Downloading Bank Transactions to CSV

Click here to download step by step instructions on how to download your bank transactions from your CIBC bank account for us to complete your year end. Please remember to choose the correct dates based on your year end!

CIBC Export to CSV

SwissBooks 2017 Fiscal Review and Outlook

NEW OFFICE HOURS & PICK-UP OPTION

Our new office hours are Monday to Friday 8am to 1pm. If it is inconvenient for you to drop by during our office hours you can also arrange a time for someone to pick-up your documents after 1pm. (Edmonton area only)


Background and Framework for Efficiency

  1. Focused 5 hour work day: We had the focused 5 hour work day from 2010-2013, and started it again with one employee in March 2017. We have seen first hand that our focused 5 hour work day reduces absences, stress and increases efficiency. Shifts under 5 hours, employees are not entitled to any breaks.  Lunch and breaks during the typical work day are not used to re-energize or restore attention.  In our office’s case they are spent eating lunch late at our desks in front of the computer, while other workplaces time is lost strolling in late after getting caught in line at Tim Hortons. Back in 2010-2013, as owners, we worked 10+ hour days and we were much more efficient running two employees on separate 5 hour shifts (8am-1pm and the second person from 1pm-5pm). There was less internal communication and less friction in our system, than having two employees in the office 8 hours at the same time.  The end goal after efficiency is to remunerate employees as much as they did when they had 8 hour days, and to pass savings down to our customers in the form of reduced costs.
  2. Fixed-schedule productivity: Our accountants will be disconnected by phone and internet 8am-noon.  Payroll and administration will be reachable in real-time. If we are allowed to schedule periods of uninterrupted work around appointments, we can focus on what really matters to you.
  3. Unless you are financially independent, you should be working rather than hiring out the work. No one will ever do a better job than you, and no one will ever care about your big picture as well as you. Only farm out things that can be completed more efficiently through unique skills and economies of scale (Accounting, bookkeeping vs. doing it yourself). Due to minimum efficient scale, the cost/technology would not make sense for an individual to specialize in something that is not directly related to their ability to generate revenue.
  4. The most sustainable payroll solution is that if you pay someone $20 per hour, the employee should also “pay you” at least $40 per hour (giving you $20/hour profit). You have to account for the payouts you are responsible when you have staff: statutory holidays, 4% vacation and eventually termination pay.  Profit per employee is an important metric that our 3rd iteration of SwissBooks will measure and report to you.
  5. Consider converting any full-time staff you have to a focused 5 hour shifts. If you are open longer you could consider running back-to-back 5 hour shifts as we did 2010-2013.
  6. Bring efficiency and focus into your life is efficiently articulated in this appropriately titled book: Efficiency: Get Rich Without Giving Up Your Life.  It will also tell you how to start an online business or make money with affiliate marketing.
Two Huge 2017 Negatives

The law of vital few: We only get 1 hour of revenue for 5 hours of man-hours worked in 2017. That means 1 person working 25 hours per week ideally should have generated the same work as 4 people clocking on average 125 hours per week.  Christian prepared 110 corporate year ends and reviewed an additional 67. Seeing hundreds of financial statements a year, this problem is not unique to us, where our founder has been obsessed with efficiency his entire life. Where do we lose our time? It all boils down to lack of laser-sharp focus.

  1. Efficiency needs improvement: Too much work being done that does not create much value for our customers. With people just walking in without appointments at all times, leaves us in a state of frenzied chaos- being unproductive due to lack of sleep and missed lunches over an extended period of time. More than 80% of appointments are reschedules, late, or no show. Accounting is something we need 3-4.5 hour blocks of concentration

  • $500K revenue and $50K profit is worse than
  • $250K revenue and $150k profit
  • Half the revenue is still better if your net is tripled.

Backwards Thinking Can Make You RICH

There was an excellent comment in our highly popular post on Choosing Your Market & Pricing. Thank-you “dicky dee” for creating this idea and everything in quotes are his words.

