tag:blogger.com,1999:blog-10718628976333185132024-03-13T20:08:13.720-07:00Numbers Speak Louder than WordsI inspire people to transform their lives by connecting their dreams to responsible budgeting and bookkeeping!Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.comBlogger38125tag:blogger.com,1999:blog-1071862897633318513.post-40427705098687550592013-09-12T18:46:00.002-07:002013-09-12T18:46:21.732-07:00Something's Gotta Give<div align="LEFT" style="border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
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<span style="color: #333333; font-family: Verdana; font-size: x-small; line-height: 15.34346866607666px;">Quarterly Tax Payments or a Living Wage</span></div>
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<span style="color: #333333;"><span style="font-family: Verdana;"><span style="font-size: 7pt; line-height: 0.16in;">Wrapping
your self-employed head around this one can be super-</span><span style="font-size: x-small;"><span style="line-height: 15.34346866607666px;">perplexing</span></span><span style="font-size: 7pt; line-height: 0.16in;">, to say the least. </span></span></span></div>
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<span style="color: #333333;"><span style="font-family: Verdana;"><span style="font-size: 7pt;">You get
paid this X-amount per month. It's seldom enough to cover your monthly nut and even worse at
the end of the year you have to scramble to cover the huge sum in Self-employment
taxes. Paradoxically, this is all good information- crucial numbers to help make vital decisions.</span></span></span></div>
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<span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;">One method to
help alleviate the Year-End tax burden challenge for independent
contractors is to take a flat % off the top, each & every
payment received. 20-30% (*Consult your local CPA) off the top. This is technically not
income & you shouldn't even consider spending it. </span></div>
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<span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;">Now if you
do the math and subtract out the % for taxes then you now know your
real number of income to work with. This is valuable information that can be leveraged in make or break decisions such as: </span></div>
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<span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;">1) <b>Hey there big spender?</b> You may need to cut back the discretionary spending to fall in line with your actual earning level. </span></div>
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<span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;">2) <b>Need more billable hours?</b> You may need to get out there and find more clients or transition away towards less price sensitive </span><span style="color: #333333; font-family: Verdana; font-size: 13.513513565063477px;">(cheap)</span><span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;"> clients.</span></div>
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<span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;">3) <b>Time for a Raise?</b> To make a living wage you may need increase your hourly rate. </span></div>
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<span style="color: #333333; font-family: Verdana; font-size: 7pt; line-height: 0.16in;">Any of a number of options to get out of the way of the 20-foot April 15th
tidal wave coming to crush your sunny day at the beach attitude. With this info
you can make informed decisions. Better to base your self in reality
rather than false hope, denial or vagueness. Vagueness inevitably
bites back.</span></div>
Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com1tag:blogger.com,1999:blog-1071862897633318513.post-18925634207452118582013-07-21T14:34:00.001-07:002013-07-21T18:59:06.949-07:00Error: QuickBooks was not able to complete your request.<div style="margin-bottom: 0in;">
Recently, BofA and Chase have instituted
a number of security upgrades, which has scrambled their downloading functions for Quickbooks for Mac.</div>
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<a href="http://4.bp.blogspot.com/-zulONzGq6fM/UexXWnrMRXI/AAAAAAAAAHY/KjJbxvGH2uA/s1600/11133204-vintage-windows-error-message.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="148" src="http://4.bp.blogspot.com/-zulONzGq6fM/UexXWnrMRXI/AAAAAAAAAHY/KjJbxvGH2uA/s200/11133204-vintage-windows-error-message.jpg" width="200" /></a></div>
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This has become a major issue for Quickbooks for Mac 2011, 2012, and 2013. I first noticed this problem 2 weeks ago, when I downloaded and a following my normal routine, I then upon double clicking the QBO file to import the downloaded transactions, I receive an error
message: “Quickbooks was not able to complete your request. Please contact your financial institution." Blah, blah, blah- not the best advice because chances are the bank online tech support will just refer you to QB tech support. </div>
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Since nothing happens when you download, there are a lot of options. You can try what we did- The Stick-Your-Head-in-the-Sand Strategy: </div>
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<b>1) Surrender:</b> Press CMD+Q and close down QB for the day and try again tomorrow. For us this netted us zero sum gain towards our predicament. </div>
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<b>2) Slog-it-Out:</b> Or you could enter in your transactions manually and check back periodically until magically the problem resolves itself. This tactic didn't go over well, as our data entry staff immediately rebelled and HR resources were called in. This strategy also creates issues on the client side. If you have 100s of transactions each week this could be problematic especially when you try to bill out for this time and your client realizes a sudden spike in billable hours. </div>
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<b>3) Last but not least: </b>Call QB Tech Support. If you have a tech support plan, they can be terribly helpful. Once we got through the 15 minutes of questions and searches through their database to match my business name, support account number and business address etc, we had
the issue resolved within 5 minutes.</div>
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The diagnosis of the problem was that after recent upgrades in online security the "FI File", which works as a bridge between online banking and the quickbooks software became inoperable.
The increased security levels initiated by the 2 banking institutions have resulted in a “damaged path” so until you repair the file that bridges the data import you will be stranded in option 1 or 2 (see above). </div>
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The 5-minute fix that QB Tech Support walked us through was: Download a new FIDIR.txt file, find the old file, delete the contents, copy/paste in the new contents and save the file. </div>
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If you are a bookkeeper running multiple versions of Quickbooks for Mac, I suspect that you will have to do this for each version and for each laptop. </div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/-hX_LkxL4aZs/UeyOvHZVrsI/AAAAAAAAAHo/S7AHcSgKMHk/s1600/call-center-partnering-250x250.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="http://1.bp.blogspot.com/-hX_LkxL4aZs/UeyOvHZVrsI/AAAAAAAAAHo/S7AHcSgKMHk/s1600/call-center-partnering-250x250.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">This call may be recorder for quality assurance</td></tr>
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QB support gave us a Reference# in
case the problem persisted and we need to call back (God help us). It may be
helpful to reference this: Ref# 222-512-968-435.</div>
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Given quickbooks' renown labyrinthian online support resources and the engulfing nature of endless peer-to-peer support pages, it can be virtually impossible to search-query the correct, up-to-date support page that addresses the specifics of your problem. To save yourself the infuriating dilemma of wading through hundreds of online pages or paying a pretty-penny for support, I include here the link to the latest support article:</div>
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<a href="http://support.quickbooks.intuit.com/support/Articles/SLN74683">http://support.quickbooks.intuit.com/support/Articles/SLN74683</a></div>
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It'll be a wonder if in the coming years, the heir-apparent Bangladesh* tech support staff will be able to keep pace with the exponential problems emerging and spiraling out from San Jose engineering R&D. *Not to pick on any one country, region or industry outsourcer who are making a killing on farming out their local low-commitment / low-cost / low-wage countrymen, but the problems are systemic. Current and future silicon solutions may be creating more problems than they solve and continue to feedback into an expanse of stalls, crashes and glitches. What we may be witnessing are the first signs of a design weakness in our fragile support-supply chain cycle. </div>
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Good Luck, due to high call volumes, as wait times may exceed 45 minutes, there may be winners and losers, who's keeping score?</div>
Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com22tag:blogger.com,1999:blog-1071862897633318513.post-3763948797813937732013-01-20T22:29:00.000-08:002013-01-20T22:29:39.422-08:00Tornadoes, Drafts and other Clues<!--[if gte mso 9]><xml>
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When you feel a draft in the room do you just go turn the
heat up? Most likely we take the easiest, quick fix approach over the more
extensive insulating, installing ductwork, and central heating. But avoiding
the root cause of the draft has a cost that significantly adds up over time and
burdens us in ways we underestimate. <o:p></o:p></div>
<br />
<div class="MsoNormal">
Let us apply the laws of thermodynamics to our new years
resolution: heat moves from warm to cold. This is an important distinction to
realize- you aren’t gaining cold you are losing heat. Our action plan needs to
take this into consideration. In a business plan or in a personal project you
want to keep the heat up. As projects become sidelined or get placed on the
back burner that brief blue flame of consistency can flicker out. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
We want to maintain the heat at the same time we want to
find the leaks in our energy, focus and follow through. But we are faced with a
reckoning. Key moments of profound
choice often define the rest of our lives. Everyday we undermine our best
efforts in ways big and small. And all the clues are right there beneath our
nose. Many we already fully recognize and know not what to do. But in order to
preserve our projects or maintain our new years resolutions we need to transform
the knowable everyday clues into known facts that we neither hide from, nor
hide for. We need <b>awareness</b> but we
also need <b>action.</b> <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The living room draft that keeps blowing the pilot light out
and leaving our dreams in the cold is a knowable, significant factor. We know
its there, but in order to maintain the comfort and avoid discomfort we turn up
the heat and downplay leak. Too much comfort comes with a hefty price tag. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Big storms are coming. We can see the looming dark clouds
and hear the freight train wind of the tornado. Some like myself are slow learners,
some quickly anticipate the next right action, but regardless I’d say 90% of
our personal storms and leaks in character are knowable. And great leverage can
be gained with a simple daily awareness practice of looking for those clues and
paying attention to the details of your life. Astounding losses occur through the
littlest of leaks. But the little clues give way to bigger clues and the mind
gets more acutely aware with each step out of denial, defeat, and disrepair. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Continued insight builds resolve and momentum to take on more.
