Sohail Afzal, CPA, CMA, MBA

steven matos toronto cpa

Sohail Afzal, CPA, CMA, MBA

Chartered Professional Accountant

Sohail Afzal (CPA, CMA, MBA) is a Chartered Professional Accountant who has extensive experience in accounting and taxation. He is a highly experiencd businessman himself and understands the challenges that many businesses face when it comes to cash flow management. As an experienced business consultant & tax advisor, he is helping companies grow by providing the technical, financial, and contractual information necessary for strategic decision-making.

Sohail has been in the finance and accounting industry for many years. Because of his diverse client portfolio and background in business, he understands what businesses need and how to use legitimate tax strategies to reduce tax liability and maximize tax credits. Because of Sohail's business background, he is able to pair bookkeeping and tax services with management consulting providing an edge over other similar accounting firms which only focus on computing taxes.

Committed to the digital revolution, Sohail always prefers a little more communication and proximity with his clients for a more fluid sharing of information. "Our approach is always proactive, we always encourage our clients to reach out to us as many times as they want without any additional cost because we believe in establishing long-term & trustworthy relationships," he told the Toronto Star..

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How to Create a Winning Business Plan for Your Small Business

How to Create a Winning Business Plan for Your Small Business

Ready to dive into starting that small business you’ve dreamed of? We know it feels both exciting and a little overwhelming. Everything from coming up with a great idea to understanding the market to finding funding to think about — it's daunting, no two ways about it.

But before you begin this grand entrepreneurial journey, you’ll want to have the proper roadmap — a business plan. Where a great idea is the ambition and vision, the business plan is what kicks off bringing it to life.

If your business plan feels like a map charting the way to success, what is it composed of? And how do you make sure it serves you and your business in the long run?

In this article, we will explore the elements you need to construct a winning and well-thought-out business plan, followed by tips to help you design one that fits your needs! Time to start sailing towards your small business dreams!

Understand the Big Picture 

As a small business owner, it's all about making the right moves – starting with formulating your business plan. First, figure out what you want to get out of it: Are you seeking financial backers, a loan from the bank, or simply looking to lay out your goals?

Then, you must consider who will be all eyes and ears when you present your plan – your big-time audience is paramount to its success. Potential participants could include investors, lenders or any partners that join in on the fun. Once you figure out your peeps, you can revise and tailor the plan to meet their interests.

The big picture for your business must be on your radar now more than ever. All the answers to your goals and ambitions are there for the taking. Keep focused on your plan; those hand-in-glove outcomes could be closer than you think!

Analyze Your Market 

Keeping tabs on details like demographics, competition, and economic trends can help inform more successful business decisions.

Gain valuable insights from your target market's age range, income levels, and buying habits. From there, make data-driven marketing investments that truly center on your customers' needs.

Even better, your analysis should go beyond demographics, branching out to studying how your competition fares. Doing this allows you to craft competitive strategies and some friendly outmaneuvering. Did somebody say differentiation?!

Last, but not least, pay close attention to economic trends. If you spot irregular shifts, you can swiftly react to ensure your business structure isn't rocked to its core.

Overall, taking the time to analyze your market is crucial in setting up any business for success in the present and future.

Set Realistic Financial Goals 

For small businesses, setting realistic financial goals is a critical task. Determining their start-up costs should be the first step. What should this include? Everything, from materials to legal fees.

But it's not just the beginning. An accurate cash flow evaluation is necessary to uncover discrepancies between money coming in and going out. Setting realistic sales goals over the next few years will ensure true potential.

Need assistance with your financial difficulties? Your company's financial health may be calculated, assessed, and tracked with the help of our accounting firm. Your goals will be made attainable and practical by our team of experts, paving the road for your company's growth.

Identify Your Unique Selling Point

Unleash Your Unique Selling Proposition (USP) to Outperform Your Competition as Your Secret Weapon

In the competitive corporate world of today, standing out is crucial. But how can you set yourself apart? Your USP, or unique selling proposition, makes you stand out.

Are you prepared to find your hidden advantages? It's time to consider what makes you unique. Make a list of your notable features and solicit feedback from happy consumers. With this information, you'll have a greater understanding of your advantages. It's time to unleash your imagination and transform your branding and marketing efforts after determining your USP. Showcase your distinctive qualities and leave your rivals in the dust. Simply follow these instructions to see your business succeed!