  1. Most people think “follow your passion” is sound advice. Successful people often attribute their success to doing what they are passionate about- its just an easy thing to say so they don’t need to waste time answering questions. This makes it about YOU and YOUR passion. No one cares about you and its never about you- its about others. The sooner you figure this out the better. Providing something that OTHERS NEED will make you a success faster and its easy to become passionate afterwards. No accounting grad is ever passionate about accounting. If they get their face plastered on a fleet of vehicles and have a lead accounting role at a huge company its easier to tell people he followed his passion, rather than he followed the money. I forgot who said this but money is a neutral indicator of value, by aiming to make it, you are aiming to become more valuable.
  2. Most people follow trends. Our feed is entirely #Blockchain and #Bitcoin, should our next million be in Blockchain? Of course not, dicky dee explains: “it makes it a lot harder to achieve your goals if thousands of other businesses are doing the same thing as you, it would work however if you have a solid way of differentiating yourself from the pack that would be highly advantageous.” Ease of entry is how he describes this “winner takes all” reality we live in where few players enjoy the bulk of the work. Do something no one else thinks of doing. How can you think like this? UNDER-CONSUME so you don’t need to work. Then instead of working you can think. Most people don’t think anymore- they are constantly doing something, when they aren’t working/driving/yapping, they glance at their phone. Learn to do nothing but think, if you are bored that just means you are boring.
  3. Most people don’t talk about scale and instead focus on operating margins and net worth. Scale trumps margins. If you have scale, margins can decrease and as long as its positive you have a real business. Scaling is not linear and with the right skill set and frame work you can go from half a million dollars in debt to “rich” in a couple years.  Scale is relative and read our customer’s great example in the comments section. Scale is relative and can serve anyone to some extent: why have one noodle house when you can have five? *wink*  “Scaling with using minimal cash flow” is just plain efficiency. Most people are saving $1,000 a year on switching accountants, scarcity mindset tries to protect their net worth. Your net-worth is irrelevant when you are old, asset rich and cash poor. Cash Rules Everything Around Me: seek to maximize your company cash flow, you can spend as much as you want since your net-worth becomes meaningless after you realize having stuff is overrated.
  4. Most people trade their limited time for money. You can never get back time, so with each year of life you live, the marginal “worseness” increases. The piper will be paid, make use of your time now, so you are not wasting exponentially more time in the future. Only trade time for money when you have no money and lots of time on the money-time continuum. With each surplus dollar you should trade money for time: someone is buying your time every time you look at their advertisement. You can buy time by outsourcing your bookkeeping/accounting. “If your business depends on you to be there instead of hiring out and creating systems and processes then you will never have true wealth no matter how much money you make because you don’t own your TIME and your income is capped off by how many hours you put in.” Leveraging technology has its limitation so how much do you pay someone to replace you? The most sustainable solution is that if you pay someone $20 per hour, they should also “pay you” $20 per hour. If you pay them $20 per hour and they “pay you” $40 per hour you should pay them more or you’ll lose them. And unnecessarily re-doing the hiring process at no gain is an enormous waste of time.


SwissBooks Pro Tip:

“Man muss immer umkehren” is a German saying that the solution of a problem can be clarified by re-expressing it in inverse form. Work backwards and reverse engineer your target. A worthwhile target is to clear $1+ million in a year, if not through recurring revenue then at least through selling your business. The latter part is easier so you only need to generate between $200,000 to $333,333 in annual discretionary cash flow to sell your business for a $1 million. But by the time you are hitting those figures you won’t want to sell anyways since you would have figured out how to scale.

An oversimplified example in online sales would be: you would need 100,000 sales at $10 of profit per sale. Assuming a 2% conversion this would require 5 million visitors, which will cost $500,000. So you need to come up with $550,000 (50K extra to live assuming 1 year cycle).

If you don’t have it – the process continues. You’ll need 55,000 customers in the preceding cycle at $10 profit per sale which assuming the same 2% conversion would require 2.75 million visitors, which will cost $275K. You need to come up with $325,000 (50K to live).

Getting this requires 32,500 sales at $10/sale with 1.625 million visitors which costs $162,500. You’ll need $212,500 (50K to live).

21,250 sales from 1.0625 million visitors costing $106,250. Requires $156,250.

781,250 visits costs $78,125. So if you had $50,000 of startup cash you could make this model work for you in 5 years and the only way to speed it up is by improving your margins or conversion rate, just don’t forget what is important (in this example its volume). Traps: If the cost of producing and delivering your offering is 50% of your revenue – its probably not worth pursuing.


Pour Conclure

SwissBooks by THUT is our 3rd SaaS iteration is aimed to help you strategize the frame work to increase 5 metrics and reduce 5 metrics through our 5-step accounting process run by a 5 person team.

Our year end report will outline the frame work to increase: 1 Revenue, 2 Growth, 3 Efficiency, 4 ROI, and 5 Value, while reducing: 1 Costs, 2 Time, 3 Turnover, 4 Risk and 5 Paperwork.  

SwissBooks uses real time aggregate data to tell you where you stand and how to improve if you are sub-par.

http://www.christianthut.com/

9 Things You Didn’t Know About Christian Thut

  1. He hasn’t owned a cellphone in 10 years.

  2. He has never owned any Apple products or shopped at Walmart.

  3. He makes an effort not to consume popular culture. He considers this one of his “keys to success”.

  4. He is an expert martial artist. He got his black belt in Tae Kwon Do as a kid and trained Yan Yaw (Dance of Death) kick boxing in Asia.

