Cheap Domain Registration and $ Web Hosting #register #cheap #domain #names, #domain


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Accounts Receivable Archives #doubtful #accounts


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Accounts Receivable

Internal controls for accounts receivable are used to reduce the risk of fraud and error in the accounts receivable process. The purpose of the accounts receivable internal control checklist is to ensure that valid sales invoices are properly recorded and that customers pay promptly.

Internal Control Procedures for Accounts Receivable January 20th, 2017 Team

The accounts receivable control account is an account in the general ledger which maintains summary postings relating to accounts receivables. The account, which is sometimes referred to as the sales ledger control account, is used to allow the detail of customer transactions to be kept in a separate subsidiary personal account ledger which is not part of the double entry bookkeeping system.

Accounts Receivable Control Account December 7th, 2016 Team

A business has a balance due from a customer on its accounts receivable ledger, but also owes the customers business an amount on its accounts payable ledger for goods supplied. A contra entry is used to offset the two amounts, leaving a net amount outstanding to the customer.

Contra Entry Journal November 6th, 2016 Team

The chain discount calculator works out a products net price after applying multiple trade discounts to its list price. This free Excel calculator also provides a summary showing the original price, total discount, and net price, together with a calculation of the single equivalent rate (SED).

Chain Discount Calculator November 6th, 2016 Team

Chain discounts are sometimes called multiple discounts, and refer to a of discounts which are applied to an original selling price (list price) to arrive at a net sales price. The discounts are applied in sequence and are calculated using the series discount formula.

Chain Discounts in Accounting November 6th, 2016 Team

The allowance for uncollectible accounts method is used to estimate the bad debt expense required to reflect uncollectible accounts receivable at the end of an accounting period. The method complies with the matching principle and for this reason is preferred over the direct write off method.

Allowance Method November 6th, 2016 Team

The direct write-off method of accounting for uncollectible accounts is used to remove specific uncollectible amounts from the accounts receivable balance when they are identified. This debt write off method does not comply with the matching principle and can only be used for immaterial amounts.

Direct Write-off Method November 6th, 2016 Team

This free Excel cost of trade credit calculator can be used to calculate the annualized cost of offering early payment discounts to customers or alternatively of not taking early payment discounts from suppliers.

Cost of Trade Credit Calculator November 6th, 2016 Team

As a trade discount is deducted before any exchange takes place with the customer, it does not form part of the accounting transaction, and is not entered into the accounting records of the business.

Trade Discount November 6th, 2016 Team

A business had previously written off a bad debt of 2,000 using the allowance method for bad debts, but has now managed to make a bad debt recovery and has received 900 in part payment of the account.

Bad Debt Recovery Allowance Method November 6th, 2016 Team

A business uses the allowance method when accounting for bad debt, and has decided that a debt from a customer of 2,000 is not recoverable and needs to be recorded as a bad debt.

Allowance Method For Bad Debt November 6th, 2016 Team

A customer has been invoiced a total of 5,000 for goods and the business has decided that there is doubt as to whether the customer can pay in full. They have decided to adjust the allowance for doubtful accounts provision by 500 in respect of the accounts receivable balance of 5,000.

Allowance for Doubtful Accounts November 6th, 2016 Team

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POD Bank Accounts #bank #accounts #usa


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POD Bank Accounts

Payable-on-death (POD) bank accounts can be marvelous estate planning tools. For a cost of exactly nothing, you can add POD beneficiaries to your bank accounts and CDs. A POD payee inherits whatever money is in the account at your death and doesn’t have to go through probate to claimit–all that’s required is showing up at the bank with a death certificate and identification.

How do I set up payable-on-death accounts for my bank accounts? If I establish pay-on-death for my accounts and I die, can the person I have designated on the account get access to my money right away, or is the money frozen?

If I fill out a beneficiary form for my stock, IRA, or bank account (to avoid probate), should I name the beneficiaries in my will, too? Or will that only muddy the waters? Also, does naming beneficiaries for these accounts help with the overall estate taxes if they are not listed in the will?

