Dec. 8, 2025

Small Business Taxes

Small Business Taxes

TaxTalk4U.com Trucking, Business and Taxes. What you need to know about business. How to minimize taxes for business. Getting all your deductions that save you money on taxes. For truckers, tax requirements differ significantly depending on whether you are a company driver or an independent owner-operator. Owner-operators file as self-employed business owners, which involves paying quarterly estimated taxes but also allows for claiming many business-related deductions.

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WEBVTT

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The topics and opinions express in the following show are

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solely those of the hosts and their guests and not

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those of W FOURCY Radio. It's employees are affiliates. We

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make no recommendations or endorsements for radio show programs, services,

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or products mentioned on air or on our web. No

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liability explicitor impliedes shall be extended to W FOURCY Radio

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or its employees are affiliates. Any questions or comments should

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be directed to those show hosts. Thank you for choosing

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W FOURCY Radio.

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Barry G.

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Fouler EA brings you tax Talk for you right here

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on W four CY Radio and Talk for TV. As

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an enrolled agent and a national leader in tax resolution

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as well as Trucker bookkeeping and tax planning. With over

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thirty years of experience, Barry will break down taxes, bookkeeping,

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tax planning, and tax relief for individuals and businesses just

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like you. So let's have some tax Talk for you

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with your hosts. Barry Glen.

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Hey, welcome man, another great day. It's a great way

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to start off a week is joining here with me

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at Tax Talk for you.

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Hey.

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You can make sure you catch every single episode or

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if you've missed one. You can go and hear the

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podcast as well if you just go to tax talkforu

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dot com. Hey, you know, today's one of those days

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where you come in and you're ready to go and

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get things started, and.

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Everything that can go wrong does go wrong.

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Realized today that I had a very sick dog at home,

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so decatureday, I needed to get that dog first thing

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this morning to the vet, and I'm going to work

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from home and do this program from home. And we're

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five ten minutes from showtime and realize that I forgot

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to set up the camera, I forgot to set up

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the microphones, I forgot to be ready to go give

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you a great show. So you know, little things go wrong,

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you jump through those hurdles, you get it all done

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in those ten minutes, and now it's like, hey, we've

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got to answer these questions for people that have messages

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in so you know, if you ever have questions during

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the week, we love to build our shows around questions

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that our listeners want to know about. And the biggest

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question we've been getting in the last few weeks and

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it's people that are realizing they're coming to the end

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of the year. They don't have their bookkeeping or their

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accounting and stuff done, and what software should I use? Well,

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let's start off. You know, accounting software or bookkeeping software

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at a minimum should be tracking your financial transactions to

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record and produce a profit and loss, to help you

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improve your business finances, to help you track and figure

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out ways to improve your overall cash flow. You know,

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the core functions of the bookkeeping software should be you know,

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general ledger accounts, payable accounts, receivable, to be able to

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do bank reconciliations, maybe track your bank transactions, purchase orders,

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payment reminders, maybe even payroll services. You know, there's a

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lot of industries out there that would need something that's

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customizable for financial management functions, such as software that's needed

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for nonprofits for fund accounting, or job costing for construction firms,

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or compliance for government contractors. And then there's different ways

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of being able to conduct your accounting processes a single

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or double entry accounting. We're not going to get into

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that part that takes many courses and understanding of the

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different accounting processes. When the software does things like that

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seamlessly behind the scenes. So you know, what key features

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would you be looking for in your bookkeeping software. You know,

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we can break it down into common areas that are

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found in almost all bookkeeping software. Some of them might be

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industry specific. So most software is going to have all

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your core accounting covers revenue, expense tracking, create your financial reports,

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including your cash flow statements, your accounts receivable aging, your

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general ledger, your accounts payable. All these things would basically

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be in your core accounting syst You may have payroll,

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and if you're doing payroll, you may decide you need

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it right within the software. And it could be a

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payroll system that's embedded into quick books or zero or

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fresh Books, or you know, one of the many softwares

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that that's out there. Help you manage employee compensation, calculate

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your wage calculation, direct deposits, check printing, your federal tax payments,

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your federal tax forms, all that are needed through payroll.

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Your bookkeeping or accounting should include billing and invoicing so

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you can pay bills and create send invoices. You know,

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all these things should be in there. Also, calculate your

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sales tax if you haven't to charge sales tax collected

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and pay it, and then track your customer payments via

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a credit card or bank transactions. All software should have

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the ability to be able to do bank reconciliations, even

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importing your bank records, sometimes in real time, and then

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systems can attempt to automatch bank and accounting record so

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you have those features out there.

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Now.

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Other features that are available maybe purchase orders, where you

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create the financial document issued to vendors when you're buying

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supplies or services. Especially if you're doing job costing out there,

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you may need purchase orders so you can apply it

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to the right job. And those purchase orders will include

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such things as product type, quantity, and pricing. So that's

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another item that you might be looking for in your software.

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Maybe you track inventory, so you need inventory management, so

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inventory be tracked as a current asset on the balance sheet,

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and then as it's used, it's going to track the

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costs of goods sold on the income statement as an expense.

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So those are the things that you might be looking

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for in your software.

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Now.

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The most common additional features requested by people looking for

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bookkeeping or accounting software is it, of course, the payroll,

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discuss inventory control, invoicing, job costing, your purchase orders, your

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bank reconciliations, order management, cash management, estimating, and then last

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but not least, budgeting. A lot of the software has

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budgeting in it, but not very many people use it,

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so people are not necessarily looking for the software that

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has the budgeting functions out there. But a lot of

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times are looking for integrations as well, and it could

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be everything from credit card acceptance to that payroll integration,

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maybe some kind of advanced reporting or stronger inventory tracking.

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So you've got to look at all those things. But

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if you can find it in the software that you're choosing,

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sometimes that software works better for you based on your

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needs to make running your business easy as possible. Now

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a lot of places are not going to be on desktop.

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Most are now going to be online, and so you're

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looking at services from different software companies that are online,

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not on your desktop or your laptop, and so you

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may be looking at the different softwares that are out there,

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such as Striven, which I've not heard of before. When

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I started doing research on the best bookkeeping software that's available,

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and Driven was best for service based industries, or Dynamics

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three sixty five, which was best for Microsoft integration, or

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Zoho Books best for growing company net suite. It's a

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good software, not something I'm really recommending. We'll go through

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some of this as we go through this program stage intact,

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it's best for multiple entities, So if you're running two

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or three entities and they roll up into one stage,

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intag might be the best way to go. Custom Books

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is considered to be the best for CPAs, which means

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it is going to be a little more complicated for

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you to be using without the knowledge of being a

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certified public accountant or very experienced accountant. Fresh Books is

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considered best for freelancer. Quick Books Online, they're saying is

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best for online sellers and independent retailers. And my favorite

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software and I'll explain later as we go through this

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is zero. It's considered to be the best overall, and

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I would give them a five star rating out of

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five as well. A lot of times people are asking me,

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you know, hey, I've seen this software or that software.

