Plans for 2016? No time to start like the present…

November 23rd, 2015 No comments

Look for Michele Zimmerman teaching

Acalanes Adult Education @Del Valle Education Center

1963 Tice Valley Blvd, Walnut Creek 925-280-3980-

Starting Up Your Business: Wed 7-9PM- 5 wks – starting Feb 3rd

Residential Real Estate: Do It Right! Th 7-9PM-5 wks –starting Feb 4th

and at Castro Valley Adult Ed:

Accounting I- starting January 9th- Saturdays 10-3:30PM 5 weeks 25 hours

Quick Book Introductory Class-

starting February 27th- Saturday 10-3:30PM 5 weeks 25 hours

where: 4430 Alma Ave, Castro valley, CA 94546

ph 510-886-1000 or

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I’m Teaching accounting!!

August 20th, 2015 No comments

Starting Sept 26th I am teaching Beginning Accounting at Castro Valley Technical Ed-, Course0601400, $175. + cost of text. This will get you started on a career as an accountant! 5 Saturdays from 9:30AM to 3PM my excitement is contagious. Start your career here: 510 886-1000

Free! I am teaching in Redwood City & San Francisco

May 4th, 2015 No comments

On May 8th in Redwood City and on June 9th in San Francisco I am teaching, for the IRS, a 7 hour Federal & State Payroll taxes Seminar.
This is sponsored by EDD, the California state Payroll Agency.
Friday May 8th- 455 County Center, Redwood City, 9AM- 3PM
Tuesday, June 9th, San Francisco @ the SBDC, 455 Market Street, 6th Floor.
There is no charge.
the link for reservations:

RUN Real Estate?

December 4th, 2014 No comments

Whether you own one small rental house or multi unit apartment buildings, this content will appeal to you. I am teaching 1st Q 2015 at three schools: Acalanes in walnut Creek, Concord park & Rec in Concord and Castro valley Adult School in Castro valley. If you want to become a smarter investor or business owner, give yourself the gift of knowledge. As the kids say “here are the deets”:

Concord Parks & Recs

Willow Pass community Center 2748 E Olivera Road, Concord, Ca 94521, fax 925-689-8169, mail 1950 Parkside Dr MS/11

Concord, CA 94519; in person Willow pass community Center 2748 E Olivera Road, Concord- M-F 10-12, 1-3PM and Centre Concord 5298 Clayton Rd, Concord same hours.


Rental Real Estate: Do It Right! Pt 2-IRR2 Sat jan 17th 12:30-2:30PM- Feb 14th 5 sessions

Rental Real Estate: Do It Right! Pt 1-IRR1 Jan 17th 10-noon Feb 14th 5 sessions

SUYB- Starting Up Your Business

Session one: Tu 7-9PM jan 13th-Feb 10th

Session Two: April 14th- may 12th

At Acalanes: Del Valle Education Center

www.acalanes/ 1963 Tice Blvd, Walnut Creek, Ca 94595

925-280-3980 ext 8001

Rental Real Estate: Do It Right! Pt 1 1 Wed 2/25 7-9 ends 3-25

Rental Real Estate: Do It Right! Pt 2 Th 2/26 7- 9 ends 3/26


At Castro Valley Adult Ed 4430 Alma Av, CV 94546, 510-866-1000

March 7th- April 4th Business Success Series

10-12 Rental Real Estate: Do It Right! Pt 1

12:30-2:30 Rental Real Estate: Do It Right! Pt 2

Apres Ferguson- Did Michael Brown Deserve To Die?

November 25th, 2014 No comments

I am reading about and watching TV and blogs, Twitter about what is going on in Ferguson, Missouri. The fact that a black child was shot by a Policeman in the middle of the Country SHOULD be of no interest to ME. I am an old white woman.

What Is of interest to me is the increasing racial divide in this Country, the distrust of government, and the inability of our politicians to stir public sentiment in a positive direction.

What are the bad things that are happening?

A child was shot who was unarmed

The Grand Jury returned a polarizing verdict

The private businesses in Ferguson are suffering from uninsured losses (RIOT), who had nothing to do with the death of that unfortunate your man,

The Caucasians believe the Grand Jury findings, and

The African Americans do not believe the Grand Jury findings; and

Basically public trust in our institutions is continuing to erode.

I see trust in the government decreasing, the US becoming an Oligarchy ( that means the rich people rule, which no one could deny), and chaos on the horizon in my lifetime. To this mix add Global Warming, which will bring a fight over resources (water, mostly) and higher ground (from the rising water), and an unemployment rate that our overeducated-useless-corrupt Economists refuse to acknowledge ( because they have jobs, THEY refuse to measure the long term unemployed).

