Friday, January 6, 2017

How Cloud Accounting Makes Tax Season a Breeze

With winter now in full force, many small-business owners face the annual challenges associated with tax season. While some still utilize outdated, poorly structured accounting systems, others are concerned about staying compliant with the ever-changing tax laws. These challenges snowball into one of the greatest disruptive forces: time. A survey performed by the National Small Business Association found that 40 percent of small businesses spend more than 80 hours per year filing their federal taxes. With almost half of small businesses devoting two full work weeks to this annual tradition, how can innovative entrepreneurs utilize cloud accounting to alleviate their tax-preparation struggles this upcoming season?

The Most Common Tax Concerns

For the majority of small-business owners, staying compliant is a major tax concern. According to the Taxpayer Advocate Service by the Internal Revenue Service (IRS), a total of 4,680 changes have been made to tax codes since 2001. That's an average of about one modification per day. Though you may have had a good grip on your taxes last year, those specifics may no longer apply.

The lack of an organized accounting system can also lead to problems, such as misplacing receipts and not properly recording payments made to independent contractors for 1099 preparation. Eventually, a disorganized system may have you questioning the total revenue received during the tax year, the amount you paid in estimated taxes, and if your tax deductions such as depreciation, payroll taxes, and employee benefits have been properly recorded.

Four Benefits of Cloud Accounting During Tax Season

The use of a cloud accounting system can take the uncertainty and guesswork out of your tax filing. When you are ready to begin your taxes, keep the following benefits of cloud-based accounting in mind:

Cloud accounting allows business owners to get organized and store all invoices, receipts, and customer deposits in one place. When these receipts and digital copies are tied directly to the transaction, your accountant is able to quickly validate and substantiate that transaction.

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The real-time nature of cloud accounting puts you in closer connection with your accountants and tax preparers. You can set yourself at ease knowing they have updated tax laws in mind and your most recent financial data in hand.

Data and financial reports can be readily accessed at anytime from anywhere with an Internet connection, which is an added bonus for teams that work remotely.
Many cloud-based accounting systems can pull immediate reports formatted for IRS tax law compliance. Because it is cloud-based, you don't need to download additional software updates to know you are getting the most recent report structure.

Most of the pressures associated with tax preparation come from being ill-prepared and uninformed. By using a cloud-based accounting system to properly manage your financial data, you may be able to regain some of that time lost each year to tax preparation. What would your small business do with an extra two profitable weeks of business this year?


Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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Thursday, January 5, 2017

Your Customers Have These 30 Needs. Are You Meeting Them?

New research identifies the 30 attributes driving consumer purchasing decisions.

You probably remember Maslow's hierarchy of needs from school--that model demonstrating our most basic needs (food, security, warmth, rest) at the bottom of the pyramid.

The higher up the pyramid, the more complex our needs. And without the fulfillment of our physiological and safety needs, we're unable to achieve love, belonging, esteem or self-actualization, at the top of the pyramid.

New research from Bain & Company, published in the September issue of Harvard Business Review, extends Maslow's hierarchy of needs by identifying 30 fundamental attributes they're calling "elements of value" that drive consumer decision making.

Their elements are divided into four categories--functional, emotional, life changing, and social impact--and explain the inward and outward-facing needs consumers seek to have met.

Understanding these needs is absolutely critical in sales and marketing. The more elements you can provide for, the greater your customers' loyalty, the researchers say.

For example, consumers have a great number of functional needs. They're looking for solutions that:

  • Save time
  • Simplify
  • Reduce risk
  • Organize
  • Provide sensory appeal
  • And reduce effort.

If those basic values aren't met, you're really going to struggle to make an emotional connection with values like reducing anxiety, making a consumer nostalgic, or being entertaining.

Bain & Company collaborated with an online sampling and data collection company for a survey of over 10,000 U.S. consumers about their perceptions of nearly 50 U.S.-based companies.

Their survey confirmed that companies that performed well on multiple elements of value ended up with more loyal customers than the others.

