Rabu, 01 Mei 2013

Attributes of a Successful Selling Strategy

The first attribute of a successful selling strategy is a website that provides information about the products and the service they are providing. The advantage of that is we can sell those products and services online. Selling is a talent to be cultivated. It requires a lot of understanding to find what the customer is looking for and then fulfilling his needs.

It is very important to get the complete attention of reader. The content of the message should be make reader think. This can be achieved by using power words, along with color and visuals. Once the attention is grabbed, it should be retained till the end of the message. The customer should be prompted to take some action and their involvement should be sought. They can be made to sign up for newsletters or can be made to take the survey by visiting the company's website.

The consumer should be convinced to buy the product. All the features of the company should be specified, with the more relevant ones on the top. They should be explained logically through these points how the products will fulfill their needs or solve their problems.  It does only by convincing the customer about this will motivate them to buy the product. They should be made to understand what wonders the product can do to him. Strong emotional words should be included in the sentence. The customer should either fear the loss of the product if he doesn't buy it in time or he should be given the greed of the advantages the product can provide. These reasons will create an emotional impulse and will make them think that they have no other option to buy it. They will have a logical reason to make the purchase. The emotions of the buyer should be manipulated with words.

Something like 'limited edition' or 'limited period offer' will create a sense of urgency. The customer thinks that he should get this product somehow. It's nice to have sales often, especially to clear out old inventory in the name of some offer. The products which have an obvious damage should be sold out at a special price. But the damage should be mentioned to the customer. If it's not mentioned, the first time the customer will be tricked into buying something, but he will loose trust and won't come back again.

Always hold seasonal sales and offers. Since all the competitors will be giving out different offers to attract customers, it's a good point to have one, too. But it should be remembered to not to imitate anyone. Only a unique offer will make the customers not go to the competitors'. Once in a while offer free shipping offer also works. A condition like if a customer spends particular amount of money, all items will be shipped for free. This is another attractive deal which will surely tempt the customer. Thanks to search engines and online stores anything can be purchased from the comfort of the home. Give away free sample to the customers or keep a pre-sale price for introductory products. The customers won't think twice to spend a little money to try something new.  

The ending of the sales message is where most people mess it up. The whole efforts will be wasted if the customer gets a second thought. He should be convinced, by nice words, to buy the product till the very end. The content should be arranged with care. The key is to tell the customer what to do exactly after he finishes reading the matter, like 'Grab the golden opportunity now' or 'pick up the phone and dial the number right now', etc. Do not include links or short advertisement of other products or services. This will shift the focus of the reader and he might have a second thought. A list of the existing customers should be maintained and from time to time special offers should be mailed to them. So basically the whole idea is to influence the mind of the customer until he buys a product.    

Creating a Corporate Image

For any corporation it is very important to create a distinct image in the market. This is known as Corporate Image which distinguishes the corporation from its competitors and provides a picture of it to the general public. It depicts the principles, beliefs, productivity of the company. This image is responsible for increasing the sales of the product and to achieve brand equity. Corporate image creation is a strenuous and time consuming process and is carried out by experts qualifying in perception management. Basically, the creation involves marketing experts who used various kinds of promotion methods and public relations. Since this image is targeted to attract the customers it should be highly appealing. Besides the marketing experts critics play an important role too.

The name of the corporation and its catch line should reflect its belief like Wal-Mart, which says that it sells for less. A logo should also be designed accordingly. Like the corporation FedEx has an arrow incorporated in its logo which depicts its fast and efficient service. Once the image is created by the corporation the next step is advertising and product distribution in the market. Like if the corporation creates luxury products, they should rope in big names in the advertising experts and the models to be featured in these ads should be super stars. Likewise, they should not distribute their products to every other store; instead they should target more hi-fi malls. Time to time, advertising and branding budget should be reviewed to cut down on cost and to be in-sync with the technology. This also helps in revamping the corporate image according to the fast changing demands of the consumer. 

Testimonies of news papers, magazines, and labor union can deteriorate a well-created corporate image. Simplest of controversies can be exaggerated by the media and spoil the name of the company. Controversies are born by the interference of organizations related to environment, religion, crime, politics, education and charity. Government, too, is another powerful and influential organization by itself.

Once the corporate image is created, it should be retained. It should not be like here today and gone tomorrow. This image should be reflected in all the brands and product line of the corporation. Even if one of the products isn't up to the mark, it will lead to confusion among the consumers and will hit the sales of the company. Like recently there was controversy about a particular contact lens solution of a company. It was supposed to be infecting the users with a rare disease. This not only affected the sales revenue of that particular product but also made the customers think and raise question about the authenticity of other products of that particular company.

Another company's products had hidden non-vegetarian ingredient in a vegetarian product. This led to the decrease of trust among the customers. In such a case the company should either advertise itself as a company selling non-vegetarian food or it should invest in promoting the company as vegetarian by introducing more vegetarian products. So the image of each individual product of the company makes up for the complete image of the corporation. And last but not the least, the image should be very realistic, truly representing its values and should leave a personal touch with the consumers.

Selasa, 30 April 2013

Differences between Marketing and Advertising

Marketing and Advertising, although they sound similar but in reality they are not. Advertising is only a part of the bigger game called Marketing. Marketing encompasses complete conceptualization of a brand right from research to designing to advertising to sale. Advertising, on the other hand is a component of the marketing process which is nothing but conveying the message through variety of mediums to promote the product.

Advertising is one of the most important component of a marketing strategy and also the most expensive. Advertising constitutes sending the message across the public about your company, product or services. It also constitutes behind the scenes work like the process involving formation of various strategies and coming up with a right one to target the viewers. The strategy consists of planning things like placing ads, deciding what media to use, what time, frequency etc. The advertisements are generally placed via mediums like television, snail mail, newspapers, internet, emails, radio, magazines, mobile messaging, flyers, billboards etc. The most popular one is of course television although advertising on internet is becoming increasingly popular too.

Easiest way to differentiate advertising from marketing is to consider marketing as a cake and if you cut the cake, advertising as one of the pieces of that cake. The other pieces of cake are market research of the product, product designing, media planning, PR, product pricing, customer satisfaction, customer support, sales and many more. All these components or pieces of cake should work independently but collectively in achieving the bigger goal i.e. sell product and build company's reputation in the market. Marketing is a marathon process involving many tasks that involve hours sometimes days of research. The research part of marketing takes the longest duration as it involves thoroughly understanding the behavior of people towards a product. Designing the product and developing advertising strategy is also a time consuming process. Only components that take less time are executing advertisements and sales. Marketing can also be perceived as a medium between consumers and the company.

But many companies often make mistake of confusing advertising with marketing. They try to ape big companies like Coke and Pepsi in advertising but they simply ignore the work that goes behind that. The classical example of this is, take the case of logo for instance. Many business owners are so hysterical about the logo of their company in their advertisements that they think that it will simply bring in the sales. But what makes a logo works is none other than the reputation of the company and the logo must have a feeling to it and should truly reflect company's values. One should also remember that these companies spend fortunes on advertising which a new start up business can't. Rather than spending unnecessary money on branding your product one should invest money and time in communicating to the consumers that they can address their expectations. After building reputation and growing to a big size company one can think of these lavish ideas. Educating the consumers also helps as it will give them an understanding that you know what you do and are best at doing that.

Smart marketers are aggressive in approach rather than passive. They provoke reader's minds by prompting them to do something rather than just making them knowledgeable of the product. Smart marketers also bring home the names, addresses and contact numbers of people who are really interested in hiring your company by employing aggressive marketing. Thus having a good marketing campaign speaks a lot about the company and their products and advertising gives that finishing touch to the hard work done by the marketing people in selling a product.

Doing Research on Marketing

Research on marketing is essential to understand the pattern of marketing. This is possible by searching existing knowledge related to business marketing. It is a form of business research, business-to-business marketing research and business marketing research. Marketing research is done in many forms and all these forms are known as problem-identification research.

Research in advertising is done to determine the copy testing of advertisements. It is also used to know the efficiency of ads placed in any medium, the customer attention it gets, the message it delivers and how it motivates the customers to buy the product. Commercial eye tracking is done to understand the visual behavior of the customer. Ads, websites, etc., are analyzed for this. Before an advertisement is released in the market, its performance can be forecasted with the help of copy testing which takes consumer's level of attention, motivation, brand liking, and entertainment into consideration.

When a customer buys something online he analyses it in order to make the decision, this one of the criteria on which consumer decision research is done. Interviews and surveys can be done to understand consumer's level of satisfaction, which is known as customer satisfaction studies. The demographic and psychology of the people of a particular geographical region can be studied with the help of segmentation research.

