Wells Fargo

Displaying 1-32 of 32 results

  • White Papers // Aug 2010

    Understanding The Risk Of Deflation

    Deflation and its likelihood will be hot topics of discussion over the next few weeks. The risks of a destabilizing deflation, while still relatively low, have increased and will likely increase further during the second half of this year, when economic growth is widely expected to slow and inflationary pressures...

    Provided By Wells Fargo

  • White Papers // Mar 2010

    Creating a Report in the SAS Information Delivery Portal Using SAS Information Maps

    The purpose of this task is to guide a SAS BI developer through the steps necessary to combine SAS datasets using Information Maps and create a report which becomes available in the Information Delivery Portal. The result is a professional report viewable by the Business User within their browser. The...

    Provided By Wells Fargo

  • White Papers // Feb 2009

    Learn the Basics of Proc Transpose

    PROC TRANSPOSE is a powerful yet underutilized PROC in the Base SAS toolset. This paper presents an easy before-and-after approach to learning PROC TRANSPOSE. It contains three sample SAS input files, a set of basic PROC TRANSPOSE variations, and their output results. There is a Summary Sheet at the end...

    Provided By Wells Fargo

  • White Papers // Feb 2009

    Proc Format, a Speedy Alternative to Sort Sort Merge

    Many users of SAS System software, especially those working with large datasets, are often confronted with processing time challenges. How can one reduce the amount of CPU required to retrieve specific data? In this paper, an "Outside the box" approach using a matching method utilizing Proc Format replaces the CPU...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    The ABCs Of IRAs

    An Individual Retirement Account (IRA) is designed to help you save for retirement and offers many tax advantages. One powerful benefit is that you can delay - or possibly even eliminate - paying taxes on your investment earnings (interest or dividends paid to your IRA), depending on the type of...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Questions To Ask Yourself Before Starting A Business

    Your commitment to the idea of owning a business is most important. Why are you thinking about starting a business? Is it because you are reacting to your own work situation-perhaps becoming fed up with your boss? Were you just laid off? Or is it something you've always wanted to...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Business Expenses And Income Taxes

    This paper provides you with a comprehensive guide to calculating taxes, but to draw your attention to some of the expenses that you might incur while running your business that are legally deductible. You can reduce your tax burden if you maximize your business expenses, since you will only pay...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Both Sides Of Section 179

    For small business, nothing the federal government has done has been quite as beneficial as Section 179 legislation. But what's not always clear is the difference between taking the full write-off the law allows vs. taking the standard depreciation. What are the benefits and when it is best to use...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    A Lease On Your Terms

    Finding new space can be tough and lease terms almost always tend to favor the landlord. So does that mean you're locked into the boilerplate on any lease? "On both the operational and economic fronts, there are definitely ways to ensure the deal works for both parties" As far as...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Succession Planning For Family Businesses

    There can be many reasons behind the failure of a family business to make it from one generation to the next, including a lack of viability of the business itself or the reluctance of offspring to join the company. However, the most common reason is the failure of current management...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Integrating Business And Personal Goals

    For most business owners the success of their business drives their personal financial success, therefore, it is sensible to make sure that you have synergized the goals for both so that they are maximized. This paper explains few tasks that will help you identify areas that might need more attention:...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Things To Consider When Incorporating

    When a company incorporates it means that the business is now legally a separate entity from its owners, shielding them from any personal liability for business debts and obligations. The limited liability for those involved in corporations is often considered the primary benefit of this legal structure. However, this does...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Year-End Planning

    Before you turn off the lights on your last business day of the year, you should have checked off a host of items on your "To Do Before Year-End" list. Certain steps and tactics will save you money and affect your finances not only in the current tax year but...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Paying Payroll Taxes

    Once you become an "Employer" you will have to withhold taxes from your employees' pay and to deposit the withheld amounts with the appropriate tax agencies. As an employer, you/your company will also have to pay certain taxes based on the amounts you pay your workers. Your payroll taxes are...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Utilizing Email For Marketing

    When a customer signs up for your mailing list, let him/her know what to expect - how often messages will be received, what format they'll be in (offer choices between text and HTML) and what they'll contain. Newsletters get a better response than blatant sales pitches. Make a majority of...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Establish A Good Credit Policy For Your Company

    A good customer relationship ensures not only steady sales, but also timely payments. If you haven't done the right things to set up a payment structure, you could experience a substantial loss. Your attorney should help draw up your customer credit application. The application enables you to collect interest on...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    What Lenders Look For

