Five Crucial Components of a Business Plan

The format of a Business Plan is something that has been
developed and refined over the years and is something that should
not be changed. Like a good recipe, a business plan needs to
include certain ingredients to make it work.

When you create a business plan, don’t attempt to recreate its
format. Those reviewing this type of document have expectations
you must meet. If they do not see those crucial decision-making
components, they’ll see no reason to proceed with their review of
your business plan, no matter how great your business idea.

Executive Summary Section

Every business plan must begin with an Executive Summary section.
A well-written Executive Summary is critical to the success of
the rest of the document. Here is where you need to capture the
attention of your audience so that they will be compelled to read
on. Remember, it’s a summary, so each and every word must be
carefully selected and presented.

Use the Executive Summary section of your business plan to
accurately describe the nature of your business venture including
the need that you plan to fill. Show the reasons why people need
your product or service. Show this by including a brief analysis
of the characteristics of your potential market.

Describe the organization of your business including your
management team. Also, briefly describe your sales and marketing
plan or approach. Finally include the numbers that those
reviewing your business plan want to see – the amount of capital
you seek, the carefully calculated sales projections and your
plan to repay the loan.

If you’ve captured your audience so far they’ll read on.
Otherwise, they’ll close the document and add your business plan
to the heap of other rejected ideas.

Devote the balance of your business plan to providing details of
the items outlined in the Executive Summary.

The Business Section

Be sure to include the legal name, physical address and detailed
description of the nature of your business. It’s important to
keep the description easy to read using common terminology. Never
assume that those reading your business plan have the same level
of technical knowledge that you do. Describe how you plan to
better serve your market than your competition is currently
doing.

Market Analysis Section

An analysis of the market shows that you have done your homework.
This section is basically a summary of your Marketing Plan. It
needs to show the demand for your product or service, the
proposed market, trends within the industry, a description of
your pricing plan and packaging and a description of your company
policies.

Financing Section

The Financing section must show that you are as committed to your
business venture as you expect those reading your business plan
to be. Show the amount of personal funds you are contributing and
their source. Also include the amount of capital you need and
your plan to repay this debt. Include all pertinent financial
worksheets in this section: annual income projections, a
break-even worksheet, projected cash flow statements and a
balance sheet.

Management Section

Outline your organizational structure and management team here.
Include the legal structure of your business whether it is a
partnership, corporation or limited liability corporation.
Include resumes and biographies of key players on your management
team. Show staffing projection data for the next few years.

By now you’re probably thinking that you don’t need Business Plan
just yet. Well you do, and there is business plan building
software that can help you through this immense project. These
software packages are easy to use and affordable. Use one today
and produce a professional-quality Business Plan – including all
critical components – tomorrow!

Benefits of St Louis cleaning services

A cleaning service St Louis will work as per your requirements and on your schedule. If you hire St Louis cleaning services you save time to indulge in other activities.

Maintaining a clean home is very important, but sometimes it is not possible to take care of the cleaning all by yourself. When you have a busy schedule, it prevents you from handling the cleaning functions of your home. This is why it is beneficial to hire a cleaning service St Louis. This way, you will always have a clean home to live in. You can focus on other pressing responsibilities if you hire professional St Louis cleaning services. It is a convenient method of keeping your home spotless and hygienically clean.

When you hire a cleaning service St Louis, you are making sure that your home stays clean at all times because you will be signing a contract which ensures regular visits. The professionals will come to your house in a timely manner as per your schedule and clean the entire place properly. The St Louis cleaning services will have professional cleaners who are experienced. This means they will know what to use while cleaning any specific area. For example, tiled floors would require a different solvent to clean as compared to wooden floors. They have the knowledge of the effective techniques and therefore will guarantee a clean house when you get back home from work.

A cleaning service St Louis will provide you with an extremely high level of cleaning standard. The professionals will use industry grade equipment which cleans your home thoroughly. It might be more cost effective to hire St Louis cleaning services than buying the same equipments separately and trying to do the cleaning on your own. You hence save both time and money by seeking expert help. A service can also advise you on what to do when it comes to cleaning. Say, perhaps, you have accidently spilled something on the carpet. The workmen will advice you on what to use if something like that has happened.

