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Reasons Why your Company Needs a Bookkeeper

Written on September 18, 2011 – 5:07 pm | by admin

Bookkeeping is the process of keeping your company’s financial records. Everything from you purchases, cash and check transactions and sales must be documented by a bookkeeper. In short, it is everything that a person who hates math could ever imagine. For business owners, bookkeepers play a very important role because they efficiently manage your financial record in a systematic manner. No matter how small or big your business may be a bookkeeper can help you keep everything piled neatly in a book. It is very important that all your books are in proper order and are always updated. Sometimes lender and investors needs to see your financial record and you need to accurately have these in file before granting your loan.

Another important role of a bookkeeper is to balance the books to derive proper taxing. All businesses need an accurate computation of income, in order for you to know the proper amount you need to pay the IRS. Bad documentation can lead to fines and penalties but most often than not it results to overpayment of taxes.

It is the bookkeeper’s job and responsibility to show the company owner where their businesses stand and how much the company needs in order to expand. The Read more…

Tags: Bookkeeper

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How to Not Feel Ill When in Debt

Written on August 26, 2011 – 4:36 am | by Alicia Ross

People have this preconceived notion that money is totally about our human reasoning. Usually however, we are most likely to invest a large amount of our individual sentiments into our monetary account ledgers as well.

Debt whether we are aware of it or not, whether we admit it or not, is an emotional matter. Comparably, it could be like a high-intensity earthquake that can extremely shake up one’s life, but this is an inevitable repercussion of debt. Have you ever tried to pause for a while and ponder upon how much impact a mounting stack of money issues can have on you?

If you think that emotional problems can only be a root cause of your debt crisis, then see further down the road of debt. Emotional dilemmas can also become a devastating aftermath as much as it can be the trigger. Conclusively, it seems that debt is so hard to get rid of when you wallow in self-pity and let restlessness consume you totally. Furthermore, this is also why those who are already working their way out of debt or even those already done with or free from debt still catch themselves lured right back in somehow.

Too much emotional trauma caused by due dates, demand letters and minute by minute phone calls from say the banks, will just make you feel ill. O

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Santander’s cashback credit card gives up to 3% cashback

Written on August 25, 2011 – 7:55 pm | by Adam Gomez

Santander is to launch a new credit card that gives monthly cashback of up to 3 per cent depending on what you buy with your plastic.

While rival cards will offer higher rates, the ’123′ card gives 1 per cent cashback on your supermarket spend, 2 per cent when you use it in a department store and 3 per cent if used on the petrol forecourt.

However, it also levies a 24 annual fee. To recoup this charge you would typically need to spend 200 per month in supermarkets, or 100 per month in department stores, or 66 per month on petrol.

However, cashback for petrol is limited to only 9 per month (a 300 spend) but unlimited for the other types of shopping.

As with all reward cards, you must also pay off the entire balance in full every month, otherwise high interest charges of 18.9 per cent will quickly eat away at the benefits.

Hardly any credit cards charge an annual fixed fee to be used; only 11 out of 232 cards impose an annual fee of any kind, according to Moneyfacts.

Rival Capital One World Master-Card offers a greater cashback rate 5 per cent for the first three months but this drops to 0.5 per cent on spending of up to 5,999 a year, 1 per cent on 6,000 to 9,999 and 1.25 per cent on over 10,000.

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Tags: Cashback, Credit Card

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How To Maximize Airline Rewards by Transferring Points

Written on August 25, 2011 – 7:50 pm | by Alicia Ross

From time to time, different airlines will offer specials, such as discounted fares or rewards points bonuses for booking a flight. This is one of the best times to make use of your rewards points. Unfortunately, you can’t always take advantage of this when your credit card company’s rewards program doesn’t have a partnership with that airline. Then you’re stuck between using your rewards points to buy a higher priced plane ticket, or using cash to buy the discounted airline ticket and saving your points for later. That doesn’t have to be true, though.

With American Express rewards, you don’t always have to choose. Even if the airline that you prefer or that is offering a special promotion isn’t one of American Express’s go-to airlines, there are still quite a few loyalty programs you can transfer your points to, many of them on a point for point basis so you don’t lose any of your rewards points. The loyalty programs you can transfer to varies by card, so not all cardmembers will be able to take advantage of certain deals, but there is a lot of flexibility with this rewards program.

Point Value

Delta SkyMiles is one of the loyalty programs where you can get 1 point for 1 Membership Rewards point. Points can only b

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Tags: Points, Transferring Points

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Anti-Steering Settlement for Visa and MasterCard

Written on August 24, 2011 – 8:10 pm | by Nicole Gutierrez

Until just recently, retailers were forbidden from rewarding their customers based on the customer’s choice of payment. Retailers could not suggest a less costly alternative or post a sign stating their preferred form of payment. In short, merchants were restrained from fostering competition among credit card networks at the point of sale. But a recent settlement by U.S. District Court Judge Nicholas Garaufis (Brooklyn, NY) between the Justice Department and MasterCard and Visa has changed all that.

The suit was filed against the two companies (and American Express) by the Justice Department and Attorney Generals from seventeen states on the grounds that they were attempting to avoid competition by making it difficult for merchants to promote the use of competing credit cards. The lawsuit also alleged that the credit card companies were prohibiting merchants from steering consumers toward lower cost payment options.

The settlement requires the nation’s two largest credit card processing networks to allow retailers to offer discounts or rebates to customers who use an alternate form of payment, including other credit cards with lower merchant fees. And

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FAQs on Remortgages

Written on August 17, 2011 – 5:43 pm | by admin

Getting a remortgage can be a simple process; however, you need to make sure that even if it is simple, you would still be taking your time in carefully reviewing the available options so that you can end up with a new mortgage that you would be able to put you in a better financial situation than where you are now. Here are some of the most commonly asked questions about remortgaging and their answers which you might want to go through to help you get started.

How does remortgaging work?

In remortgaging, a borrower basically takes out a mortgage loan from a lending institution in order to pay off an existing mortgage loan (and possibly other loans) that he or she has with another lending institution.

Can I remortgage if I have bad credit?

Remortgaging can be done by homeowners who have either good credit or bad credit, as a lot of lenders have realized the need for adverse credit remortgages. This means even if you have a poor credit score, you could still find a remortgage package that would suit your needs. Keep in mind, however, that the rate your remortgage loan would come with may be a bit higher than what is offered for regular remortgage loans. Read more…

Tags: remortgage broker

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