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Blame It On The Weather Man

Blame It On The Weather Man


Posted By on Oct 31, 2016

No one likes waking up early and going to work. Slogging through public transport and having to be up at the crack of dawn are just two of the least fun things in the world to do. If you have to get up early and travel a long way to visit the evil place that keeps your wages, then you will be fairly familiar with the ways that you can be scuppered when going to work. With night’s drawing in earlier and the weather becoming colder and more treacherous, going to work becomes more of a guess as to how many hours it takes to travel than it does the usual chore. In most countries like Canada and Russia have provisions in place for heavy snowfall where the UK totally fails. To be fair, those countries are very used to heavy snowfall and wintery conditions and therefore they HAVE to make those provisions. In England, we are seriously ill equipped for strong weather. We have mild, wet summers and mild, wet winters so when we do get a freak snow storm that covers us in the white stuff, everything goes into meltdown mode. The disruption that happens across the country and the transport systems is ridiculous in a way because we have been in the position before that There are some interesting questions that arise when it comes to extreme weather conditions, one of which is whether employees should still be getting paid if they are snowed in and physically unable to travel to work? Or what if a school is closed because of the weather and a parent has to stay at home to provide childcare?

Snow is fun for everyone in the right circumstances but can be an absolute pain when it comes to work. The stress that comes with trying to get into work during impossible conditions can really be difficult to deal with on top of the financial worry that you may have to cope with. Companies such as lawfriend.org can advise you correctly on whether your employer is right to dock pay because of Mother Nature’s wrath! Generally speaking, an employee does not have a legal right to be paid if snow keeps them away from the office, but some employers may have policies and procedures contractually agreed especially when your workplace is based in a hard weather area. There are places in northern cities and in Scotland especially that make a point of being aware of the weather conditions for their employees and that can actually make for a much better, much friendlier employer. This is because making a point of getting to know your employees can be crucial to success. There has been some suggestion that employers should have to pay when non-attendance is not the fault of the employee and that an employer could be challenged in court for withholding payment of wages.

Given the lack of absolute right to be paid, and assuming there is no established procedure in place, an employee is likely to find it very hard to create a watertight legal case that they should still be paid. Of course, employers can always consider alternatives such as letting staff take the time as holiday where possible or create a provision for working from home. Handled well, employers can actually use the opportunity to boost morale. People don’t leave jobs, they leave bosses. The personalities in management are crucial to happy employees and if you are the sort of employer who makes arrangements for snow days and work at home days, then you will end up favourable in the eyes of the staff.

Obviously an employer should make a point of recognising those staff who do manage to come into work in difficult conditions and perhaps putting some kind of bonus in place for this situation is a good idea. If as an employer you would like guidance on how to deal with or plan ahead for staff problems caused by winter weather, or you would like to know as an employee, contacting a solicitor is a good idea.

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If you are buying a van for the very first time, you will need to consider some things first before you will decide. This is an important financialdecision,and you would certainly want to see to it that you are doing it right. Before you decide which unit atwww.discounted-new-cars.comto pick, you certainly want to be sure that you get a good deal out of it.

Start with setting a budget. Before you decide to start shopping around, decide first how much it is that you are comfortable with spending. You need to consider not just the overall costs of the vehicle, but the maintenance costs along with the fuel costs and the insurance as well.

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Take a good look at the details provided at www.discounted-new-cars.comof the units that they are selling as well. Check these websites to get a goodidea of the reliability of the vehicle that you are interested in. Among the things that you should consider would be the resalevalue if the unit, the crash ratings when compared to other similar brands, and the overall safety attributes of the van.

See to it that the vehicle will fit your needs and will suit your lifestyle. Consider the reason why you are getting one in the first place. Many people purchase vans for commercial and businesspurposes. If you are doing the same, then see to it that you have assessed not only the present needs you have for such a vehicle. You have to consider what your future needs are likely going to be as well.

It will be impossible for you to pay for the costs involved out of your own pockets and then get it all paid down in a single setting alone. You will likely need financing. Thisis why you need to get your finances into order. Get a copy of your credit score and start scouting for places that will allow you to secure a loan to purchase the vehicle that you want.

Always take a look at what the other providers are offering. The good thing with buying vehicles these days is that there are some other sellers that you can find around. This means that you can take your time to shop around and to compare their offers. This ensures that you will end up with not only the right unit but one that should be offered to you at the right prices as well. Also, avoid going for the very first unit that you will find. The key is for you to take your time sand to use the competition’s offers as your leverage towards getting a better deal.

