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You, Family, Business

To Help You Look at Yourself, Your Family, and Your Business as One Entity…To Save Money and Build More Wealth

As a business owner and executive you have very special options and needs, unlike the executives in larger companies.

In many situations, it’s important, if not critical, to view yourself, family, and business asone entity. This is particularly important when determining your compensation…setting aside more money for retirement…owning personally your company’s equipment and facilities…hiring family members…planning for business continuity…raising capital…and valuing and selling the business.

The reports in this category include topics to help you accomplish the following:

  • cash in on your years of hard work,
  • save money and build more wealth, and
  • protect what you and your family have accumulated.

Based on our 30-plus years experience as a publisher and our investment banking activities, there are many actual Case Studies in our reports and manuals. All are real-life examples of how other business owners solved problems, valued and sold their businesses, took advantage of opportunities, met big challenges, and protected themselves and families when transacting with their company.

To better address your specific needs, we have included in the resources listed below our Personal Finance Reports.

Good luck in your business and much happiness and success to you and your family.

Tom Martin, Publisher and President
YourBusinessLibrary.com

All products in YourBusinessLibrary.com are updated continually to reflect recent tax legislation, and all annual indices and limits published by the IRS and other organizations.

 

#02: How to Determine the Value of a Business

Includes a Case Study to apply to your own business or one you want to acquire, with how to compute the final, weighted value of an actual company.
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#03: Buy-Sell Agreements and Succession Planning

Information on buy-sell methods, how to value and protect ownership, and how to finance the buyout for owners, executives, and family members of closely held businesses.
MORE INFORMATION

 

#05: 20 Ways to Build Your Retirement Fund

Includes ways to increase your retirement income, how to prepare a Retirement Cash Flow Model and make up deficits to meet your retirement needs, with tools to project how much you will have based on additional contributions, savings rate, and how long that money will last.
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#06: Selling a Business: Structuring and Negotiating the Best Deal

Includes a Case Study to help you prepare your own business for sale, increase its value, and your options to get paid.
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#07: Criteria for Setting Your Compensation

Guidelines for setting compensation to help you determine, increase, and justify your annual salary, and that of your executives, spouse and other family members. Includes 12 compensation criteria, cautions, loans, and other issues.
MORE INFORMATION

 

#15: How to Protect Against Misuse of Business Ownership

There are many times in which part of the ownership of a business is sold, transferred, or given away. Done incorrectly, it can put you and the entire company at risk. This Report covers the many pitfalls and provides a sample Investment Letter from the buyer/recipient.
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#16: Buying a Business: How to Do It the Right Way

Purchasing all or part of another business demands careful analysis. This Report provides a detailed acquisition guideline, and a Case Study to illustrate what kinds of things can go wrong and the consequences when they do.
MORE INFORMATION

 

#17: How to Protect Your Company’s Confidential Information

How to avoid misuse of a company’s proprietary information by potential buyers, lenders, investors, executives and employees, consultants, advisers, salespeople, agents and reps, and competitors. Includes a sample Confidentiality and Nondisclosure Agreement.
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#22: Money To and From Your Company: For Owners, Executives, and Family

How to avoid the severe tax implications of loans from your company that the IRS views as taxable compensation or a dividend. Applies to owners, partners, board members, employees, family members, and affiliated businesses.
MORE INFORMATION

 

#23-A. Why You Should Personally Own Your Company’s Facilities

A Wealth-Building Strategy for You and Your Family to Own Assets Outside the Business
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#27: Your Family’s Role in Business Continuity and Succession Planning

Detailed answers to questions about transferring or selling a business, with the impact on estate planning, business continuation, ownership, retirement, insurance, tax implications, and much more.
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#28: How to Finance a Business: Common Stock, Preferred Stock, Debt, and Convertible Securities

How to use debt, common stock, preferred stock, and convertible securities to get needed capital for equipment purchases, working capital, debt repayment, and expansion. Includes Case Studies on each financing method and sources of capital.
MORE INFORMATION

 

#29-A. Case Study: How One Owner Received 33 Times Earnings and 150% of Book Value for His Company

Selling or Buying a Business? Why You Must Adjust the Financial Statements to Know Its Real Value
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#29: Your Will and Estate: Will It Do What You Want It to Do?