We need help though. Be honest: if our way of working with the nouns in our
life- the people, places and things, isn’t in fact working then we may want to
seek a second opinion from folks who have the experience and skills needed in
each of our specific situation. Things get complicated quick and we don’t have
an instructions manual that comes with this life. Some things may be knowable
and we still don’t know the right action. That’s where asking for help and
seeking out the right people pays off in the long run. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Access to some of the leaks may be obstructed by someone
else’s stuff. But first focus on what you do have control over and leave the
rest for now. This is plenty. As you take inventory of the other rooms in your
house you will be more able to see the priorities and get help on the things
you can’t move yourself, but focus that action in your own room first. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
We can predict a lot of the reoccurring negatives that will rattle
our windows. With this foresight we can plan and prepare ourselves accordingly.
If we let our worst habits, fears, and self-defeating thought patterns run us,
we will quickly leak out our brightest dreams and deepest passions until we
again are sunk down in a hushed life. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
With a systematic, gentle, but shrewd approach we minimize
the negative impact of our inevitable fears, procrastination, and self-denial.
At the same time we can maximize the quality and quantity of our work—with that,
consistency and performance improves.
This multifaceted approach, plugging the leaks and getting the heat
turned back on is simultaneously working both sides of the equation, signaling
ahead our own determined cry of freedom.<o:p></o:p></div>
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-79687785937188751132013-01-13T01:33:00.000-08:002013-01-14T02:14:13.579-08:00Lucky 13 & New Year's Probability13 days into 2013 how are your New Years Resolutions coming?<br />
<br />
Instead of just hoping your way to success-- put a number on it. Estimate the probability that you will be successful in your new year's resolution and this <b><u>may</u></b> increase the likelihood you'll be successful.<br />
<br />
Developing the skill of thinking probabilistically taps into the power of observation. What you observe affects the outcomes. The observer effect states that the act of observing a system inevitably alters its state-- and possibly make life more amendable to your resolutions. Furthermore, with an timely application of Bayesian Methodology, which describes a world in which our perception moves more and more towards reality, attaining greater and greater accuracy- our hypothesis that if we change X,Y, and Z then our new year's resolution will in fact prevail. However, if you don't measure, observe, and predict there is a strong likelihood for more of the same. <br />
<br />
New year's resolutions symbolize our hopes and dreams for positive change in our life. Relish in following through on the promise that this time you will accomplish a simple goal in your life. My new year desire is to learn spanish. Now how can I be successful this time when every other time before I failed. Clearly willpower is not working. Most adherents to the doctrine of willpower would blame me, the actor, for not working hard enough. What I suggest is that there is something in the context or situation that can commands an overwhelming force, no matter how hard I assert willpower, every time I come up short.<br />
<br />
If I just think positive you might say. Behaviorists blame behavior, Thinkers blame thoughts, beliefs, attitudes. But numbers can't lie. So to increase our chances of success - estimate the percentage chance that you think you will be successful.<br />
<br />
<b>Get to the root cause: </b>the more you use willpower the more you get trapped by the law of diminishing returns. You need to leverage a force more powerful. So go out on a limb and estimate, observe, estimate, observe and the more your goals will close in on the actuals.<br />
<br />
When things get busy and your schedule fills up the margin for error decreases. This means things get tight, time and space shrink and our priorities succumb to daily pressures, things like your exercise routine or eating healthy get squeezed out for sake of expediency.<br />
<br />
Put aside for a moment the notion that you may not want to be successful and deal with all that comes with that new job, new boyfriend, new new. Change sucks.<br />
<br />
Focus on accuracy. With practice your predictions obtain clearer assessments of reality, moving more and more from fiction to fact, delusion and false hope to the way things actually are.<br />
<br />
<b>Acceptance and the world as it is. </b><br />
Now through this process you attain several important things: a more accurate perception of the world, clearer resolutions, estimates of your chance of success, and greater wisdom and insight into the personal and environmental factors that act as barriers to improving your success rate. Be successful or have a higher success rate? The first is an overly simplistic assumption based on fantasy perception of the world. And assumes we can just plop down in perfection. The second is a process promoting greater and greater progress.<br />
<br />
The more we practice thinking probabilistically and dealing with the reality of uncertainty in the world the more chance this time we will be successful in our predictions and find closer approximations of our limitations and the barriers inherent in our everyday world.<br />
<br />
So don't make a resolution unless you intend on keeping your predictions.<br />
<br />Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-14591603570392517242013-01-05T10:01:00.002-08:002013-01-05T10:01:47.857-08:00Make More Roof
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Ok so when your roof is leaking big time and there is a
gusher coming down in the middle of your living room. Since the living room is
direcly below lil’ Tommy and baby Ann’s room, this downspout has drenched your
new born’s crib and her big brothers bed. What do you do…. worry about making
more roof? <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Ever have someone after describing their money problems say
to you- “I just need to make more money.” This
may be true once and a while, say 1 person out of 5, but for most of us (myself
included) this is too simple of a diagnosis and may be covering up the deeper
root cause.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Spending Side &
Earning Side<o:p></o:p></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For one thing, worrying about making more money is like
worrying about the weather. You need a sophisticated super computer to run data
sets and statistical modeling and employ experienced analysis to generate an accurate
prediction --- we will leave that to a later blog. At this point our crude
thinking and wobbly intuition, oft given to exaggeration and bias, is not
equipped to properly forecast your revenue side. But for the time being, we can focus on the
hundred little leaks and set up for a deeper reckoning. (The actual path of <i><u>your</u></i> hurricane is too hard to predict and when your in the
middle of the storm you need a few simple things to anchor your focus on and get out of harms way.)<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The problem put simply nine times out of ten is the gaping
hole inside me that I am trying to fill with everything and the kitchen sink. Our
coping mechanisms: Distraction, Denial, Soothe and Self-Medicate are helping us
get by, but this symptom-maintenance is feeding the folly by avoiding
what’s truly responsible and slowly sinking the boat. <o:p></o:p></div>
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<br /></div>
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When you put the focus on what you CAN manage and do the
action within arm’s reach then the rest starts to conform and fall in line. <span style="color: #660066;">You start to generate momentum that can get you over the
hill.</span> Settle in on your own insanity <span style="color: #660066;">(blindspots
& bouts of ; blackouts- getting sidetracked for hours )</span> and things
directly in touch will be affected.<o:p></o:p></div>
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<![endif]--><!--StartFragment--><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">I love the saying: "It's an inside job." There is no quick fix, we want a slow recovery so
we can build a super strong foundation. At the same time, t</span></o:p>here is no perfect foundation – unshakeable. There is still
wind and there is still rain. But we are
made to be flexible to bend with the wind and to seek coverage during the rain.</div>
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I write this as much for myself as for you. I am in this process too and obviously not the perfect model. But I see it as creative process and I am hungry to learn new things and willing to put myself out there. So keep showing up, engaging, learning and together let's earn our lives back. I welcome your comments, feedback and ideas! We can't know it all in advance, but with just enough faith and trust to take the next step we can continue the journey. </div>
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<!--EndFragment--><br />
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-83571360112846574022012-10-30T10:54:00.001-07:002012-10-30T23:54:38.709-07:00Look Both Ways Before Crossing the Street<div style="text-align: left;">
In my recent journeys to increase my knowledge base in Finance to
accelerate my effectiveness as a volunteer director at Cooperative Center FCU, aid in grassroots community economic development, and enrich myself as small business owner, I was recently tipped off about a website
that published a 52 week blog tutorial on macro economics called <a href="http://neweconomicperspectives.org/p/modern-monetary-theory-primer.html" target="_blank">Modern Money Primer</a>. It was written with the average person with no degree in
economics in mind. Though I have a business degree and a geeky affinity for big
picture theory, I still find it challenging—but you got to start somewhere, right?</div>
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<o:p></o:p></div>
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<br /></div>
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In this day and age, more so now we need an educated and