30 Elements of Value--Setting Realistic Expectations

Now, it's worth noting that you don't have to check each and every value off the list on every level in order to successfully meet your customers' needs. In fact, Apple did comparatively well in Bain & Company's research, but even they only scored high on 11 of the possible 30 elements.

As the researchers explain, "The elements of value pyramid is a heuristic model--practical rather than theoretically perfect--in which the most powerful forms of value live at the top. To be able to deliver on those higher-order elements, a company must provide at least some of the functional elements required by a particular product category."

It's important to choose which elements are worth your devotion carefully.

Check it out:

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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Wednesday, January 4, 2017

How big businesses get tax breaks meant for little guys

It's widely agreed that America's small businesses are worthy of support from the government. But in yet another perverse twist of the tax code, more than 100,000 "big" businesses reap billions in tax breaks designed to assist "small "companies, costing Uncle Sam hundreds of billions in tax revenue, according to the Center for American Progress.

The liberal think tank noted that these businesses each have annual revenue of more than $10 million and pay no corporate taxes. That's because they're organized as partnerships under "Subchapter S" of the tax code. That means taxes for these enterprises are "passed through" to their owners, who pay them through their individual returns.

So-called S Corps have surged from less than 25 percent of net business income in 1980 to more than half in 2012, the latest data available. Larger companies, such as those traded on the stock market are often organized under a different section of the tax code and are known as "C Corps."

"In fact, the United States is unique in this regard: No other country comes close to having such a large portion of business income that is not subject to the corporate income tax," according to the Center for American Progress.

Part of the problem is in defining "small businesses." According to the U.S. Small Business Administration, about 97 percent of all U.S. businesses are classified as "small," which means having 500 or fewer employees. The IRS defines small businesses as those with assets under $10 million.

"Indeed, several of the largest U.S. hedge funds are taxed as partnerships," the Center for American Progress said. "In part, because increasing numbers of businesses are adopting pass-through forms, the corporate income tax today contributes only about one-tenth of total tax revenues compared to one-third 60 years ago."

A recent study by economists from U.S. Treasury Department, the University of Chicago and The University of California, Berkeley, found that the growth of S-corps cost the federal government $790 billion in revenue from 2003 to 2012. To put that in perspective, it's more than double the size of Denmark's economy.

Owners of S-corporations pay federal individual income taxes (which have a top marginal rate of 39.6 percent), state and income taxes (as high as 13.3 percent) and are hit with limitations on deductions, which adds a 1.18 percent marginal tax rate, according to the Tax Foundation.

According to the National Federation of Independent Business (NFIB), about 75 percent of small-business owners in the U.S. are pass-through companies. A recent study from American Express found that the typical small-business owner earns about $67,000 a year.

"That's not a fat cat," said Jack Mozloom, an NFIB spokesman, adding that 90 percent of the organization's members have fewer than 20 employees. "I am sure there are corporations which are taking advantage of elements of the tax code to minimize their tax obligations," he said.

Mozloom said the NFIB supports taxing corporations and pass-throughs at the same rate.

Republican Presidential nominee Donald Trump has promised to provide tax relief to unincorporated small businesses and freelancers. Like many conservative economists, the former reality TV star wants to slash the 35 percent statutory corporate tax rate. His Democratic opponent, Hillary Clinton, has also promised to provide tax relief to small businesses, but she hasn't provided specifics.

The Center for American Progress wants an "entity-level" tax on these firms similar to the payments that "C corporations" make to the government. It also calls for policymakers to make sure the wealthy pay their "fair share" of taxes on pass-through income at the individual level.

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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Tuesday, January 3, 2017

What If You Have Unfiled Tax Returns?

It's common to rush at the last-mine to fill out tax returns. But then again, things are even worse when there is no filing at all.

Keep in mind that the failure-to-file penalty comes to 5% per month of the unpaid tax bill for a maximum of 25% (when you have an unfiled tax return, the IRS will send out letters, which have an assortment of code numbers like CP515, CP516, CP518 and CP515B). But there may also be penalties for not paying the tax. Oh, and more importantly, there is even the potential for criminal sanctions! The fine is up to $25,000 per year and the time in the slammer is as long as one year for each year you have an unfiled tax return.

