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Posted by on Dec 11, 2017 in Finance | 0 comments

Signs it’s time to change your accountant

Signs it’s time to change your accountant

Most business owners hire one accountant or accounting firm when they start the company and then use their services for years, even decades, but this isn’t the best idea. Sure, there might be cases where the standard doesn’t drop, but, most of the times, many businesses that use the same accounting services for such a long period discover that their bookkeeping is no longer effective or that they’re paying too much in taxes. To avoid financial complications, you should know how to spot the signs of below par accounting services and, if necessary, replace your current service provider with a better one. Here are the issues you should watch out for:

Your accountant has problems adapting to your new legal structure

When your business changes, your accountant should be able to keep up. If you’ve changed the legal structure and your bookkeeping has been chaotic since then, maybe the accountant is not familiar with your particular structure. Some firms specialize in a particular type or size of businesses and they’re not familiar with your current needs and requirements. In this case, waiting for them to adapt to the new structure is a risk that’s not worth taking. Not only will this lead to a disorganized schedule, but they might make mistakes that cost you money. To avoid that, resort to a large and experienced company such as http://www.accountantsfullertonca.com that can handle any type of business.

Your accountant is not saving you money

An accountant’s main job is to help you do your taxes and sort out your financial responsibilities, but they should also advise you how to spend your money so as to save as much as possible. If your accountant doesn’t get involved in financial management, find someone who is able to provide you with a more personal approach. They should be able to tell you how to get tax deductions and how to avoid overspending. Even if it is your money and you will have the final say, you still need professional accounting advice.

Unexpected taxes

One of the best times to check how right your accountant is for you is at the end of the fiscal year. If you think you are doing fine until then but then your accountant drops in and tell you that you have a huge payment ahead of you, then it’s time for a change. A professional accountant should always be straightforward about your taxes and let you know about major changes three months ahead of time, so that you have time to adjust.

You don’t communicate well

Last, but not least, the relationship between business owners and accountants should be based on transparency and communication. If your accountant has too many clients and they never have the time to answer your questions, or they’re too busy to pick up the phone outside your regular meetings, find someone who can dedicate you more of their time.

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Posted by on Dec 2, 2017 in Finance | 0 comments

Are outsourced accounting services the better alternative?

Are outsourced accounting services the better alternative?

 

Because every business requires accounting support, one of the most importance choices that need to be made in this department is whether to hire an in-house accountant or to outsource this type of service. While an in-house option might seem to come with its own benefits, the outscored alternative provides far more advantages. If you are currently trying to decide if this is the right answer for your needs, regarding the following information could help you reach a reliable conclusion. So here are a few reasons why outsourcing accounting services is beneficial:

Cost efficiency

The first and probably strongest reason why the outsource alternative stands out in particular is the cost efficiency linked to it. In comparison with having an in house accountant, who requires a monthly salary, with outsourced services, you have the chance to pay for exactly what you need and nothing more. Hiring an employee, regardless it’s part-time or full-time, demands besides wage, other benefits such as trainings or leaves, which also require money. By resorting to an accounting firm, such as http://www.durhamcpas.com, the amount of money you will be saving in the long run is certainly not one you can neglect.

Time saving

Hiring an accountant or a team of accountants for a permanent job position in your company requires a lot of time. A thorough screening process will be needed, followed by training, the creation of contracts and several other necessary steps. With the outsourced alternative, you will get rid of the hassle, and you will receive the accounting services you require in a timely manner. Considering how important time is in the business world, anything that can help in this department is worth thinking about. And, if you analyze the topic thoroughly, you will come to the conclusion that outsourcing this type of service is extremely more convenient as well.

Minimized risks

Last but not least, something that makes this alternative even more appealing is minimizing risks. You probably know by now that there are penalties and other risks involved, when you make tax or other forms of accounting mistakes. Because when you are hiring outsourced accountants, you can check their reputation, experience, longevity in the industry, qualification and so on, you can be 100 percent certain that the service received is of high quality, so worrying about potential losses or risk will no longer be needed. At an accounting firm you will always receive better support than the one offered by in-house personnel.

These are the factors that make outsourcing accounting services such a great choice for businesses. If you were wondering whether to hire an in-house account or to go with this alternative instead, now you have all the information you need to make the best decision. From cost efficiency, to improved time allocations, the outsourced alternative comes with a wide range of perks, which are certainly worth your consideration. However, if you do decide on this possibility, make sure to research the market and select an experienced and reputable firm that offers excellent services.

