Fall Back!

5 DOs and 5 DON’Ts of the New Fall Season Fall officially begins this week and there are some key housekeeping things, fall cleanup if you will.   DO keep an eye on your balances. DON’T assume that all your bills are on your budget. DO review your savings. DON’T give in to panic and spend …

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Responsible Velociraptor Self-Improvement and Disaster Prep

…no, that’s not a typo.  September (unbeknownst to me at least) is Self-Improvement Month, Disaster Prep Month, Responsible Dog Owner Month, AND National Velociraptor Awareness Month… among other things.  So, let’s break this down.   In honor of Labor Day (yeah, that’s on the calendar too!) and kids going back to school (disaster!), we are focused …

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Why reconcile?

Reconciliation is one of those painful “best practices” that many business owners avoid, ignore, forget about or put off.  In the daily grind, this hardly seems critical.  And without bookkeeping software to streamline the process, reconciling your Balance Statement is downright tedious and feels like a waste of time. Reconciliation is like insurance: until there’s …

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Commingling

What is co-mingling anyway, and what’s wrong with co-mingling my funds? Well, would you throw away a $500 watch, or ring?  How about five $100 bills?   In Massachusetts, that’s what you pay yearly to maintain your limited liability.  And this is protection from another legal entity being able to acquire all your personal assets should …

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Independence Day

What does independence mean to you?   For our founding fathers, it was the need for political independence that drove them across an ocean to build their vision.  For most kids around sixteen years old, that license is the ultimate in independence.  Finance independence that comes from getting a job is a signifier of adulthood.  And …

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