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FBI Warns of Scam Linked to E-mail Compromises
Another Twist in Account Takeover
by Bank Info Security, by Tracy Kitten

Fraudsters intercepted legitimate e-mails between the businesses and their suppliers and then spoofed subsequent e-mails impersonating each company to the other, according to a December, 2013 warning issued by the Federal Bureau of Investigation. Losses linked to the attacks have so far totaled approximately $1.65 million.

Small Businesses and Small Financial Institutions
The important relationship between a small business and its local financial institution
Photo: Small Businesses and Small Financial Institutions
When you’re dealing with the complex financial aspects of running a small business, you may find yourself thinking that the only important factor in deciding which financial institution to work with is if it is willing to provide funding. The size of the financial institution is an important consideration, however, and it can even impact the ease of obtaining future financing. There are many benefits to working with a small, community-based financial institution that small business owners should be aware of.

Managing Capital vs. Cash in Your Small Business
The differences between cash and capital management for small business owners
Photo: Managing Capital vs. Cash in Your Small Business
Small business owners know how important it is to manage their cash flow, but they may be unsure exactly what this entails. Another common source of confusion among small business owners arises regarding the difference between cash and capital investments and figuring out how to manage both. The following information will help you determine how to best manage your small business’s capital and cash.
Save time and money in your company’s office.
Think Kaizen.
Kaizen, Japanese for "improvement", or "change for the better" refers to philosophy or practices that focus on continuous improvement of processes in manufacturing, engineering, and business management.
Is an RV Right for You?
Reasons why purchasing an RV may benefit you
Photo: Is an RV Right for You?
When you think of investing in real estate, you probably automatically think of buying a home or a condo. But have you considered a recreational vehicle? Recreational vehicles, also known as RVs, have been around quite some time now, but recently, more and more people are purchasing them.

How to Do a Home Energy Audit
Save money on your future electric bills with an independent review

As the record-breaking winter weather clears in most areas of the country, many families are experiencing higher-than-usual energy usage. This additional energy consumption not only leads to expensive energy bills, but can be damaging to the overall environment. Consider conducting an energy audit of your home to save on future bills. Many energy providers offer audits to their customers at no charge, but if yours doesn't, consider spending an afternoon conducting your own home energy audit.

French Quarter, New Orleans
Take in all this historic neighborhood has to offer

A visit to New Orleans would not be complete without a day spent in the French Quarter. In fact, you could spend an entire vacation in the historic neighborhood.

Don't Forget to Vote
"The politicians say 'we' can't afford a tax cut. Maybe we can't afford the politicians." - Steve Forbes

Published by Blackhawk Bank
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

January 2014
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