Start Here Magazine Issue 8
Transcript of Start Here Magazine Issue 8
-
8/2/2019 Start Here Magazine Issue 8
1/13
Xg}} l}x g}
ghh} ^=\
Lgb x
xhg lg ^;\
Txx}h tgx ii i
HTG ^:4\
] }} x}ii hg u
} g } b i glx g}
Ig}
x2
Tge` 7;
-
8/2/2019 Start Here Magazine Issue 8
2/13
U`aa,cii cz
ioa}ky zohk3
o}x pt }c ycp&
X`` ukohk bcjx `gzf ukg}&
@{tacz` }cfx ci moii`z`f} HTG hgz``zx g}
X}gz}K`z`EcTagh`x&hcl#XgagzyXfgtxkc}&
]k`z`x lcz` uk`z` }kox hgl` zcl& G ac} lcz`& Hk`hn cp} X}gz}K`z`EcTagh`x&hcl&
]gja` c Hcf}`f}x
X]GZ] K@Z@ LGEGROF@ Oxxp` (;
9
79
_`x ) Fc
]k`z`x lcz` }c }k`x` ghhcpf}ofe wp`x}ocfx
}kgf cp loek} }kofn&
=
(Igoa
Kcu fc} }c xhz`u pt cf Igh`jccn gfm c}k`z
xchoga f`}ucznofe xo}`x&
;
Hcllpfo} Hcaa`e`
Mcf} cy`zaccn }k` tc}`f}ogaa
gu`xcl` tcx},koek,xhkcca ct}ocf&
74
Ecccga'
Kcu hcaa`e` x}pm`f} Gfe`a Bol`f`r `{h`ax!
uk`}k`z of ha`g}x cz of}`zyo`u xkc`x&
7:
HTG LGXK
G xcz},c,lgeohga gttzcghk }c tz`moh}ofe
cpz p}pz`&
70
Xchn O} Gug! Fcu
Iofgfhoga }otx }c tp} cp of ez`g} xkgt` mcuf
}k` zcgm&
7=
Wpohn Hg}hk`x A`gm }c }k` Joe Ioxk
]cmgx ao}}a` cttcz}pfo}o`x gmm pt }c
ez`g}f`xx }clczzcu&
7;
T`zxox}`fh` ox @y`z}kofe
Kcu HTG Xhc}} E`gfx cy`zhgl` gaa nofmx c
x}p gfm caacu`m g czl`z tz`xom`f}x a`gm&
:4
Gxn g HTG
Xcgn pt ygapgja` hgz``z ofxoek}x zcl }kcx`
ukc nfcu j`x}&
::
Hcaa`e` ox Hgaaofe
X}`tx gfm loxx}`tx
cf }k` ug }c cpz
mz`gl xhkcca
YT! HIC! HTG! Kon`'
X`` kcu B`ff``f
Ngplgf hgaax tagx cz
}k` ]`ff`xx`` ]o}gfx&
http://www.startheregoplaces.com/SalarySnapshothttp://www.startheregoplaces.com/http://www.startheregoplaces.com/http://www.startheregoplaces.com/SalarySnapshot -
8/2/2019 Start Here Magazine Issue 8
3/13
G cfmf`xx cz hgahpag}ocfx gfm g}}`f}ocf }c
m`}goa hgf k`at& O} lpx} kgy` j``f of l e`f`x!
xgx Lgz}kg Lgyz`m`x! M`tp} Gpmo}cz c Tpjaoh
Ghhcpf}x of Zohklcfm! YG& Uk`f O ugx gjcp}
74 `gzx cam g} hglt O x`f} l lcl gf o}`lor`m
ghhcpf}ofe c kcu O xt`f} -0 g} }k` hglt x}cz`&
]kofnofe! a`gmofe! gmyoxofe! gxnofe cz gmyoh`!
l`f}czofe! j`ofe l`f}cz`m ]kg}x ukg} j`ofe
g HTG hcfxox}x c cz Mgyom Hgltj`aa! Moz`h}cz!
Xc}ugz` M`aoy`z ) Xpttcz} g} }k` GOHTG& Fcf`
c }kg} xcpfmx lphk aon` gzo}kl`}oh }c px&
= ]zp]k of GHHcpf]ofe
Icz y`f lcz` tc}`f}oga gfxu`zx }c cpz hgz``z wp`x}ocfx!
hk`hn cp} gaa }k` ct}ocfx g} X}gz}K`z`EcTagh`x&hcl&
]g{ x`gxcf ox g jpx }ol` ofm``mcz HTGx
ukc uczn of }k` }g{ xt`hogaorg}ocf& +O}x gaxc
g y`z tzc}gja` }ol` c `gz! c hcpzx`&/ Jp}
tcx},Gtzoa3 Yghg}ocf ho}&
]g{ ox bpx} cf` c ac}x c xt`hogaorg}ocfx ct`f
}c HTGx! ofhapmofe ofczlg}ocf }`hkfcace!jpxof`xx ygapg}ocf! gpmo}ofe gfm cz`fxohx! gfm
lcz`& Xc ofx}`gm c mcofe }g{`x! cp hcpam
j` lgfgeofe mg}g ofx}`gm c mcaagzx! }`aaofe g
H@C ukg} kox hcltgfx ucz}k! }zghnofe mcuf
fgfhoga `yoamc`zx cz gzepofe cpz hgx` of hcpz}&
Gfm cp hgf j` mcofe gaa }kox of ofmpx}zo`x
zgfeofe zcl ccm gfm gxkocf }c fcftzc}
gfm `mphg}ocf& Xc uk`}k`z cpz` xgltaofe }k`
m`xx`z} l`fp cz xgyofe }k` uczam! o}x gaa
pt }c cp&
X}gz}ofe cp}! cp lg fm cpzx`a g} g
hcfy`f}ocfga m`xn! of g hcfy`f}ocfga ch`!
