John J. Bowman Jr. Accountant, personal finance

How to Approach Selling to an Audience in Today’s Age

Selling to an audience in today’s age requires a different approach than what worked in the past. With the rise of social media within digital marketing, new channels, and tactics exist to consider.  

Firstly, it’s essential to understand your audience. You need to know who they are, what they like, and what they need. This will help tailor your message and approach to their specific needs. Many tools are available to help you gather this information, such as social media analytics, surveys, and focus groups.

Once you understand your audience, you can start to craft your message. Your message should focus on the benefits of your product or service and solving your audience’s problems. It’s important to refrain from using jargon that your audience may need help understanding. Instead, use clear and concise language that anyone can understand.

Next, you need to determine the best channels to reach your audience. Social media is a great place to start, but you should consider email marketing, search engine optimization, and targeted advertising. Choose the ones that will be most effective for your audience.

Regarding social media, being authentic and engaging with your audience is essential. Don’t just post promotional messages – share exciting content, answer questions, and respond to comments. Social media is a two-way conversation, so listening to your audience and adapting your approach is essential.

Email marketing can effectively reach your audience, but knowing spam laws and best practices is essential. Ensure you have permission to email your audience and that your messages are relevant and personalized. A generic email blast is unlikely to be effective in today’s age.

Search engine optimization (SEO) is another critical consideration for selling to an audience in today’s age. Your website must be regularly optimized for search engines to ensure your audience can find you when searching for relevant information. This means using relevant keywords, creating high-quality content, and providing your website is mobile-friendly.

Finally, targeted advertising can be a highly effective way to reach your audience. Platforms like Facebook and Google allow you to target your ads based on various demographics and interests. This means you can ensure your message reaches the right people at the right time.

In addition to these tactics, it’s essential to be transparent and authentic in your approach to selling. Today’s consumers are savvy and can quickly spot insincere or manipulative messages. Instead, focus on building trust and relationships with your audience. This can be achieved by providing valuable content, addressing their concerns and needs, and being honest and transparent about your products or services.

Selling to an audience today requires a strategic approach considering the many channels and tactics available. Understanding your audience, crafting a clear message, choosing the proper channels, and being authentic and transparent in your approach are essential. By following these guidelines, you can effectively reach your audience and build strong relationships that will lead to long-term success. Remember, the key is to focus on providing value and solving your audience’s problems rather than just promoting your products or services. With these principles in mind, you can approach selling to an audience in today’s age with confidence and success.

John J. Bowman Jr. Accountant, personal finance

How to Stop Lacking Confidence in Your Job

Lacking confidence in your job can be a challenging and stressful experience. It can lead to self-doubt and anxiety and even affect your career growth. You can overcome a lack of confidence with the right mindset and tools.  

Identify your strengths and weaknesses

First, it’s essential to identify your strengths and weaknesses to understand better where your talents lie and where improvements are needed. You can do this by reflecting on your past successes and challenges, asking for feedback from colleagues or supervisors, or taking a personality or skills assessment.

Once you have identified your strengths, focus on building on them and using them to your advantage. For your weaknesses, consider ways to improve them through training, mentoring, or seeking out new experiences.

Set achievable goals

Setting achievable goals is another crucial step in building confidence in your job. Start by identifying what you want to achieve and the steps you must take. Break down goals into smaller, more manageable tasks, and track progress.

Celebrating achievements, no matter how small, can also help build confidence. You will feel a sense of accomplishment and progress, boosting your confidence and motivation.

Practice self-care

Taking care of yourself is essential for building confidence in your job. This means getting enough sleep, eating a healthy diet, and exercising regularly. Taking breaks throughout the day and practicing stress-reducing activities such as meditation or yoga is also essential.

Taking care of yourself will make you feel more energized, focused, and confident. You will also be better equipped to handle challenges and stressful situations that may arise in your job.

