The bandage on Quickbooks online andingXero vs vs MYOB Essentials

cloud-based accounting program is in doing the job. These products continue to be developed with a lot of research and feedback incorporated into it. What is the advantage now, there would be a few years from now. some of the accounting program is Essentials MYOB, Xero and Quickbooks Online, specifically for the latter you can find and follow QuickBooks on Twitter.

There are other software providers out there, some of them are even free. However, three were selected based on market share, the Australian compliance with the GST and payroll, and the company’s reputation (which will feel safe entering the banking details in the software unknown and free).

Cloud-based software is the best for my business? As a small business accountant and Virtual CFO, this is one of the most common questions I get from the business owner. Not all accounting packages are created equal, but good companies continue to seek feedback and upgrade their offerings.

Dealing with small business owners on a regular basis, through a variety of industry and trade, I’ve narrowed it down to three important factors to be considered in accounting packages:
1) Simplicity and ease of use.
Design is the key to the user experience of the product. MYOB Essentials has designed products for non-accountants. This product is very easy to understand and use. The downside to this is that the reporting functionality is also limited. For example, you can only print the report one salary in PDF format, and Profit & Loss statement can not be displayed with the moon in the entire yard (which is useful in analyzing trends).

Quickbooks Online has great functionality, excellent reporting and a long list of features that you do not know it’s there. This “hides” the more complex task well enough that you will not be confused, which makes it interesting when you find out what you can do. Compared with Xero and MYOB, a function that is sometimes not where you would logically think they will. QBO have online training, video and support available, and the customer service was excellent (Intuit named 3rd best job in Australia in 2015 *).
Xero is a well refined product, with the user experience in mind. It’s like using Apple compared to Android.

2) Mobile Applications and add ons.
Mobile applications not only for the user in the way only. It can also be a great dashboard to monitor your business frequently. Here is an overview of what each has a unique operator to offer their mobile.
MYOB – the simplest of mobile applications with only three functions. Contacts, Invoicing and Payment. Payment for these MYOB MYOB taken through PayDirect applications and devices.
Quickbooks Online – A well-designed and functional mobile offers. It was not an invoice, quote, fees, take photos of receipts, records, sales receipts, bank reconciliation, P & L and balance sheet, customers, suppliers and recent activity. Tablet version also has GPS and location based prefilling invoice, which is useful when the invoice on the go. Payments can be retrieved using Paypal and card reader applications, or Square. The QBO mobile applications easily the best of the three.
Xero – Create invoices, receipts, upload files and photos from the reception, manage contacts and reconcile bank and check bank account balances. Payments can be made through third-party applications such as Paypal, Square and Ezidebit.

A specific application could be the deciding factor which accounting software to use, because it is much more integral in running the business from accounting side. Inventory management, e-commerce, timesheets, POS systems and work cites some places high importance on the application. Most of the free trial application providers, and this is certainly an area to invest in if you are a very systems or procedures based business.

3) Value
For small business owners, this is probably the biggest factor. Value is not just about being the cheapest. It’s about making your job easier and cuts out “work in your business’ time, to allow you to work” on your business “. It’s also about providing business owners with the tools to monitor business whenever and wherever they are.

The next cheapest package is important MYOB, which is between the other two charges. However, compared with the offerings and mobile applications from two other software, it has the worst value of the victim. The current user is not able to take photos of receipts and store them in the cloud!

Xero is probably the most expensive, but the comparison should be on the product offering. Because QBO and Xero has the same function, and I could not justify such a big difference in price.

In terms of price, Quickbooks online is roughly half the cost of the two other applications. When you factor in the function, it was a clear standout in this category. The above example is a business that uses QBO.

 

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Different Ways To Raise Money For A Business

Any business requires capital and investment. When we use the word ‘capital’, we refer to the entrepreneur’s stake in the business. Investments refer to the stake of the other shareholders. You need both of these quantities in good measure to run a successful business empire. Let us now focus on the different ways of raising money.

Raising Money

When you venture into the market seeking ways to raise money, you get hundreds of people advising you on the different ways to raise and manage money. However, none of them may ever sign a check for you. There are rough and smooth times in the market. We have listed some simple ways of raising capital.

