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Why Should You Never Do Your Own Bookkeeping?

Having your bookkeeping handled can help grow the businessAs a business owner, are you doing your bookkeeping or have you hired someone else to do it for you? Owners of small businesses in Canada and large metropolitan cities like Toronto and beyond tend to do their own books because they feel that they don’t have a budget to outsource bookkeeping. What they don’t know is that it is actually cheaper to hire someone to do it for them when you consider the amount of time they spend doing accounting. There are several other advantages to outsourcing bookkeeping:

 

First, what is bookkeeping?  Check out this short video for more before we get started:

•    The amount of time that you spend is significant and can be used to do other things that help the business grow. You can look for new clients, you can expand their product range or you can even work on inventory and new suppliers.

•    If you opt for hiring part time or even full time bookkeepers, you should know that it is more expensive than outsourcing – in-house accountants tend to ask for more money and they also increase your overheads because you have to provide them with a space to work from. If you outsource you will be hiring someone who already has their own offices. In addition to that, because much of your paperwork goes away you make more room in the office which can be put to more productive use.

•    When you outsource you are working with experts without having to pay them 24 hours a day. You can be sure that your books will be done with the highest standards in mind.

•    Many companies that provide bookkeeping services also provide other related services which means that you get a one-stop solution. They can do things like payroll and taxes which relieves you of the burden and expense of hiring an accountant.

•    Some business owners prefer to hire lone accountants to do their books. This is not advisable – it is better to go with a team of bookkeeping experts. For one thing, there are several eyes looking at your books which reduces the chances of something being overlooked. For another, a team effort is faster and more efficient.

•    Most bookkeepers have invested in the best of tools to enable them to provide a professional service. They are able to afford the most expensive ones because they have many clients.

•    Lastly, what happens when your company grows? A professional bookkeeping company is able to scale in way that you cannot do unless you spend a great deal of money.

You shouldn’t waste time and money doing your own bookkeeping; hire a professional to do it for you.  For top-notch Toronto Bookkeeping services and solutions, contact Above The Cloud Business Services at http://www.abovethecloudbookkeeping.ca

ESaf Micro finance :Money Time 24th Sep 2015

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ESaf Micro finance Microfinance includes a range of small financial services appropriate for poor.രാജ്യത്തെ ആദ്യ ചെറുകിട ബാങ്കുകളിലൊന്നായി തിരഞ്ഞെടുക്കപ്പെട്ട ഇസാഫ് ബാങ്ക് കുറിച്ചറിയാം

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One Life-Changing Class You Never Took: Alexa von Tobel at TEDxWallStreet

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Alexa von Tobel is the founder and CEO of LearnVest.com which she has been developing and growing since 2006. LearnVest is the leading personal finance and lifestyle website that brings financial literacy to women. Since launching LearnVest, Alexa has been widely quoted as a personal finance expert and entrepreneur in top tier business and consumer publications including: New York Times, The Wall Street Journal, New York Post, BusinessWeek, Shape, Fast Company, Marie Claire, ForbesWoman, InStyle, People StyleWatch, Time Out New York, The Huffington Post, among many others. Alexa has been included on Vanity Fair’s 2011 Next Establishment list, featured on Business Insider’s 2010 and 2011 Silicon Alley 100 lists, named “One of the Coolest Young Entrepreneurs” in Inc. Magazine’s 30 Under 30 feature, titled a “Woman to Watch” by Forbes and included on the publication’s 30 Under 30 list, highlighted on BusinessWeek’s annual list of “Best Young Tech Entrepreneurs,” among others. LearnVest has been named one of “25 Women-Run Startups to Watch” by Fast Company, included on Forbes’ list of the “Top 100 Websites for Women” for the second year in a row, featured on Business Insider’s Digital 100 list and included on Time Magazine’s annual list of “50 Best Websites.”

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About TEDx, x = independently organized event:

In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.*

(*Subject to certain rules and regulations)



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Why Is the Stock Market So Unstable? Finance, Money, and Crashes in History – Part 1 (1987

