by companies, such as Monsanto, which are not more transparent and tend to hide the truth. Moreover, these studies are produced on the basis of an individual test of chemical substance. Now there are on the market today more than 100,000 chemical molecules of which we do not know anything about mixtures, this cocktail effect explosive. 

According to the studies provided, three chemicals taken separately and injected in minute doses have no effect but when these three substances are taken together then the impact is multiplied by sixty! We also learn in this survey that the famous reference to the daily dose, Paracelsus’ principle that says the dose is the poison, is totally out of sync with reality. For the vast majority of chemicals this principle adopted 50 years ago does not work.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

The functioning of a state loan leads to the formation of a public debt representing the entire amount of issued and outstanding government debt, including the amount of accrued interest that must be paid on them.

Public debt is the most complete quantitative characteristic of the state’s credit relations, reflected in statistical reporting. The size of the public debt shows only one productive aspect of the relationship: the debt of the state, formed for a period corresponding to the number of years of functioning of the long-term operating loan, the maturity of which occurs in the current year.

Management of internal public debt is a complex of measures aimed at its optimization. Public debt management is an ongoing process, which involves three phases: identifying the need for additional financial resources, attracting financial resources, repaying and servicing debt obligations.

At the first stage, the limits of state borrowings and guarantees for the next fiscal year are determined; tools for attracting resources and increasing their use are selected. The second stage involves the use of resources in external or internal financial markets through the issuance and placement of government securities, the receipt of a loan or the provision of state guarantees. The third stage is to find sources of financial resources for repaying and servicing the public debt, reducing total costs, timely execution of debt obligations. State debt obligations can be repaid at the expense of budget revenues, the country’s gold and currency reserves, cash received from the sale of state property, as well as new borrowings. 

When managing public debt, the following methods can be used:

• Refinancing;
• Restructuring;
• Conversion;
• Consolidation;
• Unification – reduction of types of circulating securities;
• deferred repayment of loans;
• Cancellation – cancellation of some bad loans;
• Debt restructuring

 

Refinancing is the repayment of old debt by making new commitments. Three main methods of refinancing public debt are used: replacement of liabilities with expired terms of repayment by new ones, equivalent to them by the amount; replacement of one obligation with another with longer maturities; placement of new bonds in order to use the proceeds for settlements on bonds with expiring maturities.

Restructuring is a review of the initial repayment schedule and servicing of public debt. When restructuring, the debtor is granted a grace period, during which only interest is paid, and the maturity of the principal amount increases.

Conversion is a change in the terms of state loans in the debtor’s interest, consisting in a reduction in interest, a new way of repaying the debt, postponing the maturity, changing the loan currency. The most common types of conversion of external public debt are the exchange of debt obligations of third countries, the repayment of debt by commodity supply, the repurchase of debt by the borrower on special terms, the exchange of debt for property.

Consolidation is a change in the maturity of loans, usually in the direction of increase by transferring short-term liabilities to long-term ones. Consolidation can be combined with conversion.

Unification means that several previously issued bonds are equal to one new bond. This measure is effective when repaying previously issued bonds and paying interest on them must be carried out in new full-fledged money.

The delay in repayment of the loan is used by the government in cases where the issuance of new loans does not bring economic benefits, since most of the proceeds from new loans do not bring economic benefits, since most of the proceeds from new loans go to repayment and interest payments on old loans. With the delay in the repayment of loans, not only the terms are set aside, but the payment of incomes is also terminated. This is the difference between the repayment grace period on the consolidation of loans, in which the bond owner continues to receive income.

The cancellation of the state debt is an extreme measure, because of which the state completely renounces obligations on issued loans; it is usually a consequence of the coming to power of new political forces.

 

Debt restructuring is the repayment of debt obligations with the simultaneous execution of borrowings or the acceptance of other debt obligations in amounts redeemed with the establishment of other terms of service and maturities. More often, in practice, it is realized as an extension of the maturity of the debt and payment of interest on it. Debt restructuring can be carried out with a partial write-off or reduction of the principal amount.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

Did you finish high school or are you going to graduate? Congratulations! You have taken a very important step to grow as a person and also as a future professional. However, if you want to improve yourself and have a better standard of living, there is still a way to go.

Studying at a university career is important for several reasons. First, because it gives you a wider picture of the world around you. In addition, studying at a university will teach you the sense of discipline and responsibility and will allow you to meet people from many fields. But, above all, having a degree and title will be the key to obtaining a better job, a salary that meets your expectations and, therefore, a better quality of life. Is it really worth going to college?

If you are still not so sure, explore the reasons why we strongly recommend studying at a university degree. Keep reading!

You will have more chances of finding a better job

Did you know that a person with a degree earns twice as much as one who only has a high school? (source: National Survey of Occupation and Employment 2015). Today more than ever, employers seek to hire people who have a university degree and this is even more important when deciding who will grow in a company.

If you aspire to have a good job, having a career is not just an “extra point” in your favor. To develop yourself in many professions, it is simply something indispensable.

You will feel surer of yourself

Having completed a career, acquired a theoretical base of knowledge, practiced to reinforce what has been learned in the classroom and formed a wide network of contacts (classmates, teachers and more) will allow you to gain confidence in yourself. Of course, you will project this security. Being a person prepared (and sure of yourself) will open many doors.

You will develop a broad and critical vision

The university aims to prepare you to face the challenges of “out there” successfully. You will know the beautiful part and also the most difficult aspects of the profession that you choose. You will face dilemmas very similar to those of the real world and you will have to make difficult decisions. In addition, you will meet countless people with similar ideas and different from yours, and acquire knowledge that will allow you to have a more critical view of the world around you. In summary: the university will broaden your horizon in ways you cannot imagine.

You will become an independent person

Studying at a university is not at all like studying in high school. In high school, teachers and your parents “run” you to attend classes and do homework. In college, you are solely responsible for your education. The teachers will be your counselors, but they will not be chasing you to get good grades. This is more positive than it sounds: you border on becoming an independent, responsible person, capable of making your own decisions. Not to mention that studying a career gives you more chances of finding a job , and therefore, having your own income.

It will prepare you to work as a team

Believe us: few attributes are as essential to succeed in the workplace as learning to work in a team. In some professions it is more important than in others, but in all of them you will have to work with other people to achieve the objectives. The university teaches you to be an independent person , but at the same time, collaborative. Team projects will be a very important part of your academic development.

Graduation will make you feel invincible

Few sensations are as satisfying as graduating from a university, getting on the podium and receiving your diploma. Without a doubt, obtaining a degree is one of the highest reasons of pride that you could give to your family, and it will always be one of the great achievements of your life. Just imagine the moment you receive your diploma and throw your cap into the sky you will feel able to overcome any other obstacle that gets in your way!

Now you know: studying at a university will prepare you to fulfill your dreams and professional goals. Do not doubt that investing in your education will be your best investment!

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.