modern-bill-paying-dashboard

How many paper checks do you write per month?  15, 50, 100?  If so, then you’re not along.  Most US based businesses still rely on paper checks to pay bills, employees, and contractors, and it’s costing you hundreds of dollars!  Keep reading to find out how.

Moving Paper Costs Money

Processing checks isn’t that simple.  Think about all the work that goes into writing a check.  From getting an invoice, to entering it into your accounting system, to printing the check, and then finally mailing it.  That process takes time and multiple people touching it, which costs money!  And don’t even think about errors and mistakes that are made due to having so many people involved.

Beyong staff costs to make that workflow happen, how about paper and postage?  Now, you may say that a stamp doesn’t cost that much, but how about the other costs?

  • Stamps
  • Paper supplies
  • Staff time to process
  • Approvals

The cost for each busienss will be different based on how many checks you write and your process.  But, those costs up and I’m sure they’re substantial.

 

Use a Modern Solution to Save You Money

Like we said, “moving paper costs money”, so stop and integreat a modern service like Bill.com to help save you headaches and money!  Using a cloud-based system like Bill.com will help you do just this.  Recording, paying bills, approvals, documents storage, and syncing with your accounting system all from within one login is what makes Bill.com such a powerful and time saving tool.

This is how it works:

  • Scan, email or fax your bill into Bill.com
  • Process the bill and assign the vendor and expense account online using their easy to use dashboard
  • Gain necessary approvals
  • Schedule the payments to go out ACH or by check (yep Bill.com will handle printing and mailing the check for you)
  • Sync bills and payments happens automatically in the backround

That’s it–only 5 steps all from within one system!

 

Stop Bleeding Money and Make the Switch

 

photo-1441015401724-70d16b783f5c

Switching to a new Accounts Payable system/workflow can be scary and daunting.  We can help!  We can help you find out if it makes sense for your organization, develop an implemenation plan, and even provide ongoing support.

Contact us for a free consulation and learn more about how much you can save by switching to a modern solution and by ditching the paper!

 

 

 

Read More


audit-proof-your-business-with-evernote

 

Going through an IRS Audit can be a big deal if you’re not prepared.  But with today’s technology, we’re going to show you an easy way to make sure you have all the documentation you need to prove your business expenses.  I’m not saying that all audits are the same, but most of the ones we’ve helped clients through ask for substantiation, or proof, of certain expenses that you’re claiming on your tax return.  If you can’t provide adequate records and prove the business purpose, then the IRS could disallow those expenses—and you don’t want that!

 

Use Technology

We spend lots of time vetting out new technologies to find the ones that work well, and the ones that don’t.  Part of this process is actually using the apps, and analyzing a few things: 1. How easy is it to use and 2. Does it work well with a general small business work process?  Our favorite app for retaining information is Evernote.  If you’ve never heard of Evernote (that would be surprising), we recommend checking them out on the web.  We’re going to show how to use Evernote to audit-proof your business.

 

Introduction to Evernote

Evernote is a like a central hub for all data you want to put into it.  For me, I use it like an external hard drive for my brain!  The power of Evernote lies within it being accessible on every device you own, easy to get information into it, and easy to find the information later when you need it.  For the purpose of this post, we’re going to cover:

  • Using your mobile device to scan receipts
  • Organizing into Notebooks
  • Using tags
  • Using other services to connect to Evernote

 

Overview

To audit proof your business you need to track key elements about your expenses.

  • Date you purchased
  • Amount
  • Who you purchased from
  • Business purpose

Most of the time a receipt covers all that quite nicely.  The only thing you should add is Business Purpose (which we’re going to show you).  You should also keep bank/credit statements, and even cleared checks.

 

Using Evernote to Achieve Audit Protection Bliss

At the very basic level, Evernote is structured as Notebooks and Notes that live within those Notebooks.  You can also use Tags to help you organize and search easier.

Keep Receipts

Step 1: Create a Notebook called Receipts

8baec26e-c5bb-4f1e-9471-aee93d24ac22

 

Step 2: Use the mobile app to snap scans of your receipts as you make purchases

ca8bfcd6-99ff-403e-ad2c-24d6797f0418

 

Notice that the Notebooks is “Receipts” and we’re using a tag called “office supplies” so that we can easily search for office supplies.  Also, you’ll notice we put the business purpose as the name of the note.  You can do this on your computer, or on your mobile device.

