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You Probably Just Think There Is Only One Type Of Accountant

You Probably Just Think There Is Only One Type Of Accountant
By [http://ezinearticles.com/?expert=John_Tahan]John Tahan

The most popular type of accountants are public accountants. Public accountants has the widest range of accounting, then any other type of accountant. Unlike other types of accountants, public accountants can work for individuals, businesses and organizations, as well as be utilized by government agencies. There is no limit to who public accountants can work for, which is why public accountants are the ideal accountants for job seekers in the accounting field. A large amount of public accountants are self employed with some also working for various CPA firms.

Public accountants also have a wide range of duties. They can be tax preparers, consultants, financial strategists, or work hand in hand with law enforcement agencies in the field of forensic accounting. There is virtually no limit to what public accountants can do. However, there are laws that prevent public accountants from performing multiple duties for the same clients, which is to limit a public accountants power to a single group.

The next type of accountants are Cost accountants also known as management accountants. These type of accountants are used in major businesses and organizations and are essential to the functioning of a business. Cost accountants do not have as many duties as public accountants, however, their duties are of high value and extremely important. Cost accountants are in charge of such things in a business as budgeting, giving continual evaluations concerning the business, it s finances growth and liabilities as well as financial information regarding costs and assets for the company. This is a major role within a business or organization, which is why cost accountants are valued by such groups. Without public accountants, businesses would not be able to survive.

Government accountants are the last type of accountants. Governments accountants have the most specific of duties then any other type of accountants, which to to work in the bets interest of the government and the public within that government. Government accountants not only keep track of businesses records as well as the publics records, but they also ensure the fulfillment of tax obligations. Government accountants also make sure that the financial laws and regulations are being followed by businesses and individuals.

As you can see, the accounting field offers not only different fields for accountants to go into, but it also offers many different options for accountants to explore within those three classifications. Accountants hold a high value within not only businesses, but also in our society as a whole. The role on an accountant is essential to operate our financial needs.

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How Much Do I Charge For Bookkeeping?

How Much Do I Charge For Bookkeeping?
By [http://ezinearticles.com/?expert=Glenda_Lange]Glenda Lange

When you are thinking about running your own bookkeeping service, one of the main questions you need to answer is how much you will charge. There are a number of aspects you need to consider when working out an hourly rate. This is how I work it out.

Firstly, you need to find out the rate you would be paid if you were an employee working for someone else. This is your base rate. You then need to think of all the other benefits you would get as an employee that you won't get as a contractor.

If you live in Australia, you would be receiving superannuation from your employer on top of your base wage. Add this to your base rate. Make sure though, that you do put this amount into your super when you are working for yourself. Any money that you personally put into your super fund is a tax deduction and the government is also rewarding people who pay into their own super by adding to it at the end of each tax year.

Workers compensation also needs to be included in your calculation. Although you may be working at the business premises, if you re not an employee you will not be covered by the businesses workers compensation. It is a simple matter of ringing Work cover and they can give you an estimate of what your yearly fee would be to be covered. Whether you decide to take out this cover or not is up to you.

The last real cost you need to consider is income protection insurance. As a contractor, you do not get sick pay so if you are in an accident that is not work related you could find yourself being unable to work and therefore have no income. This insurance should also cover you if you do not have workers compensation cover. Contact your insurance agent for a quote and make sure you find out what you will and won't be covered for.

Now that you have these four figures, you will need to add the yearly amounts together, divide that by fifty-two to get your weekly rate, and then divide that by 40 to get your hourly rate. This rate is what I would class as "mates rates", the amount you would charge your friends and family. I then add $5 per hour to this rate for people that I don't know personally.

You now have a rate that is a little more than what you would get as an employee. The next step is to phone other bookkeepers in your area and find out what they are charging. If they are charging more than your calculated rate, great! This mean you can increase your rate and remain competitive. If they are charging less, you can reduce to your rate to stay competitive or keep your rate as it is and rely on businesses hiring your for your expertise rather than what you charge. If you reduce your rate below your calculated "mates rate, then you may as well work for someone else.

You are a professional, so your hourly rate is the same whether you are doing data entry or taxation. Think about what your accountant charges. Does he have different rates for different levels of accounting? I haven't found one yet that does.

