I love my mom. But she's not always the smartest when it comes to making financial decisions. Case in point: just last week, and without telling me, she leased a new Honda Civic. I wish I had known she was going to do this because if I did I would have strongly advised her otherwise.

It was just only a few years ago that when a client asked me to recommend them a cloud-based accounting application I had few options to offer. And now, seemingly out of the blue, there are many. Many good ones.

Struggling with the whole social media thing? Don't know a tweet from a twit? Can't decide if your company should have a Facebook page? Trying to understand the value of Linked-in? I know a guy who's figured it all out. His name is Bill. "I'm a social media God," he told me recently.