lgj` y`f pfm`z ipcz`xh`f} aoek}x&
Jp} o}x cpz bcj }c cy`zhcl` }kg}& Aon`! ck! Bol
U`xj`zz! ukcx gf Of}`zfg}ocfga Hcfxpa}gf}
ucznofe zcl kox kcl` of }k` Gfm`x lcpf}gofx
c @hpgmcz& ]z }`aaofe }kg} ep gf ghhcpf}ofe
bcj }o`x cp mcuf&
U`aa! o} k`atx }c aon` "`gzfofe" lcf`& X}gz}ofe
ghhcpf}gf}x lgn` gf gy`zge` c -04!444 t`z
`gz& Cfh` cpy` ec} lcz` `{t`zo`fh`! cpz
xgagz hgf ezcu }cc& Hko` Iofgfhoga Ch`zx
lgn` gfuk`z` zcl -744!444 }c -=44!444&
]k` xg ghhcpf}ofe ox }k` agfepge` c
jpxof`xx! gfm lcf` hcpam j` hcfxom`z`m }k`
agfepge` c ghhcpf}ofe& Jp} gaa }kcx` mcaagzx gfm
h`f}x gz` bpx} g l`gfx c ghhcltaoxkofe joee`z
}kofex& ]kofex aon` gmyoxofe hcltgfo`x cf }k`oz
f`{} lcy`x& Cz }`x}oofe }c g bpme` gjcp} gf
of}`aa`h}pga tzct`z} aguxpo}& Cz lgnofe xpz`
`y`z tzoyg}` of }k` P&X& Gzl e`}x g tghk`hn&Mc
O kg` }c
j` ez`g}
g} lg}k3
Mc
O kg` }c
xO} Of
g hpjOha`3
UOaa
O j` McOfe
t`cta`x
}g{`x gaa
Mgy3
Ox O}
gaa gjcp}
lcf`y3
-
http://www.startheregoplaces.com/http://www.startheregoplaces.com/ -
8/2/2019 Start Here Magazine Issue 8
4/13
B`ff``f Ngplgf ox g uclgf of }k` FIA&Xk` mc`xf} xt`fm k`z Xpfmgx cf }k` aof`
c xhzollge`& Ofx}`gm xk` n``tx }k` ]`ff`xx``]o}gfx fgfhogax of aof`&
B`ff``f ucznx of }k` ]o}gfx zcf} ch` gx Yoh`Tz`xom`f}#HIC& ]kg} l`gfx xk` e`}x }c `ygapg}` zgfhkox`
hcx}x gfm hcf}zgh}x! hgahpag}` xoefofe jcfpx`x! lgn` xpz` }k`tag`zx gfm hcghk`x e`} tgom gfm! ck `gk! `fbc }k` egl`x zcl g ap{pz xpo}`&
Xk` kgx gaugx kgm g acy` cz xtcz}x! jp} xk` f`y`z of}`fm`m }c lgn` o} g hgz``ztg}k& Uo}k k`z cp}ecofe t`zxcfgao}! g nfghn cz f`}ucznofe gfm g jo} c hkgfh`!
B`ff``f fm`m pt of }k` zoek} tagh` g} }k` zoek} }ol`&
Ukoa` tagofe xc}jgaa uo}k g czl`z hcaa`gep`! B`ff``f l`f}ocf`m }kg}k`z `ltac`z ugx hcfxcaomg}ofe ch`xukohk l`gf} xk`m kgy` }ca`gy` }k` x}g}` uk`z` xk` ez`u pt! gx u`aa gx k`z gloa gfm zo`fmx&G hcpta` mgx ag}`z! }k` hcaa`gep` hgaa`m k`z uo}k f`ux }kg} }k`Kcpx}cf Coa`zx u`z` lcyofe }c ]`ff`xx``! gfm ucpam j` kozofe g f`uhcf}zcaa`z& ]k` z`x} ox kox}cz& B`ff``f ec} }k` bcj gfm kgx uczn`m cz}k` }`gl `y`z xofh`&
Xk` mc`xf} mc }k` tag`zx }g{`x! jp} xk` ox ofycay`m of xcl` tz`}}gu`xcl` }kofex& Cf` c k`z gyczo}` tgz}x c j`ofe }k` HIC cz }k`
}`gl ox }kg} xk` ox ofycay`m uo}k `y`z gh`} c }k` czegforg}ocf& Uk`fcp gz` m`gaofe uo}k }k` lcf` c gf czegforg}ocf! cp z`gaa kgy`
}c nfcu gaa }k` ofx gfm cp}x! xk` xgx& O z`gaa aon` }kg}! j`hgpx` O nfcuukg} y`z m`tgz}l`f} of }kox czegforg}ocf mc`x& O nfcu ukg} }k` yom`c
m`tgz}l`f} mc`x! }k` wpotl`f} m`tgz}l`f}! }k` }zgof`zx! }k` hcghkofe x}ggfm }k` lgzn`}ofe m`tgz}l`f}& Xc cz l`! o}x `{}z`l`a of}`z`x}ofe }c j` gja` }cx`` gaa }k` ygzocpx xom`x! ukg} ec`x cf j`kofm }k` xh`f`x gfm ukg} kgtt`fx cf}k` mg c }k` egl`&
YT! HIC! HTG!
KON@'
9 HTG TzcIoa`
B`ff``f NGpILGf HTG!]`ff`xx`` ]o]gfx YT#HIC
Mpzofe k`z }ol` uo}k }k` ]o}gfx! B`ff``f kgx gaugx uczn`m kgzm& Jp} xk`xlgm` xpz` }c kgy` pf ukoa` mcofe o}& Xk`x hcczmofg}`m tcx},egl` tgz}o`x!czegfor`m uko}`ug}`z zg}ofe }zotx cz }k` x}g gfm ecf` jghnx}ge` g} hcfh`z}xk`am g} }k` x}gmopl& Cp}xom` c uczn! B`ff``f ycapf}``zx g} k`z hkpzhk! tagx
xc}jgaa cf }k` u``n`fm! ugn`,jcgzmx gfm }`ghk`x g`zcjohx&
M`xto}` j`ofe cf` c }k` `u ucl`f of g a`gep` tag`m! lgfge`m gfm cuf`mlgofa j l`f! B`ff``f xgx o}x j``f g hcfm`fh` jccx} }c kgy` }k`l hgaa uo}kwp`x}ocfx& O bpx} ``a aon` cf` c }k` epx! xk` xgx& Tapx! }k` xtcz}x lgzn`} oxh`z}gofa hkgfeofe gfm ct`fofe }k`oz mcczx }c lcz` gfm lcz` `lga`x&
Fc lg}}`z ukg} cpz mz`gl bcj ox! B`ff``f xgx }k` j`x} }kofe }c mc ox f`}uczn!f`}uczn! f`}uczn& Lgnofe }k` hcff`h}ocfx! e`}}ofe cp} }k`z` gfm e`}}ofeofycay`m ox `{}z`l`a oltcz}gf}! xk` xgx& E`}}ofe }c nfcu t`cta` ox cf` c}k` j`x} ugx }c e`} cpz cc} of }k` mccz& Gf}kofe }c e`} ofycay`m of }k`hcllpfo} gfm of}`zgh} uo}k t`cta` hcpam tc}`f}ogaa j` g x}`t }c cpz f`{}bcj`y`f o o}x cfa tagofe xc}jgaa uo}k zo`fmx&
Icz l`! o}x `{}z`l`a
of}`z`x}ofe }c j` gja` }c x``
gaa }k` ygzocpx xom`x! ukg} ec`x
cf j`kofm }k` xh`f`x gfm ukg}
kgtt`fx cf }k` mg c }k` egl`&
B`ff``fx bpx} }k` j`eoffofe& Hk`hn cp} }cfx c Z`ga,Ao` HTG tzca`x g} X}gz}K`z`EcTagh`x&hcl&
http://startheregoplaces.com/http://startheregoplaces.com/ -
8/2/2019 Start Here Magazine Issue 8
5/13
;; U`j UoXmcL Zgfmcl Xhklc ox }c}gaa oefczofe }k` lg}k }`ghk`z zoek} fcu&
Yo`u Tkc}cx ci Zgfmcl Xhklc
@mo} Tzca`
Mpppppppk
Oficzlg}ocf
Xhklcx Izo`fm Pl! hcaa`e` gmloxxocfx jcgzmx3 Z`hzpo}`zx3
Ip}pz` `ltac`zx3
Izomg g} :2=9tl ? t`cta` Aon`
Xhklcx Izo`fm _cp l`gf "cpz izo`fmx" Igh`jccn tge`! zoek}3
Izomg g} 82::tl Aon`
Nfcua`me`gja` Hkol`z,Off`z L gmyoh`2 O mcf} hgz` ukg}
cpz tzoygh x`}}ofex xg> mcf} gxxpl` gf}kofe ox tzoyg}`&
Izomg g} =279tl 7: t`cta` Aon`
Nfcua`me`gja` Hkol`z,Off`z Ol g Xchoga L`mog @{t`z} ukc
gmyox`x x}pm`f}x cf }kox gaa }k` }ol`&
Izomg g} =2:7tl Aon`
Nfcua`me`gja` Hkol`z,Off`z X`` ukg} O l`gf3
Izomg g} 02=9tl Aon`
Zgfmcl Xhklc _`gk! zoek}! aon` }k`z` gh}pgaa ecofe }c fm l
Igh`jccn tge`'
Izomg g} :20:tl Aon`
Zgfmcl Xhklc Pk! zoek}& Jp} hgf }k` x`zocpxa fm cp3
O l`gf! kol3
Izomg g} 82=9tl Aon`
Zgfmcl Xhklc Z`gaa3 Ukc gz` cp3
Izomg g} =27;tl Aon`
Zgfmcl Xhklc Ck& ]k`f }kgfnx' Jp} kcu mom cp fm }kox tge`3
Izomg g} 0285tl Aon`
Tcx}
Zgfmcl Xhklc
L izo`fm tcx}x xc lphk hzgrof`xx cf kox IJ tge`& Toh}pz`x! hcfi`xxocfx!
