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Finance

Southbourne Tax Group Review: Hur man undviker att drabbas av mer skulder

Posted by penningbeal16 on September 03, 2017
Finance / Comments Off

Till att börja med vill Southbourne momsgrupp du ska komma ihåg detta specifika citat av Colin Wright, ”skulden är både ankare och vånda. Det väger oss och gör allvar smärtsam ”. Detta kan vara ett bra komplement till din beslutsamhet på att inte lägga till några fler skulder.

Southbourne laget började sin forskning i ämnet genom att ha bra samtal med några finansiella coacher att veta sin egen förklaring att komma ur skuld och deras förslag på personer. Var och en av dessa experter har bra egenskaper och är pålitlig på sitt område. Överraskande, några av dem nått redan finansiella rock botten, dock deras ändrade finansiella livsstil och engagemang ger tillbaka sin privatekonomi på rätt spår.

De finansiella tränarna sa till Southbourne gruppen att de vill inspirera människor och hjälpa dem att komma ur skuld genom att dela sina egna berättelser och finansiella kamper. Uppräknade i följande omfattar sammanfattningen av lagets fick data från sin egen forskning och deras diskussion med dessa experter.

Mycket ansvara

Alltid ha kontroll över din privatekonomi att slippa skulder. Om du för närvarande har en bra ekonomisk situation och har inga skulder då det är bra, men inte ignorera det faktum att ”saker inte går som planerat ibland”. Du kanske inte vet det men du faller redan hårt på din ekonomi genom att ha någon kontroll på dina utgifter. Ange en budget och följ den med alla medel med en stark disciplinerad mentalitet.

Livet förändras kan fånga du off-guard där du inte är redo att anpassa sig till dessa ändringar. Till exempel, blev din partner att förlora sitt jobb eller din heltidsarbete ett deltidsarbete. Med sådana ändringar, måste du ändra din finansiella livsstil samt. Inte vara en sorglös spender och fortfarande använder dina pengar som du gjorde innan sådana händelser.

Om du för närvarande har stora finansiella problem, inte ge efter för tanken på att betala din gamla skulder med nya eftersom det endast är en cykel som har inget slut. Inte faller hårt på din ekonomi och ansvara för varje cent som du spenderar.

Söka att ekonomisk frihet

Din definition av ekonomisk frihet kan skilja sig från andra, men för att uttrycka det enkelt, Scott Young sade att det handlar om ”tjäna tillräckligt med pengar och bygga den mental disciplinen för att förhindra att pengar styr du”.

Gör du inte själv tror på falska ursäkter som du har chansen att vinna lotteriet och sedan kan du betala alla dina skulder. Att bli instängd i din ekonomi kräver en starkare beslutsamhet att komma ut. Bli inte förtvivlad men istället hitta ett sätt att lösa ditt problem och tror att det finns alltid en lösning som väntar på dig.

Southbourne skatt grupp föreslår att varje läsare att du bör planera och sätta upp en budget för att övervaka dina utgifter och ordentligt ta kontroll över din privatekonomi.

Glöm inte ditt känsloliv

Gör inte pengar centrum för allt. Faktiskt, du behöver för att komma bort från skulder genom att arbeta hårt och att få mer inkomster, men på samma gång, glöm inte du måste bilda kamratskap med andra och skapa mer underbara minnen med din familj eftersom dessa saker gör du känna sig levande.

Säga ”nej” till tanken att fler skulder

Du är här eftersom du ville komma bort från skulder, inte att göra ursäkter att lägga till mer. Bygga en starkare och disciplinerad tänkesätt så att du kan alltid säga ”nej” till skulder sedan finns det alltid frestande möjlighet att ådra sig mer skulder.

För att avsluta denna artikel, kommer att Southbourne grupp lämna detta citat av Benjamin Franklin till dig som en påminnelse om att lägga mer till dina skulder inte är en bra sak, och så står det: ”hellre gå till sängs utan middag än att stiga i skuld”.

