Posts

bundle cloud computing - Complete Controller

Cloud computing in IT infrastructures will be the next big thing and needs to include a commitment to increase efficiency, flexibility, and cost reduction in external hosting and bookkeeping. The fact is that cloud computing has real value. It refers to the new method of computing infrastructure as well as the more efficient use of resources of logical calculation steps. Companies can change their business model and gain a competitive advantage for early users of cloud computing technologies.

Although cloud computing offers a wide range of business benefits, they will focus only on the most effective ways. Here are some of the significant benefits of cloud computing for businesses: Check out America's Best Bookkeepers

Save Money

Perhaps cloud computing is one of the most important advantages that a company can save on IT expenses. Regardless of the size or type of activity moving to the cloud, businesses can save a lot of money by reducing hardware, software, and infrastructure costs. This reduction allows you to hire additional Internet processing features without using the millionth machine as a server. Instead of spending a lot of money on the purchase of hardware, software, or licenses and extending the rights, it will reduce capital and operational costs through cloud service provider resources. Unlike most cloud service contracts, this includes the price of system updates, such as new hardware and software. Also, by switching to the cloud, you can avoid hiring IT personnel and save the energy needed to manage your data center.

Scalability Check out America's Best Bookkeepers

Another significant advantages of cloud computing are its scalability. Your company may expand or contract in proportion to the company’s operation, conservation, and resource requirements. It may be necessary to adapt quickly to these changes to provide flexibility in case of changes in demand. Sometimes your business may need to hire more staff to grow the business. Using a cloud-based service provider will allow your company to upgrade or reduce the size of existing resources in line with business requirements or changes quickly.

Efficiency in Cooperation

A cloud computing model allows your business to communicate with greater efficiency and share more efficiently in addition to the traditional method. Significant collaboration between employees is permitted, allowing multiple users to exchange data and process documents simultaneously. Cloud designers and specialists in the construction company can easily spend most of their time overseas to work or live in different locations, for quick access to information related to work.

Flexibility

Professional’s cloud computing offers greater flexibility in work. Suppose you need to access your files and data while you are away from home or home. In that case, you can quickly and easily connect to your virtual office from any device with network support. Check out America's Best Bookkeepers

Enhanced Security

Another significant advantage of cloud computing is that cloud service providers adhere to advanced security protocols to ensure data protection. Cloud providers offer business services, in addition to regular security checks. These providers use a multi-tiered approach, including data encryption, key management, access control, and security, to join high-security standards to increase data security. Because the cost of implementing these security measures is per user, many individual customers cannot afford it.

Integrated Business

Cloud support solutions are an essential part of an integrated backup, recovery, and business continuity strategy. In the event of any disaster, companies want assurances that their data is protected and can recover data promptly, to ensure business continuity without interruption. When companies are in idle mode, they lose a lot of money. Cloud computing gives you more control over downtime.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
business expansion - Complete Controller

Virtualization is a processor acts to create virtual machines or versions on the actual machine, including virtual hardware, software platform, computer networks, and storage devices. Virtual acts as a real computer system with a separate operating system; for example, a personal computer currently running a Microsoft operating system can support a virtual machine with Linux and Ubuntu. Virtualization helps businesses in various ways, which allows the company to expand in the current business environment. Check out America's Best Bookkeepers

