Humble Roots Entrepreneur

  There are many reasons to retire early, whether for health benefits, a career change, or to pursue your passions. However, withdrawing funds from an IRA account prior to reaching the age of 59 and a half typically results in a 10% penalty in addition to normal taxes. In this article, Black Forest Global will show you five ways to avoid penalties while earning an income from your investments. Non-Retirement Assets If you have accumulated a post-tax nest egg of cash or other investment assets, you will not be subject to penalties and will only owe tax on the gains realized. It is recommended that newly retired individuals withdraw from these assets first, allowing pre-tax assets in IRAs and 401(k)s to grow tax-deferred. Naturally, keeping some cash on hand is always a good idea, so avoid completely depleting your checking and savings accounts. Roth IRA Basis People frequently forget that they have access to Roth IRA contributions at any age, whether or not they are retired. You wi...

  Copywriters are needed in a variety of industries including healthcare, sports, finance, and fashion. Copywriters can assist businesses by creating lead-generating content such as blogs, social media posts, landing pages, marketing email campaigns, and more. A growing number of businesses are hiring copywriters to increase scalability and brand presence while saving time and money.    While copywriters are needed everywhere, this type of writing is quite unique. You can write in a vertical market where you have expertise in one skill while also getting paid to learn about other industries and professions that you are unfamiliar with. Having said that, copywriting isn't for everyone. In order to create exceptional copy that moves your company forward, you must be extremely focused and disciplined.     Black Forest Global has compiled a list of pros and cons of being a copywriter to help you decide whether it is the job for you. And if your company needs pr...

Budgeting is the foundation for the success of any business. And for many businesses and freelancers, using online business budget software is essential to automating their financial tasks. From expense tracking to report generation, the right budget software can significantly improve the efficiency of your business.   With so many different solutions to choose from, it can be difficult to find the best fit for you. To guide you in your search, Black Forest Global has compiled a list of seven of the best budgeting and accounting software options available today.    QuickBooks   While QuickBooks is labeled as accounting software, it can automate virtually every aspect of your financial business, from invoicing and billing to expense tracking. The simple interface makes budgeting and expense tracking a breeze. A significant selling point for small businesses is the ability to create custom reports or use one of the pre-built reporting options, which simplifies t...