Of course, there are various reasons for not filing. For example, one is where your business loses money. Hey, why go through the filing process when there is no taxes owed, right?

Well, you should still file. The reason is that you can apply your losses to future years -- or prior years -- when you make profits, which can help lower your tax bite. Something else: if you have lean years – which is certainly common for new businesses – then you may be eligible for certain tax credits that can put money in your pockets, like the Earned Income Tax Credit.

The irony is that you may have been entitled to refunds anyway. However, according to the rules, you can only go back for three tax years. In other words, you could potentially miss out on getting back money that you were entitled to.

No doubt, another situation regarding an unfiled tax return is when you owe money but somehow think the IRS will not figure this out. Granted, the agency can be glacially slow but it does eventually take action (this is often done by using sophisticated computer systems that match up filings, such as with forms like 1099’s). The IRS is particularly concerned with unfiled tax returns because the US tax system is based on the concept of voluntary reporting of income and deductions.

Now if you do receive a notice, it’s critical to be proactive. The IRS may not only seize your assets but even put together a tax return on your behalf – called a Substitute For Return or SFR -- that provides no advantages (you will get a measly one exemption as well as no deductions for your business). If you owe more than $25,000, you’ll also probably get a visit from a revenue officer.

All in all, it’s advisable to avoid the situation from getting to this point. Instead, the best approach is to file your returns before you get contacted by the IRS. Yet this does not necessarily mean you’ll expose yourself to criminal liability. The IRS policy is to encourage cooperation (criminal actions are very rare and usually involve activities that go well beyond your taxes, such as a major fraud scheme).

Although, it can certainly be tough to put together unfiled tax returns. You’ll need to find the right forms as well as get the necessary documentation about your income and deductions, such as with bank statements. Because of the complexities, the recommended approach is to get the help of a qualified tax professional, like a tax attorney, CPA or Enrolled Agent. Such a person will not only help with the process – which can involve plenty of paperwork and managing through the IRS bureaucracy -- but also find ways to deal with paying for your tax debt and perhaps even eliminating the penalties.

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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Monday, January 2, 2017

Never Make a Critical Business Decision Without Asking Your Customers First

Running a business sounds simple enough: All you have to do is create value for customers in a unique and meaningful way that generates profit.

To do that, you know you must first understand your customer. Entrepreneurs and small business owners who don’t consult with target customers to validate the demand for an idea, product, or service before launching one risk failure.

What you may not realize is that the same validation is needed when making critical decisions — even after your successful business is up and operating.

Customers: the lifeblood of any business

Each year, about 400,000 new businesses are created, but 470,000 shut down, according to the U.S. Census Bureau.

Businesses fail for many reasons, of course. But with 66 percent of customers switching to a new company because they were unhappy with a service and 82 percent saying the business could have done something to retain them, customer satisfaction is a major factor.

This is why you should regularly assess your customers’ satisfaction, opinions, and loyalty and use those factors to help navigate your decision-making process. Many tools exist for gathering customer feedback, but market research — done correctly — is one of the most effective.

Getting to know your customer

Market research provides insight into your most valuable asset — your customer — allowing you to make precise and reliable decisions in several ways.

First, it helps you understand both your customer and your competition. It also identifies the level of interest in a product or service and what customers are willing to pay for it, effectively guiding the messaging needed to reach your target market.

Key steps in market research include:

  • Choosing the questions that get the information you want.
  • Figuring out what kind of data is needed.
  • Determining how to collect information.
  • Deciding how to analyze the information.
  • Developing a plan for using that information.

Successful research and development, product management, branding, pricing, and marketing — all core business functions — depend on customer insight. And great entrepreneurial leaders in today’s ultracompetitive marketplace leverage this information to foster essential innovation.

Why market research works

Entrepreneurs begin with a vision. Market research can affirm the strength of that vision or identify needed tweaks; the success of an idea hinges on a firm understanding of customers’ buying behaviors — the functional, economic, and emotional reasons that customers make purchases. These insights shape product development, marketing, and the ways businesses reach target customers.