  • Businesses are trying to improve their operation to reduce costs to improve profit margins. In this way, a company can quote a better price option to its client and customers. Therefore, virtualization helps the business to achieve cost objectives by lowering down hardware-related costs. Such cost savings optional enable the company to invest the money in business expansion strategies. The business can invest in saved costs in marketing strategies and enhance the operations of the business. When a business saves money, it develops a favorable market position, which gives the company a straight competitive edge over other competitors. Cost-conscious is the characteristics of the business. The virtualization of the server will enable small, large, and mid-tier companies to run their software and applications instead of outsourcing to a third party. When a business has its server, then they own their data too. However, in the case of outsourcing, there will be a consistent outflow of cash in the fee’s shape. Paying these fees will be a burden because businesses have to pay them before the due date. If not, they would not be able to use third-party services such as cloud services. Secondly, maintaining data on a virtual system enables the business to implement more enhanced security mechanisms due to data storage on their databases. Traditionally, if management wants to focus on its primary functions, then outsourcing strategy considered an effective strategy. However, virtualization is an alternative option with a cost-effective IT solution for management. Check out America's Best Bookkeepers
  • System administrators have various benefits from virtualization. With the help of virtualization, administrators can have an infrastructure that supports smooth and fast communication because all the servers’ operating systems get installed on one piece of hardware. Furthermore, virtualization gives flexibility to the system admins because the admin can move servers from one virtual device to another. It is possible because virtualization is a simple data file, which can move to another machine. When a business expands, it requires much bigger storage capabilities. A system admin can transfer data files to another system with much bigger storage capabilities. For example, when a business expands, it requires more storage capacity for bookkeeping purposes. With the help of virtualization, the company can expand its capacity by adding just more memory. All the process is only from the one single click of a mouse.
  • When a business expands, they create more clients, vendors, and customers. There is a situation where old stakeholders might use older software and application platform to coordinate with your business. Therefore, virtualization becomes more helpful because it allows the company to use early software applications, which gives them flexibility and better support options for the stakeholders. You can create an image of sold servers with the help of virtualization. Check out America's Best Bookkeepers Furthermore,
  • The primary concern for expanding business is the data. When a company centers in the growth stage of the business cycle, it generates more data, which is crucial for business when it reaches the maturity stage. Therefore, virtualization is useful for expanding business in the disaster recovery process. Virtualization gives system administrators the capability to move a virtual machine from one system to another safely and quickly, which enables the company to backup data in much less time.
  • Perhaps one of the compelling advantage of expanding business it is Faster Server Provisioning and Deployment. With the help of virtualization, system deployment and provisioning is possible within minutes. The cloning process allows you to copy an existing virtual machine in a few minutes compared to installing a new operating system that would take hours.

Overall, virtualization provides business a cost-effective option with flexibility and adaptability features. A company can focus on its core objective while leaving IT-related issues to virtualization. When processes become straightforward, businesses focus on other vital functions and goals of the company. 

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

Often small businesses are working within a tight margin. As a result, the owners of small businesses are finding different ways to reduce their operating costs without lowering the quality of their products or making their employee’s lives tough. Once you have identified the costs that need to be improved, you should develop an action plan for their effective redistribution and select its executors. The process of cost reduction has proven helpful in the growth of small businesses. The focus of these businesses is to reduce the cost while maintaining the quality and reputation. Here are 5 ways to reduce operating costs:

Reduction of Cleaning Costs Check out America's Best Bookkeepers

One of the most popular methods of optimizing costs for object management is to reduce cleaning costs. Costs can be reduced, for example, by reducing the frequency of cleaning. But one must understand that this measure can be used where no permanent residence for tenants and visitors to the building exists, for example, in technical rooms, on evacuation ladders, and so on. 

Saving on Consumables

Consumables in business can be office supplies, printing, stationery, and other supplies that need replacement. The easiest way to reduce costs would be to limit the usage of consumables. If the usage cannot be lessened, you can look for discounts, barter, or buy in bulk. Consumables are a necessary cost in any business large or small but savvy owners or operations managers can reduce costs with effort. Check out America's Best Bookkeepers

Saving on Lighting
Optimize the cost of electricity consumption by replacing lamps that are consuming a lot of electricity with LED lighting, and by installing motion sensors in areas that are visited less. These measures will save on average 60 to 80% of the electricity used to light public areas and external front lighting. 

Reduction of Wages
The costliest item of spending in a business is the payroll. During a crisis, often companies have resorted to wage reductions as a method of optimizing costs. Using this method of cost reduction with the greatest care can help in lowering costs to an extent. Having technically competent workers can help increase the efficiency of business operations. This will help in reducing staff by having critical employees and eliminating unneeded positions. Check out America's Best Bookkeepers

Savings on Contractors

By re-considering the terms of agreements, you can save on the services of contractors. This method is especially relevant during the crisis of a business when contractors are forced to reduce the price of their services. Of course, at the same time, it is necessary to ensure that the quality of the services provided is not reduced. The process of Bookkeeping can also be used for keeping the record of prices.

 The optimization of operating costs of the facility should be considered. Calculating all the pros and cons the management company must make sure that the measure taken does not harm the life of the object. In some cases, capital investments are the main source of savings when installing contact people who might help in reducing expenditures. The reduction in operating costs is due to a reduction in the cost of wages and maintenance costs of buildings.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

Chances are at some point in your life you will need to rent a storage unit. Whether it be to temporarily hold household or business items while moving or a longer-term storage need, there is an art to renting the right unit. Before renting a storage unit, you must consider size, location, convenience, and for those who take their budget bookkeeping seriously, the cost. There are other considerations as well, which will be addressed below.

Full Service or Self-Storage?