Final Words

Ever dreamed of seeing your wildest aspirations become reality? Well, now’s the time to take your leap of faith as an entrepreneurial master! Yes, starting a business may seem as daunting as fending off dragons, yet fear not. We have the perfect solution for creating a proactive and successful business plan. Contact us today for reliable assistance to propel you high above your rivals and to tremendous success! Don’t wait - opportunities like this rarely happen twice! Please accept our best wishes towards your upcoming plans, and we hope all your future endeavours are exceptionally euphoric!

HST Returns: Steps to Ensure Accuracy and Avoid Costly Penalties

HST Returns: Steps to Ensure Accuracy and Avoid Costly Penalties

Have you ever submitted your HST returns, Bauble Sale painstakingly double-checking your calculations, only to sit up in bed an hour later in a sweat, wondering, “What if I made a mistake?” It's an anxiety that's all too familiar for most of us when dealing with the looming Goods and Services Tax (GST) and Harmonized Sales Tax (HST).

This fear is understandable — accuracy can mean the difference between owing extra taxes and incurring costly fines from the Canada Revenue Agency (CRA) or not. You needn’t cower in fear, though. With some prep, following the proper procedures makes completing and filing tax returns a piece of cake.

The looming HST/GString forms can easily be surmounted, but only if you do the intelligent thing and apportion the appropriate time to equip yourself with the right know-how. That’s why, in this blog post, we’ll arm you with the skills and confidence necessary, enabling you to get your taxes filed with accuracy and ease!

Understand the Federal and Provincial HST Return Requirements

The Harmonized Sales Tax (HST) is a crucial rule impacting businesses operating in Canada. Not only must they collect appropriate amounts from customers, but there are also complex filing requirements to stay up to date on to avoid extensive penalties.

The different provinces have unique sets of regulations businesses must adhere to, making compliance especially tricky, which is why enlisting a knowledgeable professional's help makes sense.

One wrong move and businesses could find themselves stuck with hefty late fees and interest charges! To ensure their HST return meets federal and provincial requirements, companies must take proactive steps to stay informed and compliant.

Know how to Calculate your HST Returns Properly

Calculating HST returns is a non-negotiable part of running a business in Canada. To prepare, every business owner needs to know how much HST has been collected from their sales and any HST on purchases they've acquired. Then, you can determine the amount payable using the CRA's HST calculator.

Necessary paperwork: It's not just for filing conclusions. Critical to staying compliant with tax regulations, HST returns should be filed by specific deadlines; think of it an abstruse invitation to clean out your bulletin board or set those annoying reminders in your calendar. Moreover, taking the time to calculate and submit every HST return correctly keeps you against any hefty penalties or interest charges.

If number crunching leaves you pixelating, don't hesitate to ask for professional assistance. They'll keep your calculations firmly grounded, and you can focus on runnin' the biz.

Gather all the Necessary Paperwork for Filing

Taxes. Just the thought of them can fill you with dread. But here's a little secret to make all that stress and worry disappear: Make sure you've got your ducks in a row when filing HST returns.

Perhaps it goes without saying, but having all the necessary paperwork is essential. Don't forget to grab those receipts, invoices, and other documents showcasing your expenses and sales. Don't worry if you can't locate that HST account number – you can always look for it once you have the Canada Revenue Agency login details.

It's smooth sailing from there once you get these pesky paperwork pieces sorted out. Gather everything now, and you'll barely break a sweat while filing your returns. So, take some deep breaths, fish out those papers, and be proud of yourself – being a whiz with taxes isn't for the faint of heart.

Take Advantage of Available Online Resources and Tools

Are you in business? You've no doubt heard about the importance of filing accurate HST returns. So, being your responsible owner, you want to get on top of your financial transactions – all the better to get back to doing what you do best.

Here's where technology can help. With the wealth of online resources now available, you can manage your tax obligations more efficiently. Plus, when you hook up with an accounting firm that understands your industry and your HST situation, their know-how and excellent tools can bring you the best possible credits or waivers.

So why not get savvy with the excellent tools at your disposal? At a glance, you can better understand your finances  and get ahead of the game in managing accounts. What's more, you'll save time and money. Get ahead of the rest – let your exploration of online accounting tools begin now!