Always, always read the fine print. This isespecially true if you are taking advantage of a financing plan as offered by the dealership. Make sure that you understood everything that is statedon the agreement. Ask questions if you need to. Also, make sure that you will protect your investment and secure the necessary insurance before you start driving the van around.

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So you decided to buy your personal car, but you don’t have the money to pay in full because it doesn’t fit into your everyday budget. Why not make a loan to help you get a car? Why not have a PCP deal? PCP stands for Personal Contract Purchase. With a PCP deal, you can pay a deposit and monthly instalments in small amounts. Once you have finally paid full through those monthly deposits, the car is now yours.

Now you’re wondering why PCP deals is a good move. For one, you can budget your money every month. You won’t lose much money when you paid in full in just one day. It’ll be hard for you to keep up with your daily budget right after spending that much. Let’s face it. It’s more efficient and convenient to do things one at a time than doing things in one go.

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PCP deals is a flexible way to finance a new car and get the car you have always wanted. PCP deals can help you take ownership of a car at the end of the term, especially when you want to change or upgrade your car in a few years. PCP can help you save more money, and if the car’s price is a bit out of your budget, you can even get it through PCP.Now you won’t have to feel that your dream car is out of reach because PCP deals can help you achieve your dream car.

If you are now convinced that getting a PCP deal is a good move then what else can you do after you have done that? Why find the right contract with a dealer. www.discounted-new-cars.comis the right place for you to find the right dealer. The dealers there are all trustedand worthy and can provide you with all the right necessity for your car and budget. This is a chance for you to browse through a wide selection of new cars plus discounts. You get to choose the right car you always wanted with the budget you currently have. The dealers at www.discounted-new-cars.com can help you with the contract processing. They will help you understand and explain everything that you need to know, and they will not leave any questions unanswered. They will even create and maintain good relationships with their clients because they guaranteed that you wouldn’t face any problems or any other situations that will make you feel dissatisfied with your deal. Through professionalism and their great ways in assisting clients in getting a PCP deal for their cars, they promise that they will be trusted with the deal through and through because they are that committed to helping you.

Getting a dealer, whom you can trust and rely on is also a good move after deciding on getting a PCP deal because you can’t get a car without someone who will assist you in choosing your car and making that contract.

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Accountancy as a Career


Posted By on Oct 10, 2016

Prior to training to become an accountant, it’s advisable to take the faster route into this career by working towards an AAT qualification. You don’t need to be a mathematical genius in the sense that working out the square root of 15,900 is the primary focus of the day but you do need to know how to balance your money. If spreadsheets and budget management are you think then you could be onto a winner. The ability to pore over numerical data without hurting your eyes is a great start. You also will need to have at least a minimum interest in the law as there’s no use balancing someone else’s budget without being able to do it within the law. You’ve got to decide the type of accountant you want to be, whether that’s public accounting so that includes bookkeepers, tax advisors and forensic accountants who investigate criminal activities such as fraud and embezzlement. This type of work will see you directly working beside an already qualified accountant, assisting them with their administrative duties. The vast majority of accountants will enter the profession through this route, and it’s usually for financial reasons to help toward the cost of training. For businesses and individuals setting up on their own, an accountant will always be needed and that’s where this guide comes in. There are a lot of hoops to jump over before you even get to your actual job.

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There’s a more fundamental reason to benefit from this approach, and that’s the work experience you get. You can only get a real insight into accountancy when you get a glimpse inside what the job really entails. Without seeing it first hand, you could train to become an accountant for all the wrong reasons. Perhaps with high expectations of the salary you’ll be getting, the work only including audits of company files, file them and fill in the end of year tax returns, getting paid highly for your skills. Accountants are invaluable as employees to a company as they are able to lead their clients through a minefield of tax and finances which are ever-changing and with scandals filling up the front pages of the business Times, finding the right accountant is an investment. Speaking to a cpa firm in Dallas TX will stand you in good stead in the long run! Finding a trustworthy individual to manage the accounts can keep business owners out of bankruptcy and even prison. Accountants are paramount to a company and if you choose to go down the study route it isn’t easy but it is worthwhile. Management accountants analyse financial data for companies and are directly involved in the way companies lay out their business plans, providing advice as to whether their ideas are financially sound. Lastly, internal auditing is another route to go down. Ensuring you have some training in different bookkeeping packages will help and you should research these as well as the types of accountant you would like to be first and foremost. Checking longevity of job roles as well as salary packages will also do you some good!