The first thing to consider is whether you want to deal with your valuables, or you want someone else to handle it for you. This will also factor into your cost. While full service is undoubtedly easier, it is also more costly as essentially you will have movers come to pack, move, and store your items. Self-storage is far less expensive but will require you to do all the work. When making this decision, you will need to do a bit of bookkeeping to see if this will fit into your budget. Check out America's Best Bookkeepers

Climate Controlled?

One of the first questions you need to ask is what you plan to store. Some items will not require the temperature to be regulated. However, electronics and some other equipment or materials will react poorly to heat, cold, or humidity. This also will be a matter of cost, climate-controlled units or facilities are higher in cost.

Location? Check out America's Best Bookkeepers

When deciding on your storage unit, the location should be considered. The main question you need to ask yourself is whether you need to access this unit regularly or rarely. If you need to get to the items being stored often, you will want a location that is close and easy to access. If you will rarely need to access the items, the location won’t be important and can be chosen based on cost. Another factor to consider is hours of accessibility. Some facilities have 24-hour access, where others may have limited hours. These factors all need to be considered when choosing the location of your storage unit.

Does size matter?

While all the decisions when renting a storage unit are important, choosing the size is perhaps the most important. You have to factor in cost, what will be stored, and ease of access. If you plan to simply store your household or business items temporarily or don’t need to have access to the items, you can rent a unit that can be tightly packed. But if you will need to access items, you will need a storage unit that allows you to move among them easily. Coming back to your budget, you will need to consider the cost. If you consult your bookkeeping tool and find that you don’t have a lot in the budget for a storage unit, you may decide to get a smaller unit and store less. Check out America's Best Bookkeepers

The Bottom Line?

Renting a storage unit is a common need in life. Making the right decisions when taking this on can keep it low cost and convenient. If you are careful in your choices, you can store your keepsakes without breaking your bank account.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

High medical bills can be overwhelming after a hospital stay or if you have no health insurance or inadequate coverage. Unpaid medical bills can be a bookkeeping nightmare as they pile up. They can cause stress and even negatively affect your credit score. Here are eight tips that can help you recover from high medical bills and keep you out of debt due to them.

Everything is Negotiable

A typical medical bill could be for surgery, treatments, x-rays, and medications. You may be able to get all or at least a part of your bill reduced. Contact the billing provider and try to negotiate lower fees. This negotiation is often effective as the provider would rather receive partial payment than none at all. Check out America's Best Bookkeepers

Make a Payment Plan

Most, if not all, healthcare service providers offer payment plans. Again, they would rather get partial payments of the total amount due than none at all. When negotiating a payment plan, use your bookkeeping system to determine what amount you can pay each month that will work within your budget. When setting up the plan with the service provider, be aware of any extra fees or interest they may charge to set up the payment plan.

Authenticate Your Bill

Review your bill as soon as you receive it and check for accuracy. Medical bills are itemized and will show the cost of each item. Highlight any questionable charges and contact the provider to discuss. Depending on the size of the facility and the bill, it can either be remedied immediately, or it can be sent for review. Check out America's Best Bookkeepers

Insurance Provider

Health insurance is often provided through an employer; if not, you can look into private insurance options. If you already have coverage and still receive a medical bill, contact your insurance provider and inquire about coverage. Even if they do not cover the item on your medical bill, they will often negotiate a better rate with your provider on your behalf.

Medical Bill Support

Charitable groups and government agencies have been created to help with medical bills and services. These groups and agencies can aid in payments or providing services for free. If you have low to zero income, you may qualify for financial aid or free services.

Choosing a Provider

When choosing a healthcare provider, seek out doctors who accept your insurance. If you have no insurance coverage, seek out a provider that is willing to negotiate your bill before services are provided. Research is essential when it comes to choosing a provider, choosing from a financial standpoint can save you hundreds in medical bills. Check out America's Best Bookkeepers

Credit Counselors

Credit counselors will often provide services that will help you lower your medical bills. In some cases, they may even get them forgiven completely. While these services are usually not free, the cost is nominal and worth the savings on your bills.

Collection Agency

If you have made every effort to take care of payments and are still unable to pay, your provider may send your bill to a collection agency. The same process will apply to handle the bill at the agency. They now own the debt and will want to negotiate payments that will be beneficial to you and get the debt paid in full.

 

.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

Traveling is a unique opportunity to have contact with other traditions and customs, to know new places, and to expand your cultural baggage.