Practice positive self-talk

The way you talk to yourself can impact on your confidence level. If you think negative thoughts or engage in self-criticism, try reframing your thinking. Practice positive self-talk by focusing on strengths, accomplishments, and potential. Remind yourself of your past successes and how you overcame challenges. You can build a more optimistic and confident mindset by focusing on the positive.

Seek support

Feel free to seek support from colleagues, mentors, or friends. Talking to someone about your concerns or challenges can help you gain perspective and advice. It can also help to feel more connected and supported in your job.

If you are struggling with a particular task or project, consider asking for help or guidance from someone with more experience or knowledge. This can help you learn and grow in your job and build confidence in your abilities.

Learn from mistakes

Mistakes are a natural part of growth. Instead of dwelling on mistakes, learn from them. Reflect on what went wrong and use your mistakes to improve your skills and knowledge.

It’s important to remember that making mistakes doesn’t make you a failure. It’s often through mistakes that we learn the most and grow the most.

Take risks

Taking risks can be scary, but it can also be an opportunity to build confidence in your abilities. Start by taking small risks, such as speaking up in a meeting or taking on a new project. As you build trust, you can take on more significant risks, such as pitching a new idea or taking on a leadership role. When you take risks, you show yourself and others that you have the confidence and ability to step outside your comfort zone.

Lacking confidence in your job can be challenging but manageable. By identifying your strengths and weaknesses, setting achievable goals, practicing self-care, engaging in positive self-talk, seeking support, learning from mistakes, and taking risks, you can overcome your lack of confidence and thrive in your job. Remember, building trust is a process that takes time and effort. With these tools and strategies, you can stop lacking confidence in your career and become the confident, successful professional you want.

John J. Bowman Jr. Accountant, media, personal finance

Finding a Professional Network After Moving

Moving to a new region can be daunting when building a professional network. Whether starting a new job or business, attending networking events, or simply looking to meet like-minded professionals, building a network in a new place takes time and effort.  

Join Professional Organizations

One of the easiest ways to meet professionals in your industry is by joining professional organizations. These groups offer a variety of benefits, including access to industry events, educational resources, and networking opportunities. Whether you’re a lawyer, engineer, marketer, or entrepreneur, a professional organization likely caters to your needs.

To find professional organizations in your area, research online or ask colleagues in your field for recommendations. Once you’ve identified a few organizations, attend and participate in their events.  

Attend Networking Events

Networking events are another great way to meet professionals in your industry. These events can take many forms, from happy hours and meetups to conferences and workshops. Attending these events can help you expand your network and learn about new opportunities in your field.

To find networking events in your area, check online event calendars, join local business groups on social media, and ask colleagues for recommendations. When attending events, be prepared with business cards and an elevator pitch communicating who you are and what you do.


Volunteering is a great way to meet like-minded professionals while giving back to your community. Whether volunteering at a local charity or serving on a board, you’ll have the opportunity to connect with others who share your interests.

To find volunteer opportunities in your area, check with local non-profit organizations or visit websites like When volunteering, let others know about your professional background and interests. You never know what opportunities will arise.

Connect with Alumni

If you attended college or graduate school, contact alumni in your area. University networks often host events and social gatherings, and they can be a valuable resource for job leads and career advice.

To connect with alumni in your area, check with your alma mater’s alum association or search for alum groups on social media. When reaching out to alumni, mention your shared background and interests.  

Utilize Social Media

Social media platforms are powerful tools for building your professional network. These platforms allow you to connect with others in your industry, share your expertise and opinions, and learn about new opportunities.

To maximize the benefits of social media, be sure to create a professional profile highlighting your skills and experience. Connect with others in your industry and participate in online conversations and groups. You can establish yourself as a thought leader by engaging with others online.

Building a professional network after moving takes time and effort, but it’s essential to advancing your career and achieving your goals. By joining professional organizations, attending networking events, volunteering, connecting with alums, and utilizing social media, you can meet new people, learn about new opportunities, and establish yourself as a valuable professional community member. So get out there and start building your network today!