Payable-on-death bank accounts offer an easy ways to keep money—even large sums of it—out of probate. All you need to do is properly notify your bank of whom you want to inherit the money in the account or certificate of deposit. The bank and the beneficiary you name will do the rest, bypassing probate

Banks, savings and loans, and credit unions all offer payable-on-death accounts. They don t charge any extra fees for keeping your money this way. You can add a payable-on-death designation to any kind of new or existing account: checking, savings, or certificate of deposit. Setting up a payable-on-death

POD accounts, which let you name someone to inherit the funds in a bank account at your death–without probate–can be very useful for couples who have joint bank accounts. Accounts With a Right of Survivorship Most joint bank accounts come with what s called the right of survivorship, meaning that

If you re doing some estate planning and speak with someone at a bank about how to avoid probate for an account you have there, you may hear the term Totten trust.

Talk to a Probate attorney.


Which Is Best: 529 College Savings Plan or Roth Ira? #best #roth


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Which is best: 529 college savings plan or Roth IRA?

It�s safe to assume that many families have added college planning to their list of financial resolutions for 2015. The average cost of sending a child to a four-year public university is over $75,000 today, which means if you have a young child you can expect to pay over $150,000 when their time comes. If you have more than one child or choose a private school, your total college costs could easily end up totaling more than the price of your home.

So what�s the best way to save? This is America after all, so of course you have a variety of options. A mutual fund can have attractive growth potential, but you�ll likely end up paying a hefty tax bill. That�s why many people turn to tax-advantaged investment vehicles like Roth IRAs and 529 college savings plans.

How the tax benefits work:

In a Roth IRA, the principal portion (the amount you put in) can be withdrawn tax-free and penalty-free at any time for any purpose. Earnings in the account grow tax-free and can be withdrawn tax-free and penalty-free only after you reach retirement age. A key benefit of Roth IRAs is that distributions are not taxed as earnings until the entire principal balance is withdrawn. That means you can take out as much as you put in tax-free to pay for college and withdraw the earnings portion tax-free when you turn 59 1/2.

529 College Savings Plan

In a 529 plan, the principal portion can also always be withdrawn tax-free and penalty-free. The earnings portion, however, must be spent toward qualified higher education expenses. Any leftover funds withdrawn after you are done paying for college will incur income tax and a 10% penalty.

Many 529 plans also offer state tax credits or deductions on contributions for residents who invest in their home state�s plan.

Income and Contribution Limits:

Married couples filing jointly with a Modified Adjusted Gross Income (MAGI) of $183,000 or less ($116,000 or less for individuals) can contribute the maximum amount of $5,500 to a Roth IRA for 2015. Couples with an MAGI greater than $193,000 ($131,000 for individuals) are ineligible for a Roth IRA. If you are over 50 you may also be able to make a catch up contribution of $1,000 per individual.

529 College Savings Plan

Individuals of all income levels can enjoy the benefits of a 529 account. What�s more, there are generally no annual contribution limits and deposits up to $14,000 ($28,000 for married couples filing jointly) will qualify for the annual gift tax exclusion. If you�re looking to reduce your gift tax exposure through gifting, you can elect to make a contribution between $14,000 and $70,000 as made over five years. This is a common estate planning strategy for grandparents who want to ensure their legacy is being put to good use.

529 plans do have lifetime contribution limits that vary by state, ranging from $235,000 to over $400,000.

Effect on Federal Financial Aid:

Retirement accounts are not considered assets on the Free Application for Federal Student Aid (FAFSA), which means the value of your Roth IRA won�t hurt your chances for financial aid eligibility.

However, when you take out money from your Roth to pay for college it will be counted as untaxed income on the FAFSA.

