Denise Norberg-Johnson

Financial Columnist

Denise Norberg-Johnson is a former subcontractor and past president of two national construction associations. She may be reached at

Articles by Denise Norberg-Johnson

September 2016
Most taxpayers know the Federal Reserve Board of Governors meets periodically to set interest rates, but too often, they leave the deeper analysis to economists. Since monetary policy affects the economy’s health and stability, everybody—including electrical contractors—should be familiar with how these decisions are made.
July 2016
For the last two months, I have offered information on choosing an honest, responsible financial adviser. But all investments involve some element of risk, and scam artists can victimize even the most sophisticated clients. This column offers methods for identifying and protecting yourself from investment scammers who want to separate you or your company from your money.
June 2016
Choosing a trustworthy financial adviser can be confusing and stressful. In last month’s column, we learned that researchers have not been able to find a link between financial literacy education and improved consumer decision-making. However, even alleged experts don’t necessarily produce better returns on client investments. READ MORE
May 2016
Do you believe that your financial adviser knows more than you do about how to make your money work for you? Do you trust that adviser to be ethical? These are questions investors are asking more than ever, since the losses of the past few years have depleted retirement accounts, and scandals have rocked Wall Street.
April 2016
Electrical contractors make rational financial decisions every day. They use historical data to develop the next budget and cost accounting to measure whether projects are hitting desired profit goals. Managers use so-called “left-brain” thinking to make rational decisions about money, and emotions have no place in bidding, purchasing or billing.
March 2016
Electrical contractors know productivity affects profitability but may overlook personal factors that affect employee attitudes toward work and that reduce the motivation to improve efficiency. Last month, I provided some statistics on the extent to which financial stress burdens employees, and I urged you to consider providing your workforce with financial-literacy resources. READ MORE
February 2016
This is the Chinese Year of the Monkey, which represents playfulness, creativity, honor, luck, God and riches. Since attitudes and beliefs affect wealth building, my 2016 columns will include topics such as behavioral finance, spiritual finance and other areas of study that reveal how deeply our financial status is connected to factors other than spreadsheets and statements.
January 2016
Do you ever wonder if your attitudes about money are normal? Your family, culture and level of financial literacy influence your relationship with money and attitudes about accumulating, using and managing your finances. Your beliefs and emotions affect financial decisions that seem logical and rational.
November 2015
Do your employees affect customer loyalty? According to a recent Gallup poll, 20 percent of your employees who have contact with your customers are doing more harm than good, and only one-tenth are working to improve customer service and company performance. We learned in last month’s column that customer loyalty affects company profitability. READ MORE