    Give an exact amount up front with no delay. A precise answer shows you are prepared and organized. List the equipment prices you will pay, planned expenditures for research and development, the anticipated growth in your receivables or inventory, old debts you are consolidating or salaries for additions to your...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Protecting Your Trade Secrets: Take Practical Steps To Prevent Theft Of Your Intellectual Property

    Your business may also have trade secrets - valuable information that you'd like to keep away from competitors. Our legal system will guard against unauthorized use of that information, but protection isn't automatic. You need to take certain steps if you want legal clout. A trade secret can take many...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Your Net Margin Is A Key Indicator Of Health

    Net operating margin, also known as net profit margin, is the best barometer of a company's performance. The ratio tells how well a company converts revenue from core operations into actual profit - how many cents of profit it gets from every dollar of sales. The operating margin shows how...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Controlling Company Health Care Costs

    Beat the rising price of health care and meet your employees' coverage expectations by balancing costs among everyone in your company. Change your prescription offerings. Add a deductible to your pharmacy benefit of $250 or $500. Or offer a tiered plan: When new drugs come on the market, the employee...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    The Benefits Of Accepting Card Payments

    The popularity of credit and debit cards continues to grow in nowadays' increasingly cashless society. Consumers are paying with cards more than ever before; in fact over 81% of American households are now using at least one credit card. Be sure to display signage showing all the different cards you...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Accrual Vs. Cash-Based Accounting

    When it comes to accounting methods for business, two types are generally used: accrual and cash-based. The type of business, style of incorporation or level of sales - and sometimes a combination of those factors - determines which method you use. Under the accrual method, revenues are recognized at the...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Taking Money Abroad - A Guide For Travelers

    While each traveler has unique needs, it's generally a good idea to carry some foreign currency cash. However, to limit your dependency on any one form of funds, a better, safer approach is to use a portfolio of payment products to cover your travel expenses. Those products include credit/debit cards,...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Your Business Should Not Be Your Only Retirement Plan

    Like most other people small business owners often think about their retirement. However, an error unique to many small business owners is depending on a sole retirement nest egg? their business. Relying on the sale of a business as your exclusive funding for retirement can leave you open to many...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Insuring Your Home Business

    If you own a home-based business, do not assume your homeowners insurance will cover all its assets or other risks to your company. In fact, the homeowners policy is not designed to provide coverage for business operations, and therefore it extends very limited protection for home-based businesses. Home businesses need...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Workers Compensation: Reducing Your Risks - And Premiums

    Premiums for workers' compensation insurance and risk reduction in the workplace go hand-in-hand. The company should have a written safety plan to give to its employees to eliminate any confusion about what to do if a situation arises, which can help prevent accidents. Worker's compensation is one of the few...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Protecting You And Your Business From Fraud: Online And Offline

    Fraud is a serious threat to all businesses and has increasingly become a reality for many. The damage to your business can potentially take years to repair. Studies show that banking and paying bills online may help decrease the risk of fraud and identity theft. Never give out your account...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Do You Need Business Owners Insurance For Home Based Businesses?

    You can obtain quotes online for many types of insurance policy and you should talk to your current insurance agent if you have one. Shop around with respectable carriers, you want to be sure that the company will be there when you need to make a claim and that the...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Preparing Your Small Business For A Disaster

    As we have all seen, both natural and man-made disasters, can wreak havoc on businesses and their owners. Preparing for a disaster is a good investment in both time and resources, and may make the difference between your company surviving or failing, which in turn will impact your personal life....

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Life Insurance For Self-Employed And Small Business Owners

    Is anyone financially dependent on you? Is your business the primary income generator for your family? Could the business survive if you passed away? Do you have business partners, debt obligations you have personally guaranteed: business loans, investments, real estate? If yes, you probably need life insurance. Life insurance is...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Keeping Up With Your Coverage

    Change affects every part of your business. As you grow in sales, space or any other area, you need to account for the shifts in your company in any number of ways. One area that needs at least yearly maintenance is your insurance program. Whether you're adding a new location,...

    Provided By Wells Fargo

  • White Papers // Sep 2008

    Making It Automatic: A Guide To Using Plan Design To Improve Retirement Readiness

    The momentum for automatically enrolling employees into retirement plans is at an all-time high. The Pension Protection Act of 2006 created incentives for employers to adopt the feature, which will likely accelerate the adoption of it even more. Individuals are more than ever before responsible for their own retirement income,...