Final Words

All in all, making sure your HST returns are accurate and avoiding costly penalties can be accomplished with the proper planning and preparation. And don’t forget, if you need a helping hand, call us – we know the ropes! From keeping a detailed and up-to-date filing system to understanding where deductions can be made, these steps should help you sail through the taxation season. Let’s face it - who wants to mess with audits and risk an audit flag? Hopefully, these resources have illuminated this process (and offered a little relief along the way) so you can manage without hassle. So grab yourself a cuppa, sit back, relax, and we wish you a pleasant tax day!

Maximizing Your Resources: Smart Ways to Pay Real Estate Taxes

Maximizing Your Resources: Smart Ways to Pay Real Estate Taxes

Are you a real estate investor trying to come up with funds for the dreaded property taxes? Whether it's your first time on the block or you're a seasoned pro, effective tax strategies are crucial to pocketing some extra paprika. If "how they gonna pay all that money" has been running through your mind lately, this blog will be given divine intervention.

We've got ideas like automated payment options and tax credits, which—used expertly—might haul in a goldmine for the future. Innovative ways to handle taxes will ensure those finances are fit as a coded fiddle. So don't hesitate; it's not just commission money you should expect. Check out our pointers and get ready to manage those property taxes!

Make Sure to Keep an Eye out for Any Changes in Taxes and Deductions

Real estate taxes can be quite the hit on your wallet—but fear not! Staying on top of any changes is essential to guarantee you’re paying only what suits you. Oblivious of deductions or exemptions? No problem! There are programs designed for homeowners such as senior citizens, military veterans, and those with low incomes that may assist in reducing the amount owed.

On top of that, your state might have an installment plan available—so never underestimate its potency! This nifty feature spreads out the tax payments over a year, making it easier to manage your financial situation after being relieved from the straining weight of a lump sum.

Enlisting advice from an educational professional (aka your account email folks) or investing in local government offices is always inspirational when figuring out the best route to maximize what works for YOU. So beat those tax issues before they ambush you: stay informed and proactive.

Take Advantage of Paying Your Taxes in Installments if Possible

Real estate taxes can be a significant budget pain, especially if you own multiple properties. Is there an antidote to this tumultuous financial turbulence?

Believe it or not, the magical elixir to soothe your budget crunches is the installment payment plan! It allows you to segment your total sum by spreading payments out over months without sacrificing an arm and a leg simultaneously. You also decrease your chances of incurring late payment penalties with this approach. At the same time, some municipalities even offer promotions like discounts or reduced interest rates for those who stick with installments!

Are you interested? Before you dive into planning, take a minute to check with your local tax office and identify if this avenue of money management is right for you!

Explore Various Payment Options 

For homeowners and property investors, shelling out real estate taxes can be no laughing matter. No worries, though! There may be hope for sparing you the wrath of hefty tax payments. Let us introduce you to more innovative solutions – they'll have you sorted quickly!

Say goodbye to forgotten due dates – just with Direct Debit, you can set up an automatic payment schedule with a few clicks. If that doesn't fit your agenda, direct transfer from savings or checking accounts should do the trick.

Yes, it's time to wave goodbye to "headache season," making full financial compliance easier (but just as rewarding!) than ever before. Save yourself time, money, and stress all at once; now that real estate taxes no longer need to be hardship territory!

Consider Hiring a Professional Tax Advisor to Help You Maximize Your Resources

It's disheartening when the time comes for you to pay your real estate taxes, knowing you might be paying too much or potentially missing out on any potential savings. That is why turning to a professional tax advisor could make a difference. Why not take a leap and jump on the bandwagon and get an experienced accounting firm to reap all the benefits from?

Are you unsure of maximizing your resources dedicated to real estate taxes? We're here to fill that gap! Working with a trusted tax advisor grants the perfect assistance to keep your worries at bay. With no more missing out on potential savings, deductions, and credits but managing your property portfolios instead? You'd fill up allied fit as a tailored suit. Remember, nothing compares to hiring an advice seeker if you imagine checking off that goal by staying ahead of the game once and for all!

Final Words

Tax season can bring much anxiety, and paying real estate taxes can be daunting. Check out the options available – you could pay in one lump sum or find a plan that works best for you. While procrastinating past tax deadlines might sound almost too easy to be accurate, it'll have iClouds instead of rainbows waiting beyond the horizon.

