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nDash Writer Profile for Sarita Harbour

Sarita Harbour


Freelance Personal Finance Writer | Freelance Business Writer

About Me

I'm a freelance personal finance writer, business writer, human resources writer, ghostwriter, and blogger.

My business, technology, and marketing blog content appears on sites such as TIME/Money, CBC Canada's The Dragon's Den, RBC, The Hartford's Small Biz Ahead, ADP THRIVE, Fundera, Fox News Small Business, Capital One Spark, KISSMetrics, Equifax Insights, Business News Daily, and IBM Midsize Insider.

As a former financial advisor with over a decade of experience in banking, my freelance writing topics include mortgages, money management, investments, and retirement planning for Canadian and American audiences. My personal finance and real estate work can be seen at RBC, Meridian Credit Union, Yahoo! Homes, GoBankingRates, AOL, Bob Vila, Investopedia, Money Crashers, Transunion, and Zacks Investment Research.

Industries I Write About


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Financial Services

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Investment Management

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Marketing & Advertising

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Information Technology & Services

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Human Resources

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My Writing Samples

Can Your Business Save Time and Money by Switching to Mobile Payment Processing?

A brief description of options for mobile credit card processing for an American small business audience.


What is My Net Worth?|TIME/Money

A brief description of how to calculate your net worth - for novice investors.


3 Things Entrepreneurs Can Do Today to Prepare for Retirement|FORBES

Entrepreneurs face unique retirement challenges - here's a few ideas on how to start preparing today.


This Guy is the Next Warren Buffett|TIME

Seth Klarman is a 59-year-old hedge funder and he just may be the next Warren Buffett. Here's why.


How to Make a Penalty-Free 401k Withdrawal|GobankingRates

Here's how to make a 401k or IRA withdrawal without incurring a penalty.


Buying Real Estate in Your Kid's College Town|FORBES

Should you buy real estate in your kid's college town as an investment and an alternative to paying dorm fees? Feature article for Forbes Content- Northwestern Mutual site.


6 Ways Banking Technology Saves The Environment

Short blog post for RBC on how the banking industry is using technology to limit the industry's impact on the environment.


10 Effects of Inflation - and How to Protect Your Money Now

Five positive and five negative effects of inflation on the average person - plus a few tips on how to protect your money now.


Top 8 Hidden Costs of Taking Out an Auto Loan

Unless you won the lottery or have been budgeting diligently for years, chances are you’ll need an auto loan before buying a new car. And although you know the new car price, the down payment amount and what your monthly loan payments should be, the less obvious expenses that accompany a car loan might surprise you. Understanding these eight hidden costs will help you identify and avoid them when taking on a car loan.


6 Things To Do After You've Received Your Business Loan

You might think now that your financing’s been secured, you’re all set to go full-steam ahead with your business plans. And although that’s technically true, what you do with your small business loan the minute you receive it can actually affect your future borrowing success. Now is a fantastic opportunity to better position your business for an even more positive financial future—you might even open doors to access to more money and different types of loans at lower rates. Here are six things


Amortization Table vs. Payment Schedule: What's The Difference?

When you begin repaying your business loan, part of your loan payment will be paid to the principal, and part will be paid to interest. As a reminder, the “principal” of the loan is what you borrowed, while the “interest” is, as you probably know, the cost of borrowing that money. If you have an amortizing loan, every payment you make isn’t equally split between principal and interest. In fact, with amortizing loans, borrowers usually pay more of the interest upfront, leaving the principal for


11 Best Online Accounting, Bookkeeping and Invoicing Software

Today’s freelancers, work-at-home moms, and small business owners have more choices than ever when it comes to accounting and bookkeeping services. Gone are the days when you needed to collect your scrap receipts in a shoebox and deliver them to a professional bookkeeper each month. The recent explosion of online cloud-based applications has widened the selection of easy-to-use, inexpensive, and even free online bookkeeping options for businesses of all sizes.


Understanding the Hurricane Insurance Deductible

If you have a home in a region that has a high hurricane risk, you'd better check your homeowner's insurance policy for the details of its deductible for hurricane-related damage. This relatively new addition to insurance policies is not a flat dollar amount but a percentage of your home's value, and it can add significantly to the financial burden you bear if your home is damaged in a hurricane.


