Tuesday, October 13, 2009

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Debt Settlement is Not Right For You in Certain Situations

Debt Settlement is Not Right For You in Certain Situations   by Jeslyn Jessy


in Accounting



0
votes
vote
Debt Settlement involves negotiating lower interest rates or reduced outstanding balances on the debts so that the debtors can get out of debt faster. However, this financial solution sometimes may not be the right option.
Let's see the following scenarios where it is not right for you to apply this particular solution.

When you don't have a dependable source of funds to apply for settlements.
Bear in mind that once your creditors and you have agreed to the settlement arrangement, you will be required to pay the amount agreed within a time frame. If you have doubts about your ability to look for the fund needed, you are advised to consider other option.

When you need to settle your debts less than 24 months
In general, the whole debt settlement process takes about 2 years. For some people who are in debt, there is urgency for them to solve the debts faster. The longer they drag, the higher the risk they face. Their creditors would take them to court for legal proceeding. Under this circumstance, filling for bankruptcy is in fact a better choice.

When you are currently having an immediate financial need
Before settling your debt, you have to evaluate your financial position as well as your needs. You must take care of your immediate financial need, if any. For instance, it is a need for you to purchase a transport in order to execute your work. Will you still use all your available cash for settlement? Purchasing transport should be your priority. Hence, never consider debt settlement when you have other more important financial commitment.
If you fall under any of the above mentioned category, you are advised to change your mind and look for other way out.

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Can Google "detect" Blog Rolls and/or paid links?









Can Google detect where your link is placed on a page? For example, can G detect a blog roll section and then maybe penalize your link juice?



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Preparing to Purchase an Accounts Package

Preparing to Purchase an Accounts Package   by Alex Angelus


in Accounting



1
vote
vote
OK, you've decided that you need accounting software, now what? Unfortunately, accounting applications cannot simply be picked off-the-shelf because even these software can be bought as a stripped down version or purchased with accompanying modules and add-ons.
Shopping for accounting software requires a delicate balance of judgment the basis of which is one thing - your business. And so we come to our first step, documenting or analyzing your accounting business processes. Start with what documentation you may have regarding your accounting activities and meet with your accounting department to discuss areas that need to be improved to:

(1) cut overhead expenses,
(2) streamline accounting processes and
(3) improve data or report generation efficiency.
If you have a big organization, it may be necessary to assign this task to somebody or even to more than one person. Do not be overwhelmed by this effort. Remember that if your accounting processes are NOT documented then there is also no means by which you can control or check the accuracy of information going out
of your accounting department.
Once you have documented or come up with a rough process flow of your accounting procedures, evaluate if this existing setup really does meet your business
requirements. Should you retain that process flow exactly as it is? Or do you see items that need improvement? Can you automate or buy accounting software for just a part of your accounting procedures? If so, are the costs worth it? Or is it better to completely overhaul the system and replace it completely with an automated one? Again, do the costs justify it?
Once you have identified your business accounting needs based on the best possible process flow (as opposed to simply following existing procedures), then you can start your online shopping for accounting software.
You can do two things. One, you can search for accounting software with features that come close to your needs and send them a formal request for quotes. You can also ask them to visit you so they can conduct an onsite demo. Two, you can sign up for an accounting software comparison search where you fill out a questionnaire identifying your needs and then the site will get back to you with a list of software providers offering products that match your needs. Of course, you can also ask providers on this list to come over and do a product demo.
Always remember that when purchasing accounting software, you should not just buy one based on the 'now' but also on scenarios that can happen in the future. As such, ask about after-sales support, online support, training and product updates.

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Low Cost Accounting Services in Melbourne

Low Cost Accounting Services in Melbourne    by Chris Garner


in Accounting



0
votes
vote
If you are someone who has just started working or works for a small to medium sized business, there are some important things you should know in regards to accounting services. As is often the case, smaller businesses usually only employ a core staff of individuals who are all engaged in doing the same work, namely that of creating the unique service or product offered by the company. What this means is that oftentimes individuals within the company end up performing additional roles they are not completely comfortable with. The end result of this is a situation where there is the potential for harm to the company as well as the overworked employee.
This is especially true in the case of maintaining the company accounts, as this is something that requires a lot of time, knowledge and effort. Most small businesses think that engaging in this sort of practise is necessary in order to cut costs and remain competitive. However, this does not necessarily have to be the case. There are many low-cost accounting services that can be used in the larger Melbourne area. Using one of these firms for your organisation's accounting needs will not place a large strain on your resources and will ensure that the job is done correctly.
KPI Bookkeeping is a Melbourne-based firm that can help you significantly reduce your bookkeeping costs. The staff at KPI Bookkeeping are all qualified accountants and have the experience to help you with all of your bookkeeping needs. For more information, please visit the company website at http://kpibookkeeping.com.au/.

