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General Article

3 Signs that your CPA is not just working for you – Few red-flags to be aware of

There are lots of articles written on how the financial planners get paid and how you can avert paying extra fees with the help of accountants. But there is not much written on the CPAs and how they help you with your business finances.  Philip Stein and Associates in Israel, an organization which has got some of the best CPAs in Israel is of the opinion that the clients should make sure that their CPA is working in their favor. What is the way in which you may know that you’re being perfectly represented and that you’re not wasting your dollars?

The services of a CPA might be costly enough but in most cases, they’re worth the money. But how are you supposed to know that you are working with the best CPA? Here are few red flags to watch out for.

#1: When they are actually not a CPA

When you seek help of a certified public accountant, he should own a degree in finance management, accounting and then go through a series of exams on attesting, auditing, business concepts and environment. There are practice requirements too where a CPA needs to practice under a senior CPA for few years. This helps them in gaining better expertise.

#2: When they’re not engaging in strategic planning

You shouldn’t be surprised in case you owe the IRS when your tax return should have been completed. Your CPA should have talked about it to you through the entire year. The CPA should engage in strategic planning and not just fill out forms for tax return. The CPA should offer you advice on monitoring investments, harvesting your losses and monitoring things. If he isn’t doing these, you’re with the wrong person.

#3: They are doubly charging you

You can’t deny the fact that CPAs are doing business and they’re earning a living. Whenever they find new ways of adding to their stream of income, they will definitely consider them. But if you find your CPA looking for ways to charge you again even after he has charged you once, this is a warning that you’re working with the wrong person. Make sure you watch how they’re getting paid. Are they receiving a commission for sale of finance products?

So, before hiring a CPA, make sure you’re aware of all the red flags so that you can immediately recognize someone who doesn’t have your best interests in mind.

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Business Owner

What We Know About The Business Of Digital Journalism

Last 12 months received Finest Working Setting at the Business Insider awards and this 12 months we’ve been quick-listed for the 2017 Training & Growth Award!! In October 2016, Business Insider started Markets Insider, a globally-centered markets information and news service. Information is supplied by Germany-primarily based finance portal , another Axel Springer holding. In January 2017, Business Insider announced that it will be launching a new sub-saharan web site in partnership with Ringier Africa Digital Publishing.\n\nSenior Editor Jim Edwards’ previous position was Managing Editor at Adweek. Text is on the market underneath the Inventive Commons Attribution-ShareAlike License ; extra terms could apply. By utilizing this web site, you conform to the Terms of Use and Privacy Policy Wikipedia® is a registered trademark of the Wikimedia Foundation, Inc.\n\nBusiness Insider’s Will Wei and Graham Flanagan drove a Tesla Model X across the United States. To get from San Francisco to New York City in just seven days by relying completely on Tesla’s nationwide network of Supercharger stations. Business Insider is the fastest growing business news web site in the US. Our mission: to let you know all you have to know in regards to the massive world around you.\n\nThe BI Video staff focuses on expertise, strategy and science with an emphasis on unique storytelling and information that appeals to the following technology of leaders – the digital technology. Business Insider UK is the biggest business news web site for British readers and viewers in the UK. Our mission: to let you know all you have to know in regards to the massive world around you.\n\nTertunda Permintaan mengikuti yang tertunda dari @businessinsider. Batal Batalkan permintaan mengikuti @businessinsider. Melihat Tweet tidak akan membuka blokir @businessinsider. We drove a brand-new Tesla Model X from San Francisco to New York — here is what happened /Nn6bSt0S1x.…

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Business Website

Business Ideas, Inspiration And Success Suggestions For African Entrepreneurs

Every little thing you have to start growing a second income from residence at present! In case you have data or experience in internet design, you possibly can provide your companies to purchasers and build your individual business as an online designer. Starting a food service business may be pretty involved for a beginner. Likewise, you possibly can build up a consumer base and provide makeup companies for events, photoshoots or special occasions.\n\nAutomobile washing or detailing companies don’t at all times must involve plenty of sophisticated tools or business acumen. You possibly can set up a simple location where you provide companies to prospects or you possibly can even travel to purchasers along with your detailing supplies.\n\nSo you possibly can create your individual designs and sell them online or even order a supply of them to sell on your own. In case you have expertise in a given subject, even when you’ve never had your individual business in that niche, you can start a business by offering public speaking companies at events or conferences.\n\nFor individuals who have plenty of experience in physical fitness , you possibly can build up a consumer base and start working as a personal trainer out of a home health club or even connect with a industrial health club. In case you have any design experience, you possibly can work on attracting your individual purchasers who need things like brand or branding design components.\n\nWhen you’re in a position to build up your individual online network or audience related to a particular subject, you can start working with completely different brands as an affiliate and earn a portion of each sale you send their means. You can even start your individual podcast and sell advertising house or work with brands to earn an income from your show.…

