Tuesday, May 17, 2022

 

 Raj Dhawan, CPA, MBA

4617 Niland Street, Union City, CA  94587     C: 415.608.0350

 RajDhawan@comcast.net   www.LinkedIn.com/in/RajDhawan

www.RajDhawanCPA.BlogSpot.com   www.Twitter.com/RajDhawan   www.FaceBook.com/Raj.Dhawan

Residency Status: US Citizen

CFO / CONTROLLER NetSuite Platform

SUMMARY

Over ten years of progressive experience in Accounting and Fintech. Proven ability to deliver increased productivity through efficient fiscal management. Experienced Controller in NetSuite ERP, automating various areas of NetSuite to scale for growth, using Intacct for Government funding of programs.

 

KEYWORD HIGHLIGHTS

Financial Statements      Board of Directors      Internal Controls      Month End Close     Compliance

Public Accounting   Health-Care   Non-Profit      Regulatory Reporting    Advanced Excel with Pivot Tables

Big 4 CPA Firms       SEC Reporting      Budgets & Forecasting      Intacct Accounting      NetSuite Essentials

Auditor & Business Taxes      GAAP, SEC & SOX      Governmental Programs      CRM, ERP & E-Commerce

PROFESSIONAL EXPERIENCE / ACCOMPLISHMENTS

American Wholesale Lighting, San Francisco Bay Area                Nov 2021 – Present

               Controller

·        Oversee the operations of the accounting department

·        Ensure that accounts payable are paid in a timely manner and accounts receivable are collected promptly

·        Implement Bank Feeds, and ensure that bank reconciliations are completed

·        Issue timely and complete financial statements

·        Oversee payroll for the company, use & evaluate Zenefits, Rippling, TriNet and Insperity

·        Manage the production of the annual budget and forecasts

·        Implement Tax Jar in NetSuite, calculate and file Sales Taxes for all 50 States in the US

·        Manage the NetSuite ERP Platform, automate and scale business operations

Oakland Public Education Fund, Oakland, CA                                   Jan 2021 – Oct 2021

               Chief Financial Officer

• Developing financial systems for tracking various revenue-producing assets

• Continue trusting relationships with various grant/donor relations

• Guide the organization in their annual budgeting process

• Collaborating with various internal departments to understand their budgeting needs

• Leading the auditing and compliance process by working with outside agencies

• Oversee all aspects of accounting for the organization

Recruit, train, develop, supervise, and evaluate finance/accounting department staff

• Use Sage Intacct, Paylocity, Salesforce, Slack, Sheets, MacBooks, and Cloud technologies to manage resources as a Fiscal Sponsor for schools, entities, and several types of businesses

Deloitte Consulting, San Francisco, CA                                      April 2018 – Dec 2020

               Senior Consultant, NetSuite/Digital Platforms

·        NetSuite Setup and navigation. Item setup, inventory management, Sales and Purchase Order   Processing, Data Management, Reports and Searches, Dashboards, Managing the platform

·        Training on NetSuite Fundamentals, Suite Foundation, ERP Consultant Certification

·        Active participation in various Deloitte Initiatives, Recruitment and Volunteer Programs

Adobe Systems, San Jose, CA                                                       Feb 2018 – Mar 2018

               Senior Analyst, SEC Reporting (Contract)

·        Working on the company's quarterly filings with the SEC for the 10-Q Report

·        Using WDesk to prepare the management workbook and the notes to the financial statements

·        Researching Accounting pronouncements by the FASB

·        Researching and applying the Tax Cuts and Jobs Act of 2017

Cognizant Technology Solutions, San Francisco, CA                  Apr 2017 – Oct 2017

               Senior Functional Consultant

·        Working with Clorox on a NetSuite ERP Implementation for a Business Acquisition

·        Evaluating Business Requirements, communicating on Design and Development, assisting with Systems Implementation Testing in the NetSuite Platform

·        Detailing the procedures for Testing various Functional Areas of the Business Enterprise

·        Order to Cash, Procure to Pay, Record to Report, end-to-end, procedures and testing

NetSuite ERP Consulting, Bay Area, CA                                     Feb 2012 – Mar 2017

Financial Consultant to Small Business Owners, Start-Ups

·        Initiated and implemented Cloud Based Accounting for fast-growing Start-Ups and Tech companies’

·        Created the necessary mapping and data transfer tools for migrating from a LAN to the Cloud