When analyzing is to be done about brand recognition, brand performance, brand preference and awareness, ad tracking is done. A favorite brand can be recognized with the help of brand equity research. Tests are conducted so as to determine what customer thinks about a brand or a product and it is specifically known as brand name testing. The demand of a product can be understood by demand estimation. After the demand of the product is taken care of, the quality should be checked from time to time. Appointing mystery shoppers who is usually an employee of the market research firm does this. He buys goods through a salesperson and notes down the whole experience. This procedure can be used to do research about rival companies' products.

Before practical application of a concept, concept testing should be done which tells whether the targeted audience will like the idea or not. Test marketing is done by introducing a product in small numbers in the market and observing the sales, after which the product is launched on a large-scale. After the initial phase, when the company thinks of increasing the price of the product, price elasticity testing should be carried out which shows customer reaction to price fluctuations. Distribution channel audits are conducted to understand the attitudes of retailers and distributors towards specific products and brands.

The more tech savvy form of marketing research is Internet strategic intelligence. The likes and dislikes of the customers can be directly known with the help of chats, blogs and forums. Online panels are a group of experts who accept the marketing research done online. 

All the researches that are carried out can be classified as primary research, which gathers original research, and secondary research, which is based on a primary research and information published by other resources. Secondary research costs less as research is done on already researched data, but the result isn't efficient.

The research designs used by marketing research are either based on questioning or are based on observations. Quantitative marketing research and qualitative marketing research are based on questioning. Quantitative marketing research is done to derive conclusions like questionnaires forms and survey. The number of respondents involved is high. Qualitative marketing research is done to understand something like in-depth interviews and projective techniques.

Marketing research based on observations is called experimental technique and ethnographic studies. Test markets and purchase laboratories are examples of experimental techniques. The quantity measured is determined by understanding the factors that are responsible for the success of a product and then one or some of the factors are changed and the result is observed.  In ethnographic studies observations are done longitudinally or done at several instances of time or cross-sectional, or done at only a particular time.

Research on marketing is similar to exit polling in politics. The market is studied from different angles, at different time, and under different circumstances.

Sabtu, 27 April 2013

Could A Career In Finance Be Just What You Are Looking For?

Careers in finance remain very lucrative and very exciting jobs in the corporate world but what exactly is needed to become a professional in this field? First, having a degree in financing or accounting remains a very valuable step in getting hired by most companies that deal with finance.

Accounting and finance careers can be jumpstarted by having a good knowledge of where exactly in financing you would like to find yourself in. You should thoroughly consider the many fields in finance wherein your particular expertise or interests may lie.

There is corporate finance, which involves working for companies and handling the financial side of their operations. A company's growth often depends on the long-term stable handling of their finances and acquisitions, steady business growth as well as in the more short-term aspects of handling the company's current available funds. As a career corporate finance professionals are responsible for making a company profitable and keeping it profitable.

You could also consider one of the many jobs in banking. Again, you have to find the right position to get into depending on what you're interested in. There are a variety of job functions ranging from a bank teller to bank manager, to working in either commercial banking or in investment banking.

If you are more of a people person, then you could find work that involves talking to people, finding out their needs and how to help them. If number crunching is more in line with your interests, then you could work in investment banking and assist firms in raising funds or creating projections regarding business mergers.

Perhaps working in real estate could be right for you. Real estate is particularly valuable because banks and other financial institutions use land as collateral. Real estate-related jobs typically entail being a good judge of the value of land and properties. This could also mean a lot of travel for you and seeing new places as well as talking to the people in those places.

Would you like to work in the area of insurance? Job functions in insurance involve helping companies and individuals maintain security and prevent losses to their properties. Security is such a valuable commodity especially for large companies. Even other areas in finance require insurance of their own. Banking, for instance has its own risks and thus banks usually require the security provided by insurance firms. This security itself can be prized as a solid commodity.

Banks, even though they might not be suffering a risk of collapse could indeed collapse if its clients construe the bank as lacking security. For individuals, the field of insurance gives a measure of security through a variety of policies like life insurance plans, fire insurance plans, as well as sets the car career finance insurance rate for the family and house insurance rates. In insurance and in the other fields of finance, you might be able to find the perfect career path for you.

With the great diversity in careers in finance available and actual new job functions being established all the time as dictated by the constantly varying needs of the clients, then surely there is a spot in this field just right for you, your talents, skills, and interests.

A College Degree Is the Starting Point of Your Finance Career

If you want a career in financing, you have to get a college degree. To be more specific, you have to graduate with a bachelor's degree in math, business, statistics or economics since you will be dealing with numbers and using these skills to make decisions and recommendations.

One study shows that there are currently 230,000 financial analysts and financial advisors in the US. You might think that there is no more vacancy in the market but there are because new businesses are established while old ones are still growing.

With a college degree, one thing you can try is financial consulting. Here, you are tasked on providing advice to business valuation, economic forecasts and analysis, treasury management, strategies for creating shareholder value and securities pricing.

Later on, you may be promoted to finance manager and instead of providing advice to clients, you will have the opportunity to invest their money in order to make a profit. Those who do well here earn somewhere around $73,000 to $145,000 annually and with the amount of money that is given, you better deliver.

Another field is corporate financing in which your job is to manage the client's assets and if the opportunity presents itself, make acquisitions.

Those who want to serve their country may issue securities, enforce the law, manage assets and offer financial advice to people.

Similar to the finance manager are the money managers because they hold stocks and bonds for clients and at the same time buy stuff off Wall Street. For this job, you need to be proficient in various technologies as well as the latest qualitative methodologies. You will also need to be CFA certified.

Working for an insurance company is also a viable option. Here, you help prepare clients deal with catastrophes before they happen. It is a trillion dollar industry that is still growing so you can still get in the game.

Among the various opportunities, many find their way to commercial banking. You could be a bank manager, teller, the one in charge of approving loans or looking for new accounts. This accounts for the majority of those employed in the financial services industry.

In any of the positions mentioned, you must be good with numbers and have excellent interpersonal skills. Why? Because you are dealing with people and if the client doesn't like your personality, chances are they will bring their business elsewhere.

After working for a few years, you can work for another company or be daring and start up your own company.

Aside from banking, the real estate industry is also looking out for finance graduates. This is because their training is useful when it comes to property management, real estate appraisal, brokerage and leasing, construction and real estate development. On one end, they sell property while on the other find ways to make it possible for the customer to invest depending on their budget.

A college degree is the starting point of your finance career because no company out there will hire someone who just graduated from secondary school or does not have the proper training when you are dealing with other people's money.

So, if you are still considering what to take up in college or lost in your current course, shift over because this is very rewarding.

Jumat, 19 April 2013

E-Commerce And Affiliate Marketing

The creation of the internet and the mass production
of computers in the late 80′s changed everyone’s
lives forever. Now, everyone has the potential to
be their own boss whether you are a stay home mom
or a manual laborer.

All you need to do is search on Google for business
opportunities and it will bring up more than you
could ever imagine. Even though you may think it’s
easy to make a living on the internet, it actually
requires a firm business plan and a lot of hard

You can run an online business with your current
job, and your potential market is a lot bigger than
the average stores.

The first thing you’ll need to decide is the type
of business that’s right for you, then research
the market. The possible business choices open to
you are:
1. Affiliate programs
2. Adsense programs
3. Selling products

Affiliate programs will pay you a commission for
selling company products. You’ll have no contact
with the customer, as all you do is provide sales
leads to the company of whom you have to be an
affiliate for.

Adsense programs are where you take an existing
website you own of a particular subject then add
contexual adverts from Google’s adsense program.
When someone clicks on an advert you’ll receive a
few cents.

The final method is selling products. You’ll build
a website with a shopping cart then give as many
details as possible about the products. When
customers buy products, you’ll receive pay based
on what you sell and how many.

When it all comes down to it, you’ll need to set
up a business and web site to get the most from
E-Commerce or affiliate marketing. It’ll take a
lot of hard work and dedication – although it’ll
prove to be well worth it.

5 Qualities For Affiliate Marketing

More and more people these days are turning to one
of the most popular businesses around – the business
of affiliate marketing. In this business, there are
no bosses, deadlines to meet, or piles of work that
have to be finished by the end of the day. In
order to succeed, you only need the necessary

There are basically five things you can’t do without
if you want to make it in the business of affiliate
marketing. Below, you’ll find each quality you’ll

1. Desire to learn
The first quality you must possess is the desire
to learn, coupled with the willingness to be
trained. Treading through unfamiliar territory
is tough indeed, especially if your lacking the
right knowledge. This is a combination of the right
frame of mind, coupled with a strong work ethic.

When starting out, you’ll need to be willing to
keep your eyes and ears open, using the experience
of others to learn more as you go.

2. Invest time and effort
The second quality you must have is the willingness
to invest time and effort in helping your business
grow, even if you don’t see immediate results. Even
though weeks may pass without hearing good news,
it’s very important for anyone who wants to get
their foot in the business world.

3. Determination
The third quality you’ll need is determination. If
you want to make it in the world of affiliate
marketing, you must possess to push yourself
forward. The ability to push yourself to greater
heights will determine what type of future you have.