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Southbourne Tax Group Review: Miten estää oman henkilökohtaisen rahoituksen huonompi

Posted by penningbeal16 on August 11, 2017
Finance / Comments Off

“Personal Finance on noin 80 prosenttia käyttäytymistä. Se on vain noin 20 prosenttia pään tietoa “. Lopussa päivän, sinun henkilökohtainen taloudellinen elämä riippuu todella siitä, Miten hoidat rahasi. On erittäin tärkeää olla hallinnassa ja järjestettävä omalla rahalla, koska olet yksi vastuussa jokaisesta sentin ansaitset ja kuluttaa. Ja sinä olet se, joka joutuu kohtaamaan seura ukset omista teoistaan kohti rahojasi.

Käsittely sinun taloudellinen elämä olisi myös ymmärrystä perusasiat sekä tärkeitä näkö kohtia henkilökohtaisen rahoituksen. Kouluttaa itseäsi tällaisessa asiassa on tärkeä osa kehittää hyvää taloudellista elämää. Southbourne Tax Group ei halua oman rahoituksen pahentua. Kun seuraavat neuvot, tiimi odottaa sinua oppia joitakin tärkeitä elementtejä ja käyttää niitä välttämään huonoa taloudellista elämää. He keräsivät erilaisia neuvoja ja vinkkejä eri tutkimus, lisäsi joitakin taloudellisia viisautta muutaman asiantuntijoita.

Aloita ASAP

Tuntuu siltä, että olet kiireellä, mutta se ei ole asia, Southbourne Tax Group haluaa vain sinun harkita alkaa rakentaa oman henkilökohtaisen rahoituksen tänään. Kun olet vielä nuori, sinun pitäisi oppia henkilökohtaisen rahoituksen ja alkaa säästää rahaa samoin. Niille vanhemmille luet tätä, tietää, että opetus lapsesi noin perusasiat varainhoidon hallinta voi auttaa heitä paremmin käsittelemään omaa rahaa nyt ja kun he saivat vanhemmat. Näin voit oppia joitakin uusia asioita liian samalla annat lapsesi tarvittavat taloudelliset ohjeet.

Nuorille lukijoille, ymmärtää, että ottaa hyvä henkilökohtainen rahoittaa ikäsi voisi johtaa parempaan taloudelliseen elämään myöhemmin. Avaa tili ja Säästä rahaa. Itse ostaa erittäin kalliita asioita voi tyydyttää sinua jonkin aikaa, mutta se on paljon parempi olla yltäkylläinen säästö tili kuin omistavat ylellisiä asioita, jotka lopulta kulunut pois tai saada joitakin vahinkoja. Laita mieleen, että “tutkimukset osoittavat, että ihmiset, jotka oppivat säästämään varhaiseen elämään yleensä tehdä älykkäämpiä taloudellisia päätöksiä myöhemmin”.

Ymmärtää yksityiskohtia oman palkkani

Tietämättä muita yksityiskohtia mukana teidän palkka voi jättää sinut järkytys, kun saat sen, koska joidenkin määrä katoaa ilman sinua edes menoja niitä. Ymmärtämään paremmin kansallisten vakuutus maksut, eläke-osuus sekä opinto lainan maksut ja vero lain.

Vital asiat ensin

Se on osa on vastuussa yksilön Varmista, että olet tyydyttää kaikki perustarpeet, ruokaa, vettä ja vaatteita suojaan. Varmista, että olet ajan tasalla maksamalla talosi vuokraa, laskut, elin tarvikkeet ja verot.

Pidä hyvä tulo-ja meno-ennätys

Jos sinulla on tällä hetkellä tietue, jatka sen päivittämistä ja varmista, että järjestät kaikki yksityiskohdat oikein. Tee yksi, jos sinulla ei vielä ole mitään taloudellista kirjaa. Sinun täytyy varmistaa, että tulot ja menot ovat tasa painossa. Älä unohda seurata oman asettaa budjetin samoin.

“Säästä rahaa ja rahaa säästää”

Kasvava säästö tili pitäisi olla osa elämää. Ja osa siitä on saada ne parhaat tarjoukset samoin. Löydät parhaat tarjoukset helposti tutkimalla vertailu sivustoja. Tee jonkin aikaa tehdä oman tutkimuksen.

Aseta tavoite

Aseta tavoite, jonka avulla haluat hypätä sängystä aamulla. Kuva itse saavuttaa tämän tavoitteen joka päivä, kun teet parhaansa työsi, Plus Haasta itsesi joka päivä tehdä paremmin ja olla parempi. “Säästä rahaa, koska olet menossa on kaksi kertaa niin paljon rahaa vanhuus kuin luulet.”