What is going to happen? Poor people will feel more and more disenfranchised (thank you Republicans), and may decide that a government that only benefits the rich must go. We, the United States of America, become a armed state where the rich have their toys and their ocean side views, and the poor and black (or brown, or Islander, or unemployed whites) are kept in their shettls and never


Benefitted by the government their taxes support

The beneficiaries of justice.

What can our politicians do? Since the Republicans now control both the House & the Senate- we can expect nothing to come from Congress. Obama is in power until January 2017. I expect it to be Romney versus Hilary Clinton- a clueless rich Mormon (of which I know a lot and can speak with authority) versus a corrupt tool of the Democratic Machine (she married her only child to a hedge fund trader, what does that tell you?). I think Clinton will win the Election, but do nothing to help the poor and disenfranchised. She will help her campaign donors and multinational corporations- but not do anything to decrease racism or class inequality.

What would I do?

Have juries reflect at least 50% the ethnicity of the Defendant (Jury was 3/12 minority)

Have police forces reflect the ethnicity of their local populations

Have a campaign to teach children: no toy guns and do not resist arrest OR THEY WILL SHOOT YOU     from the black community, not from white Liberals.

Replace the media attention from Bill Cosby’s peccadilloes to role models to which children should             aspire, not thugs and hip hop artists who carry guns like they are wallets

Have a basic standard living wage (22.00 and hour) on which humans can live

Have the Treasury Department distribute to each person over 18 years of age $22,000 tax free, and give         them Food Stamps without being tortured by vindictive underpaid social services employees ( of        which I have 1st hand experience!);

Give all those which wish to attend College Grants, which do not have to be repaid, as long as they maintain a B average. College Graduate tend to riot less, BTW.

Take away the 501C3 status of private universities, like Harvard, Yale, Stanford and align the     compensation of the Staff with the Chancellors and Regents. When their student ethnicity reflects    that of society in general their status can be restored.

Is that enough to start with?

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Breach of Contract or Bimbo?

June 18th, 2014 No comments

I have managed businesses for over 32 years. I am a tax accountant and a due diligence analyst, and have written business curriculum and taught for over 11 years. I know what employers and business owners should do to stay in business, attract & retain customers. I, like other individuals am a consumer of business and personal products. I, like everyone else, and happy when I find a good, reliable business/service provider. And am unset when things go awry. This is the story of a small business who “kicked things into the weeds”. Teaching business theory involves understanding contract law. I was a due diligence analyst and performance of contracts; and non-performance was a consideration in determining tort liability. It is a consideration when Vendors do not live up to a contract. What are the elements of a contract? Whether it is verbal or written all contracts have the following elements in common: They are mutually beneficial: parties trade money for goods/services Money or consideration is exchanged for performance They are taken by people who are able and can knowingly consent They can be rescinded or broken for non-performance They must be written if they take longer than a year to complete or      exceed $500. in value. Oh, and once agreed to, they are binding. And if one party wishes to change the contract, upon negotiation and mutual agreement the old one is cancelled, and a new one created. If in the contract for non-performance penalties or a required notification period may apply. So, back to my quandary or problem. I am an old woman who exercises so I do not fall apart. I do an hour of cardio daily, but I also have a Pilates Reformer and like to use it. I decided to find a reformer teacher so I could use my home machine safely. I needed to sharpen my skills so I did not injure myself. I saw an online ad for a local pilates studio- “5 lessons for $50″. Cool: I called mentioned the ad and said, “May I pay in cash, I want to do the Living Social Offer?”. I got a call back, paid them in cash. Very happy customer. After the 5 lessons, I waited until all the other clients and said “I am a poor accountant, and can’t afford $38. a lesson.” She said, “Well, OK”. I offered 20 a Lesson, or $200 for 10. She said, “No, that won’t do.”I said “How about $22. each or $220. in cash for ten Lessons? I will pay you in cash, and will pay you at the 10th lesson, in an envelope”. She said “Yes, that works for me.” What you just read was a verbal contract. What follows is a breach of contract and my being upset and blogging about this. So, time goes on, and I have paid for five sequential series of ten lessons for $220. in cash. The money was taken, nothing said. Nothing. So. Yesterday was the 10th lesson. I put 2 100 dollar bills and a twenty in an envelope, labeled it with my name. I arrive at the Studio, the owner is there, I hand her the envelope. She says, “Oh, didn’t (insert Assistant #1’s name) tell you it should be $300?” By that time, she has the envelope with the $220 in it. Now she has changed the contract- with no prior notice. And the rate is now $30 a lesson- or $300- not $220. I kinda do the math and figure that is at least a 27-30% increase. An increase a cannot afford. Here is the Math: 30 minus 22= 8 8 divided by 22=36.6 percent increase. I am in shock, because nothing has been said before about any rate increase; not by her, or the Assistant. Then, the kicker- she says “Yeah, your rate was introductory only, for the 1st series of 10, and you have owed the $300 for the last 2 Series” (why not five?; but obviously math or accounting is not this woman’s strong suit. I am starting to figure; let’s see 300-220= 80; 2 series at 80 = 160. She is saying I owe her $160. Plus $300; or $460? At this point other customers come in and I am in shock. What you just read is a retroactive rate increase. It ignores the previous verbal contract en entirety. And she has my $220. All I want to do is get through the Lesson and get out of there. Instead of a relaxing excise session  I am flummoxed and annoyed. How the heck am I going to get another $240 (460-220)for this woman? Shall I just show up for all ten, and wait to be hectored into paying for something to WHICH I DID NOT AGREE.