Off-Season Buys to Save You Money

You know that saying, “timing is everything?” Well, when it comes to getting a great deal on your next purchase, it’s true. That’s because some goods and services have a definite “best time to buy”. It’s known as the “off-season.” However, that season varies depending on what you’re looking for. Here are seven great ways to enjoy some of the best off-season buys out there.


The Best Subscriptions That Will Help You Save in the Long Run

You’ve seen the ads for those subscription boxes - they’re popping up everywhere! From portioned dinners to razors, monthly subscription boxes have become all the rage. In fact, according to a 2018 McKinsey report, 15 percent of online shoppers have one or more subscription services. Sure, they’re convenient and even fun -- but do they help keep money in your wallet? As it turns out, depending on your lifestyle and spending habits, some subscription boxes might actually provide a financial....


Marrying Into a Mortgage: How to Navigate a Joint Mortgage

Is a joint mortgage part of your newlywed finances if one of you already has a mortgage before you get married? Here's what you need to know.


What is Niche Marketing? And How to Win Your Market

Differentiating your brand from fierce competition is a challenge, but the answer lies with your audience. Adding a niche-marketing approach to your digital strategy is your solution. It means you’ll be meeting consumers on a much more personal level and catering specifically to their needs. The content, for example, that Coca-Cola makes for its general consumers is very different to the content that it makes for restaurant owners, because the needs of each niche are completely different.



Personal Finance Writer|Business Writer

Blogging specialties include social entrepreneurship, women in business, B2B marketing, analytics, cloud technology, big data issues, startups, and personal finance for American and Canadian audiences. As a copywriter I have written for credit bureaus, financial services, SaaS providers, plumbers, dentists, lawyers, and even a crematorium. I create articles and blog posts on personal finance and SMB topics for Canadian and American audiences.

Company: Harbour Content Development

I worked there from 11/2010 until now

Freelance Writer

Creating highly sharable blog posts and feature articles on personal finance and small business topics for American and Canadian audiences. Please visit www.harbouronlinewritingservices.com for my up-to-date portfolio.

Company: Harbour Content Development

I worked there from 11/2010 until now

Content I Write

Ideas and Pitches I Wrote

More parents than ever saving for kids college - but guess what they wish they'd done?

A new study from Fidelity Investments (embargoed until August 25, 2016) found that while more parents than every before (about 75 percent) parents say they're saving for their children's education, more than half of parents surveyed said they wish they'd saved more. This short article will discuss the main findings of this study, and will include an interview and quotes from Keith Bernhardt, vice president of College Planning at Fidelity.

Content type: Article

Keywords: personal finance, college savings,


7 Ways to Reduce Mobile Payment Fraud for Your Business

While online and mobile purchases grew in a big way throughout 2016, so did mobile payment fraud. A whopping 70 percent of mobile merchants increased mobile sales year-over-year, yet 60 percent reported experiencing mobile fraud. However as several recent surveys found, buyers so love the convenience of mobile shopping that they're ready to take additional steps to prevent fraud as part of their transaction. Reduce the chances of mobile payment fraud with these seven tips.

Content type: Article

Keywords: mobile payments


Biometrics: How Body Recognition Software Will Disrupt Your Life...In a Good Way!

No, it isn't part of a sci-fi movie. Biometrics is very much part of the real world, and if it isn't already, it will soon be part of your life, impacting everything from how you bank to who sees your medical records. From facial recognition to thumb printing on smartphones, biometrics is here to stay, yet not much has been written about it in the American mainstream media. This article will cover biometric basics, latest developments, how it will change your life, more security, less hassle

Content type: Article

Keywords: biometrics,security,banking,AI


5 Ways a Flexible Work Schedule Benefits Bosses and Staff

Have you thought of offering a flexible work schedule for your staff? It could be as simple as floating start times, or a more complex schedule of rotating part-time staff. Advantages to flexible work schedules that benefit small business owners and their staff include: opportunity for better childcare options,boost productivity, cost effective staffing, strengthen loyalty, and positive publicity. I'll also briefly discuss potential legal issues.

Content type: Article

Keywords: flexible work schedule