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Should I use this one? This one's a little bit

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less expensive, this one's a little bit more Can I

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get away with using something that is cheaper or expensive

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or can I just do this in a spreadsheet? Well,

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doing it in a spreadsheet is really considered to be

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a single entry transaction. So all you're doing is taking

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and putting down a list of all your expenses. So

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you may take a spreadsheet and put across the top

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the different categories that you may be deciding you wanted

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to track, and on the left side, going down, you're

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putting the data the transaction and you're putting all the

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transactions in. Hopefully you've got an account column for revenues.

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You put in all your revenues, and then your expenses

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are all going down here and then you total. Are

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you sure you got everything? You're sure you didn't miss anything.

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There's no bank reconciliation in a spreadsheet. So is that

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the right way to go? No, I would say it's

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not the right way to go, even if if you're

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a small business.

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Now, what's going to be the right way?

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Let's take a look at some of these other softwares

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like freshbooks or Zoho Books.

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Right after this quick break.

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We have only scratched the surface of today's show. Please

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stand by as Barry G. Fowler will be right back

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with tax talk for you. If you own the IRS

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or are going through an IRS audit, don't go at

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it alone. Called taxation solutions, tax relief at eight eight

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eight nine three zero one zero one six. We are

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your solution for IRS debts, audits, back taxes, garnishments, leans

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and levees. Whether you're an individual or business, you need

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a solution and a strong aggressive tax resolution. Don't let

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the IRS walk all over you. Stop the IRS now

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call eight eight eight nine three zero one zero you

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O one six or go to Taxationsolutions dot net now

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for a free no obligation consultation. Let's get back to

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tax stock for you with more tax stock once again.

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Here's your host, Barry G.

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Fallon. Hey, welcome back.

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You know, hey, look, if you had trouble with your books,

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maybe you didn't file your taxes correctly and you owe

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the IRS money. Now, maybe you've gone through an audit

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and you couldn't support anything because maybe you were using

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that spreadsheet and you didn't capture all the revenues that

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you had coming in, or maybe you didn't capture all

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your expenses and you need to have representation either in

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an audit or you lost the audit. Now you owe

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a bunch of money, or you just didn't get any

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advice whatsoever, and you owe the IRS money. Hey, give

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taxation solutions tax relief a call at eight eight eight

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nine three zero one zero one six again eight eight

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eight nine three zero one zero one six. Now that

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being said, and you're looking for that software that you

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need to help you in your business, and somebody's recommended

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fresh Books. You know, fresh Books it is good for freelancers,

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independent contractors, solo entrepreneurs, even maybe a micro business maybe

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with two to five. You might find the software useful

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for invoicing time, maybe expense tracking, but getting the reports

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out of fresh Books that you need may not be

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the right software. It's they're not as easily customizable. It's

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very limited in what you can customize out there. There's

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no bulk invoice creation. So if you're somebody that has

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people that you need to send invoices out in bulk

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and similar, it's really hard to do. Reporting does have

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twenty built in reports that they have created to help

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you monitor your financial health, like the profit and loss,

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general ledge or balance sheet, etc. But some of the

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comparisons and customizations that you may want in your business

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and may not be the right tool for you.

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I do know that.

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Fresh Books you can also accept credit card payments and

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ach bank transactions right there in the software, so maybe

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that could be advantage for you. It does allow reoccurring

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invoices and customizable payment terms. Starting price runs about twenty

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one dollars a month, not bad for a starting price

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that's out there. It does limit some of the services

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and everything you can do, but they do allow you

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to go out there and try a demo. The other

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one that we were going to look at is Zoho

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Books and considered to be best for growing companies. It

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supports businesses operating in different countries. Now, most small businesses

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that are operating here, you're not going to be operating

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in different countries, and you're not doing extensive with multi

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currencies or currencies or multi language capabilities. And it does

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integrate and you have to use other payment gateways like Strive, PayPal, Square,

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so you have some flexibility and payment acceptance, But again,

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are those the right way you wanted to go and

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if you're looking to expand your business and operate internationally.

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Zoho is definitely known for scalability and the plans that

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they have. They do offer a free version to some

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very advanced options for mid sized enterprises and each one

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will allow you to add so many users out there,

239
00:16:12.720 --> 00:16:15.080
so it does have a client portal for sales and

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purchase approvals. It's going to integrate again with dozens of

241
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Hoo products and time tracking. Do see that it does

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have some difficulty in modifying invoices and your time tracking

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has to be tied to projects. And it also has

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a maximum of ten users, which you usually in small

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business is probably not that big of a deal. So,

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you know, those are two of the softwares that are

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out there. You know, we've looked at some other ones

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and we're going to keep going through these other softwares

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that are out there. And sometimes doing it yourself isn't

250
00:16:52.559 --> 00:16:56.320
the way that you really need to go. You miss things.

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It's nice to have somebody that you are working with

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00:17:01.159 --> 00:17:03.039
that you know that you can count on. So, like

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if you're in the trucking industry, a company like Trucker

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tax Tools Trucker tax tools dot Com that works exclusively

255
00:17:10.799 --> 00:17:15.559
with truckers and you know, helps truckers with their bookkeeping

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00:17:15.720 --> 00:17:21.000
and their taxes. They not only go through and do

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your bookkeeping, but they're looking for transactions that you might

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be missing, expenses you might be missing in the trucking

259
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industry and to get you to minimize the taxes that

260
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you pay and allow you to maximize your profits, because

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00:17:37.680 --> 00:17:41.759
in a business, your profits not just necessarily your bottom line,

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but it's your bottom line after tax. So if you

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are customizing and making your your bottom line be such

264
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that it's a larger number, and let's just say it's

265
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one hundred thousand dollars and you're going to pay taxes,

266
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is so proprie on that you could be paying upwards

267
00:18:02.359 --> 00:18:05.599
a forty percent tax. That's fifteen point three percent for

268
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Social Security and medicares and twenty five percent for the

269
00:18:10.119 --> 00:18:12.960
federal income tax, and then it add state income tax

270
00:18:12.960 --> 00:18:14.880
on top of that, so maybe you're getting closer to

