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I Own a Small Business. When Are My Tax Deadlines For 2023?

For most Americans, tax day comes once per year. That’s not the case for businesses though. If you own a business, you have to file tax forms on a regular basis. There are deadlines you must stay on top of from quarterly income taxes to paying payroll taxes. Below are the deadlines that small businesses need to worry about and when they will occur in 2023. If you’re looking for tax automation for your small business, consider working with a financial advisor.

Small Business Estimated Tax Deadlines

Everyone who makes money independently, from a business to a freelancer, needs to file estimated income taxes. These are commonly known as “quarterlies,” because you file them roughly every quarter.

The IRS requires this for several reasons. The main reason is to smooth out the agency’s income. Instead of collecting its money once per year, estimated taxes ensure that it has money coming in on a regular basis. Quarterly payments also make it more likely that any given business or individual will have money on hand. Many small businesses fail to properly set aside their tax money, so the IRS would have trouble collecting if it waited for a full year’s taxes all at once.

Quarterly tax payments are the estimated amount of income tax that you owe based on your income since your last estimated payment (typically the past three months). You can either make a complete calculation of all income, deductions and expenses to determine your correct current tax bracket or you can apply your past year’s tax bracket to the past quarter’s income; this is why it is called an “estimated” tax payment because the IRS allows back-of-the-envelope calculations.

In 2023, you must file quarterly taxes on the following dates:

First Quarter, January – March: Due April 18, 2023
Second Quarter, April – May: Due June 15, 2023
Third Quarter, June–August: Due Sept. 15, 2023
Fourth Quarter, September–December: Due Jan. 16, 2024

Small Business Income Tax Deadlines

Just like individuals, businesses must also file their income taxes each year. The deadlines for when you must file these taxes differ based on the nature of your business, but these are the deadlines by which you must either file your taxes or file for an extension:

Partnerships, LLCs and S Corporations Using A Calendar Year: Due March 15, 2023
C Corporations and Sole Proprietors Using A Calendar Year: Due April 18, 2023

The IRS has scheduled Tax Day for Tuesday, April 18, 2023 because Washington, DC, recognizes a local holiday known as Emancipation Day on Monday, April 17, 2023. Tax-exempt and political organizations must file their taxes on April 17, 2023, but they are not small businesses.

Note that these deadlines do not apply to corporations using a fiscal year system. If you use fiscal year accounting, then you must file your taxes by the 15th of the fourth month after the close of your fiscal year, adjusted for any holidays or weekends.

And remember, when it comes to the IRS filing deadlines two rules usually apply: First, if you submit electronically then it is considered on time as long as you get your forms in by midnight of your local time zone on the day it’s due. Second, if you submit your forms by hard copy then they are considered on time as long as they are postmarked by the due date.

Small Business Tax Form Deadlines

Running any business requires relatively frequent contact with the IRS, as you manage to report for both your and your employees’ money. We will not go into the complete list of monthly payroll tax filings, for that level of granularity sees the IRS’ complete tax calendar. However, the important unique deadlines you need to know are:

Employees Must Receive W-2 Forms: Jan. 31, 2023
Independent Contractors Must Receive 1099 Forms: Jan. 31, 2023
Switch Business Election to S-Corporation for 2023 Taxes: March 15, 2023
File Business Taxes After An Extension, Partnerships, LLCs and S Corporations Using A Calendar Year: Sept. 15, 2023
File Business Taxes After An Extension, C Corporations and Sole Proprietors Using A Calendar Year: Oct. 16, 2023

There are a few critical things to remember. First, the deadline for employees and contractors to receive their tax paperwork is different than most other IRS deadlines. In that case, Jan. 31 is the date by which they must have the documents in hand, either electronically or in hard copy.

Second, while a tax extension gives you six extra months to file your paperwork, you still have to make an estimated tax payment in March or April (depending on the nature of your company). If your estimated payment is significantly less than the taxes that you end up owing, the IRS will charge you an underpayment penalty.