  5. He has lived in 3 continents in his life.

  6. At one point he had half a million in debt. All his accounts have been cleared since 2015. He has written about how he got out of that here: Buying a home

  7. As of July 2017, he can bench press 300 lbs.

  8. He does not consume any products with soy or vegetable oils.

  9. He doesn’t have a microwave, use plastic containers/saran wrap or buy soap/bodywash/shampoo/deodorant.

We’ve received requests for a summary of our Facebook posts for those who are not on Facebook:

Most people will buy a house based on what the bank approves them for and will spend the better years of their life paying it off instead of following these metrics: Buying a home. As with everything typical, typical advice tailored to a typical person should be avoided if you don’t want to end up— well typical.  Keep it simple and still be better than the rest:

Two people graduate with the same degree/apprenticeship. Person A works the average 8 hours/day. Person B works 12 hours/day (focused).

After 4 years, Person A will have worked 8,000 hours and Person B, 12,000 hours = 4,000 more than Person A. Person B will have more $, more experience, ahead of Person A and will NOT be average.

2016-05-05.png

2016-07-25

“All activities consume the same limited time and attention. If you service low-impact activities, you’re taking away time and attention you could be spending on higher-impact activities. And because your time returns substantially more rewards when invested in high-impact activities than when invested in low-impact activities, the more of it you shift to the latter, the lower your overall benefit.”

-Cal Newport, DEEP WORK

2016-08-08

taxrate

Customers hand us money because at the cost of just 1% or less we reduce their total taxes by 3%-20%. But most people have a scarcity mindset, and will want to save $1,000 a year in accounting fees only to waste tens of thousands of dollars more.  Hence, our service is niche – focused on profitable businesses. If you plan on being average -SwissBooks not helpful and its not fair to recommend a product that is not going to be tailored to your needs.

Selectively choosing the people you surround yourself with is essential. 80% of your problems can be attributed to 20% of your customers.  Busyness and exhaustion are your enemy.  All regrets in life involve wasted time. This is the only thing you can never get back so never waste a second on marginal returns, short-term gains and people with no value. We have no sympathy for those who created their own mess. Poor choices reveal poor character. This eliminates the empty work that plagues all other accounting firms and allows us to focus on what really matters. Its amazing how our customer service improved when we focus only on people that like us.  Not a big deal, just not the same interests.   We don’t have a problem with your choice – we just don’t cater to everyone’s needs.

Catering to all businesses is a horrendous waste of time and frustrating by definition- all energy is wasted. Help people who have the potential to improve – they must make at least as much as they would through a regular job– otherwise they should focus on sales or a career. Without the “career capital,” props to Cal Newport, to support your business it will just be a downward spiral and 100x harder to fix.

Blogs like this free and leave people with no excuse for failure. If you were born here and are in your 30s, you are young enough to have access to the internet, and old enough to have the time to turn it around if you had some hiccups along the way. Just because you wasted your life does not give you the right to waste our time. You don’t want our advice, you want us to validate your stupid decisions.

2016-10-13

2016-11-01

2016-12-14

2016-12-19

winners

2017-05-15

2017-06-12

No more posts?

We are going to up-date this blog less and less as you have all the information you need to succeed, we have dedicated that extra time to our valued clients instead. We had back-to-back 6-figure months – so we don’t have much else to say, too many accountants and *gurus* have too much to say – there is a lesson in that.  Everything you need to create a successful life is in this book: http://wallstreetplayboys.com/efficiency/

Fluoridation of our Water!

Many of us don’t know much about fluoride except that it is supposed to be good for your teeth and reduce cavities but there is so much I didn’t know. 

As quoted from Nassim Taleb’s Anti-Fragile (Chapter 21. Medicine, Convexity, and Opacity) “The non-natural needs to prove its benefits, not the natural—according to the statistical principle outlined earlier that nature is to be considered much less of a sucker than humans. In a complex domain, only time—a long time—is evidence.”

Just like the insecticide, DDT, discovered by a Swiss chemist (who actually won a Nobel Award for it), cigarettes, plastic, & cellphones were “harmless” until it all proved to be harmful after a long period of time. Or years ago, scientists came to the conclusion that cholesterol in food was bad = eggs were bad. Now, decades later, we find out the effect of egg consumption on blood cholesterol is minimal when compared with the effect of trans fats and saturated fats and according to a study at the University of Connecticut the fat in egg yolks actually helps to reduce LDL (“bad” cholesterol).

The approved 1.00ppm of fluoride in drinking water now MIGHT be harmful after another decade of studies.

If studies now show that it does affect IQ and other things then I’m going to do my best to avoid it in water where we cannot control how much fluoride we take as we need to drink a lot of water to keep healthy. There is already fluoride in some of the foods we eat/drink, & toothpaste. Other countries have access to fluoridated salt (ie. Switzerland) where the fluoride intake can be controlled for EACH individual. A smaller child can use less salt vs. an adult <— this makes much more sense than FORCING every single person to take fluoride through their drinking water.

