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	<title>Monkey Off Your Back</title>
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	<link>http://www.monkeyoffyourback.com</link>
	<description>bookkeeping services for sole proprietors and service-based businesses</description>
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		<title>Waving the IRS Red Flag</title>
		<link>http://www.monkeyoffyourback.com/2013/03/waving-the-irs-red-flag/</link>
		<comments>http://www.monkeyoffyourback.com/2013/03/waving-the-irs-red-flag/#comments</comments>
		<pubDate>Fri, 22 Mar 2013 05:42:13 +0000</pubDate>
		<dc:creator>Julie</dc:creator>
				<category><![CDATA[Julie's Tips]]></category>

		<guid isPermaLink="false">http://www.monkeyoffyourback.com/?p=576</guid>
		<description><![CDATA[While we all want to pay as little to Uncle Sam as possible each year, the idea of a tax audit is usually enough to keep us on the straight and narrow. Just in case you are starting to swerve off the “legitimate tax write-off” path, this eye-opening article from CNN Money lists some of [...]]]></description>
				<content:encoded><![CDATA[<p>While we all want to pay as little to Uncle Sam as possible each year, the idea of a tax audit is usually enough to keep us on the straight and narrow. Just in case you are starting to swerve off the “legitimate tax write-off” path, this eye-opening <a href="http://money.cnn.com/gallery/pf/taxes/2013/03/21/tax-audit/index.html">article</a> from CNN Money lists some of the things that might cause the IRS to come knocking at your door. Knock, knock…</p>
<p><a href="http://money.cnn.com/gallery/pf/taxes/2013/03/21/tax-audit/index.html">Read article…</a></p>
<p> </p>
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		<title>5 Must-Have Documents for Grown-ups</title>
		<link>http://www.monkeyoffyourback.com/2013/03/5-must-have-documents-for-grown-ups/</link>
		<comments>http://www.monkeyoffyourback.com/2013/03/5-must-have-documents-for-grown-ups/#comments</comments>
		<pubDate>Fri, 22 Mar 2013 05:26:45 +0000</pubDate>
		<dc:creator>Julie</dc:creator>
				<category><![CDATA[Julie's Tips]]></category>

		<guid isPermaLink="false">http://www.monkeyoffyourback.com/?p=571</guid>
		<description><![CDATA[Ah, those pesky must-have documents. None of us like to think about them, let alone actually deal with creating them. Yet, as this excellent article from Daily Finance outlines, all “grownups” (I guess that means us) truly need to ensure that we have most of the documents highlighted here. My personal view is that items 1 — [...]]]></description>
				<content:encoded><![CDATA[<p>Ah, those pesky must-have documents. None of us like to think about them, let alone actually deal with creating them. Yet, as this excellent <a href="http://www.dailyfinance.com/2012/05/14/the-10-documents-every-grown-up-should-have/">article</a> from Daily Finance outlines, all “grownups” (I guess that means us) truly need to ensure that we have most of the documents highlighted here.</p>
<p>My personal view is that items 1 — 5 on the Daily Finance list are must-haves while items 6 — 10 are nice-to-haves. But check out the article and decide for yourself. Whoever said that adulthood would be easy?</p>
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		<title>5 Tips to Make Tax Time Less Stressful — Next Year</title>
		<link>http://www.monkeyoffyourback.com/2013/03/5-tips-to-make-tax-time-less-stressful-next-year-2/</link>
		<comments>http://www.monkeyoffyourback.com/2013/03/5-tips-to-make-tax-time-less-stressful-next-year-2/#comments</comments>
		<pubDate>Thu, 21 Mar 2013 03:40:03 +0000</pubDate>
		<dc:creator>Julie</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Julie's Tips]]></category>

		<guid isPermaLink="false">http://www.monkeyoffyourback.com/?p=546</guid>
		<description><![CDATA[I don’t know anyone who likes doing their taxes. Let’s face it — it’s just plain stressful. The good news… this great article by Geoffrey Cable of Destination Wealth Management offers tips on how to make it a less painful process in 2013. You probably still won’t like doing your taxes but this advice might [...]]]></description>