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Posted by on Sep 4, 2017 in Finance | 0 comments

When and how to apply for a tax rebate

When and how to apply for a tax rebate

 

Every adult pays taxes and is familiar with this procedure. Generally, your employer takes care of this aspect and deducts the tax directly from your pay. We know that the Government uses the money for important purposes including health, defense, education, road and railways, which means that we can consider it an “investment” beneficial for our needs as citizens of a country. The amount of money every person must pay depends on certain factors like the financial status, which includes your income, your savings and the properties you own. If you neglect your duty and you do not pay your taxes on time, you will receive penalties meaning that more money will add and you will find it more difficult to escape this vicious process. If you want to prevent this type of situation, you must pay attention at the due date. In case you are not able to pay the bill in time, you have the possibility to file a return as soon as you get the chance. These are basic information that everyone must acquire but did you know that you could claim a tax rebate?

Are you eligible for a tax rebate?

Before you proceed and apply for a tax rebate, you have to discover if you are a good candidate. You must inform yourself and pay attention to various important conditions. First, you have to calculate your income and the taxes you paid in the last year because the result will help you establish if you can make a claim. Secondly, you have to take into account several aspects that make you eligible, such as if you are a student that works at the same time in order to support himself, if you work part time or if your earnings are very low. These are fundamental reasons that give you the right to apply for a tax rebate.

When can you apply for a tax rebate?

After you found out what makes you eligible for a tax rebate, you probably wonder when you can take action. It is your right to have your taxes reduces when you find yourself in the following situations: if you recently became unemployed, if your job requires using part of your income for equipment or fuel, if you receive your income from another country or if you are on sick leave without payment. As soon as you experience one of the situations mentioned, you can immediately decide if you wish to apply for a tax rebate.

How to apply for a tax rebate

If you want to apply for a tax rebate, you need information about what happens next meaning the process and the steps involved.  As an unemployed person, you have the possibility to apply immediately or after several weeks, depending on certain factors. For instance, if you beneficiate from another way to support yourself during the unemployment, you can apply for a tax rebate after eight weeks. As a result, you will receive a cheque or if you are on sick leave, you will receive the money as soon as you return to work.

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Posted by on Aug 11, 2017 in Finance | 0 comments

Lessor’s risk only insurance – a short guide

Lessor’s risk only insurance – a short guide

Insurance represents quite a problem for each and every one that is interested in getting one and the reason is simple: there are many implications and details you should know about before purchasing a specific insurance service. Of course, there is a large variety of insurance services that you can opt out for, depending on your exact needs. For instance, lessor’s risk only insurance is used for buildings that are specifically built for leasing retail, warehouse services, offices or personal space for the use of a business. This type of insurance can come in handy when it comes to liability. Having your building assured against lawsuits in case of a lessee sustains your property from behind. Here are some characteristics of this kind of insurance:

 

Liabilities

You may not know what exactly a liability means. It can be described very easily by saying that s lessee’s property loss will raise a liability to another certain person regarding several kinds of issue they may have encountered. For example, damaging and destruction of the respective property, acts of vandalism or even theft are taken into consideration. Where you own a building that has any of the aforementioned purpose, insurance is extremely relevant, protecting you against claims for injuries. There are more sensible matters covered by the same type of insurance that are strictly related to nature calamities and problems such as pollution, earthquakes and so on.

Boundaries

There are limits that this type of insurance definitely has. You will be needed to choose a specific amount of money that will represent the coverage limit. This is the amount of money the insurance company will be able to pay for a onetime loss. If the coverage limit is eventually exceeded, the difference will be paid by you (you are using the insurance system so you will be forced to pay all the differences in budget that you’ll encounter). Usually, the limit for coverage is one million dollars as this way you will make sure no money will be paid extra.

Policies

Each and every insurance company has a unique policy that you’ll need to know about as a client. This type of insurance usually doesn’t work directly to people, but agents and brokers who are specialised in this field. Purchasing a lessor’s risk only insurance is not complicated exactly because brokers take care of it for you. Specialists are handling this with care and there’s no room for mistakes. Read carefully the policy of the insurance company you are choosing.

What to consider

You should know that for this type of insurance you need to lease out the respective building. Some policies may have their own way of dealing with covering buildings (either one single building, either multiple buildings). The most common type of lessor’s risk only insurance usually happens in a single location, for a single building. You will also need to make sure all your papers are in order and every employee or customer is listed in your documents.

