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How Long Should You Keep Financial Records? A Simple Guide
Not sure what financial paperwork to keep or toss? Here's a simple, practical guide to what to hold onto, what you can shred, and for how long.

Melissa Smallwood
Sep 224 min read


Is a 0% Balance Transfer Card the Right Move for Your Credit Card Debt?
If credit card debt is keeping you up at night, a 0% balance transfer card might help, but it's not a fix on its own. Here's how they work and what to check before you apply.

Melissa Smallwood
Sep 224 min read


Hiring Your First Employee in Arizona: An 8-Step Checklist
Bringing on your first employee is a real milestone, and it comes with real responsibilities. Here's the 8-step checklist to get your business set up right before that first paycheck goes out.

Melissa Smallwood
Sep 224 min read


Do You Need a W9 From Someone You Paid? Here's How to Tell
Growing your business is exciting, but if your systems haven't grown with it, things start feeling harder than they should. Here are three signs it's time to build a stronger foundation.

Melissa Smallwood
Sep 224 min read


Tax Documents Checklist: What to Gather Before Filing This Year
Growing your business is exciting, but if your systems haven't grown with it, things start feeling harder than they should. Here are three signs it's time to build a stronger foundation.

Melissa Smallwood
Sep 224 min read


Can You Expense Charitable Donations Through Your Business? Here's the Real Answer
Growing your business is exciting, but if your systems haven't grown with it, things start feeling harder than they should. Here are three signs it's time to build a stronger foundation.

Melissa Smallwood
Sep 225 min read


Quarterly Estimated Taxes: How to Avoid an IRS Surprise at Tax Time
Growing your business is exciting, but if your systems haven't grown with it, things start feeling harder than they should. Here are three signs it's time to build a stronger foundation.

Melissa Smallwood
Sep 225 min read


Has Your Business Outgrown Your Systems? Here's How to Tell.
Growing your business is exciting, but if your systems haven't grown with it, things start feeling harder than they should. Here are three signs it's time to build a stronger foundation.

Melissa Smallwood
Aug 194 min read


Sole Proprietorship vs. LLC: Which One Is Right for Your Business?
Thinking about starting a business? One of your first decisions is how to structure it. Here's how sole proprietorships and LLCs actually compare, so you can choose what fits your risk and your goals.

Melissa Smallwood
Aug 194 min read


Self-Employment Tax Explained: What Arizona Freelancers and Business Owners Actually Owe
If you work for yourself, self-employment tax is one of the first things you need to understand. Here's what that 15.3% actually covers, how it's calculated, and how to plan for it instead of being surprised.

Melissa Smallwood
Aug 194 min read
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