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	<title>Bernadette Speaks - Small Business Authority!</title>
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	<link>http://bernadettespeaks.com</link>
	<description>Keeping Small Business.....IN BUSINESS!</description>
	<lastBuildDate>Fri, 13 Aug 2010 00:47:13 +0000</lastBuildDate>
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		<title>Learning From The Mistakes of Others</title>
		<link>http://bernadettespeaks.com/2010/08/learning-from-the-mistakes-of-others/</link>
		<comments>http://bernadettespeaks.com/2010/08/learning-from-the-mistakes-of-others/#comments</comments>
		<pubDate>Fri, 13 Aug 2010 00:47:13 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Bernadette Johnson-Hairl]]></category>
		<category><![CDATA[By The Book Accounting]]></category>
		<category><![CDATA[Running A Small Business]]></category>
		<category><![CDATA[Starting A Small Business]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=512</guid>
		<description><![CDATA[Over the years, I have heard the frustration of many of my clients  and friends.  Most of them are not happy on their jobs.  They feel  overworked and underpaid.  Others feel they are not appreciated or are  taken for granted. Then you have the business owners who didn’t  realize it would [...]


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		<slash:comments>0</slash:comments>
		</item>
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		<title>I Owe The IRS &amp; I Cannot Pay…..HELP!!!!</title>
		<link>http://bernadettespeaks.com/2009/04/i-owe-the-irs-i-cannot-pay%e2%80%a6help/</link>
		<comments>http://bernadettespeaks.com/2009/04/i-owe-the-irs-i-cannot-pay%e2%80%a6help/#comments</comments>
		<pubDate>Tue, 14 Apr 2009 14:51:38 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Installment Agreements]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[Payment Arrangements]]></category>
		<category><![CDATA[Tax Debt]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=236</guid>
		<description><![CDATA[Don't panic.....you have options! The first piece of advice I would give is do not ignore the IRS. Contrary to what many people think, they will work with you. The IRS does not want to take your car, house or seize your bank accounts. They want you to pay your taxes.




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		<slash:comments>0</slash:comments>
		</item>
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		<title>Tax Planning is a Part of Pre-Marital Counseling</title>
		<link>http://bernadettespeaks.com/2009/04/tax-planning-is-a-part-of-pre-marital-counseling/</link>
		<comments>http://bernadettespeaks.com/2009/04/tax-planning-is-a-part-of-pre-marital-counseling/#comments</comments>
		<pubDate>Sat, 11 Apr 2009 01:46:53 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[filing status]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[wedding planning]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=232</guid>
		<description><![CDATA[I know taxes are not high on the list of most romantic subjects, but when you and your sweetie are thinking about tying the knot but you should definitely consider the tax consequences. So, be sure to add tax planning to your wedding to do list.  


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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Give Yourself A Raise</title>
		<link>http://bernadettespeaks.com/2009/03/give-yourself-a-raise/</link>
		<comments>http://bernadettespeaks.com/2009/03/give-yourself-a-raise/#comments</comments>
		<pubDate>Sat, 21 Mar 2009 23:07:14 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Bernadette Speaks]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Bernadette Johnson-Hairl]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[raise]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=225</guid>
		<description><![CDATA[With the uncertainties of the economy, many Americans are finding themselves looking for ways to cut back.  Some are driving less to save on gas.  Others are cooking more at home to cut down on the expense of eating out.  Those are all very good ways to cut back.  I'd like to suggest another way to increase what you bring home....or as this post is titled....GIVE YOURSELF A RAISE!


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		<slash:comments>2</slash:comments>
		</item>
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		<title>IS MY STIMULUS PAYMENT TAXABLE????</title>
		<link>http://bernadettespeaks.com/2009/02/is-my-stimulus-payment-taxable/</link>
		<comments>http://bernadettespeaks.com/2009/02/is-my-stimulus-payment-taxable/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 20:07:33 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Bernadette Speaks]]></category>
		<category><![CDATA[refunds]]></category>
		<category><![CDATA[stimulus_payments]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=222</guid>
		<description><![CDATA[NO! I&#8217;ve been getting lots of phone calls and emails from clients, family and friends.  Just to clear things up, it&#8217;s not taxable. The amount is needed to determine if you are entitled to an additional credit. This is called the Recovery Rebate Credit. Here are some reasons you would qualify for the credit.
 