    Provided By Wells Fargo

  • White Papers // Sep 2008

    Making It Automatic: A Guide To Using Plan Design To Improve Retirement Readiness

    The momentum for automatically enrolling employees into retirement plans is at an all-time high. The Pension Protection Act of 2006 created incentives for employers to adopt the feature, which will likely accelerate the adoption of it even more. Individuals are more than ever before responsible for their own retirement income,...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    The ABCs Of IRAs

    An Individual Retirement Account (IRA) is designed to help you save for retirement and offers many tax advantages. One powerful benefit is that you can delay - or possibly even eliminate - paying taxes on your investment earnings (interest or dividends paid to your IRA), depending on the type of...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Questions To Ask Yourself Before Starting A Business

    Your commitment to the idea of owning a business is most important. Why are you thinking about starting a business? Is it because you are reacting to your own work situation-perhaps becoming fed up with your boss? Were you just laid off? Or is it something you've always wanted to...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Business Expenses And Income Taxes

    This paper provides you with a comprehensive guide to calculating taxes, but to draw your attention to some of the expenses that you might incur while running your business that are legally deductible. You can reduce your tax burden if you maximize your business expenses, since you will only pay...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Both Sides Of Section 179

    For small business, nothing the federal government has done has been quite as beneficial as Section 179 legislation. But what's not always clear is the difference between taking the full write-off the law allows vs. taking the standard depreciation. What are the benefits and when it is best to use...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    A Lease On Your Terms

    Finding new space can be tough and lease terms almost always tend to favor the landlord. So does that mean you're locked into the boilerplate on any lease? "On both the operational and economic fronts, there are definitely ways to ensure the deal works for both parties" As far as...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Succession Planning For Family Businesses

    There can be many reasons behind the failure of a family business to make it from one generation to the next, including a lack of viability of the business itself or the reluctance of offspring to join the company. However, the most common reason is the failure of current management...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Integrating Business And Personal Goals

    For most business owners the success of their business drives their personal financial success, therefore, it is sensible to make sure that you have synergized the goals for both so that they are maximized. This paper explains few tasks that will help you identify areas that might need more attention:...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Things To Consider When Incorporating

    When a company incorporates it means that the business is now legally a separate entity from its owners, shielding them from any personal liability for business debts and obligations. The limited liability for those involved in corporations is often considered the primary benefit of this legal structure. However, this does...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Year-End Planning

    Before you turn off the lights on your last business day of the year, you should have checked off a host of items on your "To Do Before Year-End" list. Certain steps and tactics will save you money and affect your finances not only in the current tax year but...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Paying Payroll Taxes

    Once you become an "Employer" you will have to withhold taxes from your employees' pay and to deposit the withheld amounts with the appropriate tax agencies. As an employer, you/your company will also have to pay certain taxes based on the amounts you pay your workers. Your payroll taxes are...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Utilizing Email For Marketing

    When a customer signs up for your mailing list, let him/her know what to expect - how often messages will be received, what format they'll be in (offer choices between text and HTML) and what they'll contain. Newsletters get a better response than blatant sales pitches. Make a majority of...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Establish A Good Credit Policy For Your Company

    A good customer relationship ensures not only steady sales, but also timely payments. If you haven't done the right things to set up a payment structure, you could experience a substantial loss. Your attorney should help draw up your customer credit application. The application enables you to collect interest on...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    What Lenders Look For

    Give an exact amount up front with no delay. A precise answer shows you are prepared and organized. List the equipment prices you will pay, planned expenditures for research and development, the anticipated growth in your receivables or inventory, old debts you are consolidating or salaries for additions to your...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Protecting Your Trade Secrets: Take Practical Steps To Prevent Theft Of Your Intellectual Property

    Your business may also have trade secrets - valuable information that you'd like to keep away from competitors. Our legal system will guard against unauthorized use of that information, but protection isn't automatic. You need to take certain steps if you want legal clout. A trade secret can take many...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Your Net Margin Is A Key Indicator Of Health

    Net operating margin, also known as net profit margin, is the best barometer of a company's performance. The ratio tells how well a company converts revenue from core operations into actual profit - how many cents of profit it gets from every dollar of sales. The operating margin shows how...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Controlling Company Health Care Costs

    Beat the rising price of health care and meet your employees' coverage expectations by balancing costs among everyone in your company. Change your prescription offerings. Add a deductible to your pharmacy benefit of $250 or $500. Or offer a tiered plan: When new drugs come on the market, the employee...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    The Benefits Of Accepting Card Payments