Making smart financial decisions begins with organization! We'd recommend logging detailed records and gathering relevant documents throughout the year for valuable opportunities later. Plus, there's nothing wrong with calling us for a lending hand if you need guidance or payment setup assistance.

So take advantage of your unique tax balance route — no matter which direction you choose, and realize that 'nothing ventured, nothing gained.' Taxes MUST be paid—but don't worry, we got this!

The Impact of Real Estate Tax on Property Investments: A Comprehensive Guide

The Impact of Real Estate Tax on Property Investments: A Comprehensive Guide

Are you ready for an exciting venture into Real Estate taxation? If so, this guide is for you! With insights from top to bottom, it covers the strategies available to lower taxes and make the most of your investment dollars.

Whether you're a homeowner or an aspiring investor, understanding how property taxes can affect your ventures is essential. Knowing the nuances of real estate taxes presents some challenges, but look at it as an opportunity! That's right: those same nuances give boundless possibilities when sifted through correctly.

So join us as we survey everything there is to know about what separates savvy consumers from citizens who get done over by taxes—from avoidance methods without shady motives to attentive utilization of strategies that might put you a few steps ahead when maneuvering in the property market.  Ready, Set...Dive In!

Overview of Real Estate Tax and its Impacts on Property Investments

Real estate investing is a tasty treat for rapidly building wealth-- but remember all the different taxes you'll need to account for! Property taxes stand out as one crucial factor, and you'll want to consider the local government regarding their charges for your property's value. Not only that, savvy investors must consider other potentially intimidating taxes, like capital gains and estate taxes.

Understanding the taxes on investments in real estate is critical to making judgments to cultivate maximum profits from your endeavours. Educating about these financial commitments can help ease navigational bumps along the road and unlock knowledge on capitalizing on your investment opportunities.

Understanding the Different Types of Taxes for Property Owners

Owning property can often feel like a juggling act. Property owners need to be aware of all the taxes soaring through the air. A thorough understanding of all the fees is essential to maintain healthy finances and avoid unexpected obstacles!

Property taxes are based on the value of a property – not only this, but it's also essential to consider Homeowners Association fees if one resides in a specific community. Every time money is spent, there's more for local government services such as roads, schooling and law enforcement, so depending on where a property owner lives, they should tackle these extra charges with poise.

Then there are times when additional money is doled out for renovations or fixes, costing even more than planned, which naturally affect property taxes – ouch! Being proactive will ensure fewer financial surprises are ahead because comprehending every tax category that is associated with owning a property then making decisions accordingly supports smoother sailing down the road!

Exploring the Benefits of Investing in Property and Paying Taxes

Investing in property can make for a financially savvy decision, with its potential for appreciation and opportunity for rental income. Consider the merits of this future-proof investment, which is strong historically in both stability and profitability.

But don't be put off by any tenuous taxes! Property taxes help to fund & maintain public services like hospitals & schools. Still, they aren't an insurmountable chore just yet– besides allowing better access to future tax breaks and deductions, you'll also be able to bask in that unspoken sense of civic duty.

In summary: There are abundant benefits from investing in property: assured returns & steady income contrasts nicely with those unquantifiable advantages like becoming a pretty special kind of patriot!

Tips for Smartly Managing Your Property Investment in Light of Real Estate Taxes

As a property investor, staying on top of the latest market changes and real estate taxes is essential! And making smart decisions with your properties is an absolute must too. Sure, it can be tricky business, but don't worry… teamwork makes the dream work! Working closely with an expert in the field, like an accounting firm specializing in real estate investments, can make all the difference. Experts can help you stay informed on laws and regulations to ensure you're capitalizing on all available deductions or credits.

Staying mindful of your investments and constantly keeping informed puts you on a path to success beyond compare. So dust off your shovels and start digging! Doing your due diligence while enlisting trusted help from an accounting firm will place you amongst the top VIPs in investing property. Let's get this money party started!

Final Words

Thus, we can see that understanding the real estate tax implications of property investments is essential to maximize an investor’s return. Having a firm grip on state and local regulations governing residential and commercial properties is critical for any successful investor to increase their earnings in the long run. Now that you have all the necessary knowledge, you're ready to make your real estate investing dream come true! If you have any questions or need more help, contact us because we are here to help and turn your investment dreams into reality. So what are you waiting for? Get out there and start making real estate moves -- after all, it's time, money, and an extra bit of fun! Who knows what kind of surprises could be waiting around the corner?

