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

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
September 2015
The first two columns in this series provided an overview of occupational fraud and suggestions for tightening internal controls to protect your electrical contracting business. This final column examines factors that may cause an employee to commit fraud and some methods experts use to detect deception. 
 The fraud triangle
August 2015
“Coming together is a beginning. Keeping together is progress. Working together is success.” When automaker Henry Ford said these words, he could have been describing the intended outcome of collaborating on construction projects. Electrical contractors know that each project has its own set of challenges because each project team is unique. READ MORE
August 2015
Last month, the first column in this series introduced the topic of occupational fraud and its potential costs to electrical contractors. This month, you’ll find specific suggestions to help you minimize the risk of being victimized. READ MORE