A cleaning service St Louis will provide a customised cleaning plan for you. It will follow your specific needs and preferences. Some professionals visit your house before finalising the contract in order to find out what you expect from the cleaning job. Consulting with St Louis cleaning services will ensure that you don’t have any problems regarding the hygiene of your house like the issue of mould. Potentially destructive problems such as dry rot can be taken care of by the services. An environment free of germs will protect you from illness. A clean home will keep you stress free as well.

In today’s world, many of us are trying to juggle many things like career, family and a social life, as well as the need to find time to relax. There are many responsibilities to look after and keeping your house clean is one of them. Since you cannot neglect the cleanliness of the environment you live in, it is ideal to hire St Louis cleaning services. A cleaning service St Louis will keep your home spotless regularly and therefore keep you feeling freshComputer Technology Articles, energetic and motivated.

 

Bathroom Cabinets Add Something Different To Your Bathroom

A
lot of people will make the decision to remodel their bathrooms, one
thing that always comes to their minds when they think of remodeling
is bathroom cabinets. These cabinets serve a purpose based off of
their functionality as well as the way that they appear.

Green Carpet Cleaning

 

Everything and everyone have gone green. Who would have guessed that the color of envy would become the most popular color of the times we live in? Even the carpet cleaning industry is leaning towards the Eco-friendly side of things. More and more carpet cleaning companies are using organic cleaning solutions and practicing Eco-friendly cleaning techniques.For you to understand why green carpet cleaning can actually be very effective, you should understand how chemicals employed for cleaning carpets are used. In various cases, cleaning systems, like vacuum cleaners, can eliminate stains on the surface of your carpet only, meaning particles are left behind, and this is what can cause odors.But even with everything going Eco-friendly there is a misconception that green cleaning products and green cleaning practices aren’t as effective as their chemically based brethren. This simply is not true. Here’s some info on green carpet cleaning that won’t leave you singing the blues…There are some cases where the stains harden and become even more difficult to get rid of. Various chemical cleaners can cover unpleasant carpet odors using the strong scent of the chemical. However, this scent may fade over time and the unpleasant odor will resurface. In case the foul odor is due to fungus or mold development, it can be more difficult to remove as it will only grow back and spread into the other areas of your carpet.I can remember that there used to be a time when almost all cleaning products were simple and mostly non-toxic. They didn’t have all the chemicals that are around today, I swear. Based how old you are, there are some used solutions made by mixing water and vinegar or baking soda to do a lot of cleaning. These same products can be used today to take care of most carpet stains and cleaning needs.There are plenty of Eco-friendly or green Scottsdale carpet cleaning solutions available that can effectively eliminate foul odor, by attacking the source. These green products contain special technologies that can break down debris and dirt. Because of this, you can now deal with even the toughest stains and oldest deposits in your carpet. Aside from using green products as an effective cleaning solution, you can also use the right cleaning machine to help you clean your carpet.Many scottsdale carpet cleaning companies are now using cleaning agents that are based on more natural elements rather than harmful chemicals. Non-toxic ingredients such as citrus, vinegar, and salt, are now being used more often than their toxic counterparts. This isn’t saying that all the chemicals used by carpet companies are 100% chemical free. But they are much safer and a great deal less toxic than the alternatives.The machines used along with your cleaning solution have an important role to play when it comes to odor removal. Hot water cleaners are more efficient when cleaning sticky stains or getting rid of hardened deposits. When a hot water extractor was used with Eco-friendly cleaning solutions, you can easily get rid of the foul odor from your carpet.

Article Tags:
Green Carpet Cleaning, Green Carpet, Carpet Cleaning, Cleaning Solutions, Foul Odor

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ABOUT THE AUTHOR

Michael Schubarker is a professional carpet cleaner and does scottsdale carpet cleaning. He seeks to educate and help people keep their carpets as clean and new looking as the day they bought them.