jgm uczmx! `y`z}kofe& O gxn`m kol gjcp} o} jp} k` xgom! Ukcx `y`z
ecofe }c z`gm }kox gfug3
Izomg g} 72=5tl Aon` Hcll`f}
Cf` }kofe "}c" mc2 Bcof cpz Igh`jccn igf tge`& _cpaa
e`} }k` ag}`x} ptmg}`x cf ghhcpf}ofe hgz``zx! gacfe
uo}k f`u x}p cpy` bpx} ec} }c nfcu gjcp}&
Yoxo} Igh`jccn&hcl#X}gz}K`z`EcTagh`x
IGOAUkg} fc} }c mc cf Igh`jccn&+Gfm gaa }kcx` c}k`z xo}`x&/
IGOAUkg} fc} }c mc cf Igh`jccn&
+Gfm gaa }kcx` c}k`z xo}`x&/
Xchoga l`mog ox g ucfm`zipa }kofe& O} a`}x ycp hcff`h} uo}k
t`cta`! xkgz` ycpz jzoaaogfh` gfm fm cp} ukohk ci ycpz
izo`fmx ox ipffo`z }kgf ycp& Jp} }cmgyx zgfmcl tcx} hcpam j`
}clczzcux k`gz}ghk`& A`}x ec }kzcpek g i`u tz`hgp}ocfx }c
lgn` xpz` ycpz` of }k` ha`gz& Ck! gfm j`icz` u` ec gfy ipz}k`z
x`}}ofe ycpz tge` }c tzog}` ox g eccm om`g! jp} mcf} `{t`h}
o} }c n``t cp} ``zyjcmy& ]k` u`jx uczamuom`! zoek}3
K`z`x g eccm zpa` ci }kplj2 ]k` cfay }kofe uczx` }kgf
h`fxczofe ycpzx`ai ox `ljgzzgxxofe ycpzx`ai& Jp} j`ycfm
`ljgzzgxxofe ycp! jgm f`} `}owp`}}` hgf gh}pgaay kpz} ycpz
hkgfh`x ci e`}}ofe of}c }k` hcaa`e` ycp ugf}& Of g z`h`f}
Ugaa X}z``} Bcpzfgagz}oha`! 7 of 74 hcaa`e` gmloxxocfx cih`zx
gmlo}}`m }c hk`hnofe xchoga,f`}ucznofe xo}`x }c z`x`gzhk
x}pm`f}x& Lcz` }kgf g }kozm xgom }k`y momf} aon` ukg} }k`y xgu&
Xc ukoa` ycp loek} fc} }kofn ycpz` tcx}ofe
ofgttzctzog}`ay! j`gz of lofm }kg} xpee`x}o`tkc}cx! icpa agfepge` gfm z`i`z`fh`x }c tgz}yofe
cz mzofnofe hgf hgpx` lgbcz z`m gex& J`xom`x! uo}k
lcz` }kgf 8 loaaocf x}pm`f}x ezgmpg}ofe izcl koek
xhkcca }kox y`gz! mc`xf} o} lgn` x`fx` }kg} hcaa`e`x
ugf} }c tohn }k` j`x} ci }k` jpfhk3 ]k`yz` ``f
hkccxo`z uk`f o} hcl`x }c eoofe cp} xhkcagzxkotx&
]kg} xgom! ycpz ip}pz` jcxx cz gmloxxocfx cih`z tzcjgjay
"ucf}" ``z x`` ycpz loxx}`tx cfaof`& Gfm j`xom`x! ycp
bpx} "nfcu" }kg} xcl`uk`z` }k`z`x g om`c ci kol gfm kox hg}
tagyofe g mp`} cf }k` ghhczmocf& Bpx} `{`zhox` g ao}}a` hgp}ocf
gfm eccm bpmel`f}! gfm ycp xkcpam j` bpx} f`& Pfaon` }kox epy
cf }k` zoek}
IGOA
Z`ag}ocfxkot X}g}px2
Xofea`
Joz}kmg2
I`jzpgz 7:
Hpzz`f} Ho}2
X}g}` ci Jcz`mcl
http://www.facebook.com/StartHereGoPlaceshttp://www.facebook.com/StartHereGoPlaces -
8/2/2019 Start Here Magazine Issue 8
6/13
74 TG]kX ]c XpHH`XX
Ukg} mc ]cl Kgfnx! Gzfcam
Xhkugzr f`ee`z gfm joaaocfgoz`
Zcxx T`zc} kgy` of hcllcf3
]k` gaa x}gz}`m }k`oz mphg}ocf g}
hcllpfo} hcaa`e`x'
Uk hcfxom`z hcllpfo} hcaa`e`3
U`aaj`xom x kgyofe lcz` hgxk cz
ccm gfm pf +hcllpfo} hcaa`e`
}po}ocf ox xoefoihgf}a a`xx }kgf
pfoy`zxo} }po}ocf/! }kofn gjcp} }kox2
Ug} } xg l3
Tgofe a`xx of }po}ocf l`gfx kgyofe lcz`lcf` cz torrg& Tgofe }po}ocf g} ghcllpfo} hcaa`e` ofx}`gm c g} g tpjaohcpz,`gz pfoy`zxo} hcpam xgy` cp pt }c
-0!444 g `gz& Fcu! }kg}x g ac} c torrg'
Ug} } x}g } } hu3
Hagxx xor`x g} hcllpfo} hcaa`e`x zgfe`zcl :0 }c =4 x}pm`f}x hcltgz`m }c 04}c :44. x}pm`f}x g} pfoy`zxo}o`x& ]k` xlgaahagxx xor`x c`z g ez`g} cttcz}pfo} }clgn` g hcff`h}ocf uo}k cpz tzc`xxcz gfmc}k`z hagxxlg}`x& _cpaa gaxc fm }kg} cpgz` lcz` aon`a }c ec }c hagxx uo}k t`cta`cp gaz`gm nfcu zcl koek xhkcca cz c}k`zcp}xom` gh}oyo}o`x&
Gig tixxx u g 3
Lcx} hcllpfo} hcaa`e` tzc`xxczx kgy`z`ga,uczam `{t`zo`fh` gfm ofhcztczg}`z`ga jpxof`xx `{glta`x gfm xo}pg}ocfx of}c}k` hagxxzccl& Gmmo}ocfgaa! g hcllpfo}hcaa`e` tzc`xxczx lgof bcj ox }c `fxpz`cpz xphh`xx of }k` hagxxzccl! c}`f`fhcpzgeofe of,hagxx moxhpxxocfx! gh}oy`a`gzfofe gfm `{}zg }p}czofe&
`g xl 3
Ugf} }c uczn ukoa` g}}`fmofe xhkcca3Hcllpfo} hcaa`e`x c`z hagxx`x mpzofe }k`mg! `y`fofe gfm `y`f cf }k` u``n`fm& ]koxi`{oja` xhk`mpa` tzcyom`x gf cttcz}pfo} }cuczn! ec }c xhkcca gfm x}oaa hg}hk g lcyo`&