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Money Archives

If you’re attempting to have a low-price, do-it-yourself divorce, it could seem cheap to simply break up up the retirement property and each go your separate ways. Cities and nations as we know them would not exist without it. It is tough to overstate the importance of forex in fashionable life. In this article, we’ll have a look at the history of forex, from the earliest coins all the way in which t­ Internet banking.\n\nWe’ll also focus on the development of forex in the United States, as well as the economics involved in setting change rates and controlling inflation. Before using margin, prospects must determine whether this sort of trading strategy is correct for them given their specific investment goals, experience, threat tolerance, and financial scenario.\n\nFor more data please see our Margin Disclosure Statement, Margin Agreement and FINRA Investor Data These disclosures comprise data on our lending policies, interest expenses, and the risks associated with margin accounts. Traders should contemplate the investment goals and unique threat profile of Change Traded Funds (ETFs) fastidiously before investing.\n\nLeveraged and Inverse ETFs will not be suitable for all traders and will enhance exposure to volatility by way of the usage of leverage, quick sales of securities, derivatives and other advanced investment strategies. These features may be generated by portfolio rebalancing or the need to meet diversification requirements.\n\nThe data supplied just isn’t warranted as to completeness or accuracy and is subject to alter without notice. You possibly can set up fee alerts to keep observe of fixing change rates, so you never miss your likelihood to reap the benefits of a fantastic fee. Change rates change day by day but if you see a fee you like you possibly can lock it for up to 30 days, providing you with more control of your money.…

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Business Insider

Small Business And Corporate News

In a surprising capitulation to Nick Xenophon, the Coalition agrees to provide Australian businesses an advantage in competing for taxpayer-funded initiatives in a deal that clears the way in which for the ABCC laws to cross. Two high Indian-American executives had been at present arrested in the US for allegedly misrepresenting their company’s finances to inflate its stock value. India’s GDP accelerated to 7.3 per cent in the September quarter, pushed mainly by farm output, although the momentum may be hit in the coming months owing to demonetisation.\n\nThe notice also mentioned the airline’s board of directors can modify the remuneration payable to Singh. Just click on the icons to get to the download page. MANILA – Globe Telecom and Twitter mentioned Thursday they are collaborating on livestream advertising for two exclusive applications of the National Basketball Association (NBA).\n\nMANILA – The Social Security System (SSS) mentioned Thursday it released P7.2 billion in 13th month pensions for pensioners. The bill for Christmas dinners in Britain is generally unchanged from last 12 months, consultants mentioned, although the higher value of imported raisins will hike the cost of Christmas puddings by 21 p.c.\n\nSome 300,000 prospects of Maynilad Water on Quezon City will experience a two-day-long service interruption next week to provide approach to repair works, the water utility mentioned Thursday. Tobacco large Philip Morris is aiming to stop selling standard cigarettes and exchange them with a less harmful product, its chief govt mentioned Wednesday.\n\nShare prices opened larger on on Thursday, joining a world rally, after oil exporting international locations’ determination to cut output boosted petroleum stocks. The US economic system continues to broaden nationwide with only slight upward value pressures despite stories of tightening labor markets and higher wages, the Federal Reserve’s Beige Guide survey mentioned Wednesday.…

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General Article

Eligibility for Buying Ulip

ULIP or Unit Linked Insurance Plan was introduced back in 1971 and has been one of the most sought-after insurance plans in the country. It is a unique combination of a life insurance plan and an investment scheme. At the time of maturity, you will get the entire lump sum without any tax deductions. If anything happens to you before the duration of the plan is completed, your family will get the entire sum insured amount.

If you’re planning on purchasing a ULIP this year, you will get the following benefits:

a) Lock-in period

With a ULIP, you will follow a disciplined savings mechanism wherein you will have to invest a fixed amount every year for a period of minimum 5 years. This is a lock-in period and you cannot withdraw the money in this duration. This way, on the maturity of the insurance plan you will have a lump sum that can be used for a specific goal

b) Free-look period

This is a feature that is not available in most investment schemes. You get a free look period of 15 days with most ULIP plans. If you are unhappy with the plan or its terms and conditions, you can cancel it and your insurance premium will be reimbursed minus as deductions.

