As a landscaper, I work a lot of hours. I get up most mornings at 5 AM so that I can be on the road by 7 AM to see my first customer of the day. I often do not finish my work day until 8 PM each night, and I am often tired and have little time left before I need to be in bed again. Making phone calls to some of my customers who don’t pay on time is not something I have time for. I called Professional Recovery Consultants to ask them what can be done about this, and they have been great.
It costs me time and money to have to make a lot of calls to customers. I work on Saturdays and Sundays as well, so I don’t have any free days to chase down customers for past-due payments. [Read more →]
September 30, 2015 Comments Off
Have you been considering getting yourself one of those cash loans? I feel you. Whenever I have an unexpected debt or really, really want to buy myself that I’ve been wanting my thoughts instantly go to one of those payday loan like places. They seem like such a great idea, don’t they? Personally, I’m all for them. This is assuming that anyone take out a loan understands the legal agreement, the interest rate and has enough money to actually pay back the loan. Some of these places don’t care whether or not the money is actually there to be paid back; that’s not how they make their money.
They can sell debt to credit agencies who will hound individuals through phone calls or even take them to court – something that doesn’t exactly work well, truth be told. [Read more →]
September 28, 2015 Comments Off
A Roth IRA (Individual Retirement Arrangement) is a retirement plan under United States law that is not typically taxed, provided that certain conditions are met under this unique plan. This is the retirement plan that, even at my 31 years of age, I have been told again and against that I need to invest is. Is it the right plan for me? I am what you can consider financially stupid. I have never been someone who has learned how to invest – I have a savings account in which I keep at least three months worth of bills saved up in case the worst should happen but beyond that I honestly do not have a clue as to what I should be doing with my money.
An Individual Retirement Arrangement can be an individual retirement account containing a portfolio of investments in securities, usually common stocks and bonds, often through a mutual fund. The main advantage of this sort of retirement plan is that there are fewer restrictions on the investments that can be made than most other tax advantaged (tax free) plans, which has helped it’s popularity over the years. [Read more →]
September 6, 2015 Comments Off
Each financially obligated individual and business should always be keeping a detailed financial record or at the very least hire a management accountant in Brisbane, in light of the fact that it is essential for gauging the advancement and development of the business. Too, it offers a sense of security should anything ever go awry within the budget. Keeping great records will help you to prepare financial explanations and presentations, appraise any questionable receipts or transactions, ascertain deductible costs, prepare any expense forms, and associate everything to the appropriate federal or government forms in your country. Moreover, if you ever hire a legal advisor, your recording keeping will help you to delegate financial responsibility.
Building up a record keeping infrastructure is vital to guaranteeing your businesses’ financial success. Before progress can be made, there must be a record of exchanges. [Read more →]
August 28, 2015 Comments Off
For many years, I handled the bookkeeping at my small business. But within a year or so, I decided to hire someone to take over the work from me so that my time would be free to focus on other things instead. She was an accountant who seemed to do great work for me, but at some point, I finally realized that I needed someone with more experience. Someone who could help move my business forward.
I had big goals for my company, and I was pleased to see the growth each year that I hoped to gain. I really enjoyed being able to pay my employees well, give them well deserved raises and let them all know that I hoped to continue running a business that would give them a secured spot within the company for as long as we remained thriving. But I also needed to make sure that the employees that I hired are people who know how to keep up with the growth of our company.
When we were simply a small, start-up businesses, the employee who was hired to do our accounting had no trouble with keeping up with the work. [Read more →]
August 18, 2015 Comments Off
After growing tired of living in rental homes, I decided to set my mind to buying my own place. I was simply tired of being at the mercy of landlords who are looking out for their own interests at all times. A place that I own would mean that I am responsible for all of my decisions concerning my house, and I would not have to beg someone else to do the work around the place. So, I began looking in earnest, and found a place. I decided to go with Morgan Hill mortgage lender to secure my loan. I liked their rates that they gave me. After that, all I had to do was wait for the big closing day to sign the paperwork, and the house was mine.