				<content:encoded><![CDATA[<p>I don’t know anyone who likes doing their taxes. Let’s face it — it’s just plain stressful. The good news… this great <a title="5 Tips to Make Tax Time Less Stressful — Next Year" href="http://www.cnbc.com/id/100569649?__source=xfinity|mod&amp;par=xfinity">article </a>by Geoffrey Cable of Destination Wealth Management offers tips on how to make it a less painful process in 2013. You probably still won’t like doing your taxes but this advice might save you a few grey hairs!</p>
<p><a href="http://www.cnbc.com/id/100569649?__source=xfinity%7Cmod&amp;par=xfinityhttp://">Link to Article</a></p>
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		<title>Independent Contractor vs. Employee — What’s the Difference?</title>
		<link>http://www.monkeyoffyourback.com/2013/03/independent-contractor-vs-employee-whats-the-difference/</link>
		<comments>http://www.monkeyoffyourback.com/2013/03/independent-contractor-vs-employee-whats-the-difference/#comments</comments>
		<pubDate>Tue, 19 Mar 2013 00:49:32 +0000</pubDate>
		<dc:creator>Julie</dc:creator>
				<category><![CDATA[Resources]]></category>

		<guid isPermaLink="false">http://www.monkeyoffyourback.com/?p=496</guid>
		<description><![CDATA[Here’s how the IRS defines the difference between and employee and an independent contractor. The distinction can be confusing but understanding the difference is critical to many small business owners. IRS Publication — Independent Contractor (Self-Employed) or Employee?]]></description>
				<content:encoded><![CDATA[<p>Here’s how the IRS defines the difference between and employee and an independent contractor. The distinction can be confusing but understanding the difference is critical to many small business owners.</p>
<p><a href="http://http://www.irs.gov/Businesses/Small-Businesses-&amp;-Self-Employed/Independent-Contractor-(Self-Employed)-or-Employee%3F" target="_blank">IRS Publication — Independent Contractor (Self-Employed) or Employee?</a></p>
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		<title>The Art of the Garage Sale</title>
		<link>http://www.monkeyoffyourback.com/2010/09/the-art-of-the-garage-sale/</link>
		<comments>http://www.monkeyoffyourback.com/2010/09/the-art-of-the-garage-sale/#comments</comments>
		<pubDate>Mon, 20 Sep 2010 04:40:41 +0000</pubDate>
		<dc:creator>Julie</dc:creator>
				<category><![CDATA[Clutter Clearing]]></category>
		<category><![CDATA[Going Green]]></category>
		<category><![CDATA[Personal Growth]]></category>
		<category><![CDATA[Simplify]]></category>

		<guid isPermaLink="false">http://www.monkeyoffyourback.com/blog/?p=306</guid>
		<description><![CDATA[Call me crazy, but my son and I planned our Labor Day weekend around a garage sale. Not just any garage sale, mind you, but OUR garage sale. Thankfully, we had reinforcements in the form of another family who embarked on this semi-crazy endeavor along with us. Somehow, the whole idea seemed less daunting and, ultimately, [...]]]></description>
				<content:encoded><![CDATA[<p><span style="font-weight: normal;"> <!--StartFragment--></span></p>
<p class="MsoNormalCxSpFirst"><span><img class="alignleft size-thumbnail wp-image-333" src="http://localhost/wp-content/uploads/2010/09/yard-sale-150x150.jpg" alt="" width="150" height="150" />Call me crazy, but my son and I planned our Labor Day weekend around a garage sale. Not just any garage sale, mind you, but OUR garage sale. Thankfully, we had reinforcements in the form of another family who embarked on this semi-crazy endeavor along with us. Somehow, the whole idea seemed less daunting and, ultimately, a lot more fun with friends by our side.</span></p>
<p class="MsoNormalCxSpMiddle"><span>The truth be told, I actually like throwing garage sales. I have held several over the years and <span>have learned that each one is unique; you can never quite tell what will sell, what will stay, or whom you will meet along the way.</span></span></p>
