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I Wanted a Simple Way to Help Customers and Protect Myself, Too

I decided to become a veterinarian at a pretty young age because I wanted to help. There are a lot of doctors in the world who help humans. But I have always been a bit more connected to animals., plus, there are a lot of people that don’t want to be a vet because it doesn’t come with as much money as being a doctor for humans provides. Along the way, I have needed to find a debt collection process that works well because some of my clients take advantage of me when I offer payment plans for my services. The only other option was to not offer payment plans at all, and I don’t want that because it means I would be helping fewer pets.

A lot of different Veterinary businesses do not offer installment payment options to their customers. [Read more →]

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July 25, 2017   Comments Off

Insurance to Cover the Damage

One of my neighbors had a leaky roof that turned into something far worse. The water cause mold to grow and the wood began to rod. It was a good thing that he caught it in time, because the roof could have caved in at any time, and it could have possibly crushed anyone on the upper level at the time. Unfortunately, his home insurance didn’t cover roof damage, so he had to pay for it out of his pocket. Fearing a similar situation, I looked for Palatka home insurance that would cover any damage done to my roof.

Looking at the quotes from the insurance company, they were much better than what I was paying for insurance. [Read more →]

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July 21, 2017   Comments Off

My Son Committed Tax Fraud

When my son called me not long ago, I had no idea that he was going to break my heart with that conversation. He told me that he had found an easy way to make money at his job, and he continued on with doing it because easy money was just too hard to resist. However, the easy money came at a cost, which was ethics and morals. He was in trouble, and he asked me if I could find him the best tax lawyer in NYC. Even though I was disappointed that he had tried to make a better living by being dishonest, I will always love him.

I already knew that the best attorney could be found at Selig and Associates. I had seen advertisements, plus I had read about them in the news now and again. I wasted no time in getting my son an appointment with them, and I even offered to go with him. He refused though, and I think that was mostly because of shame. He thought that by claiming a few jobs on his company taxes, no one would find out. [Read more →]

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June 26, 2017   Comments Off

This is the Perfect Insurance Agency

I moved to Florida a few months ago, and I had to take care of a lot of things since I lived in a different state prior to the move. One thing that I put off until last was looking for new auto insurance in Niceville because this was a task that I was just not looking forward to doing. I have never had good luck in the past, and I knew that I was not going to have good luck this time around either. Well, this is one time that I am really glad that I was wrong.

I knew that it was going to be easier to look online, because that would make it so I would not have to talk to a bunch of insurance agents that wanted to push their own agenda on me rather than giving me what I wanted. I know that they are in business to make money, but I am trying to save as much money as I can, and I just don’t like feeling pressured. [Read more →]

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May 14, 2017   Comments Off

Searching for an Affordable House

So I am trying to figure out how much money I would need to put a down payment on a house. Of course I am not talking about the sort of home you would need if you had a wife and three kids. It is just me by myself, although I was thinking that perhaps if I got a good deal, perhaps I could rent out a room to a suitable tenant. That would fit in with the lean finance plan I have been using to try to save up money. For well over a year I have been focused on saving my money and to that end I have been putting aside a lot of my favorite things. It is pretty hard to keep a girlfriend when you are really trying to not spend any money obviously. [Read more →]

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July 6, 2016   Comments Off

It Pays to Go with Someone Very Experienced

For many years, I handled the bookkeeping at my small business. But within a year or so, I decided to hire someone to take over the work from me so that my time would be free to focus on other things instead. She was an accountant who seemed to do great work for me, but at some point, I finally realized that I needed someone with more experience. Someone who could help move my business forward.

I had big goals for my company, and I was pleased to see the growth each year that I hoped to gain. I really enjoyed being able to pay my employees well, give them well deserved raises and let them all know that I hoped to continue running a business that would give them a secured spot within the company for as long as we remained thriving. But I also needed to make sure that the employees that I hired are people who know how to keep up with the growth of our company.