Hiring A Handyman: Find The Best One

 

At some point in every homeowner’s life, there’s bound to be a point where a project needs a little extra help. For all those things that just aren’t, or shouldn’t be, do-it-yourself projects, there’s a handyman that can help you solve the problem. For those who don’t know the difference between a Philips-head screwdriver and an Allen wrench, a handyman is not only a place to turn in time of need, but your home’s best friend. Virtually every home should have some sort of Mr. Fix-It in the phone’s speed dial, since emergencies not only happen fairly often, they’re frequently the result of your husband or wife attempting something new that looked very easy onHome & Garden TV. When searching to hire a handyman, the best place to start is through asking for recommendations from friends and family. Repairmen come in an endless variety, from huge companies with hundreds of employees on staff to the one-man operation down the street. For most people, the major concerns in hiring a repair person are that’s he’s skilled, reliable, punctual, honest, and affordable. Although most of those things seem like fairly obvious criteria, it’s sometimes difficult to find one person who fits the bill on all counts. Asking for recommendations from those who’ve used a repair person before and been satisfied with his work is the fastest and most unbiased way to find the help you need, especially if time is an issue. In the past, many homeowners would simply call a repair person at random out of the phone book, which required multiple calls and estimates before finding suitable help. Even then, it wasn’t always assured that the person who arrived at the home would be experienced and trustworthy. Fortunately, the internet has gone a long way in helping to take the guesswork out of hiring a handyman. Sites like Service Magic offer in-depth reviews from a variety of former customers, helping potential clients find the right person to suit their needs, and the type of skills a project may require. Doing a search online is also a wonderful way to unearth any ethical or criminal complaints against a company; if a customer was scammed or treated unfairly, there’s likely to be a record of the incident somewhere in cyberspace. While it’s important to take what you read online with a grain of salt and keep in mind that there are two sides to every story, it’s wise to avoid any company or handyman that has numerous complaints or violations against them.

Article Tags:
Repair Person

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ABOUT THE AUTHOR

In Birmingham, handyman always does the job right and you also get guarantee for the work done. To know more, visit http://www.birminghamhandyman.biz

Online Business Ideas: Low Cost Ways To Get Started

Low cost online business ideas are measured in the hundreds of dollars for the majority of people. For online business ideas in this article we will use that marker as a starting point and look at online businesses you can start quickly for very little cost or no money at all.

Depending on your financial situation low cost online business ideas are a relative term. Most franchises will cost you thousands of dollars to get started. You will decide what you can afford depending on your available capital.

For the majority of people low cost online business ideas are measured in the hundreds of dollars. As a starting point for online business ideas in this article we will use that marker and look at online businesses you can start quickly for very little cost or no money at all.

1. Multi-Level Marketing. For less than $100 you can find hundreds of network marketing companies you can join.

It is not unusual today for people to belong to more than one multi-level marketing business at one time. You can build a worldwide business very quickly if you find a product that is internet based.

2. Start blog writing for other internet marketers. This business model is one you get started with without having to spend any money at all.  Your first step will be to start your own blog and set up a PayPal account so people can pay you.

At Blogger you can set up a free blog.  Use your blog as a showcase for your work by adding a few articles for sample content, details of your costs and of course your PayPal button for payment.  Then start marketing your business in discussion forums and on social networking sites.

3. Get involved in direct sales. Companies such as Avon and Amway, which have been around for many years, still rule this business opportunity.

However, you will find that there are plenty of companies you can quickly get started with for under $100 and make money selling their products both offline and online and off-line.

4. Get involved in email marketing. You will need a good quality autoresponder, which will cost you about $20 a month. It can cost another $50 or so to set your autoresponder up with prewritten messages if you do not want to write them yourself.

You will find a huge variety of free affiliate programs where you will find products to market to your subscribers.   You can always jump start your list building buy purchasing leads from a lead company for under $100 which gives you people to send emails to immediately. Another option, for a small fee, is to promote your products to other Internet marketers’ lists by ezine advertising.

5. Start selling digital information. It is reported that Amazon now sells more digital information than they actually do hard copy books and ClickBank is the largest ebook affiliate program in the world..

ClickBank and Amazon will give you a never ending supply of digital information you can sell online and they are both free to join. Most merchants will supply you with an affiliate website, howeverFind Article, it is a good idea to invest in a domain name and website hosting for about $30 and start your own digital information empire.

The above are several popular low cost online business ideas. It is possible for anyone using the internet to get started for fee or very low cost and turn that into a full-time online home business over time.

5 Tips for office cleaning in summer

Cleaning is one of the most important part of our life. In this article we discuss five major cleaning tips and tricks to solve your office cleaning issue.  