  1. US National Library of Medicine National Institutes of Health: Critical Review of Physiological Effects of Ingested Fluoride as a Public Health Intervention (“CONCLUSIONS: The results support the possibility of an adverse effect of high fluoride exposure on children’s neurodevelopment. Future research should include detailed individual-level information on prenatal exposure, neurobehavioral performance, and covariates for adjustment.”)
  2. Department of Environmental Health, Harvard School of Public Health: Developmental fluoride neurotoxicity: a systematic review and meta-analysis  

    (“RESULTS: The standardized weighted mean difference in IQ score between exposed and reference populations was -0.45 (95% confidence interval: -0.56, -0.35) using a random-effects model. Thus, children in high-fluoride areas had significantly lower IQ scores than those who lived in low-fluoride areas. Subgroup and sensitivity analyses also indicated inverse associations, although the substantial heterogeneity did not appear to decrease.

    CONCLUSIONS: The results support the possibility of an adverse effect of high fluoride exposure on children’s neurodevelopment. Future research should include detailed individual-level information on prenatal exposure, neurobehavioral performance, and covariates for adjustment.”)

  3. Translated research report Fluoride 41(2) 115-119 April-June 2008 – Effects of the level of fluoride in drinking water on the intellectual ability of school-age children
  4. Fluoride news & lawsuit

So then I looked into Edmonton’s water: 2017 YTD median of fluoride in Edmonton’s water is 0.68 ppm!! Whereas most developed countries, including 97% of the western European population (Switzerland included), do not consume fluoridated water. 

After learning this we decided we had to switch our Mavea water pitcher out for something that could remove fluoride and found two products: Berkey and Zero Water. Pictured below is the Berkey which we thought was right for our family. 

IMG_0076

The Berkey system effectively removes harmful viruses, bacteria, parasites and unhealthy contaminants from water and leaves essential minerals that your need. It purifies tap water & raw untreated water from sources such as remote lakes and streams.  It is SOOO good that they even recommend you to test your system after setting it up by putting water and RED FOOD coloring into the tank and the water that comes out is clear. The system which includes 2 Black filters and 2 F-2 filters cost us $351 plus we purchased an extra set of each filter so that it filters faster. After the water is filtered I empty the system into glass bottles and put them in the fridge (the system is BPA free but we avoid keeping food/drinks in plastic whenever possible). Use it at home, at the cottage, on a camping trip, or at your office/shop for clean water. I also recommended it to my parents for when they go back to Vietnam for vacation (who knows how clean the bottled water actually is!?)

Below are the cost in cents per litre of water filtered for both systems after 12 years: Berkey 0.0403 cents/litre (Amazon)  and Zero 0.1188/litre (Costco) and Zero 0.1387/litre (Amazon)  [The break even point is 2 years]



Here are the links to Amazon or Costco for those that have memberships at Costco for the Zero system:

Zero Water 10 cup pitcher Amazon $39.48 or Costco $64 

Zero Filters: Costco 4 filters for $70 or Costco 8 filters for $119 or Amazon 2 filters for $33  or Amazon 4 for $82.69 or Amazon 8 filters for $142.35



Below is more calculations I did for our family. The Institute of Medicine determined that an adequate intake (AI) of water for my family would be:

2.36 litres (1.18 litres/day for 4- 8 year olds & I have a 3 year old and 5 year old 1.18 x 2 = 2.36)
3 litres for men per day
2.2 litres for women per day
—————
7.56 litres / day of drinking water for my family + extra water is required for cooking

The Berkey Light has a capacity of 10.4 litres so I would need to refill the system once a day for drinking and cooking. Using that I calculated how long my filters would last my family:

Berkey Black filter set purifies approximately 22,000 litres so 22,000 L / 10.4 L = 2,115.38 / 365 days = 5.8 years (5 years and 9.6 months) !! I purchased an extra set of Black filters so I have 2 sets of black filters = 5.8 x 2 = 11.6 (11 years and 7.2 months)

PF-2 Fluoride & Arsenic Reduction Filters is recommended to be replaced after 3,785 litres so 3,785 L / 10.4 L = 363.94 which is almost a full year! I purchased an extra set so I have 2 sets of PF-2 filters = 363.94 days x 2 or basically, 2 years.

Meaning I would need to buy around 5 extra sets of the PF-2 filters because of the life expectancy difference = $66 x 5 = $330

$351 system w/ 1 set of black filters and 1 set of PF-2 filters
$205 additional 1 set of black filters and 1 set of PF-2 filters
$330 additional 5 sets of PF-2 filters for the 10 year difference between the black filters and PF-2 filters
——
$886 / 11.6 years = $76.38 / year in clean fluoride free water!

As that includes the system the calculation below is for the NEXT 11.6 years of clean fluoride free water

$390 for 2 sets of black filters and 2 sets of PF-2 filters (11.6 years & 2 years)
$330 additional 5 sets of PF-2 filters for the 10 year difference between the black filters and PF-2 filters (10 years)
——
$720 / 11.6 years = $62.07 / year in clean fluoride free water!