John J. Bowman Jr. Accountant, media

Tips for Finding Your Personal Brand

A solid personal brand is essential in today’s competitive job market. A personal brand is the unique combination of skills, experiences, and personality traits that sets you apart. It makes you recognizable and memorable and helps you stand out in a crowded field. But how do you go about finding your brand?  

Identify your strengths and weaknesses

The first step in finding your brand is identifying your strengths and weaknesses. Consider what you’re good at and what you enjoy doing. Think about your past experiences and the skills you’ve developed over time. On the other hand, it’s also essential to recognize your weaknesses. Knowing where to improve can help you focus your efforts and develop a plan to overcome these challenges.

Define your values

Your brand is also a reflection of your values. What do you stand for? What principles guide your actions and decisions? By defining your values, you can create a clear vision of who you are and what you believe in.  

Develop a clear message

Once you’ve identified your strengths, weaknesses, and values, it’s time to develop a clear message. Your message should be concise, memorable, and relevant to your target audience. It should convey what makes you unique and why you’re the right person for the job.

Conduct research

Research to learn more about your industry, the companies you’re interested in, and the people you want to connect with. This will help you tailor your message.

Be authentic

Authenticity is critical to building a solid personal brand. Don’t try to be someone you’re not. Focus on being yourself and letting your unique qualities shine through. People can sense when someone is being genuine, and they’re more likely to connect with you if they feel that you’re being authentic.

Build your online presence

Your online persona is just as significant as your offline presence. Create a website, blog, or social media accounts that showcase your skills, experience, and personality. Ensure that your online presence is consistent with your brand and reinforces your message.


Networking is a great way to build your brand and connect with others in your industry. Attend events, join professional organizations, and reach out to people you admire. Building relationships with others allows you to learn from their experiences, gain new insights, and expand your network.

Be patient

Building a solid personal brand takes time and patience. It’s not something that happens overnight. Be prepared to put in the effort and stay committed to your goals. Keep refining your message and approach, and feel free to make adjustments.

Finding your brand is an essential part of building a successful career. By identifying your strengths and weaknesses, defining your values, developing a clear message, conducting research, being authentic, building your online presence, networking, and being patient, you can create a personal brand that makes you stand out.

John J. Bowman Jr. Accountant, personal finance, tax

Tips for Maximizing Returns With a Roth IRA

Many people saving for retirement make the error of putting money into an IRA each year during tax season and then paying little attention to it afterward. You might lose much money due to such negligence, both now and after you retire. 

Choose The Right IRA

You may be aware of the differences between regular and Roth IRAs – standard IRAs exempt you from paying taxes now but require you to do so in the future. In contrast, Roth IRAs need you to pay taxes now to benefit from tax-free withdrawals in the future. If you anticipate a higher tax rate down the road, go for a Roth; alternatively, take advantage of the tax cut now. The required minimum distributions (RMDs), which are obligatory withdrawals, for traditional IRA owners must begin at age 72. This is crucial when comparing Roth versus conventional IRAs. Leaves are considered income, which can affect you during tax season. RMDs are not required of Roth account holders, making them a popular option for families trying to protect generational wealth. Not only do they escape required withdrawals, but they may also be endowed tax-free. On the other hand, traditional accounts that are passed down via inheritance are taxed.

Invest Wisely

A familiar error retirement investors make is depositing money into an IRA or other tax-advantaged account—often motivated by a deadline in mid-April—but failing to invest the money strategically. In the worst-case scenario, investments generate cents a year for every $100 invested while sitting idle in a money market account. According to Vanguard research, two-thirds of IRA donations made at the last minute are invested in money market funds, which are essentially repurposed checking accounts. IRA contributions should be invested actively in a suitable vehicle, such as a target-date mutual fund, bond funds, or a selection of adequately picked individual equities. You may earn more returns from any of them than from a straightforward money market fund. Also, avoid investing in your IRA with the default selection. Most IRAs include a market’s worth of financing possibilities, unlike 401(k)s. This makes it even easier to avoid investing in expensive funds that reduce your long-term gains. Remember that professionals advise investing in low-cost index funds for retirement, positioning you for the best returns and lowest expenses.

