Spending Your Retirement In Chiang Mai, Thailand

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Planning your retirement is one thing that many people find rather stressful and tedious.The first decision you must make is where you plan on retiring. You have worked for countless years saving for your retirement and taking care of your family. Now it is time to enjoy your golden years relaxing and enjoying your life. But where would you spend your retirement years?Chiang Mai 07

There are many places around the world that people consider as retirement destinations, and one such place is Chiang Mai, Thailand. Many may have or may not have heard of this northern city in Thailand as Bangkok is the popular destination and capital of the country. However, Chiang Mai has come to be a retirement paradise for those who are searching for a laidback, relaxed and enjoyable time and one that will not cost you an arm and a leg.

Chiang Mai is located about 700km’s from Bangkok and can be reached by road or air. Driving would take between 7 to 9 hours and to fly from Bangkok would take about an hour. You can also, opt to travel to Chiang Mai by train, but the journey though full of great sceneries may take up to 14 hours.

Chiang Mai 29Chiang Mai has so many things to offer the retiree. From Affordable housing to cheap transportation. You can also enjoy the variety of delicious cuisines on offer. From the traditional northern Thai food to a range of western and eastern restaurants are available for you to visit. The natural surroundings will give you the relaxing time you need. You can take a day trip to one of the many mountain areas surrounding this city and also spend time at a beautiful waterfall. There are many beautiful lakes that you can visit and spend the day in a hut having a beer and relaxing.

There are many great shopping options in Chiang Mai. You can visit the many Malls and supermarkets that carry a range of products from local to imported good that you may need to prepare your home cooked food. There are many spas in the city which will offer you complete relaxation should you want to spend a day pampering yourself.

For the legalities of retiring, you can easily obtain your yearly retirement visa if you have the documents in order. Chiang Mai 14You can either rent a condo or a house, you can also, buy a car so that you can travel at your own pace. Chaing Main is also well known for its medical facilities and, therefore, you can be assured of world class treatment should you require it.

The cost of living in this northern city is much cheaper than the capital Bangkok. If you are single, you can easily live on $1,000 to $1,500 a month without being too extravagant. So you can easily retire in Chiang Mai with your pension income. There are many service providers who will help you get all the requirements in order, and you will be all set to enjoy your retirement.…


How to Consolidate Federal Student Loans

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After graduating from college or universities, most students who borrowed student loans in order to cater for their fees find themselves burdened with a number of these student loans. In order to be able to manage these student loans efficiently, they must learn how to consolidate federal student loans. Below are some easy guidelines a student borrower could use when consolidating their loans.

Direct Consolidation Loan ProgramStudent Loans 10

This is a program by the Department of Education that allows student borrowers to consolidate their loans. It allows borrowers to consolidate their multiple loans into one federal student loan that will be easier to control and service. Paying several student loans will be difficult and expensive due to the high-interest rates as well as numerous payments to be made. Under this program, the student will only be required to pay payments monthly with a different interest rate altogether.

Consolidating Private Student Loans

As private student loans cannot be consolidated under the program above, a student who took private student loans can also consolidate their loans with a lender for private student loans. These lenders are not the conventional banks as this is a new sector that other unfamiliar lenders have exploited. Some of these lenders include LendKey, U-fi, DRB, CommonBond and SoFi with each having its own unique benefits and product offers. It is advisable for a student borrower to consider the private lender that offers the best lengths, mixed, fixed and variable rates. Comparing among these private lenders will be important as you will end up getting the best deal to make your loan repayments easy while saving money along the way.

Consolidating your student loans through a private lender has several benefits in that you are able to save your money on the interest. After consolidation one automatically lowers their interest rates thereby saving lots of money Student Loans 11over the duration that they will pay their loans. Private lenders charge nothing for the whole consolidation process and for students who have great creditworthiness can get interest rates starting from as low as 2% depending on factors such as length of time and interest rates type.

How Long does it Take?