Small Business Payroll Tax Deadlines

Every organization with employees must also handle payroll tax filing and payments. You are required to pay your employees’ payroll taxes and income taxes withholding regularly, typically on either a monthly or biweekly basis depending on the nature of your business.

In addition to making these payments, you must also regularly file a payroll tax form with the IRS. While some very small businesses can do this by filing Form 944 with their annual returns, most businesses will handle payroll tax filings by filing Form 941 on a quarterly basis. If this paperwork shows any additional taxes owed beyond the deposits you have already made, those payments will be due one month after you file.

Those deadlines are:

First Quarter, January – March: Filing Due March 31, 2023; Payment Due April 30, 2023
Second Quarter, April–June: Filing Due June 30, 2023; Payment Due July 31, 2023
Third Quarter, July – September: Filing Due Sept. 30, 2023; Payment Due October 31, 2023
Fourth Quarter, October – December: Filing Due Dec. 31, 2023; Payment Due Jan. 31, 2024

The Bottom Line

Running a small business involves frequent contact with the IRS. From payroll taxes to estimated quarterlies, the tax deadlines for your small business are important to keep up with so that you don’t end up incurring penalties or fees. In fact, you could even be forced to disband your legal entity for your business if you don’t meet certain deadlines. It may be best to hire a professional to manage all of these deadlines for you if it’s too much to focus on.

Tips for Tax Planning

Good financial advice isn’t just for individuals. Financial advisors can also help you if you own a business and need better tax planning or management. If you don’t have a financial advisor, finding one doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
Small businesses have their own set of credits, deductions, expenses and more. Make sure that you claim everything that you’re entitled to, so you can keep those taxes as low as possible.

Photo credit: ©iStock.com/Zinkevych, ©iStock.com/AJ_Watt, ©iStock.com/Dan Rentea

The post Small Business Tax Deadlines for 2023 appeared first on the SmartAsset Blog.

Crispy Sticky Asian Chicken Wings

My boys LOVE chicken wings!

What’s not to love about a crispy sticky Asian wing?

Before allulose came along, I was never able to create a sticky sauce for chicken wings.

I used Wholesome Yum Allulose Simple Syrup to make these delicious Crispy Sticky Asian Wings! You must try this recipe!

WHERE TO GET INGREDIENTS FOR CRISPY STICKY ASIAN WINGS

If you haven’t noticed, I do not allow advertising on my site.

I just didn’t agree with some of the products that were advertised. They were keto products, but they were unhealthy and I would never personally eat most of the products. It was hard to say no to blog advertisements; they pay thousands of dollars a month, but I just feel uncomfortable about having the products I didn’t recommend on my website.

Instead, I have created a shopping list where you can find all the healthy ingredients that are difficult to find in grocery stores (and if you do find them, they are often very expensive).

I have done a lot of detective work and found the lowest prices on for all of the products I use and love. Everything from food, pantry items, kitchen tools, supplements, and skin products are on my list.

I rarely waste time in the grocery store because I find everything online for a way better price!

All you have to do is click on the words in my recipe and it will take you right to the correct item. If you add them to your cart I get a tiny commission that helps me afford to keep practicing recipes (Recipe experimenting can cost me a fortune!…but I love helping!).

I also have GREAT HOLIDAY GIFT IDEAS on the list!

Happy Shopping and THANK YOU for all your support!!!

Crispy Sticky Asian Chicken Wings

Maria Emmerich

Prep Time 10 min

Cook Time 30 min

Total Time 40 min

Course Egg Free, Main Course, Nut Free, Poultry

Cuisine Asian

Servings 4 servings

Calories 422

Place a piece of parchment on a rimmed baking sheet.
Dry the chicken wings well with paper towels.
Place the wings in a large bowl and add the baking powder, salt and pepper. Toss to combine so there is a light coating all over each wing. Discard any remaining coating.
Place the wings in a single layer on the baking sheet with skin side up. Set in the fridge for 30 minutes.
Preheat oven to 400 degrees F.
Bake for 30 minutes until the wings are golden and crispy. Take out of the oven to cool slightly.
While the chicken wings bake, prepare the sticky Asian sauce. Place all of the sauce ingredients into a saucepan, stir and bring to a boil. Allow to bubble for 5-10 minutes until the sauce reduces and thickens slightly (it will thicken as it cools). Remove from the heat.
Place the wings in a large bowl and very carefully pour over the sticky sauce. Toss to combine. Garnish with green onions sliced on the diagonal.

