symbolizing with the fall of 7 pillars, are the 7 signs for the moral violations by businesses, nonprofits, organizations, governments. By Rolf Neuweiler, a2zCFO.com, a consulting CFO service.

The Seven Signs of Ethical Collapse: How To Spot Moral Meltdowns in Organizations

In the book “The Seven Signs of Ethical Collapse” by Marianne Jennings, JD., these seven signs are listed for spotting an organization’s ethics crisis that can bring down corporations like Enron and other businesses and nonprofits: Pressure to maintain the business numbers  Culture of fear and silence  A “bigger than life” CEO and awe-struck direct…

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This photo is part of a blog about revenue, gross, operating and net profits and profit margins by Rolf Neuweiler, consulting CFO. www.a2zCFO.com

Revenue and Profit Margins

In our last blog, we talked about EBITDA and EBITDA margin, and stated that it is better to use both GAAP metrics and EBITDA to determine an organization’s financial health. Under the guidelines of GAAP (generally accepted accounting principles) requirements for corporate accounting, a profit margin is calculated using one of the three principles: gross…

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dollars and calculator with plus red button, for calculating EBITDA = earnings before interest, taxes, depreciation, and amortization. EBITDA margin = EBITDA divided by total revenue. call me (925) 216-5058 or email: rolf@a2zCFO.com

EBITDA

What is EBITDA? EBITDA is the abbreviation for “Earnings Before Interest, Taxes, Depreciation and Amortization.”  It is a measure of overall profitability of a business.   How are EBITDA and EBITA margin calculated? EBITA = earnings before interest, taxes, depreciation, and amortization. EBITDA margin = EBITDA divided by total revenue.  EBITDA and EBITDA margin help…

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audit accounting books and employee transaction records by CFOs with employers detects and prevents thefts and frauds. This photos shows an audit expert conducting a surprise or annual auditing during employees' vacation or absence.About a2zCFO: We help with any aspect of financial management from A to Z. By providing trusted financial advice, I create financial and goal clarity, resulting in increases in cash, profitability and sales all the while preparing the business strategically for a successful exit when the time is right. Works at client’s location and directly with client’s staff; Affordable and flexibility in hours – 4 hours a month to short term full time assignment; Excels at messy and difficult clean up situations; Meaningful financial reporting for management, bankers, and CPA’s. Tax returns completed by 4/15; Cradle to grave services – from bootstrapped startups to exit transition service experience. Please call me (925) 216-5058 or email: rolf@a2zCFO.com A2Z CFO, we keep your ship on course.

Fraud Detection and Prevention – Part 1 of 2

Internal fraud by employees in a workplace can be catastrophic to any company, it can be life-threatening to a small business with limited resources.  In Part 1, we will discuss about employee theft and fraud detection. Next month in Part 2 we will address prevention issues. Who steals from employers? According to the shocking statistics…

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Tips for claiming social security benefits, Wait until full retirement age will maximize benefits amount, Rules for taking out a spouse’s benefit, divorced and widowed, Please call me (925) 216-5058 or email: rolf@a2zCFO.com A2Z CFO, we keep your ship on course

Tips for claiming social security benefits

Wait until full retirement age will maximize benefits amount   The general rule of thumb is that if you postpone taking social security benefits until after your full retirement age, you will receive a higher monthly benefit.  But after reaching full retirement age, there is no more gain from delaying claims.   Remember, the earliest…

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Old and New Scams for Stealing Identity in Today’s Digital Age, by Rolf Neuweiler, a2cCFO, LLC, phone:(925) 216-5058 or email: rolf@a2zCFO.com

Old and New Scams for Stealing Identity in Today’s Digital Age

Every day we get calls and receive emails from unknown sources and spammers. The following are not exhaustive lists of scams, as identity thieves are “evolving” with more sophisticated ways to breach cyber security. Here are the top 10 scams from Consumer Reports: Debt collection Fake government officials – IRS, Social Security, State Department, etc.…

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By providing trusted financial advice, I create financial and goal clarity, resulting in increases in cash, profitability and sales all the while preparing the business strategically for a successful exit when the time is right. Works at client’s location and directly with client’s staff; Affordable and flexibility in hours – 4 hours a month to short term full time assignment; Excels at messy and difficult clean up situations; Meaningful financial reporting for management, bankers, and CPA’s. Tax returns completed by 4/15; Cradle to grave services – from bootstrapped startups to exit transition service experience. Please call me (925) 216-5058 or email: rolf@a2zCFO.com A2Z CFO, we keep your ship on course.

IRS Impersonators and Scams Related to Tax Returns

Many people reported that they have received IRS impersonators’ calls, and sadly some fell victims of various scam schemes after being intimidated into paying a fabricated tax bill. Thousands of people have lost millions of dollars and their personal information to tax scams. Scammers use the regular mail, telephone, or email to set up individuals,…

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Financial and management pitfalls for a growing small business, by Rolf Neuweiler, CFO. Good bookkeeping and accounting practices not only can avoid many problems to make it easy for tax filings, new loans, and pitching to investors, but they will also provide insight into the operation and health of your business enabling sound decisions for management and growth.

Part 2 of 2: FINANCIAL & MANAGEMENT PITFALLS FOR A GROWING SMALL BUSINESS

In January 2019, I talked about financial and management pitfalls for growing small businesses at a professional networking group meeting. Last month in Part 1 of the two parts, we first focused on potential pitfalls related to lacking strategic goals and skills. Here in Part 2 I am listing some pitfalls related to leadership, internal…

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Financial and management pitfalls for a growing small business, by Rolf Neuweiler, CFO. Good bookkeeping and accounting practices not only can avoid many problems to make it easy for tax filings, new loans, and pitching to investors, but they will also provide insight into the operation and health of your business enabling sound decisions for management and growth.