271
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forty five percent or something, well, forty five cents of

272
00:18:18.400 --> 00:18:21.400
every dollar that you lower that is coming out of

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the tax money, So it's lowering the tax burden. So

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00:18:24.759 --> 00:18:28.319
if you were able to find even a thousand dollars

275
00:18:28.319 --> 00:18:32.039
in savings, it saves you four hundred and fifty to

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00:18:32.799 --> 00:18:36.039
you know, five hundred dollars just right there on the

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00:18:36.079 --> 00:18:39.279
top because of the savings on TAXI. So it does

278
00:18:39.400 --> 00:18:43.640
help your bottom line because of the savings in taxes

279
00:18:43.720 --> 00:18:46.279
as well, and so you don't really want to miss

280
00:18:46.279 --> 00:18:49.160
expense so having somebody on your side like Trucker tax

281
00:18:49.200 --> 00:18:54.440
Tools for the trucking industry becomes extremely important. And in

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this day and age, if people wanting to be a

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00:18:56.799 --> 00:18:59.920
do it yourself or sometimes do it yourselfer is one

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00:19:00.079 --> 00:19:03.880
that's going to cost you more money. And when you're

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00:19:03.880 --> 00:19:08.240
working with truck or tax tools, your bookkeeping fee, your

286
00:19:08.279 --> 00:19:12.920
tax fee is all deductible for your business out there

287
00:19:13.039 --> 00:19:15.400
as an expense because it is a professional that you

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00:19:15.480 --> 00:19:18.279
are hiring to do this for you in your business,

289
00:19:18.359 --> 00:19:20.119
so you'd be able to take advantage of being able

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00:19:20.160 --> 00:19:23.920
to write that off as a business expense. Well, and

291
00:19:24.000 --> 00:19:27.440
if you need bookkeeping, I know we are throwing in

292
00:19:27.720 --> 00:19:31.599
some free bookkeeping for you for twenty twenty five to

293
00:19:31.640 --> 00:19:34.200
get you current, but you've got to give us a

294
00:19:34.240 --> 00:19:37.640
call at eight seven seven nine six six two four

295
00:19:37.759 --> 00:19:41.880
seven seven again eight seven seven nine sixty six two

296
00:19:41.920 --> 00:19:46.079
four seven seven have some great plans for you so

297
00:19:46.119 --> 00:19:48.119
you don't have to do it yourself. You can spend

298
00:19:48.119 --> 00:19:52.000
more time with your family and unless working on your books.

299
00:19:52.440 --> 00:19:54.880
And last thing anybody wants to do when they get

300
00:19:54.960 --> 00:19:58.599
home from traveling across this country transporting goods like you

301
00:19:58.680 --> 00:20:01.000
do in the trucking industry is to sit down and

302
00:20:01.039 --> 00:20:02.319
start working on bookkeeping.

303
00:20:02.680 --> 00:20:03.799
So give give us a.

304
00:20:03.759 --> 00:20:06.440
Call there at eight seven seven nine sixty six two

305
00:20:06.519 --> 00:20:10.279
four seven seven one of the other software out there

306
00:20:10.400 --> 00:20:13.000
that you could use as custom books. Now it's formally

307
00:20:13.039 --> 00:20:16.640
Accounting Suite. It's usually best for CPAs and small to

308
00:20:16.720 --> 00:20:20.720
mid sized businesses when you have anywhere from you know,

309
00:20:20.839 --> 00:20:24.200
five hundred to five hundred employees. It's going to automate

310
00:20:24.640 --> 00:20:29.359
a lot of routine tasks like tax filing, reconciliation, report generation,

311
00:20:29.480 --> 00:20:32.559
account allocations. It's going to allow you to focus on

312
00:20:32.640 --> 00:20:38.480
how higher value activities for clients through strategic advising and

313
00:20:38.599 --> 00:20:42.440
tax planning. That's mainly for CPAs. It starts at nineteen

314
00:20:42.480 --> 00:20:45.039
dollars a month. However the business plan is ninety nine

315
00:20:45.480 --> 00:20:47.680
and ninety nine dollars a month is considered to be

316
00:20:47.680 --> 00:20:52.440
the best option if you're invoicing and billing. And however,

317
00:20:52.920 --> 00:20:58.839
their user interface is crowded, it's tricky to navigate, so

318
00:20:58.920 --> 00:21:01.559
it's going to be a little bit harder to manage.

319
00:21:01.599 --> 00:21:04.599
But it does include inventory management and time tracking if

320
00:21:04.599 --> 00:21:08.519
you're looking for that. There are no additional cost besides

321
00:21:08.640 --> 00:21:13.839
there subscription fee and multiple modes at once via tab

322
00:21:13.960 --> 00:21:17.039
so you can do tabs there and be able to

323
00:21:17.079 --> 00:21:21.880
do different modules right there in the software. It does

324
00:21:21.920 --> 00:21:23.839
not have a mobile app, and it's going to be

325
00:21:23.920 --> 00:21:27.400
less efficient with high volume transactions. And I think it

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00:21:27.480 --> 00:21:28.799
really gets pricey.

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00:21:28.440 --> 00:21:30.400
At ninety nine dollars a month or more.

328
00:21:31.319 --> 00:21:35.599
And if you're not a CPA, I don't recommend or

329
00:21:35.720 --> 00:21:39.000
a professional bookkeeper that's running for many clients. I don't

330
00:21:39.039 --> 00:21:44.119
recommend this software at all to you. So you know

331
00:21:44.359 --> 00:21:46.440
those are the kind of things that you want to

332
00:21:48.000 --> 00:21:51.839
definitely look at and possibly stay away. Hey, we're going

333
00:21:51.920 --> 00:21:56.200
to go through quick books and what it offers after

334
00:21:56.240 --> 00:21:58.599
this break. We'll do that coming up.

