Monthly Archives: February 2018

Church Financial Software – How to Look for One

Church Financial Software – How to Look for One

Just like a business, many churches use technology to do their job more effectively. One of the best things they can invest in is a good piece of church financial software.

The real question is, what would that look like?

Here are a few things you can look for in a good church financial software:

– Easy to use. You want your it to be easy to use, right? Nobody wants to spend hours and hours just learning how to use something when they first get it! There are a lot of great programs out there that are very simple to use but also do their job well. Find one of those and you’re golden.

– Very flexible. Most of the really good pieces of church financial software are flexible in what they can do. They can print different financial forms, handle taxes, keep track of tithes, handle the church’s payroll – everything!

– One stand-alone package. You probably already know this, but a crucial aspect to look for is that the software can do its job all by itself. No need for additional software or upgrades to do what you want it to do.

– Price. In today’s economy, you have to be concerned about the price! Luckily, church financial software doesn’t have to be expensive. You can pick up a great piece of software for about $300, and can probably find really good deals if you look hard enough!

– Can you use a business software? Many churches will use the same software that small businesses use. Although this won’t have all of the same features as church financial software, it will likely have additional features and more customer support if you ever need it.

– Online reviews. One of the best things you can do to select church financial software is to look at a few reviews online. What do other users have to say? What do unbiased users have to say? With so many review sites on the internet now, it’s easy to find out what people like and don’t like!

In conclusion, there are a number of things to look for in your church financial software. Remember that a lower price doesn’t always mean lower quality, but often that is the case. Also remember that you want something that’s complete, flexible, and easy to use.

Make Money Online Free Without Risk

Make Money Online Free Without Risk

Everywhere you look online there are ads telling you that you can make money online free. We’ve all seen them, flashing in banner ads and posted all over the web, even in places that didn’t seem appropriate for such an advertisement. We’ve gotten spam in our e-mails that tells us we can make money and retire within the next year by just following a simple plan. Unfortunately, the majority of those types of ads are nothing but scams. And the majority of people who are looking for a way to make money online free have also fallen for at least one of them.

The lucky ones are the ones who only lost $10, $20 or $30 to such a make money scam. But there are plenty of people who’ve lost hundreds and even thousands of dollars on get rich quick schemes and scams. The general rule is that if it sounds like it’s too good to be true, you should always assume that it is. But aren’t there ways to actually make money online free without risk?

There are some ways you can make money without spending money or being scammed. One of the top ways to do that is by filling out surveys. You should never pay a company for the privilege of filling those surveys out, however. There are many companies who want to sell you a package to teach you how to make money filling out surveys. Those companies are taking money from you for things you can do for free.

Companies regularly offer surveys and are willing to pay people to fill them out because that information is valuable to them. So you should only ever try to make money online free by filling out surveys that don’t cost you anything, otherwise you’re spending money you don’t need to spend.

Factors That May Impact the Settlement Figure Offered By The Insurance Adjuster Or Defense Attorney

Factors That May Impact the Settlement Figure Offered By The Insurance Adjuster Or Defense Attorney

An injury law firm can carefully review your injury accident claim and advise you before dealing with insurance company adjusters or defense lawyers. Often, an unrepresented claimant might be told things that simply are not accurate.

The Advantages of Settling a Case vs. Taking It to Court

Upon hiring an injury law firm to represent you, your accident lawyer will review your case and help gather facts regarding your injury. While there is no way to guarantee a settlement, a seasoned attorney can discuss any offers made by the insurance company and give the client a better understanding as to whether the amount offered is fair. Litigation should generally be a last resort due to the time, expense, stress and uncertainty involved in taking a case to court.

It is worth noting that sometimes the insurance company simply refuses to settle. Should this occur in your case, your accident lawyer will discuss whether litigation is an appropriate option.

How Defense Attorneys View Injury Claims

The insurance company will hire a defense lawyer if the case does not settle. Most defense attorneys will take a hard line regarding the possibility of settlement. Generally, they will only consider settlement when a potential trial verdict presents a substantial risk of a large award against them. If the defense attorney believes his/her chances are good at trial, he will likely not recommend or offer settlement with the plaintiff’s injury law office.

The Defense Attorney’s Authority to Settle a Claim

Your injury law firm can gauge a lot about how the insurance company regards a claim by communicating with their defense attorney. Often this individual knows exactly what settlement range the company will offer. As a rule, if defense attorneys can keep the actual settlement at the low end of that range, they will keep themselves employed.

Therefore, your injury law firm will generally assume that any settlement offer made by the defense represents a discount of 50 to 100 percent of the company’s actual authority.