Onko sinulla vielä viipyvä kysymyksiä mielessäsi? Älä pelkää ääni ne pois, Southbourne Tax Group on aina valmis kuun Tele maan ja antaa ratkaisuja oman taloudellisen predicaments, varsinkin kun se tulee veroja.

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The Southbourne Tax Group: Tips on having an efficient tax appointment

Posted by penningbeal16 on February 23, 2017
Finance, Tax / Comments Off

ST. LOUIS, MO (KTVI)–Sandy Furuya with Wamhoff Financial Planning and Accounting provides tips to help you be ready for your tax appointment and make it a productive, stress-free experience.

What should I bring?

• As a general rule of thumb, it’s always best to bring too much than not enough. So if in doubt, bring it with you! This list includes:

1. Tax forms you`ve received from employers, vendors, or government authorities: w-2s, 1099s

2. Statements from your brokerage and investment accounts (many of these 1099s do not arrive until February or later, and many are not final)

3. Receipts and supporting materials for business-related expenses

4. Forms or receipts related to moving, childcare, education, medical expenses, home mortgage, etc.

5. Social security card for any new dependents

6. Mileage logs

7. Home office deductions

8. Any changes that will affect the future year

9. Any notices you`ve received from the government, including your IP pin if you`ve had identity theft

10. Voided check for direct deposit of your refund. This year, your tax professional must verify this information and sign off on it.

• If you’re working with a new tax firm, you can call ahead and discuss what they need. You’ll typically be asked to bring the prior two year’s returns and potentially other items.

Other things to know and do:

• Make a list ahead of time with questions you have for your tax professional. This helps to ensure a productive meeting, and helps you receive the most comprehensive tax advice.

• Many tax professionals have an organizer they can provide which will assist you in gathering your information. Ask for it and use it!

• Be aware that the IRS will be delaying refunds this year until mid-February for people claiming the earned income tax credit, additional child tax credit, or the american opportunity tax credit. In addition, your tax preparer will be required to complete a due diligence checklist form 8867 as required by the path act.

• There are new id and refund fraud safeguards put in place by the IRS and states which will cause additional review of tax returns.

• After filing, you can use ‘where`s my refund’ tool at IRS.gov, or the IRS2go mobile app to check on the status of your federal refund.

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The Southbourne Tax Group: Tips to maximize your tax refund

Posted by penningbeal16 on February 17, 2017
Finance / Comments Off

The 2017 tax season began this month and local tax accountant, Jennifer Eubanks with Mcneel CPA is offering some tips for people who haven’t filed for their refund yet.

“A lot of people that are self-employed don’t look at taking the self-employed health insurance,” says Eubanks, “With health insurance being so high you can take a deduction.”

Another deduction Eubanks says people often miss out is their health savings account where you put money into the account but only use it to foot medical bills.

“You also get to take a deduction on your tax return for putting money into a health savings account,” says Eubanks. “It’s kind of like a retirement account except it is for medical expenses.”

Meaning just like a 401k, the more you put in the less taxable income you have, increasing your refund.

Another tip is for parents that have kids in college, American opportunity tax credit is available.

“Anything that relates to school like books, tuition,” says Eubanks. “Any kind of qualifying expenses for that, they can take that deduction so they need keep up with all the expenses they have while they’re in school.”

Eubanks says the IRS is cracking down on fraud this year delaying the release of earned income credit and additional child tax credit until mid Feb.

“Claiming children that are not supposed to be on their tax return so the IRS is looking into more of those earned income credit trying to eliminate a lot of fraud,” says Eubanks.

When filing your taxes Eubanks says to keep all your receipts and expenses organized to make the filing process easier.

Employers have until Jan. 31 to send W-2 forms and tax returns have to be filed by April 18.

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The Southbourne Tax Group: 3 Tips to Avoid Charity Tax Deduction Scams

Posted by penningbeal16 on February 14, 2017
Finance / Comments Off

 

Groups and individuals pretending to be charitable organizations are especially active around tax season, as they try to attract donations from Americans looking for a tax deduction. Unfortunately, its one of the “Dirty Dozen” Tax Scams for the 2017 filing season, according to the IRS.

