Read the fine print.
Nobody reads the account agreement until something goes wrong, and by then the deadline in it may have already passed. An hour now is cheaper.
The busiest month is the easiest one to fool.
December brings more bills to pay and fewer people at their desks to check them. The schemes that turn up this time of year are counting on exactly that.
Before you close the year.
November is when small problems in the books are cheapest to find. Here is the year-end list I’d want every owner to work through before the holidays take over December.