T.G.Dyar-Useful Information

T. GERALD DYAR

SFP ASSOCIATES

Business & Financial Consultant

Here are links to useful information along with some comments.

(Use the "BACK" button on your browser to return to my site from the off site links.)

I've been told that, as a consultant, I should never give out free advice. But if I don't give you some samples of my thinking how can you tell if you'd be comfortable being my client. Like all free advice on the Internet though, you'll have to use this at your own risk.

My thoughts on Sweat Equity. This was originally a handout for a seminar I moderated a few years ago at an SBA small business conference.
I've collected a lot of different lists over the years that describe what records you should keep and for how long. This list, available on line from an accounting firm, is the best I've seen so far. Even though they show financial planning as one of their services, they're located in Maryland so we're not really competitors.
My thoughts on practical record retention. In the real world there's more to it than just keeping the bean counters, lawyers and government happy.
Want to know your estimated life expectancy? Try this site. Since this calculator is based on sex as well as current age it gives a more realistic estimate than the politically correct unisex tables used by the IRS and most insurance companies. Try both sexes for a given age to see the difference. Also, remember that as you age your projected age at death also increases, but not as fast as your increase in age. Experiment a little by entering increasingly older ages to see why you need to take this into account in your planning.
Finally, for hardened do-it-your-self types, here are some links to government sites of potential interest:

Internal Revenue Service - Digital Daily and Home Page

Connecticut - Department of Revenue Services

Massachusetts - Revenue/Taxes

New York State - Department of Taxation & Finance

SEC - Securities & Exchange Commission

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