If you were planning to do a “Roth IRA” conversion to keep your retirement savings permanently out of the hands of the IRS, you might want to get on it. The new tax bill on Capitol Hill is going to scrap these conversions for everybody after the end of the year—and, no, not just for those earning more than $400,000 a year. The bill “prohibits all employee after-tax contributions in qualified plans and prohibits after-tax IRA contributions from being converted to Roth regardless of income level, effective for distributions, transfers, and contributions made after Dec. 31, 2021,” reports the House Ways & Means Committee.
It’s a good practice for each of your team members to have their own personal business phone numbers. There are many reasons why they shouldn’t use their personal cell phone number for business, so you’ll want to give them their own phone number through your VoIP provider or phone system.

If you get stage fright at the thought of making a sales call and leaving a voicemail, preparation can go a long way. Knowing what you’re going to say before you dial – and even running through the script a couple of times – can make you feel more in control. If you want to know exactly how you’ll sound and where improvements have to be made, leave yourself the voicemail and listen to it back. You can also use a breathing exercise to help yourself relax and keep your voice steady.
If you’ve spent any amount of time in the digital marketing world, you’ve likely heard copywriting vs. content writing mentioned more than once. While the terms are both defined as forms of marketing communication, they’re fundamentally different and serve unique purposes. In the overarching...