335
00:22:00.119 --> 00:22:03.920
Only scratch the surface of today's show. Please stand by

336
00:22:04.000 --> 00:22:07.359
as Barry G. Fowler will be right back with tax

337
00:22:07.440 --> 00:22:13.519
talk for you. As an owner operator, you already spend

338
00:22:13.519 --> 00:22:17.039
too much time away from your family. Trucker Tax Tools

339
00:22:17.119 --> 00:22:20.400
handles all your bookkeeping and taxes. No matter what level

340
00:22:20.440 --> 00:22:23.240
trucker you are, life on the road can be taxing,

341
00:22:23.680 --> 00:22:26.640
but that doesn't mean that your wallet or time with

342
00:22:26.720 --> 00:22:30.680
your family should suffer. Trucker Tax Tools makes your life

343
00:22:30.799 --> 00:22:34.440
run smoothly. Go to Trucker Tax Tools Dot com for

344
00:22:34.559 --> 00:22:37.519
a free guide that will give you the tools to

345
00:22:37.920 --> 00:22:41.920
never worry about your taxes again. Call Trucker Tax Tools

346
00:22:42.079 --> 00:22:46.400
eight seven seven nine sixty six two four seven seven

347
00:22:46.680 --> 00:22:49.799
or go to Trucker tax Tools dot com now and

348
00:22:49.960 --> 00:22:56.240
let the experts keep you trucking. Let's get back to

349
00:22:56.359 --> 00:23:00.000
tax stock for you with more tax stock once again.

350
00:23:00.559 --> 00:23:06.319
Here's your host, Barry G. Fallon. Hey, welcome back.

351
00:23:06.839 --> 00:23:10.039
You know we're talking about bookkeeping and tax software for you.

352
00:23:10.079 --> 00:23:12.480
If you're a do it yourselfer. If you're not a

353
00:23:12.559 --> 00:23:17.000
do it yourselfer, then definitely get some help and finding

354
00:23:17.039 --> 00:23:20.440
a good bookkeeping tax firm that like Trucker Tax Tools

355
00:23:20.440 --> 00:23:24.039
if you're in the trucking industry, to help you get

356
00:23:24.039 --> 00:23:28.079
the most and save the most on your taxes. Minimize

357
00:23:28.079 --> 00:23:30.759
the tax, maximize your profit, keep more money in your

358
00:23:30.799 --> 00:23:34.200
pocket year in and year out, because that is at

359
00:23:34.240 --> 00:23:36.519
the end of the day, is the goal. And you

360
00:23:36.680 --> 00:23:39.160
being a trucker if you're out there or even any

361
00:23:39.200 --> 00:23:42.559
small business person, the end of the day, it's what

362
00:23:42.599 --> 00:23:44.880
you're left with at the end of the month is

363
00:23:45.240 --> 00:23:50.079
where you're looking at. Helping yourself and helping your business grow. Now,

364
00:23:50.160 --> 00:23:53.759
how do you minimize the taxes in the hit at

365
00:23:53.799 --> 00:23:58.519
the end of the year is through good solid bookkeeping.

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Just like or tax tools offers to truckers out there.

367
00:24:04.400 --> 00:24:07.960
You need somebody that can actually work and knows your

368
00:24:08.079 --> 00:24:14.000
industry to maximize your profits for you and your business.

369
00:24:14.359 --> 00:24:17.720
Now it's QuickBooks online the best way to go. I

370
00:24:17.759 --> 00:24:20.519
know QuickBooks is moving away from the desktop, trying to

371
00:24:20.519 --> 00:24:24.279
get everybody online. The QuickBooks desktop used to be my favorite.

372
00:24:24.279 --> 00:24:27.519
I would never have moved away, and they're slowly trying

373
00:24:27.559 --> 00:24:34.000
to get everybody off of QuickBooks desktop into quick Books online,

374
00:24:34.319 --> 00:24:37.400
and the prices continue to go up and skyrocket.

375
00:24:38.519 --> 00:24:39.880
When you're using.

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00:24:41.039 --> 00:24:44.720
Quick books and you're using quick Books online, it can

377
00:24:44.799 --> 00:24:48.640
get pricey. And I've seen people choose the right and

378
00:24:48.720 --> 00:24:53.200
the wrong programs within QuickBooks and what level they need,

379
00:24:53.720 --> 00:24:56.440
and they're paying way more than they should be to

380
00:24:56.559 --> 00:25:01.000
be able to get the information that they need and

381
00:25:01.039 --> 00:25:03.400
then having to pay somebody to come back in and

382
00:25:03.440 --> 00:25:06.759
fix it because it got complicated. But QuickBooks does offer

383
00:25:06.880 --> 00:25:11.400
bank feeds and a reconciliation tool, and you know, they

384
00:25:11.440 --> 00:25:15.880
say it's ideal for companies with a lean back off

385
00:25:15.880 --> 00:25:19.759
of staff and a high transaction volume. That's saying you

386
00:25:19.799 --> 00:25:23.599
can get it set up the right way, and that

387
00:25:23.880 --> 00:25:28.440
you can unify the data from checking savings, merchants, credit

388
00:25:28.440 --> 00:25:33.079
card accounts all into their one live dashboard. If you

389
00:25:33.119 --> 00:25:36.680
can get all that set up and then track it, yes,

390
00:25:36.799 --> 00:25:42.279
that might work out for you. However, after linking your

391
00:25:42.319 --> 00:25:47.640
credit card and your checking accounts and they automatically import

392
00:25:47.680 --> 00:25:53.400
clear transactions into the banking tab daily, it's going to

393
00:25:53.480 --> 00:25:56.079
go into one transaction queue and you've got to go

394
00:25:56.160 --> 00:26:01.039
through then and match and categorize and exclude items in

395
00:26:01.079 --> 00:26:07.519
that transaction queue. But sometimes it gets convoluted. Sometimes you've

396
00:26:07.559 --> 00:26:10.839
got multiple transactions you've done, and if you're not going

397
00:26:10.839 --> 00:26:14.680
through and using the reconciliation function, you can end up

398
00:26:14.680 --> 00:26:18.039
with balances that are completely off than QuickBooks.

399
00:26:19.039 --> 00:26:19.279
You know.

400
00:26:19.720 --> 00:26:22.400
The nice part about it, if you've been using QuickBooks,

401
00:26:22.400 --> 00:26:27.079
it does keep your historical data, and using that historical

402
00:26:27.160 --> 00:26:30.359
data when you're importing transactions, it will auto suggest any

403
00:26:30.440 --> 00:26:35.279
categories and matches against existing bills and invoices. So there

404
00:26:35.319 --> 00:26:40.079
are some nice things in the software that allows you

405
00:26:40.160 --> 00:26:44.759
to cut some corners out there. But again, I don't

406
00:26:44.759 --> 00:26:47.599
believe this software is a do it yourself or software.