Your insurance bad faith lawyer may expect that figure to rise as the case moves closer to trial. As stated above, however, taking a case to trial can bring about much uncertainty in the result. Moreover, while a client will have very little out of pocket expense in a settlement case, a trial brings costs which, by necessity, must be passed along to the client. Your attorney can fully advise you of your options.

Put an experienced injury law firm in your corner when dealing with insurance companies and defense attorneys.

Factors That May Impact the Settlement Figure Offered By An Insurance Adjuster

An can carefully review your injury accident claim and advise you before dealing with insurance company.

Your may expect that figure to rise as the case moves closer to trial.

Owner Of An Established Brand With Restaurant Franchise

Owner Of An Established Brand With Restaurant Franchise

Business opportunities in the food sector are unlimited. If you know the tricks and are well informed, you can no doubt give shape to your business dreams in no time. Restaurants today run well depending on a number of factors; these are brand identity, quality of food items served, menu, variety, courteousness in handling customers, locality, to name a few. When you can be an owner of a reputed brand in your area by buying a restaurant franchise, why not grab the opportunity. And if the menu well suits the Indian taste such as snacks food, namkeens, traditional sweets, Bengali sweets, chaat like pani puri, South Indian food, the effort of buying the restaurant franchise is well rewarded.

When you buy a restaurant franchise, you will have to pay some royalty money as well as percentage of the profits every month or annually or as decided. You no doubt become the owner of the restaurant, but you will have to follow the same method of food preparation, besides having the same menu. You will notice an increasing crowd right from day one. A little advertisement will further add to the crowd pulling factor.

You will always find sweets in the menu in every festive occasion. It is also in marriage, birthday, anniversary, and other functions. where all traditional sweets including Bengali sweets rule the roost; this is because having as well as distributing sweets is considered as good omen. Pani puri and chaat items are also served in most occasions. Another item that is served with tea or coffee is variety of namkeens. The most savored namkeens include bhujia, chana masala, mini samosas, dalmoth, and more.

The rasgulla and the rasmalai are two of the most popular Bengali sweets. Both the Bengali sweets items are found in sweets shops in every corner of the country. Preparation of rasmalai involves cooking of rounded pies of fine milk curd in syrup such that a unique texture is created. The pies are then soaked in full cream milk and then served with a shower of chopped pistachio nuts.

Insant Bank Of America Modification 7 Days Or Less

Insant Bank Of America Modification 7 Days Or Less

If you are trying to get a Bank of America Modification, this is the best program out there. Whether you have tried to contact your lender on your own or just want the best rate reduction possible, you have to read this.

Traditionally, modifications with B of A have been tough. Trying to get in touch with your lender yourself and getting it to go through was very hard for homeowners to accomplish. Now, you don’t have to worry about all that. You can find out if you are approved, what you new interest rate will be and what your new payment will be almost instantly. Plus, the loan modification can be completed in 7 days or less! This is so much faster than a traditional loan modification that can take two to three months to complete.

The benefits of this program are pretty clear:

1. You get to find out if you are approved within hours or days

2. You get to find out exactly what your new payment will be

3. You can now decide if pursuing a loan modification with Bank of America is benefitial to your situation or if you have to pursue another option.

4. You do not have to wait 2-3 months to find out if you are even approved or to complete the whole loan modification

5. There are no upfront fees with this program!

6. Get your new loan docs signed within a week or less

7. In many cases, your first payment can be pushed back a month or more to further ease your financial burdens!

This program is only offered by a few select companies. To get more information and to see if you qualify for this program, just click the links below and call the phone number or fill out the form. It could not be any easier to get a Bank of America modification! Don’t wait, this program may not last long…

Forex Trading System

Forex Trading System

Trading the Forex Market without a well though out Forex Trading System is like going to your nearest Casino and try your luck on gambling. Forex Trading is an art and or a science, but definitely not a game of luck, at least not for those who make a success of trading the Forex Market.

One thing most people don’t know or they simply don’t think about it is the fact that the Forex Trading environment is one of no order and no rules. In other words, at any given moment in time you can buy or sell any currency pair and you can also have a chance of making money. The fact that it is a no rules environment makes it so exiting for new traders but it is this phenomenon that kills most novice traders financially in the first 3 months of their new trading careers. The key principle here is the fact that the market has no rules and anything goes in the market environment. That means that the market environment is a variable, in other words it changes constantly and is not consistent in any way. Every moment in the market is unique which means in theory that nothing is ever the same in the Forex market. The reason so many traders fail at trading the Forex is because they are also inconsistent, which cause them to be inconsistent together with the market and most of them are expecting consistent positive results. The fact of the matter is that two variables will not produce a consistent result and the market will not change but the only factor that can be changed is the trader’s consistency. Consistency in applying his or her trading strategy, consistency in trading success is everything!