activated civic populace-- neighbor to neighbor reaching out and working together. We all need an adequate understanding of economics as it
is the primary driver of politics. We are in the middle of a severe financial crisis and we need to face this and each of us put ourselves in a stronger position to
sift the good ideas from the bad. Together we can put the pressure on in our local
government to get our local area heading in the right direction. Before we can change things we have to know what we are talking about. <o:p></o:p></div>
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<a href="http://neweconomicperspectives.org/2011/06/mmp-blog-2-basics-of-macro-accounting.html" target="_blank">MMP Blog #2 "Basics of Macro Accounting"</a> explores
the intimate connections between the Private Sector (Households & Businesses),
Government Sector, and Foreign Trade Sector. All must balance with each other. If there is to be a surplus in one sector, there MUST be a deficit in another. Anything else is either magical thinking or political deception.<o:p></o:p></div>
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<b><span style="color: #262626; font-family: Georgia; font-size: 10.0pt; mso-bidi-font-family: Georgia;">Domestic Private Balance + Domestic
Government Balance + Foreign Balance = 0</span></b><span style="color: red; font-size: 10.0pt;"><o:p></o:p></span></div>
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<span style="font-family: Times, Times New Roman, serif;">What this shows is often missed in the debates over the
deficit. Everything must equal out in the end. This is also basic financial accounting theory
and practice- if you add money to one account you have to take money from another account. Every transaction
has a debit and a credit. This is also true at the macro level in regards to the national economy, federal budget, and foreign trade. All these terms being thrown around in the debates, taking on buzz word status, are being misused, such as balanced budget, job creation, unemployment, GDP. I am not choosing sides, both democrats and republicans are guilty. But who pays the price is the people as recovery is delayed by inaction and misleading debates. </span></div>
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<!--StartFragment--><span style="font-family: Times, Times New Roman, serif; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">For example, if households run a deficit (spending more than we earn) as we did between 2000-2007 maxing out our credit cards, taking on a 2<sup>nd</sup> mortgage, etc then surplus is made up in the other sectors Government and Foreign. When the government runs a deficit, as it has since the global financial crisis, we are able to run a surplus in the other sectors-- see <a href="http://neweconomicperspectives.org/2011/07/government-budget-deficits-are-largely.html" target="_blank">MMP#5 The Case of the Great Recession of 2007</a>. </span></div>
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<span style="font-family: Times, Times New Roman, serif; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">We have to look at both sides of the equation to find a balance that fuels an economic recovery and a vibrant local business climate. We can't slash government spending because it affects households and businesses. Creating surplus in the private sector, growing the economy, increasing employment and raising real wages requires deficit spending somewhere else. Everything is interconnected. As it is highly unlikely that we will get China and other countries to take trade deficits with us, then the surplus must come from the domestic government sector. Again, "the sum of deficits and surpluses across the three sectors must equal zero." Watch what you ask for and please look both ways before crossing the street.</span></div>
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-29161304908488105042012-10-19T18:26:00.001-07:002012-10-30T23:51:37.431-07:00Budget Today for Taxes Tomorrow<!--[if gte mso 9]><xml>
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<span style="color: #1a1a1a; font-family: Arial;">Did you
promise yourself last year that you wouldn't wait again until April 15th to pay
your self-employment taxes? Do you wait and use next year’s income to pay the
prior year’s taxes? If you haven’t already started to set money aside for your
year-end and quarterly tax payments, then today is the day!!! <o:p></o:p></span></div>
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<br /></div>
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<span style="color: #1a1a1a; font-family: Arial;">Here are a
few tips that could help get your thinking straight on this: <o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;"><b>1) Set a
Budget:</b> Keeping a monthly budget can make a huge difference in whether
or not you follow through on these promises to yourself. It's important
to get all your numbers laid out so you can see exactly what you are doing and
can make clear-headed decisions that won't make you an accomplice in your own
pain and stress. Cash Liquidity is essential in a credit-poor economy, but you
must plan ahead and budget to build up ample cash reserves. Writing on Home
& Business Budgeting for the New Economy is a primary emphasis of <a href="http://ifnumberscouldtalk.blogspot.com/" target="_blank">Numbers Speak Louder Than Words.</a> <o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;"><b>2)</b> <b>Keep
Your Numbers:</b> Keeping your numbers on a monthly or weekly basis will free
you up to not only save for your tax liability, but even more you will develop
a keen awareness of the key indicators that could make or break your business.
I can't stress it enough the importance of working towards having in-depth accounting.
If you look only at the bottom line you will be missing out on the details that
are specific to your business and industry. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;"><b>3)</b> <b>Move Your Money:</b> Transfer the
apportioned amounts out of your operations/spending account RIGHT AWAY. Put it
in an account that you won't touch until it's time to pay your taxes. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;"><b>4) Get
Help:</b> Don’t do this alone. If this seems like a daunting
situation, don’t do it alone. Get support-- voicing your goals and intentions
to another human being increases the likelihood of success. “Book Ending”
is a simple technique where you tell someone your goal or task before you start and
then check back in after you have completed it.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;">Like
it or not make payments or set aside this money as you go, so you won't get in
a jam come April 15th. Drama and crisis is avoidable in this case (as it
is in most cases)… not to mention the late fees and penalties. </span><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;">I
know it’s easy to say, but harder to do. Let this year be different.</span></div>
<!--EndFragment--><br />
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-34414868305765409262012-10-18T09:09:00.001-07:002012-10-30T23:58:09.278-07:00Now You See It, Now You Don't<!--[if gte mso 9]><xml>
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Here is a technique that I use to help myself stay conscious
of what I am doing. I have direct deposit for one of my clients so on payday I go online and make sure my paycheck was
deposited. As soon as I see the amount is there, I transfer what I don’t need
into savings. Now you see it, now you don’t. <o:p></o:p></div>
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<br /></div>
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This helps me to stick to my budget. And helps me to be
conscious every time I spend money. I have noticed with some of my clients that out of necessity we pay more attention when money is tighter. So why not use this technique even on weeks when we may not have to. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
This is a chance for me to mention a paradoxical concept I came across that continues to inspire and fascinate me…
Employing constraints in your life, can engender freedom. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Learning Happens<o:p></o:p></b></div>
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I first got this concept from Edward Yu. A good friend and my personal trainer. He kicked my butt on a daily basis. And our early trainings ended up becoming the grist for his book: <a href="http://radicallytransformativefitness.com/the-art-of-slowing-down/" target="_blank">The Art of Slowing Down</a>. What he would use to trick me out of my less-than conscious habits. Is what he called "constraints". </div>
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“Walk on the 2<sup>nd</sup> metatarsal,” “Walk on the heal,” "Walk on the toes," "Now walk normally." These guidelines helped me feel how my body was moving. I was learning proper alignment and what it felt like from the inside-out. We would incorporate Tai Chi slowing down to improve our speed by creating <u>more efficient, effective running.</u> </div>
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<br />
Edward would suggest various constraints while we warmed
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the habitual movement and awaken new neural pathways in the brain. </div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The problem is we can fall easily into our habit posture and
running form. The body (and mind) go automatically to the path of least resistance and we need mental
and physical reminders to prop us
out of this less than conscious state.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Rules to Find Freedom</b></div>
<div class="MsoNormal">
With home and business budgets constraints achieve
the same powerful affect. They wake us up out of our habits and keep us in alignment with our goals. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
With home budgets we slow down what is
happening so we can gather the info we need to make better decisions and have
the alignment to be more efficient and effective. We invite constraints into our daily life on what
we are spending so we can save more and achieve our dreams. Though they seem like pain at first these
constraints allow greater freedom and range of motion in our life. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When we overspend and have nothing in savings for emergency,
when crisis hits we are much more stressed and vulnerable in the situation.