4. Discipline
The fourth quality is self discipline. If you
teach yourself to work everyday with all of your
heart and soul, you’ll be that much closer to
reaching your goals and making your dreams come true.

5. Optimism
The last quality you must have is optimism. Bad
attitudes should never discourage an affiliate
marketer from pursuing their dreams in order to
make life better for themselves or anyone around

The attitude you have towards the business should
always be good, because you’ll have to realize that
you’re the captain of your ship and your the one
steering it towards destiny.

If you put the above tips to good use, you’ll go
farther than you ever thought possible in the world
of affiliate marketing. You’ll need these qualities
to succeed, as affiliate marketing can be a cutting
edge career. With the above qualities, you’ll do
just fine in the industry.

Kamis, 18 April 2013

Can I download federal or state estate taxes?

“I heard you can download my fiscal debt, is it true?” The previous question is one that often arises in our Utah bankruptcy practice. Federal and state income taxes are eligible for discharge under Chapter 7 or chapter 13 of the bankruptcy code under certain circumstances.

Chapter 7 bankruptcy is a complete download of eligible debts. Chapter 13 bankruptcy is a debt consolidation and a partial refund of dues for a period of time; then eligible debts that are downloaded are paid after completion of repayment plan. As a result, under Chapter 7 or chapter 13 can be exhausted, provided that the requirements are met for the discharge.

There are five rules that determine the dischargeability of tax liabilities:

The deadline for submission of the tax return is at least three years before the bankruptcy filing.
The tax returns was “filed” at least two years before the filing of the application for bankruptcy.
The assessment of the tax is at least 240 days (starting from the date of filing of the application).
The tax return is not fraudulent.
The taxpayer is not guilty of tax evasion.
First, the tax debt must derive from a tax return that was caused by at least three years before the filing of the bankruptcy petition. This requirement includes all extensions. So if presented to an extension, calculates the period of time from the expiration date of the extension.

Secondly, the debtor has filed a return. This requirement is met when a debtor is involved (provides information and documentation) or signs on a return, pursuant to Internal Revenue Code section 6020 (a). This requirement seemingly does not include, however, a return filed in service pursuant to Internal Revenue Code section 6020 (b) where the deposit is not made with the cooperation of the debtor and is based on information obtained from tax authorities on their own.

Thirdly, the taxing authority must assess the fee at least 240 days before submitting the petition. That’s when the tax authorities Submit that is a notice of assessment or the IRS issues a certificate of assessment.

Fourth, the tax liability is only corroded unless fraudulent return file.

Fifth, the tax liability can not be downloaded if you are guilty of intentionally trying to evade taxes.

If you are satisfied with the five requirements listed above, the fees are corroded. In some cases it may be advantageous to wait to file the bankruptcy petition until the tax liabilities are corroded. If taxes are not corroded, but the debtor can’t wait to file for bankruptcy, chapter 13 bankruptcy may provide additional benefits for managing tax debt. To evaluate a particular situation and determine the dischargeability of tax debt, you should consult with an experienced bankruptcy attorney.

Avoid excessive costs-Do Enduring Powers Of Attorney

Lose the mental capacity can be an expensive exercise if you don’t have your House in order. It can also be a stressful time for the family and loved ones already trying to deal with your often sudden loss of mental capacity.

If you have not taken the step practical durable power of Attorney is completed then no one is going to be able to make decisions about personal care and well-being and your real and personal property will be tied up until the court appoints someone to handle your business. The process is administered by the family court, which in New Zealand is a part of the Court.

Obtain court orders can be time-consuming, especially if those loved ones and families disagree regarding who should try to date. In addition, regardless of whether the job is relatively smooth or it won’t take many months and cost thousands of dollars.

To respect the interests of the person who is the subject of the court appoints the personal adviser subject is chosen from a group of lawyers with experience in these matters. That person shall be paid to the consolidated fund. Their role is to interview the person of the subject, as well as those seeking to be appointed guardian of wealth and property manager in order to satisfy the Court that appointments are in the best interest of the person object.

Over time, having obtained an audition and all interested parties are given an opportunity to be heard in court time will make orders. You can expect this will cost anything between $ 3,000 and $ 5,000. Although the appellants are technically liable for Attorney’s fees relating to the application is for an order to find which fees respecting a person’s heritage.

Probably the worst part is that the initial Court order lasts for two years and then the applicants have to do it all again at three yearly intervals, incur the same cost of each time, usually at your expense. Stops only when you regain the mental capacity that does not happen often, or when you die.

The true craziness of all this is that totally useless exercise could have been avoided if only you had the foresight to bring durable power of Attorney in place while you had the chance. The attorneys probably would have been a fraction of what the cost of the court process and would have made the choice themselves. Those who love would also have been saved a tremendous amount of stress. What makes it even worse is that there are also valid online options available for which you could have done yourself and saved even more money than a lawyer’s advice.

If you do not have enduring powers of Attorney in place do yourself a favor and do something now while you can and before it could be too late.

Utilizing the "Wired" Court Reporter

(The original of the below article was published in the Milwaukee Law Journal in 2002. Footnoted below are innovative changes to the technology and process since the original publication.)

The introduction of computers to the court reporting industry in the mid-seventies opened the door for many new reporting products and services and is ultimately creating greater capability for litigators. Computer-aided transcription (CAT), the process of having a computer convert the reporter’s stenographic notes to English, was the advent of a technology that has shaped today’s wired reporting world. Like all other industries, court reporters are now part of the fast-paced, technologically-advanced world of iPads, internet, etc. [1]

Following is a brief case scenario incorporating the many services currently available from the technology-savvy reporting firm in discovery or evidentiary depositions and at hearing or trial:

A weeklong series of fact witness depositions are commenced after discovery documents are produced by all the parties. Deposition transcripts are produced on paper in full size and condensed (up to 16 pages per physical page) along with digital PDF versions [2] that have the exhibits indexed and linked to each instance within the testimony for instant retrieval, and inASCII files, in the many formats available, for searching through the text on computer via case management or trial presentation software.[3] A week later, counsel travel to a remote location to depose a witness. So that the remote reporter can accurately transcribe in realtime (immediate live transcription of the spoken word, viewable on a computer screen), a word list containing the various unique terms from all the previous depositions in the case was earlier emailed. Several opposing counsel chose not to attend in person but instead decided to receive the realtime ASCII feed, plus the video and audio through remote videoconferencing, live on their desktop computers in their office via a standard internet connection, making personal annotations and chatting online with co-counsel, making objections as necessary via the videoconference.[4] One attorney was stranded at a remote location but still attended the deposition via her iPhone. At the deposition’s conclusion, the realtime feed, in essence a rough draft ASCII file, is stored on the attorneys’ computers for use in preparing for the next deposition (prior to the certified transcript being produced). The annotated version was emailed to staff or a colleague to draft a motion.[5] The video and audio was likewise stored online for immediate review.[6] One attorney was on a flight at the time of the depo and was viewing the realtime text feed on an iPad via the plane’s internet connection, which he was then able to annotate on the plane in preparation for the next deposition.

All along, reporter scheduling was handled by secure login to the reporting firm’s online scheduling manager, producing both electronic and paper confirmations.[7] A secure internet connection was used by counsel to view activity reports, download and view ASCII files and exhibits, and verify the deposition schedule on the reporter’s network system 24/7. There were a few last minute needs for info, deposition location, earlier deposition transcripts and exhibits, that the attorney was able to pull up on his/her iPad/iPhone using their mobile app. An exhibit that was thought to be contained in that big banker’s box went missing, but the smartphone app gave access to that exhibit and all others in the case.

A series of three expert witness depositions are now scheduled, two in New York on Monday and Tuesday, and one Wednesday in L.A. The first two days are to be produced with daily delivery and in realtime, with the expert in L.A. (Wednesday’s witness) receiving both days of testimony live via video/audio/text streaming, plus an email of the rough draft ASCIIat each day’s conclusion in order to prepare for his deposition.[8] The transcript from Tuesday requires additional delivery attention when the Wednesday witness’s email was down. The reporting firm arranged with a local business to receive, print and deliver the transcript within an hour. The L.A. trip could not be made by two of the counsel, so they received a realtime feedat their respective offices where they also viewed and participated in the deposition via remote videoconference. Remote videoconference was likewise used for the L.A. expert who needed to be deposed in his office, using a standard computer with a video cam and an internet connection.

Videotape services were requested for all three experts with picture-in-a-picture production so that the witness and the documents referenced could be viewed simultaneously. The video was later synchronized with the ASCII text file, the exhibits hyperlinked to the text as well, and stored on DVD, portions of which are to be utilized in a large-screen trial presentation for impeachment purposes.