<p class="MsoNormalCxSpMiddle">From a strictly practical standpoint, a garage sale is a great way to unload your unwanted, tired, and underused stuff. Not only is it environmentally preferable to dumping your junk at the local landfill, but it also provides an opportunity to connect with people, some of whom you wouldn’t have otherwise met. For me, that’s the best part. If you get rid of your stuff and make some money while you’re at it, well, that’s just icing on the cake.</p>
<p class="MsoNormalCxSpMiddle">While I don’t think there is any such thing as the perfect garage sale,  I do believe there is an art to how you go about it. Here are a few tips I have learned along the way.</p>
<p class="MsoNormalCxSpMiddle"><strong>1. Location, location, location.</strong></p>
<p class="MsoNormalCxSpMiddle">This is the single most important element of a garage sale. Hold it at an easy-to-reach location with plenty of parking. If you don’t live in town, get together with other families and hold it at the most centrally located home. If that’s not possible and you hold the sale in a more remote spot, then double up your advertising efforts to compensate for the geographic undesirability.</p>
<p class="MsoNormalCxSpMiddle"><strong>2. Be prepared.</strong></p>
<p class="MsoNormalCxSpMiddle">The right supplies make a huge difference. Here’s a quick list: foam core board for signs, thick felt tip marker, hammer and nails to post signs, colored round labels for pricing, folding tables for merchandise, old blankets for items you can lay on the ground, grocery bags and/or cardboard boxes for customer purchases, and, most importantly, $100 or so in quarters, ones, fives, and tens for change. If you are selling something for less than a quarter, you should give it away!</p>
<p class="MsoNormalCxSpMiddle"><strong>3. Keep the goal in mind.</strong></p>
<p class="MsoNormalCxSpMiddle">In my opinion, the real reason to hold a garage sale is to get rid of stuff. Earning money is a nice reward, but shouldn’t be your main reason for the sale. If it is, you’ll likely be disappointed. Not to say you won’t make any money. But people are looking for bargains and, if you want to sell your stuff, you need to price it accordingly. <strong>In other words, sell it cheap. </strong> A good rule of thumb is to ask yourself what you think it’s worth and sell it for half of that… or less.</p>
<p class="MsoNormalCxSpMiddle">You can spend hours beforehand pricing and marking every last puzzle, utensil, book or whatnot, only to find yourself negotiating anyway. My system is to tag the bigger tickets items with my hoped-for price and then see if you get bites at that price. If not, you can always lower the price as you go. For all of the smaller stuff, I try to have general prices in my head (hardback books — $2, paperbacks — $1. etc. and group things together by dollar amount. Set up a dollar table, a five dollar table, etc. and make signs for each. You’ll find people will pick out several things and want you to give them a deal on the whole lot. Unless someone offers me an insult instead of a semi-reasonable price, I generally take it. As they say, a bird in hand…</p>
<p class="MsoNormalCxSpMiddle"><strong>4. Keep it short and sweet.</strong></p>
<p class="MsoNormalCxSpMiddle">Personally, I prefer one-day sales. I hold them from 9–4 on Saturdays and call Salvation Army to pick up anything that’s left at the end of the day. If you’re game, you can have a two-day sale; however, my experience is that the serious buyers come on Saturday and that by Sunday you’re pretty much just giving it away.</p>
<p class="MsoNormalCxSpMiddle"><strong>5. Don’t make ‘em dig for it. </strong></p>
<p class="MsoNormalCxSpMiddle">Spread your merchandise out so that it’s easy to see and reach. Customers don’t want to have to work to see your stuff. The display doesn’t have to be perfect because everything will likely get messed up anyway, but you need to put things within easy reach. Group like things together (e.g. stuffed animals, games, tools, books, etc.) and put merchandise out in rows with aisles in between. Think two-sided buffet line…</p>