The process of consolidation is usually lengthy but the total time taken is also determined by the loan type one has as well as the route they choose to use. If you prefer consolidating the loans quickly, then the private lender route is often quicker as it could take as long as 10 days. The application is relatively easier as it only takes around 15 minutes. After it is approved, one is expected to sign a promissory note and the lender will pay off the student loans and issue a fresh loan. All the above are the necessary steps to take when looking to consolidate federal student loans.…


Merits of Life Insurance No Medical Exam

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With high demand for insurance cover, the need for term life insurance with no medical exam came along. Most people are now opting for this type of policy over the traditional insurance cover, which comes with compulsory medical exams. This type of policy has several benefits. In fact, you can get No Medical Exam Life Insurance Quotes in a matter of hours. Where medical tests are required, it can take several weeks or even months to qualify for the cover. Sometimes, you can wait for that long, only to be turned down. These are reasons to take this flexible policy:

Healthy Status
In the past, people could be denied quotes because they were life insurance with no medical exam 1suffering from certain diseases. Companies were concerned with providing life insurance cover to such individuals because of financial risk the company can suffer due to untimely deaths. Fortunately, for this type of cover, insurance companies are not concerned about diseases you are suffering. However, a simple medical report is needed.

Lifestyle And Occupation
Some insurance firms are reluctant to provide cover to people that are involved in occupations or lifestyles that are considered riskier. This is because such people are prone to death quicker than expected. However, with this type of life insurance, there are no medical concerns. It does not matter whether you are a sumo fighter, wrestler, or skydiver, you will be provided with an insurance life insurance with no medical exam 2cover. Even if you are blink of death, you will be provided with insurance quote.

The fact that there are no medical examinations needed, very few reports are submitted to the doctors for study and analysis. This makes processes of giving quotes faster. It can take very few minutes or hours to get a life insurance cover. This is completely opposite if medical exams are to be undertaken. If medical exams are to be taken, it can take even a year to get an insurance cover.

Simple Processes
Without medical exams, the process becomes simpler . You will not life insurance with no medical exam 3be moving from one place to another to undergo tests. Moreover, you will not be entertaining difficult terms that are commonly used by doctors.

Nowadays, some insurance companies provide online application. Therefore, you can apply for your life insurance cover from the comfort of your home or office. In addition, there are online payment options. All these features make your application and paying of premiums a stress-free experience. You will also get detailed information about different policies they have.…


Avenues to Enter the Aviation Industry

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Aviation training in nearly all components of the world is seen to be a reserve of the rich. The price of taking on a program that will certainly help safeguard a career in the aviation sector is expensive to the majority of people. The price aspect alone remains to lock out a large number of individuals that have all their lives imagined working in the aviation industry.

The price is specifically high when it involves pilot training. This is the Aerospace 07factor regarding why a majority of pilots are from fairly well to do households. There are several alternatives for striving pilots with one of the most popular of them being the army where they can hope to be approved into army flying colleges. Check out jean paul gut on viadeo to learn more about the aviation industry.

Signing up with the Air Force is however not a guarantee of obtaining pilot training, competitors for the places offered are very aggressive. Although there may be difficulties on the way for those which opt to undertake aviation training with the military, those that achieve success have a good number of benefits by the end of their service.

In addition to getting their pilot certificate, those that learn the military are very related to due to the excellent training centers. They also receive direct exposure to unique flying conditions that consist of some extreme circumstances, self-control as well as other such advantages of having been pilots in the armed force. The training is free and also you also gain a respectable living as you offer your time in the armed force. The only downside is that armed forces qualified pilots are not quickly released from their positions as it costs a lot to train them.

Aerospace 08One more choice for pilot training prospects who could have troubles with the required charges is in the form of education and learning financings. Just like all various other pupils in universities, those taking a look at a flying profession could decide to take education and learning loan. Even though the lending amount is substantially above other training courses, successful pupils will be able to settle their loans comfortably as their incomes are expected to be rather high. Connect with jean paul gut on linkedin to get more knowledge.