All counsel plan to receive a realtime transcript feed and certified daily copy transcript delivery at trial so that they will have the necessary tools for witness preparation and impeachment where appropriate. The prior testimony of all witnesses and the previously scanned evidentiary documents now reside with them in court on counsels’ computers. If they discover a transcript or exhibit file is missing, it can be immediately recovered via connecting with the reporting firm’s online access. One of the attorneys requested a portable video file that was compatible with her trial presentation app for her iPad.

At the forefront of all of these technologies currently is realtime translation. As described above, this service has given attorneys tremendous assistance in immediately tracking testimony at depositions or trials of large cases, or any complex litigation, where the litigation team needs to keep stride with events as they happen (and make available to the hard of hearing).[9] When compared with the costs of overnight rush or daily copy, realtime is actually less expensive. You still have the costs associated with a final certified transcript from the reporter, but you would likewise if you had ordered a rush transcript; moreover, with realtime the rough version is already in hand when the proceeding is concluded for the day. More capability, time saving, and less expensive – well worth it!

How does realtime work? The realtime court reporter attaches their computerized stenograph machine via cable or wireless to their notebook computer containing software which translates the keystrokes from the stenograph machine against a global dictionary of words written by the reporter in her stenography theory.[10] As the reporter strikes the steno keys, the computer quickly cross-references those strokes against the reporter’s dictionary and displays matches and “untranslates” (raw steno for which there is no match) on the computer screen. The same results are exported from the reporter’s computer to software (LiveNote, Summation, CaseViewNet) on counsel’s computer for monitoring, annotating, issue coding and digesting.

A realtime feed is unedited and will most likely contain some errors. It is not suitable nor allowed to be used for citing in legal proceedings because it is not a certified transcript.

Complex, technical cases require the reporter to prepare for realtime by inserting the unique case terminology into their dictionaries so that they can produce a more accurate realtime feed. The more experienced and skilled the reporter, the more developed the dictionary, the more controlled the speakers are in the forum, and the better the realtime results.

Be certain to request a reporter whose realtime skills you are already familiar with, or when traveling, request a Certified Realtime Reporter who has been tested and certified by the National Court Reporters Association. For more information on realtime and other reporting services, contact your local court reporting agency.

[1] It took several years for court reporters and the reporting technology industry to realize the benefit of utilizing these new technologies. Today’s court reporter can barely exist without them.

[2] Linked (or hyperlinked) documents — creates a connection to an external document instantly viewable when clicked on. Now the attorney can view the transcript and view each exhibit as it is mentioned in the text.

[3] PDF documents are now the dominant, most universal file format used by computer users worldwide for viewing text and graphics, having grown to become the standard over the last 10 years.

[4] Remote videoconferencing is the rage for 2012 — the ability to utilize videoconferencing technology between portable computing devices (iPads, notebook computers, etc.) and standard videoconference equipment (Polycom, Tandberg) via the internet. Unlike Skype or Google Hangouts, reporting firms use products that are encrypted for extra security and stability.

[5] Legal video and audio of depositions can be stored in the cloud for immediate review via the internet.

[6] Products like TextMap, Summation and LiveNote export a document containing attorney work product (marks, annotations, etc.) that can be shared with team members.

[7] Tech-savvy reporting firms provide online portals to set and track deposition scheduling, download and view transcripts and exhibits, and access activity reports and calendar.

[8] Video and text streaming make it possible to attend the deposition and view the realtime text live from anywhere with an internet connection.

[9] The federal government’s ADA requirement that all network TV be closed-captioned by 2006 has caused a drain on our realtime court reporter talent pool, creating a shortage. Competition now exists between reporting firms and captioning companies for realtime writers. This shortage gave incentive to the federal government to pass legislation recently approving financial grants to reporting/captioning training programs across the country. These schools are now offering scholarships to encourage more students to enter these programs so that the closed-captioning mandates of the ADA may be realized.

[10] It is now standard practice to receive a realtime feed via Bluetooth wireless, as an alternative to a wired connection.

Robert Gramann is President and founder of Gramann Reporting, Ltd., the largest and most technologically advanced court reporting firm in the state of Wisconsin.

Selasa, 16 April 2013

A financial advisor for Private Wealth Management

Private wealth management, usually abbreviated to PWM describes the investment and financial management services offered to investors and such aspects include management of trusts, real estate, business and planning actions. Investors with large estates and business I usually a level of anonymity and most of the time that banking operations are handled with high levels of security and strict confidentiality. Most of these investors need a dedicated account manager and financial advisor who will guide you in different aspects of managing their wealth. Many financial and investment institutions offer these types of services and to find the best type, the investor should ensure that controls a variety of things to choose the most effective financial advisor.

From financial advisor help the investor achieve their objectives, it is important that investors check their background information like this will help them determine their capacity as financial adviser. This is very important because the investor is putting its financial problems in the hands of these Councillors and therefore need those that are reliable. Inspect their background, it is also essential that the investor requires references to contact previous or current customers, to discuss the experiences from the consultant. This will also allow you to only those individuals who offer the same Advice to all their customers, since all the different investors with different needs.

Is also very important to make sure that financial advisers are certified. Those who have a certification are known to have a high standard of professionalism, because they follow a code of ethics, as well as the correct standard consultancy established by the certification body. In addition, to consider even the years in practice, most years the Director has better services would be because they have the knowledge and skills that encompass all areas of asset management.

Several financial advisers to Private wealth management have several real estate investments and investors should find on these before taking one. The investment philosophy should reflect the needs and plans of investors and should be all right through-in good or bad times. The investor should ask the consultant for examples of portfolio that is similar to their situation, to understand their strategies and programs before making their decision.

The more important thing for investors to do is understand how investors are compensated. Financial advisers can be paid as a Commission-based fee based on fee only or a combination of the three. Reliable financial advisor give you adequate and clear details of all types of taxes that an investor must pay, as well as all expenses relating to any type of investments they make. It is recommended that investors look for people who are oriented toward independence, because they will be willing to give them a piece of advice and services based on the investor’s objectives.

Hire professionals, corporate tax saving

Corporation tax can be defined to a layman as the tax paid by the company on its taxable income. Every company is bound by law to pay this fee. All companies must complete the return form on the revenue of the Agency with all the supporting documents to validate tax preparation. For smaller companies to fill out form is known as CT600. While maintaining their daily accounting is imperative for the company to keep the record in such an order that can be filled a definite tax return for the company.

No matter what the law says is obviously not appreciated by any company simply pay out large amounts as corporation tax. So what is the solution in these cases? This is where a professional firm enters the picture. Professional accounting firms offer services to prepare your tax preparation and guarantee “legally” pay significantly lower amounts as corporation tax. There may be cases of overcharging, charging or you may end up filling the form incorrectly. The simplest solution to all these problems is to let a professional take over. The experience and knowledge of professional accounting firms is the best in the industry and can save you a lot of valuable time and money.

Is legally mandatory for companies to submit their tax return within twelve months after the end of the accounting period. If the company does not complete their tax preparation and subsequently pay corporation tax, are heavily fined and penalized. If you are unsure about the money involved in such services would be happy to know that the charges are negligible compared to the quality delivered. At the end of the day the money and time that you would be able to save would have exceeded the fees paid.

What is In QNUPS?

QNUPS is a pension plan that provides you with a series of choices. There are many aspects that you need to be aware in order to make the most of the schemas.

While you are thinking about QNUPS, what exactly will? Well, the kind of investment that you want to do will help you decide on that. This non-UK programme Board lets you choose from a variety of schemas.

When it comes to taxes, surely you want to pay as little as possible. After all, who wants to lose the richness of a tax? Will be glad to know that you can exempt the much debated concept of paying inheritance tax when you choose to make your investment in QNUPS. HMRC has itself stated that it is free from the clutches of the IHT. Inheritance tax was considered a pain for most people UK for a long time. Therefore, the scheme is really a relief to most of them. However, if you are a non-resident, must take into account the State inheritance tax in the country in which the pension is based.

Take the help of a qualified lawyer. He will be able to guide you in this respect and help to understand your needs. It is possible that local taxes and laws of succession can be circumvented with this schema. Might as well do away with the tax gain easily. It might be tempting to consider exotic goods class that QNUPS has to offer. Might also be attracted to choose pedestrian activities in your offshore pension scheme.

QNUPS allows you to think about finances and your property when you are very much alive. Allows more freedom to plan your money more systematically and enjoy the benefits. This is where, it is vital that you seek advice from an experienced professional because you must understand the position from the point of view of Britain, as well as the regime’s domestic jurisdiction.

The trend says that foreigners, as well as retirees are beneficial and attractive offshore schemes. You must be interested in knowing where you are putting your retirement funds and what is the procedure to follow to pick it up when you are in need. Well, there’s no upper age limit and can keep putting your contributions; but you must ensure that the rules governing the QNUPS about it.