You need to know how and where a product fits within a market, what your customer expects, product and market strengths and weaknesses, and what kinds of similar products already exist. This information is impossible to intuit without performing market research.

Market research also helps you develop a cost plan (e.g., pricing models, investments, and resources) and create a marketing strategy (e.g., types of campaigns and channels, how to reach customers, and how to deal with competitors’ reactions).

A good example of business owners putting this into practice involves Kevin Systrom and Mike Krieger, founders of a locational iPhone app called Burbn. After spending a year developing Burbn and releasing it, the pair re-evaluated the market and identified some issues with their product — it had too many features and seemed cluttered, making it difficult to compete with market giant Foursquare.

Systrom and Krieger chose to remove many of the features, except for photos, commenting, and liking, and rebrand their app as Instagram. Only by examining the market, customers, and competitors did they find their way onto that new, incredibly successful path.

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4 paths to quick, affordable market research

Many entrepreneurs incorrectly believe conducting market research is too time-consuming, too expensive, and too intimidating. However, today’s digital world provides several quick and affordable ways to gather information to help you make smart business decisions.

Here are four methods small business owners and entrepreneurs can use to gauge customer sentiment through market research.

#1. Focus groups

Focus groups capture in-depth, qualitative feedback, but they come with a few challenges. Focus groups take time to organize, and they require an experienced moderator to avoid bias and keep the conversation focused.

Bias is a focus group caveat, which makes selecting a qualified moderator so important. Experienced moderators know how to ask questions to gather data while eliminating bias. Qualitative research depends on valid and reliable data. If bias exists in a focus group, the results will be skewed, potentially swaying your business decisions in the wrong direction.

If you choose to organize a focus group, asking 8-10 questions would be ideal, but definitely limit the number to a maximum of 12. And be sure to over invite to ensure an adequate number participate, as 10-20 percent of those invited will, on average, be no-shows.

#2. One-on-one interviews

One-on-one interviews can be conducted quickly and affordably to uncover great feedback about products and services, but limitations exist. Reach is often limited because it’s difficult to access a large group of people due to time and geographical constraints.

While interviews can be conducted via phone or face-to-face, many business owners report better results with phone interviews. People tend to be more open to sharing opinions over the phone because they’re in their own environments — and phone interviews are cheaper because no travel is required.

#3. Online research

Online research allows entrepreneurs and business owners to connect with a large number of potential customers in a quick, affordable way. To successfully conduct online research, first decide whether the audience you want to reach consists of new or existing customers. Then, develop questions to ask and decide how to reach those people — through your email subscriber list or social media, for example.

Always reach out to people in the way that’s most convenient for them in order to create more potential for open, honest, and bias-free feedback. If you can, locate similar surveys your competitors may be conducting to make sure you don’t end up over surveying any one group. And pay close attention to the timing of your online survey — avoid sending them out around holidays or on weekends, for example.

Keep them short and simple. People often avoid surveys that take longer than 5 or 10 minutes to complete. If the survey must be longer, use page breaks, allow respondents to take the survey in stages, or split it into a few separate surveys.

#4. Mobile surveys

Mobile surveys combine the principles of traditional market research with the scale, reach, and affordability of the smartphone-enabled economy. While customers enjoy interacting with brands online, only 17 percent of researchers use mobile surveys as part of their strategy.

This presents a huge opportunity for you to get ahead of the curve by using mobile to gather customer feedback. Many people prefer to use smartphones as their main tool of communication. Consequently, 60 percent of the world’s population should have internet access by 2020, thanks to the increasing ubiquity of smartphones.

What’s more, people are more likely to respond when they can do so quickly on a mobile device. Plus, mobile’s unique features, such as geolocation, allow for more accurate data collection.

Customer feedback is absolutely paramount to your business’s success throughout its lifetime, and market research is the best way to solicit their input. Using one or more of these four methods of market research, you can validate a new product, service, or business idea, guide your internal decision-making, ensure that your existing customers are happy, and create strategies for attracting new ones.

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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Wednesday, December 28, 2016

It's Dangerous to Underestimate the Intelligence of Your Customers

The power has shifted and rightly so.