Step 3: Do the same process for every receipt you get.  Evernote will become your repository for all your receipts.  You can easily search for your receipts by tag if you want to see all of your Office Supply receipts.

Keep Bank Statements

After using Evernote you’re going to find more useful ways to use it in your everyday life.  One key feature is being able to keep and store attachments in notes.  Now, downloading your bank statements and putting them in Evernote is not that hard, but it’s also not that convenient.  Remember we said that one of the key features to apps we use is convenience?

The solution to this is to use an Evernote Marketplace app called File This.  File This is simply an app that will automatically retrieve your bank, credit card, utility statements, and put them where you tell it.  While it will export directly to popular cloud-based file sharing apps like Google Drive & Dropbox, you can also connect it to Evernote.

Once you have it File This connected to Evernote, your bank statements will automatically appear in the designated Notebook within Evernote.  File This is pretty robust and even has a free version for you to get started on.

 

Start Scanning!

Scanning your receipts and storing bank statements within Evernote will start you down the path of preparedness if the IRS decides to “knock on your door”.  Of course, in order for this system to work you have to be committed and adopt it as a workflow/system you use in your day to day life.  We use this system, we have clients using this system, and we can tell you that with a bit of discipline, it works!

Want to learn more about Evernote?  I’m an Evernote Certified Consultant so drop us a line and we’ll help you figure which version is best for you, and discuss how you can use it in your business.

Here are some useful links where you can sign up for free trials:

Evernote Basic

Evernote Plus

Evernote Premium

Evernote Business

Read More


How to Choose payroll service blog post

Whenever I mention payroll to business owners I see the telltale signs of them “checking out” mentally, and it’s not surprising!  With terms like FICA, Workers Comp, Unemployment and ObamaCare, it’s no wonder small businesses are confused and sometimes just downright disgusted by it.  In fact, we often tell clients that if they get one thing right in running their business, make sure you hire a competent payroll service!

We want to help you understand how to make the right choice in choosing a payroll service.  So let’s get into it!

Taxes

Penalties on payroll tax errors are some of the most stringent that the IRS will shell out.  So you need to get this right!  Payroll companies will work payroll taxes in one of two ways: impounding and you paying the taxes yourself.

Impounding means that the payroll company takes the taxes from your account, holds on to them, and then pays them on time to the IRS and state agencies.  Sure, they make money on holding onto your funds, but they also take full responsibility for making the payments on time.

Some providers make it pretty easy to pay the taxes yourself via ACH and electronic payments.  However, it’s up to you to press “Submit” and make them on time.

The Verdict:

Use payroll services that impound.  It’s easier to manage cash flow because the taxes are taken out right when you run payroll and the payroll company assumes the responsibility to make the payments on time.

Direct Deposit and Checks

This may seem like a pretty basic thing but did you know that you can save yourself some time and costs by ONLY offering direct deposit?  Direct Deposit is a great way to pay your employees because they get paid right into the accounts.  Checks can be used, but they also create a headache when it comes time to reconcile your bank account.  Payroll companies also charge to push that paper around.  Have employees that don’t have a bank account?  Give them a “Pay Card’ that has it’s own routing and account number and you can “load” it with their pay each pay period.

The Verdict:

Use a payroll service that focuses on direct deposit and you will most likely save money on monthly service fees, postage and mailing, and time when reconciling your bank account.

Integration with Other Apps

Do you use accounting or online scheduling software like Xero or Deputy?  Use a service that ingrates with them to eliminate data entry and make running payroll, easy.  If using online scheduling, within a few clicks you can approve timesheets and send them straight to payroll.  This alone can save you hours each pay period.

The Verdict:

Search out payroll services that are open that integrate with other apps that you use.  Who knows, you may even discover an app you can use for your business this way!

Advanced HR Features

Some businesses have 1-5 employees, some have 50.  And depending on how many you have, will determine how much help you’ll need managing them.

If you have a large staff to manage, payroll companies like ADP have robust services beyond just running payroll that offers on-site HR reps that can come out “do your dirty work” for you, a.k.a.hire and fire.  They can also help you navigate the tricky waters of the ACA (ObamaCare) and provide employee handbooks, amongst other things.