Scholarships are one more opportunity that aspiring pilots could look at when aiming to find their training funds. It is not very common to find these type of scholarships, and also it will commonly need an individual’s effort. The scarcity of pilot scholarships might by itself make your application unique, as it will certainly stick out from the others. Most of the times, a piloting scholarship will certainly be granted on special grounds and you, as the candidate needs to make your instance an unique one.…


Taxes and How it Effects Your Business

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An accounting department is a necessity, no matter what the size of your business is. Nowadays, most entrepreneurs have obtained solutions from accountancy firms and companies to reduce the weight off their shoulders.

Accounting could be rather discouraging, so employing accounting Taxsolutions to calculating loss, income tax santa ana ca and revenues is vital to specify the strategy needed in the future. Nowadays, many organizations are conscious of the advantages of accounting and also income tax solutions and software.

There are consultants and brokers that give notice replies that are shown to officers as well as the courts. These accountancy businesses are a group of experts working together supplying excellent data handling, accountancy, and bookkeeping solutions. These firms assist their customers examine their organization or company condition to examine their efficiency. Based on the outcomes of these financial research studies, the company directors and also company heads reach a choice that is important for the improvement of the establishment they are handling.

Tax service providers additionally aid the business in satisfying divisions as well as their staff that have been efficient as well as responsible for earnings influx in the company. A part of the accountancy group are tax attorneys who service their customers in declaring refunds over the excess tax they paid in the past. These legal representatives likewise advise the very best methods of preparation of taxes so as to stay clear of getting charged with evasion offenses.

Tax Lawyer 01As company entrepreneur, you need to learn more about the importance of accounting as fundamental expertise. Blending your economic techniques with their recommendations will improve your company. Lacking the understanding of your cash flow could break your company. Many entrepreneurs, as well as organization heads merely, rely on their tax company concerning their financial concerns. This is wrong. While they could take off worry from your shoulders, it is still important for you to inspect them often, and also you must be experienced with each procedure they involve themselves in.

These tax service providers additionally assist in optimizing the personalized and duties with the help of correct categorization. They also capitalize on different exemptions and also reward plans to suggest for reduced returns. The consultants, as a component of bookkeeping business, must have experience in the area and also in assisting individuals with their problems as well as problems about real-time consignments. The majority of the time, individuals don’t have an idea about the lax with regards to their finances; these experts could help them conserve cash. Since they understand the law better and deeper, they could utilize their abilities and to prepare systems for taking care of the complexities of filing your returns.…


What Contractors Need To Know About Surety Bonds

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Surety bonds are considered as unnecessary business expenses. They are seen as a passport for certain, qualified firms to access bids on projects. Construction firms looking into significant private and public projects understand the necessity of bonds. Therefore, it is important to understand basics of suretyship and how surety companies evaluate bond costs, bonding candidates, defaults, warning signs, and local laws.

What is Suretyship?
This is a form credit in a form of financial guarantee. You should note that it is not an insurance in a traditional sense, and that is why it is surety bond. The purpose of these bonds is to ensure that surety bonds 1contractor will perform his obligations to the client. In case, the contractor fails, surety steps in and offers financial indemnification to allow performance of client to be completed.

The main three parties to surety bond are Principal, Surety, and Obligee. Principal undertakes obligation under bond; the Obligee receives the benefit of a surety bond. The Surety is the party, which issues surety bond.

Surety bonds are different from insurance. The main difference is Principal’s guarantee to the surety. In a traditional insurance policy, you are required to pay premiums. The other difference is loss estimation. In traditional insurance, a lot of complex mathematical calculations are done by qualified actuaries to determine estimated losses. Insurance companies will calculate the probability of loss and risk payments. Loss estimates are used to underwrite to ensure
adequate cover to losses, yield a reasonable profit, and pay insurer’s expenses.

Surety companies underwrite the risks expecting zero losses. surety bonds 2However, you are required to pay premiums. These are fees charged for ability to get Surety’s financial guarantee. This is a requirement by the Obligee to ensure the project is completed in case Principal fails to meet obligations. Under this bond, the general contractor offers indemnification agreement to Insurer.