·        Technical Accounting, Complex journal entries for 10Q Filings, XBRL Tagging, ASC 605/606 Revenue Recognition, ASC 71X Compensation, FASB Codifications, and research

·        Evaluated client’s needs at various stages of the business cycle – from Lead Generation, CRM, ERP, E-Commerce, Website, Inventory Management, to Financial Statements

CONSULTING CLIENTS INCLUDED – IDG Ventures, Tagged, Apttus, AppDynamics, McGladrey, FMT Consultants, Gilead Sciences, Megatel Wireless, A1Logic (Cybersecurity)

 

Security Finance, Financial Services, San Francisco, CA           Aug 2006 – Jan 2012

Controller

·        Implemented a monthly close of books in 3-7 days after month-end, generating Financials

·        Full Accounting responsibility, keeping the General Ledger, AR, AP modules updated

·        Managed a portfolio of over $15 million in loans to businesses

·        Automated a decades-old accounting system, and brought it into QuickBooks

Smith-Craine Finance, Mortgage Brokers, San Francisco, CA      Mar 2004 – Jul 2006

Loan Consultant

·        Arranged for 90% SBA Commercial Loans in the $1 – 2 million range

·        Coordinated with Realtors to arrange Purchase Money and Refinance loans to Borrowers

Piper Jaffray, Investment Bank, San Francisco, CA                   Feb 2003 – Feb 2004

Financial Advisor

·        Invested over $7 million in liquid assets for high-net-worth clients

·        Allocated assets into Growth, Income, and Conservation Strategies for Client Investments        

California Pacific Medical Ctr, Hospital, San Francisco, CA     Apr 2001 – Dec 2002

Director of Finance & Property Management

·        Supervised all aspects of property management when the situation required

·        Evaluated financial performance of 12 non-core Cost Centers, resulting in $500K annual savings

·        Implemented comprehensive Billings for over 300 doctor tenants, using Yardi Software

The Perinatal Council, Non-Profit Agency, Oakland, CA          Jul 1996 – Mar 2001

Controller

·        Monitored Fund Accounting for 15 Federal and State Agencies

·        Managed funds tightly for this Non-Profit, used projections and always stayed within Budget

·        Hired and supervised Accounting Staff of 5 persons for AP, AR, GL, Payroll and Office Manager

·        Pursued an evening MBA Program at Golden Gate University while working here Full Time

 

 

LICENSES / SKILLS  

Licenses: California CPA License #69432 (Current, Inactive), Series 7 & Series 66 (Inactive), Life Insurance (Inactive), Real Estate Agent (Inactive), NetSuite Essentials, SuiteAnalytics Reports & Saved Searches

Computer Skills: Yardi, MAS 90, Great Plains, MS Dynamics, ADP, QuickBooks, CYMA, NetSuite, Excel, Pivot Tables, VLOOKUP, Formulas and Functions, Charts, Graphics, SkyDrive, Taxes, LaCerte, TurboTax

 

 

EDUCATION

1.      Golden Gate University, San Francisco, CA

Master’s Degree in Finance

Relevant Coursework: Mergers and Acquisitions, Venture Capital and Entrepreneurship, Fundamental and Technical Analysis, Financial Markets, Corporate Finance, Intermediate Accounting, Investing

2.      The University of Texas, San Antonio, TX

Bachelor’s Degree in Accounting

 

 

Thursday, August 19, 2021

 

Raj Dhawan, CPA, MBA

4617 Niland Street, Union City, CA  94540     C: 415.608.0350

 RajDhawan@comcast.net   www.LinkedIn.com/in/RajDhawan

www.RajDhawanCPA.BlogSpot.com   www.Twitter.com/RajDhawan   www.FaceBook.com/Raj.Dhawan

Residency Status: US Citizen

CONTROLLER / CHIEF FINANCIAL OFFICER

SUMMARY

Over ten years of progressive experience in Accounting and Finance. Proven ability to deliver increased productivity through efficient financial management. Experienced Controller for Non-Profits, managing Government funding for multiple programs, monitoring budgets and working with a Board of Directors.