Things One Has To Look For Before Choosing An Account Receivable Factoring Firm

Things One Has To Look For Before Choosing An Account Receivable Factoring Firm   by wmhaven1


in Accounting



0
votes
vote
Account receivable factoring firm provides great service to companies by reducing their tension in the cash flow. But at the same time there are many fake firms available in the market and hence before choosing an account receivable factoring firm everyone has to look for certain things and should ask certain questions to know about the firm. There are five things which everyone has to consider before getting into an account receivable factoring firm.
First one is that the firm you are choosing has to be familiar with your industry because then only it is easier for them and also for you to deal with them. Else it is merely waste of time as you have to explain all the conditions, payment methods and procedures of your company to them. Next thing one has to look for is the flexibility level they offer to their clients and they should answer all the questions in a proper manner. The questions which the business owner should ask are,
<!--[if !supportLists]--><span style="font-family: Symbol;"><span>· </span></span><!--[endif]-->Is there any need of personal guarantee for any unpaid invoices?
<!--[if !supportLists]--><span style="font-family: Symbol;"><span>· </span></span><!--[endif]-->Is the relationship valid for limited period of time?
<!--[if !supportLists]--><span style="font-family: Symbol;"><span>· </span></span><!--[endif]-->Should I sell all of my invoices?
Like this many questions they should ask to the representatives of the firm.
The third one is the customer service a best account receiving firm is the one which provides great customer service. Because, if they didn't provide good customer service then their firm lacks quality and also check who are providing services. The fourth thing one should look is the stability of the firm because only if they are stable then you could get uninterrupted flow of cash to continue your business. In case if they are not stable the tension increases and you cannot survive in your business. Hence before choosing a firm makes sure to check whether they are affiliated to International Factoring Association (IFA). Finally you have to check with the pricing of the factoring firm depending on the invoices. If all these are good then choose the same firm for account receiving factoring else look for any other firm which satisfy all the needs.

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5 Leadership Techniques for Challenging Times

5 Leadership Techniques for Challenging Times   by swati ahuja


in Accounting



0
votes
vote
We consistently face new and ever growing challenges in the workplace such as reorganizing, downsizing, and "left out sizing." We are faced with the question, "How do we lead in this storm of change?" It may seem difficult at times and the decisions we make define our short-term and long-term outcomes. I will share with you five leadership techniques guaranteed to keep you on track during these difficult times.
1 Integrity.
I put this first because the lack of integrity will make or break you as a professional, as a leader, as a person in the long run. The lack of this will turn yesterday's heroes in today's villains. For example, "MCI was the apple of the business community's eye. High revenues, high profits, and high growth; MCI was beating the competition hands down.
Then it was discovered that there were gross accounting irregularities that accounted for the astounding profits. You see, management made a decision, "Do I continue to sustain good growth and be able to look at myself in the mirror or do I cook the accounting books and spend the rest of my time covering up this integrity deficiency? The real shame of the MCI situation was that AT&T, Sprint, and others in the industry had to cut costs and lay off thousands of employees to compete with MCI's false numbers. The lack of integrity at MCI not only affected the company but also the livelihood of thousands and the industry as a whole.
I was recently speaking with a recently retired City Council member who is well respected in the community. I asked her what the secret was to her success while on the council? She mentioned that one of her political adversaries said to her, "While you were on the council, I didn't like the way you voted, but I respected the way you voted because you were consistent with your votes and had the city's best interest in mind."
Ask yourself what decisions that you make are right for the long term? Be consistent in your actions, whether it is with management, your team, or your family.
2. Knowledge.
With change happening faster and faster every moment, it is extremely important that you gain the knowledge to master these changes. You owe it not only to yourself, but to your team and management. As I always say, "It's not having the right answer, it's that you have the right answer faster than before." Many times during my teambuilding programs a student will say, "I didn't know where to find the answer." Then I will say, "That is an unacceptable answer." Because part of being a leader is acquiring the skills to find the right answers. With the Internet, classroom and online training, mentors, etc., the knowledge is at your fingertips.
Challenge your team members to use the same resources to acquire the knowledge to master their challenges. By acquiring this knowledge, you will be able to navigate your team through the ocean of change and achieve your goals.
3. Decisiveness.
You have seen them. They wait for information, then more information before making a decision. Then they need more information to support the information they already have.Then they need a committee to analyze the information. Then they wait for the perfect time to make the decision.
Well, you know what I mean. Anyone you know? Make the decision! Good things happen when you take action; you grow, you adapt, and your team grows. There is no perfect time to make a decision. Leaders make decisions based on past experience, putting into action the decision, and staying and adapting the decision if needed. But make the decision. The worst quality you can show your team is indecision. What do you think your team sees when you can't make a decision? Make the decision and go for it.
4. Vision.
This is the ability not only to see what is the present - anyone can do that - it's the ability to see the future. Outstanding leaders can not only see their team for what they can do now, but what they can become, and paint the picture for them. These leaders are consistently communicating and coaching their team members to that vision. One of the best ways, and least used methods, to convey your vision is the team meeting.
Every meeting should start out with the team vision, mission, and goals; and the rest of the meeting should tie into the vision. For example, the motivation portion of the meeting should tie into the vision, the information portion of the meeting should tie into the vision, the training portion of the meeting should tie into the vision, etc. Also, invest time to develop your team members' personal visions and show them how they can accomplish their personal goals by tying into the overall vision. By consistently communicating the vision, your team will move with purpose, feel they are personally making a difference, and achieve their goals sooner.
5. Unselfishness
Stephen Covey, in his successful book Seven Habits of Highly Effective People, wrote that a true leader must be a servant to the ones he or she leads. The leader must be able to "give of oneself for the good of the team." In other words, be unselfish in words and action. Be unselfish in praise of others, in public, especially in front of management.
Be unselfish in the ability to take time to listen, really listen to your team's concerns. A recent management survey said that the average time management invests doing "pure listening" to employees during the year is a mere two hours- just two hours! What was meant by "pure listening" time was listening with eye contact, acknowledgement, and not answering the phone while listening, not speaking with another person while listening, etc. Be unselfish in the ability to help your team. Whether it's the ability to readily assist with a difficult telephone call, jump in and remove road blocks for team members, or "be there" for a team member during challenging moments. Believe me, your team will remember those moments and excel for you.
Now I challenge you to put into action just one of the leadership techniques I mentioned above to achieve your vision, your mission, and your goals in the future.