There are other advantages associated with it. For example, lets you bypass the rigors of DTA or double taxation agreement and you have a better choice of countries to select from. Moreover, it is not necessary that the investment you make must be income earned; can be from any source whatsoever. QNUPS is a flexible plan that helps you plan your retirement and save your heirs from the burden of IHT.

Senin, 15 April 2013

Unclaimed Money Vault hits highest

Unclaimed money count continues to rise inexorably despite all efforts the biggest State and federal agencies. A whooping $ 40 billion is lying between the different State treasures across the country, and that translates to about 117 million accounts that are still not being traced. These pools are lying unclaimed money among various State treasures.

As part of the recovery unit, State and federal governments are assisting people in finding the forgotten cash or property that is legally theirs. In fact, every State of the United States, district of Columbia, Puerto Rico, Virgin Islands have unclaimed property programs that actively find owners of lost and forgotten assets.

The State coffers are filling up every month with the unclaimed money, but with very little movement on the front of the owner’s identification. An example can be sued by the State of Indiana: in 2009, Office of the Attorney General of Indiana was able to return $ 42.2 million of unclaimed money to its rightful owners, but also recovered $44,6 million lost property from various companies.

In the year 2006, $1,754 returned from 1.929 million accounts billions to owners, but this was offset in fiscal 2008, when Unclaimed Property section of the Department of revenue recovered lost property worth more than $ 100 million.

The relationship of unclaimed money coming to the money demanded is still disproportionately high. With the help of the press and electronic media, awareness programmes were transmitted to remotest corners that led to businesses, financial institutions and individuals who lost Property report.

In most cases, the unclaimed property was reported because of workforce migration or a change of residence after retirement. In the absence of a standard procedure for closing bank accounts and the collection of utility deposits, State residents are the losers in most cases. Do not inform the agencies on their new address where checks and balance amount can be sent. These undelivered checks and left out the amount of balance contribute largely to unclaimed property.

In a recent communication, the Federal Government reported that almost $ 16 billion lying in the form of savings bonds have never been cashed. These savings bonds have been issued long ago and now have matured and no interest is to be accrued from it. According to government regulations, these bonds contribute to unclaimed property. A great piece of unclaimed money is also due to the disappearance of the rightful owners of those funds.

According to a recent survey, nearly 89% of U.S. households (almost 8 to 9) are still missing on unclaimed money that is rightfully theirs; that translates to about $ 40 billion of unclaimed money waiting to be reclaimed. It won’t be a surprise if this figure reaches the $ 100 billion mark much dreaded (by State agencies and Government).

Unclaimed money count continues to rise inexorably despite all efforts the biggest State and federal agencies. A whooping $ 40 billion is lying between the different State treasures across the country, and that translates to about 117 million accounts that are still not being traced. These pools are lying unclaimed money among various State treasures.

As part of the recovery unit, State and federal governments are assisting people in finding the forgotten cash or property that is legally theirs. In fact, every State of the United States, district of Columbia, Puerto Rico, Virgin Islands have unclaimed property programs that actively find owners of lost and forgotten assets.

The State coffers are filling up every month with the unclaimed money, but with very little movement on the front of the owner’s identification. An example can be sued by the State of Indiana: in 2009, Office of the Attorney General of Indiana was able to return $ 42.2 million of unclaimed money to its rightful owners, but also recovered $44,6 million lost property from various companies.

In the year 2006, $1,754 returned from 1.929 million accounts billions to owners, but this was offset in fiscal 2008, when Unclaimed Property section of the Department of revenue recovered lost property worth more than $ 100 million.

Annuity loans – helpful or harmful?

The world is full of uncertainty, indeed! This is the reality that everyone can not deny. That’s why many people are looking to invest into something thought to be useful in the future. One of these is investment annuity where an individual is in agreement with an insurance company to make equal payments for a specific period during which the latter will pay back the money invested early with a significant increase in the additional benefits like lifetime loan.

First, in an investment of annuity, the money allocated for this becomes tax-free and certainly has the opportunity to grow as time passes. The gains in an annuity are tax free by nature so high returns are expected in the future. Generally, the more the half of the amount invested and the corresponding interest accumulated will be received through annuity loan anytime soon depending on the payment history of the investor and the investment scheme without paying unnecessary burdens.

Annuity loans typically take five years to be resolved unless otherwise stated within the clause. But it is worth noting that some insurance companies have their value investors an extension on the repayment scheme for loans for purchase of residential real estate, of course, to consider the ability of the investor. Generally the terms maybe extended up to twenty years. But it is not always a bed of roses. There are also disadvantages connected with this annuity loan.

For one, inability to pay the money in time can be very harmful. This amount will be treated as withdrawal. Worse, the interest rate on keeps piling on the outstanding loan balance once you cannot fulfil the obligation to repay the amount paid including interest, loan fees, and two tax if there is. Unpaid loans have tremendous impact on your annuity account. Earnings potential of your annuity will be reduced.

Now if you consider applying for an annuity loan, just make sure that you’ll be able to pay on time, otherwise it will suffer the consequences. Will be greatly benefited from loans with annuity if you have carefully planned and properly used, but is very dangerous even if you know what I mean. So take time in doing so.

How banks make money

Learn how banks work and make money. Read this report now to get the real truth:

Banks are businesses and must make profit like any other business. Many people (mostly poor) associate this activity with something bad. The truth is that we need banks and they need us. Banks need to thrive and if not, our economy would be in a really bad state. Yes these are financially difficult times already, but it would be much worse if banks suffered.

Here are 5 ways to make money:


We offer loans and make money in the form of interest. There is always risk involved and this is no exception. They charge higher interest rates on loans involving a higher risk and charge low interest rates on loans that involve less risk. The amount that is charged with interest in typical cases it depends on how many people want to borrow and how much they can afford to give.

2-savings accounts:

Most banks offer their customers about the 4% interest on the amount of money that they have deposited in their savings accounts. In turn offer someone who wants a loan at say 7% as an example. They make their profit from the difference of 7% (-4%) 3%. These figures are used as examples only and the system they use is not so cut and dry. This is just to give you an idea of how it’s made money on savings accounts.
Some banks will also use the savings to invest in other things like Forex trading, hedge funds and pension funds management.

Loan application fees
Closing costs
Account maintenance charges
Project fees
Late fees
Bank machine costs
Card transaction fees
Withdrawal fees
Teller transaction costs
Insufficient funds fees
4 investment opportunities:

Banks also make money by offering customers, stocks, bonds and other securities that they can invest their money in.

Banks play an important role in our lives. We lend money to buy our homes and cars. Imagine having to save money to buy a House? Many of us wouldn’t be able to handle this until maybe after retirement.

Rory Singh is an Internet entrepreneur and investor.

You’re a serious entrepreneur? Looking for a head start on your first million? Find out how: take control of your financial future and change your life and your lifestyle starting this week!

Selasa, 09 April 2013

Accounting services and your Business needs

When you own and operate a business, the most important factor in your success is how to manage your finances. Cash flow, profit and loss, wages, and tax bills are all areas where you can have your own limited knowledge, but you will need an accountant if you want to be able to run the company successfully. But what are the services that require a financial expert? It would be better to employ someone in-house or outsource your bookkeeping needs for an independent company? And how much are you willing to pay for the work of an accountant? You will be able to answer most of these questions by looking at the size of your company, the annual turnover and the amount of staff they employ. If the numbers are large may be cheaper to employ an accountant full or part-time. If you have a more modest business then it might be better to use an accounting firm for all your financial needs.

But what are the accounting services that businesses need? Well, we come in all shapes and sizes; have different values, different goals and different outfits. So even though it may take some of the services listed below, you may not need all of them. Let’s look at the different services that offer accountants and how they are relevant to a business.

Tax accounting is able to actively manage the payment of the taxes to make sure that you pay for only what you need, avoiding double payment and expense management.

VAT with VAT changes happening regularly these days, it is important that the finances to keep up with the changes. In many companies, you must plan for the increase of VAT; change rates and regulate financial documents. Accountants have a lot of experience with this and will be able to advise you on how to handle your business VAT.

Payroll-Employee management, are responsible for their economic well-being. You must ensure that they are paid the right amount at the right time; You should be able to advise on tax and national insurance contributions and if you have a pension scheme you need to discuss this with them as well.

Accounting-most enterprises will be flooded with paperwork. Invoices, receipts, bank statements and communication HM Revenue and Customs; These are all documents that you will face. If you are a manager, you have little financial knowledge or do not feel comfortable with them by answering correctly, your accountant will be able to deal with them and that the accounts are up to date at the end of the financial year.

These are just some of the services that will make an accountant for businesses, and can help you strategically plan your business to make the most profit possible. So if you are looking for accountants in Buckingham or Birmingham, don’t underestimate the benefits they can bring to your business.

Sarah Boothman is a writer and Director of Yorkshire, England. She is an avid internet user and loves to share the information with the rest of the world. She uses an accountants in Buckingham for her financial needs and are called B & K partners.