If only a few employees, then a company like Gusto is often a good choice.  While they don’t provide robust HR services, they can offer very competitive rates on Workers Comp insurance, and make managing your employees pretty easy.

The Verdict:

Make a choice based on your payroll needs and employee size.

Pricing and Cost

This is what it boils down to right?  There are two methods that payroll services use to charge their fees: a flat fee per month, or fee per pay period.

Flat fee per month gives you a predictable cost each month.  Generally, there is a base cost and then a per-employee-per-month cost.  So as long as you know how many employees you’re paying, your fee is pretty predictable.  And, these companies don’t charge for anything extra like W-2’s and quarterly reports, as long as you are a subscriber.

Per-pay-period providers charge each time your run a payroll.  For most businesses, this is twice per month.  They will also charge additional fees for W-2’s and quarterly reports.  There are also other charges for mailing checks, etc., so make sure you have the payroll service spell our EVERY thing that is going to cost before you sign up.

The Verdict:

Use a service provider that charges a flat fee per month.  There is less confusion on fees and it’s generally cheaper each month.

Make it Happen!

As you can see, there’re lots to consider when choosing the right payroll service provider for you.  We can help you make that choice and get you in touch with the people to make things happen.   Have questions, leave a comment or reach out to us on our Get In Touch page and we’ll be happy to help you make the best decision for you and your business.

Read More


 

App PowerPack Post

Unless you’ve been under a rock the past 5 years, I’m sure you’ve noticed the era of cloud-based apps has far outpaced its desktop counterparts.  We like cloud-based apps a lot—for good reasons that are too many to go into here.  You can check out this BLOG POST  to see a previous post about cloud-based apps. We like them so much that we’ve completely transitioned our business to using cloud apps for us and our clients.  We spend lots of time vetting out the ever growing list of cloud-based apps, and have come to rely on 3 core apps.  These apps are our top pick to make our “PowerPack” of apps that we set up with each client.

  xeroXero – Accounting

Xero touts itself as “beautiful accounting software”, and we agree.  From the first time you log in, you can tell right away that Xero has taken design pretty serious.  But that doesn’t mean that it lacks in power and functionality.  Features include: invoicing, quotes, purchase orders, A/P (bills), document management, real-time cash flow tools, contact management, powerful reporting, and much more.  Perhaps one of it’s best features is the eco-system of software add-on’s that integrate with Xero.

hubdoc_logo_full  Hubdoc – Receipt and Statement Management

Trust us, we know how daunting it is to manage all the paper for running a business!  Hubdoc solves this issue with automation and storage.  The idea behind the system is:

  1. To be a repository for your bank and utility statements by connecting to your online accounts and pulling the statements automatically
  2. To serve as an easy way to get the information from receipts, into your accounting system.  Simply snap a pic of any receipt using the mobile app on your device, and Hubdoc will read the date, amount, and vendor.

 

By integrating with Xero, Bill.com, and Google Drive, you can have a completely paperless system that allows you to automatically keep bank, utility statements, and store digital copies of your receipts.

 

 

download

Expensify – Expense Reports and Mileage Tracking

Expensify has revolutionized the way you track and submit expenses for reimbursement.  From single to a team of several employees, expense reports for mileage, personal expenses, and travel can easily be imported into Xero and even reimbursed via ACH straight from within the app.  For most of our single-owner businesses, it works perfectly for keeping track of money you spend on personal accounts.  Enabling GPS on their mobile app makes it a breeze to track your auto mileage as well.

 

 

Want to know more about these “Power Hitter” apps?  Leave a comment or reach out to see how they can benefit your business and even get them for free as part of one of our monthly service plans.

Read More


receipts
If you’ve been in business for any amount of time, you’ve probably heard something about keeping your receipts.  And we’ve heard some good myths about when and when you don’t have to keep them.  We’re here to set the record straight and tell you exactly when you need to keep receipts.

First, let me explain that there are different suggested records for different types of transactions.  For example, what you keep to prove the purchase of inventory is different than gas for your car.  We’re going to explore two categories today: General, and Travel/Entertainment expenses. But there are many more that we’re not discussing today.

General Expenses

What are they?

General expenses are things like paper, utilities, cell phone, etc.  Those types of expenses must be be proved with a bank/credit card statement, receipt, or invoice that shows the date, amount, and busienss purpose.

How long should I keep records for?