“My husband and I recently did the health assessment. For different health and life reasons. We are now on the supplement plan from both our health assessments. We are so impressed! Both of us have been Keto since February of 2017. No cheats, but we became very lazy.
We have been following The Emmerich way for about 6 months. What a difference!
The hubby had plateaued and since taking the supplements and following what Maria and Craig suggested, he has lost 14 pounds!
I have more clarity, sleep better, headaches are gone, I could go on and on about the benefits and I have also lost about 5 pounds (weight loss was not my number one goal). We both feel so much better! We highly recommend the health assessment by getting your macros right and following the suggestions.
Thank you Maria Wojcik Emmerich and Craig Emmerich! xo” – Cathy

Most people I consult are doing keto totally wrong. Get fast results with the my Mind-blowing Keto School!

Click HERE to check out my supplement plans!

Can Your Practice Afford a Data Breach?

Probably not.

A recent study found that the total average cost of a healthcare breach is $10.10 million.

We can help you stay on top of the latest news that affects your everyday life. Subscribe to stay up to date. (To subscribe to our blog click here).

Can your healthcare practice afford a breach? Most healthcare entities cannot.

Since 2020, healthcare breach costs have risen by 42%.

As we know healthcare breaches are incessant, it is important to understand trends.

The trends that have emerged over the past few years are:

Repeat attacks. Many healthcare entities have seen repeat attacks. Organizations with automated security systems were able to shorten the breach lifecycle and mitigate the damage caused by the breach.
Consistent causes. The most common cause of data breaches were stolen credentials. Ransomware also continues to plague healthcare entities, with ransomware increasing by 41% in the last year.
Consistent place. The most common place for data breaches to occur is in the cloud.

While data breaches can be threatening, there are also good trends that have emerged over the past few years. These include:

Automated security shortens breach lifecycles. When possible, make sure that your updates are automated and all security patches are up to date. Having sufficient security measures in place is your first line of defense for a cyber attack or breach.
Shorter breach lifecycles mean lower costs. The quicker your practice is being able to audit the damage and get up and running after a breach, the less money the breach will cost.
Having appropriate policies and procedures with well-trained employees leads to shorter lifecycles. When your staff knows how to handle a breach, they can act quickly and mitigate the damage caused by the breach. This is essential when trying to get your practice back online and keep your patients’ protected health information unaffected.

So how can you protect your practice?

Work with your healthcare attorney to ensure that your HIPAA risk assessment is up to date and your security measures are sufficient.
Test your breach readiness plan often.
Make sure your policies and procedures clearly detail how to proceed in the event of a breach.
Train your employees. We help our clients train their employees to know what to look for and what steps to take to respond to a breach right away.

If you have questions or need help with your healthcare breach readiness and response or HIPAA risk assessment, contact Rickard & Associates today.

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Do you need help updating your Business Associate Agreement or negotiating contracts with third-party vendors? We can help. To contact us about your Business Associate Agreement, your vendor contracts or your other legal needs, call us today.

Protein Fudgesicle – Maria Mind Body Health

Remember Fudgesicles? I LOVED them!

My easy protein fudge cycles are not only awesome for all of you, but for your children! If you have children who are picky eaters and don’t eat enough protein, make them my protein fudge cycle! Better yet, have your children make them! Yes, these healthy fudgesicles are so easy, your children can make them! Kids are more likely to eat something new if they make it!

All they need to do is measure and toss the ingredients into a blender! The hardest part is the wait!