Which would you rather have the constraints of a budget that enables you to
save or the constraints of 29.99% APR breathing down your neck because you
burned thru your cash and had to use credit?<o:p></o:p></div>
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<br /></div>
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Whether you use keep the balance in your spending account intentionally low or checking your budget before you leave the house can be helpful constraints to release the weight of worry about money. We can find freedom in surrendering to the budget that we have developed and trust that with this greater awareness and courage to follow our action plan we will arrive to a sound place with our money.</div>
<!--EndFragment--><br />
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-8129962773727501812012-10-06T10:26:00.001-07:002012-10-31T00:02:22.214-07:00Home Budgeting: Its the Economy Stupid<!--[if gte mso 9]><xml>
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First thing: if you don’t have a home budget, start one. If you’ve let it slip lately, get it going
again. As the saying goes, "It’s the Economy Stupid" and you probably have a sneaking suspicion that you are falling further behind and in the new economy, you can't afford to hide in the darkness, you need facts and the inspiration to get into right-action. The times of the lone wolf method of struggling on your own and playing the strong silent type are over. It's just not the economy for that-- not individually and not collectively.<o:p></o:p></div>
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The good news is the economy won't be getting any better (as in back to normal), not for a long
time. The bad news is that we can start today on keeping a Home Budget.<o:p></o:p></div>
<div class="MsoNormal">
<o:p><br /></o:p></div>
<div class="MsoNormal">
<o:p>I say "bad news" because facing facts is often the last thing we want to do. Something in our human nature that makes the hardest things the last things we want to do, if we ever get to them. It may be comforting to realize that home budgets are not technically hard to do, only elementary-level arithmetic is required and you can even cheat and use a calculator. Though most of the time the technical skill is not what holds people back, its the emotions and feelings that get unearthed in the process. Again, it's important to realize that what keeps people from keeping a home budget is not the elementary-level arithmetic, but the emotions and feelings that get unearthed.</o:p></div>
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<o:p><br /></o:p></div>
<div class="MsoNormal">
<o:p>I say "good news" because the economy won't let us keep putting this off. We have to sober up. It's time to learn from our mistakes and make better choices. For most of us there just isn't the credit cushion of which we had grown accustomed to and that enabled our worst spending habits and semi-conscious patterns.</o:p></div>
<div class="MsoNormal">
<o:p><br /></o:p></div>
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This is good news because many of us have been in denial for a long time. 360 degree denial. Everywhere we look, everything we see is chock full of denial. We are told the economy is improving and we believe it. We are told the stock market is a safe gamble, but we aren't given the massive users manual that should come with our 401k. We are told spend like there is no tomorrow and you don't have to tell us twice. <o:p></o:p></div>
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<br /></div>
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Good news because we can start today-- as soon as we wipe
the sleep from our eyes and smell the coffee brewing in the kitchen. <o:p></o:p></div>
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<br /></div>
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Good news because we can get on with living. Living not the big house, extravagant lifestyle we see reflected back in our TV, but the living within
our means. Balancing our checkbook. Back to basics- whatever that may mean to us. Be it back to nature, back to
knowing our neighbors, back to cleaning our house ourselves or just back to reality. With a home budget we can see how far off our spending is in order to make our savings goals and plans. Quick money and quick debt
has a long lasting hangover with no easy cure. </div>
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<br /></div>
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There may be nothing glamorous about putting yourself on a home budget. Though it is basic common sense, it can feel awkward and bewildering at first. But the thing I want to focus in on here the most is developing a shame-free approach to money. A lot of us have picked up feelings of shame around money, not earning enough, spending too much, etc. In our society debt and bankruptcy is comparable to the 7 Deadly Sins and we try to hide this reality at all costs. This secret life that we think we have to live slowly sucks us dry. The secrecy and shame is not only harmful to our health and relationships, but even more it hamstrings our ability to make much needed, positive changes. And in effect deadlocks our own personal recovery. The secret problems often seem too overwhelming to deal with outright. So my primary goal is to maintain this blog a shame-free zone: a home for mutual aid and support. </div>
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<br /></div>
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It is the self-isolating behaviors that come hand-in-hand with shame, that also needs our care and attention. Creating a home budget is one major tool that can help lead us out of the grip of despair. What can lead us out of the darkness of suffering alone is the other tool of sharing what we are doing with someone we know and trust- someone we can confide in. It is important not to do this work alone because letting down the veil of absolute privacy can be good for your health.<br />
<br />
I am going to probably end up repeating it many times on this blog, which is necessary to do because it is so vitally important and so often overlooked--- we are social animals-- we need each other more than we think. To function optimally, we need a healthy robust support network. We do not function well as isolated individuals maximizing our own self-interest. This is the myth of the 1%, if you will, and enough of us have bought into it that it almost seems real, but the shame we feel when we don't cut it is killing us. We need a supportive public life. We need a social support network, that is both deep and wide, to support us when things get strained at home, at work or in our neighborhood. This social safety net, what has been called Social Capital, may be the most important aspect in our health care. And it deeply depends on trust. Trust that we build together one step at a time. Likewise none of it happens if we remain in isolation and secrecy. This is a larger question to explore, but just for today we can feel moved and inspired to take our first step: start a home budget and tell a friend what we are doing. </div>
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-90719571431660748282012-09-15T18:32:00.000-07:002012-10-09T18:34:38.515-07:00Bookkeeping Can't Wait
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<b>Bookkeeping Can't
Wait- Oct 15th Tax Returns Due<o:p></o:p></b></div>
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<span style="color: #1a1a1a; font-family: Arial;">If you filed
for an 6 month extension your time is almost up.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;">Call or
visit our website if you want to set up a system that will increase your
clarity on your home budget or local business for greater peace of mind and
success.</span></div>
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<span style="color: #1a1a1a; font-family: Arial;"><br /></span></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;">Now located in the East Bay or thru Remote-Session everywhere.</span></div>
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</div>
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<br /></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;">Tye Kirk<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;">510-982-6433<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;"><a href="http://www.thegreenbookkeeper.com/"><span style="color: #0028e5;">www.TheGreenBookkeeper.com</span></a></span></div>
<br />
<!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-20040901157050687072012-08-12T18:45:00.000-07:002012-10-10T08:29:09.602-07:00Shame-Free Accountability<br />
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<b><span style="color: #1a1a1a; font-family: Arial;">Shame-free Accountability & </span></b><b><span style="color: #1a1a1a; font-family: Arial;">Bookkeeping</span></b><span style="color: #1a1a1a; font-family: Arial;">-- Reduce the time crunch & stress of not knowing what is happening in your business or home spending. Know your cash flow and follow your action plans to help sustain your business and maintain prudent reserves. </span></div>
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<span style="color: #1a1a1a; font-family: Arial;">You can stay on track with support that isn't shaming. There is no need to pummel yourself or get pummeled by anyone, especially a professional that you trust to be on-top of their responsibilities and helping you follow through on yours. </span></div>