407
00:26:47.680 --> 00:26:51.759
This is more of having a accountant or bookkeeper that

408
00:26:52.079 --> 00:26:55.680
is going through the quick Books looking over your shoulder

409
00:26:55.759 --> 00:26:59.640
and making sure that things are done right. And then

410
00:26:59.720 --> 00:27:02.559
you've got to make sure your links to your accounts

411
00:27:02.640 --> 00:27:08.480
are continue to be active month over month so that

412
00:27:08.599 --> 00:27:11.200
you don't ever lose that connection, and when you do,

413
00:27:11.400 --> 00:27:15.119
you get it put back, and then making sure that

414
00:27:15.160 --> 00:27:19.960
you're not importing a second or through third or fourth

415
00:27:20.279 --> 00:27:23.720
transaction for that same amount, just in case the system

416
00:27:23.880 --> 00:27:28.240
misses it. Quick Books does have some rules, and then

417
00:27:29.319 --> 00:27:32.640
in a reconciliation view that's going to let you automate

418
00:27:32.759 --> 00:27:39.319
repetitive transactions and classifications. Like you know, you basically you'll

419
00:27:39.359 --> 00:27:44.079
take every stripe deposit as sales income, but if you

420
00:27:44.160 --> 00:27:47.839
have something that differs from that, you may not be

421
00:27:47.880 --> 00:27:52.319
able to record it that way. So tho's different things

422
00:27:52.359 --> 00:27:56.039
you've got to look at. And then the reconciliation view

423
00:27:56.160 --> 00:28:01.279
aligns each transaction with a corresponding bank enter tree flagging,

424
00:28:02.000 --> 00:28:06.559
duplicates anything that might be mismatched, and then putting those

425
00:28:06.599 --> 00:28:07.680
items for review.

426
00:28:07.799 --> 00:28:10.000
So if you don't know how to go through and do.

427
00:28:09.960 --> 00:28:14.359
That, it makes it a little bit more difficult, so

428
00:28:15.200 --> 00:28:17.759
you may have to click back and forth between invoices,

429
00:28:17.880 --> 00:28:22.559
bank records and everything else. I do like QuickBooks because

430
00:28:22.599 --> 00:28:25.319
you've always been able to drill down and see journals

431
00:28:25.319 --> 00:28:31.920
and audit history, detailed payment lugs, and in their system

432
00:28:32.039 --> 00:28:37.880
you can see what has actually been reconciled as well. Now,

433
00:28:38.039 --> 00:28:41.119
their subscurretion costs typically starts at thirty eight dollars a

434
00:28:41.319 --> 00:28:44.839
user per month, So if you've got multiple people using

435
00:28:44.920 --> 00:28:48.480
the software, you're now talking about thirty eight dollars each

436
00:28:49.000 --> 00:28:53.599
user that you have, and the price can just continue

437
00:28:53.640 --> 00:28:58.400
to go up year over year, and in my opinion,

438
00:28:58.960 --> 00:29:03.400
it is gotten too high for what we're getting out

439
00:29:03.440 --> 00:29:06.880
of the software. Now, we talked about a couple other

440
00:29:07.400 --> 00:29:11.039
software out there, and I'm going to run through one

441
00:29:11.160 --> 00:29:13.640
or two other ones before we get to our highly

442
00:29:13.920 --> 00:29:21.119
recommended software that we recommend, and that's Sage Intact, and

443
00:29:21.160 --> 00:29:26.079
it's best for multiple entities. It gives you consolidated financial

444
00:29:26.119 --> 00:29:30.319
reporting modules, So if you're not running multiple entities, it's

445
00:29:30.400 --> 00:29:34.039
not something you want to get into. The price on

446
00:29:34.400 --> 00:29:40.200
this starts at almost eight thousand, five hundred and eighty

447
00:29:40.240 --> 00:29:45.920
dollars a year, plus two and eighty dollars user a

448
00:29:46.039 --> 00:29:50.480
year for small businesses. Stage Intact. It is not what

449
00:29:50.519 --> 00:29:53.119
you're going to be looking for. This is going to

450
00:29:53.200 --> 00:29:58.680
be a bigger company or companies that need to be

451
00:29:59.039 --> 00:30:04.359
able to fully customize with IT reports, be able to

452
00:30:04.400 --> 00:30:09.759
integrate reports together and consolidate them across the different entities

453
00:30:09.799 --> 00:30:13.000
that are out there. So I don't recommend this unless

454
00:30:13.039 --> 00:30:18.480
you are a larger company. You can avoid that across

455
00:30:18.599 --> 00:30:21.480
the board. The other one I say avoid for a

456
00:30:21.559 --> 00:30:26.559
small business is Dynamics three sixty five. They consider this

457
00:30:26.599 --> 00:30:31.279
to be an EIRP solution combining finance with operations, sales,

458
00:30:31.359 --> 00:30:36.720
customer service, all under familiar Microsoft ecosystem. I've never used it.

459
00:30:36.839 --> 00:30:41.920
I've looked at the free trial of business scent Central.

460
00:30:42.079 --> 00:30:42.880
It does have.

461
00:30:42.839 --> 00:30:47.359
Some customizing that you can do, but you're going to

462
00:30:47.440 --> 00:30:49.839
have to have extensive training to be able to use this.

463
00:30:50.480 --> 00:30:53.359
So it's not something that I highly recommend that you

464
00:30:53.519 --> 00:30:59.119
jump into doing. It's one of those that you know

465
00:30:59.200 --> 00:31:03.920
as get it. It's not the software that is for

466
00:31:04.160 --> 00:31:06.000
small businesses overall.

467
00:31:06.519 --> 00:31:08.400
Now, what is the.

468
00:31:08.359 --> 00:31:12.880
Software that is overall the best in my opinion for

469
00:31:13.319 --> 00:31:18.039
a small business, medium sized business. Maybe a business is

470
00:31:18.119 --> 00:31:22.400
getting off the ground and starting. What's going to provide

471
00:31:22.480 --> 00:31:30.599
you the most opportunity to modify us and make work

472
00:31:31.079 --> 00:31:35.319
across the board. And you know, for us and for

473
00:31:35.440 --> 00:31:39.799
our recommendation, it is zero. When I look at zero,

474
00:31:39.880 --> 00:31:42.960
it gives you a complete package. Now some of the

475
00:31:43.000 --> 00:31:45.400
stuff you've got to use and do, but in a

476
00:31:45.440 --> 00:31:51.880
business itself for accounting and bookkeeping that includes the basic

477
00:31:51.960 --> 00:31:57.359
features everybody should be looking for. Just to get started

478
00:31:57.559 --> 00:32:03.839
off the top Carol Ledger accounts, payable accounts, receivable reporting,

479
00:32:06.119 --> 00:32:13.200
bank transactions and purchase orders, payment reminders, and now they'll

480
00:32:13.240 --> 00:32:17.880
have integrated payroll services as well.