529 College Savings Plan

The value of a 529 college savings plan, whether it is parent- or student-owned, is considered a parental asset on the FAFSA. When determining the EFC, it is assumed that only 5.64 percent of a parent�s assets will be used to pay for college expenses. This is much lower than accounts that are considered the student�s assets, which are assessed at 20 percent. Lower EFC means more financial aid.

Withdrawals from parent- or student-owned 529 accounts are excluded from federal income tax return and do not have to be added back to base-year income on the following year�s FAFSA. Keep in mind that this favorable treatment does not apply to 529 plans owned by grandparents or other relatives.

It�s safe to assume that many families have added college planning to their list of financial resolutions for 2015. The average cost of sending a child to a four-year public university is over $75,000 today, which means if you have a young child you can expect to pay over $150,000 when their time comes. If you have more than one child or choose a private school, your total college costs could easily end up totaling more than the price of your home.

So what�s the best way to save? This is America after all, so of course you have a variety of options. A mutual fund can have attractive growth potential, but you�ll likely end up paying a hefty tax bill. That�s why many people turn to tax-advantaged investment vehicles like Roth IRAs and 529 college savings plans.

How the tax benefits work:

In a Roth IRA, the principal portion (the amount you put in) can be withdrawn tax-free and penalty-free at any time for any purpose. Earnings in the account grow tax-free and can be withdrawn tax-free and penalty-free only after you reach retirement age. A key benefit of Roth IRAs is that distributions are not taxed as earnings until the entire principal balance is withdrawn. That means you can take out as much as you put in tax-free to pay for college and withdraw the earnings portion tax-free when you turn 59 1/2.

529 College Savings Plan

In a 529 plan, the principal portion can also always be withdrawn tax-free and penalty-free. The earnings portion, however, must be spent toward qualified higher education expenses. Any leftover funds withdrawn after you are done paying for college will incur income tax and a 10% penalty.

Many 529 plans also offer state tax credits or deductions on contributions for residents who invest in their home state�s plan.

Income and Contribution Limits:

Married couples filing jointly with a Modified Adjusted Gross Income (MAGI) of $183,000 or less ($116,000 or less for individuals) can contribute the maximum amount of $5,500 to a Roth IRA for 2015. Couples with an MAGI greater than $193,000 ($131,000 for individuals) are ineligible for a Roth IRA. If you are over 50 you may also be able to make a catch up contribution of $1,000 per individual.

529 College Savings Plan

Individuals of all income levels can enjoy the benefits of a 529 account. What�s more, there are generally no annual contribution limits and deposits up to $14,000 ($28,000 for married couples filing jointly) will qualify for the annual gift tax exclusion. If you�re looking to reduce your gift tax exposure through gifting, you can elect to make a contribution between $14,000 and $70,000 as made over five years. This is a common estate planning strategy for grandparents who want to ensure their legacy is being put to good use.

529 plans do have lifetime contribution limits that vary by state, ranging from $235,000 to over $400,000.

Effect on Federal Financial Aid:

Retirement accounts are not considered assets on the Free Application for Federal Student Aid (FAFSA), which means the value of your Roth IRA won�t hurt your chances for financial aid eligibility.

However, when you take out money from your Roth to pay for college it will be counted as untaxed income on the FAFSA.

529 College Savings Plan

The value of a 529 college savings plan, whether it is parent- or student-owned, is considered a parental asset on the FAFSA. When determining the EFC, it is assumed that only 5.64 percent of a parent�s assets will be used to pay for college expenses. This is much lower than accounts that are considered the student�s assets, which are assessed at 20 percent. Lower EFC means more financial aid.

Withdrawals from parent- or student-owned 529 accounts are excluded from federal income tax return and do not have to be added back to base-year income on the following year�s FAFSA. Keep in mind that this favorable treatment does not apply to 529 plans owned by grandparents or other relatives.