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Closing A Business: A Guide

Closing A Business: A Guide


Posted By on Sep 29, 2016

Dissolving a partnership can be a little bit of a sticky business especially if there is animosity between partners. A partnership is automatically terminated if death or bankruptcy occurs as well as any illegal dealings. If a partnership has to be dissolved then any proceeds from the sale or disposal of any assets should be divided up between the partners as previously agreed. This is after creditors are paid and after any debts are sorted. When all is said and done, sometimes the best thing to do for your business is close it down. This can happen if the business is starting to fail and cannot regain momentum, if directors are retiring and not looking to hand it down and in the best case, closing to restart a bigger, shinier version of this venture.  Profit cannot be shared out if there’s any outstanding liabilities. If there is a shortfall the partners must pay anything outstanding from personal assets which can get expensive.

Unfortunately it’s not as simple as switching off the light and walking away from the company you’ve built. There is a long process involved and it can take some time and failing to close your business properly can have some long term effects. Companies such as www.businessdynamo.co.uk are an accounting and bookkeeping company that can provide advice on the finance side of closing down a business. Closing a business has multiple steps and it varies based on the structure of the business. There are of course general guidelines to follow when closing down your business.

Your company is still active until it is formerly dissolved and all members should vote to close the business. You will need to have your accountant or similarly a company that deals with financials like www.businessdynamo.co.uk send all the creditors for your company a written notice of intent to dissolve and give them a final claims deadline. Take a vote. You and your company directors should you have any should discuss closing a business properly as there may be someone there who wishes to carry it on. Your lawyers will be able to ensure all your loans are secured properly before any unknown creditors dive in to make a claim. As long as all of this has been followed closing your business shouldn’t take too many difficulties. Ensuring you’ve informed all the right people, staff, landlords, creditors, taxman etc you should manage the close with ease.

All your taxes should be paid before you dissolve! Don’t forget to notify HMRC that you are intending to close and pay anything outstanding with them. Your accountant should be able to work with you on this and help you close any outstanding debts. Speaking to companies like www.businessdynamo.co.uk can greatly smooth out the closing of your business. Any staff you have will require a lot of notice as well if it’s possible as you’ll want to make sure that they have a job to go to elsewhere.

Closing your business doesn’t have to be a painful process if everything is done correctly.

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Handy Tips: IRS Tax Debt

Handy Tips: IRS Tax Debt


Posted By on Sep 29, 2016

IRS tax debt is a serious financial issue that should be quickly addressed. An Offer in Compromise is a settlement on your IRS debts so organising this is very important. If you have a tax debt from past years or have already done your taxes for this year and expect to owe money, you can always find a solution. The solution is not to ignore the debt and seeking the right advice from companies such as www.platinumtaxdefenders.com will help you on your way to tax debt freedom. Don’t be ashamed to seek help; that’s exactly what it is there for! Finding the right attorney to help you on your case is part of the whole solution to your tax issues so get dialling today. Although the IRS has only ten years to collect on a tax debt, it has many very powerful tools at its disposal during those ten years and it can really take the stress off of you if you just deal with the debt now and fast than leave it. Possible solutions can include personal loans and savings, arranging instalment agreements to arrange a payment plan for your tax debt and an offer in compromise. If you owe an IRS tax debt, the best solution is to borrow funds or use savings to pay it. Better to pay that in full and repay a loan company or rebuild savings than have a blemish on your credit.

By paying the full balance when it’s due, the amount you owe will be much lower than if you request one of the IRS payment options, which will include penalties and interest. If you borrow against your home to pay the IRS tax debt, the interest you pay may actually be tax deductible. Be careful when considering drawing on a retirement fund to pay the debt as it could very well lead to additional taxes being owed. Check with a professional and the retirement plan administrator whenever you consider taking money from a retirement plan.

If you prepare your taxes before the deadline and realise you will be owing the IRS tax, you can file for an extension of time to pay. Depending on your individual circumstances, the extension can be anywhere from thirty to one hundred and twenty days. Pay as much as you can early to reduce the late-pay penalties and interest owed. Filing an extension will protect you from the late filing penalties which are severe. If you are experiencing financial hardship or other personal hardship like illness or a loss of financial records due to natural disaster speak to a company like www.genesistaxres.com, the IRS may grant a temporary delay of payment of your tax debt. In some cases, penalties may also be waived, but interest usually applies. You must contact the IRS to request the delay and the sooner you do this the sooner you can be helped. There are a lot of ways to get help when you encounter a tax debt and if you act quickly you can get this help sorted out long before any major penalties are handed to you.