Seed Capital

The amount of money you bring in when venturing into any kind of business initiative is the seed capital. You can also take the advantage of angel investors today. There are people who are ready to fund start-up industries all over the world. However, you need to have a strong project to attract angel investors. You have to make sure that you keep up the trust reposed on you by these angel investors.

Bank Loans:

Availing bank loans is the second most popular way of raising money other than bringing in one’s share of capital. In this liberalized age, you can find many banks formulating loan options for new start-up entrepreneurs to acquire machinery, working capital, etc. Some banks have plans where you do not have to provide any kind of collateral security. Searching for such options should be your priority.

Raise Funds:

You can raise funds from people you know such as friends and relatives. You can also raise funds from the market. Having a viable project on hand is a pre-requisite for raising funds from the market. People will have to believe in your ability to generate profits. No one likes to invest in a loss making company. The first steps are difficult. However, if you overcome the initial hardships and prove your ability to succeed, you will never face any shortage of funds from the market.

Have advisors invest in your business:

People are generally good at giving advice to others because it does not cost them any money. A successful businessperson is one who makes these advisors invest in the business. In this way, he or she can make sure that he or she gets great financial advice every time.

Do NOT Let Anyone Do This to You

No One should make you feel this way about your Business!

This article was inspired by a consult with someone this week. What happened on my call this week was something I have experienced many times over the years. A client comes to me for advice on their marketing and their website and in the process, I find out that they don’t have control of their website, and even worse, the person who is in control is not listening to them and not doing the requested changes.

This really bothers me because in today’s world your website is one of your business assets. And for those of us who do not have a brick and mortar location, it is our brick and mortar store.

When your web person has all the access, all the logins and it is exactly like someone else having the keys to your store and in this case – not letting you in. This is WRONG.

I am not saying that all website people are bad, but as the business owner you need to have some semblance of control on your business.

Yes, the web designers are the people with the expertise, but they should be working in conjunction with you not against you. The case I ran into this week, the owner was asking for changes the person would not do. When we did a review what the web person would setup for her worked against all principles of email marketing and list building which is what the client’s goal with the change was. She knew what she wanted, and the person would not do it. What they did was very antiquated and outdated and would never accomplish the client’s goals.

This is wrong… your web person needs to be a partner.

When we do websites for clients, we open all the accounts in their names. It is the way I do business. I know that one day they may want to move on, (or I might) and without any access, this can be hard to do. It is not the only way, it is my preference. Many web designers do host accounts for their clients which is fine as long as you follow my two rules below.

If you are working with someone who has all the control on your website, this is fine as long as two things happen:

  1. If you do not own your own hosting account and domain registry, your web person MUST give you a full and complete outline of their backup plan should something happen to them. If they have all the access and cannot access the website on your behalf what will happen? (This is your entire business, your livelihood, you need an answer and a plan.)
  2. When they work with you it needs to be a partnership. When you ask for something they must give reasons why they suggest, or don’t suggest, making certain changes you ask and request. They must listen to you and your concerns.

This kind of website – owner relationship is NOT fine if you are not getting these 2 items fulfilled.What really stood out this week to me was that the person I was talking to was made to feel really small when it came to her website. Small and Inconsequential. It was awful. She felt less smart, less knowledgeable and worse, doubting her abilities.

We build websites, help clients setup email marketing systems, blogging, and social media, and I am certain I have never made a client feel like the lady I was speaking with this week. But I make this promise, I will certainly be on the lookout as to how I do interact with clients and how they feel afterwards.

No one, even if you are indeed clueless about the technical things in life, should feel like this when it comes to their website and business. If you are, I suggest you get a second opinion.

Ways To Maintain High Standards Of Quality Control

Employee health and fitness should be at the top in all employers’ checklist. To ensure this, quality control has been set up which ensures that workplace of the employee and the products they handle are safe and are of reasonable quality and standard.

Having a foolproof quality control program at hand is very beneficial for any company’s growth. Not only does it ensure the safety and well-being of the employees but it also helps to enhance the reputation of the company. One must implement a comprehensive program at the company so that it becomes part of the daily chores for the company.