Best Accounts Payable Software #accounts #program


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Top Accounts Payable Software Products

Tipalti provides the world s only end-to-end Accounts Payable Automation solution, eliminating 80% of the workload spent managing the entire global supplier payment operations. Tipalti s holistic cloud system includes supplier on-boarding, tax compliance, invoice processing (including OCR), payment method and currency selection, cross border remittance, supplier payment status communications, payment reconciliation, ERP integration, and tax filing preparation reporting. View Profile

Tipalti provides the only end-to-end Accounts Payable Automation solution, streamlining the entire global supplier payments operation. View Profile

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by Precoro

Spend management solution designed to help companies control their spendings and generate savings. Precoro lets you conveniently split purchases between different departments or locations so you can adjust entries before the end of your accounting period and make payments with confidence. View Profile

Get more visibility into company spending. Ensure everything is in order before money leaves the bank. View Profile

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by Araize

Easily tailored to how you run your fiscal department with multi-level cost centers, object codes and sub-accounts. View Profile

Easily tailored to how you run your fiscal department with multi-level cost centers, object codes and sub-accounts. View Profile

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by SlickPie

Free online accounting software for small businesses. Send invoices, collect payments, track expenses, get bank feeds, more. No spam. View Profile

Free online accounting software for small businesses. Send invoices, collect payments, track expenses, get bank feeds, more. No spam. View Profile

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by Micronetics

Client Write-up along with complete integrated accounting including AR, AP, inventory, GL, payroll, PO, OE and other modules. View Profile

Client Write-up along with complete integrated accounting including AR, AP, inventory, GL, payroll, PO, OE and other modules. View Profile

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by Go Daddy Online Bookkeeping

Simple online bookkeeping for small businesses; track income, deduct expenses, prepare taxes, automate invoices and receipts. View Profile

Simple online bookkeeping for small businesses; track income, deduct expenses, prepare taxes, automate invoices and receipts. View Profile


Up to % p #high #interest #rate #savings #accounts


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SAVINGS ACCOUNTS Compare and save with high interest rates

How to achieve your savings goals and buy that pony

  • Savings Account

    How to teach your kids the value of money

  • Welcome to RateCity s Savings Account section.

    Whether you want to open an online savings account or a childrens savings account, RateCity allows you to search, compare and apply from over 500 savings accounts. To start searching, fill in the form at the top of the page or you can choose from one of our popular direct searches at the base of this page.

    What should you consider when choosing a savings account? Vital facts and considerations can be found in our Savings Account Guide. It takes you through a range of useful information and tips on choosing the right savings account and how to get the most out of your deposit. Also available is our Savings Accounts Articles which guide you through a range of definitions regarding savings accounts so you can understand the differences between a high interest account and an online savings account.

    If you re not ready to purchase, and instead would rather spend more time researching then head to our Savings Account News section for advice and breaking information regarding savings accounts. Get started now.

    Savings Accounts Guide

    RateCity s Savings Accounts Guide provides you with tips and useful information to assist you with your decision when opening up a savings account. Whether you have a savings goal that you want to reach or if you want to earn more interest than you are currently, we provide the most up-to-date information to help you get there. See our hints and tips for all you need to know about the savings accounts and what you need to be aware of. RateCity will show you how to choose the best savings account to suit your needs and assist you in reaching your goals.

    Share This

    This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. The rating shown is only one factor to take into account when considering these products. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.


    Learn Invoice Factoring For Business #accounts #receivable #funding, #invoice #factoring, #factoring #company,


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    Learn Invoice Factoring

    Accounts receivable funding provides financing alternatives for businesses. Learn invoice factoring to expand or start a company with helpful articles and how-to ebooks.

    We have assembled our hottest selling informational resources all in money-saving bundles. You can also find these items available individually with detailed descriptions in the Bookstore.

    Bundle One: Introduction to Factoring

    The Introduction to Factoring Bundle includes two of our best sellers, the 2017 Directory of Factoring Companies and How I Run My One Person Business. You get both for the special discounted price of $34.96.