“Fake charities set up by scam artists to steal your money or personal information are a recurring problem,” said IRS Commissioner John Koskinen. “Taxpayers should take the time to research organizations before giving their hard-earned money.”

Compiled annually, the “Dirty Dozen” lists a variety of common scams that taxpayers may encounter anytime, but many of these schemes peak during filing season as people prepare their returns or hire someone to prepare their taxes.

Perpetrators of illegal scams can face significant penalties and interest and possible criminal prosecution. IRS Criminal Investigation works closely with the Department of Justice to shut down scams and prosecute the criminals behind them.

The IRS offers these basic tips to taxpayers making charitable donations:

1. Be wary of charities with names that are similar to familiar or nationally known organizations. Some phony charities use names or websites that sound or look like those of respected, legitimate organizations. IRS.gov has a search feature, Exempt Organizations Select Check, which allows people to find legitimate, qualified charities to which donations may be tax-deductible. Legitimate charities will provide their Employer Identification Numbers (EIN), if requested, which can be used to verify their legitimacy through EO Select Check. It is advisable to double check using a charity’s EIN.

2. Don’t give out personal financial information, such as Social Security numbers or passwords, to anyone who solicits a contribution. Scam artists may use this information to steal identities and money from victims. Donors often use credit cards to make donations. Be cautious when disclosing credit card numbers. Confirm that those soliciting a donation are calling from a legitimate charity.

3. Don’t give or send cash. For security and tax record purposes, contribute by check or credit card or another way that provides documentation of the gift.

Impersonation of Charitable Organizations

Another long-standing type of abuse or fraud involves scams that occur in the wake of significant natural disasters.

Following major disasters, it’s common for scam artists to impersonate charities to get money or private information from well-intentioned taxpayers. Scam artists can use a variety of tactics. Some scammers operating bogus charities may contact people by telephone or email to solicit money or financial information. They may even directly contact disaster victims and claim to be working for or on behalf of the IRS to help the victims file casualty loss claims and get tax refunds.

Fraudsters may attempt to get personal financial information or Social Security numbers that can be used to steal the victims’ identities or financial resources. Bogus websites may solicit funds for disaster victims.

To help disaster victims, the IRS encourages taxpayers to donate to recognized charities. Disaster victims can call the IRS toll-free disaster assistance telephone number (866-562-5227). Phone assistors will answer questions about tax relief or disaster-related tax issues.

Find legitimate and qualified charities with the Select Check search tool on IRS.gov. (EINs are frequently called federal tax identification numbers, which is the same as an EIN).

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The Southbourne Tax Group: 10 Essential Tips for Preventing Corporate Fraud

Posted by penningbeal16 on January 27, 2017
Finance / Comments Off

Small businesses are often targets of fraud. According to the American Institute of Certified Public Accountants (AICPA), small and midsize companies suffer a greater share of fraud losses than do larger companies.

Fraud Prevention Program

Experts estimate that companies lose five to six per cent of their annual revenue to fraud, so a comprehensive fraud prevention program is essential. This consists of three things:

• education

• investigation

• proactive prevention

Employees are the most likely to report misdeeds, so you want to give them the knowledge to help the company as an integral part of your fraud prevention program. And while fraud prevention efforts are designed to stop employee fraud, investigations of suspected fraud should deter other employees from committing fraud.

The bulk of your company’s fraud prevention efforts should be focused on the creation and implementation of proactive preventive techniques, including internal controls, policies, and procedures that are specifically designed to prevent fraud.

10 Ways to Prevent Fraud

One of the best ways to develop policies and procedures that are effective in prevention corporate fraud is with the assistance of an experienced anti-fraud professional who has investigated hundreds of frauds to develop the most relevant and most effective anti-fraud controls including:

• Establish clear and easy to understand standards from the top down. Have an employee manual that clearly outlines these standards and keeps the rules from becoming arbitrary.

• Always check references and perform background checks that include employment, credit, licensing and criminal history for all new hires.

• Secure physical assets, access to data, and money at all levels including monitoring and using pre-numbered checks, keep checks locked up, have a “voided check” procedure and never sign blank checks. Review all disbursements regularly.