With that in mind, we decided to list here the most recurring setbacks among travelers, giving tips on how to avoid them simply and effectively. Follow it, so you do not overextend yourself!

 

  1. Cost to find hosting at destination

To begin our list of unforeseen travel setbacks, we have a very common situation: reaching the destination and not finding lodging with ease. This difficulty is especially true in high season periods, such as school holidays and the end of the year, when the demand for hotels, inns, and the like is higher. Check out America's Best Bookkeepers

To avoid this headache, simply have this attitude: before traveling, research the destination place an establishment that meets your needs, is well located and great value for money. So you can enjoy the journey more peacefully from the start!

 

  1. Forget a medicine or essential item

Discovering on the way to your destination that you forgot an essential personal item is not at all pleasant, is it? Imagine leaving home your camera, notebook, or medicine you are accustomed to taking whenever you catch a cold or are allergic.

To be careful, in this case, get into the habit of making a list of those items that are essential, those that you just cannot help but take wherever you go. With this checklist ready, you can check, one day before you board, if everything is packed in your bags, so you do not risk leaving anything behind.

 

  1. Get sick and not get medical care

Imagine if you get sick while traveling, presenting a series of symptoms that negatively impact your mood and well-being. In that case, if you have not taken adequate precautions, you may have a hard time getting access to good medical or dental care. Does it not seem complicated? Check out America's Best Bookkeepers

 

Also, for this reason, be sure to take out travel insurance. And that goes for both international travel and domestic travel, have you? That way, if you need to consult, perform some tests, or until you are hospitalized, the insurance will give the necessary coverage.

 

  1. Take little money in kind

Another frequent unforeseen travel issue is not having enough cash in kind due to the preference for using credit and debit cards. Have you thought about how this can become a big problem if restaurants, transportation, and even entrances to attractions where you go just accept cash payment?

Therefore, in addition to the traditional cards, the idea is to separate a reasonable amount for emergencies and day-to-day situations of a tourist that may require as a means of payment living money – such as the purchase of tickets on public transport or purchases made in fairs, on the street. Check out America's Best Bookkeepers

 

  1. Being incommunicado for lack of battery

In addition to the unforeseen travels mentioned so far, we cannot leave out one in particular: to be incommunicado because of the battery of the cell phone died. After all, today’s devices are not just for calling, but also for sending messages and emails, using social networks, finding places through GPS, and accessing the internet.

To avoid having to go back to the hotel whenever your cell phone charges for a load, purchase a portable charger that you can carry in your pocket or backpack, for example. If you want to be sure of all sides, also provide an extra, portable battery to complement the charge of your smartphone when necessary. So you no longer have to worry about this problem!

 

  1. Missing flight because I was unable to check-in

Finally, another unforeseen event that may disrupt (and much) the plans made for your trip is to miss the flight because of not being able to check in on time. This problem is because many people still have the habit of performing it only at the airport in person. The problem is that there can be several setbacks, such as technical problems at the ticket booths or even queues that delay the process, delaying the other steps before embarking.

 

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

There is often a question raised between country and city, which one offers a cheaper yet better lifestyle. Here are some facts that will make it clear to comprehend.

 

Working opportunities:

Being in the city, it is much easier to find a work of one’s own choice. There are a lot of opportunities for even the tiniest skills one has. Yet, if there are more offers, there is more competition too. A lot of people are striving to fill the only job vacancy in a famous company in the city. However, there are lesser jobs in countries, but even if one gets the offers, the competition is less and it is much easier to grab the one and only job offered in a month or two.

 

Transport Abilities:

In countries, one has to walk through a mile with no chance of public transport around. However, in cities, anyone can get a bus after 15 minutes of losing one. In countries, the extra charges for a car have to be borne. Buying a car is not a hard thing to do, yet maintaining a car is not easy. Giving extra taxes for the car and paying for the fuel is much expensive than getting to the bus stop in five minutes from the apartment. Hence, cities are better for providing the transportation facilities.

 

Houses:

For renting a single story house with two rooms in a city, it is provoking for someone to pay $400. With that, it is much easier to rent a two story house in a village with better facilities for $300. Where one has the space for the pet, an extra yard for planting the orchards and much more. So, country beats the city when it comes to housing.

 

Incautious shopping:

In the city, even passing by the mall for window shopping and having money in hands, no one would really pass by a beautiful affordable dress for her or a decent watch in a relatively less price for him. Yet, forcefully, one will have to buy that for satisfying their wants, no matter if they will have to suffer the last week of the month with no money. However, in countries, no markets nearby, no incautious shopping! In countries, people have to go far off places to buy the ration for the house even in a month. So, there will be no passing by the mall, no attractive things to worry about, and hence, savings.