    Bundle Two: The Factoring Essentials

    The Factoring Essentials Bundle is where most people start. You get an amazing overview of the factoring industry with real world content you can use today! Receive the entire set of nine best-selling factoring books (including the 2017 Directory of Factoring Companies) for the low price of $97.00.

    The Factoring Essentials Bundle includes: 2017 Directory of Factoring Companies, How I Run My One Person Business, Factoring Case Studies, Factoring: Sell Your Invoices Today Get Cash Tomorrow, Factoring Wisdom, Fundamentals for Factors, How I Run My Virtual Office, How To Run a Small Factoring Business, and Marketing Methods For Small Factors Brokers You get the entire package of ebooks in a PDF Download for only $97.00.

    Bundle Three: The Complete Factoring Toolkit

    The Complete Factoring Toolkit is where the rubber meets the road. It is designed for those individuals looking to start a factoring business, gain insider knowledge, and have a strong marketing presence fast.

    Not only do you receive the entire Factoring Essentials Bundle, you also get the Factoring Top 10 series AND your very own turn-key Factoring Website complete with the content and online forms to get your factoring business started!

    The Complete Factoring Toolkit includes: The Factoring Essentials Bundle, Directory of Factoring Companies, and the Factoring Top 10 Series for a total of 16 ebooks PLUS your very own Factoring Website for only $397.00.

    You can find more information on the websites at FactoringWebsites.com including your theme choices and live demos. This turn-key website alone sells for $347 and is included with one year of free hosting in this incredible package.

    This package is a MUST for anyone serious about presenting a professional image (and wanting to save some $$$ in the process)!

    At the end of the day

    you need quality information from someone that knows the industry inside and out.

    We believe we have put together one of the easiest ways for you to get up to speed on the factoring industry. Use the information to stat a new factoring business, sell your own invoices, or even bring your current business to the next level!

    All of our products have a 30-day, full money-back guarantee. No BS. You don t even owe us an explanation.

    If for some reason you don t feel the product lives up to the reviews, simply email us and let us know we will make it right!

    We can offer that because we know the product is that good!

    We look forward to working with you and thanks for stopping by!


    School Transport Audited Accounts – Bus – ireann – View Ireland Bus


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    Adult

    All passengers over the age of 15 who are not eligible for a discounted fare must purchase an Adult Ticket.

    Child

    Child tickets are valid for children under the age of 16. One child under the age of 4 will be carried free if accompanied by and in the charge of a fare-paying passenger, provided that the child does not occupy a seat to the exclusion of another passenger. Where doubt exists as to the eligibility of a child for a reduced fare, it is the responsibility of the passenger claiming the child fare to produce evidence of age.

    Children under 12 years of age will NOT be carried, unless accompanied by a responsible person over the age of 16, on the following categories of Bus ireann services: All Expressway services – as detailed in Expressway timetable booklet or Non-Expressway services where the intended journey of the child passenger exceeds 50 kilometres.

    Student

    Student Tickets are issued at discounted fares on production of current International Student Identity Card (ISIC), or a valid Student Identity Card issued by a recognised third-level college in the Republic of Ireland, but otherwise have the same conditions of validity as ordinary Return Tickets. The full list of colleges whose Student Identity Cards will be recognised by Bus ireann for entitlement to student fares is given in “Your Journey/Student Travel” area of website.

    Ticket Type

    Return Tickets are valid for one outward journey on date of departure and for one return journey based on the ticket type selected.

    Single tickets are valid for one single journey on date of issue as shown by fare paid and\or other details on the ticket.

    10 Journey Tickets Valid for ten journeys for a period of seven consecutive days inclusive of date of issue and including Sundays, for journey selected only. For example a Weekly Ticket issued on Tuesday is valid up to and including the following Monday.

    Family Return Tickets are issued to family groups consisting of one or two adults and up to a maximum of three children under sixteen years of age.