REMEMBER! The number of PF-2 filters MUST match the number of Black filters to work as the PF-2 filters attach to the Black filters.


The PF-2 filters remove:

  • Arsenic V and peroxidized Arsenic III

  • Targets entire family of arsenic oxide anions as well as the arsenic cations

  • Other residual heavy metal ions

WARNING: huge list below these 2 photos of what the Black Berkey filters remove!!

(Disclosure: Links to products are affiliate links (not the Costco ones). If you make a purchase after clicking a link, we may receive a commission. This commission comes at no charge to you. Thanks for supporting SwissBooks & Anja’s Plate to get some good information out to people like you!)

 

VIRUSES >99.999%

  • Exceeds Purification Standard (Log 4):

  • MS2 Coliphage – Fr Coliphage

  • PATHOGENIC BACTERIA SURROGATE >99.9999%

  • Exceeds Purification Standard (Log 6):

  • Raoultella terrigena

  • TRIHALOMETHANES – Removed to >89.8%

  • (Below Lab Detectable Limits):

  • Bromodichloromethane

  • Bromoform

  • Chloroform

  • Dibromochloromethane

INORGANIC MINERALS

  • Removed to below Lab Detectable Limits:

  • Chlorine Residual (Total Residual Chlorine)

  • Volatile Organic Compounds (VOCs)

  • Removed to below Lab detectable limits

  • Alachlor

  • 1,1,1,2-Tetrachloroethane

  • 1,1,1-Trichloroethane (TCA)

  • 1,1,2,2-Tetrachloroethane

  • 1,1,2-Trichloroethane

  • 1,1,2-Trichlorotrifluoroethane

  • 1,1-Dichloroethane (1,1-DCA)

  • 1,1-Dichloroethylene (1,1-DCE)

  • 1,1-Dichloropropene

  • 1,2,3-Trichlorobenzene

  • 1,2,3-Trichloropropane

  • 1,2,4-Trichlorobenzene

  • 1,2,4-Trimethylbenzene

  • 1,2-Dibromo-3-chloropropane (DBCP)

  • 1,2-Dibromoethane

  • 1,2-Dichloro-1,1,2-trifluoroethane (CFC 123a)

  • 1,2-Dichlorobenzene

  • 1,2-Dichlorobenzene-d4

  • 1,2-Dichloroethane

  • 1,2-Dichloropropane

  • 1,3,5-Trimethylbenzene

  • 1,3-Dichlorobenzene

  • 1,3-Dichloropropene

  • 1,4-Dichlorobenzene

  • 2,2-Dichloropropane

  • 2,4,5-T

  • 2,4,5-TP (Silvex)

  • 2,4-D

  • 2,4-DB

  • 2-Butanone (MEK)

  • 2-Chlorotoluene

  • 2-Hexanone

  • 2-Methyl-2-propanol

  • 3,5-Dichlorobenzoic Acid

  • 3-Hydroxycarbofuran

  • 4-Bromofluorobenzene

  • 4-Chlorotoluene

  • 4-Isopropyltoluene

  • 4-Methyl-2-pentanone

  • 4-Nitrophenol

  • 5-Hydroxydicamba

  • Acetone

  • Acifluorfen

  • Alachlor

  • Aldicarb

  • Aldicarb Sulfone

  • Aldicarb Sulfoxide

  • Aldrin

  • alpha-Chlorodane

  • Ametryn

  • Aroclor (1016, 1221, 1232, 1242, 1248, 1254, 1260)

  • Atraton

  • Atrazine

  • Baygon

  • Bentazon

  • Benzene

  • Bromacil

  • Bromoacetic Acid

  • Bromobenzene

  • Bromochloromethane

  • Bromodichloromethane

  • Bromomethane

  • Bromoform

  • Butachlor

  • Butylate

  • Carbaryl

  • Carbofuran

  • Carbon Tetrachloride

  • Carboxin

  • Chloramben

  • Chlordane

  • Chloroacetic Acid

  • Chlorobenzene

  • Chloroethane

  • Chloroform

  • Chloromethane

  • Chlorpropham

  • cis-1,2-Dichloroethylene

  • cis-1,3-Dichloropropene

  • cis-Nonachlor

  • Cycloate

  • Dacthal Acid

  • Dalapon

  • Diazinona

  • Dibromoacetic Acid

  • Dibromochloropropane (DBCP)

  • Diazinona

  • Dibromomethane

  • Dicamba

  • Dichloroacetic Acid

  • Dichlorodifluoromethane (CFC 12)

  • Dichloromethane

  • Dichlorvos

  • Diclorprop

  • Dieldrin

  • Dinoseb

  • Diphenamid

  • Disulfoton

  • Disulfoton Sulfone

  • Disulfoton Sulfoxidea

  • Endrin

  • EPTC

  • Ethoprop

  • Ethylbenzene

  • Ethylene Dibromide (EDB)