 

KEYWORD HIGHLIGHTS

Financial Statements      Board of Directors      Internal Controls      Month End Close     Compliance

Public Accounting   Health-Care   Non-Profit      Regulatory Reporting    Advanced Excel with Pivot Tables

Big 4 CPA Firms       SEC Reporting      Budgets & Forecasting      Intacct Accounting      NetSuite Essentials

Auditor & Business Taxes      GAAP, SEC & SOX      Governmental Programs      CRM, ERP & E-Commerce

PROFESSIONAL EXPERIENCE / ACCOMPLISHMENTS

Oakland Public Education Fund, Oakland, CA                      January 2021 – present

               Chief Financial Officer

• Developing financial systems for tracking various revenue producing assets

• Continue trusting relationships with various grant/donor relations

• Guide the organization in their annual budgeting process

• Collaborating with various internal departments to understand their budgeting needs

• Leading the auditing and compliance process by working with outside agencies

• Oversee all aspects of accounting for the organization

Recruit, train, develop, supervise and evaluate finance/accounting department staff

• Use Intacct, Salesforce, Slack, Sheets, MacBooks, Cloud technologies to manage resources as a Fiscal Sponsor for schools, entities and various types of businesses

Deloitte Consulting, San Francisco, CA                                      April 2018 – Dec 2020

               Senior Consultant, NetSuite/Digital Platforms

·        NetSuite Setup and navigation. Item setup, inventory management, Sales and Purchase Order   processing, Data Management, Reports and Searches, Dashboards, Managing the platform

·        Training on NetSuite Fundamentals, Suite Foundation, ERP Consultant Certification

·        Active participation in various Deloitte Initiatives, Recruitment and Volunteer Programs

Adobe Systems, San Jose, CA                                                        Feb 2018 – Mar 2018

               Senior Analyst, SEC Reporting (Contract)

·        Working on the company quarterly filings with the SEC for the 10-Q Report

·        Using WDesk to prepare the management workbook and the notes to the financial statements

·        Researching Accounting pronouncements by the FASB

·        Researching and applying the Tax Cuts and Jobs Act of 2017

Cognizant Technology Solutions, San Francisco, CA                  Apr 2017 – Oct 2017

               Senior Functional Consultant

·        Working with Clorox on a NetSuite ERP Implementation for a Business Acquisition

·        Evaluating Business Requirements, communicating on Design and Development, assisting with Systems Implementation Testing in the NetSuite Platform

·        Detailing the procedures for Testing various Functional Areas of the Business Enterprise

·        Order to Cash, Procure to Pay, Record to Report, end-to-end, procedures and testing

NetSuite ERP Consulting, Bay Area, CA                                      Feb 2012 – Mar 2017

Financial Consultant to Small Business Owners, Start Ups

·        Initiated and implemented Cloud Based Accounting for fast growing Start Ups and Tech Co.’s

·        Created the necessary mapping and data transfer tools for migrating from a LAN to the Cloud

·        Technical Accounting, Complex journal entries for 10Q Filings, XBRL Tagging, ASC 605/606 Revenue Recognition, ASC 71X Compensation, FASB Codifications and research

·        Evaluated client’s needs at various stages of the business cycle – from Lead Generation, CRM, ERP, E-Commerce, Website, Inventory Management, to Financial Statements

CONSULTING CLIENTS INCLUDED – IDG Ventures, Tagged, Apttus, AppDynamics, McGladrey, FMT Consultants, Gilead Sciences, Megatel Wireless, A1Logic (Cybersecurity)

 

Security Finance, Financial Services, San Francisco, CA            Aug 2006 – Jan 2012

Controller

·        Implemented a monthly close of books in 3-7 days after month-end, generating Financials

·        Full Accounting responsibility, keeping the General Ledger, AR, AP modules updated

·        Managed a portfolio of over $15 million in loans to businesses

·        Automated a decades old Accounting system, and brought it into QuickBooks

Smith-Craine Finance, Mortgage Brokers, San Francisco, CA  Mar 2004 – Jul 2006

Loan Consultant

·        Arranged for 90% SBA Commercial Loans in the $1 – 2 million range

·        Coordinated with Realtors to arrange Purchase Money and Refinance loans to Borrowers

Piper Jaffray, Investment Bank, San Francisco, CA                   Feb 2003 – Feb 2004

Financial Advisor

·        Invested over $7 million in liquid assets for high net worth clients

·        Allocated assets into Growth, Income and Conservation Strategies for Client Investments        

California Pacific Medical Center, Hospital, San Francisc, CA  Apr 2001 – Dec 2002