HOW TO MAKE KETO PROTEIN FUDGESICLES

To make my easy Protein Fudgescicles, I used Equip Prime Protein! Their chocolate protein is delicious and makes the best healthy fudge cycle!

Equip Prime Protein powder is my favorite protein powder because it is dairy free and it is made from beef which is the most nutrient-dense food! I also love it because it tastes AMAZING! It’s so awesome to have a fudge that is healthy and packed with protein!

Equip is so generous, they are offering 15% off when you use code MARIA!

Fudgesickle protein

Maria Emmerich

Course Dairy Free, Dessert, Egg Free, Nut Free, Snack

Cuisine American

Servings 5 servings

Calories 158

Place all the ingredients into a blender and puree until smooth. Taste and adjust sweetness to your liking.
Pour into ice pop molds (click HERE to find the ones I use). Place into the freezer for 4 hours or until set.

Doesn’t Irene look AMAZING? She lost 80 pounds! I am so proud of her!

“Hi! I feel like I need to do a personal post about how food has changed my life!
The pic on the left, I was doing a lot of walking, some exercise and thought I was eating alright. Well the genetics family were definitely winning. 1-1/2yrs later drs we’re talking about putting me on meds for hypertension, if the weight didn’t come off. Also had foot surgery and feeling down.
Then just before the pandemic (3wks) I decided to try keto/low carb and weight just started to come off. I did everything wrong/right. Low carb wraps, the breads, and tired.
Then I found Maria Emmerich, who personally said to me. If you just want recipes, please help yourself. Or if you need personal coaching reach out I’m happy to help. That touched me on so many levels. With the Emmerich’s way, I am over 80lbs down and 60+ inches and wanting to continue for me!
This has been a great journey so far! Can’t wait to see where it leads.
Maria, Craig and family thank you from the bottom of my heart” Irene

Most people I consult are doing keto totally wrong. Get fast results with the my Mind-blowing Keto School!

Click HERE to check out my supplement plans!

Shiba Inu (SHIB) faces a whale selloff, Dogecoin (DOGE) investors worried after Elon’s Tweet, RenQ Finance (RENQ) all set for a top 100 coins run in 2023

RenQ Finance (RENQ), the latest sensation in the DeFi space, is on track to join the list of top 100 coins in 2023. This comes after the bear market of 2022, which wiped out a lot of investors’ funds.

RenQ Finance has gained higher adoption, more investors, and positive public sentiment. On the other hand, Shiba Inu is facing a massive sell-off as whales in the crypto market dump their tokens to mitigate against potential losses. The decline in Shiba Inu’s value is significant, making investors wary of further losses.

Shiba Inu (SHIB)

Shiba Inu is a cryptocurrency that started as a meme coin to become a popular alternative to Bitcoin in the crypto space. The name Shiba Inu was inspired by a breed of hunting dog that is native to Japan.

Like RenQ Finance, Shiba Inu is a community-driven project where its users have a say in its governance. However, it has experienced a significant drop in value, with the SHIB token losing -87% of its peak value. As a result, SHIB Whales have lost interest and are shifting their attention to the new market leader, RenQ Finance.

Dogecoin (Doge)

In 2013, Dogecoin was created as another meme coin that uses a network of miners to authenticate transactions and maintain a consensus on the blockchain ledger. However, DOGE’s value has plummeted by more than 90% from its peak of $0.738 in 2021 and is currently trading at $0.0738.

The investors are disturbed because of its continuous fall and they’re beginning to seek a better alternative.

Furthermore, DOGE investors are increasingly worried because Elon Musk, who has influenced the growth of the meme coin in the past recently wrote on Twitter that he was abandoning the token to go into AI, Investors fear that DOGE might lose its value totally and they want a worthy crypto investment that will have automated innovations and also bring profit – here’s where RenQ Finance comes in.

>>>>> BUY RENQ TOKENS HERE <<<<<

RenQ Finance (RENQ)

RenQ Finance is an innovative, multi-chain, non-custodial decentralized exchange that elevates decentralized trading by providing users with a direct trading option through their in-wallet app, similar to centralized exchanges like Binance or Coinbase.