If you [...]


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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>WARNING: THE IRS DOESN’T SEND UNSOLICITED EMAILS!!!</title>
		<link>http://bernadettespeaks.com/2008/12/warning-the-irs-doesn%e2%80%99t-send-unsolicited-emails/</link>
		<comments>http://bernadettespeaks.com/2008/12/warning-the-irs-doesn%e2%80%99t-send-unsolicited-emails/#comments</comments>
		<pubDate>Thu, 18 Dec 2008 10:52:05 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[email scams]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[refunds]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=201</guid>
		<description><![CDATA[I often times get forwarded emails from clients asking &#8220;is this true?&#8221;.  They generally have an email &#8220;supposedly&#8221; from the IRS saying that they have a refund and all they have to do is&#8230;.&#8221;click on this link&#8221; to claim it.  YEAH RIGHT!!!
BEWARE!!!!!  It&#8217;s a scam!!!!!
Here are a few facts about the IRS that you might [...]


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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TIPS ON SELECTING A TAX ACCOUNTANT</title>
		<link>http://bernadettespeaks.com/2008/12/tips-on-selecting-a-tax-accountant/</link>
		<comments>http://bernadettespeaks.com/2008/12/tips-on-selecting-a-tax-accountant/#comments</comments>
		<pubDate>Mon, 15 Dec 2008 15:00:18 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[choosing an accountant]]></category>
		<category><![CDATA[guarantees]]></category>
		<category><![CDATA[tax accountants]]></category>
		<category><![CDATA[tax code]]></category>
		<category><![CDATA[tax returns]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=190</guid>
		<description><![CDATA[As our lives progress and things change, our taxes tend to become more complicated. Now you own a home, have rental property or even a part-time business. Not to mention all the recent changes in the tax laws. Who can keep up?

Whether you file your taxes yourself or pay someone else to file them, you are ultimately responsible for what is reported on your tax return. So choosing a tax preparer is a task that you should not take lightly.


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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who else needs a GREAT accountant?</title>
		<link>http://bernadettespeaks.com/2008/12/who-else-needs-a-great-accountant/</link>
		<comments>http://bernadettespeaks.com/2008/12/who-else-needs-a-great-accountant/#comments</comments>
		<pubDate>Sat, 06 Dec 2008 17:00:28 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Small Business]]></category>
		<category><![CDATA[accountants]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[relationships]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=179</guid>
		<description><![CDATA[You will never believe what happened to me this week&#8230;..I had a free phone consultation with a new prospect on Tuesday. After 15 minutes on the phone, she was sold. I&#8217;m sure the fact that I was highly recommended by a current client helped a great deal. We ended the conversation with her stated that [...]


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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>12 Common Bookkeeping Mistakes</title>
		<link>http://bernadettespeaks.com/2008/12/12-common-bookkeeping-mistakes/</link>
		<comments>http://bernadettespeaks.com/2008/12/12-common-bookkeeping-mistakes/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 16:22:19 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Bookkeeping]]></category>
		<category><![CDATA[Recordkeeping]]></category>
		<category><![CDATA[tax deductions]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=174</guid>
		<description><![CDATA[12 Common Bookkeeping Mistakes to Avoid
1. Commingling funds &#8211; So many business owners are guilty of either using the business account to pay for personal expenses or paying business expenses through the personal account. This is a big NO NO!
2. Misclassifying workers &#8211; Times are tough and staffs are getting smaller and smaller. Many business [...]


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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>4 Misused Deductions for Realtors</title>
		<link>http://bernadettespeaks.com/2008/11/4-commonly-misused-deductions-for-realtors/</link>
		<comments>http://bernadettespeaks.com/2008/11/4-commonly-misused-deductions-for-realtors/#comments</comments>
		<pubDate>Thu, 13 Nov 2008 16:00:05 +0000</pubDate>
		<dc:creator>Bernadette Johnson-Hairl</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[realtors]]></category>
		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://bernadettespeaks.com/?p=85</guid>
		<description><![CDATA[To be effective in any business, not only must you do a good job at selling your product or service, but it is imperative that you keep good records.  Tax records are no exception to the rule.  Did you know that when you don’t keep up with your expenses, you end up overpaying your taxes?  Tax rates are high enough, and there’s no need to pay more than your share.  


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