Auto-Safety-the key to matching money

Whatever the financial situation right now, and yet feel about it, never forget that it’s just a fact, and can be changed in the blink of an eye, by a change of perspective.

Now, many people seem to have the idea that there is a recession. But we are only subject to a circumstance in our lives when they have not yet understood (or forgot) our emancipation. And if we are entirely subject to something, what is our ‘ King ‘.

For some people, this can be a shocking statement. How can you ignore the recession? The reaction to this question may well explain why the recession is hitting in the first place!

When an idea is focused on, becomes tangible. Literally materializes. When there’s hypothesis or speculation on the money, money ‘ move ‘ is displayed according to the speculation, speculation in fear or in trust. The entire stock market is based on this principle. In fact, the entire banking system is founded on this dynamic, an illusion of resources subject to thoughts, feelings and actions (monitoring and management) we give to resources.

Then it follows that a large number of people fearing a recession, speaking or predict a recession will bring about the object of their attention: a recession. Now, for those who are nimble and astute their self-preservation during a financial recession, any collective belief doesn’t affect them. In fact many astute business thrive during a recession.

In claiming our individual power as ruler of our universe, we can in fact leave a collective experience unfavorably and create a personal version (a viewpoint) to thrive, whatever the climate money environment.

Thriving in any situation or climate, is an ability and qualities emanating from a permanent feeling of self-protection. This feeling is what all human beings aspire to whatever their circumstances, or ‘ millionaire ‘ survivor.

This confidence has nothing to do with red or black ink on ‘ bank statements ‘. Even rich people have insecurities about money despite a dollar instead. But in full ‘ self-emotional security ‘, we are freed to create durable our material life, plus elect.

For people with naturally philanthropic Natures and altruistic business visions, come to terms with the wealth can be very difficult. People who listen to ‘ divine guidance ‘ sometimes find it difficult to reconcile the ideals of a world without money and keep a roof over their heads. But in reality, face of God shines on paper money too! Abundance is our divine heritage and flexibility of money is only one aspect of it.

Very often the topic ‘ spiritual ‘ is an attempt to hide the fact that people have not yet received such clear enough to allow the flow of money. But all altruism runs better with millions of dollars behind it.

Avoiding wealth indulge challenges to proclaim our self-esteem and the confidence to acquire financial facilities and a rich mentality. Becomes a procrastination and complacency. And as a form of self-sabotage, if we want results as soon as we get over it!

Also the ideals of worlds less money are simply refusing to reconcile the system we already have. People struggling with money can invent 1 million ways to avoid coming to terms with it management. The underlying feeling of lack, or that wealth is somehow too difficult to achieve, will flow around the subconscious as a cancer, eating away at hope, optimism, too.

But the money itself, is entirely neutral!

It is simply a communication energy, shiny enough to reflect and stop you every bit of woolly thinking that it can produce. Money does not have an opinion about you, but if you have money, you can be sure they will respond!

Some say that if you do the inner work the rest will take care of itself. In many cases this is true. In fact, changes must come from within. However understand this fact ‘ intellectually and not being able to permanently access positive feelings about wealth, nor see tangible results, it will create continuous inner conflict. Also read and studied books of wealth is not enough. No one else can make us rich, but to us!

It is important to compare Cash for gold websites?

When you realize that it’s so easy to get money quickly by crate for Golden Web sites, it is just as easy to pack and send all the gold you can find in your House for the first company you see offering this service. While generally you will be able to get a good price for gold (thanks to today’s economic conditions and the strong demand for gold)-you can still get a better deal if you look elsewhere.

You should be aware that due to the current high value of gold, there are hundreds of cash for companies opening gold in the United Kingdom. Looking around and checking out the different rates offered by cash for gold service, suddenly to sell your gold becomes a little more complicated. But certainly won’t be hard! To compare different cash for gold websites became ten times easier, thanks to the comparison sites as those that compare insurance quotes.

A site rich in comparison to compare rates and offers from most major cash for gold service in United Kingdom. So why the prices vary so much? You need to remember that every company out there will be different as they refine the gold. Some companies will refine the gold themselves by their own refineries-while other companies will outsource the services means that they cost more. When an enterprise has more outgoing costs, they need to do for that, passing on the cost to you.

Comparing cash for gold websites that you can filter out companies that offer less money for your gold, which lets you choose only from companies that provide you with the best deal. That’s about it, would you really want to sell gold to a company that is going to give less, at a time when gold is at its most valuable? For making it use the current value of gold, you need to ensure you’re getting the right deal. After all, it’s incredibly unlikely that you will be able to sell for a high price at any time in the near future. Avoid time-consuming internet searches and phone calls and simply use a comparison service to help you clarify who’s going to give more. Is really easy, really easy and really fast.

Minggu, 07 April 2013

Migrate to AUDDIS direct debits

AUDDIS stands for Automated Debit Direct instruction service. A AUDDIS operating system allows an organization to submit their instructions to Bacs direct debit electronically instead of sending them in the post. If you are thinking of AUDDIS, here are some things to think about:

1. What are the advantages of AUDDIS?

reduced costs associated with processing (reduced paper and postage)
more accurately, IE not to decipher handwriting,
previous warning (first collection), direct debits that have not been set
reduced errors due to the control module, (pre presentation),
fastest processing time-reduced from 14 to between 2-5 days,
simplify administration,
possibility of introducing a sign of paperless system.
2. There are additional rules AUDDIS and considerations?

It is important to have access to billing instructions in case you need to prove you have the payer’s authority to raise money.
We recommend that you perform a KYC (know your customer) verify how banks are not checking signatures for you.
There are also new transaction codes to be aware, and you must be able to generate a new file.
3. How do I become a user AUDDIS?

All new users of the service send directly to Bacs will be AUDDIS enabled. If your organization currently sends all direct debits from post you have several options:

move all your existing direct debit instructions to become AUDDIS instructions, migrating the service user number. This can be a complex process, though experienced guide can help ensure no interruptions or not collected.

replace your existing service user number with a new issue of AUDDIS enabled service user. All existing customers, should provide new direct debit instructions, running the risk that some customers would refuse. It may be that time-consuming and may require system changes, however for organizations with relatively few customers may be more simple than a migration.

2 user numbers operate in parallel. One would be the current number of non-AUDDIS enabled, which would be used only for existing customers and reduce naturally over time. The other would be activated AUDDIS and should be used for new customers. This may be very simple in practice, especially if there is high customer turnover.
4. how to migrate to AUDDIS?

There are four key stages of migration:

Application: This requires you to complete and submit application forms with your sponsoring bank. You must have taken decisions about software, reference numbers and identity checking before they can complete.

Preparation: at this stage you will need to ensure that you are able to get your systems and processes ready for AUDDIS. This can involve upgrading or procure additional software, depending on the current set.

Test: to prove to Bacsand to your sponsoring bank you are able to send AUDDIS files correctly, you will be asked to send some dummy files while your service user number is set to ‘ test ‘ status. The purpose of this is to make sure that things go well when you go live.

Migrate and Go Live: this is the final step that allows you to convert the existing direct debit instructions in AUDDIS. You will not be able to send instructions manual (paper), once the user service tag has been migrated.
5. how long should it take to implement a AUDDIS system?

You should allow about a month to get a new user number enabled AUDDIS and about four months to migrate your user number service, assuming the process is efficiently managed.

Things to consider before opting for the balance transfer credit cards

Balance transfer credit cards are considered by cardholders of experts as a way to consolidate debt. The idea is pretty simple as it involves only three steps. Before choosing a card with 0% APR on balance transfers and apply for it. Once approved, you can then transfer the existing balance to the new card. Because of its simplicity, you may think that is a good idea and might just be the best way to clear the debt. However, there are essential things that need to be clarified first. Knowing that they will allow you to move your balance and hopefully have a financial Stabler life successfully.

0% interest on balance transfers

0% APR is good business. When you transfer your current balance to a 0% APR card, you don’t have to pay interest. You can choose to pay the minimum required payment without increasing the money you owe. As you know, interest rates are extremely high today. If you can’t pay on time, it’s much better to use a 0% interest card. Note that 0% does not mean that there will be no cost when you transfer your balance. Usually, the transfer fee starts at $ 5 or may vary depending on the total amount that you moved.

Credit history

Once it was pointed out how beneficial it is to have good credit rating. Most banks will become instantly because you’re a risky consumer with your poor credit rating. 0% interest cards may not be at hand for your current score. If you can, you should be able to fix the score before applying a new card. The good news is that in fact you can find cards that approve even those with poor credit rating. All you need is patience and determination to find the best card for your current situation.

Total amount

If you can get a 0% APR card for balance transfers, definitely you save tons of money in the long run. You should know, however, that not all your balances will be transferred to the new card. For example, if you have a total of $ 50,000 balance, you may only be able to move $ 10,000 to $ 30,000 of your balance the new tab. The amount will depend on the issuer of the card and the card itself.