<p class="MsoNormalCxSpMiddle"><strong>6. Put on your party hat.</strong></p>
<p class="MsoNormalCxSpMiddle">Approach your garage sale as you would a party. Think of yourself as the host and greet potential buyers as your guests. Not only are they much more likely to buy from a friendly face, but you will also have a lot more fun in the process. Crank the iPod, put on some sunscreen, don a big hat, grab a chair, and hang out where the action is. You will attract more customers and close more sales… I promise.</p>
<p class="MsoNormalCxSpMiddle"><strong>7. Spread the word.</strong></p>
<p class="MsoNormalCxSpMiddle">Running an ad and posting signs are the best way to advertise your sale. Stick with the local paper and run your ad two to three days before the actual sale. Keep it simple — what, where, when. As far as signs, they don’t have to be fancy — just easy-to-read, big, durable and abundant. Foam core board works the best. Be sure to put the address, day of the week, time and actual calendar date (Saturday, September 4, 9–4) so that people know that the information is current. Post them early in the morning on the day of the sale at every nearby cross street and busy thoroughfare. Remember to make enough signs for traffic coming in both directions. And don’t forget to take them down at the end of the day.</p>
<p class="MsoNormalCxSpMiddle"><strong>8. Invite your friends.</strong></p>
<p class="MsoNormalCxSpMiddle">Not only do friends buy stuff, but they bring their friends, who bring their friends. Our last garage sale turned into quite the party. Throughout the day, friends stopped by to peruse and ended up staying for a visit. I also finally met my new neighbors, who had been living across the street for several months.  In a small community like ours, a garage sale can be best social event in town!</p>
<p class="MsoNormalCxSpMiddle"><strong>9. Share your stories.</strong></p>
<p class="MsoNormalCxSpMiddle">Telling the “story” behind a particular item is one of my favorite parts of a garage sale. It creates a connection between you and buyer and gives you an opportunity to say “goodbye” to whatever it is that you’re selling. For instance, my little dog, Rosie, died last month and I made the bittersweet decision to sell her favorite dog bed at our last sale. The woman who bought it was a fellow dog lover so we bonded over a few photos (and stories) of Rosie before she happily took the bed home to her own beloved dog. The money exchanged between us became a mere formality.</p>
<p class="MsoNormalCxSpMiddle"><strong>10. Reward yourself. </strong></p>
<p class="MsoNormalCxSpMiddle">Whether you make ten dollars or 10K, how you spend the money is just as important as how you earned it in the first place. Maybe it’s as simple as a family dinner out, a new ping pong table for the now spotless and usable garage, or a fund toward your next rescue dog. Whatever it is, make it fun. You’ve worked hard and deserve to splurge a little. Just try not to spend it on something that you’re going to decide to unload… at your next garage sale!</p>
<p><!--EndFragment--></p>
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		<title>What’s Growing in Your Refrigerator?</title>
		<link>http://www.monkeyoffyourback.com/2010/08/whats-growing-in-your-refrigerator/</link>
		<comments>http://www.monkeyoffyourback.com/2010/08/whats-growing-in-your-refrigerator/#comments</comments>
		<pubDate>Tue, 31 Aug 2010 00:46:47 +0000</pubDate>
		<dc:creator>Julie</dc:creator>
				<category><![CDATA[Clutter Clearing]]></category>

		<guid isPermaLink="false">http://www.monkeyoffyourback.com/blog/?p=255</guid>
		<description><![CDATA[It all started with one tiny little moth. Then another.. and another. Soon my kitchen pantry and cupboards had become home to a small army of what I later learned were grain moths. They love and feed off of all sorts of dried foods… pasta, cereal, flour, rice, cake mixes, herbs, spices, dried vegetables or [...]]]></description>
