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Nobody is withholding anything on your behalf anymore, and the bill arrives on a schedule that does not match the way the money came in.
Continue reading Your first year self employed? Set aside the tax before you spend the money
A customer collecting three quotes cannot judge the work. They can only judge the documents, which means the document is doing more selling than the price.
Continue reading Three estimates, one customer, and the one that wins is rarely the cheapest
The offer refused in month two is often better than the outcome reached in month fourteen, once you count what the intervening year actually took out of you.
Continue reading Most people settle a dispute too late, and the reason is rarely the money
Federal tax gets the attention and state and local obligations produce most of the surprises, because there is no single rulebook and nobody sends you one.
Continue reading Sales tax, city licenses, and the letter from a state you barely worked in
A backup nobody has ever restored from is not a backup. It is a belief, and the difference only becomes visible on the worst possible day.
Continue reading The drive was backing up for two years. Nothing on it could be restored
Pricing against a competitor copies their arithmetic without seeing it. The number that matters is how many hours you can actually sell in a year.
Continue reading Your rate is not what the other guy charges. It is what your calendar allows