The Role of Cash Flow Analysis in Business Growth and Stability

The Role of Cash Flow Analysis in Business Growth and Stability

Ready to take your enterprises to the Olympic heights? Or just starting from zero and hoping those heights come eventually? In either case, cash flow analysis is what you need. Properly analyzing how cash flows through your company will give you critical insights that will likely bring great returns!

So, what is cash flow monitoring really about? Well – it’s all about tracking income and outgoings as precisely as possible with the help of an online accounting system. We understand the importance of diligent financial forecasting; tired of hearing stories about how companies crashed or grew because they weren't up for detail in money matters? You don't have to be!

Your wise business decision today will cast a widespread net – layering all projections delicately upon each other so that informed decisions can become reasonably calculable activities that boost performance. Suddenly it seems easy to discern investment options from trivialities and then form strategies for success!

Introducing Cash Flow Analysis and its Purpose

Cash flow analysis is at the center of effective financial management. Much like a dimmer switch in your house turns up (or down) the lights, cash flow analysis can shine an illuminating light inside and outside of your business – revealing patterns, potential risks and opportunities for capital investment.

This ubiquitous tool is used to understand better how money comes in and goes out of a business. It’s critical companies recognize that still, despite notable profitability, no physical cash could lead to severe problems.

The strategic use of cash flow analysis can be game-changing! It’s designed to offer you insight on plan for the future accordingly – when should I pay bills? When should I invest? Making such informed decisions empowers financial stability, plus greater fiscal agility and flexibility – definite kitchen table topics!

Understanding the Role of Cash Flow in Determining a Company’s Financial Health

Cash flow deserves serious consideration when assessing a company's financial health. Let us point out the potential pitfalls: cash flow is the amount of money flowing in and out of business, linked directly to a company's liquidity or another way of asking the same great question: how much exactly is waiting in the bank account? These liquid assets are paramount; let us get into that further.

If a company has positive cash flow, they have more than enough money coming in than going out. This is ideal as it gives them extra reserves and increases their investment opportunities. On the other hand, negative cash flow suggests they’re typically on an unsustainable footing as expenses surpass incoming funds, leading potentially to disastrous outcomes including near bankruptcy or missed payments. That being said, investors, creditors, and managers need to monitor their company's cash flow. To ensure only good fortunes, lean towards them!

Identifying Key Cash Flow Drivers

Business growth often leads to complexity, making identifying those all-important cash flow drivers even more critical. Knowing where cash is coming and going is the key to financial stability, not to mention longterm success.

In order to acquire this insight for their clients, hiring a respected accounting firm can be crucial. Analytics on financial statements means informed, better decisions essential when we consider a companies bottom line.

Their expert knowledge doesn't just stop at identifying those specific cash flow drivers either; compared with trying where we mere mortals are unlikely to reach unless, of course, you're accounting wizards, they can help keep companies ahead of any short term financial difficulties they may have plus make the transition into long-term success far more manageable.

Implementing Strategies to Improve and Optimize Cash Flows

A business's cash flow is like a jet fuelling up for its journey: it's the fuel that keeps things running smoothly the entire way. No doubt about it, optimizing and improving cash flow is crucial.

Every piece must be in check: accounts receivable, accounts payable, inventory management, financial forecasting, all essential chains in the large chain of cash flow gatekeeping. Keeping these components afloat (those chains sinking is never fun!) involves streamlining payment methods and using maximum advantage when dealing with suppliers for terms and conditions; ensuring stock numbers are top-notch for your exact needs.

And to take things one step further, there are intelligent overhead solutions: bringing on cash flow management software can be one of the smartest moves to help anticipate any upcoming sunken ships and tackle their way before they reach their own Davy Jone's locker.

Ultimately, implementing effective cash flow strategies puts you at a strong point with plenty of fuel to pour into furthering growth objectives—right where you need it!

Final Words

Summing up, cash flow analysis not only provides a forecast of potential growth opportunities that businesses can capitalize on, but it also ensures the company is financially responsible. After all, what better way to determine whether your business is on track than with an in-depth look at its financial dynamics? So avoid getting caught spinning in circles; cash flow analysis is invaluable for managing and expanding your business. If you want the brown studying done right, contact us! We promise there won't be any pop quizzes.