What to know and how to design a will that saves your heirs taxes and distributes assets according to your intentions. Includes codicils, family transactions, IRS alerts and cautions, distribution options, trusts, estate planning, and a Family Information Roadmap.
MORE INFORMATION

 

#30: Your Insurance: Getting the Most from Your Life Insurance Dollars and Protecting What You Have

A comprehensive checklist to audit all of your personal and business insurance coverage, including an inventory of policies/coverage, identifying gaps, selecting settlement options, and 17 ways to reduce and effectively use premium outlays.
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#31: Your Home: Mortgages, Refinancings, Ownership, Sale, Insurance, and Taxation

The rules, restrictions, and options on the increasingly complex management task of home ownership. Includes analysis of mortgage financings, home equity loans, second and vacation homes, property insurance, and business use of a home.
MORE INFORMATION

 

#33: Your Retirement: A Roadmap for Your Retirement Planning

How to design a retirement plan that considers all legal and tax options, with planning options, retirement income model, contribution options and limits, use of IRAs/Roth IRA, and compliance and recordkeeping. Includes 27 facts and alerts to use today.
MORE INFORMATION

 

#34: Your Business: How the IRS Values a Family Business for Heirs, Successors, Gifts, and Estate Taxes

To help you establish the value of a family business for your family, heirs, successors, or the IRS. Includes a Case Study, review of goodwill, use of discounts, and 8 valuation methods with a final weighted value.
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#35-A. Annual Review: Company Minutes, Compensation, and Family Dealings

To Help You Stay Out of Trouble with Other Company Owners, Creditors, the IRS, and To Comply with State Laws
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#35: Your Assets: Financing and Refinancing Personal, Investment, and Business Properties

A review of all factors to be considered before financing or refinancing a personal, business, or investment mortgage, with an analysis of all costs associated with financing and refinancing.
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#42-A. How to Prepare a Family Roadmap for Analysis and Distribution of Your Assets

To Help You Get Everything in Order, To Use Today and Save for Future Reference
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#50-A. Five Ways to Distribute Your Assets: Did You Choose the Wrong Method?

This $1,000,000 Estate Distribution Will Answer the Question
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#51-A. Executive Actions That Can Result in Personal Liability

To Help You Avoid Personal Liability when You or Family Transact with the Company
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Solutions

  • Asset Analysis/Valuation
  • Business Math
  • Buying, Selling, Valuing a Business
  • Capital and Financing
  • Compensation Benefits
  • Estates, Wills, Trusts
  • Improving Cash Flow/Profit
  • Insurance
  • Leasing and Renting
  • Personal Finance
  • Real Estate
  • Succession Issues
  • Tax Planning
  • You, Family, Business

Information Center

  • 40 Resource Reports
    • 28 Business Resource Reports
    • 12 Personal/Family Reports
  • 14 Action Reports
  • Case Studies
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  • Ideas of the Month

For You and About Us

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Ideas of the Month

  • Four Action Alerts on Purchasing, Inventory, and Suppliers
  • Facts and Due Diligence to Adequately Protect Your Home
  • Have You Selected the Right Executor/Executrix?
  • Know Facts and Cautions on Buying Zero Coupon Bonds vs. Regular Bonds
  • Protect Assets and Net Worth with Umbrella Insurance
  • How to Automatically Increase Your Life Insurance
  • Use of a Living Trust Is Not for Everyone
  • Owner Is Forced to Sell, but Gets Cash and Affiliate
  • What Investment and Workshop Expenses Are Tax Deductible?
  • Business Association Insurance Can Reduce Costs

Our Idea of the Month are brief articles designed to help you save money, protect your assets, make more-informed decisions, and increase your personal and business wealth.


Tom MartinThe Ideas of the Month are principally written by Thomas J. Martin, publisher and president, author, lecturer, consultant, investment banker, college professor, and founder of our publishing company in 1977. For 39 years, Tom has helped hundreds of businesses and individuals on many of the topics covered on this website. The Case Studies are actual, real-life examples of how businesses and individuals solved problems, took advantage of opportunities, and met big challenges. For subjects covered, please see Solutions (15 Critical Subject Areas) in the Menu Bar at the left side of this page. Enjoy and we look forward to reading your comments

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