    Sorry

    School Transport Audited Accounts


    Free, Downloadable Accounts Receivable Aging Report – Excel Format #aged #accounts #receivable


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    Instructions and Explanations on How to Replace Inputs

    The Date (A1) – This will serve as the reference point for the Past Due Days column. Modify the date in cell B1 by using the numeric mm/dd/yyyy format: 11/07/2010

    Account Number Column (A) – Simply index this column with the company’s control number for past due accounts receivable. This is important for maintaining the traceability of data against other accounting records, i.e. accounting entry tickets or vouchers, sales invoices, et al.

    Invoice Number Column (B) – Input your invoice number — it is not necessary for the numbers to appear in proper numerical sequence, since not all accounts receivable are being aged. Nevertheless, this information is important to allow for audit trace-back purposes.

    The Due Date Column (C) – The information in this column will be used to format the cells in column D to generate the maturity dates for each account.

    The Maturity or Due Date Column (D) — In our example, the due date is automatically generated using the 30-day credit term; hence this cell will reflect the account’s maturity date, accordingly.

    To modify the template according to your own credit terms, refer to the formula bar and then change the term that is added to the cell reference number. To illustrate, let’s say you’re moving from cell D4 to D5 but the term for this account is 15 days instead of 30: Modify C5+30 appearing on the formula bar to C5+15. The cell will automatically return with the corresponding maturity date for a 15-day credit term and will likewise automatically input the number of Past Due Days in column E accordingly.

    The Past Due Days Column (E) – The input in this cell is automatically generated by the functions of the cells in column D. As mentioned earlier, the D column automatically computes the number of days the account has been past due, based on the corresponding due dates generated under the Due Date column (D) and as of the report date you indicated in column B.

    Amount Due – Place the corresponding principal amount or balance of the receivable under this column.

    Past Due Days Column (1-30/ 31-60/ 61-90/ 91-120/ 151-180/ and Over 181) – Extend the amount due under the applicable column according to the number of Past Due Days generated under column E.

    Totals – Totals can be generated through the auto sum function, by highlighting all cells from G4 to G12 extending through N4 to N12.

    Once you have customized the formula values for the D columns, you can simply change the report date every time a new report is prepared and the number of past due days will be readily available.

    To further appreciate the significance and uses of the accounts receivable aging report in Excel formats, it may interest the readers to view another Bright Hub article entitled: Accounts Receivable Aging: Understanding its Mechanics .


    Singapore Time Deposit Interest Rates #deposits, #accounts, #apply, #singapore, #singaporean, #international, #comparison,


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    Singapore Dollar Deposit Rates

    * The Premier-exclusive rates set out in the table above shall apply only to account(s) which are subject to the terms and conditions governing the use of HSBC Premier Account Package.

    First-of-Month TMD only commences on the first business day of the subsequent month (“Start Date”) following receipt by the Bank of the duly completed instructions to place funds for First-of-Month Time Deposit and will mature on the first business day 3 months later.

    1. Interest rates are calculated on a daily basis and credited on a monthly basis.

    2. Rates are subject to change without notice at any time. You may wish to check the latest rates on our website at www.hsbc.com.sg

    3. Applicable to S$ PowerVantage, S$ HSBC Premier Account, S$Passbook and Savings Account: Interest rates are tiered and published rates for respective tiers are applicable to the deposit value specified in each tier. The effective interest rate will vary depending on the amount deposited.

    4. All conversion, foreign exchange rates and deposit rates used or provided are indicative only and subject to change by the Bank at any time (including intra day changes) without notice.

    5. Data, information, news and computation tools are provided for informational purposes only, and are not intended for trading purposes. The Bank shall not be liable for any errors or delays in the content or computation, or for any actions taken in reliance on the same.

    6. Please note that the Foreign Currency Time Deposit rates for USD and GBP are quoted for value on the same working day. All the other currencies are quoted for value on the next working day. All the other currencies are quoted for value on the next working day.