When we were simply a small, start-up businesses, the employee who was hired to do our accounting had no trouble with keeping up with the work. [Read more →]

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August 18, 2015   Comments Off

Hiring a San Jose Accounting Firm Was a Really Good Idea

I was always filing for an extension to do my business taxes. It was tough doing everything we needed to do to run our home business and keep the house running efficiently. Then we had to add meticulous bookkeeping to the list to keep the tax people happy. I was looking at how much it was costing us in man hours to do our own bookkeeping versus what it would cost to have a professional San Jose accounting firm do it for us. We thought we were too small of a business to benefit from having an accountant do anything other than our taxes.

We had a small payroll of five employees of which my wife and I were two of them. So it was only three other people who worked with us in our small cottage industry. We paid a living wage to ourselves and our employees. We provided a good healthcare insurance policy. We stayed small and within our means maximizing our profits to benefit the people we had rather than looking for constant expansion. [Read more →]

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July 23, 2015   Comments Off

We Needed to Have Renters Insurance

When my husband and I decided to move south, we already knew we wanted Florida to be our new home state. We had both lived in Florida in the past, and we both missed it something terrible. Also, the northern winters had beaten us up pretty bad, so we were ready for some sunshine year round. We knew that we wanted to live there, but we had trouble finding the home of our dreams. We finally decided to rent for a year as long as we could find affordable Florida home insurance for renters.

If we could do that, then we would take our time and look for a place that we could buy. [Read more →]

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May 15, 2017   Comments Off

Navajo Nation Scholarship Provides a Way to Give Back to Many

While attending college in Arizona, my roommate was this incredibly intelligent young woman who also happened to be a Navajo native American. She was attending school thanks to a navajo nation scholarship and in return, she had pledged that she would return to her native Navajo land and pass on the education, skills and abilities she had learned while at the university.

While most I knew in college had big dreams of moving away from their hometowns and living on their own, my roommate told me it was an honor and an easy choice to make the commitment required for the scholarship, as not only was her college education paid for, but she had a strong desire to return to her home and help improve life for her large family.

I did not understand just how abundant that family was until she took me home for a weekend and I got to experience the Navajo Nation community she had grown up in firsthand. Family, to my roommate, extended well beyond her own mother, father and siblings, but went well into the entire community. I don’t think we passed a single person who did not greet my roommate by name and with a hug and were so very welcoming of me into their community as well.

I enjoyed a wonderful weekend, was more than well-fed, learned about many of the traditions and beliefs of the Navajo people and felt truly cared for by my roommate’s family and friends. It truly felt like home to me and it gave me much more understanding as to why my roommate wanted to return after graduation as well. My roommate wanted to do well in school not only to make her family and community proud, but to bring back something of value to her community to help it grow and thrive as well.

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April 3, 2017   Comments Off

I Had Gold Coins and Broken Jewelry from Metal Detecting That I Wanted to Sell

I have had some coins since I was a young child. I have always been into using a metal detector. I got pretty good at finding things at places where the public would gather, and I had a reputation of not leaving any marks on the ground. Private property owners then let me hunt for things. I would split finds with them. If it was only one item, I would sell it and split the money. Some of the old coins were worth a lot, so I was looking for gold coin dealers in Nashville to sell a few for the highest return to me.

Gold keeps going up. I had jewelry pieces made of gold too. I would find all kinds of things from rings to watches. [Read more →]

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January 5, 2017   Comments Off

Being My Own Boss Became My Biggest Goal

As someone who has always been good with numbers, my dad recommended that I go to school to become an accountant. I didn’t really think of anything else I should do, so I followed his advice. However, after about 3 years worth of school, I realized that becoming an accountant did not really appeal to me. There was no way that I was going to throw away the schooling that I had already worked hard for, so I decided to finish my degree. In my 4th year, I realized I was interested in starting a tax business of my own. I wasn’t thinking of owning a big place with hundreds of employees. I simply wanted to start out on my own and see where that led.