481
00:32:19.319 --> 00:32:23.039
We have only scratched the surface of today's show. Please

482
00:32:23.079 --> 00:32:26.319
stand by as Barry G. Fowler will be right back

483
00:32:26.400 --> 00:32:32.240
with tax talk for you. As an owner operator. You

484
00:32:32.480 --> 00:32:35.920
already spend too much time away from your family. Stop

485
00:32:36.000 --> 00:32:40.359
spending time doing paperwork. Go to Trucker tax tools dot com,

486
00:32:40.440 --> 00:32:44.960
a solution built specifically for truckers. Trucker tax tools dot

487
00:32:45.000 --> 00:32:51.079
Com makes your life run smoothly. Let's get back to

488
00:32:51.200 --> 00:32:54.920
tax stock for you with more tax stock once again,

489
00:32:55.400 --> 00:32:57.319
here's your host, Barry G.

490
00:32:57.599 --> 00:32:57.920
Fowler.

491
00:33:00.279 --> 00:33:02.079
Hey, I told you it was one of those days.

492
00:33:03.200 --> 00:33:06.880
My computer got unplugged. I kicked the cord and all

493
00:33:06.880 --> 00:33:10.000
of a sudden the battery shut down. So hey, we're

494
00:33:10.000 --> 00:33:11.920
at least we're back. We're you know, we're talking about

495
00:33:11.920 --> 00:33:14.279
this fun stuff of accounting software. I think my computer

496
00:33:14.359 --> 00:33:23.240
didn't like the discussion of accounting and bookkeeping software. It

497
00:33:23.240 --> 00:33:25.759
doesn't want to work online, I think, is what it

498
00:33:25.799 --> 00:33:29.680
came down to. It wants a desktop version, something that

499
00:33:29.720 --> 00:33:32.799
I can sit here and manipulate, not be required to

500
00:33:32.839 --> 00:33:37.200
be on Wi Fi or be on the internet. But anyway,

501
00:33:37.279 --> 00:33:42.680
we're talking about Zero's software and what I considered to

502
00:33:42.720 --> 00:33:47.559
be the best overall. Their invoicing module gives you plenty

503
00:33:47.640 --> 00:33:52.359
of customization options. It can tueak it with sponts, and

504
00:33:54.440 --> 00:33:57.799
he has some invoice tent plates which are kind of

505
00:33:57.880 --> 00:34:02.400
advanced for you if you're doing invoicing. It takes a

506
00:34:02.440 --> 00:34:05.279
little extra effort to set them up, but the flexibility

507
00:34:05.519 --> 00:34:09.480
is really nice. You can use Microsoft Word to format

508
00:34:09.519 --> 00:34:14.000
those invoices however you like and add images, adjusting colors

509
00:34:14.239 --> 00:34:17.800
instead of being stuck with something that's pre built out there.

510
00:34:17.960 --> 00:34:20.440
And yes, it takes a little time to do it,

511
00:34:20.760 --> 00:34:23.719
but it's really easy, and then once it's there, you

512
00:34:23.840 --> 00:34:29.039
have that file for future use. Zero also makes reoccurring

513
00:34:29.039 --> 00:34:32.000
invoices simple. So if you had a business where you

514
00:34:32.119 --> 00:34:35.960
need to do reoccurring invoicing, you know whether it's monthly, weekly,

515
00:34:37.480 --> 00:34:40.840
Zero makes it simple and you just need to set

516
00:34:40.880 --> 00:34:44.480
the start date and date, pick the customer, add the lines,

517
00:34:44.679 --> 00:34:49.719
and then you can also send automated invoice reminders and

518
00:34:51.159 --> 00:34:55.119
then choose whether to save drafts or approve them. It

519
00:34:55.239 --> 00:34:57.920
makes it a little bit function a little bit easier.

520
00:34:59.400 --> 00:35:02.599
Now if you're doing a lot of invoicing and everything else.

521
00:35:02.639 --> 00:35:05.599
Their early plan, their beginning plan. Going to CAP you

522
00:35:05.679 --> 00:35:09.840
only had twenty invoices, but you know that early plan

523
00:35:10.000 --> 00:35:13.000
and everything can start at like twenty dollars a month,

524
00:35:14.039 --> 00:35:16.639
which really isn't bad. And then you know, if you

525
00:35:16.719 --> 00:35:19.679
go to the next plan up, you're talking about forty

526
00:35:19.679 --> 00:35:23.440
seven dollars a month. And now you've got unlimited invoicing

527
00:35:23.559 --> 00:35:27.679
in quotes. But you're going to have to rely on

528
00:35:27.760 --> 00:35:31.519
a third party for like Gusto or somebody for payroll.

529
00:35:32.440 --> 00:35:36.000
But good news is, I've talked to my rep over

530
00:35:36.119 --> 00:35:42.199
at zero and Gusto is now integrated with Zero. You're

531
00:35:42.239 --> 00:35:44.239
going to be able to do your payroll right there

532
00:35:44.280 --> 00:35:49.559
from your zero account. For what you're going to be

533
00:35:49.719 --> 00:35:55.119
able to use and do. Now we talk about reporting

534
00:35:55.159 --> 00:35:58.280
and everything else. The reporting on this is really gives

535
00:35:58.320 --> 00:35:59.400
you some flexibility.

536
00:36:00.280 --> 00:36:02.480
It allows you to.

537
00:36:01.920 --> 00:36:04.559
Do reports and if you're maybe running multiple entities, and

538
00:36:04.599 --> 00:36:06.519
allow you to do reports that you can use over

539
00:36:06.639 --> 00:36:09.639
multiple entities. But for your entity, you'll be able to

540
00:36:09.679 --> 00:36:13.119
do comparisons year to year, month to month, things that

541
00:36:13.280 --> 00:36:17.800
you can definitely look at to decide, hey, is this

542
00:36:18.639 --> 00:36:20.480
right for my business?

543
00:36:20.639 --> 00:36:23.280
Now. It does have a basic.

544
00:36:23.000 --> 00:36:28.039
Inventory management capability in it, but you can also add

545
00:36:28.239 --> 00:36:32.920
modules in here, including like job costing. It does give

546
00:36:32.960 --> 00:36:37.440
you a free trial and no setup fees, and navigation

547
00:36:37.719 --> 00:36:42.000
is very much user friendly. It's really nice to be

548
00:36:42.079 --> 00:36:45.119
able to go in and see and you've got a

549
00:36:45.199 --> 00:36:48.360
dashboard and to be able to see right there what's happening.