A Forex Trading System can have the best characteristics and the best indicators and everything needed to make a big success of trading, but if the trader cannot apply the plan consistently without the necessary discipline, then even the best Forex Trading System will not produce profits.

The Euro Forex Trading System teaches novice as well as experienced Forex traders the key ingredient of success namely consistency. The Euro Forex Trading System is the edge we apply in the market to produce us with great results, but without applying the plan we may just as well try to gamble on the market. The biggest challenge in trading is not to have a trading system that works, but to have the courage and discipline to apply the winning principles of a profitable Forex Trading System like The Euro Forex Trading System.

Discover the secrets of a winning Forex Trading System by visiting us online at euroforextradingsystem.com for more information. Make sure that you check the testimonial part of the website where our clients are expressing their gratitude’s towards the winning Euro Forex Trading System.

Phil Smulian is a reviewer for Forex specialist and supplier of services, Euro Forex Trading systems.

A Free Forex Trading Tool Forex Trend Indicator

A Free Forex Trading Tool Forex Trend Indicator

If you are looking for tools to help you improve your finances while trading forex. There are some free tools available on the internet that can be beneficial and helpful in your currency trading endeavors. Forex trend indicators are tools that monitor and detect the trend of currency. It can be quite useful when trying to make trades without letting emotions get in the way.

A free forex trend indicator can help you decide whether to buy or sell a currency. It will know if the trend is heading up or down and notify you. By knowing, you can base your buy or sell trade on the trend of the market. This is quite beneficial for you if you’re a trader looking to make trades daily while researching and monitoring the markets.

It is quite easy to find a free indicator online you just have to do some searching. These systems aren’t that sophisticated and typically run off of a common platform such as Meta Trader. They are very easy to setup and work almost instantly in demo and live modes. Usually they label the graph with some sort of notification to tell you the trend of the market. For example, it may show an arrow or word UP or an arrow pointing down and the word DOWN.

On the other hand, this tool isn’t always useful for everyone. If you are unfamiliar with forex trading and don’t know how to use the direction of the market to your advantage there are other tools to consider. You can follow a professional trader, use a robot, or learn by doing research and then use the tool.

By reading eBooks, Books, following professional traders, watching training videos, and utilizing this tool you can learn to be an expert trader in no time. Or depend on an automated system such as an expert advisor that will make careful and calculated trades that can result in positive cash flow. This is a great way to benefit from the currency markets without spending your valuable time on learning how to trade and especially how to make successful trades.

The bottom line is the forex market is worth researching it is an alternative way to invest your money that most people do not consider. It can be quite profitable if done right, and the best part is it’s always trading, except on weekends. You can trade at late hours of the night. It is exciting to play this market and everything is at a faster pace than the stock market.

Unlike other markets, the currency market tends to not be affected by news and other political or economic factors that the stock market is affected by.

Effective Solution To Financial Borrowing Mismanagement debt Negotiation

Effective Solution To Financial Borrowing Mismanagement debt Negotiation

When an individual is in deep mire of debt and no efforts at correction are effective to stop the downturn, what does one do? It is surely not the end, but its time to be patient and adopt a practical approach to tackle the debt trap. The individual should try to negotiate debt to handle this debt situation effectively. debt negotiation involves understanding the amount you owe to the lender, negotiating with the lender to arrive at a new discounted amount. Home loans and credit card loans are examples where one can negotiate debt.

In recent times, the United States is experiencing an increase in loan defaults. According to OCC and OTS reports in April 2009, the fourth quarter of 2008 saw home loans register a delinquency of 2.4 percent from 1.1 percent for third quarter. In credit card sections, Bank of America registered default rate of 10.4% in April 2009. The figures confirm the problem at hand; hence, debt negotiation should be looked at a very important option of getting your way out of the financial cauldron.

Curbing your financial expenses should be the first step if you seriously want to negotiate debt. Rationalizing spending is key to financial control and any debt negotiation should not be taken up unless there is a tight leash on expenditure. So what makes the lender negotiate the debt? With negotiation, the lender spends less time, money and efforts in recovering the loan. The major benefit for the lender is that there is some amount that is recovered, which would otherwise be lost, if the borrower files for bankruptcy.

Also, getting into legal methods to recover the loan would involve money and time. Further, the credit companies are always aware of the fact that a certain percentage of loans will default, hence if they can salvage some amount from the lost cause, it definitely would improves their financial position. Hence, in such tight financial situations world over, debt negotiation assumes significance for the creditors as well.