I was really grateful to get through my last year of college. I figured that if I really needed to change my major to something else, I could do that after I graduated. [Read more →]

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December 16, 2016   Comments Off

Went to Talk with My CPA

Like anyone I am interested in all of the tax relief that I can get, but I am worried that the last guy who was doing my taxes may have been a lot more brave than he needed to be. You want to walk up to the line and look at it really hard, but you do not want to cross over it. You definitely do not want to do the sorts of things which makes the IRS want to look really closely at you. That is such a big pain in the butt that there is not any profit in risking it. More to the point, life is short and you want to enjoy it as much as you can. That is really hard when you have the government crawling up in your business half of your life. [Read more →]

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September 2, 2016   Comments Off

Why Coupons Can Help a Store Earn New Customers

My mom has loved shopping at Bed Bath and Beyond for years. The only time I would go there is when I went back home to visit her, because there aren’t any close to where I live. On my last visit there, I noticed that she was looking at some silverware patterns. When I asked her if she was going to get a new set, she told me she will one day. I could tell she was really indecisive though and wanted a new set. When I went home, I searched for Bed Bath and Beyond coupons 2016, knowing that I was going to get her the set that she had looked at.

Since I had no way of getting them unless she was with me, I decided to just order them online and surprise her. [Read more →]

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June 14, 2016   Comments Off

Avoid All Risks to Your Credit

You have bad credit? It’s kind of awful, isn’t it? I’m right there with you. I made some (read: many) mistakes when I was younger. A lot of mistakes. Enough financial mistakes that nearly for a decade in my 20′s I was unable to do anything at all. I couldn’t get a new car. I couldn’t even get a home. I was so stuck because of my poor credit I was forced to do nothing but work and pay cash for nearly everything. Even when I was able to get one of those loans for people with poor credit it wasn’t enough to repair the damage to my credit.

It’s amazing how easy it is to destroy your credit. A couple of bad accounts, an unpaid credit card and suddenly you find your credit score down to 300. [Read more →]

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November 26, 2015   Comments Off

Looking at Somewhat Riskier Investments

I have started to think about whether or not I want to start doing somewhat riskier investments with the potential for higher returns. Of course that does not mean that that I am ready to get involves in stuff that is overly risky. For example the other day this fellow I know was talking about how to choose the right binary options broker, but when you look at it closely this is pretty much straight up gambling. You are betting on one of two outcomes, if you win you get something from it obviously. If you lose, then you lose all of the initial bet. That just is not something that makes me feel good. If I was certain that I would win, then obviously it would be okay. [Read more →]

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October 29, 2015   Comments Off

There is a Great Way to Get Old Debt

As a landscaper, I work a lot of hours. I get up most mornings at 5 AM so that I can be on the road by 7 AM to see my first customer of the day. I often do not finish my work day until 8 PM each night, and I am often tired and have little time left before I need to be in bed again. Making phone calls to some of my customers who don’t pay on time is not something I have time for. I called Professional Recovery Consultants to ask them what can be done about this, and they have been great.

It costs me time and money to have to make a lot of calls to customers. I work on Saturdays and Sundays as well, so I don’t have any free days to chase down customers for past-due payments. [Read more →]

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September 30, 2015   Comments Off

Knowing Who Will Betray Your Trust

Have you been considering getting yourself one of those cash loans? I feel you. Whenever I have an unexpected debt or really, really want to buy myself that I’ve been wanting my thoughts instantly go to one of those payday loan like places. They seem like such a great idea, don’t they? Personally, I’m all for them. This is assuming that anyone take out a loan understands the legal agreement, the interest rate and has enough money to actually pay back the loan. Some of these places don’t care whether or not the money is actually there to be paid back; that’s not how they make their money.

They can sell debt to credit agencies who will hound individuals through phone calls or even take them to court – something that doesn’t exactly work well, truth be told. [Read more →]

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September 28, 2015   Comments Off