550
00:36:48.400 --> 00:36:51.599
Even in your bank accounts. If you link your accounts,

551
00:36:52.000 --> 00:36:59.559
the functionality within zero allows you to be able to

552
00:36:59.599 --> 00:37:03.840
sit there and bring those transactions real time as it's

553
00:37:03.880 --> 00:37:06.320
going through your bank if you got it linked, and

554
00:37:06.360 --> 00:37:09.519
then you'll be able to say, hey, yes, bring that in, reconcile,

555
00:37:09.679 --> 00:37:12.719
match it, all that and it's done there on that dashboard.

556
00:37:12.760 --> 00:37:15.760
You just click on that account, including your credit cards

557
00:37:15.880 --> 00:37:20.199
and other things, so it's really nice. Now you're kind

558
00:37:20.239 --> 00:37:23.840
of limited in the starting plan also to two thousand

559
00:37:23.880 --> 00:37:29.239
transactions per month and then it doesn't give you paid

560
00:37:29.320 --> 00:37:33.280
notification alerts. But if you are in zero, you are

561
00:37:33.400 --> 00:37:39.199
again going to be using something different for collections. So

562
00:37:39.840 --> 00:37:46.199
you may be integrating with PayPal, strive Go cardless and

563
00:37:47.039 --> 00:37:49.239
they can click on the link on their invoice and

564
00:37:49.280 --> 00:37:54.599
pay it directly through one of those services. But any

565
00:37:54.639 --> 00:37:58.119
service that you use, you can modify your invoice to

566
00:37:58.199 --> 00:38:00.480
be able to allow them to be able to go

567
00:38:00.559 --> 00:38:06.480
pay it directly from whatever provider you're using, and they

568
00:38:06.480 --> 00:38:09.920
can go in and pay that invoice through again, you know,

569
00:38:10.039 --> 00:38:12.960
like the Palace, dride Go cardless. And I'm not recommending

570
00:38:12.960 --> 00:38:17.199
any of those because sometimes those fees can be those services,

571
00:38:17.599 --> 00:38:21.280
so it's not something that I would recommend. Oh my

572
00:38:21.360 --> 00:38:25.159
dog's okay, but you know it's one of those days.

573
00:38:26.519 --> 00:38:29.480
But zero does give you that flexibility. Now, they have

574
00:38:29.519 --> 00:38:34.679
some other higher plans out there. The zero fees out there,

575
00:38:35.199 --> 00:38:38.000
you know, can get up to eighty ninety dollars a

576
00:38:38.079 --> 00:38:45.000
month for the highest highest plan, and you know, you

577
00:38:45.199 --> 00:38:48.039
just got to decide, you know, what kind of plan

578
00:38:48.159 --> 00:38:54.719
that you need to be on and being on those plans.

579
00:38:54.280 --> 00:38:58.440
And it can be a benefit for you. It does.

580
00:38:58.599 --> 00:39:02.320
You know, the other nice thing about Zero's accounting software,

581
00:39:02.840 --> 00:39:08.559
it does also deal with you know, other currencies as well.

582
00:39:08.719 --> 00:39:13.960
So if you're looking at the different plans, your early

583
00:39:14.039 --> 00:39:16.960
plan is twenty five dollars, you're growing is fifty five,

584
00:39:17.159 --> 00:39:21.679
and you're established is now ninety dollars. And it's not

585
00:39:21.880 --> 00:39:25.599
per user. It is for the software, So if you

586
00:39:25.679 --> 00:39:29.199
got multiple people using it, it doesn't matter which one

587
00:39:29.239 --> 00:39:32.559
of them you can go through and do. Now, remember

588
00:39:32.599 --> 00:39:36.440
the early plan you're limited to twenty Any of the

589
00:39:36.480 --> 00:39:41.199
other plans going out you're going to have unlimited. You

590
00:39:41.199 --> 00:39:45.800
can accept invoice payments online using a third person provider.

591
00:39:46.960 --> 00:39:49.639
Early plan only allows you to do five bills, But

592
00:39:49.719 --> 00:39:52.480
I mean you're talking about difference between twenty five and

593
00:39:52.519 --> 00:39:55.800
fifty five with the fifty five that's out there, and

594
00:39:56.360 --> 00:39:58.519
you know they can save you some money too because

595
00:40:00.239 --> 00:40:05.400
they have some discounts and everything else out there. Another

596
00:40:05.519 --> 00:40:08.679
nice thing that they have embedded in here is ten

597
00:40:08.760 --> 00:40:13.480
ninety nine management W nine Management. They're going to be

598
00:40:13.599 --> 00:40:19.119
doing some stuff out there with ten ninety nine's and everything,

599
00:40:19.239 --> 00:40:23.119
so you can do that. You can customize your graphs

600
00:40:23.159 --> 00:40:28.400
and dashboards in the higher plans that are out there,

601
00:40:28.639 --> 00:40:31.519
so you know, hey, this is what I go recond

602
00:40:31.760 --> 00:40:36.039
so really really makes it nice. And the nice part

603
00:40:36.159 --> 00:40:41.000
is is Gusto is now becoming graded to now you know.

604
00:40:41.039 --> 00:40:43.519
The fun part is is you know, when you're sitting

605
00:40:43.559 --> 00:40:45.719
down and looking at this is how much time do

606
00:40:45.880 --> 00:40:48.440
you want to spend doing this? Do you want to

607
00:40:48.480 --> 00:40:53.559
spend your time doing bookkeeping or would you rather streamline it?

608
00:40:53.840 --> 00:40:56.880
Would you rather have a professional that's out there working

609
00:40:56.960 --> 00:40:59.559
with you. This is something you've got to evaluate. What

610
00:40:59.679 --> 00:41:03.440
is your time worth? What is your freedom worth? If

611
00:41:03.440 --> 00:41:05.880
your freedom isn't worth what you're going to pay for

612
00:41:05.920 --> 00:41:08.679
somebody to do a service like this for you, then

613
00:41:09.159 --> 00:41:12.599
do it yourself. Just remember you might be missing more

614
00:41:13.239 --> 00:41:16.840
expenses or you're recording too many expenses and do you

615
00:41:17.000 --> 00:41:20.719
end up with higher taxes or an audit and was

616
00:41:20.760 --> 00:41:23.920
it worth it to do it? Then the things you've

617
00:41:23.960 --> 00:41:26.880
got to go through and evaluate. If you are a

618
00:41:27.079 --> 00:41:31.079
trucker owner operator, hey, I recommend all the time because

619
00:41:31.199 --> 00:41:32.039
I know how it is.