Generally speaking, you’ll want to keep records for at least 3 years from when you claimed them on your tax return.  The good news is that you can keep them in paper form, or electronically.  We’re a big fan of using the mobile app for Xero to take a snapshot of the receipt, and recording the transaction right on the spot when it happens.  You can also use other systems like Evernote, Google Drive, Dropbox and Box to store your records.  If you choose to keep paper, then have a good file system organized by year and type of expense, at the very least.

 

Travel & Entertainment Expenses

What are they?

41131785-business-team-on-the-way-to-meetingsJust as it sounds, expenses you incur to travel, take clients out to lunch.  It also covers lodging, rental cars, transportation, and a host of other things.  See IRS Publication 463 that is referenced below for more things that qualify as travel and entertainment expenses.

 

 

How should I keep records and for how long?

The trick here is to have “adequate” records.  There are 4 main points that you must prove in order to have a deemed adequate expense in this category:

  1. Amount
  2. Time (for travel)
  3. Place or Description
  4. Business Purpose

What that basically means is that you must have a receipt, log book, or some kind of record that proves those 4 main points for each expenses you deduct.  Estimates don’t count.  The long and short of this is: that you keep all receipts/invoices for each expense in this category.  There are only a few exceptions, one of them being that if your expense in under $75 (except lodging), you can simply provide bank statements to prove you expense.  Of course there are more exceptions, but we don’t have time to go into them in this post.

And like above, you should keep these records for 3 years after you file the tax return for the year you’re taking the deduction in.

 

The IRS has some pretty elaborate articles and publications on this topic.  We referenced IRS Publication 463.  Feel free to check it out if you need to dive in a bit deeper.  Or, leave a comment and reach out to us and we can help you navigate the murky waters of business deductions.

 

Read More


“My bank says I have $5000, but my Profit and Loss says I made $10,000… huh?!”

Ever asked this question?

With this post, let’s dive into one of the most mis-understood and under-used reports that you have in your accounting software arsenal: Statement of Cash Flows (aka Cash Flow Statement).  This statement will answer the very question may have plagued you for some time now.

In short, this report follows one of the most important things in your business: CASH.  It tracks where the cash came from, and where it went.  The report breaks up your income and spending into three different categories: Operating, Investing, and Financing activities.

Here’s a brief explanation of each:

  1. Operating Activities: this is income and expenses from regular revenue and expenses in your business.  For example, sale of services/products that you provide, and money spent on supplies.
  2. Investing Activities: this is money spent on selling and purchasing assets.  For example, you buy a new computer and sell an old vehicle that the business owns.
  3. Financing Activities: this is money that you or an investor infuses into the business, or money taken out by owners.  For example, you contribute money into the business to cover expenses, or you take money out of the business to pay your self as an owner/shareholder.

Now, let’s show you what a statement looks like.  For this post, we’re using a statement from Xero.  QuickBooks will give you one that looks a little bit different, the differences are minor, and it tells you the same thing.

Xero Cash Summary Demo Company US

Or, here’s a downloadable version of the same report:

Demo Company (US) – Cash Summary

This report answers the question “where did my cash go?”, and will show you where the cash went.  At the very least, this report should help you understand your business activities so that you can make better decisions.  If you need further help making sense of this, or maybe your business has a unique situation, please don’t hesitate to reach out and contact us.

So now that you know more about your cash, what are you going to do with it?
Read More


Having the ability to process your accounting, payroll, CRM, etc., on any computer (PC or Mac) is all within reach now for any business starting out.  And since we’ve helped many businesses setup cloud-based processes, naturally we’ve done a lot of trial and error on what applications work.  These are many out there, but we’ve narrowed it down to our top 5 favorites for most small businesses.

1.  Google Mail (Gmail):  Since email is the center of most business, we figured that it should be #1!  Google mail, aka “Gmail”, has been the go-to mail app for a lot people.  And rightfully so.  It’s spam filters are superb, and you can customize it how you like to read/process emails.  Google even offers a business class version called Google Apps.  And while this version is not free, it offers no advertising and increased storage amounts.  The learning curve is very short.  Some of our favorite features:

  • Gmail is FREE (Google Apps is $60 per user per year)
  • Excellent spam filters
  • Good mobile app
  • Free access to Calendar
  • Free access to Google Drive (cloud file storage)
  • Free access to Docs, Sheets, and Slides (Google’s equivalent to Microsoft’s Word, Excel, and PowerPoint)

