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FOCUS CPA, Inc.
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Planning for When You are No Longer Here - As we zoom through life we live for today, without much thought for tomorrow. We take care of what is in front of us. Yes, we know there is no guarantee that you will be alive tomorrow. Yes, accidents, cancer and heart attacks happen, but to others not us. In reality, we do not know when our time is up. Therefore, instead of ignoring the possibility that your number will be called, consider taking a few steps to protect your loved ones. Who will ta...
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Are You a Hunter or a Farmer? - Some business owners hunt for their next sale while others grow from within. Deep down I am a farmer. I love to nurture relationships, to grow the business organically. Just look at my garden. I love perennials, plants that come back year after year. I love color; my garden is full of deep reds, purples and yellow. Once the snow melts and the weather starts to warm my backyard comes to life. My backyard has a rhythm that synchronizes with nature. To compare m...
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Get Your Business Off to a Great Start with a Great Accounting System! - Are you starting a new business? Or struggling financially with an existing one? Small business owners wear many hats. One hat they wear is the Accounting green shade. Here are 10 best accounting practices that will remove the clutter, save time and get financial results. Keep business transactions separate from your personal – set up a separate checking account and credit card Select an Accounting software – make it e...
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Tax Reform: How it Impacts Small Business Owners - Late last year President Trump signed a new tax law. This law creates the biggest overhaul of U.S. tax code since the 1980s. Here are the changes that will have the greatest impact for business owners with less than $10 million in sales. C Corporations – The tax rates changed from four brackets ranging 15% to 35% to a flat rate of 21%. For corporations with less than $50,000 of income – they will experience a tax increase of 6%. For other t...
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Losing my Virginity! - No this isn’t about sex. It’s about facing the unknown and doing something new. I just read Richard Branson’s book “Losing my virginity, how I survived, had fun and made a fortune doing business my way“. For those who don’t know of Sir Richard Branson, he is a flamboyant philanthropic British businessman that has created and promoted the virgin brand for more than 50 years. His philosophy is to fill a need, keep it small so the business can respond and do things toget...
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Improving the Bottom Line, by Focusing on the Top Line - When it comes to sales “the top line is vanity, the bottom line is sanity”.  Sales do not always lead to profit. In some cases, not making the sale is the best choice.  For a business to stay afloat, each sale needs to cost less than the amount charged. Not all sales are created equal. By tweaking your top line, a business can flip the bottom line from a loss to a profit. It is difficult to be all things to all people! By focusing you...
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Expiration Dates - My husband, Steve, made Mac n Cheese recently. Not an everyday meal in our house. When he checked the expiration date, he was shocked.  The date was 2015! It had been in our pantry for 3 years. That discovery sent me to the medicine cabinet to check the over the counter medicines. Another shock – I threw out all but one bottle of cough syrup. I found one bottle dated 2005. It got me thinking, how many other things or habits I have that have expired. One habit that has exp...
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Toss Out Your SMART Goals - Do you find it hard to set goals? Are your goals bringing the joy and happiness you are searching for? I learned to set SMART goals – goals that are specific, measurable, attainable, relevant and timely. Goals designed for efficiency and action that will create the results wanted. Personally, I find them lacking the emotional motivation. I see myself “keeping my nose to the grindstone”. You just want to get it done. It is work! What if there is another way? A way...
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Being Lucky - Are you lucky? Maybe luck in just being prepared and watching for opportunities. During a very challenging time of my life, I depended on a 50/50 chance – a 50% chance of good luck. It provided hope. As my life settled down, I realized that good luck or bad luck was completely a matter of perspective. If you wait long enough something good will be derived from something bad. For example, twelve years ago I had a car accident. It was my husband’s brand new car. He had less than...
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