Because, dear reader, contracts give certainty. A verbal agreement is binding until BOTH parties agree to another. Charging retroactively for services without notice is a breach of contract, and might be construed as fraud. What happened? She got my $220; I figured that each work out cost me (a rate increase to which I did not agree, BTW) $30; she said I owed her $160. One sixty plus thirty is one ninety; she has two-twenty of my cash and the net net is I am out one lesson (at her new rate).

What will I do? I will call her and tell her I am not coming back. I will not bother arguing with someone who will not honor their word, i.e., a contract- I just will never go back. Or recommend her.

Now, where is that Social Media application when you need it? (Twitter, FB, LinkedIn, Yelp, Patch). Oh, and the Better Business Bureau and the Chamber of Commerce?

U Do not want to miss this if U R a sm Biz Owner!!

August 29th, 2013 No comments

You won’t want to miss the best small business class. Going for 5 weeks, Wednesdays from 7-9PM,Starting Up Your Business,will be at Acalanes Adult Center. You will be entertained while learning the pitfalls of managing a small business. Michele has been managing small businesses in the East Bay for 32 years and her hands-on knowledge, and friendly style will make this the best $9.00 an hour you ever spent.
Where: 1963 Tice Valley Blvd WC 94595
When: Wed nights, 7-9PM starting Sept 11th for 5 weeks
Why: to save time, trouble and money if you are a small business owner
How: call 925 280-3980 ext 8001
How much: $90, $81 for Seniors
What: Class No: 26-6020 WATCH HER UTUBE VIDEO!

Watch My UTUBE VIDEO and come to the Classes! 9-29!!

August 26th, 2012 No comments

please consider if you are in the East bay attending my classes starting September 29th @ Castro valley Adult School. less than $9 an hour for either Starting Up Your Business and /OR Real Estate: do it Right! about Residential Real Estate

I am Teaching starting September 29th!!

August 21st, 2012 No comments

I am teaching 2 courses:
Starting up Your Business & Introduction to Rental Real Estate
Where:Castro Valley Adult School; 4430 Alma Avenue, Castro valley, CA 94546
When: Saturday mornings: Starting starts @ 9:30AM- 2 hours; ends @ 11:30. Real Estate 12:00 to 2PM September 29th
How do I sign up:
link to Starting Up Your Business:
link to Real Estate:

OR you can go to the Castro valley Adult School web site; All Courses, Career & Technical Education; the Starting class is 0603200;Real Estate is 0602800
Length: 5 weeks
Why you should do this: I have >32 years of small business, tax, due diligence experience and these courses will save you time, money & grief

Very tasteless Jokes

February 8th, 2012 No comments

I received these today from a dear friend and had to pass them on. If you are offended, my aoplogies. I just thought some levity was in order.

How do they serve alcoholic drinks on Italian cruise ships? On the rocks

What vegetables do you get with dinner on Italian cruise ships? Leek

What’s the fastest way to get off an Italian cruise ship? – Follow the captain

When the captain of the Costa Concordia was asked if he knew where he was going he replied “off course.”

What’s the difference between the Italian economy and the stricken cruise liner Costa Concordia? Nothing the bottoms dropped out of both.

end of tasteless levity. have a powerful day, and Speak Truth To Power.

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