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<span style="color: #1a1a1a; font-family: Arial;">What I am getting at is there is no "S" in team. No Shame, No Stress, No Slipping. I find the most effective way to work with my clients is through a teamwork approach that focuses on the fundamentals. Like the basic fundamentals, my high school basketball coach consistently instilled in us. With these fundamentals we need: clear expectations, clear roles and responsibilities, clear deadlines, persistant follow up on outstanding action items. Its the same in any healthy workplace or in any healthy home. Still it's never perfect. And all the while depends heavily on clear, honest communication and a commitment from both sides of the equation.</span><br />
<span style="color: #1a1a1a; font-family: Arial;"><br /></span>
<span style="color: #1a1a1a; font-family: Arial;">If you want the shame or the self-flagellation then that is something else. If you think it sounds too good to be true, but are ready and willing to try something new as the old way is no longer working then let's get going.</span><br />
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<span style="color: #1a1a1a; font-family: Arial;">Tye Kirk<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Arial;">510-982-6433<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="color: #1a1a1a; font-family: Arial;"><a href="http://www.thegreenbookkeeper.com/"><span style="color: #0028e5;">www.TheGreenBookkeeper.com</span></a></span><o:p></o:p></div>
<!--EndFragment--><br />Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-84921349869328901142012-07-12T18:20:00.000-07:002012-10-09T18:29:17.314-07:00Yelp Review from Oxygen Tango<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">Here is a Yelp Review Posted on 7/12/12 at <a href="http://www.yelp.com/biz/the-green-bookkeeper-oakland">Yelp-The-Green-Bookkeeper-Oakland</a>:</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">"I have been Tye Kirk's client, who runs The Green Bookkeeper, for a few years now (I think 3 at least) and it has been a great positive journey. </span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">Tye is very diligent. He takes care of details very fast and with great precision. He has always looked after what I needed so that all my bookkeeping is in order. He communicates with, and takes care of whatever my accountant needs to do her work, is self ignited, and has an absolutely heartfelt and honest character. </span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">He has always been totally willing to help me with many things - setting up reminders and reminding me about deadlines and filing details, brainstorming about finding the best categories for items in my monthly income statement (P+L) he helped create a cash variance report and a budget report that I can use on a monthly basis to monitor and read my business. He delivers also a monthly balance sheet. And many more things - long-term thinking, dealing with my bank etc.</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">As a human being he is a delight to work with. He is easy going and has good advise. This does not take away my responsibility to make sure I know what I want in order to be able to "read" my business in the way I need it. </span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">If you decide to work with him (or any bookkeeper that is) you'll have to ignite that part. Tye can do it if you deliver on your part. It is a business relationship and I as a client need to feed in equally.</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">He recently relocated to the Bay area with this number 510.982.6433.</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">Remote work works well for me with Tye.</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">Thanks to skype I can communicate with him at ease and directly and every week and every month I know what the numbers are in my business.</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">So in other words I can only give him a 5 star rating.</span><br />
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<span style="background-color: white; color: #444444; font-family: arial, 'Lucida Grande', 'Bitstream Vera Sans', verdana, sans-serif; font-size: 12px; line-height: 16px;">Great work Tye. Thank you."</span><br />
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<span style="color: #444444; font-family: arial, Lucida Grande, Bitstream Vera Sans, verdana, sans-serif;"><span style="font-size: 12px; line-height: 16px;">Stefan F.</span></span><br />
<span style="color: #444444; font-family: arial, Lucida Grande, Bitstream Vera Sans, verdana, sans-serif;"><span style="font-size: 12px; line-height: 16px;">Oxygen Tango</span></span><br />
<span style="color: #444444; font-family: arial, Lucida Grande, Bitstream Vera Sans, verdana, sans-serif;"><span style="font-size: 12px; line-height: 16px;"><a href="http://www.oxygentango.com/">http://www.oxygentango.com/</a></span></span>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-66075375261701935502012-05-13T09:12:00.000-07:002012-10-10T09:51:51.195-07:00A Workplace You Could Love<!--StartFragment--> <br />
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<b>What do you hate most about your job?</b></div>
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The pay. The patronizing air among the higher-ups. The powerlessness day in and day out. The bureaucratic red tape. The vacuum into which your creative ideas disappear. The politics, double standards, threats, innuendos and misinformation. The discrimination. Executive bonuses during staff layoffs, reduced time, & pay cuts. No say as the plans, handed down to you, change with the wind. The environmental and social responsibility is tweeted lip service for PR and website hits. The known, harmful side-effects of the new product line. The cooked books. The anonymous absentee owners. Your life, friends, wife/husband, children -- drifting ever further away.</div>
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<b>What if it could all be different?</b></div>
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Work like you always dreamed it could be... But you’d have to work hard, take total responsibility, fulfill hundreds of continuing educational credits, train tirelessly in communication, mediation and conflict resolution, step up and see your creative ideas through to completion, open your heart to your coworkers, work as a team, take strong stances on your beliefs, values and morals.</div>
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Imagine working in a medium sized firm where staff size is capped at 500 to ensure everyone can know each other personally. Each member owns an equal share in the company. Profits are shared equally. Top managers only make 4 x’s what the lowest paid worker makes. Everyone has an equal voice that is heard on every decision that concerns you, made within a transparent one member-one vote structure. Creative input is actively sought and rewarded. Changes are taken in stride as everyone is consulted when dire economic conditions call for prudent decision making. </div>
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<b>What is a Cooperative Enterprise? </b></div>
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This structure, though pretty atypical for the vast majority of jobs and workplaces in the so-called developed and developing countries of the world, has many successful models often times out competing their top-down corporate counterparts in the global marketplace. Democratic governance is commonly are practiced in Cooperative Enterprises around the world from Italy to Japan to India, from Canada to South America. Arguably the most prominent and successful is the Mondragon Cooperative Model located in the Basque States of Spain. </div>
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Cooperatives, co-ops for short, are an organization or group of organizations-- for profit or not, that willingly choose to associate together in the spirit of common cause, as well as self-interest for our immediate needs. They could be service or product based factories, housing, credit unions/public banking, agricultural, you name it.</div>
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<b>Idealism meets pragmatic </b></div>
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This is where the rubber hits the road. Cooperatives walk a tightrope, balancing economic realities with their social mission; product development with community values; and hard work with profound moral principles. Furthermore, they embody these values by building them into their organizational structure and decision making. Practicing their values of democracy, mutual self-help and care, makes it that much more tangible and real. I firmly believe that a true democracy at the national level depends on our daily practicing of democratic decision making and honing the 1000 subtle skills required to make democracy work from workplace to home to town hall. Workplace democracy is one of those places we practice under real life circumstances and daily pressures. </div>
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What I am most curious about is how one modality plays a complementary role to the other. The strengths in one compensates for the weak areas. What the corporate top-down model neglects in relating to people as humans, the humanistic model neglects in building competitive advantage and market penetration. And how both models can suppress entrepreneurial ingenuity. We need both. Neither is better-than, neither will ever become obsolete. We can take the good, leave the bad and learn the lessons each offer. This blending approach can not be quickly dismissed and marginalized, because we are both right and have something greater to discover together.</div>