When my contract ended on the rental home I was in, I was pretty elated to tell the landlord that I was leaving. I had lived in that place for five years, and I had always made sure to pay my rent on time. I kept both the inside and the outside of the entire place clean and well picked up. In fact, I would say that I did better in taking care of everything than many renters do. [Read more →]
August 5, 2015 Comments Off
I was always filing for an extension to do my business taxes. It was tough doing everything we needed to do to run our home business and keep the house running efficiently. Then we had to add meticulous bookkeeping to the list to keep the tax people happy. I was looking at how much it was costing us in man hours to do our own bookkeeping versus what it would cost to have a professional San Jose accounting firm do it for us. We thought we were too small of a business to benefit from having an accountant do anything other than our taxes.
We had a small payroll of five employees of which my wife and I were two of them. So it was only three other people who worked with us in our small cottage industry. We paid a living wage to ourselves and our employees. We provided a good healthcare insurance policy. We stayed small and within our means maximizing our profits to benefit the people we had rather than looking for constant expansion. [Read more →]
July 23, 2015 Comments Off
My husband and I both have really great jobs, but we decided to wait to buy a house until we had paid off our student loan bills. We wanted the freedom to get exactly the house that we wanted, which we were able to find quite easily once we made the final payments on the student loans. The house we wanted was over half a million dollars, but we both knew that it was the house that we would live in for the rest of our lives. This was possible because of http://www.jumboloanmortgages.net, which is a website where we learned about jumbo loans.
We knew that the amount we were going to borrow was a lot more than what traditional loans cost. Even with our down payment, we were still going to have a loan in excess of 600,000 dollars. We definitely qualified for a jumbo loan because of our income and credit scores, but we wanted to still get the best rates possible. We had looked at quite a few different options, but it was through that website that we found what we were looking for. [Read more →]
August 27, 2014 Comments Off
I knew that I wanted to look into online trading, but I was not sure at first which direction I was going to go with it. There were just so many different options available to me, and I carefully looked at each of my options. I decided that pairs trading was a safe way for me to test the so called waters to see if I liked online trading. What appealed to me the most with this is that it does not matter which way the market is going with this kind of trading.
Most investors and traders only want to see prices going up, but I saw where falling stocks can be an advantage to traders too if they understand what they are doing. I have been following the stock market for many years, so I was not a complete newbie to how everything works. [Read more →]
July 28, 2014 Comments Off
Of course I was always a big coffee drinker, I started out when I was still in high school. At that time I used to stay out way too late at night and then in the morning I would get up and have to go to High School. I had a great girlfriend for a teenaged boy, she never said no to a night out and pretty much wanted to be with me all the time, although that burnt out quickly. At any rate I needed coffee a lot. Now I went and found promotional codes and coupons and got myself one of those really nice coffee makers, although I suppose you can spend a whole lot more mone than the one I got cost. [Read more →]
November 15, 2013 Comments Off
I am all about saving money. I am a single mother raising two boys, so it is something that is necessary to do if I am going to make my paycheck stretch to cover all of our bills. One of the ways that I do this is by using printable manufacturer coupons at the grocery store. I don’t qualify for any government assistance because I make just a few dollars more than the minimum allowed, so I had to get creative on ways to save money at the store. I did not want my boys eating beans and rice for every meal, and now they have a really nice variety because of the coupons that I use.
I am able to print them at work since I don’t have a computer at home. My boss doesn’t mind because he knows my situation, and I get all of my work done too. His wife also uses coupons, and they are at the other end of the financial spectrum, so it is interesting to see that people of all walks of life use them. [Read more →]
June 7, 2015 Comments Off
Finding the right person to help build your business idea into a successful company is harder than you may at first suppose. Many of us decide to take on a business partner for a variety of reasons; most of which seem valid and justified at the time – even crucial to the successful birth and growth of the business. Few of us have the foresight to pause and consider the long-term implications of our decisions and choices – until it is too late. This is why I began looking into SHEEO after my long time girlfriend suggested that I might find some unique and promising approaches to my business model with their help.
A strategic alliance is a relationship that is formed to increase visibility and generate new business in a more cost effective and efficient manner. These relationships can be as formal or informal as you want. My suggestion is to start exploring these opportunities on an informal basis. It will keep it cost effective and efficient for both parties. [Read more →]
April 13, 2015 Comments Off
It took me many years to figure out what I wanted to do with my life career-wise. I first entered college with the hope of becoming a psychologist. After learning just how crowded that field is, I changed my focus. My dad told me that I should get a finance and business degree in order to apply at Warwick Associates where he works. I had always enjoyed dad sharing stories about his work, so I began to think he had a good point.