Surety bonds are available in different variations. The main types of bonds include Bid Bonds, Payment Bonds, and Performance Bonds. Bid bonds offer assurance to project owner that his chosen contractor has submitted a bid in good faith. In case, the contractor forfeits the project, the owner accepts the next highest bid. Defaulting contractor will forfeit maximum bid bond amount. On other hand, performance bonds offer economic protection to project owner that the contractor will perform according to the contract. Payment bonds are meant to avoid potential project delays. Therefore, sub-contractors and material suppliers are paid by Surety.…


How Contract Financing Can Help Small Businesses Grow

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Is contract financing right for you? Numerous small, as well as average sized business owners, ask this question when bidding on a lucrative government contract. Winning a contract can place a massive pressure on your working capital when boosted demands for materials, payroll, and also various other expenses build up with the brand-new contract.

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If you’re aiming to broaden your business by embarking on brand-new or larger agreements, loan contract financing may be the option to assist your development.


Financing agreements can be a very easy and also uncomplicated process when making use of factoring as well as accounts receivable financing. Contract money could be secured in as little as 48 hours, as soon as an application has actually been authorized. The approval process for application is usually much less compared to 48 hours.


The process for funding contracts with factoring starts with an invoice. As soon as you have supplied a service or delivered an item, a copy of your invoice is sent to both your client as well as the funding company. The funding company will validate the information on your documents with your client to verify that the task has actually been completed, or the product was provided. After that, the financing company will deposit a percentage of the invoice to Loan Contract 02your bank account (usually 70-90 % of the invoice amount). Finally, when your client pays you the total, the payment is sent to the financing company, and the rest of the percentage is deposited to your account. Of course less the charge for making use of the funds. This procedure can be repeated as required.


Contract financing can be a wonderful and rather unique to a small business loan. Though different compared to a traditional lending, contract loans can be far more obtainable and also flexible than what a financial institution has to provide. Financing contracts via factoring, instead of leveraging your business or property, could put you in direct control of the quantity you wish to fund. Not all your dealings have to be funded – just the ones needed for financing the contract. Additionally, with factoring the concentration is on your consumer’s credit, not yours so if it’s a federal government agency your chances of becoming approved are much contract


With the growing need for finances and the stringent banking laws, it has become tough for businesses to raise operating capital. With Contract financing, you will not have to sacrifice your cash flow and be in a tight spot.



Why Is Binary Option Trading So Popular?

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One unique trading option in the market today is binary options investing. There are a number of benefits of trading these options. Owing to these benefits it has actually turned into one of one of the most popular investing options in the economic market today.

Below are four vital benefits you could obtain with this type of investing by using Anyoption Erfahrungen.Binary Options 38

1. Not everybody has the perseverance to wait days as well as months making cash. Who does not enjoy making fast cash? This is where you will certainly be pleased with binary options. While various other markets operate in terms of days, weeks, as well as months, binary options investing promises to provide you results in minutes. Therefore, trading binary options is easy and also rapid means to make cash.

2. If you have actually traded in the past, you understand everything about the challenging charts, signs, as well as devices associated with investing. Be it technological or fundamental analysis, a bunch of thoughts and also preparation goes into making a solitary investment. This whole procedure becomes a great deal easier when you patronize binary options. As you are basically anticipating a surge of fall in cost, it is as basic as could be. There are no numbers as well as amounts entailed here. You opt for the Call option as well as if the price of the item increases you get your returns. On the other hand, if you choose the Put option as well as the cost drops, you still make your profit. Just how much easier can it become?

Binary Options 393. One more substantial advantage with binary options is that you can trade in a number of markets, consisting of commodities like Gold and Silver, indices like NYSE, Nikkei, Forex, and so forth. Binary options’ trading enables you to trade with flexibility.

4. The outcomes of binary options trading will certainly never surprise you. You will certainly know ahead of time how much profit you can make as well as how much you could lose. This takes off a lot of the pressure, and you have the ability to trade calmly.