Glenda Lange is a bookkeeper with 21 years experience and a Certificate in Commerce from USQ. She is the auther of Beginners Guide to Basic Bookkeeping for Small Business and the owner of http://www.glendasfreesite.com.au

Article Source: http://EzineArticles.com/?expert=Glenda_Lange http://EzineArticles.com/?How-Much-Do-I-Charge-For-Bookkeeping?&id=1015948

Depreciation - Useful Life, or Economic Life

Depreciation - Useful Life, or Economic Life
By [http://ezinearticles.com/?expert=Sean_Goss]Sean Goss

Depreciation is the definition in accounting for a reasonable estimate, in monetary terms for the devaluation of an asset over a period in time. Since most assets are capitalized on the balance sheet, in financial statements, the "cost of depreciation", is provided as an expense on the income statement.

Many debates on depreciation are continuing in accounting circles, since it is difficult to establish what would constitute a "reasonable estimate". It was furthermore accepted, until recently, that land and buildings cannot depreciate, but appreciates. Recent developments, however, have now proposed depreciation on buildings.

Tax "write-offs", on assets complicates matters further, since prescribed statutory rates for tax deductions are higher than depreciation rates, thus creating variances between tax values and book values of assets.

It is my contention that asset accounting can only be performed thoroughly, with the assistance of an astute accountant. The accountants expertise, on fixed asset registers, accounting standards and firm grasp of tax legislation is vital.

Whereas tax writes offs on assets are higher, the trend in accounting is to depreciate assets in terms of its useful life, and not its economic life. The prescribed rate for a computer in tax would be three years or 33, 3%. (depending on the tax regime of the country).But a business could only use it for 6months and sell it as a scrap. This 100% provision for depreciation, as useful life, should be factored in. Office furniture could be utilized for 5 years, and then scrapped, but tax rates could prescribe four years, for a tax write off!

The rate that businesses would depreciate their assets at coincides with the economic life of an asset. So accepted economic life is useful life for business assets.
In not-for-profit organizations and other community establishments, such as churches etc. the picture becomes very confusing. Churches will retain assets such as furniture for up to 40 years. Even computers that businesses normally upgrade from 6 to 12 months are used for 3 to 4 years!

So if the useful life method is applied, in not-for-profits ,assets could have a depreciation rate as low as 2%. Accounting standards expect fair presentation. Depreciation rates, for not-for-profits and other community organizations,should be carefully applied.

No one expects a business owner or director, of a Not-for- Profit Organization to understand these concepts, just to ensure that at the very least, a proper asset accounting system is in place.

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Chart of Accounts - An Organization Structure

Chart of Accounts - An Organization Structure
By [http://ezinearticles.com/?expert=Sean_C_Anderson]Sean C Anderson

The chart of accounts should have a simple and logical organizational structure. More so than that last sentence. I personally prefer to use five digit numbers for primary accounts and 3 digit numbers for sub accounts.

There are many concerns to address when coming up with a chart of accounts. Short and long terms considerations have to be taken into perspective. Many accountants would disagree with me whole-heartedly but this is the one time in accounting that you should avoid being conservative. I like to create a chart of accounts that can weather the storm of business to come. Dream about where you want your business to be, take into scope international possibilities and make your accounting structure flexible so you can quickly adapt to business events.

When developing a chart of accounts consider the business type, industry, business function, standard industry practices, the needs of managers, the possibility of inter-company transactions and the flexibility of your structure.

The number structure should look something like the following

00000 - Short-term assets

10000 - Long-term assets/Intangible Assets

19000 - Depreciation and Amortization

20000 - Current Liabilities

30000 - Liabilities

(I like to have short-term notes and long terms notes correspond to a similar the digit extension 25860 - Short Term Note Payable 35860 - Long Term Note Payable and even the A/R and A/P are on different sides of the accounting equation I line them up as well. It is a part of a better logical structure and assist in memorization of accounts).

40000 - Equity

50000 - Income

60000 - Operating Expenses

70000 - Administrative Expenses

80000 - Taxes/Interest/Extraordinary Income(Expense)

If you really want to spend time developing a chart of accounts you can try to best align closely related income and expenses. Keeping in mind that if payroll expense for plant workers is 60100 that 70100 should be salary expense for sales and administrative employees.

