David C Branch

Amid a global pandemic, the economy continues to struggle toward a rebound. Companies across multiple fields and industry have been struck by the financial and structural complications. Abrupt workforce changes, supply chain issues, and sales decline put many companies on the verge of bankruptcy. Opportunities for mergers and acquisitions were at an all time high over the past two years. Although the opportunity for financial gain is tempting, there are serious considerations associated with ...

Technical advances in dental practice are making dentistry better with lower costs, easier access, no injections, and no drills. Tooth pain is a problem that many people have experienced at any time of day, including the middle of the night. What if there was a way for someone with tooth pain to use their smartphone and a smart toothbrush to scan their teeth for images that will be analyzed by artificial intelligence? Then, what if those images scans were automatically uploaded and sent to yo...

Once you decide to start your private practice as a dentist, you’ll have to undergo the same process as any first-time small business owner. This involves estimating the startup capital you’ll need and looking for resources to help you obtain that funding. Before you can move forward, you’ll have to create a financial forecast that includes all of the operating expenses your dental office will incur each month.
Employee Wages
You may be tempted to run your dental office by yourself, but that’...

Plastic surgery is one of the most lucrative industries in the medical space. But opening a plastic surgery practice can also present challenges that most inexperienced plastic surgeons and business owners cannot navigate effectively. Unlike a traditional storefront that sells a basic product, a plastic surgery practice has to account for both the medical and business sides of operations. Here are three common traps that most plastic surgeons run into when opening their practice.
Ineffective ...

Tackling your debt is a goal that can seem impossible to reach, but there are always options for getting debt-free. The first step you will have to take is to assess your debt by creating a list of debts, interest rates, and minimum required monthly payments. This will give you a clearer picture of what you have to pay each month while helping you determine if you really can pay down your debt gradually within a reasonable time period.
Try Credit Counseling
A credit counseling firm will help ...

Most people do not feel the need to have a personal accountant. Middle-class households generally believe that accountants are only for wealthy families and big corporations. Others assume that they are well educated enough to figure out their own finances. While most individuals and families will be able to manage their own money situations effectively, there are several valid reasons to make an appointment with an accountant.
Personal Savings
Managing a personal budget is a difficult chore ...

The cost of a college education is rising every year. Therefore, it is very important for parents to begin developing plans and budgets to send their children to school before the time comes. Creating a college fund is one of the first things that any parent should do when they are preparing to send their child off to college. A college fund can be stored in a secure savings account that will not be accessed until the child is ready for school.
Beginning to Save
The best time to begin buildin...

Americans planning for retirement today have many concerns that previous generations did not have to consider. This country has gradually moved out of a tradition where most employers offered a pension plan. In effect, this has put a burden on individuals who must now fund their retirement savings largely on their own. This is just one concern that has created an unusual state of retirement in the United States.
Social Security Funding
Perhaps the biggest strain on retirement in the United St...

Mergers can create new opportunities for the merging companies, such as a larger market share, increased efficiencies, lowered costs, and a combining of talent from both companies. Yet, despite all of these benefits, mergers can be tricky to navigate through successfully. Most firms only focus on capturing the value and benefits of a merger and essentially ignore the steps required to maintain the company’s health in terms of culture, employee retention, and day-to-day operations. Here is wha...

As a small business owner, you’ll want to do as much as you can on your own to save on your operating expenses. While some tasks you can do adequately or very well, other aspects of your business require professional expertise. When managing your business’ accounting needs, you should consider what a professional can do for you.
Create a Business Plan
One of the first things you’ll need to do in starting a new business is to set up a business plan. From qualifying for financing to renting com...

Investing your money is a prudent and wise thing to do. Unfortunately, many unscrupulous actors will try to take away your hard-earned money and leave you with nothing. Being cautious and aware of the scam tactics that con artists use in investment scams is your best line of defense against financial scammers.
Before you invest with anyone or any company, you should do a background check on them. Make sure they are registered and licensed to sell you investment products in your state. The SEC...

While you may know the basic principles of good oral care, there are plenty of myths that may adversely affect your ability to care for your teeth and gum tissue. This is a problem that affects many people, and it leads to them wondering why their oral care practices aren’t effective. If you develop frequent cavities or suffer from chronic gum disease, believing one of these myths may be the problem.
You Have to Scrub Your Teeth
When you scrub your teeth or use a firm bristled toothbrush, you...

Accounts receivable are an essential part of any business. They represent the money owed to a company for goods or services they have already provided to a customer. In other words, accounts receivables mean that you delivered a good to your customer, but they have not paid you yet for that good.
In accounting terminology, accounts receivables are listed as current assets. You can also think of accounts receivable as goods you have sold to your customers on credit. An account receivable is cl...

For many people, their 401k represents substantial savings. People might want to borrow from it for a variety of situations. Many finance professionals are against it. Each situation is different.
Some 401ks don’t allow loans. Many have hardship provisions in their charter. A quarter of people eventually make the raid on their retirement savings account.
Rules are constantly changing, but the government allows 50% of the funds, up to a limit of 50k, borrowed for five years. This loan is tax-f...

Credit scores have a significant impact on an individual’s financial health and economic well-being. Moreover, they serve as indicators of how well someone handles their finances and manages their credit. As such, it is crucial to understand the importance of a credit score and how to build and maintain creditworthiness. With that in mind, here are some essential things to know about building and maintaining a good credit score.
Credit Scores Can Impact Housing and Employment Opportunities
Wh...