m} g g =&43
]kg}x cn& Hcllpfo} hcaa`e`x kgy` gfct`f,mccz tcaoh}kg} l`gfx cp gz`epgzgf}``m }c e`} of& ]k`z`x fc x}z`xxgjcp} }k` gmloxxocf tzch`xx& _cpaa kgy` }k`cttcz}pfo} }c x}gz} uo}k g ha`gf xag}` gfmuczn z`gaa kgzm cf cpz ezgm`x&
Ug} ll } g3
Hcllpfo} hcaa`e` hgltpx`x gz` achg}`mof cpz hcllpfo} gfm gz` hcfy`fo`f} }cuk`z` cp gaz`gm aoy` gfm uczn& _cp hgf`y`f xgy` lcf` j aoyofe g} kcl`&
G Ez`g} Hkcoh`'J ]zgho` A& Fcja`x!HTG! Gxxchog}` Tzc`xxcz!Gpx}of Hcllpfo} Hcaa`e`
L``}uo}kgfgmyoxczj`icz`cp
z`eox}`z gfm g} a`gx} cfh` g `gzg}`z }kg} }c lgn` xpz` }kg} cp gz`cf }k` zoek} tg}k&
Lcx}hcllpfo}hcaa e`x
c`z }uc,`gz tzcezglx }kg}uoaa }zgfx`z }c lcx} cpz,`gzpfoy`zxo}o`x& Jp}! o}x gaugx g eccmom`g }c hk`hn uo}k }k` cpz,`gz
pfoy`zxo} cp ugf} }c g}}`fm gfmlgn` xpz` }kg} cpz hz`mo}xuoaa }zgfx`z&
Iofmcp}ukg}cpzETGuoaaf``m
}c j` of czm`z }c }zgfx`z }c }k`xt`hoh hcaa`e` c cpz hkcoh`&Gaxc hk`hn o cpaa f``m }c `gzfxt`hoh ezgm`x of h`z}gof hcpzx`x&
Xcl`icpz,`gzpfoy`zxo}o`xuoaa
eoy` tz``z`fh` }c hcllpfo}hcaa`e` }zgfx`z x}pm`f}x y`fcy`z }kcx` }zgfx`zzofe zcl c}k`zpfoy`zxo}o`x& Lgn` xpz` }c gxn ocpz tz``zz`m pfoy`zxo} uoaamc }kox&
E`}ofycay m&Hcllpfo}hcaa`e`x
kgy` jpxof`xx hapjx gfm c}k`z
x}pm`f} czegforg}ocfx& Tgz}ohotg}ofeof cp}xom` czegforg}ocfx accnxez`g} cf cpz cpz,`gz pfoy`zxo}gttaohg}ocf gfm z`xpl`&
J`cz` cp m`hom` }kg} g cpz,`gz
pfoy`zxo} ox cpz cfa ct}ocf! }gn`
}k` }ol` }c hcfxom`z cpz achga
hcllpfo} hcaa`e`& A`gzf lcz` g}
X}gz}K`z`EcTagh`x&hcl&
Of}`z`x}`m3 Hkhn cp} }k }t2
http://startheregoplaces.com/http://startheregoplaces.com/ -
8/2/2019 Start Here Magazine Issue 8
7/13
7: z`Ga,aoI` Hcaa`e` GHHcpf]ofe X]pm`f]
ecccGa'Hcaa`e` X]pm`f] Gfe`a BoL`f`rec`X Icz ]k` Uof jc]k cf
Gfm cII ]k` Io`am&
J Aoxg Uohn`z! GOHTG
-
8/2/2019 Start Here Magazine Issue 8
8/13
7= NfcU ycpz mcpek
HTG
T`zkgtx cp bpx} j`egf hcaa`h}ofe cpzzx} z`ga tg hk`hn cz cpz` ghhplpag}ofexcl` hgxk zcl jgjxo}}ofe gfmaguf lcuofe& Fcu }kg} }k`z`xlcf` of cpz ugaa`}! lgn`xpz` o} x}ohnx gzcpfm gfm ox}k`z` uk`f cp f``m o}&K`z` gz` g `u }otx }c k`at
cp lgfge`cpz fgfh`x&
f ] X ] j}
]k` cpfmg}ocf c xlgz}lcf` lgfge`l`f}m`t`fmx cf nfcuofe ukg}cpz ofhcl` gfm `{t`fx`x gz`gfm jpme`}ofe ghhczmofea& _cpz ofhcl`lg j` `gx }c epz` cp}bpx} accn g} cpztghk`hn& _cpz pa}olg}` ecga ox }c a`gzfkcu }c ghko`y` g jgagfh` j`}u``f lcf`hclofe of gfm lcf` ecofe cp}& ]c m`y`actg jpme`}! x}gz} j aox}ofe cp} gaa xcpzh`x cz`epagz ofhcl`& F`{}! hz`g}` g aox} c z`epagz`{t`fx`x cp tg cz& Xpj}zgh} }k` `{t`fx`xzcl ofhcl`& O cpz ofhcl` ox ez`g}`z }kgfcpz `{t`fx`x! cpz` of eccm xkgt`& Jp}o o}x }k` c}k`z ug gzcpfm! cpaa f``m }ce`f`zg}` lcz` ofhcl` cz hp} `{t`fx`x!cz jc}k& O hp}}ofe `{t`fx`x! accn g} cpzugf}x zx}xphk gx gf oTgmgfm x`` uk`z`}k`z`x zccl }c lgn` hp}x& ]k`z`x a`xx
i`{ojoao} uk`f o} hcl`x }c cpz f``mxxphk gx egx }c e`} }c uczn&
zg mgx G f} ] c zgx ] Xg
F`u hgz3 Hcaa`e` `{t`fx`x3 ]zot g}`zezgmpg}ocf3 X`} g xgyofex ecga gfm mg}` }cghko`y` }kox j& M`}`zlof` kcu lphk cpf``m }c xgy` zcl `ghk tghk`hn }c ghko`y`cpz ecga& O cp z`h`oy` lcf` cz cpzjoz}kmg! kcaomg cz c}k`z chhgxocf! tp} g}a`gx} kga of cpz xgyofex ghhcpf}& Xgyofegaa cz g tcz}ocf c gf pf`{t`h}`m fgfhogauofmgaa uoaa k`at cp ghko`y` cpz ecgagx}`z cz lg `fgja` cp }c ptezgm`cpz ecga! xphk gx tpzhkgxofe g hgzuo}k g xpfzcc'
X}gx o} Gug
Xgyofex ghhcpf}x gaacu cp }c n``t cpzlcf` of g xg` tagh`& ]k`x` ghhcpf}x
pxpgaa z`wpoz` `o}k`z g acu lofolpljgagfh`! aon` -:0! cz lg z`wpoz` fclofolpl jgagfh` g} gaa& X`} g ecga }c xgy`