Now to specifically address some of the considerations above. Will start with business type. This is important for obvious reasons. Business revolving around service are obviously going to differ from those revolving around products and retail. For example a manufacturing has to keep track of inventory traveling from cost center as it develops from raw materials and purchased parts to WIP (works in process) to a Finished Good. While a retailer may only need to keep track of inventory and a service potentially may not even need an inventory account.

The industry from within a company operates is also important to consider. This is predominantly due to GAAP you want to be sure to setup a chart of account that will allow the business to remain conducive to the industries standard accounting practices.

Other concerns include the needs of managers. For instance managers typically like a smooth trend of expenses. I personally, don't think this is highly important but you may have the need to setup up several accruals that operate from a budgeted number or you may want to setup a permanent accrual to eliminate the need to perform that operation monthly. It is really only necessary to true this account up at the end of the year if payment amounts are based on an estimate.

Inter-company transactions are also highly important especially when dealing with foreign businesses. The foreign factor involves minimizing tax liabilities while still managing cash. After all you don't want to get all your cash tied up in one country. This is all done through transfer pricing, which I am not yet qualified to address.

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Keystrokes 4 Cash Review

Keystrokes 4 Cash Review
By [http://ezinearticles.com/?expert=Callie_Benton]Callie Benton

Keystrokes 4 Cash is a popular type at home program which promises to help members create their own income working at their computers. But with the huge amount of work from home programs out there it is difficult to tell which are legitimate and which are just scams. This Keystrokes 4 Cash review will discuss the program and its advantages and disadvantages.

This program promises to teach a system where members can learn how to earn money typing data into simple online forms and submitting them. These online forms are actually advertisements for companies, and when a sale is made commission is earned. The step-by-step instructions make it easy to understand and to implement but it can take a little time before the money starts coming in. It can certainly be done part time, although 30 minutes a day as advertised on the website is a bit unrealistic. At the beginning one should expect to spend a few hours a day learning and implementing the Keystrokes 4 Cash system.

Advantages:

· No need to have any special equipment, experience or skills. Access to a computer with internet, and a willingness to learn the system and put it into action are a must.

· Opportunity is available worldwide.

· Good potential for earnings.

· Keystrokes 4 Cash has a money back guarantee.

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· Even though it is possible, it is highly unlikely for most people that they will earn as much as $2250 per day as claimed on the website. A more realistic projection would be $100 - $300 per day.

· There is a slight learning curve. Even though the step-by-step program is detailed it may take a little while to get used to it. The website claims it is easy money - and it is, but only once the system is learned and perfected. Like anything it takes time and effort in the beginning.

Before joining any program online it is important to research it carefully and see what others are saying about it. Keystrokes 4 Cash might be a great program for one person but might not be for everybody.

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Where to Watch DBZ Episodes Online

Where to Watch DBZ Episodes Online
By [http://ezinearticles.com/?expert=Bridget_Mwape]Bridget Mwape

DBZ is short for Dragon Ball Z and many fans use this to refer to this show or specific episodes on the series. If you want full length shows for GT, Z and all other dragon ball TV shows you will have to do a little bit or research online. But if you just want some clips, video sharing sites like YouTube have plenty of clips that you can view or watch. Just go to their website and do a search for the episode that you want and you'll get several listings of videos that users have uploaded and that you can watch over the internet.

DBZ is a very popular Japanese animated TV series produced by Toei Animation (used to be produced by Toei Doga). It is the sequel to Dragon Ball Anime, the first 16 volumes of a 42 volume Dragon Ball Manga series created by Akira Toriyama. DBZ adapts the last 26 volumes of the original manga (Manga is the Japanese word for comics). The series features the adventures of Son Goku and his companions who defend the Earth and other fictional planets from different super villains. The series has lots of fans and viewers worldwide and thousands of people search internet search engines looking for news, episodes, games and more online. The series has finally become extremely popular in the US too. Here are some tips to help you locate and find places where you can watch Dragon Ball Z episodes online over the internet.