RenQ Finance aims to enter the top, best-performing 100 crypto coins in 2023 and it is on course to achieve that since it has received widespread attention from Whales and Investors.

RenQ Finance is a decentralized finance platform that offers users the ability to create new asset classes and financial products derived from blockchain-based assets. RenQ Finance operates using autonomous smart contracts, providing transparency, fairness, and security to its users. It enables individuals to maintain complete control over their assets and avoid liquidity crunches.

RenQ Finance distinguishes itself from other DeFi platforms by its hybrid infrastructure model, a combination of on-chain and off-chain that offers institutional, liquid, and slippage-free trading to the DeFi community. The off-chain order book provides a speed advantage compared to that of conventional centralized perpetual exchanges, and the aggregation protocol utilized by RenQ obtains liquidity from a variety of exchanges and can distribute a single trade transaction across multiple DEXs to obtain the most competitive prices.

Overall, RenQ Finance offers a compelling alternative to traditional finance, providing users with a diverse and inclusive environment in which they retain complete control over their assets. Its hybrid infrastructure model and off-chain order book offer speed and liquidity advantages compared to other DeFi platforms, and its significant position volume with a narrow spread and high leverage makes it attractive to traders. The governance portal and cross-chain compatibility provide users with flexibility and control over the evolution of the platform.

Considering all of the aforementioned benefits, RenQ Finance is set to become one of the top 100 cryptocurrencies, thanks to its state-of-the-art advantages.

Click Here to Buy RenQ Finance (RENQ) Tokens.

Visit the links below for more information about RenQ Finance (RENQ):

Presale: https://renq.io
Whitepaper: https://renq.io/whitepaper.pdf

Readers are Leaders – PHE America

I am not sure where I first heard the phrase “readers are leaders” but it is something that has stuck with me throughout my entire life. I am now in my second year of retirement from teaching and coaching after 37 years of doing both. As I have thought about what to do in my retirement, one thing that keeps coming back into my mind is the need to read some great books. I have always believed that reading can help you become the best version of yourself for others. When you are busy with coaching and teaching, like I was for many years it is very hard to find the time or make the time to read. My goal is to slow down to read books that will allow me to continue to grow and make an impact in another way.

I started my quest for more knowledge by listening to podcasts by Chris Wirth of No Quit Living. His guests were successful people from all walks of life. I loved listening to all the great ideas his guest presented time and again. As I listen to No Quit Living, I notice many guests refer to their reading and how it is a priority in their lives. This inspired me to seek out books that lift me up more and do more with my life. Chris Wirth and a friend of mine Fred Quartlebaum (Assistant Basketball Coach at The University of Kansas), co-wrote a little book called: The Positivity Tribe. In the book they share many great ideas, but one that resonates with me is “We Rise by Lifting Others Up.” I loved the idea; what a great way to live life. I wondered what types of books Wirth and Quartlebum enjoyed reading, and found that Wirth reads books that had an impact on him personally and professionally. I decided to pick one from his list to read.

The book I chose was The Energy Bus by Jon Gordon. Many of my coaching and teaching friends previously told me they enjoyed reading it. The lessons I learned and chose to apply are many. Pearls from the book include the phrases: we are all the drivers of our own bus; we attract what we think about; thoughts are magnetic, we have to fuel our ride in life with positive energy (to attract the same in return), and we get what we give to find what we look for.

Now when I begin to read any book I always take notes and write things down that really strike a chord with me, after I am done reading a book, I type up my notes so I can refer to them more easily. As I am writing this article I am referring to my book’s notes as well as to refresh my memory.

As I continue with my reading journey, I realize what I most enjoy is reading about what others have done that I would like to do. My next read was Chop Wood Carry Water by Josh Medcalf. Josh emphasized throughout his book that every inch matters. Every little thing we do matters. Everything you choose to read, listen to, or look at matters. He suggests it’s not difficult to read 10 pages of a great book each day or to take a twenty-minute walk to stay healthy. Medcalf shares an interesting story about a young person acquiring the necessary skills from a mentor. The mentor always teaches the young person through a series of steps how to acquire mastery of any skill. He makes the reader feel like they are coming along for the ride with him and they can do it themselves as well.