 

2.  Google Calendar:  A sister app to Gmail (above), let’s you keep track of your schedule using a number of tools.  Integration between Gmail and Calendar is tight, and has a host of solutions to run many types of businesses.  Some of our favorite features:

  • Meetings are easy to setup and invite attendees
  • Visibility into who has accepted/not accepted meetings
  • Can schedule recurring calendar events (i.e. once per month, week, every 2 weeks, etc.)
  • Can create calendar events directly from an email in Gmail
  • Can create and share different calendars for different purposes (i.e. calendar for each team member, company wide vacation calendar, personal calendars, etc.)

 

3. Xero Accounting Software: Designed to give the small business what they need within a few clicks, is our top choice.  With solid functions like invoicing, bills, quotes, and real-time bank feeds, you can manage your business from your computer, iPad, or any iOS or Android device.  One of the things we love about Xero is it’s add on ecosystem.  Want to see if your client paid you, from your CRM?  You can do it with their add on’s.  You can build out really smooth business processes this way.  We really like:

  • Online invoicing
  • Connect to payment services like PayPal and Stripe
  • Customer/Vendor Management
  • Bank transactions directly imported from bank
  • ascetically pleasing and just looks good
  • Reports exportable to PDF, Excel, and Google Sheets
  • Easy to collaborate with your accountant or other people

 

4.  Gusto (formerly ZenPayroll):  Designed for just one person, or scales up to several employees, this payroll has direct integration to Xero and QuickBooks Online.  With it’s great feature list, and straightforward pricing, it’s hard to beat.  Here’s a few of it’s valuable features:

  • Direct Deposit
  • Employee self on-boarding
  • Simple and easy to use interface
  • Full service payroll – they process all the payments and file all the returns for you
  • Can pay contractors along side employees
  • Integration with Worker’s Comp Insurance and soon, Health Benefits
  • Integration with Xero

 

5. Evernote: We’ve come to use Evernote every day here at the firm.  Mainly because we can access it from any device we’re on.  No matter where we are, we can get to our notes!  Evernote is great for just jotting down a simple note, or connecting to other services like Uber Conference to keep track of phone calls, meetings, you name it.  You can build out folder and tag structure, or just starting taking notes that are searchable.  Some of the best features are:

  • On any device (windows, mac, android, iOS)
  • Can create any type of note (meeting, to-do list, etc.)
  • Can set due dates for notes (great for to-do lists)
  • Can add attachments like PDF’s
  • Can email a note directly into Evernote
  • Can share and chat about notes, directly from within Evernote

 

Believe me, we could go on and on about other apps and the great things they can do.  But for any one looking to start, or run their existing business more efficiently, these apps are more than adequate to get you started.  We love talking to folks to help them make their business run smoother and get you back to doing what you love.  So feel free to leave us a comment, or give us a ring if you if we can help.

Read More


Here at iAccounting Solutions, Xero is our first choice in helping small businesses keep better track of of their finances.  That’s why when Xero announced the Business Performance Dashboard, we were pretty excited.

What Is It?

In short, the Performance Dashboard is a simple way to check the health of your business.  By using simple formulas, you can measure Key Performance Indicators, aka KPI’s, to know how your business is fairing.  However, instead of running complex spreadsheets or doing it by hand, in true Xero fashion, they have built them in so you can find and use them easily.

Xero   performance db

 

 

 

 

 

 

What Do They Mean?

That’s really the important question isn’t it?  In the world of Financial Analysis, there are thousands of ratios.  But here are the top 4 that we think are most useful to small businesses.

1. Current Ratio

This ratio (also sometimes called the “Quick Ratio) measures your ability to pay your liabilities.  A healthy range is 1.5 to 3.  Any score below 1.5 means that you may have a problem paying your debts.  And anything above a 3, means that you may not be using your assets wisely.

Xero   Business Performance   Demo Company  US

 

 

 

 

 

 

 

 

 

2. Gross Profit % (or Gross Profit Margin)

This is where the numbers get fun!  This percentage tells you the amount left over, after you’ve paid for all your costs that are associated in making that revenue, or Cost of Sales.  Healthy Gross Profit % generally changes from industry to industry.  If you don’t know what your standard should look like, reach out to us, we can help you with that.  Comparing it to industry standards can help you determine if you’re paying too much in costs, charging enough for services/products, and a whole range of indicators that show how the health of your business.