In order to have a reasonably good quality control system in your company, it is important to follow certain points which help to establish a good one.

Get to know what all is required: This the primary and the most important step to implement any form of control in the company. One must have a checklist of all the legal laws and the documents required. Proper knowledge about the laws pertaining to the place is also very important. A quality analyst or an officer can be consulted to make a proper plan of the management and other legal proceedings.

Appoint a quality control staff: Having a proper quality control staff at work is very important to ensure that all the responsibilities are carried out perfectly. One can also decide to appoint the current employees as quality control staffs, however, make sure that they are not too overburdened with work pressure. This job requires full-time support starting from undergoing training programs and seminars and finally execution of quality checks.

Develop an effective training program for the staff: Though this is not a mandate for ensuring high-quality control standards, however, developing a quality training program for the new employees would prove to be very beneficial in the long run. It has been observed that employees who are trained in proper work environments often tend to catch the error more quickly as compared to others and they also try to rectify the error instead of running away or hiding them.

Treat your QC staff well: At times, it is very important for the employer to reward their employees. This reward can be in the form of cash or any other form which adds value to the service provided by them.

Your Trade Show Display Taken to the Next Level

You can rely on the best trade show stand builders to help you take your displays to the next level. Keep in mind, those that come to any place you are set up already have a sincere interest in what is being offered. However, they have plenty of choices in that area to decide what they want and who they will get it from. With that in mind, you have to get their attention and keep it.

One way to do that is with the visual attraction you offer. With trade show stand builders that are creative and detailed, you can feel very comfortable and proud of what you have on display. It is going to help people to stop in their tracks and come over there to check it out up close and personal. That is your chance to give them information, a business card, flyers, and more.

Easy to Put up and Take Down

It isn’t enough though for the trade show stand builders to be impressive with what is on them. They also need to be easy to put up and take back down. They need to be simple to commute to the next location. Most involved with trade shows complete the circuit as they want to appeal to as many customers out there as they can.

It doesn’t make sense to get something that is going to be difficult to move or time consuming to put up and take down. You also need to think about overall safety. You need to have something in place that will stay up until you are ready to take it down. If it will rip, tear, or sag easily then it isn’t a well-made product.

Who can you Turn to?

Don’t make the mistake of thinking you can just turn up at a trade show and do well there. Sure, your niche market is going to be there so it is a prime opportunity to reach out to them. However, there will also be plenty of others there. This can include direct competitors and those that sell related products or services.

You need a professional offering trade show stand builders that you can count on every step of the way. You should be able to consult with them and share a vision of what you are looking for. Perhaps you don’t have any ideas and you are hopeful they will come up with them for you. Share the outcome you want, your business model, and other details so they can create it.

You will be consulted before anything goes into production. They can show you some rough ideas for you to pick from. Based on your feedback, they can start to customise a particular design for you. Don’t be hesitant to speak up so that the final project is something you really love.

They can demonstrate for you how to set it up, take it down, and store the materials too. You may be new to trade show stand builders, but you will quickly find they are a wonderful tool you can count on. They are also affordable so find a provider with excellent results and who takes the time to dedicate their services to fit your particular needs.

The cost for trade show stand builders is far more affordable than you may think too. It is a wise investment as the return on such an investment is going to be very good. You want to have plenty of sales and additional leads from every single trade show you attend.

Offering a booth or presentation at a trade show or exhibition is a great way to get your products or services known. The way in which you offer the information can influence the impact it will have with your potential customer base. We are a leader in offering amazing options for you to have a successful outcome with your set up and presentation. We offer products that are durable, easy to set up and take down, and customised you’re your needs.

Get the Size, Shape, and Design You Need to Successfully Promote

Custom exhibition stands give you an amazing opportunity to think outside of the box. You won’t be restricted by the size, shape, or design of a given concept you have in mind. You have the freedom to go in new directions and come up with something new and creative that your target audience hasn’t seen again and again.

Size

There are standard sizes of such materials but you will feel limited by them Perhaps you want something taller or wider than the norm. With custom exhibition stands, you can get those images how you want them and be able to present them without them looking distorted or out of place. In fact, since they are unique, they will be able to capture the attention of people.

