It seems to me that the month of December brings bills, bills and more bills, taxes, insurance, license renewals and more. The good thing is, along with the bills come Christmas cards and greetings. It is so nice to have something other than bills to [...]

I belong to a national women’s towing association and several members’ husbands passed away this year. I admire these women so much as they continue to run their businesses and take care of their families. For me, it would be difficult to continue running my [...]

For the past couple of years, on the first Monday in December, a friend has invited me to go on a bus-shopping trip to Chicago. The first stop is Macy’s where we have lunch in the famous Walnut Room. Then the bus drops us off [...]

Tomorrow we turn the calendar to December and my first thought is: Where did the year go? There’s the idiom “time flies when you’re having fun.” Yeah right — time may go by fast, but I’m not sure about the “having fun” part. So much [...]

I’m looking out the window by my desk, and the wind is whipping the trees and swirling snowflakes. The temperature went from 60 degrees yesterday to 30 degrees today. It’s amazing to me how trees survive the changes Mother Nature deals – how they can [...]

When you purchase rolls of toilet paper, you trust you’re getting the value of the product for the price you pay. I’ve noticed that when changing a roll of toilet paper, however, the roll doesn’t quite fit on the paper roll holder anymore – it’s [...]

I answer the phone all day, but sometimes it only takes one phone call to change your whole day — sometimes even your life. I’ve received phone calls telling me of the passing of a loved one, my husband telling me he blew out a [...]

I received a letter from my health insurance agent. It started with: “There are some issues about the Affordable Care Act (ACA) that need to be discussed.” I’ve read the content of the letter a couple of times. If you think the government has a [...]

Every so often I receive an email note from the business banking department of my bank. This month the email was entitled the Economic Outlook October 2012. I wish I hadn’t opened the email. It was very depressing. From a survey they conducted, it was [...]

I consider my towing business to be a small business. The Small Business Administration has several formulas or guidelines to determine this — from who owns the company, the number of employees you have, the profession you are in to the annual receipts of sales, [...]