We have almost entered in summers, a different section of your home and workspace will produce stinky smell due to humidity. The main reason for not cleaning on a daily basis. Everyone especially pays attention to cleaning in the summer season. Workspace is something different from the house it doesn’t matter which designation you are. The smelly and dirty environment will d definitely leave an annoying impact on you.

Summer month needs at least twice round of cleaning within a week on a daily basis from each section of your workspace because the dusty environment will not let you do work correctly. So without wasting anytime do proper attention on cleaning your workspace. In this article, I am going to let you know how to take care of office cleaning in summers.

Start cleaning from your desks and tables because they are the central part where various elements are on your table which should be in dustbins. Wrappers of eatables, dust are the initiative of any disinfection so make sure your desk and tables are properly cleaned.

These two places are the central point of germs. Office space kitchen does not use for cooking as per kitchens of your home. Remaining eatables can be in dustbins of your office kitchen so keep in mind it should be disposed of daily. Make sure washroom should be properly clean because it would not be hygienic for your health. Avoid using harsh chemicals because it would affect the surface of your kitchen and washroom tiles.

In summers, the floor needs to be clean on a daily basis, and if you have carpet, then you must wash this within a month because there is enough hustle bustle of people which will make it dirty and can ruin its original look. If you have carpet, then it can have pollen, and dust particles so get rid of this it better to do vacuum for deep cleaning.

In summers waiting room couches and chairs usually need to do vacuum on a daily basis because it would produce a stinky smell, so it’s better to choose perfect cleaning company who do fabric wash for your couches. The purpose of this one is to give a new look to your drawing room because sofas and chairs are the central part of visitors. It should be cleaned don’t do this by yourself. I had my workspace in central London and for my couches and chairs cleaning I tried professionals for office cleaning in central London. It just turned out awesome.

It’s quite tedious when you want to see through a mirror, but window screens are not clean due to pollutants. So keep it in mind to clean this with water and chemicals. It shouldn’t be punitive which can affect, but for curtainsScience Articles, you will take help of professional cleaners. You don’t know exactly what type of chemical is appropriate so hand over this responsibility to them.

How to design and remodel your bathrooms?

 

Bathrooms can be designed or remodeled in many ways depending on your budget. You can build a high end bathroom which are can cost tens of thousands of pounds and low end bathrooms which can fit into your budget. Basically there are four main components which should be considered in bathroom design; they are bath, showers, sink, and toilet. Other than these three main components we can also install other components like luxury showers, designer towel warmers, massaging tubs and many more. These decorative components can be endless. These type of decorative products are made from variety of different products with different prices, they can be a custom-made products depending on there costs.In any type of bathroom designs we must consider some basic requirements which apply no matter what material and cost you consider. The basic design requirements are line, form, scale, pattern, texture and colour. The direction of the lines of the bathroom help create the sense of the room that is desired. Horizontal lines emphasize serenity and give a more contemporary feel to a room. Strong vertical lines emphasize formality and a traditional style. The principle of form relates to the shape and structure of the components in the design, and this includes not only shape but size. Scape is an issue of relative size among the various elements in the room. Pattern refers to repeated shapes and regularity. Texture refers to the visual and tactile surface of all the materials used. Color is a powerful design element that can transform a space and give it much of its characterBathtubs are must in any type of bathrooms our country. Generally bathtubs come in many shapes and sizes depending on your budget. The basic types of bathroom tubs are conventional tubs, receptor tubs, drop-in tubs, conventional tubes with integral & surrounds and the hydromassage tubs. Basic conventional tub comes with different sizes, the common size in 4-1/2 and 5-1/2 foot length, 28 to 32 inches wide and 14-16 inches in height. Bathroom toilets are available in huge range, varieties & and colours. In the toilet installation there are four basic operating system and four basic construction types to be considered; they are wall-hung model, floor-mount model, round front model and elongated model. Toilets with a tank mounted directly on the back of the bowl, free of the wall, is a close-coupled toilet, with the water connection between the two parts in the shape of a cone-shaped gasket. One-piece toilets are made with tank and bowl in one unit. These are usually more expensive because of a greater complexity in operating process. The flush-valve design is used primarily for commercial installations but can be installed in the home. They have no tanks but use direct water pressure for their flushing action.Basins or sinks or lavatories are the other common names for bathroom basins. Basically bathroom sinks come in two popular construction types; they are wall-hung basins and pedestal basins. They come in different sizes, colours, designs and they are built using different materials like molded plastic, marble, glass etc.The fourth most important component in any bathroom is the showers. Without any shower the bathroom can’t be completed. There are huge ranges of showers depending on your requirements. The most popular one is the electric shower; it heats up the water instantly when the cold water flows into the shower. These types of showers are useful for the houses which don’t have bigger heating boilers. The second popular showers are mixer showers. Mixer showers use both hot water and cold water from the separate tanks and mixes them and produces the warm water according to your requirements. And the other popular shower types are shower towers; they are built up using the combination of body jet showers and shower heads. They are basically a mixture of types of showers.The above send products cost in different prices depending on sizes, quality and types. They can be purchased in any physical stores near by your house or you can buy them online. There are many websites which sell the complete range of bathroom products. One such website is plumbtraders.co.uk. Plumb Traders supplies huge range of bathroom products ranging from electric showers, mixer showers, shower towers, bath screens, shower trays, shower doors and shower enclosures. To know more about the their prices please visit plumbtraders.co.uk