 

Festivals:

In cities, even extra sales for the city population means extra expenditure. Even in sales, expenses are much more. While in countries, festivals are held on a regular basis. These festivals are about different items on different occasions. Yet, they have a little less good quality, still, they are a better option for saving a $100 in just a single festival rather than paying an extra $100 for sales.

 

Must expense for Having a House in the City:

Having a house in a city is expensive, but maintaining the house requires much more expenditures. One has to pay for the trash collection, rapid transit or animal control. One has to pay the extra water bills, electricity’s extra usage will cause them to pay extra bills and there are much more to go. In countries, there are no such expenses. One has to do most of the work on their own. There are no special orders for keeping animals or cattle. One can have a cow for milk, for cheese and also one can earn by such means.

 

Schools:

In cities, getting an education is much more expensive. Paying extra charges for useless activities is not really comforting. Kids are provided with good education, but the same education can be provided to the kids in countries with lesser expenditures. One has to pay for transport as the schools are far off in cities. Yet, in countries, the schools are present nearby and have just as much extracurricular activities as required.

 

 

Of the above-mentioned factors, it is clear that city life has advantages related to the career, but when it comes to expenses, country life is more reasonable.

Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

If you want to become an owner, it is time to get aware of things around you. But be careful, when negotiating with your banker, do not focus on this single nominal rate, because the true cost of your credit will depend on the total effective rate. The latter includes all the costs of setting up your loan, use a magnifying glass to figure out things. Because they can allow you to realize substantial savings.

  1. Lower the administrative costs

When you go to your bank advisor, he will do different simulations depending on your profile. If you are a simple customer (employee, having all your accounts domiciled at his agency, no health risk aggravated), your file will be very easy to assemble. In this case, negotiate with him a discount on the expenses of the file. If you go through a broker, the fees will have to be paid, but you will have nothing to settle at the bank. Again, negotiate a rebate if your record has required very few appointments.

  1. Negotiate the cost of insurance

When you buy a home loan, you must at the same time take DIIT insurance (Death, Invalidity, Incapacity of Work). It allows the banker to ensure that the monthly payments will always be paid even if you are a victim of a serious disaster. You can take out a contract that is cheaper than your banks, but only if the insurance policy on assignment gives you identical guarantees.

  1. Play on the ancillary services

You cannot bend your banker and still want to get better. Play on the ancillary services. Your advisor will be pleased to make you subscribe, in parallel to your home loan, home multi-risk insurance for your new home. In the same way, show your banker that you are ready to place your sponge in his establishment by looking at basic savings products. If your bank offers a bundle of interesting services with the bank card, inform your banker that you are interested. As you get benefits from a commercial gesture on your home loan!

  1. Check the prepayment penalties

If you have to sell your home to another area or to buy bigger or smaller, you will need to prepay the bank. Legally, the latter amount to 3% of the remaining capital, capped at six months of interest, responsible for relations with banks. It is possible to cancel or reduce the amount if you resell your home for the purchase of another. Remember to change this point in your loan agreement before signing it; this may be useful in the future. Be aware, however, that a banker will charge you almost systematically if you renegotiate your mortgage in a competitor.

  1. Think about the transferability of the loan

Check that your credit is transferable. This will save you money in the future by taking advantage of current rates of less than 3% on future purchases. If you buy a larger home in a few years, after reselling the first one to which your credit is attached, this mechanism will allow you to transfer the remainder of your credit for the purchase of the new property. So, you have to borrow the missing complement, at a rate probably higher than 3%. Attention, this operation remains however at the good will of the bank. But check that it is possible upstream, before signing the loan offer.


Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

The burial insurance is a type of insurance that is responsible for covering all costs and paperwork related to the death of a person. In this way, death insurance tries to help and give support to the family members of the insured by simplifying all the bureaucratic procedures related to the burial.

Today, the contracting of death insurance is a very common practice. For this reason, it is of special importance to know all the aspects related to this type of insurance and that the insured acquires the insurance of deaths that he considers more opportune or adapts better to his needs and personal situation.

 

Death insurance: aspects to consider when hiring

At the time of contracting a death insurance, we must take into account the different costs associated with the policy, the coverage that can offer us, the types of death insurance that there are and other recommendations that will help us when choosing Death insurance.