Stocks vs. Bonds

Bond payouts are subject to ordinary income tax, but equities and mutual funds that invest in stocks often experience capital gains. These aren’t the expected dividends you get from your stocks. Instead, they’re the yearly rise in price. It’s crucial to make this point. Capital gains can only happen when you sell a stock or fund and are taxed at a lower rate. Holding them in a taxable investment account is advantageous since it allows you to reserve your tax-advantaged accounts for assets or funds that may have sizable taxable yearly income payments. 

According to statistics examined by MyPlanIQ for Seeking Alpha, it is hard to discover a 20-year period in which the S&P 500 didn’t provide positive returns. And throughout those 15 years, there was only one situation where investors may have marginally lost money—by a mere 0.3%. Additionally, the S&P 500 has grown by almost 9% yearly since 1871. Even very depressing times like the Great Depression and the Recession are considered this.

blog, John J. Bowman Jr. Accountant

Earning Respect as a Leader in Any Industry

The respect of your team members does not follow naturally from being a boss. Although it might be challenging, earning respect is necessary for being a great leader. You must be more conscious of your behaviors and how they affect your team members if you want to become someone to look up to. Here are helpful suggestions for becoming a leader that your team members will respect, whether you are a new or seasoned leader.

Communicate With Your Team

You must master effective communication techniques if you want your team to appreciate you. Open lines of communication and being accessible to your staff can help you win their respect. Leaders often avoid face-to-face interaction with their teams and mostly communicate through email. Because you can’t even find the time to have a face-to-face conversation with them, your staff will eventually believe that you don’t value their job or them as people—schedule time throughout the day to stroll about and interact with your team. Ask them questions about their job, and then give them a chance to respond. In the end, employees want to feel appreciated and heard, so learning to interact with them in ways other than email is a fantastic approach to gaining their respect.

Set a Good Precedent

Actions carry more weight than words. Establish a high standard for your team by consistently demonstrating that you are trustworthy and dependable via your work ethic. It would help if you were accessible and pleasant to your staff members, even making small talk. This serves as a helpful reminder to staff members that you are a natural person, not simply their boss. If people can connect to you as a person rather than merely someone who controls their employment, they will be more inclined to appreciate you. Try your best to get to know your workers and show a genuine interest in the people you are in charge of.

Trust and Reward Your Team

If you give your staff things to accomplish, let them know how to do it independently and try not to micromanage. Employees are always trying to grow and improve their abilities. Employees may feel you don’t trust their work if you constantly instruct them on accomplishing something, making them believe they lack the skills necessary for the job. Give your staff the freedom to do a job on their own once you have assigned it since they will find it difficult to trust a leader who doesn’t trust them. Whatever role they are performing, everyone wants to be noticed. It is simple for you as a leader to be acknowledged for the contributions made by your team, which makes them feel unappreciated and resentful. Make sure you take the time to praise and recognize your staff instead of taking all the credit and don’t remember them know how their particular work contributed to the success of a project or assignment. Let them know how much you value their unique skills and how the team benefits from having them on board.

Not only will this benefit your team in the long term since your staff will be happier at work, but it is also a guaranteed method to build mutual respect and acknowledge each person and their efforts.

John J. Bowman Jr Accountant, John J. Bowman Jr. Accountant, personal finance, tax

The Most Popular Investing Apps In 2022

Technology has made our lives easier than ever, and that’s especially true when it comes to investing. Today you can find countless investing apps on your phone’s app store, meaning you have practically unlimited investing power all within your pocket. There are a lot of investing apps though, with each one having its own features and often trying to target a specific audience. Here are a few of the most popular investing apps you can try in 2022.


One of the best investing apps for people who want a simplified process and guidance is Betterment. This service offers a robo-advice program that will help you manage your assets. When you open an account, you’ll be able to tell Betterment about your goals and risk tolerance. The program will then build a portfolio for you based on this information. Unlike other investing apps, Betterment doesn’t require you to open an account to build a portfolio. Instead, it will let you select one of its prebuilt funds that are focused on different types of investments. There are also plans to launch crypto investments in the near future.