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ABOUT THE AUTHOR

I am Rahul, I write articles related to home improvements and articles related to central heating and plumbing services. My articles are related to electric showers, triton showers, mira showers & many more

Invention Designers

CAD or Computer Aided Design is just an overall term which
can be used with many different specialties. Don’t think just any CAD designer
will be able to perform the designs necessary for an invention design. Most CAD
services only specialize in Architecture, Mechanical, Civil, Electrical, or
other fields of design. To find a invention design service who can provide
invention and prototype design your best bet is to search online.

Inventors have enough to face with just coming up with an
idea that has not only been developed but creating one that has an appeal to
its customers from what it does. Once an Inventor reaches this point it’s time
for him or her to move onto the patent process which is a whole ordeal itself.
First they must research their invention to see if anyone else has something
similar in nature and functionality. This is called a “Patent Search”
and several invention companies provide these services to the Inventor. If they
get the heads up the next step in the patent process is to provide patent
drawings. This can be done by a professional drafting service and many can be
found online. Before a prototype can be made first the Inventor must have a CAD
file created. As before these CAD Designers can be found online and produce a
computer file which can be read by plastic injection, and CNC machines. These
are the two most common way of manufacturing today.

Patent drawings are the drawings that must be submitted
along with all the information describing an invention and its functionality.
These patent drawings are very important due to the fact they help the patent
office understand the inventions look, functionality, and overall appearance.
Without these patent drawings it would be hard for the specialist at the patent
office to fully understand the Inventors Invention in full. These drawings can
be considered a type of blueprint more or less and can be created at most
invention assistant services. It’s always a good idea to try and use your
Invention Designer as the one who performs your patent drawings so that way you
will be able to save time and money throughout your invention venture.

CAD designers are the new drafting specialist of today’s
world. These designers use special CAD software which enables them to produce
2D and 3D CAD models which incorporate all the necessary information to have
prototypes and more made. CAD or Computer Aided Design is just an overall term
which can be used with many different specialties. Don’t think just any CAD
designer will be able to perform the designs necessary for an invention design.
Most CAD services only specialize in Architecture, Mechanical, Civil,
Electrical, or other fields of design. To find a invention design service who
can provide invention and prototype design your best bet is to search online.

Once the Inventor has a CAD file of their invention they can
move on to having a prototype made. This process is usually pretty quick and
can be done within a day or two of time. Once the Inventor has made their
prototype they will have a physical model which they can hold in their hand,
present to investors, or use alongside with the information in their patent.
The prototype can be made before the patent is done and helps secure the
rightful Inventor to Invention. There are companies which can be found online
which assist Inventors with all the processes named abovePsychology Articles, and in most cases
will provide a discounted price if you get all the work done there. To lean more visit Invention 3D CAD Designers

Ten Tax Planning Ideas for Small Businesses in 2009

 

S Corporation:  Set up an S Corporation to avoid self-employment
tax on profits. If you conduct business as a sole proprietor, a partnership,
or a limited liability company the first $106,800 of 2009 profits are subject to a self-employment
tax rate of 15.3%. The profits in excess of $106,800 are
subject to a Medicare tax rate of 2.9%. These self-employment tax rates are in addition
to paying income tax on the profits. An S Corporation is not subject to self-employment tax on the profits earned.
But you must take “reasonable” compensation as salary subject to F.I.C.A.