Trading binary options launches brand-new chances for you to find out about the different markets with minimal economic danger. As you trade, you find out and also expand and then make massive profits. Therefore, you can see now why binary options’ trading has actually come to be so preferred with the retail traders. It is generally because of its benefits and also opportunities that it is one of one of the most cultivating trading options in the financial market today.…


How to find the best Financial services in Bristol

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Most of us fail when it comes to managing our money. We focus more on spending the little we have and save less. This is attributed to the modern setting that focuses heavily on spending and lesser on saving. It has become harder to save for the future given that we indulge in a lifestyle of expenditure. The best way to change our bad spending habit is to consult a financial advisor. How to find Financial services Bristol? Is a question that we ask ourselves oftenly. The key to finding the best financial services is by analyzing the type of financial services we are looking for. Financial Services 01Here is a general breakdown of financial services that we might be looking for.

Income management services
If you are worried how you spend your money, then it is vital that you look for wealth management financial advisor. Using the little, we have inappropriately always has dire consequences in the long run. We all have the itch to pamper ourselves after getting played or when we have some excess cash. Visiting a financial advisor best suited in wealth management will help us change the way spend the little we have. We lack the self-discipline to save continuously our cash and getting proper wealth management can go a long way in helping us brighten our future. Finding an excellent wealth management advisor should be easy when we know our goals.

Financial Services 02Asset management services
If you have a lot of properties and you are in need of financial assistance, then an asset management advisor is what you are looking for. Fortunately, in Bristol finding one is relatively easy. Asset management is a sensitive issue, and when left unattended you may find banks trying to repossess the assets. We love taking loans and getting behind on payments sometimes happens. We should always look for the best asset financial advisors if we are borrowing heavily from financial institutions.

Investment management services
If you are looking to increase the volume of income you have then invested is your choice. Investing is a time-Financial Services 03consuming process and is also a perilous move. Having an excellent financial advisor will always be a significant step. You should look into their history: Are they successful, their success rate or how long have they been in the business. Don’t just rush into investing blindly without any risk assessment or you will be left in tears. With an excellent investment advisor, you should be capable of increasing your income.

With those tips How to find Financial services, Bristol? Is a question that we shouldn’t be asking ourselves.…


4 Reasons Small Businesses Should Hire An Accountant In San Fransisco

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Should you hire an accountant for your business? This is a common question among small business owners. Usually, there are various finance-related tasks in any unit such as keeping records, preparing the payroll and filing taxes. While you can be able to handle some of them, there are certain instances where it would be best to outsource to a professional. Here are several top benefits of hiring an accountant in san francisco.Accountancy 04

1. Save time

One major benefit of outsourcing all aspects of finance in your business is that you will be able to save precious time. Bookkeeping and other tasks are not only complicated, but they can take up hours and even days. You can’t afford stay away from your business for that long lest your competitors gain an edge over you. And even if you do it in-house, it would mean some employees are halting their normal routines. Working with a professional can ensure your business keeps running.

2. Comply with tax

The last thing any business owner would want is the authorities knocking at their door for failure to file taxes. Accountancy 05Thankfully, a professional accountant can make sure your company complies with the relevant laws and requirements. He or she will be experienced in tax-related matters and can do all taxes for you, in addition to providing useful advice on decisions. You’ll no longer have to worry about filling the wrong forms, making mathematical errors or missing out on tax privileges.

3. Wise investments

Enlisting the services of an accountant can help you make wise investment decisions for your small business. Accountants are usually trained to be able to determine viable investments. They will point out what can work, what may not work and what can give you an instant return among others. All these can go a long way towards ensuring you get the best out of investment and better prepare for the future.

4. Expert advice

Apart from balancing your books and figures, an accountant can offer professional advice on literally everything Accountancy 06from planning to determine pricing structure to obtaining financing. And, should the need to expand, close or sell your business arise, they will be at hand to give you tips on how to get things done the best way. This kind of input is invaluable, regardless of whether you’re a first time or seasoned entrepreneur.

