Self-Employed? Own a Small Business? Seize These Year-End Opportunities to Optimize Your Long-Term Cash Flow

Dec. 31 is just four days away. If you're self-employed or own a small business, here's a handful of things you can do to optimize your long-term cash flow -- for yourself, your business and/or your employees...

1] Open and/or fund a 401[k] or SEP-IRA account. The ShareBuilder 401[k] is an affordable, simple and flexible retirement program for small-business owners looking to save money while helping employees invest in their futures. Self-employed people might be interested in a SEP-IRA or other retirement vehicles offered by Schwab, Fidelity, E*Trade and other brokerages. NOTE: To maximize tax benefits and cash flow, accounts needn't be funded by Dec. 31. They simply need to be opened by year's end, then funded before taxes are filed.

2] Is it time for your office to have a hot, new Mac? Tax benefits for business. Buy your new Mac by Dec. 31 at the Apple Store.

3] Looking to replace your HP printers, print cartridges, etc.? Get some HP hot deals -- Winter '06 promotions.

4] Resolve to boost your productivity in 2007 with a new PDA. Check out these deals on Palm handhelds and Treo smartphones.

5] Stock up on pens, paper, paper shredders and other office must-haves at Staples.com.

6] Always wanted an ergonomically designed, award-winning Herman Miller Aeron chair [pictured above]? Now's the time to buy it at HomeOfficeSolutions.com. Beat the 2007 Herman Miller price increase -- shop now at www.homeofficesolutions.com.

7] Secure your computer[s] in 2007. Get Norton Internet Security 2007 today!

8] Going global? Learn the language of your new clients, customers and colleagues with Rosetta Stone language software.

9] April 15 is sooner than you think. Have TurboTax Federal + State Home and Business 2006 Win/Mac at the ready to prepare your taxes.

10] Feeling charitable? Charity Navigator's online evaluator will help you match your dollars with your interests, and determine which not-for-profit groups are likeliest to utilize your financial gifts most effectively.
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