Bad Debt Expense:  A reserve for bad debts is not deductible,
but you can write off accounts receivable in the year in which they become uncollectible. 
Be sure to take advantage of writing off all those uncollected accounts at year
end.

If you used a collection agency, you can deduct a portion of the debt that will
go to the collection agency as a fee (around 25%).  You can write off that
amount at the time you turn over the receivable to the agency.

Medical Expense:  For 2009, eligible self-employed
individuals can deduct from gross income 100% of the amounts paid for health insurance
coverage. The deduction is limited to net earned income from the business, less the deduction
for 50% of the self-employment tax.
Also, you cannot take the deduction for any month you were qualified to participate
in an employer sponsored health plan.

If you conduct business as a corporation, set up a corporate medical reimbursement
plan. Medical costs are generally personal expenses deductible only to the
extent that they exceed 7.5% of your Adjusted Gross Income (AGI). However,
medical reimbursement plans set up by C Corporations let you deduct all the medical
costs you incur for yourself, your spouse, and dependents. These plans must
cover all eligible employees.

Equipment Expense:  For 2009, Section
179 of the Tax Code lets companies deduct up to $133,000 of new equipment, subject
to certain limits. (This limit is reduced by the amount by
which the cost of section 179 property placed in service in
the tax year exceeds $530,000.) Passenger vehicles are excluded from the expensing election.
A passenger vehicle is defined as having a loaded gross vehicle weight of
less than 6,000 pounds.

The tax code also allows an accelerated method to depreciate the remaining value
of that equipment – it’s faster than the straight-line method of depreciation.

Home Office Expense:  Write off home-office expenses. 
You can take this deduction even if you use the space for administrative purposes,
as long as there is no where else you can work.  When you use one room in your
six room home as an office, you can deduct one-sixth of your costs for utilities,
security, homeowner’s insurance, etc. as well as all costs for the room such as
carpeting.  Although you can also claim the depreciation on your home used
for home office, you should consult a qualified tax advisor prior to doing so to
understand the impact it will have on the exclusion of gain when you sell your residence.

Travel Expense:  Deduct business trips by putting your spouse
on the payroll. When spouses are on the payroll, even at low salaries, cost
of business trips that include the spouse can be fully deducted. You should
also be aware that putting your spouse on the payroll in 2009 will also double the
amount of Social Security tax owed up to the first $106,800 of income.

Hiring Children in the Family Business:  Put your children
on the company payroll. When you employ your children in the business, for 2009
you can pay them up to $5,350 in salary free from Federal tax. The “kiddie”
tax doesn’t apply to wages, so children under age 18 get this tax break, too.
Have your children put $4,000 into a Roth IRA, where it will compound tax-free over
time. When the money is left in the account until they turn 59 ½, they will
never have to pay out any tax or penalties on that money or its earnings.

If your business is not incorporated, and the children are under age 18, neither
you, as employer, nor your children will owe Social Security or Medicare tax on
their wages.

Retirement Planning:  Put more money away in your company
retirement plan for yourself than for your employees.  Business owners who
are more than 20 years older that other company employees can set up a defined-benefit
pension plan instead of a defined-contribution plan.  Because they are funding
a specific benefit (not putting away a percentage of salary) and have fewer years
to do so, owners can contribute more to the plan for themselves than their employees.

Claiming Business Losses:  Make the most of business losses.
If your company has a net operating loss in 2009, it can be carried back two years
or carried forward up to 20 years to offset future profits. To get a refund,
file an application on Form 1139 for corporations and Form 1045 for sole
proprietorships. Most refunds are sent out by the IRS within
two months.

Education:  Set up a company tuition-reimbursement plan to
pay a child’s school cost.  Businesses can set up plans that pay up to $5,250
in tuition per employee annually.  Business owners’ children must work for
the company, be older than age 21, own no company stock and cannot be claimed as
a dependent on the owners’ tax returns.

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ABOUT THE AUTHOR

Alan L. Olsen, CPA, MBA (tax) is the managing partner at Greenstein Rogoff Olsen  & Co., a top Bay Area CPA firm. A specialist in income tax planning, he frequently lectures and writes tax planning articles for professional organizations and community groups.