Director of Finance & Property Management

·        Supervised all aspects of property management when situation required

·        Evaluated financial performance of 12 non-core Cost Centers, resulting in $500K annual savings

·        Implemented comprehensive Billings for over 300 doctor tenants, using Yardi Software

The Perinatal Council, Non-Profit Agency, Oakland, CA           Jul 1996 – Mar 2001

Controller

·        Monitored Fund Accounting for 15 Federal and State Agencies

·        Managed funds tightly for this Non-Profit, used projections and always stayed within Budget

·        Hired and supervised Accounting Staff of 5 persons for AP, AR, GL, Payroll and Office Manager

·        Pursued an evening MBA Program at Golden Gate University while working here Full Time

 

 

LICENSES / SKILLS  

Licenses: California CPA License #69432 (Current, Inactive), Series 7 & Series 66 (Inactive), Life Insurance (Inactive), Real Estate Agent (Inactive), NetSuite Essentials, SuiteAnalytics Reports & Saved Searches

Computer Skills: Yardi, MAS 90, Great Plains, MS Dynamics, ADP, QuickBooks, CYMA, NetSuite, Excel, Pivot Tables, VLOOKUP, Formulas and Functions, Charts, Graphics, SkyDrive, Taxes, LaCerte, TurboTax

 

 

EDUCATION

1.      Golden Gate University, San Francisco, CA

Master’s Degree in Finance

Relevant Coursework: Mergers and Acquisitions, Venture Capital and Entrepreneurship, Fundamental and Technical Analysis, Financial Markets, Corporate Finance, Intermediate Accounting, Investing

2.      The University of Texas, San Antonio, TX

Bachelor’s Degree in Accounting

 

 

Thursday, April 18, 2013

Helping businesses move their Accounting/Financial Management to the Cloud. Map It. Transfer It. Access It !!!

Raj Dhawan, CPA, MBA, Controller
1755 O’Farrell Street #PH-1B       San Francisco, CA  94115     Ph: 415.931.0750     C: 415.608.0350
Residency Status: US Citizen

SENIOR ACCOUNTANT / CONTROLLER POSITION
With comprehensive experience in
FINANCIAL STATEMENTS      INVESTMENT BANKING      INTERNAL CONTROLS      MONTH-END CLOSE
PUBLIC ACCOUNTING HEALTH-CARE   NON-PROFIT      REGULATORY REPORTING    ADVANCED EXCEL/PIVOT TABLES CASH MANAGEMENT      BUDGETS & FORECASTING     COST ACCOUNTING    BUSINESS & INCOME TAX  AUDITOR/AUDITS         GAAP/OMB-133/SOX      CLOUD ACCOUNTING      CRM/ERP/E-COMMERCE