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IRS Tax Debt Guide

IRS Tax Debt Guide


Posted By on Sep 23, 2016

IRS tax debt is a serious financial issue that should be quickly addressed. An Offer in Compromise is a settlement on your IRS debts so organising this is very important. If you have a tax debt from past years or have already done your taxes for this year and expect to owe money, you can always find a solution. The solution is not to ignore the debt and seeking the right advice from companies such as www.genesistaxres.com will help you on your way to tax debt freedom. Don’t be ashamed to seek help; that’s exactly what it is there for!

Although the IRS has only ten years to collect on a tax debt, it has many very powerful tools at its disposal during those ten years and it can really take the stress off of you if you just deal with the debt now and fast than leave it. Possible solutions can include personal loans and savings, arranging instalment agreements to arrange a payment plan for your tax debt and an offer in compromise. If you owe an IRS tax debt, the best solution is to borrow funds or use savings to pay it. Better to pay that in full and repay a loan company or rebuild savings than have a blemish on your credit.

By paying the full balance when it’s due, the amount you owe will be much lower than if you request one of the IRS payment options, which will include penalties and interest. If you borrow against your home to pay the IRS tax debt, the interest you pay may actually be tax deductible. Be careful when considering drawing on a retirement fund to pay the debt as it could very well lead to additional taxes being owed. Check with a professional and the retirement plan administrator whenever you consider taking money from a retirement plan.

If you prepare your taxes before the deadline and realise you will be owing the IRS tax, you can file for an extension of time to pay. Depending on your individual circumstances, the extension can be anywhere from thirty to one hundred and twenty days. Pay as much as you can early to reduce the late-pay penalties and interest owed. Filing an extension will protect you from the late filing penalties which are severe.

If you are experiencing financial hardship or other personal hardship like illness or a loss of financial records due to natural disaster, the IRS may grant a temporary delay of payment of your tax debt. In some cases, penalties may also be waived, but interest usually applies. You must contact the IRS to request the delay and the sooner you do this the sooner you can be helped. There are a lot of ways to get help when you encounter a tax debt and if you act quickly you can get this help sorted out long before any major penalties are handed to you.

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Let’s assume that you have applied for a job advertised by a recruitment agency on one of the very many job sites that litter the internet now. You should receive an immediate automated response or a personal response within a few hours of applying, acknowledging your application has been received. You should be concerned if you don’t receive any kind of reply and after two working days, you should chase it up, especially if you feel that you have unique qualities that demand immediate attention!

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If you have the right experience then a good agent from places like http://www.alliance-consulting.co.uk will want to interview you for the job. That’s not the actual job interview, mind you, it’s to interview with the agency so that they can decide whether you should be on their books. However, just because you aren’t interviewing for the exact job just yet, you should treat the interview with the agency as if you were interviewing with the employer. The consultant may well have a long list of up to ten candidates on their books and will want to see who will be the best fit for their role. Good consultants from companies such as https://www.alliance-consulting.co.uk know their clients extremely well and this initial ‘gate keeper’ interview means they are trusted to the point they’re allowed to weed out any unsuitable candidates.

Do try to attend a face to face interview with an agency as this will always give you the advantage over those who can only commit to a telephone interview. This also gives the chance for the agency to appraise your interview style, tone of voice and manner which can make such a difference as to whether they believe they should put you forward for the job at hand. Making the effort to attend the agency interview with businesses such as https://www.alliance-consulting.co.uk will also demonstrate your motivation and commitment to the role.

This agency interview can serve a dual purpose as once you have convinced the consultant that you are right for the role, they will want to give you a thorough briefing on what to expect at the subsequent employer interview. Remember that the consultant you meet with may have had several candidates who have already attended interviews for similar roles with the same employer. The consultant can brief you in detail on the organisation, the working environment, the people in the department and even the sort of interview questions you will encounter.

Once the consultant confirms you have been shortlisted, make sure you get their assurance that your CV will be submitted to the client. Make a note of exactly when your CV was sent and keep lines of communications open. Keep a record of which jobs each agency you have applied to has sent your CV: this can avoid the embarrassing situation of your information being sent over twice by different agencies! Ask when you can expect a decision on your application and keep in touch!

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