When Do You Know?

When do you know how you did last month? A reasonable time to have completed financial statements is between the 10th and 15th calendar day of the month. Another way to think of it is 5-10 business days. This can …

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The 13 Week Cash Flow Forecast

Lately, I have noticed a number of advertisements on how AI can help make the 13 week cash flow forecast easier to complete. I’ll take that at face value but the bigger question is why are you doing this at …

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Politics Over Business?

Unless your business is specifically related to political issues, my advice is to avoid political advertisements and statements at your place of business. This morning, I went to my favorite bagel shop (as I do most mornings) and noticed that …

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It’s A Journey (December 2025)

Life, business, family, education, health, fitness, happiness, travel, leisure. It’s all a journey.  Yes, there are points in time but once in a while it is also important to step back and look at how far you have traveled. I …

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Pennies (November 2025)

On November 12, 2025, the US Mint announced that they had struck the final run of pennies for general circulation. They cost nearly four cents each to produce so I understand the economic rationale. There are 300 billion of them …

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Comfortable? (August 2025)

Comfortable? I hope not. Unless you have obtained a level of wealth that makes you bullet proof from downward changes to your business or employment status, then it doesn’t pay to get too comfortable. Years ago, someone said to me: …

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What State Do You Live In? (July 2025)

No, I’m not talking about Florida, New York, Pennsylvania, New Jersey or Delaware. Rather, I’m talking about your mental state. What is your view on life particularly with respect to your business activities? Are you one of those people who …

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