Although hiring an accountant in San Francisco comes at a cost, there are many benefits small businesses can enjoy by taking this step.Their skills and experience can be a valuable addition to any business.…


Business Financial Assistance

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Many people seem to regard business financial assistance as a last resort financing option for businesses on the brink of failure. While this may have been true in the past, in recent years, such financial solutions have been widely considered as a major source of working capital for many thriving and successful business across the world today.

Banks today have come to recognize that debtor’s books, in the form of Business Financing 10unpaid and overdue payables, can be the most accessible asset of a company. Today, factoring is now considered a viable source of funding across different industries, and a practical solution for businesses that are looking to improve their cash flow. If you think you can benefit from such a solution, you should look into finding a reliable provider with an established reputation. You can also contact David Nepo Sec for advice.

What are your options?

Traditional factoring – with this option, a factoring company, will take ownership of your debtors and control your debtors book. However, there may be debtors who could have been excluded in the list may be because sale contract was not found to be strong enough, or the debt could be old. Once all outstanding debts are summed up, the factoring company will take a certain percentage of the total amount available to the business, in the form of a credit line.

In return for the credit line, the factoring company will take over the administration, ownership of the accounts payable and the responsibility of debt collection. Most factoring contracts typically involve a minimum period of two years.

Business Financing 11Invoice discounting – this financing solution is much like factoring, although, in this case, the factoring company allows the company to retain its control over its clients and the collection of outstanding debts. However, companies will be required to provide detailed monthly reports for the invoice discounting company to evaluate and verify the accuracy of the returns. Audits may be conducted from time to time and, in some cases, certain invoice discounting companies impose penalties for any discrepancies found.

What solution is ideal for your business?

Many companies go to experts to seek advice as to which solution is most appropriate for their business. There are also factors such as the cost, administration, the control of customer relationships as well as the availability of facilities that you need to consider. If you are not quite sure which solution is ideal for your business, contact a reputable company for solid, relevant and expert financial and business advice on the business financial assistance available for you.…


Why Offshore Banking Is A Good Choice

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The matter of opening up an offshore bank account is usually one that need to be taken with care. It should also be discussed in detail with a financial expert and also lawyer depending on one’s reasons as well as each scenario for wanting to have such an account.

Lots of people normally overlook the advantages linked with owning an LOM bank account offshore due to the Offshore Banking 01negative media exposure. The media portrays that owners of such accounts that misuse the services to launder money, conceal cash for divorce objectives, commit tax return evasion or engage in various other kinds of scams. This article gives info on the Advantages and also drawbacks of offshore banking.

Offshore Bank Accounts that Offer Great Interest Rates:

Many offshore financial institutions offer services rather much like those provided by domestic banks. Besides acting as normal savings accounts, an overseas checking account provides its individual the alternative of having a credit rating or debit card from which to gain access to funds. A few of these financial institutions likewise are prepared to offer you home mortgages as well as various other kinds of financings from your account.

Considering that overseas loans are not managed similarly to domestic banks ones, interest rates on home mortgages and also financings are often offered at more competitive rates compared to those in domestic financial institutions. This permits owners of offshore accounts to have their home loan repaid in practical anxiety free means.

In addition to the above, such checking account can offer their account holders greater rates of interest on down payments; that enable you to get even more out of your savings. This is due to the fact that overseas banks basically compete for business that will expectantly generate income to its respective country along with the required reduced overhead prices, which often be lower than those supplied by domestic banks.

Offshore Banking 08Advantages of Offshore Banking and Loans for Companies:

The majority of global firms today are likewise choosing these checking accounts as a result of the perks linked with their loans. The businesses that select these non-domestic savings account are usually afforded the same rights of privacy as personal/individual account holders. Having overseas business checking account enable companies to finance their uses at far more economical, or practical rates compared to if they were to maintain their financial holdings strictly domestic.

Because offshore financial institutions are usually not regulated by the government to the same level as residential banks. These banks can supply a wider selection of investment options for both individuals and firms looking for higher rates of return compared to those usually offered by domestic banks.…


Accounting Software


accs2Are you a business person? If yes, are you aware of accounting software?

