If you’ve ever wondered why they don’t teach teens about money in school, you’re not alone. Chances are, either you or your friends have asked this same question. Until the school curriculum changes, teaching teens about money in the real world remains in the domain of parenting.

How many times in the past have you been strapped for cash during the holidays? Do holidays always seem to come at the worst times, when you have a month of unexpected expenses or cash emergencies? Have you repeatedly wished that you could turn back the clock and plan ahead for the extra costs related to gifts and holidays?

As a small business owner, you realize just how important your employees have been to your company's success. Since the holiday season is fast approaching, this is a perfect time to show your appreciation for their hard work. But like many business owners, you may be unsure as to the best ways to express your appreciation.

As an employee who has been loyal to your company, shows up on time day after day, and puts your heart and soul into your job, you know when the time has come to ask for a much-deserved raise in pay.