Knowing the Right Software for Your Business
Before downloading any software program, your first step is to figure out what you need as a company. Downloading a finance software can be beneficial if you find that your books are becoming disorganized and you need help establishing a budget. A lot of new businesses fail because of financial issues, so keeping a budget established and organized is going to help you with these types of things.
There are also programs out there available to business owners who need to keep schedules of clients and client information tracked on their computers. If you own the type of business that sees the same clients over and over again, like a doctor’s office or pest control service center, you really want to keep the information on hand for each client who you happen to see. This will give you a much more professional appearance when they actually do come to your office and are looking to make use of your services once again. Scheduling software is designed to keep track of this information and for you to figure out which client is coming in on what day.
How to Find Software for Free
Finding these types of software programs for free can be a little tricky because most of the time, you do have to pay for them. One thing to utilize would be search engines and looking specifically for either business finance programs or scheduling programs that are free to download and use. Certain programs are only trial-based, so they may not have all of the features you need unless you buy and download the full version.
Even though it might seem difficult to find free software for your desktop, it definitely is not impossible. There are quite a number of ad-based programs that allow you to download and use the software in minutes so long as you put up with the ads that are found in it. Most of the time, free programs like this work just as well as the ones you actually pay for and use. You will find that by using this type of software regularly will help to keep your company working professionally so that you do not have to worry about mistakes being made with scheduling or budgeting finances. All businesses should make use of this type of software and knowing that you can get it for free on the Internet will make your life as a brand new business owner a lot easier in the long run.
- Skype is a great free communication software owned by Microsoft which gives users access to voice and video messaging and conferencing. Premium features also allow users to receive lan phone calls on their from the program.
- Libre Office is a suite much like Microsoft Office, it provides users with a word processor, spread sheet, data base, amongst other tools, it supports all of the MS Office formats and it’s completely free
- Mozilla Thunderbird is a Email Client which supports standard pop and IMAP email protocols. It’s very easy to setup and use with Gmail and various other email services. If MS Outlook is just outside of your budget you should defiantly give thunderbird a try.
- A Servecorp virtual office may not be free but it can defiantly save you money when compared to a traditional office lease and employee costs. Visit their site learn more.
Home Financing for First Time Buyers (Solved)
Rising house prices have necessitated the raising of larger deposits, and first time mortgages have fallen in number. In addition, lenders have become more wary, which means financing a home has become even more difficult for people with poor credit.
With all of this in mind, if you’re considering purchasing your first home it’s absolutely imperative that you are aware of, and understand, all of the financing options which are available to you. In this way, you will be much more likely to succeed in making that first step onto the property ladder.
Securing a Deposit
For a first time buyer, finding a deposit will be the initial hurdle to overcome. The bigger a deposit you have, the more competitive a mortgage you will be able to take.
If you have no savings, you may be thinking about taking out a loan to cover the cost of your deposit. This can be a great idea, providing you have the income to back it up. But even if you don’t, many first time buyers are finding that they can raise the necessary funds by asking relatives to take out secured homeowner loans. This type of loan often comes with a lower APR when compared with some other forms of credit, and can be a fast and easy way to raise a much needed deposit, for further details on homeowner loans click here.
Similarly, many first time buyers opt for a guarantor mortgage, which involves another person providing your lender with extra security by acting as a guarantor for your mortgage payments.
Finding a Mortgage
There are a small number of mortgages available which have been specifically designed to help first time buyers onto the property ladder, including low deposit mortgages and Save to Buy accounts from banks and building societies. In fact, over the past few months lending has increased for first time buyers, providing many with first time buyer mortgage options that wouldn’t have been viable – or available – even a year ago.
One of the most important parts of securing a mortgage for your first home is deciding on what kind of mortgage would be right for you. Options include:
- Fixed Rate
All of these options have their benefits and their drawbacks. For example, fixed rate mortgages are straightforward and will allow you the opportunity for better budgeting, because you know exactly what you’ll be paying for a certain period. However they can involve costly penalties in the event that you want to repay early. By contrast, variable and tracker mortgages are more risky because rates can go up and down, but come with more flexible repayment options.