620
00:41:32.159 --> 00:41:34.719
We're at the truck shows, We're talking to truckers daily.

621
00:41:35.119 --> 00:41:40.599
I present at oh Ida Owner Operator Independent Drivers Association

622
00:41:41.199 --> 00:41:44.880
and talking to truckers about bookkeeping and taxes, teaching people.

623
00:41:44.719 --> 00:41:47.119
How to do this themselves and what's the right way

624
00:41:47.199 --> 00:41:47.639
to do this.

625
00:41:48.159 --> 00:41:50.400
And one of the biggest things that I get is

626
00:41:50.519 --> 00:41:53.719
my freedom and my time is worth much more then

627
00:41:54.199 --> 00:41:56.719
the little bit the trucker tax toules is going to

628
00:41:56.760 --> 00:41:59.679
be charging. So get a service, get somebody that's going

629
00:41:59.719 --> 00:42:03.119
to stay behind you and know what is the right

630
00:42:03.199 --> 00:42:06.119
deduction is taken for your business. And it doesn't matter

631
00:42:06.119 --> 00:42:10.480
whether you're a trucker, you're a retailer, you're consultant, and

632
00:42:11.000 --> 00:42:15.679
whatever other business you may be in. Using a bookkeeping

633
00:42:15.760 --> 00:42:19.239
service becomes worthwhile as long as they know what they're

634
00:42:19.239 --> 00:42:22.920
doing and you know you're not having to pay the

635
00:42:23.039 --> 00:42:28.079
costs of fifty dollars a month for a software where

636
00:42:28.119 --> 00:42:31.400
the bookkeeping and tax firm is going to absorb that

637
00:42:31.559 --> 00:42:35.159
into their fees for the most part. And so if

638
00:42:35.199 --> 00:42:37.679
you're in quick Books and you're paying over one hundred

639
00:42:37.679 --> 00:42:40.119
and twenty five dollars a month for your software and

640
00:42:40.199 --> 00:42:42.920
you can get it for fifty five, there's the savings

641
00:42:42.920 --> 00:42:43.360
for you.

642
00:42:43.360 --> 00:42:44.559
Right there as well.

643
00:42:44.880 --> 00:42:48.320
So at truck or Taxles, give us a call where

644
00:42:48.320 --> 00:42:50.760
we got great specials going on. You call us at

645
00:42:50.760 --> 00:42:54.320
eight seven seven nine six six two four seven seven

646
00:42:54.360 --> 00:42:57.400
again eight seven seven nine six six two four seven

647
00:42:57.480 --> 00:43:02.519
seven to get your bookkeeper on track. And your bookkeeping

648
00:43:02.679 --> 00:43:07.880
is your GPS to your financial freedom, your financial wealth,

649
00:43:08.360 --> 00:43:11.400
knowing where you're going to go. Hey, you know so

650
00:43:11.800 --> 00:43:14.760
in time, run so quick, and we have so much fun.

651
00:43:14.800 --> 00:43:17.239
We can try to get out so much information, and

652
00:43:17.760 --> 00:43:20.039
you know, I know you can't necessarily be here every.

653
00:43:19.960 --> 00:43:22.840
Day all the time when we are on.

654
00:43:23.039 --> 00:43:26.960
So you can connect with us at tax talkforu dot com.

655
00:43:27.360 --> 00:43:30.079
Go follow us over there, go to our Facebook page or.

656
00:43:30.000 --> 00:43:37.280
Instagram for TikTok and see us and get our information

657
00:43:37.360 --> 00:43:40.239
out there. Watch our podcast. You can go to iHeart

658
00:43:40.280 --> 00:43:43.239
and all the other podcast hosting sites. Look for tax

659
00:43:43.280 --> 00:43:47.679
Talk for You. We're on Mondays every Monday at ten

660
00:43:47.719 --> 00:43:51.000
am Eastern Time, right here on W four c Y Radio.

661
00:43:51.559 --> 00:43:54.519
Don't forget to join us. If you've followed us over

662
00:43:54.599 --> 00:43:58.199
at tax talkfor you dot com, you get reminders of

663
00:43:58.760 --> 00:44:02.079
the show coming up, and then join us every single

664
00:44:02.079 --> 00:44:06.159
week Monday's ten eight short time. Also, if you connect

665
00:44:06.199 --> 00:44:09.400
with us over at Trucker Tax Tools or Taxation Solutions

666
00:44:09.480 --> 00:44:13.800
dot net again. Our Facebook pages will show these programs

667
00:44:14.079 --> 00:44:16.920
right there live on our Facebook page as well, so

668
00:44:17.400 --> 00:44:19.719
give you multiple opportunities to find us.

669
00:44:19.960 --> 00:44:20.719
Hey, thank you.

670
00:44:21.199 --> 00:44:25.320
You have a god blessed and glorious week. Hey, when

671
00:44:25.320 --> 00:44:28.280
you have the time, spend that time, enjoy the family.

672
00:44:29.039 --> 00:44:30.760
This is the time of the year to do it

673
00:44:30.840 --> 00:44:34.079
more than any other time. Take the downtime to do that.

674
00:44:34.239 --> 00:44:36.760
Get out of bookkeeping. Call us at Trucker Tax Tools.

675
00:44:36.840 --> 00:44:39.400
Let us handle it, and we'll see you next week.

676
00:44:39.639 --> 00:44:43.039
Right here a w FOSY Radio dot com at ten

677
00:44:43.079 --> 00:44:46.840
am Eastern time, mondays, see you next week.

678
00:44:48.239 --> 00:44:51.400
Are you an individual or business that wants to understand

679
00:44:51.480 --> 00:44:54.800
taxes and how they affect you. Are you looking for

680
00:44:54.920 --> 00:44:59.920
specific tax advice for self employed business owners in truck

681
00:45:00.920 --> 00:45:04.960
Are you behind on taxes and your bookkeeping? Are you

682
00:45:05.079 --> 00:45:08.039
dealing with the irs and ready to have some relief,

683
00:45:08.880 --> 00:45:12.679
Then you need Tax Talk for You, hosted by tax

684
00:45:12.760 --> 00:45:17.280
and Trucker expert Barry G. Fower EA. Tune in ten

685
00:45:17.360 --> 00:45:21.079
am Eastern time every Monday right here on W four

686
00:45:21.079 --> 00:45:24.599
CY Radio and Talk for TV. Don't forget to check

687
00:45:24.719 --> 00:45:29.519
this and past episodes at tax TALKFORU dot com. See

688
00:45:29.559 --> 00:45:34.639
you next week. At W fourcy dot com.