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Posted by on Jun 16, 2017 in Finance | 0 comments

Most popular misconceptions people have on money transfer services

Most popular misconceptions people have on money transfer services

 

We live in a world of speed, where everything needs to happen fast and effortlessly. Searching for information, talking with other people across the globe or sending money overseas, all of them need to happen at high speed. Due to the numerous methods of money transfer services available, you can send money to another country in a matter of minutes only. But first, it is recommended you check transfer rates on reliable websites such as sendthatcash.com. Below you will find the most popular myths that exist on money transfer services.

It’s a waste of time to compare costs and transfer rates

When it comes to sending money overseas, many people rush into choosing the first money transfer service they have in handy, without even doing some research to see whether or not that method is advantageous to them. The Internet brought many changes to people’s lives and most of them were for the better. One of the benefits the World Wide Web came with is that it provides you with countless websites where you can consult and compare the costs and rates of money transfer services available in your region and countrywide. To many people, this is nothing but a waste of time, but the truth is, if you want to transfer large sums of money for instance and you want to get the best deal possible, these sites can be of great help.

I do not have to pay anything to transfer money, regardless of the method I opt for

Many people are of the opinion that money transfer services are all completely free, when in fact this is not true. There are different methods available for money transfer services, this is for sure, but not all of them have the same terms and conditions. Some of these methods are free, while for others, you may have to pay an extra fee in order to be able to transfer money. The secret is to do detailed online research before you opt for a specific method, because this way you ensure it is the one that best matches your needs and interests.

If I don’t own a bank account, I cannot transfer money

Another false statement that many people believe it is true is that they are allowed to transfer money on the condition that they own a bank account. This is the most common excuse those who do not actually want to transfer money overseas make. Reliable and professional providers of money transfer services have a large micro-financing base. This means that they allow customers to perform even mobile money transfers, without having to worry about owning a bank account.

All things considered, these are some of the most common misconceptions related to money transfer services you too should stop believing. Do not forget that if you want to benefit from the best results when transferring money overseas, it is best you check reliable websites in order to compare the costs of these services and to pick the one that suits you best.

 

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Posted by on May 16, 2017 in Finance | 0 comments

What to look for when hiring a business accountant

What to look for when hiring a business accountant

Outsourcing accounting operations is far from being a difficult decision. By outsourcing your accounting function, you have more time for your precious company and you don’t have to pay a full-time employee. You reap benefits, but you have to make sure that the person you are working with can help you every step of the way. No matter if you need assistance or advice, it is advisable to search thoroughly in Oslo. What you need is the best candidate. So, what should you look for when hiring a business accountant? You will see that searching for a bookkeeper is not as simple as people think it is. Many aspects are taken into account. This is what to look for before you commit.

 

Certification

You shouldn’t hire just about anyone, but Regnskapsfører Oslo who is credible from a professional standpoint. Simply put, look for an accountant that has certification. The last thing you should do is hire someone who isn’t competent. A poor bookkeeper will destroy your fiscal health. So, instead of making money, your business will lose money. Ensure that the accountant you hire has undergone full training and they are certified by the Norsk RegnskapsStiftelse (Norwegian Accounting Standards Board). Don’t believe everything you hear. The best thing to do is ask the candidate a copy of their certification.

Industry experience

Since the accountant engages in business decisions, it is important for them to have industry awareness. It is not enough to be specialized in Regnskap Oslo. When keeping financial records, it is necessary to have a good understanding of the organization as well as the industry in which it activates. If the professional has no experience with your industry, they will not be able to help you make good decisions. Most accounting agencies offer niche service, so finding a match shouldn’t be a problem. If you will outsource your accounting function, outsource it to a Regnskapsbyrå Oslo that is informed about your industry.

Willingness to offer assistance

The entire reason why you are outsourcing accounting is that you don’t have skills in this area. Yet, this doesn’t mean that you don’t have to k now what is going on. You will want to understand how the process takes place and how your financial situation is being handled. But if the bookkeeper doesn’t have the willingness to explain things to you, you won’t learn anything. Interview until you find someone who is willing to explain the taxes and the law and who doesn’t speak jargon. After all, you are looking for a partner.

Commitment

Of course, you need to be sure that the professional you are hiring will be dedicated to your business. You are looking to grow and you can’t climb up the career ladder without constant support.  As stated previously, you need a sort of partner, not an adviser. Don’t rush things. Take as much time as you need to find a committed bookkeeper. You are making an investment for your business and the investment has to give you an edge.

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