PROFESSIONAL EXPERIENCE / ACCOMPLISHMENTS
NetSuite / Blackbaud /Cloud Accounting / Start-Ups                                                                        Feb 2012 – Present
P/T Consultant to CFOs, Controllers
Consulting with Start-Ups, Small & Medium Sized Businesses on Accounting and Financial Needs; Generating Financial Statements; Cloud Accounting with CRM, ERP and the entire business cycle
Security Finance, Financial Services, San Francisco, CA                                                                Aug 2006 – Jan 2012
Controller
Managed the Monthly Close process, compiled Financial Statements, Budget vs. Actual Variance analysis, Regulatory filings, Income Tax returns, coordinated Annual Audit process, compliance with GAAP, minimum supervision, Technical Accounting, Account Reconciliations, resolve discrepancies, Collections and Accounts Receivable, Cash Flow Statement, Internal Controls, manage Risks and prioritize, advanced Excel skills, strong written and verbal Communication skills, Journal Entries, Management Reports, Cash Management, oversee Line of Credit
·         Managed a portfolio of over $15 million in loans to businesses
·         Automated a decades old Accounting system, and brought it into QuickBooks
·         Effective Communicator, GAAP, GAAS, Research, Financial Software System skills
Smith-Craine Finance, Mortgage Brokers, San Francisco, CA                                                      Mar 2004 – Jul 2006
Loan Consultant
Contacting Realtors, Independent Borrowers, Brokers in order to process Purchase Money and Refinance Loans
·         Arranged for 90% SBA Commercial Loans in the $1 – 2 million range
Piper Jaffray, Investment Bank, San Francisco, CA                                                                         Feb 2003 – Feb 2004
Financial Advisor
Working with high net-worth clients, allocating assets for Conservation, Income and Growth Strategies, Cross-Functional Teams, working Independently, Customer Service
·         Invested over $7 million in liquid assets for high net worth clients          
California Pacific Medical Center, Hospital, San Francisco, CA                                                     Apr 2001 – Dec 2002
Director of Finance & Property Management
Evaluating financial performance of 12 non-core Profit and Cost Centers at the various hospital locations, managing all aspects of billing and invoicing for 300+ doctors working at the hospital and leasing space
·         Took charge of all aspects of property management when situation required
The Perinatal Council, Non-Profit Agency, Oakland, CA                                                               Jul 1996 – Mar 2001
Controller
Overseeing all aspects of Accounting functions for this $5 – 10 million Non-Profit Agency, supervising 5 – 7 employees, invoicing Federal and State Governments for grant money
·         Worked initially as a Consultant at this Agency, saving it from being shut down
·         Fund Accounting, GASB, Financial Management, supervision, investments, payroll
·         Managed funds tightly for this Non-Profit, used projections and always stayed within Budget
Bank of America, Global Headquarters, Concord, CA                                                                   Apr 1995 – Jun 1996
Senior Analyst
Preparing Regulatory Reports and Financial Statements for 15 Foreign Branches, working in small teams of CPAs in transferring over an acquired Bank’s assets and liabilities. Dealing with Regulatory, GAAP Accounting and other Liquidity Issues, especially as they related to branches under our jurisdiction
·         Thorough analysis of Bank Balance Sheet and Income Statements for profitability and liquidity
·         Demonstrated ability to analyze highly complicated matters and provide working solutions
·         Team Lead, as well as Team Member, on various Bank projects
Jeanpierre & Company, CPAs, San Francisco, CA                                                                          Feb 1991 – Mar 1995
Senior Accountant
Audits, Reviews, Compilations for Small to Mid-Sized Businesses. Joint-Venture audit with Deloitte & Touche for 2 straight years on the City and County of San Francisco. Servicing clients from the Manufacturing and Service Industries. Employing Cost Accounting and ZBB Analysis for clients based on 3 measures of performance: Effectiveness, Efficiency, Workload. Assisting clients with Tax Filings for Business Income, Sales, Payroll Tax, and Estimated Tax Payments.

LICENSES / SKILLS / CERTIFICATIONS
Licenses: California CPA License #69432, Series 7, 66, Life Insurance, R/E Agent
Computer Skills: Yardi, MAS 90, Great Plains, ADP Payroll, QuickBooks, CYMA Accounting, Windows, Mac
Certifications: Certified Speaker at SierraSpeakers Toastmasters, Financial District, San Francisco

EDUCATION
1.       University of California, Berkeley, CA
Certificate Program in Entrepreneurship and Small Business Management
Relevant Coursework: Introduction to Entrepreneurship / Opportunity Recognition, Marketing Strategies for Entrepreneurs and Small Business Owners, Managing a Small Business Venture: Operations, Systems and Action Planning, Small Business Management
2.       Golden Gate University, San Francisco, CA
Master’s Degree in Finance
Relevant Coursework: Mergers and Acquisitions, Venture Capital and Entrepreneurship, Fundamental and Technical Analysis, Financial Markets, Corporate Finance, Intermediate Accounting, Investing, The Wyckoff Method
3.       The University of Texas, San Antonio, TX
Bachelor’s Degree in Accounting

ACTIVITIES
Member of California State Board of CPAs, YMCA, Commonwealth Club, Toastmasters
Board Member of The Perinatal Council, 2 years
Vice-President of International Student Association, The University of Texas, 2 years



Wednesday, June 13, 2012

Really folks, the time has come to begin migrating business management to the cloud. Cloud computing, or cloud-based business management software, has been around for a few years now. And small, medium-sized, and large enterprises should now all be on to the cloud as a place to both store and manage all aspects  of their business. And by all aspects I mean the entire business cycle. From tracking a sales person's lead generation, to placing an order, to receiving a payment, to shipping, to inventory management, to accounting and record keeping, etc. etc. Another way of stating this business cycle would be ERP to CRM to E-Commerce to Financials. All these various steps need to also be fully integrated, so that there is full communication and transparency of information to all parties involved.

Questions ? If you have a business, or are working in a business that is not yet being managed in the cloud, but think potentially it could be, write or call and let's explore the possibility. 