• Segregation of duties of employees. Divide activities so one employee doesn’t have too much control over an area or duty. Separate important accounting and account payable functions. Small-business owners and managers should review every payroll check personally. The person who has custody of the checks should never have check signing authority. The person opening the mail should not record the receivables and reconcile the accounts.

• Proper authorization of transactions, ensuring that employees aren’t exceeding their authority.

• Independent checks on performance, using audits, surprise check-ups, inventory counts, or other procedures to verify compliance with policies and procedures, as well as accuracy.

• Instill an anonymous reporting mechanism, such as an employee fraud hotline.

• Small-business owners should control who first receives the bank statements and other sensitive documents. Consider a separate post office box for the purpose of receiving bank statements, customer receipts or any other sensitive documents.

• All account reconciliations and general ledger balances should have an independent review by a person outside the responsibility area such as an outside accountant. This allows for reviews, better ensuring nothing is amiss and providing a deterrent for fraudulent activities.

• Conduct annual audits to motivate all bookkeeping-related staff to keep things honest because they can never be sure what questions an auditor is going to ask or what documents an auditor may request to review.

While no company, even with the strongest internal controls, is completely protected from fraud, strengthening internal control policies, processes and procedures will go a long way towards making your company a less attractive target to both internal and external criminals.

 

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The Southbourne Tax Group: How to Spot a Financial Accounting Fraud

Posted by penningbeal16 on January 23, 2017
Finance / Comments Off

Here are some signs of a possible dishonest employee:

1. Never wants to take a vacation.

There’s a reason, and it’s not workaholism. Bookkeepers behaving badly like to be in a position to intercept phone calls and correspondence. And as for the boss rifling through their desk to find something when they’re out of the office — that would be unbearable, of course!

2. Always has more work to do than can possibly get finished during normal working hours

So much, in fact, that they have to stay after everyone else goes home. Or, if you’ll let them, they like to take the work home. This might not be the loyalty you expect: unsupervised work lets the bookkeeper tamper with records with less chance of discovery.

3. A tattletale. Likes to point out incompetence of other employees.

Pointing fingers at others puts an alibi in place, should you discover something amiss. Dan doesn’t collect all his accounts. The deposit seemed too small? (It’s Dan). Sharon hangs around the office when she doesn’t belong there. There is postage missing? (Could be Sharon) Linda is disorganized. Why is this letter misfiled? (Linda is sloppy) Maybe the bookkeeper deposited some of Dan’s deposit in her own account, and also purloined the postage. Linda’s letter might be misfiled because the bookkeeper didn’t want an auditor to see it.

4. Volunteers to take care of details that should be handled by the principals — helping by picking up signature cards when you open a new bank account, for example.

The more details the bookkeeper handles, the more opportunity for sticky fingers, and the easier it is to cover things up.

5. Likes to pick up the mail, even if it makes more sense for a lower-level employee to take on that task.

The mail is both tempting and frightening to employees who steal. Checks come in the mail. So do unexpected notices that might tip you off to their theft.

6. Acts like bookkeeping tasks are as difficult as brain surgery, and twice as complex.

I dump any bookkeeper who can’t explain things to me in terms I can understand. That goes double for accountants who respond to my nosy questions by taking offense. –She acts like she doesn’t TRUST me!– Yes. When they guilt trip you, watch your back.

7. Tells little fibs, perhaps unrelated to accounting

Little lies tell big stories about people’s character.

8. Seems to feel that the company owes something; as if he has done more than could be expected of any reasonable person

In fact, most employees who take things really DO believe the company owes it to them. They may start by …well, borrowing… then justify turning it into a theft by deciding you don’t pay them enough.

9. Prints in precise, tidy letters, but can’t seem to find things when you ask; shuffles some things into messy little piles.

Aha! This is a really good tip-off. People’s habits aren’t usually so schizo — they are either consistently messy or compulsively tidy. Accountants, more often than not, fall into the tidy category. If you’ve got one that’s tidy and messy at the same time, start spot-checking everything that looks messy.

10. Volunteers to take the following things off your busy shoulders:

1) Interfacing with auditors 2) personally making the police report if an item turns up missing 3) IRS correspondence.

 

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