Dave Ramsey

Juggling the Demands of a CPA & Family

business advice, book keeping, quickbooks consulting, new business owners Vero Beach Who among us does not know of a CPA or Tax Accountant whom you never see from December to April 16th? In our firm many of us have families and during Tax Season it is extremely difficult to carve out the kind of family time  we would normally have the remainder of the year. From Accounting Today, a post written by CARL ALLEGRETTI hit a nerve with me. Not all of you reading this will be accountants, but man or woman, Mom or Dad, we all have those times when work gets busy and it is difficult to balance the demands of work and the time we need with our families and children.

1. Set thoughtful priorities: As busy season comes around, your time becomes more and more precious as client work increases and deadlines need to be met. With all the demands on your time, something has to give. Focus on setting thoughtful priorities—both at work and in your personal life.

To find the right balance, I look closely at what my top priorities are in and out of the office. For me, family comes first. In order to find the time to coach and attend my sons’ sporting events, I stopped playing golf because I couldn’t justify the amount of time on the course.

2. Plan ahead: Many of us are great at planning when it comes to work. We have a laid out plan for all the things we want to get done. This approach becomes all the more important during busy season.

Don’t forget to also plan for personal time, which isn’t always easy given your professional demands. With careful planning, anything is possible—and that includes using your vacation time before and after peak periods of work. Like an elite athlete, we all must rest, recuperate and reenergize during the year.

I found that when I acknowledged that my personal life was as big a priority to me as my career, it became much easier to effectively plan my life outside the office. I now schedule my calendar up to a year in advance to make sure my personal and professional priorities are locked in.

3. Personal health: Taking care of yourself should be a big priority. If you are not healthy, juggling multiple tasks can become difficult. Getting enough sleep, eating right and keeping active are important in managing stress. The number one way to train the brain is physical exercise, and studies have repeatedly shown that physical activity keeps your brain healthier and stronger.”

Take the time to make a plan for your busy time. Don’t forget to carve out some time for your family and yourself no matter how busy things get.

Pete DiSalvo

CPA

Melbourne - Titusville - VeroBeach - Certified Public Accountant

 

Quickbooks

book keeping, QuickBooks, Book keepersIf you are a small to medium sized company and you use Quickbooks, we are betting that you could use some help with it. Let’s face it. The accounting parts of your business, any business, is what we are good at.

If you are selling goods, or services, you are not necessarily a personality type which loves accounting and bookkeeping. Am I right?

We can help with whatever aspect of QuickBooks you may be struggling with, on  all phases of the program for our existing clients on demand. Just like you, we want your books to be in good order as this makes our services more efficient and keeps fees down. Here are just some of the services we offer:

  • Reconciling your bank accounts in QuickBooks. An important part of keeping a proper set of books and assuring that no numerical errors have been made by you or your bank is balancing your checkbook at the end of the month (A/K/A reconciling your bank account).
  • Online banking set up and coordination with QuickBooks. If you would like to pay your bills online, QuickBooks can by synchronized with your bank account and automatically record your transactions.
  • Printing and customizing reports for your specific needs. Depending on the type of business you are running, you will want certain reports daily, weekly or monthly so you can oversee your operations.
  • Overseeing your bookkeeper. If you have a bookkeeper operating QuickBooks for you, we will oversee them to be sure he/she is entering transactions properly and be available to answer any questions your bookkeeper may have about your QuickBooks file.
  • Accounts receivable & invoicing. Depending on the type of business you are running, you may want to keep your Account Receivable on QuickBooks so you can track who owes you money.
  • Entering  payroll.

DiSalvo Accounting is here to help with any or all of your accounting needs, from QuickBooks to  accounting and tax planning needs of small business and individuals throughout the Space Coast and Treasure Coast.  We serve customers in Vero Beach, Melbourne and Titusville. If you don’t have a business yet, and are thinking about starting on, we can help you with that as well. Should you find yourself going through a dispute of some sort, we can also help with Forensic Accounting.

Stop by again!