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<!--EndFragment--> Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-57631201791869927822011-11-23T08:34:00.000-08:002012-10-30T08:35:45.638-07:00Vote Often Vote Early- Coop Credit Union<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-2HW8cXRsR0M/UI_yb-HcC2I/AAAAAAAAAGY/6eXPCf9DnLU/s1600/CCFCUslaye2012flier+JPEG150.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://4.bp.blogspot.com/-2HW8cXRsR0M/UI_yb-HcC2I/AAAAAAAAAGY/6eXPCf9DnLU/s320/CCFCUslaye2012flier+JPEG150.jpg" width="247" /></a></div>
If you are a member of the <a href="http://www.coopfcu.org/about-us/about-us.html" target="_blank">Cooperative Center Federal Credit Union</a> please consider voting for Tim, Mike and Tye. We are running together to bring a focus on local business creation, especially worker cooperatives, which help create stable jobs that won't outsource and leave the community when we need them most.Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-38157940691876974812011-05-16T09:55:00.000-07:002011-05-16T12:01:12.252-07:00Going Green- It's More Than You Think<!--StartFragment--> <p class="MsoNormal"><!--StartFragment--> </p><p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span class="Apple-style-span" style="font-size:-webkit-xxx-large;"> <!--StartFragment--> </span></p><p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><!--StartFragment--> </p><p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">Going green is so much more than just thinking & doing.<o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">The green movement, most of the time, comes off on a very superficial level that does very little good and actually undermines the well-intentioned goal.<o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><i><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">Going Green</span></i><span style="font-family:Georgia;mso-bidi-font-family:Georgia;"> typically means, adopting a set of practices or lifestyle choices that consider the environmental impact of those actions. This includes making better choices of what products to buy, car pooling, and planting a tree. In a nutshell, Do this and that and you can save the Earth.<o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">But what is this really? A new corporate branding, a clever marketing scheme, a naïve idealism, a momentary reprieve of guilt and gluttony, or an oversimplification to make sense of a daunting reality. Well, it can be a lot of things, but none of it is helping.<o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">These sets of practices pastiche over the old sets of practices to save paper, cut down less trees and pollute less of the environment. Meanwhile, we continue our hurried, over- scheduled and under-appreciated lives. If we have time we add recycling to our to do list of things we should do. ‘Should’ and there is the rub, the well-intentioned act now becomes an obligation, a busied compulsion. And guilt pops up again polluting our dreams and aspirations, as dirty and murky, as our rivers and seas. <o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">Somewhere deep down inside us is a restless soul haunting our own lives, a ghost in the machine, beckoning for deep fulfillment, wanting nothing less than a cup runneth over, vibrant dynamic life out in the world with people and nature. No compensatory purchases, no coping mechanisms, no sell out. No membership fees or fine print legalese. Not separate and equal, but together intermixing our dreams, raw and open, ripe with potential. This to me is the true Green Movement- embodied and alive- singing and dancing, living out our life’s purpose in touch with all life. <o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">And truth is this fully open living and loving is often paralyzingly scary--true freedom is, otherwise we’d all be living it by now.<o:p></o:p></span></p> <p class="MsoNormal" style="margin-bottom:16.0pt;mso-pagination:none;mso-layout-grid-align: none;text-autospace:none"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">But as we give and receive the courage to open our hearts, so too shall the people around us. As we heal, so too shall the planet. If we were fully actualized, living the beautiful life we love, we would leave the job we hated, cut all the needless expenses and penchant prideful indulgences and not allow the clear-cutting of a rainforest. There’d be no need, no room for it. We would come home and love our spouse and kids and undoubtedly shine radiantly for them. The showering of limitless love and tenderness would be enough. Each of our own desperate measures to make a quick buck would cease. Gazing deeply into each other’s eyes we would know. We would stand in our mature paternal instincts and stop these 'kids' from running amok in our world and resolutely declare “ENOUGH.”<o:p></o:p></span></p> <p class="MsoNormal"><span style="font-family:Georgia;mso-bidi-font-family:Georgia;">Don’t get me wrong, the bulldozing of our rainforests, natural gas fracking, deepwater drilling, outsourced overseas smoke stacks, and the contamination of our precious water supplies are devastations, deluging Mother Earth’s ability to heal Herself. These are systemic problems that require systemic solutions-- <i>Systems Thinking</i> approaches. Just as our own immune system becomes overburdened and overstressed, we too must not suppress the planet's symptoms with teaspoon after teaspoon of cold medicine, but rather respond to the root cause before the recurring coughs and colds crescendo into an incurable disease. <o:p></o:p></span></p> <!--EndFragment--> <p></p> <!--EndFragment--> <p></p> <!--EndFragment--> <p></p> <!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com1tag:blogger.com,1999:blog-1071862897633318513.post-27973040822315264322011-04-15T18:57:00.000-07:002011-04-15T18:57:19.319-07:00GE Responds to Public Outcry – Will Donate Entire $3.2 Billion Tax Refund to Help offset Cuts and Save American Jobs : Press Releases : News : GE<a href="http://www.genewscenters.com/Press-Releases/GE-Responds-to-Public-Outcry.html">GE Responds to Public Outcry – Will Donate Entire $3.2 Billion Tax Refund to Help offset Cuts and Save American Jobs : Press Releases : News : GE</a>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-1222004464099173692011-04-14T09:14:00.000-07:002011-04-19T09:18:53.841-07:00Do you need to file an extension for taxes?<!--StartFragment--> <p class="MsoNormal">Have you been scrambling to get everything else in your life done, but have been putting off filing your taxes? </p> <p class="MsoNormal">Below are the links for CA state and federal and a brief explanation of the consequences if you don't apply for an extension.</p> <p class="MsoNormal">Links: <o:p></o:p></p> <p class="MsoNormal">http://www.irs.gov/pub/irs-pdf/f4868.pdf <o:p></o:p></p> <p class="MsoNormal">http://www.ftb.ca.gov/forms/2010/10_3519.pdf</p><p class="MsoNormal"><br /></p> <p class="MsoNormal">Fill out the extension form with the pertinent information Name, Address, SSN, etc. This will give you a 6 month extension to file your tax returns. You still need to pay now or you will be charged interest on the amount that you still owe. These forms extend the period you have to file the paper work. </p> <p class="MsoNormal">If you know you owe and send the estimated payment in with the form. If you don't pay April 15th you will be charged interest on what you haven't paid.</p> <p class="MsoNormal">Hope this explanation helps. <o:p></o:p></p> <p class="MsoNormal">Tye Kirk</p> <p class="MsoNormal">info@thegreenbookkeeper.com<o:p></o:p></p> <p class="MsoNormal">www.TheGreenBookkeeper.com<o:p></o:p></p> <!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-12374301287361637372011-03-03T20:23:00.000-08:002011-03-05T11:25:18.996-08:00The Money Fast<span class="Apple-style-span" style=" ;font-family:Helvetica;font-size:medium;">So, how is it going with starting a budget? and t</span><span class="Apple-style-span" style=" ;font-family:Helvetica;font-size:medium;">racking what you spend?</span><div style="font-family: Helvetica; font-size: medium; "><br /><div>Recently, I've had some huge breakthrough's with my budget and i think sharing them could help all of us.</div><div><br /></div><div>Last weekend I did what i would call a "Money Fast". My goal was to keep from going over budget for February and since it was the end of the month and i was soooo close (and a little obsessive!), I decided to not spend anything from Friday-Tuesday. It was amazing!!</div><div><br /></div><div>I cooked at home, read a book, went to a free spiritual talk, meditated, went for a walk, ate what i already had in the fridge, had potluck at a friend's house and watched a netflix.</div><div><br /></div><div>And it worked. </div><div><br /></div><div>As always, these excercise are fertile ground for learnings, awareness, and deepening...</div><div><ul><li>I realized i could go a weekend without spending a dime.</li><li>I realized that there are times when i spend money to make myself feel better and not indulging this reflex weakens its power and actually loving this "devil", hearing it and thanking it seems to be what it needs most.</li><li>I further realized that spending money is not necessary for fun, intimacy or romance.</li><li>I realized more ways to live simply and have BIG fun.</li></ul>Obviously, if you are in a relationship, this is not something you can do on your own. It does impact the other. Your lives are intertwined in magical wonderful ways and money is a part of it. If you are single I guess you could hide away easily and watch what you spend, but i recommend the opposite. Open up let people in. So what if you don't have much to spend! Guess what, there are a lot of us in that same boat. Through being honest and opening my life up to my friends we are all the more closer. I felt an empowering partnership with my girlfriend when I chose to communicate and enroll her in joining me on the Money Fast.