415.608.0350

Friday, December 17, 2010

Are you invested in markets other than the US ? If not, you should be...


The vast majority of people saving in their 401k and retirement portfolios are investing only in the US stock markets. To me, this is myopic, if not downright negligent. The GDP growth rates for the US, for the foreseeable future, is going to be in the 1.5% to 2.5% annual rate at best. The countries with the best GDP growth rates, which are both high and substantial enough to be meaningful, are China and India, and to a lesser extent, the European Union. Their forecasted GDP growth rates are 7% to 9.5% for atleast the next 3 decades. 

 Below is the forecasted GDP for the coming decades through 2050 -

Top 10 GDP Countries 2000-2050

This table shows the top 10 countries by GDP (Gross Domestic Product)expressed in billions of US$, for the years 2000, 2010, 2020, 2030, 2040 and 2050, listed by projected 2050 rank. 
SOURCE: Goldman Sachs 

2050 RankCountry Name2000GDP2010 GDP2020 GDP2030 GDP2040 GDP2050GDP
1 CHNChina107829987070143122643944453
* EUEuropean Union *93951296516861210752832335288
2 USAUnited States98251327116415208332722935165
3 INDIndia469929210449351236727803
4 JPNJapan417646015221581060396673
5 BRABrazil7626681333218937406074
6 RUSRussia3918471741298044675870
7 UKUnited Kingdom143718762285264932013782
8 GERGermany187522122524269731473603
9 FRAFrance131116221930226726683148
10 ITAItaly107813371553167117882061
* European Union GDP, which I calculated myself, is shown for comparison, but not ranked.

A well allocated investment portfolio would do the following -

 1. Allocate the portfolio among countries based on their share of World GDP, weighted in favor of countries with a high rate of GDP growth.

 2. Allocate funds between stocks, bonds, ETFs, mutual funds and cash. In other words, diversify based on investor's risk and return criteria.

 While the above allocation would work for both the aggressive and the defensive investor, the selection of index funds or individual stocks would differ for the two types of investors.

Investment accounts, 401K retirement accounts, etc. should be rebalanced now  to benefit from growth in the emerging markets and the EU in the coming decades. If you are not doing this yourself but would like to, I would be glad to discuss this further. Shoot me an email at RDhawan at sbcglobal dot net. Later !

Saturday, October 16, 2010

I.  WRITE OUT ON PAPER WHAT YOUR BUSINESS IS ALL ABOUT

Using the power of search, identify where the demand is in your industry. So for me, in finance and accounting, Google search tells me that the most demand is for the following search terms -
1.   Point of Sale Software (POS)
  POS QuickBooks Accounting
  Merchant accounts
  Credit card machines / processing
2.   Audit Software
  Audit checklist
  Internal Auditor
  Tax Audit
3.   Probate
  Wealth Management
  Last Will
  Financial Planner
  Retirement Planning & 401K

II.    IDENTIFY & BUILD BUYER PERSONAS


Build buyer personas by -
1. Identifying keywords that people are using to search
2. Group these keywords, and build buyer personas around these groups
3. Avail the blogging services of Techorati, Google Blog Search, etc.
4. Have a Google profile, so people reading your blogs can know you and contact you


III. CREATE A CONTENT-RICH WEBSITE

The website should be where it all comes together –
1.     Begin blogging, or writing from your perspective, on your business 
Write often in Blogger or other software, and be consistent 
Blog/write with the buyer personas in mind
Use social bookmarks Deli.cio.us and Digg
Your blog should be rich in search keywords
Links to website, landing pages, Google profile
2.     Press Room / News Releases
Optimized for searching
Have an editorial calendar
Publish simultaneously to website & release wires
3.     Google Analytics
Install it in all web pages
Learn to use and understand what it is telling you
4.     Social Networking and Social Media Sites
YouTube videos
FaceBook, Linked In, Twitter
Use social media Widgets Everywhere

IV.  LANDING PAGES, E-COMMERCE & SALES

The content-rich website should further –
1.     Have a merchant account
2.     Allow credit card processing
3.     Clearly state the pricing of products and/or services
4.     Capture emails and allow customer feedback
5.     Allow for booking appointments and contact information

 OCTOBER 16TH, 2010           
RAJ DHAWAN, CPA                                                                             RDhawan@sbcglobal.net