How to Check Eligibility for Ulip Online?

These days you can easily check the eligibility criteria for ULIP online on the insurance company’s website. There are three factors that help you determine if you’re eligible for a ULIP. These are:

a) Entry age criteria

The entry age varies from one plan to another and one insurance company to another. You should be of the minimum entry age of a particular ULIP in order to be eligible to purchase it.

b) Exit Age criteria

The exit age criteria are also different for each plan and vary from one insurance company to another. If your age is beyond the maximum exit age of ULIP plan then you are not eligible to purchase the plan.

c) Payment Rules

Each plan will have its payment structure. Before purchasing the ULIP, you will have to submit a few documents based on which the insurance company will decide if you will be able to adhere to the payment structure of the plan.

Documents Needed For Buying Ulip

You need to submit a set of documents at the time of purchasing a ULIP. These documents will help the insurance company verify your details against their eligibility criteria and approve the ULIP. The set of documents you need to submit are:

i) Income documents

These documents help the insurance company to assess the cover that should be provided to you. In most cases, an individual gets a cover close to 20 times of his/her annual income. This figure will vary from one insurance company to another. The necessary income documents are:

  1. a) Income tax returns of 2-3 years.
  2. b) Salary slips of previous 3 months.
  3. c) Bank statements of last 6 months with salary entries.
  4. d) Form 16 of the previous financial year.
  5. e) For businessmen and businesswomen, CA certificate is necessary.

ii) Address Proof

Providing address details is common practice for any major transaction. Similarly, you will have to submit your address details to purchase a ULIP. The standard address proof documents are:

  1. a) Credit card statement for last 3 months.
  2. b) Bank Statement for last 6 months.
  3. c) Passbook entries for last 6 months.
  4. d) Leave & License agreement.
  5. e) Driving License.
  6. f) Passport.
  7. g) Aadhar Card.
  8. h) Ration Card.
  9. i) Voter ID Card.
  10. j) Latest Electricity bill.
  11. k) Latest Telephone bill.
  12. l) Latest Water bill.
  13. m) Latest Gas bill.

iii) Identity Proof

It is also necessary to submit identity proof documents when you’re applying for ULIP. The accepted identity proof documents are:

  1. a) Passport
  2. b) Aadhar Card
  3. c) Voter ID Card
  4. d) PAN Card

iv) Age Proof

Since age is a major factor when applying for a ULIP, you need to submit valid documents to declare your age. The accepted documents are:

  1. a) PAN Card
  2. b) Aadhar Card
  3. c) Marriage Certificate
  4. d) Passport
  5. e) Voter ID Card
  6. f) Ration Card
  7. g) Birth Certificate
  8. h) School or College leaving certificate
  9. i) Driving License

Get ULIP Online Easily

Due to the advancement of technology and the subsequent benefits it has provided us, you need not visit an insurance company’s office to get more information about a ULIP in 2018. You can easily find all the information you need online on the company’s website or on third party websites. It is imperative that you thoroughly compare the different ULIP in India before purchasing one. You can easily do this on and purchase the plan in a hassle-free manner.…

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Online Business

6 Residence Businesses You Can Start With No Money

Chapter 1 What to Sell in 2017: Tips on how to Find a Product Niche and Start Selling Online. Just about any home-based business with a web site can profit by inserting affiliate adverts on their sites, but there are also many who pursue affiliate internet marketing as a full-time Internet business in and of itself. Essentially the most successful affiliate marketers either use a funnel system or a blog (or both) to promote their affiliate products.\n\nEven before Amazon made publishing and selling books easier and more inexpensive, many online entrepreneurs had been creating and selling ebooks and other data products online. The other possibility is to create an e book or other informative product (courses, videos and so forth) and sell it by way of your individual website.\n\nYou possibly can even create an affiliate program to build a sales staff to put it up for sale on their websites. More than just driving site visitors to a web site as internet advertising consultants do, social media managers help businesses create a neighborhood around their product or service, manage the brand image, provide customer service , and more.\n\nThe Virtual Assistant (VA) trade continues to grow as more an more entrepreneurs and small business turn to outsourcing to avoid wasting money while still getting things accomplished. Virtual assistants can give attention to a particular responsibility, corresponding to bookkeeping or website management.\n\nBut in case you have bother, the freelance sites could be a good source to jump start your corporation. At present, selling goods and companies online is easier. When you don’t wish to be limited to these options, create your individual storefront , which is way easier now that website hosting companies provide plug-and-play applications for purchasing carts and order taking.…