Month: May 2016

S1:E2 Melanie Radcliff, CPA – Podcast

Todays episode is with Melanie Radcliff, President of Radcliff CPA. Melanie is both an accountant and a financial advisor, so she has a much more holistic approach to things like accounting, tax planning, and investments. Melanie was kind enough to sit down with me two weeks before April 15th, and we discuss not only small business accounting such as the difference in profits and cash flow, but of the importance of Star Trek and The Jerk. Radcliff CPA Movies: The Jerk:  He Hates These Cans!  Navin R. Johnson, typical bastard (yeah I said typical asshole in the podcast – I have thought that was the quote for decades!) Star Trek: Star Trek versus Star Wars;  Star Trek: Kirk meets Uhura – Bar Fight Why is the Rum Gone? How to Distinguish Profits from Cash Flow How to Calculate Inventory Turnover Ratio Favorite Latino Restaurants: Rolando’s  and El Lorito Disclaimer: “Opinions expressed are those of the speaker(s), Melanie Radcliff and Tom Kirkham and are not endorsed by the Summit Brokerage Services, Inc. or its affiliates.  All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy.  Neither the named broker dealer, nor its affiliates offer tax or legal services. ...

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Security and Privacy as a Lifestyle – SPaaL

SPaaL – Dontcha just love all the acronyms? This is one of the most important posts I have ever scribed. Remaining secure and private in this world is something that I take very seriously – you should too. You don’t have to be an executive at a Fortune 500 company or even a small business owner. The fact is, everyone should take security and privacy seriously. In the hacker world, there are “white hats” and “black hats”. White hats are the good guys – or ethical hackers – and work to secure our banks, defense and corporate networks. Black hats are the bad guys, and hack mostly for profit. In between are the ones that make political statements – think Anonymous or Edward Snowden. While really good hackers have skills that take years to master, casual computer users with just a fundamental knowledge of computers and networks can be hackers. Tools are available here and here. Tools to hack are built-in to your computer’s operating system. You can even do it by just buying your way into the business. By far, most of the unethical hacking is done automatically, at scale. Like millions. Malware is emailed through spam or placed on a legitimate websites (none are beyond being hacked). Visit the website or open the email, and bingo, you’ve just been hacked. Whether it ends up holding your data...

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Looking for Cord-Cutters for Upcoming Episode

TBC Podcast is looking for experienced cord-cutters to ask questions about their experiences with doing away with cable. We are expecially interested in the over-50 crowd (and that includes me) that have done away with traditional cable television and live on the web. Besides technical questions, we are especially interested in how has changing your viewing habits affected your leisure time? Do you have more free time for other hobbies or work? Do you watch more or less educational or quality programming? Have you saved any money? Let us know – send you emails to tom <at> tbcpodcast <.> com or on social...

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Tips – The End of Uber As We Know It?

I hate cabs. The end of the ride was always uncomfortable. Digging a credit card or cash out of my pocket, then mentally figuring out a tip is unnecessary and frequently uncomfortable. And then, the frequently higher fares. Uber came along and streamlined this process and made it almost a joy. Once I summon an Uber, that’s it. I know where the car is and how long before it arrives. I know when it arrives. I get in the car, and the driver already knows the destination. At the end of the ride, there is no worrying about finalizing the transaction with grubby cash or clumsy credit card transactions. You simply get out of the car. It’s like getting a ride from a buddy. Clean, friendly, and frictionless. No need to be crass with money. Or, at least that’s what Uber led me to believe. But then I discovered this. Drivers get to rate the passengers. I always thought that if when I unexpectantly throw up in an Uber, my other more frequent uses where I am a normal, friendly citizen would at least keep me in that 4+ star rating. What Uber doesn’t tell you – and won’t – is that the drivers can solicit tips, and some are penalizing you for not tipping. Now, a new ruling means that drivers can place signs in their cars informing passengers that...

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