There are two ways to counter financial mismanagement, debt consolidation and debt negotiation. Debt consolidation means rather than paying for all cards you can close all cards and put the outstanding amount on one card. It helps in keeping track on the repayments and lower interest rates from the negotiators. debt negotiation can be done when the borrower is neither able to pay off the entire amount, nor able to pay the monthly payments for the past 3 months. In short, an individual can negotiate debt and mutually agree upon a lower amount than the total outstanding amount, which is accepted by the creditor as full and final payment towards the total due.

Dynamics Gp Partner Newsflash Tax Tables Update Service Overview

Dynamics Gp Partner Newsflash Tax Tables Update Service Overview

Microsoft Dynamics GP, formerly known as Great Plains Dynamics and eEnterprise US Payroll module requires periodic payroll tax rates update. For large number of employees in your organization, especially when you have locations in multiple US states, you probably want to do quarterly tax update. If you are current with Microsoft Business Solutions annual support plan, you have access to Payroll Tax update utilities through your GP Customer Source. If you are no longer enrolled in annual support plan, you should check with your current Dynamics GP VAR if your current Great Plains version is still supported and you could receive Tax Updates from your GP Reseller. In this small publication we would like to give you the idea on limited payroll tax update service for old versions of Great Plains Dynamics GP:

1.Payroll Tax Rate Tables in Dynamics database. Tax rates are stored in system database of Great Plains, which is Dynamics. So, updates is done only once on the system level, and it should take effect immediately for all your companies

2.Limitations of Tax Update for old versions. GP versions 8.0, 7.5, 7.0, 6.0, 5.5, 5.0, 4.0 and earlier are no longer supported by Microsoft and Payroll Tax update download is not available for these versions. However, you should expect that some of the States changed their Tax calculation formulae and it is not possible to use old formulas, incorporated in Dynamics.DIC business rules logic. At this time we are aware about Missouri, so if your employees are there, please consider reenrolling to MBS support plan and upgrade your Dynamics GP to supported version 10.0 or 9.0. The other option would be to request GP Dexterity custom programming to update Tax Calculation formula in your old Great Plains version

3.Tax Rates Update Technology. We do understand your situation and we copy current tax rates to custom table and then from there we update your outdated tax tables in Dynamics database. This procedure typically requires four hours of Great Plains Technical Consultant time

4.Tax Update for Pervasive SQL and Ctree databases. This update requires some help from your IT department. Our preferred method is to use Microsoft SQL Server 2000 Enterprise Manager, create Linked Server to your Pervasive SQL or Ctree database, and update tax tables through heterogeneous SQL Update statement. If this is your case, please budget eight hours for the procedure. A bit more exotic case is when you host your Great Plains in Mac Faircom Server (Ctree)

Cp 91 – Tax Masters Explains What Irs Notice Cp 91 Means

Cp 91 – Tax Masters Explains What Irs Notice Cp 91 Means

What is a CP 91?

Similar to a CP 90, A CP 91 is a final notice before the IRS puts a levy on your social security benefits. Basically, the IRS is letting you know that they will be taking money out of your social security benefits to pay off the taxes you owe. If your monthly benefit is more than $750, the IRS can garnish 15% of your monthly benefits for taxes that are at least six months overdue.

How serious is a CP 91?

On a scale of 1 to 10, this is a 10! You will not be receiving any more notices and the IRS will be taking your social security benefits. You need to act quickly if you want to try and stop it.

What can I do when I receive CP 91?

Whatever you do, DO NOT ignore the CP 91 tax notice! That will only ensure that your benefits are taken and you will be put in bad standing with the IRS. Because this notice is so serious, your best bet is to contact a reputable tax resolution firm, an enrolled agent, CPA, or tax attorney familiar with tax debt cases. You have a decent shot at a good settlement because you are past your earning years. When settling your taxes, however, you must show hardship (form 433-A) and must be able to come up with the money to apply ($150) and 20% of the amount that you propose to settle the debt for. Plus, you have to show where you got the money to pay for this process and how much you plan to pay and when (An Offer in Compromise- form 656). Having a tax representative to get all the documents, forms, and finances in order, in a way that the IRS will accept, can really increase your odds of a good settlement.

If you dont qualify for An Offer in Compromise there are still some things a tax resolution firm can do to help you. They might be able to set up a partial payment plan (where you only pay what you can afford every month) or get the IRS to declare the debt uncollectable. Bottom line is, you have to do something because your benefits are at serious risk.

Important Information about CP 91:

The IRS may start the process of levying your Social Security benefits before your 30 days is up, because they know the system is typically slow. In other words, you need to deal with this IMMEDIATELY (it may already be too late). The IRS will not deal with a tax payer in any way before they have filed ALL delinquent tax returns. In other words, before you can stop a levy, you must have filed all old returns. There are NO EXCEPTIONS!

Disclaimer: The above should not be taken as tax advice, but as some common sense responses to an IRS notice.