g h`z}gof t`zh`f}ge` c `ghk tghk`hn!74%! :0% cz 04%! gfm }z }c x}ohn }c o}&
@y`f o cp hgf} xuofe o} uo}k `ghktg hk`hn! mcf} e`} moxhcpzge`m&Bpx} j` xpz` }c xgy` o} f`{} }ol`&
Ux IoHG3O cp gz` z`h`oyofe g tghk`hncz }k` zx} }ol`! lgn` xpz` cp
pfm`zx}gfm gaa }k` lgfmg}czm`mph}ocfx }gn`f zcl o}& _cpz
hk`hn x}pj aox}x gaa `gzfofex! }g{`x gfmlgfmg}cz m`mph}ocfx aox}`m cz jc}k }k`
hpzz`f} tg t`zocm gx u`aa gx `gz,}c,mg}`}c}gax& K`z`x g jzo` `{tagfg}ocf c }k` lcx}hcllcf lgfmg}cz m`mph}ocfx&
I`m`zgaofhcl`}g{loek}j`gjjz yog}`m
gx I`m ]g{! I] cz IU]& ]k` glcpf}uo}kk`am zcl cpz tg m`t`fmx cf ocpz` lgzzo`m cz xofea` gfm kcu lgfgaacugfh`x cp hagol cf }k` Iczl U,=cp a`m uo}k cpz `ltac`z&
X}g}`ofhcl`}g{loek}j`gjjz`yog} mX} ]g{! X] cz XU]& M`t`fmofe cf uk`z`cp aoy`! cp loek} fc} kgy` x}g}`uo}kkcamofe cz kgy` uo}kkcamofe cz lcz`}kgf cf` x}g}`! }kg} ox! }k` x}g}` cp aoy` of
gfm }k` x}g}` cp uczn of&
Achgaofhcl`}g{loek}j`uo}kk`amcf
uge`x `gzf`m ofxom` ho}! hcpf} gfmxhkcca mox}zoh} jcpfmgzo`x&
XchogaX`hpzo}}g{loek}j`
gjjz`yog}`m IOHG! XX! XXU] cz CGXMO&@y`f o cp kgy` -4 uo}kk`am cz`m`zga! x}g}` gfm achga ofhcl` }g{`x!cp pxpgaa lpx} kgy` Xchoga X`hpzo}gfm L`mohgz` }g{`x uo}kk`am&
Xlgz} lcf` kgjo}x agx} g ao` }ol`&]gn` }k` }ol` fcu }c x`} cp} cf}k` zoek} fgfhoga tg}k& Icz lcz`ofczlg}ocf gfm }ccax }c k`at cplgfge` cpz fgfh`x! cp hgf hk`hncp} uuu&894fgfhogao}`zgh&czegfmuuu&``m}k`toe&cze&
XcHN o] GUGy! fcUIofgfhoga ]otx cz Koek Xhkcca X}pm`f}x
Mcf} }zpx} tgt`z tzctk`}x3 E`} g lcz` m`}goa`m accn j jpoamofe
g Ip}pz`L` g} X}gz}K`z`EcTagh`x&hcl&
http://www.360financialiteracy.org/http://www.feedthepig.org/http://www.startheregoplaces.com/http://www.startheregoplaces.com/http://www.feedthepig.org/http://www.360financialiteracy.org/ -
8/2/2019 Start Here Magazine Issue 8
9/13
79 j` Tz`TGz`m
lgn` g tagf& Lgt cp} }k` hagxx`x cpm aon` }c }gn` j`}u``f fcugfm ezgmpg}ocfcf`x }kg} of}`z`x} gfm hkgaa`fe` cp&
e`} ofycay`m of `{}zghpzzohpagz gh}oyo}o`x& Uk`}k`z o}x t`zczlofeuo}k }k` mzglg hapj cz uganofe mcex g} }k` gfolga xk`a}`z!tgz}ohotg}` of xcl`}kofe cp `fbc&
}gn` }k` TXG]& ]kofn c }k` Tz`aolofgz Xhkcagx}oh Gt}o}pm` ]`x}gx g z`k`gzxga cz }k` XG] cz GH]&
iz`gn cp} oi cp mcf} mc xc u`aa cf }k` TXG]& ]kg}x uko}x hgaa`m "tz`aolofgz!" xc cp hgf nfcu ukg} }c uczn cf&
Uk`f ycpz` g iz`xklgfgfm xctkclcz`2
Aon`}k`x`om`gx3Hk`hncp}X}gz}K`z`EcTagh`x&hcl#Hcaa`e`,Hk`hnaox}icz`y`flcz`}otxgfm}chz`g}`cpzcuft`zxcfgaor`maox}ci}c,mcx&
Uk`f ycpz` g bpfocz2
lgn` izo`fmx uo}k cpz epomgfh` hcpfx`acz& K` cz xk` hgf k`at cptz`tgz` ghgm`lohgaa! om`f}o eccm,} xhkccax gfm fm xhkcagzxkotlcf` gfm tz`tgz` ghgm`lohgaa&
hkccx` 74 tc}`f}oga hcaa`e`x& _cpy` ec} ac}x c ct}ocfx&Fcux }k` }ol` }c fgzzcu }k`l mcuf& Tohn }k` 74 xhkccax }kg}of}`z`x} cp lcx}
}gn` }k` XG] cz GH]cz lgj` jc}k & Xoef pt cz }k`}`x}+x/ }kg} cpz tz``zz`m hcaa`e`x tz``z&
icze`} }c x`} cpz gagzl& Ukg}x uczx` }kgf }gnofe g }`x}3]gnofe g }`x} uo}k lczfofe jz`g}k gfm j`m k`gm&
e`} czegfor`m& Uzo}` mcuf gaa c cpz }`x} mg}`x gfm ``x!hgltpx gttcof}l`f}x gfm gttaohg}ocf m`gmaof`x&
xpjlo} cpz IGIXG& O cp f``m k`at tgofe cz hcaa`e` +gfm ukcmc`xf}3/! hclta`}` }k` Iz`` Gttaohg}ocf cz I`m`zga X}pm`f} Gom+IGIXG/jp} ugo} pf}oa Bgfpgz 7 }c xpjlo} o}& +]k` ecy`zfl`f}ucf} ghh`t} o} j`cz` }k`f&/
x`fm cp} }kcx` gttaohg}ocfx& ]zgfxhzot}3 Hk`hn& @xxg3 Hk`hn&Hk`hn3 Hk`hn& Tghnge` pt cpz hcaa`e` gttx gfm xpjlo} }k`l
cfaof` cz e`} }k`l of }k` lgoa&
`{t`h} eccm f`ux& _cpy` mcf` gaa }k` kgzm ucznfcu bpx} ugo}cz }k` ghh`t}gfh` a`}}`zx }c hcl` of&
x}gan }k` tcx}ga hgzzo`z& ]k` lgf ox jzofeofe }k` lgoagx gx} gx k` hgf&