  • Fenamiphos

  • Fenarimol

  • Fluorobenzene

  • Fluridone

  • gamma-Chlorodane

  • Glyphosate

  • Halo acidic Acids (HAA5)

  • Heptachlor

  • Heptachlor Epoxide

  • Hexachlorobenzene

  • Hexachlorobutadiene (CCC)

  • Hexachlorocyclopentadiene

  • Hexazinone

  • Isopropylbenzene (Cumene)

  • Lindane (Gamma-BHC)

  • Merphos

  • Methiocarb

  • Methomyl

  • Methoxychlor

  • Methyl Paraoxon

  • Methyl tert-Butyl Ether (MTBE)

  • Metolachlor

  • Metribuzin

  • Mevinphos

  • MGK 264

  • Molinate

  • Monochlorobenzene

  • m-Xylenes

  • Naphthalene

  • Napropamide

  • n-Butylbenzene

  • Norflurazon

  • n-Propylbenzene

  • Oxamyl

  • o-Xylene

  • Pebulate

  • Pentachlorophenol

  • Picloram

  • Prometon

  • Prometryn

  • Pronamidea

  • Propazine

  • p-Xylenes

  • sec-Butylbenzene

  • Simazine

  • Simetryn

  • Stirofos

  • Styrene

  • Tebuthiuron

  • Terbacil

  • Terbufos

  • Terbutryn

  • tert-Butylbenzene

  • Tetrachloroethylene (PCE)

  • Tetrahydrofuran (THF)

  • Thiobencarb

  • Toluene

  • Toxaphene

  • trans-1,2-Dichloroethylene

  • trans-1,3-Dichloropropene

  • trans-Nonachlor

  • Triademefon

  • Tribromoacetic Acid

  • Trichloroacetic Acid

  • Trichloroethene (TCE)

  • Trichloroethylene

  • Trichlorofluoromethane (CFC 11)

  • Tricyclazole

  • Vernolate

  • Vinyl Chloride

HEAVY METALS:

  • Aluminum (>75%)

  • Antimony (>97.5%)

  • Barium (>80%)

  • Cadmium (>99.5%)

  • Cobalt (>95%)

  • Chromium (>95%)

  • Chromium 6 (>99.85%)

  • Copper (>95%)

  • Lead (>97.5%)

  • Mercury (>98%)

  • Molybdenum (>90%)

  • Nickel (>95%)

  • Vanadium (>87.5%)

ALSO, REMOVES OR REDUCES:

  • Arsenic (>99%)

  • MBAS (>96.67%)

  • Nitrites (>95%)

  • Selenium (>97.5%)

  • Thallium (>99.5%)

  • Rust, Silt, Sediment, Turbidity, Foul Taste, and Odours

Using Facebook For Your Nail Salon

For our Vietnamese blog post, click here

The average person spends MORE THAN HALF their waking life on electronic devices.  It does not matter how good your salon is, if potential customer’s phone searches take them to your competitors, you lose out!  You can also use the following steps to effectively get new staff. 

Step 1 Claim your Company’s Facebook listing by searching for your company. After searching for the unclaimed page, click “is this your business” circled in red in the following image and following the steps it prompts.step 1 claim your page.png

Step 2 Once you claimed your business, under Settings of your company Facebook page set your preferred Page audience. Choose your desired age group for your best demographics.   Target your client groups.2 audience

Step 3 Create a post to lead your campaign – for your business you want to make a price cut sheet or some other sales/promotional material.  3 Boost post

Spend as much as you can on buying traffic. Margins may stay the same or decrease but the only thing that matters is volume. Analyze conversion rates and adjust targeted demographics accordingly.  I included some screen shots of what I do for my own page. If it was not for Facebook, my company may not exist – before 2015 most of our revenue came from oilfield related customers- many of which are now shutdown.

Using the existing Facebook infrastructure is more efficient than building an SEO optimized website from scratch with enough apps, to allow certified customer ratings, reviews, photos etc. 

Encourage interaction by taking pictures of your work and hash tagging your salon name #______yeg and #edmontonnails or #yegnails. You can also encourage more interaction from customers by making a contest for example, clients that hashtag the salon name #thutnailsyeg will be entered into a monthly draw an the monthly winner will receive 10% off their next service.

Acquiring the customer is the most difficult thing in business, once you have the customer, you don’t have just the one sale – in the nail business, you set up a recurring cost as they will need to come back periodically.  I have more advice for nail salons here: https://thutaccounting.wordpress.com/2017/05/19/choosing-your-market-pricing/

Replying to reviews on Facebook

It is very important to respond to reviews whether it is good or not. This shows customers that your business is not in it for a quick cash-grab, but that you value your customers and their relationship. This creates trust for both existing and new customers.