    The popularity of credit and debit cards continues to grow in nowadays' increasingly cashless society. Consumers are paying with cards more than ever before; in fact over 81% of American households are now using at least one credit card. Be sure to display signage showing all the different cards you...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Accrual Vs. Cash-Based Accounting

    When it comes to accounting methods for business, two types are generally used: accrual and cash-based. The type of business, style of incorporation or level of sales - and sometimes a combination of those factors - determines which method you use. Under the accrual method, revenues are recognized at the...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Taking Money Abroad - A Guide For Travelers

    While each traveler has unique needs, it's generally a good idea to carry some foreign currency cash. However, to limit your dependency on any one form of funds, a better, safer approach is to use a portfolio of payment products to cover your travel expenses. Those products include credit/debit cards,...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Your Business Should Not Be Your Only Retirement Plan

    Like most other people small business owners often think about their retirement. However, an error unique to many small business owners is depending on a sole retirement nest egg? their business. Relying on the sale of a business as your exclusive funding for retirement can leave you open to many...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Insuring Your Home Business

    If you own a home-based business, do not assume your homeowners insurance will cover all its assets or other risks to your company. In fact, the homeowners policy is not designed to provide coverage for business operations, and therefore it extends very limited protection for home-based businesses. Home businesses need...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Workers Compensation: Reducing Your Risks - And Premiums

    Premiums for workers' compensation insurance and risk reduction in the workplace go hand-in-hand. The company should have a written safety plan to give to its employees to eliminate any confusion about what to do if a situation arises, which can help prevent accidents. Worker's compensation is one of the few...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Protecting You And Your Business From Fraud: Online And Offline

    Fraud is a serious threat to all businesses and has increasingly become a reality for many. The damage to your business can potentially take years to repair. Studies show that banking and paying bills online may help decrease the risk of fraud and identity theft. Never give out your account...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Do You Need Business Owners Insurance For Home Based Businesses?

    You can obtain quotes online for many types of insurance policy and you should talk to your current insurance agent if you have one. Shop around with respectable carriers, you want to be sure that the company will be there when you need to make a claim and that the...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Preparing Your Small Business For A Disaster

    As we have all seen, both natural and man-made disasters, can wreak havoc on businesses and their owners. Preparing for a disaster is a good investment in both time and resources, and may make the difference between your company surviving or failing, which in turn will impact your personal life....

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Life Insurance For Self-Employed And Small Business Owners

    Is anyone financially dependent on you? Is your business the primary income generator for your family? Could the business survive if you passed away? Do you have business partners, debt obligations you have personally guaranteed: business loans, investments, real estate? If yes, you probably need life insurance. Life insurance is...

    Provided By Wells Fargo

  • White Papers // Jan 2009

    Keeping Up With Your Coverage

    Change affects every part of your business. As you grow in sales, space or any other area, you need to account for the shifts in your company in any number of ways. One area that needs at least yearly maintenance is your insurance program. Whether you're adding a new location,...

    Provided By Wells Fargo

  • White Papers // Feb 2009

    Learn the Basics of Proc Transpose

    PROC TRANSPOSE is a powerful yet underutilized PROC in the Base SAS toolset. This paper presents an easy before-and-after approach to learning PROC TRANSPOSE. It contains three sample SAS input files, a set of basic PROC TRANSPOSE variations, and their output results. There is a Summary Sheet at the end...

    Provided By Wells Fargo

  • White Papers // Feb 2009

    Proc Format, a Speedy Alternative to Sort Sort Merge

    Many users of SAS System software, especially those working with large datasets, are often confronted with processing time challenges. How can one reduce the amount of CPU required to retrieve specific data? In this paper, an "Outside the box" approach using a matching method utilizing Proc Format replaces the CPU...

    Provided By Wells Fargo

  • White Papers // Mar 2010

    Creating a Report in the SAS Information Delivery Portal Using SAS Information Maps

    The purpose of this task is to guide a SAS BI developer through the steps necessary to combine SAS datasets using Information Maps and create a report which becomes available in the Information Delivery Portal. The result is a professional report viewable by the Business User within their browser. The...

    Provided By Wells Fargo

  • White Papers // Aug 2010

    Understanding The Risk Of Deflation

    Deflation and its likelihood will be hot topics of discussion over the next few weeks. The risks of a destabilizing deflation, while still relatively low, have increased and will likely increase further during the second half of this year, when economic growth is widely expected to slow and inflationary pressures...

    Provided By Wells Fargo