Winners and losers in the great state pension shake-up
Less money worries?
Right now, the current state pension system is hard to understand for many people who are at or near the retirement age of 65. They have to work out how much they have paid in National Insurance contributions before they know how much money they’re entitled to, plus there’s possible income from annuities or other pension products to take into account.
The simplification of state pensions is seen by many as long overdue. Retirees will soon find it easier to know what they stand to receive (if they have made NI payments for at least 10 years), but what else could the great pension shake-up mean aside from more money?
At the moment, it’s easy to be confused about the details of pensions. Highstreet Wealth Management can assist with transferring pensions and can also provide you with clear information and advice you’ll need to go through the pension process. With auto-enrolment being enforced in every employing company in the next five years, it’s a better time than ever to look up exactly on what a pension can offer you.
The new-look state pension will benefit some people more than others. Those currently receiving state pension payments will be unaffected, but for those due to reach retirement age by 2017, they can expect:
- To qualify for the full amount, claimants must have made 35 years’ worth of NI contributions
- Broadly known as a ‘flat-rate’ pension, the maximum payment is £144 per week, although some will receive less due to paying less NI
- Some higher earners who have paid into a workplace pension scheme won’t receive additional benefits from top-up schemes
- Most additional pension payments from workplace or other schemes will still be received in full
- The state pension age for women will rise to 65
- Those who reach retirement before the changes come into place can’t wait until that time and take out the new state pension
- Anyone on a final salary scheme may have to pay more in NI per year due to their level of income
- The flat-rate pension seems to be a good idea, not least because it could spell the end for confusion over pensions. Whether or not it will work is a question that’s yet to be answered, but any move made to benefit retirees will surely be welcomed.
The History of Checks as a Form of Payment
A long time ago, if you can believe it, people didn’t used to pay for things with cash. Most economies were run via a system of trade goods, and eventually currency in the form of coins became popular. As much as I would love to own a swimming pool full of gold coins just like Scrooge McDuck, going out for a day of nails, hair, and spa treatment in a world operating solely on rare-metal currency would be anything but relaxing—in fact, it would probably closer to an all-day chore—because of the sheer amount of coin that I would have to carry around.
I know plenty of people that don’t even like carrying paper cash around in their purses/wallets, and paper cash is no burden to carry. It’s a matter of security for them, because they don’t want to lose the money that they have on hand.
The first instances of checks seen in history were created exactly for these reasons. From the Persian Achaemienid Empire that spanned 550—330 BCE came the first recorded usage of checks, called “chek” in the native language. In India from around 320—185 BCE an instrument called the adesha was used very similarly to the way that we use checks today, and Romans began using what is called praescriptiones in the first century BCE.
Checks became even more popular in both the Muslim and Christian worlds, especially when trade between the two became widespread. Because large sacks of coin weighed down transport livestock and essentially presented big targets for bandits that were accustomed to attacking trade caravans, these long trips required that some kind of checking system be put in place. Muslims introduced the saqq, while Christians and the secretive Knights Templar introduced their own checking system.
The Knights Templar set up “houses”, which were essentially banks, that travelers could deposit currency into and then withdraw at a different location by showing the house a draft. Drafts are particularly interesting because of the way that they were drawn up—unlike regular checks that display the name of the recipient and amount in plain text, the Templar’s drafts were written in a complex code that only the Templars and Nicholas Cage in National Treasure would have been able to decipher.
Some form of check eventually shows up in almost every civilization’s economy, and checks are still being used today. Technology has obviously made the system of distributing, clearing, and even personalizing checks not only more available but, some cases, possible. So the next time you’re out for a day with your girls getting your hair and nails done, be thankful that you don’t have to carry around a giant sack of coins and can just pull out your checkbook instead.
Annie Harrington is a small business owner and freelance writer. Outside of work-life, Annie revels in design and the design process. She currently works with Vista Print, a company that specializes in creating business cards and ordering checks.
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