</div><div><br /></div><div>The biggest gift of all, I realized that being tight with money does not create what psuedo-spiritual, new agers claim "focusing on the problem creates more of the problem". Actually, the Money Fast had the opposite effect. After living on a tight budget for a month at the end of the month I felt rich, abundant or whatever you want to call it. I had money leftover to do what is most important.</div><div><br /></div><div>I wasn't living in scarcity or feeling like the cup is half empty... afterwards I saw my bank account and it dawned on me WOW! i have all of this leftover for my life goals & dreams- paying down my school debt & saving for a trip abroad!!! </div><div><br /></div><div>Don't get me wrong, it was challenging throughout the month and this weekend. And many deep-seeded, difficult emotions came up, but it was good to observe them and move through it and really feel what was there.</div><div><br /></div><div>This is a bit of a paradox: Expansiveness from Contraction... and a buzz kill for people who think that they just focus on making more money to solve their overspending problems. (Under-earning and overspending are two separate issues that require totally different approaches.) Budgeting is a good dose of reality for people who are stuck in magical thinking... no judgment, i have been there too. Sometimes its hard as hell to look at this stuff, but to look at it everyday is soooo vital to moving through the muck.</div><div><br /></div><div>May we grow and realize we are strength and beauty together...</div></div>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-28168589189190337792011-03-02T16:51:00.000-08:002011-03-02T17:56:59.595-08:00Giving Up My Cell Phone<span class="Apple-style-span" style=" color: rgb(51, 51, 51); line-height: 20px; font-size:13px;"><p class="MsoNormal"><span class="Apple-style-span" style=" ;font-family:Helvetica;">Work-in-progress...</span></p><p class="MsoNormal"><span class="Apple-style-span" style=" ;font-family:Helvetica;">More to Come</span></p></span>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-37797194534466565912011-03-02T16:46:00.000-08:002011-03-02T16:51:01.335-08:00Giving Up My Cell Phone<!--StartFragment--> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span class="Apple-style-span" style="font-family: Helvetica; ">I have made a personal decision to empower intimacy and presence while taking another step in simplifying my life.</span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span style="font-family:Helvetica;mso-bidi-font-family: Helvetica">I felt the urgency as texts, emails, and web pulling me in each and every direction. <o:p></o:p></span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span style="font-family:Helvetica;mso-bidi-font-family: Helvetica">Now i am committed to be present with the one I am with whether they are clients, family, friends or my brothers. I am committed to respond with 24 hrs. </span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span style="font-family:Helvetica;mso-bidi-font-family: Helvetica">Not having a cell phone now emboldens me to plan ahead and prepare for the day. This I also ask of you, when the need arises, reach out to me as soon as you can... to avoid "Last Minute" Situations.<o:p></o:p></span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span style="font-family:Helvetica;mso-bidi-font-family: Helvetica">I now only have a landline. <o:p></o:p></span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span class="Apple-style-span" style="font-family: Helvetica; ">I will check voice mail daily- and check email at 9am, noon, & 4pm.</span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span style="font-family:Helvetica;mso-bidi-font-family: Helvetica">Best in growing, expanding and realizing our full potentials together, <o:p></o:p></span></p> <p class="MsoNormal" style="mso-pagination:none;mso-layout-grid-align:none; text-autospace:none"><span style="font-family:Helvetica;mso-bidi-font-family: Helvetica"><o:p> </o:p></span></p> <span style="font-size:12.0pt;font-family:Helvetica;mso-fareast-font-family: "MS 明朝";mso-fareast-theme-font:minor-fareast;mso-bidi-font-family:Helvetica; mso-ansi-language:EN-US;mso-fareast-language:EN-US;mso-bidi-language:AR-SA">Tye Kirk</span><!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-19140172836773927392011-02-16T08:55:00.000-08:002011-02-16T12:51:45.745-08:0030 Day CompletionContinuing in my commitment to transparency, I want to share the results of my own 30 days of tracking what i spent. Both as a learning tool of the technical aspects of coming into balance with your spending, but also I share this to inspire greater openness and freedom in others through letting go of my fear and shame over my personal finances. <div><br /></div><div>So after 30 days of tracking what i spent, was it helpful? was it worth the daily effort?<div><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 400px; height: 163px;" src="http://1.bp.blogspot.com/-RbCyvCR1rs4/TVwRLRblatI/AAAAAAAAACo/fpokgNsyQkM/s400/Screen%2Bshot%2B2011-02-16%2Bat%2B9.56.10%2BAM.png" border="0" alt="" id="BLOGGER_PHOTO_ID_5574349324133165778" /><div><br /></div><div>Well.... I would say without it I wouldn't have taken the steps that I have, such as:</div><div><br /></div><div>1) Cut needless spending </div><div>2) Invested $1,100 in a 2nd laptop for my business</div><div>3) Saved $1000 for our trip to Spain</div><div>4) Paid down school loan $911</div><div><br /></div><div>Bottom line though, I spent more than I made: </div><div>($4,875 - $5,069= -$194). </div><div><br /></div><div>Yes, I accomplished a lot with saving money and the investment in my business directly helped me earn more this month, but I did spend more than I made. In effect, I took from my cash cushion for credit cards.</div><div><br /></div><div>There are tons of learnings I have gleaned from this exercise, at the same time, it is not helpful to get anal and neurotic over the minutia, nor head trip into self condemnation and judgment. Moving forward, I feel clearer and more able to make reasonable choices in line with my dreams and goals. </div><div><br /></div><div>Additionally, now I have the raw info to create a budget for the coming months in preparation for Spain. When I know my monthly averages, then I ask:</div><div><br /></div><div><div>Was this a typical month of income? </div><div>Was this a typical month of expenses? </div><div>Is there anything missing?</div><div><br /></div><div>These are some of the basic questions to ask when generating a Personal Balanced Budget. </div></div><div><br /></div><div>Probably the greatest reward has been intrinsic, as the program has inspired new ways of relating with money that I will continue to explore in the coming weeks, such as transcending past the numbers, past the quantification of life, from a place of scarcity, deprivation and over-control into a place of peace and organic flow in tune with natural laws. How can we move beyond the small self, individualistic way of living into an expansive, collective sense of self?</div><div><br /></div><div>I realized that a profound sense of peace comes from letting go and surrendering. Having a sense of what you're spending, assists this process, so that you are not letting go into a magical world, free-for-all of spending (if that has been your prior default), but rather are letting go in-tune with your actions and choices, seeing their inter-relationship with everything else. <i>What is absolutely essential is feeling more of what you are doing. </i>Everyday, throughout the day. We need more gateways into a deeper felt-sense of ourselves and each other. It is what we are hardwired for.</div><div><br /></div><div>In my life, I want more connection, community, collective support and intimacy-- less techno-babble, gizmos, expert consultants and quick fixes. The first group is free and deeply enriching-- the second costs $1,000's and has left me feeling empty and craving more. </div><div><br /></div><div>Namaste</div></div></div>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-8193664810068496632011-02-01T12:22:00.000-08:002011-02-01T13:21:19.311-08:00After 30 days...<div><div style="font-family: Helvetica; font-size: medium; ">How did it go? This has been a creatively explosive month for me. The exercise has helped me be conscious with what i am doing with my money, but even more it has taken me to a whole-other level as it has helped me re-evaluate where i put my time and energy in my life.</div><div style="font-family: Helvetica; font-size: medium; "><br /></div><div style="font-family: Helvetica; font-size: medium; ">I see a new door opening for myself and my work- one that is directly helping people take stock of their lives and helps people who want to make a change, simplify and quit all the stuff that is no longer fulfilling. </div><div style="font-family: Helvetica; font-size: medium; "><br /></div><div style="font-family: Helvetica; font-size: medium; ">Imagine a life rich in relationship, abundant with quality of Life, where our baseline of fear, worry and doubt drops away, and it's all here already...</div><div style="font-family: Helvetica; font-size: medium; "><br /></div><div style="font-family: Helvetica; font-size: medium; "><br /><div id="AppleMailSignature"><span class="Apple-style-span" style="border-collapse: separate; color: rgb(0, 0, 0); font-family: Helvetica; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; "><div><div>Tye Kirk</div><div><i>Live Beyond the Numbers!