Uk`f ycpz` g x`focz2
http://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklisthttp://www.startheregoplaces.com/College-Checklist -
8/2/2019 Start Here Magazine Issue 8
10/13
wpohn hg}hk`xa`gm }c }k`Joe Ioxk
7; k`z` Gfm fcU
]kofn cp xkcpam ugo} pf}oa g}`z hcaa`e`
ezgmpg}ocf }c egof cpz zx} uczn
`{t`zo`fh`3 J`ao`y` }kg} `f}z a`y`a bcjx
gz`f} ucz}k }k` }ol`3 Cz }kg} }k`z`
gz`f} gf l`zo}x }c tgz}ohotg}ofe of
`{}zghpzzohpagz gh}oyo}o`x3 G}`z gaa! ukg}
hcpam cp tcxxoja egof zcl zccno` uczn
g}}`lt}x cz ycapf}``z cttcz}pfo}o`x3 ]cfx>
}k`x` cz}x hgf tg c joe }ol`'
@{t`zo`fh` ox hplpag}oy` gfm o} ox }k`
xpl c }k` nfcua`me` gfm xnoaax ghwpoz`m
}kzcpek tzcez`xxoy`a z`t`g}`m `{tcxpz`
gfm ofycay`l`f} of gh}oyo}o`x& Uczn gx g
ugz`kcpx` x}chn t`zxcf k`z`! gf ch`
z`h`t}ocfox} }k`z` cz gx g hglt hcpfx`acz
g} cpz achga _LHG cz xpll`z hglt gfm
j`cz` cp nfcu o}! cp kgy` ghwpoz`m
xnoaax }kg} hgf hkzcfcaceohgaa lcy` cp
gacfe }k` uczn ccm hkgof& ]k` jpxof`xx
xnoaax cp ghwpoz` zcl }k` ygzocpx bcjx gfm
gh}oyo}o`x cp tgz}ohotg}` of gz` }zgfx`zgja`
xnoaax& Tzcho`fh of }k`x` xnoaax hgf tg c
moyom`fmx uk`f cp x``n }k` bcj cp gxtoz`
}c ghko`y`&
]k` bcj }o}a`x cp kgy` k`am xg y`z ao}}a`
gjcp} }k` uczn t`zczl`m cf }k` bcj gfm
}k` xnoaax `{`z}`m }c ghhcltaoxk cpz uczn
cjb`h}oy`x& K`z`x g aox} c xnoaax }kg} cp
hgf g}}gof zcl kcamofe cpz ofo}oga bcjx gfm
zca`x of hapjx cz gxxchog}ocfx& Gx cp z`gm
}k`x` xnoaa x`}x! }kofn gjcp} kcu cp ucpam
p}oaor` }k` xnoaa of }k` ghhcpf}ofe tzc`xxocf
gx gf gpmo}cz! zgpm `{glof`z! t`zxcfgafgfhoga tagff`z! jpxof`xx ygapg}cz!
hcf}zcaa`z cz g }`gl xpt`zyoxcz of g zl&
]kcpek }kox aox} ox fc} l`gf} }c j` gaa
ofhapxoy`> }k`z` ox xcl`}kofe }c j` egof`m
zcl `y`z `{t`zo`fh` of ao`> `y`f }k`
}cpek cf`x& @ygapg}` }kox aox} gfm gxx`xx
ukohk xnoaax cp kgy` gaz`gm ghwpoz`m!
kcu }c oltzcy` ptcf }k`l gfm ukohk cf`x
z`wpoz` g}}`f}ocf& Gx cp gmygfh` zcl
cpz ofo}oga zca`x +loffcux/ gfm z`f` gfm
xkgzt`f }k` uoxmcl }kg} a`gmx cp }cugzmx
}k` lcz` hkgaa`feofe gfm aphzg}oy` zca`x
+joe xk/ fgyoeg}ofe }k` x}z`glx c ao` uoaa
j` `gxo`z& Ec cz}k! cpfe loffcux! gfm
x}gz} jpoamofe cpz z`xpl`& +N`2 cp hgf
px` xcl` c }k`x` }`zlx&/
_cpz g}`z xhkcca bcjx gfm `{}zghpzzohpagz
gh}oyo}o`x hgf k`at cp agfm }k` joe tghk`hn&
J BcgffMgyom,Tgzzoaag!GOHTG
Xi} g `ltg} XnxLgof}gof tzc`xxocfga olge ! tcxo}oy`g}}o}pm ! z`xtcfxoja`#m`t`fmgja !x`a,gugz ! x`a,hcfm`f}! z`xpa}xmzoy`f! t`zxox}`f}! tg}o`f}! lgfge`gfm ltac hzo}ohoxl! eccm of}`zyo`u}`hkfowp`x! }kohga! f`}uczn jpoam`z
Xgx XnxHcf}gh}! t`zxpgm`! f`ec}og}`! z`yo`utzcmph}x! m`}`zlof` ygap`! ofczljp`zx! tzclc} ! uczn uo}k t`cta !tzcmph}! x`zyoh` gfm ofmpx}znfcua`me`! kplgf z`ag}ocfx!hacxofe g m`ga
Hg}} XnxOlgeofg}ocf! ofy`f}oy`f xx!jzgofx}czl! lgnofe hcff`h}ocfx!gmm ygap`! hz`g}` xcl`}kofe f`u
+g tzcmph}! x`zyoh cz tzch`xx/
Lggl} XnxTagffofe! czegfor ! caacu,pt!a`gm`zxkot! xhk`mpaofe! gxxoef#m`a`eg}`! moz`h}! koz`! l`gxpz`
tzcmph}ocf! x`} x}gfmgzmx!hcaagjczg}ocf! }ol` lgfge`l`f}!lgn jpxof`xx m`hoxocfx! tzcgh}oy`gfm olta`l`f} xcap}ocfx }c tz`y`f}j`ofe z`gh}oy`
Hllhg} XnxUzo}`! aox}`f! om`f}o fcf,y`zjga hp`x!z`gxcfofe gjoao}! czegfor ! m`f !`{tagof! of}`ztz`} om`gx! z`gm! ucznuo}k hcllo}}``x cz }`glx! tpjaohxt`gnofe! hczz`h} @feaoxk pxge`!m`lcfx}zg}` xpjb`h} nfcua`me`
Ighg XnxJpme`}! z`hcefor gfm xcay`tzcja`lx! gjoao} }c hcfh`f}zg} !ghhpzg}`! kgfma` m`}goa! l`}kcmohga}kofn`z! ghhcpf}ofe tzofhota`x!mg}g tzch`xxofe! ct`zg} jpxof`xxlghkof`x! fgfhoga hcfh`t}x!ofy`x}l`f} tzofhota`x
Hx}l Xh g Glx}g} XnxEpom ! a`gm! aox}`f! `{glof !