One of the easiest places to find links to video streams to the series is the discussion sections of fan sites. The series has millions of fans some of whom have set up websites where they frequently post gossip, news and other things. Some sites have discussions forums which are quite helpful if you are looking for specific information about the show. You will normally find a knowledgeable person who will be able to tell you or provide you a link to a site where you can find the information or video streams that you need. Remember, there are lots of fans who are looking for the same episodes that you are after and many committed fans usually like to share their discoveries with other fans. So fan sites are a good place to start if you are looking for DBZ episodes or where to download and watch them online.

You can also watch the episodes from the websites of the television stations that are currently airing the series. Just look in the TV guides provided by satellite and cable television companies and make a list of the channels that are showing the series. Next visit their websites and find out if they stream or web cast their programs online. If they do, then you don't have to look any further unless you are looking for particular episodes.

You can also try checking TV guides for international and foreign TV stations. There are many sites online that lists these stations including their internet TV streams so that you can watch their programs using windows media or the Realplayer. Note down the ones that are showing the DBZ program and bookmark them so that you can find them easily next time you want to watch an episode. There is also software that you can use to pick up TV streams from thousands of TV stations. If you do a search online, you'll find a lot of search engine listings with different software offering this type of facility. In order to make a good choice, read several reviews about the software from various independent sites so that you don't get ripped off.

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Term Life Insurance - Affordable Rate And How To Get It Without Exposing Yourself

Term Life Insurance - Affordable Rate And How To Get It Without Exposing Yourself
By [http://ezinearticles.com/?expert=Chimezirim_Chinecherem_Odimba]Chimezirim Chinecherem Odimba

Term life insurance affordable rate: A life insurance policy is usually an extra weight on your budget. I guess you'd like to buy term life insurance that gives you satisfactory coverage at the least rate possible. Knowledge plays a truly vital role here. I'll touch one important step in this article.

First off I'll deal with issues that will help keep you from exposing yourself while you shop for term life insurance at an affordable rate...

1) Life insurance is one that you truly need to have with an insurance company that has a solid reputation. Do NOT make the mistake of picking an insurance provider without knowing their standing. Different insurers have peculiar philosophies in business. These determine their policies. Ensure you are satisfied with the insurance company you intend to use. Therefore, take your time to find out from insurance companies rating services to be sure you're in good hands.

2) For those who intend to switch once they get a more affordable term life insurance rate: Make sure you do not terminate your current life insurance policy until the new one is in force. If you do you'll be without insurance for the period. This isn't good as it means you don't have any life insurance coverage at the time should anything happen.

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Credit After Bankruptcy - 3 Things To Know About Getting a Loan After Bankruptcy

Credit After Bankruptcy - 3 Things To Know About Getting a Loan After Bankruptcy
By [http://ezinearticles.com/?expert=Carrie_Reeder]Carrie Reeder

Most people have needed a little extra cash at some point in their lives. And just because you've declared bankruptcy doesn't mean you can't get approved for a loan or line of credit! However, your special circumstances mean that you may have to accept some conditions, such as:

HIGHER INTEREST RATE

Since your credit history has some black marks, lenders will view you as a riskier borrower. From their perspective, you're more likely to make late payments, miss payments or default on your loan. In an effort to balance out this risk, many lenders will charge a higher interest rate to borrowers who have declared bankruptcy in the past. Although you can expect to pay a rate that's one or two percent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

HIGHER FEES

As with the interest rate, the higher fees are your lender's way of balancing out the risk of lending to a borrower who has declared bankruptcy. You may have to pay extra charges--like an annual fee on a credit card--and you may have to pay higher "extra" fees. For example, a late payment charge on your loan might be higher than average. Again, be wary of any loan company that seems to be charging you exorbitant, unusually high fees.

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You may need to offer some type of collateral to be able to obtain credit or a loan after bankruptcy. If you're trying to get approved for a credit card, choose a "secured" card that uses a cash deposit from you as the collateral on the money you borrow. For other types of loans, you may need to offer your house, car or other valuable possession as collateral.

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Affiliate Junktion Review

Affiliate Junktion Review
By [http://ezinearticles.com/?expert=Paul_Van_Aspert]Paul Van Aspert

Affiliate programs come and go; many are incredibly successful, while some are dismal failures if not downright scams. Affiliates come and go as well, for a myriad of reasons, and I think the number one reason is the lack of investigation before jumping in with both feet. Like the old adage goes; 'Fools rush in'.