Cash Flow Management Tips for Freelancers and Solopreneurs

Cash Flow Management Tips for Freelancers and Solopreneurs

If it feels like you're a freelance worker or solopreneur, riding the constant see-saw of money coming in and money going out--unhappy days ahead—we've got good news! A financial plan can help manage the math that allows making money to meet needs easier. But don't know x from y when it comes to managing assets? Weaving budgeting basics together with tax advice doesn't have to be complicated.

You're likely here looking for guidance on mastering your "business finances," Luckily, we've brought a veritable playbook on how to master financial resources. It's anything but rogue maths... think confidence and peace of mind rather than chaos in mapping out money moves—from budgeting plan strategies to breaking down expenses. So payment processor at the ready: invest your time taking stock of finances, so you can cruise when managing that cash flow!

Set Financial Goals and Track Your Spending

Regarding freelancers and solopreneurs, managing cash flow can feel like a scary movie. The words 'uncontrolled budget' quickly enter the script. But it doesn't have to be daunting! Follow these steps for success:

First up, identify your desired outcomes. Is it rainy day savings or investing in your business? Answering this question lays the foundation for financial freedom (and possibly even a distant future).

Next, track every last transaction like you were an FBI agent fresh out of Quantico. Document your expenses like each new bill needs your attention and categorize them. Remember to compare these categories against your income, too, as this tells you where there's room to cut costs potentially.

By monitoring your finances regularly, you'll acquire better insight into what's happening with your cash flow, and you'll make more intelligent decisions accordingly. Plus, if done correctly with due diligence: voila! You now possess two invaluable (and often necessary) traits as a freelancer or solopreneur: Financial security & peace of mind.

Create a Monthly Budget

For freelance cooks and self-starter bakers alike, managing cash flow is essential. It's like foraging for ingredients; if you want to avoid sourdough coming out of the oven, it pays to double-check expenses!

One great tip to keep things on course? Create a monthly budget! Planning everything from bulk orders and oven rentals to portion sizes and prime cost estimates will save you plenty of headaches. Plus, understanding where your cash is going each month gives you superpowers. You can be proactivity, detect and counteract unnecessary fluctuation in expenses—that's change-making magic right there!

Setting up a budget each month won't just help manage outflows—it'll also give you explicit insights on how much loot you must generate over time to meet financial obligations. Getting into the groove will pay off, too; once you've budgeting second nature, your dessert tower plates will look delightful.

Automate Your Savings

One of the hardest lessons solopreneurs learn is that they have to become cash flow managers. Too bad this isn't on the school syllabus! Let us enlighten you with one helpful tip: automate your savings!

By setting up a monthly automatic transfer to a separate savings account, the money you set aside for emergencies, investing or general expenses doesn’t get mixed up with your business funds. Little drops make an ocean; small sacrifices today can make a difference tomorrow!

Taking control of cash flow is always empowering. So don't get intimidated by freelancing uncertainties—we're here to help! Get in touch with us now to find out more about how automating your savings could be just the thing to transform your finances for good.

Open a Separate Business Account

If you're a freelancer or solopreneur, ensuring your business's finances are all hunky dory is the key to tremendous success. Here’s an easy yet highly insightful cash flow management tip to help you out: separate your business and personal accounts right away!

Divide and conquer – segmenting your expenses and income from those of your business will give you a much better snapshot of your financial health. You’ll be able to properly keep on top of things more efficiently while avoiding merging present or past complications between what’s yours and what’s all about them bills. Plus, it'll lessen tax dramas with the law giving you the most evident path ahead without any problems on the horizon.

At its core, having two different savings accounts – one for our spending spree and one specially created for tracking profits or intakes– is a money managing way that can guarantee some lovely improvements and (we hope!) profitable growth in no time.

Final Words

Managing cash flow can be a balancing act between saving for the future and setting aside money to pay taxes. It’s an ever-learning process that requires a lot of proactive thinking from solopreneurs and freelancers. The tips in this blog post can help you set yourself up for success with better cash flow management. But remember, no one ever said that running your own business was easy! If all this feels a bit overwhelming, let an accounting firm take over - so you can focus on what you do best. After all, isn’t that why you became self-employed in the first place?! Now go out there and slay the cash flow dragon!