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Why Is the Stock Market So Unstable? Finance, Money, and Crashes in History – Part 1 (1987) In finance, Black Monday refers to Monday, October 19, 1987, when stock markets around the world crashed, shedding a huge value in a very short time. The crash began in Hong Kong and spread west to Europe, hitting the United States after other markets had already declined by a significant margin. The Dow Jones Industrial Average (DJIA) dropped by 508 points to 1738.74 (22.61%). In Australia and New Zealand the 1987 crash is also referred to as Black Tuesday because of the timezone difference. The terms Black Monday and Black Tuesday are also applied to October 28 and 29, 1929, which occurred after Black Thursday on October 24, which started the Stock Market Crash of 1929. By the end of October, stock markets in Hong Kong had fallen 45.5%, Australia 41.8%, Spain 31%, the United Kingdom 26.45%, the United States 22.68%, and Canada 22.5%. New Zealand’s market was hit especially hard, falling about 60% from its 1987 peak, and taking several years to recover.[2] The Black Monday decline was the largest one-day percentage decline in the Dow Jones. (Saturday, December 12, 1914, is sometimes erroneously cited as the largest one-day percentage decline of the DJIA.[3][4] In reality, the ostensible decline of 24.39% was created retroactively by a redefinition of the DJIA in 1916.[5][6]) Following the stock market crash, a group of 33 eminent economists from various nations met in Washington, D.C. in December 1987, and collectively predicted that the next few years could be the most troubled since the 1930s.[7] However, the DJIA was positive for the 1987 calendar year. It opened on January 2, 1987 at 1,897 points and closed on December 31, 1987 at 1,939 points. The DJIA did not regain its August 25, 1987 closing high of 2,722 points until almost two years later. In 1986, the United States economy began shifting from a rapidly growing recovery to a slower growing expansion, which resulted in a soft landing as the economy slowed and inflation dropped. The stock market advanced significantly, with the Dow peaking in August 1987 at 2722 points, or 44% over the previous year’s closing of 1895 points. On October 14, the DJIA dropped 95.46 points (a then record) to 2412.70, and fell another 58 points the next day, down over 12% from the August 25 all-time high. On Thursday, October 15, 1987, Iran hit the American-owned supertanker, the Sungari, with a Silkworm missile off Kuwait’s main Mina Al Ahmadi oil port. The next morning, Iran hit another ship, the U.S. flagged MV Sea Isle City, with another Silkworm missile. On Friday, October 16, when all the markets in London were unexpectedly closed due to the Great Storm of 1987, the DJIA closed down another 108.35 points to close at 2246.74 on record volume. American Treasury Secretary James Baker stated concerns about the falling prices. That weekend many investors worried over their stock investments. The crash began in Far Eastern markets the morning of October 19. Later that morning, two U.S. warships shelled an Iranian oil platform in the Persian Gulf in response to Iran’s Silkworm missile attack on the Sea Isle City.



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International Money and Finance Audio Book

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Mind Over Money How Human Psychology and Finance Interact ● History Channel Documentary

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International Money and Finance Eighth Edition Book Review

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Personal finance Tips to save money and invest profitably BP Holdings Barcelona

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http://www.bpspainholdings.com/2012/09/personal-finance-tips-to-save-money-and-invest-profitably/

People are responsible for all the financial troubles they may be going through. This is because they chose not to follow the guidelines given out by the financial experts to manage their finances well. Therefore, they should try to learn the basics of personal financial management and do away with any kind of irresponsible financial behavior. A good working knowledge of the finances will help people to save money and think investing it on somes constructive purpose.

People who are really interested to become financially responsible citizens will be glad to learn about some financial tricks that will help them to achieve their goals.

Tips to save dollars

Here are some tips that will help a s to raise a good amount of money as savings:

a) Banks — Financial institutions like banks or credit unions are considered as some of the most secure places to save money and grow an emergency fund. As a result of the Great Depression of 2008, the US government has hiked the amount of coverage for bank accounts held by the citizens. The bank security money has now been raised to 0,000 for every individual account holder.

b) Internet banking — People can take advantage of the web-based services offered by the banks. They can use the Internet banking facilities of a bank to conduct market surveys of all the financial products, analyze their return on investments or learn about the minimum deposit amount required across the country. Therefore, they can save money through the low cost services provided by the banks to take out loans, open savings account, etc.

c) Price waivers — It is extremely important to shop around in the local market before one selects a particular loan provider. They have to compare the quotes provided by several lenders and ask for prices waivers. Moreover, they can share the rates offered by the lenders, so that they stand in a good stead to bargain for a rate reduction.

After one has accumulated a sizeable amount of retirement fund, only then can he/she think of investing a part of the savings to earn some extra dollars.

Tips to invest dollars

Here are some of the guidelines to help people foray into investment with their retirement savings:

a) High risk investments — One of the best and the worst way to earn handsome dollars is to invest in high risk investment options. For instance, real estate speculation, hedge funds, emerging economy investments, stocks, bonds, etc. As a result of increased level of risks, investors expect to reap greater profits from their investments.

b) Investment plan — People who are investing their money should follow a definite and feasible investment plan. Investors should be practical about their expectations and do not become aggressive with their investments, in case they suffer a setback.

c) Professional help — Emerging investors should approach financial planners or investment experts for proper guidance with regards to the most appropriate investment options as per their needs and financial status.

This is because financial experts have the necessary knowledge to guide wannabe investors to the right investment track and prevent them from going bankrupt. However, every individual should exercise their own discretion when following any such advice and weigh other investment options as well.



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Life Of Bill Gate – Finance Money Biography Full Documentary

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Life Of Bill Gate – Finance Money Biography Full Documentary
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Gates was born in Seattle, Washington. He is the son of William H. Gates, Sr.[b] and Mary Maxwell Gates. Gates’ ancestral origin includes English, German, and Scots-Irish.His father was a prominent lawyer, and his mother served on the board of directors for First Interstate BancSystem and the United Way.

Gates’s maternal grandfather was JW Maxwell, a national bank president. Gates has one elder sister, Kristi (Kristianne), and one younger sister, Libby. He was the fourth of his name in his family, but was known as William Gates III or “Trey” because his father had the “II” suffix. Early on in his life, Gates’s parents had a law career in mind for him. When Gates was young, his family regularly attended a Protestant Congregational church.

The family encouraged competition; one visitor reported that “it didn’t matter whether it was hearts or pickleball or swimming to the dock … there was always a reward for winning and there was always a penalty for losing
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Mind Over Money: How Human Psychology and Finance Interact ● History Channel Documentary

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Mind Over Money: How Human Psychology and Finance Interact ● History Channel Documentary

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Mind Over Money – an entertaining and penetrating exploration of why mainstream economists failed to predict the crash of 2008 and why we so often make .

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