The next book I could not wait to dive into was Pound the Stone also by Josh Medcalf. I have heard over the years many coaches refer to this book as something they use with their teams. After reading it I can understand why. Everyone wants to be great until it’s time to do what greatness requires. I have heard Nick Saban, the Alabama football coach say the following many times: “Commit to the process of what you do rather than the outcome, it always happens 1% at a time, and successful people just keep swinging the hammer one more time -what matters most is that they keep on swinging.”

Lessons I have learned from Pound the Stone can be summed up in phrases like: “Work in the dark so you can shine the light, get comfortable being uncomfortable in order to grow, or most people take shortcuts instead of doing the work.” One of the main things I have taken from this book and used with myself and with others is to work in the dark so that you can shine in the light! You have to get comfortable with being uncomfortable in order to grow. Most people just take shortcuts instead of doing the work. These epitaphs are lessons for people to become better versions of themselves.

The next step in my reading journey was The Fred Factor by Mark Sanborn. This is a story about an ordinary postman who made a difference for everyone with whom he came in contact. Fred did this by doing more than what was necessary and exceeding daily expectations. Some of the lessons learned from the book for me were the following: Do good and you will feel good, the best never rest, treat customers and others as friends, make the most of each day, the impact you have on others is the reward , treat others as you would like to be treated, and fear nothing except to waste the moment. Fred was an ordinary person who treated people with dignity and kindness and that’s what set him apart from others.

Think and Grow Rich by Napolean Hill was my next read. Written in 1937, it is the 6th best selling book of all time and I have never heard of it. After reading it I began to realize why people enjoyed it so much. One of the many lessons that I learned from Napolean Hill was what he would do after he got done reading a book. Consider the source and then do it your way. Be a student and not a follower. Be eager to learn and ready to get more mental food whenever you can. Success always leaves clues!

The last book that I read was Rich Dad, Poor Dad by Robert Kiyosaki. The title doesn’t sound that interesting but the book is very informative. Lessons learned were: Don’t work for money make money work for you, buy assets and not liabilities, assets are things that put money in your pocket, liabilities are something that takes money out of your pocket, and rich people buy assets and not liabilities. The author suggested that people should take more time to learn than to earn. Know a little about a lot and surround yourself with people who know a lot. It was a simple message but it made a lot of sense to me and is something I have tried to apply since reading the book.

Reading has led me to some great information. My only regret is that I did not take the necessary time to read more until I retired. Remember “Leaders are Readers” and hopefully this will give you some new information to start you along your journey.

Bayerische Motoren Werke Aktiengesellschaft (ETR:BMW) Looks Like A Good Stock, And It’s Going Ex-Dividend Soon

Regular readers will know that we love our dividends at Simply Wall St, which is why it’s exciting to see Bayerische Motoren Werke Aktiengesellschaft (ETR:BMW) is about to trade ex-dividend in the next 4 days. The ex-dividend date is usually set to be one business day before the record date which is the cut-off date on which you must be present on the company’s books as a shareholder in order to receive the dividend. It is important to be aware of the ex-dividend date because any trade on the stock needs to have been settled on or before the record date. Accordingly, Bayerische Motoren Werke investors that purchase the stock on or after the 12th of May will not receive the dividend, which will be paid on the 16th of May.

The company’s next dividend payment will be €8.50 per share, on the back of last year when the company paid a total of €8.50 to shareholders. Based on the last year’s worth of payments, Bayerische Motoren Werke stock has a trailing yield of around 7.9% on the current share price of €107.54. We love seeing companies pay a dividend, but it’s also important to be sure that laying the golden eggs isn’t going to kill our golden goose! As a result, readers should always check whether Bayerische Motoren Werke has been able to grow its dividends, or if the dividend might be cut.