DiSalvo & Company PA, Certified Public AccountantsMelbourne - Titusville - VeroBeach - Certified Public Accountant

 

 

 

Before You Start Your New Business!!!

business advice, book keeping, quickbooks consulting, new business owners Vero BeachStarting your own new business can be an exciting thing to do. Running your own new business is not always exciting. So listen up. BEFORE you start you new business, take a month to plan and put certain things in place.

Write a business plan, not necessarily a complex one, but one that outlines what you would hope to accomplish in the next two to three years. Put money in the budget for advertising and marketing, and for your accounting and bookkeeping needs.

Yes, you can do those things yourself, and no, most small business owners should NOT do their own book keeping and accounting. If you are an expert in marketing, I can almost guarantee that you are not someone who is going to relish spending time with receipts and payroll. So hire someone to do that and take that money away from your projected earnings right off the bat.

We offer a FREE consultation for those of you who are considering opening a business, or expanding your current business. Here are just a few of the things we help you with:

Choosing the right name for your new business.

Whether you should incorporate or not.

Partnership agreements

If you do incorporate, should it be in Florida, or in another state?

How to minimize your Taxes

What are the best banks for your business.

What payroll service is best, and what are the guidelines for a company such as yours?

If you are already using Quickbooks, and are frustrated with it, we can help with that as well.

DiSalvo and Company has locations serving clients from Vero Beach, Port St. Lucie, Palm Bay, Melbourne, Fort Pierce, Sebastian, Micco, Fellsmere, Titusville, Merritt Island, Cocoa, Viera and Rockledge, to St Lucie County, Martin County and Brevard County.

 

Melbourne - Titusville - VeroBeach - Certified Public Accountant

 

Dave Ramsey: Instilling Values in Teens.

Read this bit of Dave Ramsey wisdom at  Hudson Sun on-line.  I though you might enjoy it.

Dear Dave,

How do you make sure you don’t spoil your child when you’re wealthy?

Ryan

Dear Ryan,

I know this will sound mean to some people, but you simply explain to them that they are not wealthy.

I remember a time years ago, after we’d gone broke, that we managed to scrimp and save and finally had a little bit of wealth. We bought a nice car and my son piped up from the back seat, all smug and satisfied, “We’re doing pretty good, huh?” I’ll CPA, Melbourne, Titusville, Vero Beachadmit it was kind of funny, but it was also a teachable moment. I looked at him and said, “I’m doing pretty good, but you’re broke!” That was a pretty consistent message around the Ramsey household as the kids were growing up. If you’re not working and making your own way, you’ve got nothing.

The second thing is we taught them, from a very young age, was to work. That can start with simple things like kids cleaning up their rooms or doing the dishes after dinner. It should carry over to the teenage years as well. Every able-bodied child should be working and earning money, whether it’s their own entrepreneurial idea, at a store in the mall or babysitting.

The third thing we did was based in our faith. As evangelical Christians, we taught our kids that we don’t really own anything. It all belongs to God, and one of our jobs is to wisely manage the things He entrusts to us. The first rule is to take care of your own household — the important stuff. After that, it’s okay to have some nice things, but it’s not all about pleasure. It’s also about giving and extraordinary levels of generosity.

Teach them to work. Teach them to be givers. And gently remind them once in a while that they’ve got nothing until they go out and earn it.

— Dave

Pete DiSalvo, of DiSalvo and Company CPA, is designated by Dave Ramsey as an endorsed Local provider for tax and accounting services in Melbourne, Titusville, and Vero Beach, FL.  What does this mean to you.  Dave Ramsey selects only the best possible local resources to endorse.  You can be sure they will provide the same  excellent advice as Dave does, provide outstanding customer service, and have the heart of a teacher.

DiSalvo & Company, CPA in Vero Beach, Melbourne, and Titusville.

Disalvo CPA, a Dave Ramsey endorsed provider.DiSalvo And Company, P.A. is a Vero Beach based CPA firm that provides a wide variety of accounting, tax and financial management services. We are proud to be an endorsed provider of Tax Services by Dave Ramsey. We currently serve clients in Vero Beach, Port St. Lucie, Palm Bay, Melbourne, Fort Pierce, Sebastian, Micco, Fellsmere, Titusville, Merritt Island, Cocoa, Viera and Rockledge, and more.

We also serve clients in Indian River County, St. Lucie County, Martin County and Brevard County.