				<content:encoded><![CDATA[<p>It all started with one tiny little moth. Then another.. and another. Soon my kitchen pantry and cupboards had become home to a small army of what I later learned were grain moths. They love and feed off of all sorts of dried foods… pasta, cereal, flour, rice, cake mixes, herbs, spices, dried vegetables or fruit, bird seed, dried pet food, and more. While you may not be waging war with grain moths at the moment, how many open boxes of that stuff do you have floating around your kitchen?</p>
<p>Don’t worry… this blog is not about alleviating grain moths per se. But my moth infestation served as an impetus for purging my pantry… and, ultimately, my refrigerator as well. In the process, I realized that I had become a bit of a food pack rat, keeping things for a rainy day in spite of the fact that their shelf life had long since expired. I work hard to keep my body, my mind and my home free from clutter and I had missed the very heart of it all… the food my family and I eat.</p>
<p>So, following the “eliminate, categorize, and organize” approach, I got busy purging. Things that did not make the cut were:</p>
<p>1.Unidentifiable leftovers.</p>
<p>2. Anything past its expiration date.</p>
<p>3. Bruised or rotting fruits and vegetables.</p>
<p>4. Crusty condiments.</p>
<p>5. Items you’ll never use.</p>
<p>6. Open dry goods (especially cereal, snacks, pasta, etc.) over 3 months old.</p>
<p>7. Items with freezer burn.</p>
<p>8. Spices older than 1 year.</p>
<p>In general, if I couldn’t remember when or why I bought something, or how I would ever use it, it went into the trash. That included gifts (jams, jellies, chocolates, etc.), wishful items I bought for my son that he won’t ever eat, fad foods, and any other puzzling purchases made on some whim. Once I did that, everything left was fresh, useful and, deserved a place on the shelf.</p>
<p>Next, I categorized what was left according to the following categories:</p>
<p><strong>PANTRY &amp; CUPBOARDS</strong></p>
<p>1. Canned goods</p>
<p>2. Grains and pastas</p>
<p>3. Cereals (hot and cold)</p>
<p>4. Snacks (chips, crackers, nuts, cookies, dried fruit, etc.)</p>
<p>5. Drinks</p>
<p><strong>REFRIGERATOR</strong></p>
<p>1. Fruits</p>
<p>2. Vegetables</p>
<p>3. Condiments</p>
<p>4. Drinks</p>
<p>5. Dairy</p>
<p>6. Meats and cheeses</p>
<p>6. Leftovers</p>
<p><strong>FREEZER</strong></p>
<p>1. Meats</p>
<p>2. Frozen entrees and boxed foods</p>
<p>3. Ice cream and desserts</p>
<p>4. Breads</p>
<p>5. Frozen vegetables and fruit</p>
<p>I suggest you use these categories as a general guideline, but, ultimately, how you arrange things will have a lot to do with the physical configuration of your kitchen and the ages and heights of your family members. In other words, store things in a way that make sense to you and your family. Obviously, if you have a 4-year-old in the house, you’re going to strategize differently than if you have a 13-year old giant rummaging through your cupboards.</p>
<p>The real trick is, as always, is to stay on top of it. Here are a few final tips on how to keep your kitchen a fine-tuned culinary machine:</p>
<p>1. Take everything out as you purge and organize what’s left on the counter. Wipe down pantry shelves, cupboards, refigerator, and freezer before you put anything back.</p>
<p>2. Purchase a Sharpie pen, labeler or food storage labels (www.containerstore.com), gallon-size freezer bags, freezer-safe plastic containers, ever-fresh green produce bags (www.reusablebags.com), and glass storage containers.</p>
<p>3. Label everything with the contents and date.</p>
<p>4. Take dry goods out of the original packaging and store in glass air-tight containers. If you need the directions on the box, cut them out and put them in or tape them to the container.</p>
<p>5. Keep a list of items that you’ve tossed but that need to be replaced.</p>
<p>6. Donate useable dry/canned items to the local food bank.</p>
<p>7. Purge at least every three months.</p>
<p>8. Step back, admire your handiwork, and give yourself a big pat on the back!</p>
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