The first step for the person who wants to hire him is to decide if he is going to hire him individually or family. Individually he will cover the expenses of his burial, however many families hire him jointly so that if any member of the family dies, the deceased will be insured.

 

What is the cost of death insurance?

When a person dies, family members must face a series of costs related to the funeral of the deceased person. Death insurance allows that when a person hires this type of insurance and dies, different burial related expenses may be covered by the policy and thus prevent family members from having to disburse certain amounts of money to pay for expenses related to death.

Normally, the expenses of a funeral are usually between $7,000 and $10,000 although they can vary depending on some characteristics of the insured. When a death insurance is contracted, the cost of the premium will depend on:

The place of residence of the insured person: depending on the city to which it belongs, it may have a higher or lower cost, since the insurance company takes into account the risk of death of the insured. It is also taken into account if the insured lives in a town or in a city.

The additions on the day of the funeral: the insured may want his or her funeral to be simpler or, however, more complex by having more services covered by the insurer. 

 

What coverage is in death insurance?

Regarding death insurance coverage, we can say that insurance companies can offer what we call basic or optional coverage to the insured person. These coverages will depend on the amount of money or premium the person pays to purchase the insurance. For example, death insurance that only contains basic coverage will be cheaper than one that also includes other additional coverage.

 

Basic coverage of death insurance

The insurance company will bear the costs related to the following basic coverage specified in the policy:

  • The services incineration or burial in niche or grave and headstone
  • The funeral services
  • The religious services related to Mass and other acts of this nature
  • The free choice of the burial place and cemetery where the deceased will be deposited
  • The organization, coordination and management of the death service
  • The legal assistance service
  • The processing of documents after the death of the insured

 

 

 

Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

In this first stop of the Social Media Advertising tour, we are going to talk about advertising on Facebook Ads. Facebook Ads is one of the most complete advertising platforms that exist, since they allow you to segment your campaign based on the audience you are targeting.

This functionality is super interesting. We only have to take into account the amount of data that many Facebook users fill in their profiles. That information is used for the segmentation of campaigns, of course.

 

Custom Audiences on Facebook Ads

One of the most interesting functionalities in terms of segmentation is the possibility of creating customized audiences.

You will see, when you have the possibility to obtain the emails of your users, either because your website has a registration option, or because they have left their email to download a resource, you can upload them to Facebook and this will find similar user profiles that you uploaded.

Only the mere possibility of doing this is impressive. We are talking about Facebook going to find and find users that have similar characteristics to users who have shown interest in what we offer or are currently customers.

 

Advertising formats in Facebook Ads

To run a campaign from scratch, we should have a business page on Facebook. But we are going to enter into matter and we are going to see the types of advertising formats that Facebook puts at our disposal.

That is, more and more the traffic comes from desktop computers, mobile phones, tablets, etc., so the formats have to adapt to it. We also show you in this seminar how to make a Facebook Ads campaign step by step. Facebook offers an advertising format for each story , depending on how we want to tell it. These are:

 

Ads with photo on Facebook Ads

These types of ads allow you to post an eye catching image and include text to gain the attention of the audience. 

 

Ads with video on Facebook Ads

In this case we go a step further and use a native audiovisual format. Facebook values ​​the use of videos directly uploaded to its platform, much more than a link to YouTube.

If each day more than 100 hours of video are uploaded to Facebook, the platform allows you to reach your audience in the most common way at this time.

 

Video ads presentation on Facebook Ads

To make a video requires certain resources that may not be available to anyone, so this format is very interesting for ordinary mortals.

 

What is it about?

The video presentation in Facebook Ads is a sequence of images with a duration of a few seconds each. It is very interesting since, even in places with limited connectivity, its visualization is possible since it does not require a very high connection speed.

It can serve to cover almost all the objectives that we may have, but it is really good to attract users to your website.

 

Collection Ads in Facebook Ads

It was the last advertising format added to date by Facebook – in March 2017-. As we have read on the Facebook website for companies, this collection format “makes it easier for people to discover, explore and buy products and services from their mobile devices in a visual and immersive way”.

Basically, what happens when you press any of the images is that a quick loading page opens where there is additional information and possibility of purchase without leaving the Facebook application.

 

How much does Facebook advertising cost?

Advertising on Facebook does not have a fixed payment system for making a campaign, but it will charge you based on your goals.

If your goal is to bring traffic to your website, you end up paying for each click that users make in your promoted publication.

Therefore, you will pay per click, per conversion or new follower, always depending on the objectives that you have marked at the beginning of the realization of the campaign.

 

 

 

Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.