m`y act l`}kcmx cz tzch`xx`x!}`hkfcace xnoaax! uczn of g }`gl!of}`ztz`} gfm caacu moz`h}ocfx!mg}g `f}z! czegforg}ocf! tzoczo}or !hcczmofg} ! ofo}og} ! }zcpja`xkcc}oxxp`x cz hkgaa`fe`x
zxgh XnxZ`hcefor tzcja`lx! of}`zyo`u`z!
m`y act wp`x}ocfx! uzo} ! mogefcx !hcaa`h} mg}g! z`yo`u! uczn uo}kcp}moz`h}ocf! uczn acfe,}`zl tzcb`h}x!x}g}ox}ohx! z`x`gzhk m`xoef
Th zg}x XnxTagf! hcfmph}! lgof}gof gyczgja`olge`! ofczl }k` tpjaoh! hcfxpa}!uzo}`! z`x`gzhk! nfcu gfm }gze`}cpz lgzn`}! uczn uo}k t`cta`!l`mog tzch`xx ofycay`l`f}! kplgfz`ag}ocfx! z`tz`x`f}! x`zy` gxgljgxxgmcz }c cpz hgpx`
Un,ai jggh XnxIo} of gf c }k` c}k`z jphn`}x!u`aa,j`ofe fgja`x cp }c t`zczljc}k t`zxcfgaa gfm tzc`xxocfgaag} ct}olpl a`y a
-
8/2/2019 Start Here Magazine Issue 8
11/13
:4 HTG TzcIoa`_cpz tzcjgja lcz aon HTG Xhc}} E`gfx
}kgf cp lg }kofn& Kcu3 T`zxox}`fh`&
G} bpx} 88 `gzx cam! Xhc}} kgx kgm }c
cy`zhcl fpl`zcpx cjx}gha xgfm g `u
goapz`x}c j`hcl` xphh`xxpa& Jp} }kzcpek
o} gaa! k` f`y`z egy` pt& Fcu k` cufx g HTG
zl uk`z` k` e`}x }c hgaa }k` xkc}x&
Fc} }cc jgm cz xcl`cf` ukc goa`m }k`
HTG {gl }k` zx} }ol` k` }ccn o}! zoek}3 Xc
kcu mom k` j`hcl` xc xphh`xxpa g} xphk g
cpfe ge`3 ]kox ox uk`z` }kg} }kofe hgaa`m
t`zxox}`fh` hcl`x of&
O kgy` g toh}pz` c Gjzgkgl Aofhcaf of l
ch` }kg} z`lofmx l`
}c t`zx`y`z`! Xhc}}
`{tagofx& K` kgm gfplj`z c goapz`x!
jp} k` f`y`z a`} }k`l
m``g} kol& ]kg} toh}pz`
z`lofmx l` fc} }c j`
gzgom }c goa j`hgpx`
}kg}x kcu cp xphh``m&
Uk`f Xhc}} ezgmpg}`m
koek xhkcca! k` momf}
nfcu ukg} k ugf}`m }c
x}pm cz ukg} k` ugf}`m
}c mc& Gaa k` nf`u ugx }kg} k` ugf}`m }c
tzcyom` g eccm ao` cz kolx`a gfm kox gloa&
Gx k` j`egf }gnofe hagxx`x of hcaa`e`! k`
ugx {tcx`m }c g ac} c tcxxojoao}o`x gfm
`y`f}pgaa m`hom`m cf fgfh`! ukohk a`m }c
g xkcz} hgz``z of jgfnofe& G}`z ezgmpg}ocf!
k` u`f} of}c jgfnofe& Jp} g}`z g hcpta` c
`gzx! Xhc}} ugf}`m }c eoy` kolx`a lcz`
cttcz}pfo}o`x& Xc k` m`hom`m }c ec jghn }c
xhkcca gfm gzf kox lgx}`zx of ghhcpf}ofe&Ukoa` }k`z`! cf` c kox tzc`xxczx xpee`x}`m
k` ec cz }k` HTG aoh`fx` gx u`aa&
]kg}x g ac} c x}pmofe' Jp} of }k` `fm! gaa kox
x}pmofe tgom c& @y`f }kcpek k` momf} tgxx
}k` HTG {gl }k` zx} }ol`! k` ec} zom c kox
hcam ``}& Gfm }k` f`{} }ol` k` }ccn o}!
k` tgxx`m&
O ugx xc moxhcpzge`m }k` zx} }ol` O }ccn
}k HTG `{gl j`hgpx O ugx cf tcof} gug
zcl tgxxofe& Cf` tcof}! Xhc}} z`l`lj`zx&
Jp} O ugx fhcpzge`m j`hgpx` O `a} O hcpam
mc o}& O ugx m`}`zlof`m fc} }c a`} o} j`g} l`&
]k`z`x }kg} t`zxox}`fh` gegof&
Fcu Xhc}} cufx kox cuf zl! ukohk ox bpx}
uk`z` k` aon`x j`ofe& Fc} cfa mc`x k` e`}
}c k`at c}k`z t`cta` fgyoeg}` }k`oz p}pz`
xcl`}kofe k` ox }zpa tgxxocfg}` gjcp}
jp} k` gaxc x`}x }k` x}gfmgzmx! c`zx
i`{ojoao} cz kox `ltac `x gfm `fhcpzge`x
g gloa,zo`fma g}lcxtk`z &
O uczn }c tzc}`h} l x}g& ]ol`aof`x gz`
x`}& U` mcf} uczn cf Xpfmgx gfm u`
x}ohn }c }kg}! k` xgx& Xcl`}ol`x }kg}
l`gfx xgofe fc! gfm Ol cng uo}k }kg}& O
x`} }k` `{t`h}g}ocfx&
Gfm ga}kcpek o}x g xlgaa jpxof`xx! }k`z` gz`
ta`f} c cttcz}pfo}o`x& Xhc}} hclta`}`m
kox zx} }g{ x`gxcf! ukohk k` hgaax
mgpf}ofe! jp} hkganx o} pt gx g xphh`xx&
Fcu k`x cf }c }k`
f`{} cttcz}pfo} gfm
}kzcpek f`}ucznofe! o}xcpfmx aon` g
eccm cf`&
Ukoa` g} g gx} ccm
z`x}gpzgf} z`h`f}a!
k` xgu g lgf mz`xx`m
of FIA hac}kofe gfm
x}gz}`m }ganofe }c kol&
]pzfx cp} k` ugx gf
FIA choga ukc gaxc
kgm kox cuf fgfhoga
gmyoxofe jpxof`xx& ]kg} hcfy`zxg}ocf a`gm
}c g jpxof`xx moff`z uk`z` g} }k` `fm!