    Deposit Insurance Scheme
    Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


    Invoice Factoring -an advance on money due to you from a business


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    Invoice Factoring

    Its what your looking for

    What is factoring:

    Invoice factoring is essentially an advance on money / cash due to a business, by means of the sale of the invoices to a bridging company. This is not a loan against invoices but an outright sale of selected invoices ( one or many ) or the full debtors book, to a bridging finance company, but with recourse to the seller of the full invoice value.

    Why use single invoice factoring or selective invoice discounting

    This is a very simple and reasonably quick method (within 2 weeks of receipt of all documents) used by businesses to improve cash flow or working capital as and when needed. There is no lock in period and no penalty for early settlement. You elect to bridge one or a few invoices not the entire debtors book.


    Costs Once

    Once off set up fee of approx 3 % to 5 % depending on the size of the invoice bridging required. Monthly cost of between 4,5 % and 6 %

    Pre-Conditions to Discount Invoices:
    The goods /services must have been delivered / rendered and the customer must have accepted the goods / services with no pending disputes. The company requesting the bridging should be profitable and have a clean credit record.

    We use this Mass eMailing system.
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    Term deposits Vs savings accounts What s best for you? #savings #accounts,


    #

    Term deposits Vs savings accounts: What’s best for you?

    Where should one stash their cash: savings accounts or term deposits?Andrea Sophocleous investigates.

    September 7, 2009

    Saving hasn t always been fashionable. Before the global financial crisis began taking its toll on years of economic prosperity and consumer hedonism, excessive spending was a national in fact, global pastime.

    Australia may have escaped the full grunt of the GFC, but the new mood of thrifty restraint appears to be hanging around a little longer. This is the perfect environment in which to begin saving for that next rainy day or home loan deposit. And with interest rates set to rise further, so could your savings.

    Higher interest rates won t just increase your mortgage repayments ; on the plus side, they could also increase the interest you earn on your high interest savings account .

    Savings accounts differ from day-to-day transactional accounts by being designed to help you save for a long-term goal. While you can access your everyday account for all your spending needs using debit cards, ATMs or the internet, any money you deposit in a savings account remains out of everyday reach and accrues interest on the growing balance.

    You can make withdrawals whenever you like, but this would make a dent in the amount of interest you are paid. A more prudent option, therefore, is to make regular fortnightly or monthly deposits but no withdrawals.

    A high interest savings account, however, is not your only option if you want to get serious about saving. If you are easily tempted into spending rather than saving, a term deposit may be a more suitable path for you to take.

    Like savings accounts, term deposits are a low-risk, convenient way to earn higher interest on your money, but because you cannot withdraw any money during the life of your term deposit, your cash will remain safely tucked away, growing at a healthy rate.

    Term deposits require a minimum opening balance usually at least $5,000 and can last anywhere from 30 days to five years. The rate is fixed for the duration of the term deposit, so you know exactly how much money you will end up with.

    If you already have a few thousand dollars saved, a term deposit is a smart choice because you will start earning a decent amount of money in interest straight away. And if you won t need access to the money too soon, opting for a longer term makes more sense because depending on the term, you could score a higher interest rate.

    For example, a 30-day term deposit with ING Direct will see you pocket interest at 3.25 percent p.a. while a two-year term deposit will deliver a more profitable 6.00 percent p.a. interest. So $10,000 will earn $26.71 in interest in 30 days, while after two years your nest egg will be up by $1,200.

    As with all financial decisions, shop around for the term deposit that suits your needs. And ensure you won t need the money before your term expires otherwise you will have to wear the cost in hefty fees. If you are starting from scratch, a high interest savings account is a better option because most do not require a minimum opening balance.

    The ING Direct Savings Maximiser account will dish out 4.75 percent p.a to new customers who signs up before November 30. This special introductory rate will last until 31 January 2010. Other generous high interest savings accounts include UBank s USaver account, which offers 5.11 percent p.a interest, and Westpac s Reward Saver with a 4.70 percent p.a rate.

    There are hundreds of savings accounts to choose from, so researching and comparing interest rates and terms and conditions is essential.

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