The use of a balance transfer card is the fact that offer lower interest rates than a traditional paper. For example, instead of paying 12% monthly on your outlet, you can clear the share without worrying about interest rates for, say, five months. This is already a great help, especially for those who have large credit card debt.

When used properly, a balance transfer card can become a tool of great debt consolidation as it helps to reduce the interest payable. It also saves the hassle of constantly keeping track of deadlines, which occur when you have multiple tabs to pay every month.

Credit cards are important for entrepreneurs?

With the rise of online shopping, where electronic payments have become the norm, has become extremely popular the use of credit cards. However, while the majority of individuals have taken up the use of these financial vehicles for their personal use, many entrepreneurs are still leery of the meaning of these plastic materials for the growth of their business. So, the question remains: are credit cards really important for entrepreneurs?

To answer this question, let’s take a look at some advantages and disadvantages of using these plastics business.


There is no denying that scroll cards convenience for consumers. With these, consumers don’t have to worry about not having enough money for their purchases. In fact, do not have to carry cash at all when making purchases with merchants. Can easily spend using the card if they need to buy household appliances, food, gas or airline tickets. It also doesn’t have to go through the hassles of carrying large cash as they can only use one card for all their operations. In addition, they can easily use cards online to pay bills, even goods and services.

The disadvantage of having this handy tool, however, is that people can overspend, so put yourself at risk of accumulating debts. When used responsibly, however, can really make a big difference.

Business capital

Funds for enterprises are hard to come by sometimes. With a card, you can easily extend your financing, since this can be used as a source of start-up capital. There are cards that are designed specifically for businesses. Very well may be used to conduct transactions or purchases for commercial purposes.

The disadvantage of using these financial vehicles as a source of capital for companies is that it can be more expensive than personal credit cards. In addition, they may also have higher rates of interest.


Entrepreneurs can benefit from using tabs through the rewards they offer. Most cards for businesses offer discounts, rebates, seductive without elements and the ability to save more and spend more.

Fraud protection

Business credit cards are often equipped with fraud protection. This added security is a huge advantage for any businessman. With fraud protection, you can be assured that business transactions, such as online purchases for the company and many other transactions involving the use of paper, are protected from prying eyes by suspicious individuals.

Motivation tool

Give your employees their own cards can be rewarding. This can serve as a motivational tactic for them to work harder. The good thing about this is that even if employees are given their own cards, still can control how much you can spend. You also have the power to restrict the use of their cards.

Credit cards can also be used to increase the credit score of a company, giving your business a chance to get approved for a business loan with a low interest rate in the future.

With all the advantages offered by these financial instruments to a businessman, it cannot be argued that the answer to the question of whether credit cards are important for entrepreneurs is a resounding “Yes!”

Sabtu, 06 April 2013

5 ways to get money fast

There are many ways to make money without having to work like a slave and waiting forever. We can look at 5 ways sure to make some money within the week.

1. payment Marketing Research

You can make easy money as of now by filling in a lot of investigations. A lot of large companies need to stay on top of and information is vital. For this reason their budget problems a part of their money to find out exactly what makes people like us shop at their stores. The investigations are completed and give them information they need to give them more understanding better marketing of their products. People who fill out these surveys are rewarded with points or more generally in cash. The only drawback is finding good websites that have good survey programs. This method is still a great way to make some money easily and free, as you are willing to invest anywhere from 30 minutes to 2 hours per day.

2. Buy reviews

This particular approach is used by almost no one and yet is very profitable. Providers of online business selling their products many usually do not have time to do extensive reviews for them. You can make a considerable amount of money by buying their products if you have them and photograph as well as a short video explaining the product and its use. I once ordered an inflatable balloon for as little as $ 2, taken 6 pictures of it and made a short video and sold back to the company for $ 100. Had to be one of 100 easier than ever had done. Whereas many different trade Web sites sell the same products, you can use the same review and sell it to different companies.

3. sell items

Look around your House and sell items as many as you can. You will find that you have had more things in your House that you don’t use ever than you thought. Anything that you can think of can be sold online. You never know what might need. Amazon and other sites like that will give money for books or textbooks. You can get good deals on eBay for newer phones that you might have. Craigslist is a great place to sell things and relatively quickly too. More intense your city is the fastest you can make the sale. A garage sale wouldn’t hurt as well.

4. Affiliate Marketing

This method makes a middle man between companies and customers. This effectively makes is placed next to the meat. In other words, it is a great way to make more money than you can count. You have to know what you’re doing anyway. I can remember many a disappointing campaign because I was marketing the products in the wrong way. You can actually place ads on Web sites, but an easier and more convenient method is to write articles on the subject of product to get readers interested. You don’t need to be a literary genius, but should be able to write with good grammar. More articles you can write more direct traffic to the website and consequently your affiliate link. It is worth the search.

5. Charity

Yup. I really want to say that. Panhandlers make a lot of money. Make anywhere from $ 30 -40 now that’s almost double hourly rate, most people do in their day job. I’ve also heard of Panhandlers who still live in houses and using charity to support living expenses. One day in Las Vegas for people can make more money than you’d expect.

Those are just 5 ways you can consider in order to make some money fast. It is important to keep focused and alert when trying to make some money. I wish you the best!

A note on credit card machines

Credit card machines are a set of merchant service provider for third parties that handle the processing of paper work. When times are slow, unreliable manual imprinters as terminals and the terminal point of sale were our only options, not more. Nowadays, you can also process your plastic money since the absolute comfort of your home! Modern paper machines make it incredibly easy for any small businessman resized or large in scale-to offer plastic money services to their customers. Many different styles and make these machines in the global market today is overwhelming. They have been Subverted to measure up to the needs of our customers and dealers.

In the current economic climate when we all sparkling are trying to make ends meet, traders want the most efficient equipment possible, which are relatively easy to use. In addition, having a terminator card in your company is an extremely strong selling point. The purchase of a Terminal without an attached printer or a terminal with integrated printer is a strong personal reference. However, if you are working in a retail environment, would need one with integrated printer. Furniture retailers and business owners need not worry due to the wide variety of wireless machines. Most of these machines have the ability to manage multiple merchant accounts, which is extremely effective for businesses. Each customer can have their own merchant accounts to avert any future complications.

Widely used brands in the market today are terminals Hypercom, VeriFone and Lipman. These are generally integrated into those with and those without printers printers. Those without built-in printers are majorly used by merchants who are not necessarily required to issue their customers with receipts. This is also a good choice for furniture companies such as electrical contractors, Locksmiths, plumbers and even landscaping. The high cost of credit card machines wireless improve the way previous option. This printer without terminals are incredibly affordable and can fit into anyone’s budget. The examples in this category include VeriFone Tranz 380 and VeriFone Tranz 330.

In the retail market, machines with integrated printers are more applicable. They can process cards of customers while at the same time issuing receipts for any transactions made at the exact moment. Although cost more than those without a printer, are still affordable. The machines of the most popular integrated printer include; VeriFone Omni 3200se, terminals Hypercom t7 Plus and Nurit 2085. Wireless credit card is the most expensive; However, never fail to exceed expectations of anyone because of their reliability and efficiency.

Credit card machines continue to sing different tunes every time, as experts in the area try to keep up with the latest technological inventions. The ever-changing demands for better equipment machine pushes for further developments and innovations in the field of credit card. If you are a merchant or a simple client, you should try to keep up with the latest technological innovations. With the amazing news and growth in the field of credit card machine, only the sky could be the limit.

Credit cards for your Online Business

In today’s tough economy, many people are gearing towards launching online businesses. Why? Not only saves space but payments cut considerably even on start-up costs. You also save on insurance and utility costs. Many entrepreneurs are incorporating this idea into their systems, and after a certain time, they intend to be based entirely online. If you set a baseline business-large or small, the majority of payments services will be through tabs. If you do not accept or accept card transactions, then you will lose a huge number of sales. What most customers look for is the service of plastic money, and if they do not accommodate or not accept them, moving to another Web site that will accept their payment method. A recent study showed that such online businesses that accept credit card payments have sales up to 400% faster than those who don’t.

The easiest way to set up your business to accept payment by card is amazing. For the set up, you have two alternatives. You can apply the traditional merchant account with a bank. With this option, you will have to pay the set up fees and extra payment every month. The other option is to try a card processing company online, providing credit card services, without any set up fees. For a small business or if you are just establishing or start an online business, you need to check and find a provider of reliable card processing. At first, you will not be able to predict how many transactions committed per month. Avoid going for payment exceeds monthly fee lower transaction. As long as you are not sure of the number of transactions in a month, you should go for the higher transaction-low monthly fee is charged. With the latter option, you will pay for each transaction, and about $ 10 per month.