Do you know which accounting software is the best? In this article, I will discuss one of the best accounting software’s that allows you to manage the progress of your business.

There are several software that are available online. Zoho Books is one of them. It is the best software that allows a business person to manage easily the flow of money within the business, manage the customers and invoices while checking out the expenses. This software also helps the business person in monitoring and reconciling the bank accounts and the transactions taking place. Zoho book software helps an entrepreneur to make informed decisions regarding the business. Zoho Books software stands out because;

Zoho Books software is very simple, and it covers the basics; it can create and send invoices, sync bank accounts, track expenses, and create reports. Also, it does accounting using a mobile device. Additionally, it has accounting tools that grow hand in hand with the business.

It is cheap. It cost 24 USD per month. However, there are other software such as Quick Books, fresh books, and Xero that charges as low as 10 USD. The difference is how the software meets the business expectations. They may sound cheaper, but they cannot provide the service provided by the Zoho books. Note that they charge less because they have limited the number of transactions, users, and capabilities.

Research as indicated that it is very easy to use Zoho Books. There is no difficulty in setting up an account. It is just the business name, password and contact information and the account is ready for use. The dashboard of this software is also simple to use. It has no clutter. The dashboard will display at a glance the financial progress of the business.

Zoho Books software is designed in such a way that it helps the entrepreneur save time because of its automated features. This system does not require the use of a manual method of data entry. The system keeps on updating the financial data, transaction histories and customer information. Additionally, Zoho Books also save time by automating the workflow. The software automatically sends invoices, set up recruiting bill, track expense as well as notifying the business owner with payment reminders. Most importantly, it is easy to make online payment faster. The software can connect with popular online payment methods such as Braintree, PayPal, Stripe, and This makes it more economical for customers to pay their invoices online.accs

Another good thing with Zoho Books is fact that it offers 24-hour phone calls and email support for five days a week in US, UK Australia, and India. It has a mobile application that an entrepreneur can use to do accounting on the go.

Try Zoho Books today for your business. Sign up for free, fourteen days free trial and get to know which accounting software is the best.…


Keep Track Of Your Expenses


Portrait Of A Young Couple Calculating Finance At DeskWith the ever increasing cost of living and daily expenses, it is important to come up with an effective way of how to keep track of your expenses.

Tracking your expenses is very important as it not only enables you to understand how you spent your money, but also knowing which expenses you need to reduce or do away with in order to save money.

Some of the Ways You Could Use To Keep Track Of Your Expenses Include

  • Using book and file method
  • Using spreadsheet/excel
  • Using expense tracking apps, sites and software

Using Book and File Method

The book and file method is the oldest method of expense tracking. Here you will have an accounting book where you will write down all your expenses with a file to store all your receipts and invoices. The expense book and file is usually organized according to date for easy and faster access. The main disadvantage of this method is that it can result in lots of paperwork.

Using Spreadsheets/Excel

If you have daily access to a computer, you could keep track of your expenses by using spread sheets or excel sheets. With these sheets, you can create a table and group your expenses into columns. The main advantage of using spreadsheets is that it is easy to use and does not require doing manual calculations as most spread sheets have built in functions to do any math. exp3

One main shortcoming of spreadsheets is that it assumes you do not need to track your receipts or that you are storing them separately. Receipts are very important in any expense tracking strategy as they provide evidence of transaction/expense

Using Expense Tracking Software, Sites and Apps

Expense tacking software, sites and apps will enable you efficiently track you expense because they are specifically built for that purpose. After registering to an expense tracking site, app or software, all you will need to do is create an expense profile for yourself and start tracking your spending.exp2

Tracking software and sites allow you upload you receipt for evidential purposes and the main advantage is that you will not have to worry if the physical receipt gets lost. In addition, expense tracking software and sites have built in accounting functions and will be able to generate expense reports for easy analysis.

Using expense tracking software, sites and apps are so far the most recommended method of how to keep track of your expenses.…