If you’re a hands-on investor, then the TD Ameritrade app can help you manage your assets. It has an easy-to-use design that makes it easy to find and analyze stocks, options, and exchange-traded funds. It also allows you to keep track of your investments through its integration with smartwatches. The app features price alerts that will notify you whenever the market changes. It also has 24/7 analysis and research, which will allow you to adjust your strategies. With no commissions on trades in stocks and exchange-traded funds, active traders can enjoy a great choice when it comes to managing their investments.


When Robinhood was first released, it was one of the first apps to provide stock trading without commissions or fees. It made it easier for first-time investors to start a stock portfolio. Although other apps have similar features, Robinhood still stands out due to its ability to trade cryptocurrency. Unlike other web-based platforms, Robinhood does not have a minimum account balance and doesn’t charge inactivity fees. Its user-friendly interface is also a major advantage, but it has a few drawbacks. For instance, it doesn’t sync with retirement accounts, and it has limited support.


One of the main advantages of Wealthfront is that it doesn’t charge a fee to make trades. It also has a $500 minimum deposit, which is great for first-time investors. However, it does charge a fee of 0.25% each year, which is definitely worth it. Another great feature of this app is that it allows people to manage their assets through an automated platform. When you first open your account, Wealthfront will ask you about your goals and then create a diversified portfolio for you. It can also manage your investments for you on your behalf. One of the main advantages of this app is that it can save more than it charges. This is because it uses automated tax-loss harvesting. With Wealthfront, people who want to be more involved in their investing can take advantage of its various features. It’s a great app for anyone who’s looking to simplify their investing process.

blog, John J. Bowman Jr Accountant, John J. Bowman Jr. Accountant, personal finance, tax

Great Books On Investing To Read In 2022

Whether you’re a beginner or someone with years of experience, investing can be difficult. Things are always changing, and it can be easy to make a mistake and watch your valuable money disappear in an instant. If you want to learn more about investing, reading a good book on the subject is one of the tried and true ways of doing so. Some of the world’s most prominent investing experts have written these books as a means of helping people get to their level of investing expertise. Here are a few of the best investing books worth your time in 2022.

A Beginner’s Guide To The Stock Market – Matthew R. Kratter

In his book, Matthew Kratter, a former hedge fund manager and now bestselling author, provides a comprehensive guide to the stock market. He breaks down the various aspects of investing and explains how to make money from it. He also provides step-by-step instructions on how to avoid common mistakes, how to go about purchasing your first stock, and what to do if you want to make passive income using the stock market.

The Money Manual – Tonya Rapley

The Money Manual by Tonya Rapley is an ideal starting point for anyone who’s interested in investing, but not sure where to start. It covers a variety of topics such as budgeting and credit building. Rapley, who is the founder of My Fab Finance, has appeared on various television shows and publications such as Forbes, New York Daily News, and Vogue. In her book you’ll learn all about improving and building credit, handling student loan debt, managing your finances, and so much more.

Think and Grow Rich – Napolean Hill

The bestselling “Think and Grow Rich” by Napolean Hill is a combination of both a financial guide and a motivational one. It features stories from some of the most prominent business figures such as Thomas Edison, Henry Ford, and Andrew Carnegie. The original version of this book was first published in 1937 and has since sold over 15 million copies. In this updated version, Hill has also included commentary from Arthur R. Pell, a consultant, lecturer, and author.

One Up On Wall Street – Peter Lynch

In his book, Peter Lynch, a renowned investor, provides a comprehensive guide to the stock market. He breaks down the various aspects of investing and explains how to beat the pros. He also provides a step-by-step strategy that’s designed to help investors find the best opportunities in the market. Lynch, who is the vice chairman of the research and management division of Fidelity Investments, is also the co-author of two of the most popular books about investing, “Learn to Earn” and “Beating The Street”.

blog, John J. Bowman Jr Accountant, John J. Bowman Jr. Accountant, personal finance

Common Mistakes Leaders Make

When reading about how to be a great leader, you’ll typically find articles that discuss the things you should do in order to become a high-performing one. What many of these resources tend to forget are the things that leaders should try and avoid doing in their positions. The mistakes you make as a leader are just as important if not more important than the things you do properly. You’d be surprised to see the list of mistakes that are commonly made by leaders every day. Let’s take a look.