So, before diving into the sea of marketing and promotion, a person really has to test the waters first. You really can't investigate your potential choice of programs enough, and there are plenty of free and truly useful tools available for you to download and use for your investigation.

Here's a few examples of the things you should be looking into, I call it page metrics, or stats interchangeably, page rank is measured by all the larger search engines, Google, MSN, Yahoo, Altavista etc. these statistics will give you a pretty solid idea as to a websites' success and popularity.

The WayBackMachine is also an indispensible tool that's just a click away.

WhoIs Lookup, also a necessity, with this you can find out how long they have been around, where they are located and lots of other info. Also an excellent source for information for both affiliate programs as well as great tools, are forums dedicated to just that, reviews, hints, tips, tricks and of course tools.

I've been doing my own investigation now for about four weeks, and my target of interest is Affiliate Junktion.

Actually, I signed up for Affiliate Junktion four weeks ago; I've seen their ads about two or three weeks earlier than that though. I use ClixSense, both for advertising and to find potentially good offers by looking at ads, Affiliate Junktion really started to stand out because of the frequency of their ads. So I decided to click on the ads and go to their landing page. From there I'd start my investigation, the first thing I check is the WayBackMachine.com, but in this case there is nothing to find, which indicates that Affiliate Junktion is no more than six or eight months old.

Now, this is usually the first thing I do just out of habit, next I go after the page rankings. For a website that's only six to eight months old, Affiliate Junktion has some pretty impressive numbers, with an overall PR of 3/10-- Alexa 42,532 and Compete.com at 44,982-- WOW! That is impressive for a website that's so new.

Let's compare this to Magnetic Sponsoring from Mike Dillard, who is a very successful online entrepreneur, his websites stats are as follows... WBM March 9, 2005 overall PR 1/10-- Alexa 22,200 and Compete.com 61,249-- this site is almost three years old and very popular. I'll be writing a review about Magnetic Sponsoring another time.

Signing up, the landing page is mercifully short, I really don't care for the so called silo type landing page, I find they are way too much to read and its usually the same thing repeated over and over again, one testimonial after another, Affiliate Junktion has one testimonial, and a very rare offer, "Register today and you will receive a $75 bonus payment just for signing up to our program". And then for every sign-up you generate there is a $2.00 - $5.00 commission. The more sign-ups you get the higher the pay rate.

After sign-up you receive an e-mail describing how to proceed, this is when the real decision is made, the cost out of my pocket was $60.25 CDN (price will vary according to the exchange rate) and this is what I received:

· 1,500 MB disk space

· 15,000 MB monthly bandwidth

· One FREE Domain Name

· SSL/CGI/PHP

· 25 MySQL databases

· E-Commerce enabled

· Marketing / Content Package

· $30 Google AdWords credit

· $50 Yahoo Search Marketing credit

· Choice of website builders and templates

· Host 25 domains in one

This website hosting package is an amazing opportunity to grow and expand your online presence, I've installed WordPress blogging software as well as a forum from phpBB for the future I plan on installing Moodle, which is a course management system designed to help educators who want to create quality online courses.

With a package like this the sky is not the limit; a person could create any kind of web presence he or she could imagine. Creating multiple streams of income with this package would be a snap! And you can do all of this from the comfort of your own home.

All this plus the $75 sign-up bonus (I already have a profit of $14.75) I challenge anyone to find a better deal than that. If you have any questions or comments about Affiliate Junktion or the tools and websites I've mentioned you can e-mail at:

[mailto:siriuscomputers@gmail.com]siriuscomputers@gmail.com

I hope you find this short review helpful and informative, I'll be writing more reviews about affiliate programs and the things that go with them. You can also visit my Blog to learn more about me and what I'm up to. It's a work in progress and I hope it stays that way.

Thank You,

Paul van Aspert http://sirius-money.com

Article Source: http://EzineArticles.com/?expert=Paul_Van_Aspert http://EzineArticles.com/?Affiliate-Junktion-Review&id=977549

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