First, I went to work with him one day to see what exactly he does in person. It was one thing to hear him talk about it over the years, but quite another to see him in action. We spent a good portion of the day in his office while he pointed out what he was doing on the computer, phone calls, etc. [Read more →]
January 15, 2015 Comments Off
I have started thinking about how to go about getting an internship. I was not sure what sort of one I was looking for, but I happened to check out youtube and I found a couple of videos on the topic. One was by this place called Warwick associates and they were in the Investment Banking business. Of course they were talking about how to impress the people that you were the one they should pick. It is pretty obvious that the internships that are most worth having are going to be the ones that are the toughest to get hold of. [Read more →]
January 15, 2015 Comments Off
This is something I have thought about a couple of times, but it did not seem all that practical until recently. I am curious as to how possible it would be for me to retire a couple of years early. Of course the big thing would be whether or not I would have enough money and switching to a private health insurance plan. So I am looking at 2014 medicare advantage plans and wondering how good an approximation that will be to the price it is going to be in about six to nine years. [Read more →]
November 22, 2014 Comments Off
It should be obvious that it is no coincidence that some of the world’s most rich people are involved in the stock market. Investing money is a great way to make profit, especially if you do it the right way. Of course, in the old days this may have simply meant being smart and thinking trades through, but now it has a lot to do with tools and technology. The bottom line is that while overall the system has become way more complicated, tools like Instaforex make it easier to make a trade than ever.
Of course this has its benefits and its downsides at the same time, starting with the obvious fact that it makes it so almost anyone can get involved with stock trading. This means that you do not have to have a huge investment portfolio or spend tons of time on it, but can instead just jump in and try to play the game. [Read more →]
October 19, 2014 Comments Off
It can be pretty hard to live in a world and society that is largely based around the distribution of money. The news and media have been reporting more and more on the wealthy elite and their way of life, but most of us live in a far different reality. This reality contains many restrictions about what people can do or how they live, often based around the limitations of their finances. Of course in some cases it is possible to overcome these restrictions and make things happen, but financial constraints are often best handled by using a moneylender.
The idea is that while a person’s salary may make it possible to afford something after saving, it is sometimes necessary to get a little help to buy it sooner. This is especially common with large purchases like automobiles or homes, where the time it takes to pay it off can last for years. Rather than having to wait for years to buy a car, a loan upfront can make it possible to own right away. Of course this leaves the owner on the hook to continue making payments over time, but in many cases this is the much better option.
Ultimately it is a personal decision, as loans can be a little scary in some cases. It requires a lot of discipline to ensure that the payments can be made regularly and on time, otherwise things like repossession or other consequences will come into play. It is also important to carefully research and consider all of the terms before accepting a loan, since nobody wants to get caught off guard about the money they owe or how they have to pay it. Going into this situation with a smart outlook on setting up will be worth it in the long run, as loans are not something to take lightly.
October 3, 2014 Comments Off
Doing the math on this loan and trying to figure out if the risk is low enough and the reward is high enough. That is the name of the game after all. You go to any licensed money lender and sit down at the desk, they are looking at you in this sort of cold hard calculus and you have to be making the same machinations in your own head. In most cases if you get a good fair rate on a loan you are not going to be paying a high interest rate. That is based in the theory that you are not daft enough to do a business deal on one of those extraorbitant credit card type rates. I think once I was sitting at this guy’s house. He opened up one of those credit card offers and told me what the rate was on it. I immediately offered to lend him money for a good deal less interest rate. I mean these rates are not even moral they are so high above what the bank will charge any person with decent credit.
Of course you would love to lend money to people at over twenty percent interest. That is like stealing. If you lend some guy a thousand dollars and you plan on him paying you back twelve hundred bucks, that pretty much makes you the thing right below a loan shark. Of course a loan shark is going to have a guy who starts hurting the customer who is slow paying back that interest. They call it the vig or vigorish I believe. At any rate it is not in this equation. I am thinking that I can borrow money for a fraction of that and get a return twice as high as the rate I pay.
October 3, 2014 Comments Off