Xero   BD Gross

 

 

 

 

 

 

 

 

 

3. Net Profit % (or Net Profit Margin)

Perhaps one of the most popular metrics–this tells you how efficient your business is when comparing your expenses, to your net sales.  Although, this number varies from industry to industry, 10% or better is considered to be good.  You can gauge your overall business success with this %.

Xero BD Net

 

 

 

 

 

 

 

 

 

4. Accounts Receivable Days

This measures how fast you collect on your invoices.  Knowing this allows you to plan around your cash flow very effectively.  Knowing this can even prevent cash flow disasters from happening to your business.

 

Xero BD AR

 

 

 

 

 

 

 

 

 

In the end, these ratios and percentages are only as good as the information you put into your accounting system.  Good reporting is the backbone of any business that wants to grow and succeed.

 

What Does This Mean For My Business?

Want to have a more in depth conversation about these topics and what they mean?  Just fill out our “Contact Us” page and we’ll get in touch.  Or, give us a ring.  We can explain of these topics common language so you can understand them.

Read More


If you’re in the personal service business, then you know that keeping your clients happy is how you’re going to pay your bills.  Whether you’re an accountant, personal trainer, therapist, or any other like-business, you depend on them.

We’ve put together the top 3 ways (that we’ve found) that keep your clients coming back, and refer their friends to you.

1. Keep the communication lines open

The fastest way to keep lose your clients is to not communicate with them.  There’s really nothing magical about this.  Just talk, email, or meet with them.  How many of us have lost a client and to find out if communication was better, we could have saved the relationship?  If you’re already doing this, maybe it’s the opposite and your client is a bad communicator–not much you can do there.  But, if you give them multiple chances to voice their opinions, then if they decide to leave, it’s probably due to something outside of your relationship.  Plus, as we communicate and develop relationships, they’ll refer their friends to us.  And that is the best compliment!

2. Prove your worth–over and over again

When you start services, it’s easy for the client to see the value of your services.  But a funny thing happens with time–they forget!  So in order to keep your clients happy, you have to re-sell your self every chance you get.  There’s lots of ways to do this including: newsletters, value-added services, cards, etc.  Do what’s best for you and your business.  But the goal is to remind your clients of your worth.  For instance, when we meet with a client to do proactive tax planning, we often do tax projections.  In those projections we always point out that if they didn’t have us helping them, the would be paying $X amount of dollars more in taxes.  Our value is proven and quantified.

3. Focus on educating, not selling

Think about the last time you purchased a car.  Was the sales man “pushy”, or did he just try to educate and answer your questions?  Which was a more pleasant experience?  Chances are that it was the guy who educated and answered your questions.  What you’re doing is empowering your client to make the best decision for themselves.  If that decision to hire you, then it will be a great client relationship since they’re the ones coming to your table.  Over time, educators always develop the best relationships, which translates in more dollars for you.

What are your best practices to keep clients engaged?  Leave a comment below and let’s discuss!

Read More


14734986-a-businessman-burdened-by-heavy-taxes

Ok, you’re a personal trainer, and it’s tax time.  Does your tax bill hit you like a ton of bricks?  Chances are you’ve experienced this pain.  But, there are ways you can plan so that your not working for “Uncle Sam” and paying too much of your heard earned money!

The first thing to consider is how you’re getting taxed–as an employee or contractor?  If you just filed taxes, then this is easy to find out.  If you received a 1099, then you are a contractor.  if you received a W-2, then you are an employee.

What’s The Difference?

If you are a contractor getting a 1099, you are technically self employed.  Meaning, that you will owe self employment tax on whatever your net income is.  This also changes how you file your tax return by requiring you to report your income, and any expenses associated with that income, on a business form called Schedule C.

Getting a W-2 is inherently easier.  You report the W-2 as wages, and there is no self employment tax.

 Which One Is Better?

There is a good, and a bad list to each one.  If you’re detailed, you can save a lot of tax by being self employed.  However, it’s much less complicated to receive a W-2 and report the wages.  Whatever you’re preference is, there are ways to make sure you’re minimizing your tax.

If you need help or have questions, feel free to reach out or leave a comment!  If you have friends that would find this useful, tweet, share, plus this over to them!

Read More