This is a mistake that I see certain businesses making on a regular basis. They tend to assume that their customers are stupid and even worse, they treat them as if they are. I think this is a very dangerous assumption to make and clearly it is downright insulting. After all, we are all consumers and I don't know about you, but I certainly don't think I'm stupid and I definitely don't like being treated as if I am.

Some business operators tend to think that they can say anything or make any offer and their customers will come running in the door. They can treat their customers however they like, fail to deliver as promised and even tell blatant lies. That may have been the case a few years ago but now competition is increasing so dramatically that the consumers have the upper hand and rightly so.

We are all much more educated. For example we know that most large department stores have regular sales, with huge savings - so we tend to wait for those sales when making bigger purchases. We talk to each other, asking questions about prices, service and experiences when it comes to making purchases and we are quick to talk honestly about any business that treats us as if we are stupid. We expect complaints to be handled professionally and with respect and they rarely are.

Realistically, this is all about treating our customers with great respect. Ideally we should treat them the same way we like to be treated. This leads to the question "how do you like to be treated?". What type of discount do you look for when you are bargain hunting? How do you expect to be treated if you have a complaint? One of the best ways to upset a customer is to sell them something at full price the day before your 30 per cent store wide sale. We have all experienced this and we all find it very frustrating.

If your business has developed an almost cynical approach to the customers that pay your bills, maybe it is time to rethink your business philosophy. Even if you have the right attitude, make sure your staff appreciate both the intelligence and the importance of your customers. After all, if they are that much of an inconvenience, imagine life without them.

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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6 Terrible Money Situations You Need to Stop Getting Into

Some advice for avoiding traps, saving money and destressing.

When it comes to money, I know I can be my own best friend and my own worst enemy. Most of the time, I'm frugal, intentional, careful and deliberate with my money. But, every once in awhile, it's like I forget all of those principles. Maybe I want something badly, even though I can't afford it. Or I am tired and it's easier to spend than to think first.

Now, I've never gone totally off the rails financially. But I can see where these acts of — let's call them what they really are — self-sabotage — undermine the principles I desire to live by.

As I've gotten older, I've gotten better at staying out of these situations, and I know you can do the same. Here are some of the places where I've gotten into trouble in the past.

1. Overspending

It's hard to live within your means. It just is. There's so much that you want, and that doesn't even take into account what you need. But overspending — spending more than you make — is a sure way to get into deep financial trouble.

Even if you don't get into debt, and some overspenders don't, you'll end up living paycheck to paycheck, juggling which bills need to be paid so that nothing gets turned off this month. That life isn't any fun at all, even though spending the money might be a blast. Besides, eventually some large expense will come up, and you'll end up in debt because you won't have the money saved to cover it.

2. Credit Card Debt

This usually comes as a result of overspending for a period of time. When you get used to spending, it starts to feel natural to just put something on your card. Do this enough times, and you'll find yourself with a bill you can't cover at the end of the month.

The problem with credit card debt is that it feels deceptive. Sure, there's interest to pay, but the minimum payment looks so small. It might take you a while, but paying it off feels entirely doable.

However, you'll end up paying forever and paying a lot in interest. And even those minimum payments can add up. Maybe you can handle one or two of them, but get three or four (or 10), and making the payments becomes a lot more financial stress than you need.

3. Not Saving for Retirement

It's easy to prioritize everything else over retirement. When you're young, retiring feels like such a long way off that it's easy to wait too long to get started. And when you're older, it's easy to spend or save for your kids rather than for yourself. Many parents panic about paying for college and end up putting their savings there rather than into their retirement accounts.

Most "real" jobs come with some sort of retirement account and, often, with a matching plan from the employer. Take full advantage of this as soon as you are eligible. If possible, have the money deducted from your paycheck automatically, so you don't even have a choice in where it goes each month.

4. Buying Too Many Toys

This probably comes with the territory of overspending, but it seems like a specific trap that you can fall into. Many people (myself included) tend to live pretty frugally most of the time, but are willing to spend quite a bit of money on a toy. This can be something like sports equipment, a designer purse, a new car, technology and other splurges.

