Jose Anes Personal Finance Articles Recent Articles From EvanCarmichael.com http://www.evancarmichael.com/ http://www.evancarmichael.com/Personal-Finance/1005/First-WriteOff.html http://www.evancarmichael.com/Personal-Finance/1005/First-WriteOff.html First Write-Off Write offs are difficult to avoid. Most business, sooner or later, will see some expected income lost. Most of the time it is real loss, since you lost either billable hours or inventory. Although it is difficult to look at it in any good way, you may be able to find ways of making lemonade out of this lemmon. http://www.evancarmichael.com/Personal-Finance/1005/Contractor-vs-Consultant.html http://www.evancarmichael.com/Personal-Finance/1005/Contractor-vs-Consultant.html Contractor vs. Consultant Consultant, Contractor… is there a difference? Sometimes there isn’t, sometimes the same person can be both, even on the same engagement. However, I define the difference this way: http://www.evancarmichael.com/Personal-Finance/1005/Small-Business-Credit--DUN-Numbers--Dun--Bradstreet.html http://www.evancarmichael.com/Personal-Finance/1005/Small-Business-Credit--DUN-Numbers--Dun--Bradstreet.html Small Business Credit : DUN Numbers : Dun & Bradstreet Small Business Credit http://www.evancarmichael.com/Personal-Finance/1005/To-Employ-Or-Not-To-Employ.html http://www.evancarmichael.com/Personal-Finance/1005/To-Employ-Or-Not-To-Employ.html To Employ Or Not To Employ As a successful consultant, you will often be faced with the question of when ether you should be adding employees to your practice. http://www.evancarmichael.com/Personal-Finance/1005/Wills--Software-Package-vs-Lawyer.html http://www.evancarmichael.com/Personal-Finance/1005/Wills--Software-Package-vs-Lawyer.html Wills: Software Package vs. Lawyer Should you use a software package to prepare your last documents, or is it a task that should only be delegated to a lawyer? http://www.evancarmichael.com/Personal-Finance/1005/Turning-a-Recession-Into-An-Opportunity.html http://www.evancarmichael.com/Personal-Finance/1005/Turning-a-Recession-Into-An-Opportunity.html Turning a Recession Into An Opportunity There is no denying that recessions are not good for anyone. Recessions causes downtime – do not waste this downtime. http://www.evancarmichael.com/Personal-Finance/1005/Watch-Your-Business-Expenses-SelfEmployed.html http://www.evancarmichael.com/Personal-Finance/1005/Watch-Your-Business-Expenses-SelfEmployed.html Watch Your Business Expenses (Self-Employed) Don't get carried away with business expense deductions. You want to keep your business afloat. http://www.evancarmichael.com/Personal-Finance/1005/SEPIRA-vs-SEP401k-Which-Retirement-Plan-To-Choose.html http://www.evancarmichael.com/Personal-Finance/1005/SEPIRA-vs-SEP401k-Which-Retirement-Plan-To-Choose.html SEP-IRA vs SEP-401k: Which Retirement Plan To Choose How to choose the right retirement plan for the self employed. http://www.evancarmichael.com/Personal-Finance/1005/Cash--The-Independent-Consultant-Most-Valuable-Asset.html http://www.evancarmichael.com/Personal-Finance/1005/Cash--The-Independent-Consultant-Most-Valuable-Asset.html Cash: The Independent Consultant Most Valuable Asset The importance of cash reserves before starting your own new business. http://www.evancarmichael.com/Personal-Finance/1005/Your-Name-Your-Asset.html http://www.evancarmichael.com/Personal-Finance/1005/Your-Name-Your-Asset.html Your Name, Your Asset Never underestimate the value of your name. It could be a great asset if you have worked hard to make it mean something to others. Some people say that “you are the brand”: if that holds true, then your name is your trademark.