Check out our latest analysis for Bayerische Motoren Werke

If a company pays out more in dividends than it earns, then the dividend might become unsustainable – hardly an ideal situation. Bayerische Motoren Werke paid a comfortable 49% of its profit last year. Yet cash flow is typically more important than profit for assessing dividend sustainability, so we should always check if the company generated enough cash to afford its dividend. The good news is that it paid out just 22% of its free cash flow in the last year.

It’s encouraging to see that the dividend is covered by both profit and cash flow. This generally suggests the dividend is sustainable, as long as earnings don’t drop precipitously.

Click here to see the company’s payout ratio, plus analyst estimates of its future dividends.

Have Earnings And Dividends Been Growing?

Businesses with strong growth prospects usually make the best dividend payers, because it’s easier to grow dividends when earnings per share are improving. If a business enters a downturn and the dividend is cut, the company can see its value fall precipitously. With that in mind, we’re encouraged by the steady growth at Bayerische Motoren Werke, with earnings per share up 6.0% on average over the last five years. Management has been reinvested more than half of the company’s earnings within the business, and the company has been able to grow earnings with this retained capital. Organizations that reinvest heavily in themselves typically get stronger over time, which can bring attractive benefits such as stronger earnings and dividends.

Another key way to measure a company’s dividend prospects is by measuring its historical rate of dividend growth. Bayerische Motoren Werke has delivered 14% dividend growth per year on average over the past 10 years. It’s encouraging to see the company lifting dividends while earnings are growing, suggesting at least some corporate interest in rewarding shareholders.

The Bottom Line

Has Bayerische Motoren Werke got what it takes to maintain its dividend payments? Earnings per share have been growing moderately, and Bayerische Motoren Werke is paying out less than half its earnings and cash flow as dividends, which is an attractive combination as it suggests the company is investing in growth. We would prefer to see earnings growing faster, but the best dividend stocks over the long term typically combine significant earnings per share growth with a low payout ratio, and Bayerische Motoren Werke is halfway there. It’s a promising combination that should mark this company worthy of closer attention.

With that in mind, a critical part of thorough stock research is being aware of any risks that stock currently faces. For example, we’ve found 4 warning signs for Bayerische Motoren Werke (1 is a bit unpleasant!) that deserves your attention before investing in the shares.

Generally, we wouldn’t recommend just buying the first dividend stock you see. Here’s a curated list of interesting stocks that are strong dividend payers.

Have feedback on this article? Concerned about the content? get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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Remarriage and Estate Planning – Rickard & Associates

If you are getting remarried, it is essential to understand your spouse’s inheritance rights.

We can help you stay on top of the latest news that affects your everyday life. Subscribe to stay up to date. (To subscribe to our blog click here).

Before you get married for a second or third time, you want to be aware of the rights your spouse will have to your estate and vice versa.

You may want to work with an attorney to draft a prenuptial agreement, prior to exchanging vows.

Then, you want to be familiar with the intestacy laws in your state. If you die without a written estate plan, the intestacy laws will control where your assets go.

We help our clients understand where their money will go, if they don’t have a written plan. We also help them look at various options and understand how their assets will be transferred depending on the option they choose.

In subsequent marriages, we often find that our clients have different concerns than in their first.

Sometimes, they are worried about providing for their children from a previous marriage, should something happen to them. Other times, they want their new spouse to have less rights to their assets.

We also have clients who want to make sure that their new spouse and their ex-spouse do not make financial or medical decisions on their behalf. They may prefer a close friend, sibling, or child who is the agent in their powers of attorney. We draft their medical and their financial powers of attorney to protect their wishes.

Whatever your goal is with estate planning, it is essential that you communicate this to your estate planning attorney.

Estate planning allows you to protect your loved ones and your assets. In second or third marriages, estate planning can protect your children and your wishes in the event of incapacity or death.

If you need help with your prenuptial agreement or estate plan, we can help.

Contact us today to help you get the right documents in place or to update your current estate plan. We will plan so that you don’t have to worry about your future.

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