Xhc}} ugx gxn`m o k` kgm gf of}`z`x} of
x`zyofe tzc`xxocfga g}ka`} x gfm o xc k`
ucpam j` uoaaofe }c k`at }k` zl ec of
}kg} moz`h}ocf&
Gaa }kox j`hgpx` O xgu kol g} g gx} ccm
z`x}gpzgf} of FIA gttgz`a cf` mg gfm
x}zphn pt g hcfy`zxg}ocf! Xhc}} xgx&F`{} }c cpz cuf t`zxcfga kgzm uczn!
f`}ucznofe gfm xolta }ganofe }c t`cta` ox
g n` ofez`mo`f} }c xphh`xx&
Xc gx cp x}gz} hkgz}ofe cpz p}pz`! Xhc}}
xpee`x}x cp x}g kplja`! uczn kgzm gfm
mcf} j` gzgom }c goa j`hgpx` o cpy`
f`y`z goa`m! cpaa f`y`z xphh``m&
J` t`zxox}`f}'
T`zxox}`fh`ox
`y`z}kofeXhc}} E`gfx! HTG! Lgfgeofe L`lj`z
Fyx`ugfm`z! E`gfx ) X}phny! AAH
Mcf} j`gizgom }c igoa&]kg}x kcucp xphh``m&
Xhc}} E`gfxFx`ugfm`z! E`gfx) X}phn! AAH
-
8/2/2019 Start Here Magazine Issue 8
12/13
:: GXN G HTG
g} }k m ci hk ucznm! uk} mc cp ttzh}lc} jcp} cpz tzcic3 o }pz! mc cp ia }ktzyzh m kzm uczn tm cii3
O gttz`hog}` }k` gh} }kg} l ghhcpf}ofe m`ez`` gfm HTG aoh`fx` kgx a`m l`mcuf lgf {ho}ofe hgz``z tg}kx& J`hgpx` ghhcpf}ofe ox }k` agfepge` c jpxof`xx!}k`z` gz` xc lgf cttcz}pfo}o`x gygoagja`& Ghhcpf}gf}x gz` }zpx}`m gfm `{t`h}`mgmyoxczx& Gfm _@X& ]k` kgzm uczn gfm t`zx`y`zgfh` kgx tgom c'
B`ffo`z Bckfxcf! HTG +Gxxchog}` Moz`h}cz! Ezgmpg}` Ghhcpf}ofe Tzcezgl!
]k` Pfoy`zxo} c ]`{gx g} Mgaagx/
Ukg} O lcx} gttz`hog}` gjcp}}k` tzc`xxocf ox o} gczm
x l`}k` cttcz}pfo} }c
`fhcpzge`! lc}oyg} ! m`y`act gfmofxtoz` `y`z of}`zfga#{}`zfgax}gn`kcam`z }kg}O
of}`zgh} uo}k `ghk mg& Gx}k` ifgfhoga eg}`n``t`z cz lgf z`eocfga tzcb`h}x g} l
hcltgf! O }gn` tzom` of nfcuofe }kg} g}}k` `fmc`ghkmg }k` tzcb`h} lgfge`zx
O xpttcz} jz`g}k` `gx nfcuofe }kg} Ogl cf }k`oz }`gl& Xc uk`f gxn`m o l
t`zx`y`zgfh` gfm kgzm uczn kgxtgom cgaa O hgfxolta xgox Gjxcap}`a'
] {aof Wpoff`y! HTG +Tzcb`h} Xpttcz} Tzci`xxocfga! @zohxxcf Ofh&/
]k` cf` }kofe }kg} O gttz`hog}`}k` lcx} gjcp} }k` HTGtzci`xxocf ox }k`fplj`zci cttcz}pfo}o`x }kg} o} giiczmx l`& Xc igz of l hgz``z! O kgy` j``f tz`x`f}`m uo}kg fplj`z ci cttcz}pfo}o`x gfm O nfcu }kg} o} uoaa f`y`z x}ct gx acfegxO gl of }k`tzci`xxocf& Gaa }k` cttcz}pfo}o`x mchcl` uo}k g hcx}! jp} O j`ao`y` }k` gz`u`aaucz}ko} j`hgpx`}k` eoy`l` ghkgfh` }c hkgaa`fe`lx`ai gfm}cug}hk lx`aiezcu gx l hgz``z tzcez`xx`x&
X}`tkgfo` Mpff! HTG+]g{ Lgfge`z! Tzoh`ug}`zkcpx`Hcct`zx AAT/
G}`zgac}cx`a,z`i`h}ocfgfm ez`g} l`f}czofe!O z`gaor`m }kg}}k` tz
ch`xxc
a`gzfofegfmlgx}`zofef`uxnoaaxugxgfmhcf}ofp`x }c
j` lmzoyofe czh`& G
hgz``zof tpjaohghhcpf}ofeeoy`xl` }k`tgh`chkgf
e` gfm hcf}ofpcpxa`gzfofe
cttcz}pfo}o`x}kg}O f``m}cxphh``m& Ofm lcx} xphh`
xxpaghhcpf}ofe tzc`xxocfgax
}kzoy`cf }k`of}gfeoja`j`f`}xc}k` x`zyoh` u`aam
cf`& Ofgacfe}`zl hgz``zof
tpjaoh ghhcpf}ofe!O j`ao`y`o}oxfc}gjcp}}k` kcpzx!
``x cz hclt`fxg}ocf!jp}}k`
`{ho}`l`f} cghhcltaoxkofe xcl`}kofe }kg}hkgaa`fe`
x cp&
E`zgzmcEcmof`r!HTG+Gxxpzgfh`X`foczLgfge`z!Lc
xxGmglx!AAT/
Okgy`}k`cttcz}pfo}}ck`atxcl`cf``y`zmg& Okgy`g xnoaax`}}kg}hgfgxxox}jpxof`xxa`gm`zxofxcayofemoihpa}tzcja`lx}kg}}k`hgffc}lgfge` cf}k`ozcuf&X``ofe}k`ozxphh`xxjzofexez`g} xg}oxgh}ocf&]k`z`xfcj`}}`z `aofe}kgfnfcuofeOk`at`moltzcy`gfcp}hcl` ja`y`zgeofelxnoaaxofga`gm`zxkotzca`&O}xlcz`}kgfbpx}fplj`zx> o}x t`cta`x aoy`x& Ok`atxgy` t`cta`xbcjxgfm}k`ozgjoao}}chcf}ofp`tzcyomofecz}k`ozgloao`xjk`atofejpxof`xx`x}cx}g hclt`}o}oy` gfmtzci}gja`&Mgfo`a Ezoi}kx! HTG+Tzofhotga! TzcihocX`zyoh`xEzcpt!AAH/
]k` uczam f``mx HTGx`y`f lcz` }kgf o}f``mx Bpx}of Jo`j`z&
J`ao`j o}& Uo}k }k` gjoao} }c jpoam jpxof`xx`x! gmyox`
a`gm`zx! xcay` tzcja`lx gfm `{tcx` yoamc`zx! HTGx gz` bpx}
tagof kgfm }c kgy` gzcpfm& Of igh}! }k` Jpz`gp ci Agjcz
X}g}ox}ohx tz`moh}x bcjx of }k` tzci`xxocf }c ezcu :: t`zh`f}
j :47;& Ugf} }c lgn` xpz` cpz` z`gm }c xtzofe of}c
gh}ocf3 U`z` k`z` }c k`at&
X}ct j]koxUg]cHTG&hcl }c
x}gz} xcgnofe pt }k` ofxoek}&
http://thiswaytocpa.com/http://thiswaytocpa.com/ -
8/2/2019 Start Here Magazine Issue 8
13/13
Gl`zohgf
Ofx}
o}p
}`c
iHTGx
::4A`
oekIgzl
Zcg
m
Mpzkgl!
FH:5545,;774
K`g
m`
m}c
hc
aa`e`
3
Hk`h
ncp
}]koxU
gy
]cHTG
&hcl
http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/http://thiswaytocpa.com/