Thorough research and control of online card processing providers will ensure that you sign up with the right company. You should be wary of any company that offers bonuses and extra applications. You should choose a company that will be able to alert you, through the telephone or post, transactions and credit card payments. It will cost you a lot less if you accept payment by credit card $ 70 by creating, printing and mailing an invoice to the customer. If you are starting a small online business or extend your already successful business, accepting card payments will substantially reduce debt. This will increase the overall cash flow by increasing profits for the company. Constantly high profits will ensure the prosperity of your business.

All in all, you must be familiar with the overall credit card processing procedure. It is essential to know what your business needs or requests and how you can make it happen. Don’t delay because it definitely will cost much and to some extent, even your business. Credit card processing is crucial, and will lift your business to greater heights that has ever achieved.

15 simple ways to save money every day

1. Use cash: it’s easy to spend money that you don’t have when you pay for everything by credit card. Cash makes your feel more real expenditure, therefore you will find it difficult to part with your hard earned money.

2. Set an allowance: to make sure you don’t overspend set yourself a bonus week or even daily. This will ensure that you don’t find ever in debt. If you haven’t spent your cheque per week you can enter the difference on your savings account.

3. eat at home: takeaway tend not only to be unhealthy but are also expensive. Spending $ 10 -15 every time soon adds up to a lot of money. If you order a takeaway that then a week to 12 $ $624 is over one year.

4. Monitor the expenditure: these days many of us have a Smartphone like an iPhone or a BlackBerry which makes it easier than ever to track our daily shopping. An app will work on your phone or you can monitor spending online.

5. Sell is not necessary: we all have something lying around that we don’t need more, be it an old TV or a pile of clothes. eBay does sell unwanted objects as simple as possible.

6. make a list: food when you go grocery shopping always make a list and stick to it. When there is no list is easy to buy extra items that we don’t need. Sometimes you end up forgetting what we actually planned for purchase in the first place. Make it your mission to never go food shopping when you’re hungry; the temptation to buy junk food is too large for most of us. You can also save more money on your grocery shopping by purchasing online with the advantage that they will be delivered directly to your door.

7. Expiry dates on food: Americans spend millions of dollars every year simply to throw away food, think that it is no longer safe to eat. Expiration dates are there only for two reasons; I know that a company can’t get sued if a buyer gets sick and increase profits. I’ve been eating food that has “expired” for years and have never been sick because of it (another advantage is that the element is always cheaper if bought on the day of that date).

8. go to the movies before: instead of going to the movies at the beginning 20: 0: 0 18 going first tickets are cheaper when not in prime time. Bring snacks from home, snacks at the theater are incredibly overpriced; Did you know there are 1000% profit margin on popcorn! You can also save more to watch and download movies legally and cheaply on the internet.

9. Put the 20% of your salary in savings: whenever you get paid the 20% of the money put in savings account. This soon becomes second nature and it adds up to a substantial amount of time.

10. lend and borrow instead of buy: before making a purchase ask your friends or family if they have the voice. The easiest way is to send an email asking them. Family and friends always want to help each other.

11. Achieve materialistic goods won’t make you happy: all of us have felt that feeling of happiness after purchasing the latest gadget or piece of designer clothing. The thing is that there are just happy for a day or two, then we are looking for something other, buy to get that feeling back. Is a never ending cycle. Advertising is the greatest art form of the 20th century; works incredibly well to get us to part with our money.

12. use the $ 100 rule: this is a simple rule, if you plan to buy something that is $ 100 or more, wait a day to see if the urge to shop is still there. This will allow you to assess the need for the element more calmly.

13. always ask: can never get unless you ask. Make a habit of asking for discounts or if there’s a sale on. You’ll be surprised how much you can save just by asking.

14. Prepaid: some readers should ignore this advice, as it massively could backfire, but if you’re like me then you don’t spend hours on the phone. It’s just a quick phone call here and there and above all communication from the text. I stopped my 50 $ per month contract and only spend about $ 20 per month; a savings of $ 360 per year. You can get a good prepaid phone for as little as $ 20 at Amazon.

15. Gym Membership: a lot of people have a gym membership because it seemed a good idea at the time (I know I got my registration as part of my new year’s resolution!) but in the end almost never go. This is just wasting money.

Jumat, 05 April 2013

Online accounting for accounting services

If you are a small business owner and you know that accounting is critical to the success of your business, then you must also know that it is a long time and has no value towards your customers. In simple terms, is a major burden. It can become even more difficult on your part, if you made the mistake of hiring an old-fashioned out accounting service site that is irregular with accounting updates, or even worse, you brought an expensive accounting software that doesn’t have the flexibility to cover the accounting requirements. If this is the kind of circumstance that you are, then you really consider accounting service to an accountant switching online and start reaping the benefits immediately.

Security: most business owners who do not take online accounting service believe that financial information can easily get scratched or stolen by someone who wants to. This is a complete theory without basis, as at present, all online organizations use secure servers that make Internet a very safe place to exchange information. All statements and financial records remain perfectly confidential. Only those viewers, which allows viewing access, will be able to see the records.

Convenience: When you keep accounting records online with the help of an accountant online, allows you to access your financial data at any time or place. All you need is your Internet connection, and you’re good to go. This way you don’t have to wait for weekly updates from accounting services provider. You can easily obtain updates, and then copy it to the presentation ready when needed.

Save time: If you are using online banking services, an on-line reporting has the potential to download all your bank statements and records directly into your accounting records. This is a process that will save you a lot of time, as it reduces the number of duplicate entries that must be completed.

Conformity: Each company has its own unique style. An accountant online allow you to choose your financial information in a format that fits your business, rather than the other way around.

Disaster recovery: If you are a small business organization that process Auditors through accounting software on your PC, and you don’t back them up regularly, then chances are, when you lock the hard drive, you will not be able to recover all of his statements. Keeping your financial records online, you don’t have to worry about reliability as an accountant online employs massive service with continuous backup services.

A: b: If you need an online account to make the accounting services of your concern with skill and readiness, then hire our services. We offer these services for small and large business owners. We always respect the duration and the conclusion of customers at most.

If you want to hire an accountant to help you get the best performance of your business, you need to make some considerations before deciding. You should use caution when getting an accountant online, especially when it comes to confidentiality and privacy that you want to be granted for documents and data of your company. Online accounting is that he always tend to be proactive and service oriented. This is because it depends on its reputation as one as he carries out his task. As such, service that is faster and more time can be predicted from an accountant online that from an ordinary employee.

Save money one way or another

Everyone likes to save money one way or another. An area where you tend to spend a lot of money is fueling our cars. Other areas such as heating, lighting, exhaust our pocket too. When we learn to protect our pockets in this area she ends up saving the eco-system as well.

Heating costs can be reduced drastically. However you will need to follow the following steps to do this. Heaters must be used in empty rooms; You might also consider insulating panels and radiator. Completely free heating will take the strain.

Trying to minimize the smoke raises as much as possible, that you may be able to get a lot of heat for yourself and eventually significantly saving much money by using fire.

The logs can emit a lot of smoke and heat, if wet. To make sure this doesn’t happen that you need to make sure they are dry and perfect for burning. Using the Windows registry is cheap and popular. We also create a sort of love affair on of them is unique and attractive.

The best place to keep the registers are at the log store. Storing them here will keep them safe and dry. You can continue their stacking during periods that you need. In winter, when it is normally difficult to work you can then rely on them for your needs.

You can burn the unwanted materials into your home to provide heating. The easiest way is to get a car for registration. The duty to register maker is leaving the paper, cards and newspaper in a State compact to burn in the fire.

Record producers are very well not only to you but also to the environment. Burn the logs with less heat and smoke. They do this because they are able to compress the paper in tiny dimensions that burn slowly.

Kamis, 04 April 2013

Hire professionals, corporate tax saving

Corporation tax can be defined to a layman as the tax paid by the company on its taxable income. Every company is bound by law to pay this fee. All companies must complete the return form on the revenue of the Agency with all the supporting documents to validate tax preparation. For smaller companies to fill out form is known as CT600. While maintaining their daily accounting is imperative for the company to keep the record in such an order that can be filled a definite tax return for the company.

No matter what the law says is obviously not appreciated by any company simply pay out large amounts as corporation tax. So what is the solution in these cases? This is where a professional firm enters the picture. Professional accounting firms offer services to prepare your tax preparation and guarantee “legally” pay significantly lower amounts as corporation tax. There may be cases of overcharging, charging or you may end up filling the form incorrectly. The simplest solution to all these problems is to let a professional take over. The experience and knowledge of professional accounting firms is the best in the industry and can save you a lot of valuable time and money.

Is legally mandatory for companies to submit their tax return within twelve months after the end of the accounting period. If the company does not complete their tax preparation and subsequently pay corporation tax, are heavily fined and penalized. If you are unsure about the money involved in such services would be happy to know that the charges are negligible compared to the quality delivered. At the end of the day the money and time that you would be able to save would have exceeded the fees paid.