Being Unavailable

Leaders need to delegate tasks, yet delegation should not be defined as emotional detachment. Instead, it should involve maintaining a sense of connection and accessibility. This can be done by ensuring that your team understands that you are available and that you want to do what you can to be available. Of course, you can’t expect to respond to every request immediately, and they should understand that as well. Just be sure that you’ve created a means for your team to reach out to you when they truly need you.

Not Developing Talent

Leaders often focus on achieving company goals instead of developing the skills and competencies of their employees. This is not the ideal way to approach the development of talent. Learning is an integral part of any organization’s success, and it’s very important that leaders prioritize it. You become a great leader when you’re able to identify and develop talent in people who do not even realize they have talent. If you want to truly build the business, focus on your team’s growth so they can carry it even further.

Poor Conflict Management

Unresolved conflicts can block the alignment of goals and lead to negative emotions and tensions within the organization. The last thing you want is for your team to push conflicts under the rug and act as if they’re nonexistent. As a leader, it’s your responsibility to address these conflicts. Bring them into the light, help resolve them, and then feast on the product that is a happy and well-motivated team that can bring your business to new heights.

Not Providing Feedback

In order to help employees succeed, leaders need to share feedback with them, even if it’s not always something they want to share with a team member. Many leaders fail to discuss weak points with their team members, which then causes them to never grow and ultimately not build the business. A great leader understands how to give negative feedback and give it in a way that lights a fire underneath the employee. Truly talented people have a craving for learning and would much rather be told how they can become better than be told they’re doing fine when they’re really not.

blog, John J. Bowman Jr Accountant, personal finance

Great Apps To Help Entrepreneurs

Being an entrepreneur and managing a business is not an easy career. There’s a lot to juggle and keep track of, and it’s important that you’re able to stay on top of it all. One of the benefits of being an entrepreneur in today’s world is how technological advancements have made entrepreneurship much simpler. Applications, in particular, have been extremely useful. They take seconds to download, we can carry loads of them on our mobile phones, and they can do a large variety of things. Here are a few of the best apps that entrepreneurs can utilize today.


One of the most effective tools that you can use to keep track of all of your projects is Trello, a project management app that’s designed to help you organize and assign tasks and deadlines. It’s based on the Japanese Kanban method, which is a method that involves organizing and managing projects at various stages. Trello is a great app that allows you to organize your tasks and projects using cards and project boards. It’s ideal for small teams and simple tasks, but as your projects get more complex, it might start to feel a bit inadequate.


Being an entrepreneur is about more than just managing money and people, and it’s also important that you’re able to maintain healthy mental health. One of the most effective ways to do this is through a meditation app like Headspace. This app is designed to be as flexible as you are. Headspace is a great app that can help you get better sleep and track your workouts. It also allows you to keep track of your meditation sessions. However, if you want to get more sessions, you need to upgrade to the Pro version.


One of the most popular apps for note-taking is the app known as Evernote, which allows users to save various types of documents and audio in one place. Evernote can be used to organize these items in their respective categories. One of the most unique features of this app is its library of over 50 templates, which are designed to help you get more work done. It also allows users to add their team members as collaborators, which is very useful if you have a lot of ideas. Unfortunately, its free version only allows you to sync your data across devices.


One of the most popular tools for social media marketing that’s used by small business owners and entrepreneurs is the app known as Buffer. This tool is designed to help them schedule and publish content on their various platforms at the right time. Buffer also allows you to see the performance analytics of your posts, as well as craft detailed reports, and even create teams that allow you to manage who has access to what within your account.