I think that a lot of us live such stressful lives that we feel like we deserve something that will help us rest or, at least, make us feel better about ourselves. So we spend a lot on an item based on the idea that it will improve our lives. Even if it does actually help us de-stress, the financial impact can cause as much or more stress in the long run.

It's much better to save up for a toy, or rent one, or ask friends and family to contribute to a fund toward it for your birthday or another holiday. That way you will actually lower your overall stress levels, rather than adding to them.

5. Going Out Too Much

Sure, it's fun to get dinner and drinks with your friends. And it's probably a good idea to go to happy hour with the coworkers here and there, to forge connections and get to know people. But when you're doing it every night, those bills are going to add up.

You don't need to deprive yourself to make good decisions about when and where you spend when it comes to eating (and drinking) out. Lowering your spending can be as simple as ordering an appetizer and a beer instead of a meal and a cocktail. You can get creative, too. Some of my friends and I take turns hosting a meal along with one or two signature drinks and the overall cost is much lower than what we'd spend if we met at restaurants.

6. Spending to Save

Sure, there are times when it's worthwhile to spend a bit more on a quality product so that you don't have to buy another one anytime soon. But I've also seen this as an excuse to spend way too much. Not sure how this might apply to you?

What about when your car dies? You might legitimately need a new one. But it's a trap to believe the voices that say, "Buy a brand-new car. That way you will save, in the long run, on maintenance costs." Instead, you can buy a car off a two or three -year lease. You still get the benefits of low maintenance, but you save a lot off the initial price.

Or, maybe, you see a pair of nice new boots in the store. They're high quality, and you think to yourself, "Sure, that's a lot of money. But if I buy those, I won't have to buy boots for several years." That might be true, but before you purchase, think about how many pairs of boots you already have sitting in your closet.

Sometimes, buying quality is the way to go. But other times, it's an excuse we use to let ourselves spend more than we should.

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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Wednesday, December 21, 2016

Simple Ways to Stop Fights About Money With Your Customers

It all comes down to better communication

The secret to having happy customers is to do what you can to not only meet their expectations but ideally to exceed them. One of the most common areas where conflict arises between a business and a customer is differing expectations, mainly due to poor communication. This can lead to confusion and conflict and a whole lot of angst.

People often have different recollections of a discussion or meeting. Typically this is because there is no summation at the end of the meeting to clearly spell out what happens next. Summarizing a meeting to clarify expectations is a good practice and a really smart way to avoid issues.

When submitting quotes and proposals, spell out your terms and conditions. Make sure there are no surprises for anyone. At the same time make certain you list your customers expectations as well. If you can't then you may not have asked good enough questions. If we identify problems or discrepancies early on, issues can be resolved quickly.

I recently worked with a business where the sales manager struggled to have conversations about payment terms with his customers. He was selling high priced items, some up to $80,000. He could sell the items, but he glossed over the payment terms, with the specific details in the fine print. His customers would get seriously upset when they received a phone call from the businesses accounts department chasing large payments that they didn't know we due.

The bottom line is he should have said very clearly, "these are our payment terms, will they work for you?". Instead his customers felt ambushed, leading to many sales falling through.

Another important consideration is to make people aware of any guarantees that you may have and what the conditions of these guarantees may be. We have all been burned by small print, especially on things like insurance policies. It is extremely frustrating and aggravating when a business hides behind the small print of a term or condition.

For longer projects, revisit expectations as often as you need to. Ensure that you are asking your customers if they are happy with the work you are doing on a regular basis.

On your website ensure that you have your terms and conditions readily available for people to read and clarify.

Last but not least, when you are including your terms and conditions on your printed material and even on your website, there is nothing wrong with making the language positive and even fun. Don't try to be a lawyer or try to make it sound too technical. Use first person, explain why you have certain terms and conditions and even have some fun.

Any business that is really good at managing expectations and spelling our any terms and conditions in a very clear and open way, will have far fewer conflicts and disputes and that has to be good for business.

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Theresa Todman, Managing Partner/CEO of B&M Financial Management Services, LLC . Theresa specializes in bookkeeping, accounting, QuickBooks solutions, small business tax issues and consulting.
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