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Recruiters: -A Good Challenges of Executive headhunters...

Recruiters: -A Good Challenges of Executive headhunters...   by sameer


in Accounting



0
votes
vote
Once upon a time, head hunters were no more than common cannibals. Some people still view them that way, but executive recruiters are a vital link in a chain that keeps major enterprises functioning well.
The top positions at any organization dictate the fortunes of the company, the shareholders and the employees ... and often the communities in which they are located. A good executive head hunter can ensure that new company executives have the skills required for the position and the challenges ahead. He can also ensure that the right executive is chosen, one whose style will flourish in the specific environment of that company.
However, modern executive recruiters face challenges to be effective. I caught up with Esther Barzel, co-owner of the Online Recruiter Directory (http://www.bookstoretoday.com).
Q: What are the main challenges of executive head hunters in today's business climate?
A: To start with, the geographic net has become much wider. A head hunter in , say, New York City or Toronto, can no longer rely on finding the right candidate right in town. In fact, the ideal candidate might be just minutes away by Internet, but he might be located in another country or even on another continent. We are looking at a new breed of executive recruiter.
Q: The Internet should make his job easier, right?
A: Yes...and no. He has to post requirements in more places and sift through more potential candidates to find the jewel he seeks. So his workload has actually increased.
Q: Plus, I presume, he still faces the challenges of yesteryear?
A: That's right. He still has to make contact with potential candidates, conduct preliminary interviews, set up meetings with the company, attend to minute details, brief the interviewer, etc.
Q: What about follow-up?
A: Yes, there is, of course, follow-up required after every interview, both with the client and with the prospect. It's a busy job.
Q: So how does the Internet make life easier for an executive recruiter?
A: Now you have online communities and bulletin boards, such as Monster.com, where you can place ads for positions. This makes it somewhat easier to cast one's net. Directories like ours help head hunters attract clients, so they can spend more recruiting and less time on business development.
Q: Don't online bulletin boards and directories just mean the head hunter has to spend more time in more places?
A: Yes and no. Online resources are more easily searched than, say, paper. Our recruiter directory gives employers the chance to search by geography or by vocation, or by the type of position. This means they can find a recruiter that specializes in pharmaceutical sales, or who specializes in accounting, or whatever field. The headhunter spends less time answering questions from people who will never be their clients.
Q: And I assume it works both ways?
A: Yes, the recruiter gets resumes from only those people who are likely candidates for the types of positions he works on. The pharmaceutical recruiter, for example will not get a resume from someone whose background is in aeronautical engineering.
Q: Wow, that's a mouthful. I don't know if I could even repeat that.
A: Many executive recruiters could not repeat it, either. So the Internet is making it easier for them to receive resumes targeted to their field of expertise, saving them time...not to mention overexertion of their tongues.
On that humorous note, we thank Esther for taking the time to explain how the Internet is making life both more complex and easier for executive recruiters and head hunters.