Below are some examples:

Replying to not-so-good reviews: (You should not use the business name so it doesn’t show up in search results)

Thank-you for bringing that to our attention. Your feedback helps us grow and get better. So please take a a minute and let us know: 1- What we can do better to earn 5 stars, 2- What do you like best about the way we do business? 3- How does our salon compare with other nail salons you’ve visited? We’ll use your response to create a better experience for everyone.


My name is _____ and I am the Owner/Manager. I’m sorry to hear about your bad experience. Our new team would like to make this right with you. If you’d like to discuss this further, please private message me through here.

I’m sorry to hear about your bad experience. We’re normally known for our exceptional work and regret that we missed the mark. My name is ______ and I am the Owner/Manager. We would like the opportunity to fix this. If you’d like to discuss this further, please private message me through here.


I am truly sorry you had such a disappointing experience.  Our goal is just the opposite and we hope to exceed all expectations by going above and beyond with our facilities, services and of course; overall client experience.  Thank you for taking time to provide us with your feedback as we are constantly providing feedback to our teams as to how we can be better.



Replying to good reviews: (You should use the business name so it shows up in search results)
Thanks for leaving a review and mentioning the tech’s name. You’re right, she is great! We hope to see you again soon at (@salonname) , and bring a friend!

Thank you so much! We are pleased that you enjoyed your visit at (@salonname). We hope to see you again soon.

Your review just made my day! Thank you so much for taking the time to share your experience at (@salonname). It means a lot to us!

I was so happy to hear that (Tech’s name) provided you with excellent service. I’ll be sure to share your feedback with her and the entire team at (@salonname). We love knowing that our customers appreciate their work.


Finally, you shouldn’t copy & paste these examples for every single review because each reply should be sincere!


  • Share with someone that could use some advice in this post or save some taxes and EARN UP TO $583! For every customer you refer we’ll give you a free month or a gift card equal to 1 month of service of your referral – whatever is bigger! Anyone you refer gets a free month of bookkeeping!
  • The end-to-end solution at an unrivaled annual fixed price. There is more time, more inspiration and more money for the implementation of your business. Do not waste money and time with taxes and accounting.  At the cost of just 1% or less we reduce customer total costs by 3-30% (taxes + accounting).
  • SwissBooks provides complete accounting, bookkeeping, payroll and tax solutions for Canadian controlled private corporations throughout Canada in a wide variety of industries and leverages extensive expertise to deliver the best solutions to our customers.
  • The strategy was to enter Canada at the high end of the market: Edmonton’s oil and gas industry, where customers were prepared to pay a premium, and  SwissBooks used that money to develop cost efficient accounting solutions for other sectors.  In turn, that money was used to develop even more cost efficient accounting – driving down the market to higher unit volumes and lower prices with each successive category: Industry, Enterprise, Venture, Boutique, Micro-businesses and Holding Corporations.  Take advantage that Alberta’s oil and gas enterprises spent millions of dollars to pay for the development to let you outsource your accounting at an affordable cost.  
  • Send us your prior financials and we will prove to you how our value is unrivaled in Canada.
➤➤➤

Sử dụng Facebook cho tiệm Salon của bạn

For our English blog post, click here

Người trung bình dành hơn một nửa cuộc sống thức dậy của họ trên các thiết bị điện tử. Bất kể salon của bạn tốt như thế nào, nếu khách hàng không thể tìm thấy doanh nghiệp của bạn trên điện thoại, bạn sẽ mất khách hàng! (Bạn cũng có thể sử dụng các bước sau để có được nhân viên mới.)

Step 1 Xác nhận Công ty của bạn trên Facebook bằng cách tìm kiếm công ty của bạn. Sau khi tìm kiếm trang được, hãy nhấp vào “is this your business” đã được tô màu đỏ trong hình ảnh sau và làm theo các bước mà nó được nhắc.

step 1 claim your page

Step 2 Khi bạn tuyên bố doanh nghiệp của mình, trong Cài đặt của trang công ty Facebook của bạn, đặt Đối tượng trên trang ưa thích của bạn Chọn nhóm tuổi tốt nhất cho Công ty của bạn. Nhắm mục tiêu các nhóm khách hàng của bạn.

2 audience

Step 3 Tạo một bài đăng để lãnh đạo chiến dịch của bạn – đối với công việc kinh doanh của bạn, bạn muốn làm một bảng cắt giảm giá hoặc một số tài liệu bán hàng / quảng cáo.

3 Boost post

Sử dụng Facebook có hiệu quả hơn việc xây dựng một trang web SEO.

Khuyến khích tương tác bằng cách chụp ảnh công việc của bạn và hashtag tên salon của bạn #______yeg và #edmontonnails hoặc #yegnails. Bạn cũng có thể khuyến khích nhiều sự tương tác hơn từ khách hàng bằng cách tạo một cuộc thi chẳng hạn như khách hàng hashtag tên tiệm #thutnailsyeg sẽ được nhập vào một cuộc xổ số hàng tháng mà người chiến thắng sẽ nhận được 10% cho dịch vụ tiếp theo.