</i></div></div></span></div></div></div>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0tag:blogger.com,1999:blog-1071862897633318513.post-42047968220138852222011-01-09T10:45:00.000-08:002011-01-09T12:01:27.758-08:0030-Day Challenge: Update 1/9<p class="MsoNormal">I deeply respect other get out of debt way-showers who have demonstrated a high principle of openness and transparency, such as Man vs. Debt's <a href="http://manvsdebt.com/finances/">Radical Financial Transparency</a>. I found his example to be both inspiring and an invaluable great learning tool.</p><p class="MsoNormal">So... after my first 3 days of “Logging What I Spent”:</p><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 400px; height: 237px;" src="http://2.bp.blogspot.com/_xMpXftaJpOQ/TSoGh-eaWUI/AAAAAAAAACM/C8fISwhI_t8/s400/Screen%2Bshot%2B2011-01-09%2Bat%2B10.23.43%2BAM.png" border="0" alt="" id="BLOGGER_PHOTO_ID_5560263870718302530" /> <p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal"><br /></p><p class="MsoNormal">I observed myself spending less on groceries this weekend. I checked my bank balance before i went to the store and estimated what i could spend. Knowing i would get paid on Monday, I decided to hold off on buying the extras that i love but are not a necessity. This way i could keep a comfortable cushion in my bank account. It felt quite empowering to be consciously checking before spending!!!</p> <p class="MsoNormal">Also I noticed at the beginning of the month with rent and utilities there are more expenses then income, seeing this also helped me to slow my spending on non-essentials.</p> <p class="MsoNormal">I encourage others on the program to post your comments on your awarenesses, observations, learnings, wins, challenges or anything else you want to share or ask.</p> <p class="MsoNormal">Maintaining a neutral place within while watching your actions will help you make more self-empowering choices and help you move out of negative habits sooner and ease-fully. <i>You can make mistakes and learn from them without beating yourself up about it!!<o:p></o:p></i></p> <!--EndFragment-->Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com1tag:blogger.com,1999:blog-1071862897633318513.post-25432923682498747842011-01-06T20:02:00.000-08:002011-01-09T14:51:21.148-08:0030 Day CHALLENGE- Log What You Spent<p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">In the spirit of transforming in the New Year, I propose a challenge to everyone who wants to partake…</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">In the spirit of making a difference in our lives and in our world, for the next 30-days let's track our daily expenses vs. income and calculate the net for the month…</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">This is a practice of bringing heightened awareness to how you are relating to the money you already have, so that we know definitively what we are doing, observe the trends/habits/addictions, and move into a balanced budget where we begin touching our dreams. </p> <img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 400px; height: 239px;" src="http://3.bp.blogspot.com/_xMpXftaJpOQ/TSo7qt_wNuI/AAAAAAAAACU/1B7sed2o3hY/s400/Screen%2Bshot%2B2011-01-09%2Bat%2B10.22.48%2BAM.png" border="0" alt="" id="BLOGGER_PHOTO_ID_5560322295029839586" /><p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">1. Every day write down in a log, excel spreadsheet or quicken what you spent money on and what you made (when applicable).</p><p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">2. Determine whether you are positive or negative</p><p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">3. Check off the days on a calendar</p><p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">4. Email me (or post a comment) each week as your progress, hit snags, rough patches. The trick is to keep picking yourself back up.</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">Tips: you can keep a little note pad or keep your receipts so you can remind yourself at the end of the day what you spent. Don't take it too seriously, have fun!, watch what shows up. Invite a friend to do this with you or share this with them and ask them to hold you accountable. </p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233"><i>Honoring your commitments to your self is ground zero for so many things in life. Personal Integrity is the life spring of lasting peace and joy!</i></p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">If you want a sample spreadsheet and/or financial sobriety worksheet email me at: info@thegreenbookkeeper.com</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">If you have any other tips or questions please email or post as a comment on the blog.</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">This can work for your personal finances and/or your business to bring you into greater awareness and transition you into making conscious choices that better serve your higher goals, dreams, family, community and on outward.</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">The greatest need in our financial system is oversight and accountability and that starts from the bottom up. We can make more with less, live brighter lives more simply, together, free of all the poor habits that no longer serves us.</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">Blessings ahead… Tye Kirk</p> <p style="margin: 0.0px 0.0px 12.0px 0.0px; line-height: 18.0px; font: 12.0px Verdana; color: #333233">PS. One of the greatest obstacles is the rationalization/misbelief that we will start saving when we get more money. As reported in<a href="http://en.wikipedia.org/wiki/The_Millionaire_Next_Door"> The Millionaire Next Door</a> by Thomas Stanley- that rarely ever happens. Start today with what you already have and build the habits and practices that lift you out of this what Paul Krugman recently referred to as <a href="http://www.nytimes.com/2011/01/03/opinion/03krugman.html?_r=1&ref=columnists">"Deep Hole Economics"</a>. </p>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com3tag:blogger.com,1999:blog-1071862897633318513.post-78334581626313609182010-10-05T09:26:00.000-07:002010-10-05T12:27:46.900-07:00DEAD-Lines October 15/31, tick, tick, tick~LIVE~!Are you walking the line? Did you forget something?<br /><br /><div class="MsoNormal" style="font-family: Helvetica; font-size: medium; ">Below are important deadlines, but there is so much more waiting, ready- when you are. This is a busy month AND you can't afford to put off getting your life on track--(NOT ANOTHER SECOND). Don’t get stuck using 2011 income to pay 2010 taxes. Worst of all, if you wait, you prolong the deadening swirl of unknown, gripping fear, and lurking despair-- a mess toeing disaster... Well, here is a shining ray of Green Light for you and/or your business. </div><div class="MsoNormal" style="font-family: Helvetica; font-size: medium; "><i><br /></i></div><div class="MsoNormal" style="font-family: Helvetica; font-size: medium; "><i>It takes a systematic approach to move from mess to Success & missing deadlines to Making Headlines.</i> </div><ul><li><span style="font-weight:bold;">6 Month Tax Extensions</span> October 15, 2010. Final Deadline to file 2009 Individual Income Tax Returns (with extension)</li><li><span style="font-weight:bold;">Sales Tax Liability </span>October 31, 2010. Sales Tax Payments due for businesses.</li><li><span style="font-weight:bold;">Employer Tax</span> October 31, 2010. Payments are due October 31st</li><li><span style="font-weight:bold;">Quarterly Estimated Tax Payments</span> for 2010 Income Tax are due Apr 15, Jun 15, Sept 15, Jan 15</li></ul><br /><div>First deadline, your 2009 Income Tax Return (with extension) is due and you are at risk of paying penalties and interest if you miss this deadline.</div><div><br /></div><div>Second deadline, I suggest paying Quarterly Sales and Use Tax Payments online at: </div><div><br /><div>https://efile.boe.ca.gov/boe/express_login_code.jsp<br /><img style="float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 200px; height: 160px;" src="http://3.bp.blogspot.com/_xMpXftaJpOQ/TKtcNBt9njI/AAAAAAAAABg/pbWduk9Thk8/s200/Screen+shot+2010-10-05+at+10.10.10+AM.png" border="0" alt="" id="BLOGGER_PHOTO_ID_5524610746769317426" /></div><div><br /></div><div>It's quick and easy. All you need is your express login # off the form they mail out and the quarterly info from your income statement. Remember to print a copy/save the pdf.</div><div><br /></div><div>Thirdly, for Employer Tax you need the 941-V, Payment Voucher, DE-6 Quarterly Wage and Withholding Report (California), and DE-88 Payroll Tax Deposit (California)</div><div><br /></div><img style="float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 200px; height: 95px;" src="http://2.bp.blogspot.com/_xMpXftaJpOQ/TKtfYa_vGSI/AAAAAAAAABo/l32kUG4tbfA/s200/Screen+shot+2010-10-05+at+10.23.28+AM.png" border="0" alt="" id="BLOGGER_PHOTO_ID_5524614241068194082" /><div>Fourth deadline, if you make self employed income you may need to make quarterly payments to avoid owing big come April 15th. Use the 1040-ES & 540-ES Voucher (California)</div><div><br /></div><div>http://www.irs.gov/pub/irs-pdf/f1040es.pdf</div><div>http://www.ftb.ca.gov/forms/02_forms/02_540es.pdf</div><div><br /></div><div>Plan ahead, budget now, so you can Green Light Your Dreams...</div></div><div><br /></div><div><div>Tye Kirk</div><div>Know your Numbers, Live Rich!</div><div>310-922-4419</div><div>info@TheGreenBookkeeper.com</div><div>www.TheGreenBookkeeper.com</div></div>Tye Kirkhttp://www.blogger.com/profile/05160983603078159710noreply@blogger.com0