Financial and Management Pitfalls for a Growing Small Business – Part 1 of 2

Part 1 of 2: PITFALLS FOR A GROWING SMALL BUSINESS In January 2019, I talked about financial and management pitfalls for growing small businesses at a professional networking group meeting. Here in Part 1 of the two parts, we first focus on potential pitfalls related to lacking strategic goals and skills. In Part 2 next…

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cash flow, small business, solutions, problems, accounting, financial forecast, preventive, invoicing, payment, strategies, www.a2zcfo.com

Cash Flow Problems and Solutions for Startups and Small Businesses (3rd of 3 parts)

This is the last of three parts about cash flow problems and solutions for small businesses. In Parts 1 and Part 2, we discussed seven preventive strategies for all businesses: 1.) Get accounting books organized. 2.) Use a cash-flow budget. 3.) Get customers to pay quickly. 4.) Rein-in unnecessary spending and stay alert to potential…

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cash flow, small business, solutions, problems, accounting, financial forecast, preventive, invoicing, payment, strategies, www.a2zcfo.com

Cash Flow Problems and Solutions for Startups and Small Businesses (2nd of 3 parts)

This is the second of three blogs about cash flow problems and solutions, particularly relevant to startups, and also for small businesses. In Part 1, we discussed the first three of seven preventive strategies for all businesses: 1.) Get accounting books organized. 2.) Use a cash-flow budget. 3.) Get customers to pay quickly. Here in…

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cash flow, small business, solutions, problems, accounting, financial forecast, preventive, invoicing, payment, strategies, www.a2zcfo.com

Cash Flow Problems and Solutions for Startups and Small Businesses (1st of 3 parts)

This is the first of three blogs about cash flow problems and solutions for small businesses. Cash flow management is key for a small business to succeed About 82 percent of startups and small businesses fail due to poor cash-flow management. Businesses experience cash flow problems when they cannot timely pay employee salaries and/or pay…

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Financial and management pitfalls for a growing small business, by Rolf Neuweiler, CFO. Good bookkeeping and accounting practices not only can avoid many problems to make it easy for tax filings, new loans, and pitching to investors, but they will also provide insight into the operation and health of your business enabling sound decisions for management and growth.

Common Accounting Pitfalls for Small Businesses

Common Accounting Pitfalls & Solutions for Small Businesses About 28 percent of companies go bankrupt due to problems with a company’s financial structure, according to a study undertaken by the Small Business Administration. Good bookkeeping and accounting practices not only can avoid many problems to make it easy for tax filings, new loans, and pitching…

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a2zCFO, financial, plan, strategies, annual projection, family office, small business, nonprofit, accounting, controller, www.a2zcfo.com,budget, personal, planning, spending, saving, financial goals,

Personal financial budgeting

We all have heard these:  “Money doesn’t grow on trees.”  “Save money for a rainy day.” “Failing to plan is planning to fail.” However, about ⅔ of Americans do not budget. Many live paycheck to paycheck. Financial stress often spills into relationships and family life.   Budgeting is about intentional spending and mindful living. Budgeting…

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Budgeting for businesses and non profit organizations include capital, cash flow, and operating budgets

Three Types of Budgeting for Businesses

Failing to plan is planning to fail, that is why budgeting can help a business achieve financial success, predict profitability, provide a model for performance, formulate plans and strategies, and forecast income and expenditures. Planning and Forecasting A budget provides insight into a company’s financial position for the near future.  A budget is a tool…

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Business Meal Scene

New Tax Law – Are “Meals” and “Entertainment” Still Deductible?

In the tax reform bill Congress approved last December, entertainment, amusement, or recreation or any expenses with respect to such a facility do not qualify for a tax deduction. Where does this leave “meals”? I have received many questions asking if meals are still deductible. Companies’ Holiday Parties: 100% Deductible Employee Only / Holiday Parties…

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CPA & CFO working together for tax savings for a business

CFOs & CPAs Work in Synergy to Optimize Tax Strategies and Savings

Maximizing tax savings for a company and its owner requires teamwork between both its CFO and CPA, each contributing different perspectives, skills, and functions. However, many business owners believe that they do not need a Chief Financial Officer (CFO) when they have a tax CPA. There is good reason for this confusion as some CFOs…

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systematic and strategic planning customized to a business' accounting system, software

How to Convert Accounting Systems Successfully – Steps, Precautions, and Preparation

As with all business systems, accounting software and systems become outdated and inappropriate for a company’s growing needs.  There is always a great deal of excitement and anxiety when implementing a new accounting package.  Throughout my career I have been involved with many system conversions.  Time and time again these conversions often seem to be…

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Birth of A2ZCFO

Announcing the birth of a2z CFO! With great pride, delight, and gratitude, I am introducing you to a2z CFO, a consulting CFO firm serving small to medium sized businesses, family offices, and non-profit organizations. I am Rolf Neuweiler, founder and principal consultant of a2z CFO. With 30 years of financial experience, including Chief Financial Officer…

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Taxes

You saved the sales taxes on your recent business purchase. Are you sure? You may owe Use Tax!

In today’s electronic shopping world, businesses can purchase goods with a click of a button.  Many times, items are purchased from out of state vendors, thru the internet, or under sales tax exemption certificates resulting in the vendor NOT collecting sales tax.  However, with the concept of use taxes, you still may owe use taxes to your…

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Rolf Neuweiler

Principal & Consulting CFO

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“Keep your ship on course.”