Tiếp thu khách hàng là điều khó khăn nhất trong kinh doanh, khi bạn có khách hàng, bạn không chỉ có một lần bán hàng – trong kinh doanh móng tay, bạn đã thiết lập một chi phí định kỳ vì họ sẽ cần phải quay trở lại. Tôi có thêm lời khuyên cho tiệm nail ở đây: https://thutaccounting.wordpress.com/2017/05/19/choosing-your-market-pricing/


Trả lời Review trên Facebook

Điều rất quan trọng là phải trả lời các bài đánh giá (review) cho dù đó là tốt hay không tốt. Điều này cho khách hàng thấy rằng doanh nghiệp của bạn không phải kiếm tiền nhanh, nhưng bạn đánh giá khách hàng và mối quan hệ của họ. Điều này tạo niềm tin cho khách hàng hiện tại và cả khách hàng mới. (It is very important to respond to reviews whether it is good or not. This shows customers that your business is not in it for a quick cash-grab, but that you value your customers and their relationship. This creates trust for both existing and new customers.)

Dưới đây là một số ví dụ (Below are some examples):

Trả lời cho một khách hàng không hài lòng: (Bạn không nên sử dụng tên doanh nghiệp để nó không hiển thị trong kết quả tìm kiếm – You should not use the business name so it doesn’t show up in search results)

Thank-you for bringing that to our attention. Your feedback helps us grow and get better. So please take a a minute and let us know: 1- What we can do better to earn 5 stars, 2- What do you like best about the way we do business? 3- How does our salon compare with other nail salons you’ve visited? We’ll use your response to create a better experience for everyone.


My name is _____ and I am the Owner/Manager. I’m sorry to hear about your bad experience. Our new team would like to make this right with you. If you’d like to discuss this further, please private message me through here.

I’m sorry to hear about your bad experience. We’re normally known for our exceptional work and regret that we missed the mark. My name is ______ and I am the Owner/Manager. We would like the opportunity to fix this. If you’d like to discuss this further, please private message me through here.


I am truly sorry you had such a disappointing experience.  Our goal is just the opposite and we hope to exceed all expectations by going above and beyond with our facilities, services and of course; overall client experience.  Thank you for taking time to provide us with your feedback as we are constantly providing feedback to our teams as to how we can be better.



Trả lời cho một khách hàng hài lòng: (Bạn nên sử dụng tên doanh nghiệp để nó hiển thị trong kết quả tìm kiếm – You should use the business name so it does show up in search results)
Thanks for leaving a review and mentioning the tech’s name. You’re right, she is great! We hope to see you again soon at (@Tên của tiệm) , and bring a friend!

Thank you so much! We are pleased that you enjoyed your visit at (@Tên của tiệm). We hope to see you again soon.

Your review just made my day! Thank you so much for taking the time to share your experience at (@Tên của tiệm). It means a lot to us!

I was so happy to hear that (Tên của Tech) provided you with excellent service. I’ll be sure to share your feedback with her and the entire team at (@Tên của tiệm). We love knowing that our customers appreciate their work.


Cuối cùng, bạn không nên copy&paste các ví dụ này cho mỗi bài đánh giá vì mỗi câu trả lời phải chân thành! Finally, you shouldn’t copy & paste these examples for every single review because each reply should be sincere!


  • Share with someone that could use some advice in this post or save some taxes and EARN UP TO $583! For every customer you refer we’ll give you a free month or a gift card equal to 1 month of service of your referral – whatever is bigger! Anyone you refer gets a free month of bookkeeping!
  • The end-to-end solution at an unrivaled annual fixed price. There is more time, more inspiration and more money for the implementation of your business. Do not waste money and time with taxes and accounting.  At the cost of just 1% or less we reduce customer total costs by 3-30% (taxes + accounting).
  • SwissBooks provides complete accounting, bookkeeping, payroll and tax solutions for Canadian controlled private corporations throughout Canada in a wide variety of industries and leverages extensive expertise to deliver the best solutions to our customers.
  • The strategy was to enter Canada at the high end of the market: Edmonton’s oil and gas industry, where customers were prepared to pay a premium, and  SwissBooks used that money to develop cost efficient accounting solutions for other sectors.  In turn, that money was used to develop even more cost efficient accounting – driving down the market to higher unit volumes and lower prices with each successive category: Industry, Enterprise, Venture, Boutique, Micro-businesses and Holding Corporations.  Take advantage that Alberta’s oil and gas enterprises spent millions of dollars to pay for the development to let you outsource your accounting at an affordable cost.  
  • Send us your prior financials and we will prove to you how our value is unrivaled in Canada.
➤➤➤