Shape

You don’t have to go with a standard square shape either. With custom exhibition stands, you may decide you would like the materials to be round, triangle, or rectangle. You will be able to decide that based on the overall concept and the size of the design. It can be fun to experiment with the ideas and see what looks the best.

Design

Your overall design is what is going to get attention, and you need it to be completely fantastic in every single way possible. Knowing you won’t be restricted by various factors can allow you creative side to really branch out. It means ideas don’t get thrown out because they would be deemed too complex or complicated.

Instead, custom exhibition stands gives you the opportunity to really think hard about a new direction. You don’t have to rehash what you have already done or what you have already seen. You are going to feel rejuvenated and very proud of the new elements. You will be very thankful for all custom exhibition stands deliver.

Dimensions

You don’t have to keep it one dimensional either. You can go with 2D and 3D coordinates. You can go with pieces that tell a story. You can add all of these in a sequence that allow you to share more than you realise from the view of the potential customer taking it all in. They are going to pick up on the details and appreciate them and custom exhibition stands are part of that.

Assistance

You can’t do this all on your own, but you can gain assistance and detailed feedback from experts who offer such services. They take on such challenges day after day so they know the right tools and equipment to use. They have techniques they can introduce for you and create custom exhibition stands that are going to be beyond what you had hoped for.

They offer them with quality in mind, with safety being a factor, and the offer something that is very easy to set up and take down. These are all winning outcomes from custom exhibition stands you will appreciate.

Put your energy into finding a provider of such services that is also affordable. You want the result to be a working relationship you both enjoy. Communicate with them regarding deadlines, flexibility you need, certain elements you can’t bend on, and what you have in mind for the message to deliver.

You may be pleasantly surprised at what they can create for you that is both affordable and an asset to your business. It certainly doesn’t hurt to get the wheels in motion and see what they can do. Consult with them free of charge to see what they recommend. Then you can move forward when you feel the time is right.

Secrets of Bonding 137: Identify 5 Mystery Bonds Contractors Need

Think you are pretty familiar with the various surety bonds contractors may need? See if you can identify these five that we are commonly asked to provide by contractors and our agency partners.

  • Mystery #1: In this instrument, the bonding company guarantees that a contractor / “principal” will correct defective materials and / or workmanship in a completed project. These bonds are often written for one or two years.
  • Mystery #2: This bond is issued with a municipality as beneficiary. It guarantees that the construction company, if allowed to disrupt public property, will restore the area after performing a contract and prevent the municipality from having to pay for such reconstruction.
  • Mystery #3: Number three is a form of financial guarantee that promises a money penalty will be paid if the construction company does not enter into a contract when expected to do so.
  • Mystery #4: This one is a guarantee that the construction company will comply with all the terms in a written contract and faithfully pay suppliers of labor and material used in connection with the project.
  • Mystery #5: Also written with a municipality are beneficiary, this bond promises that the principal will build certain “public improvements” stipulated by the municipal engineering firm. The municipality does not have a contract with the principal, nor will it pay for the work.

OK, got your answers?#1: This is a Maintenance Bond. They normally are issued after the completion / acceptance of a contract. The dollar amount is often for less than the contract.

#2: A Street Opening Bond is an example of a Permit Bond. This enables a contractor to cut the street open for access to water and sewer connections. If the municipality grants permission for the work, they expect it to be reconstructed in accordance with local building standards, and not at public expense.

#3: Is a Bid Bond. Bid bond amounts are often expressed as a percentage of the proposal they accompany (such as a “10% bid bond”). This is because the actual bid amount is confidential to the bidder at the time of bond issuance. If the bidder fails to accept an award of the contract, the bid bond penalty may be claimed by the obligee to reimburse them for going to the second (higher) proposal.

#4: A Performance and Payment Bond (aka Labor and Materialmen’s Payment Bond) is issued usually for 100% of the contract amount. These are commonly required to protect the public interest on government contracts. Private owners and lenders may also stipulate them.

#5: A Site Bond. Contractors sometimes ask us for these, but the correct applicant is the property OWNER, not the construction company being hired to do the work.

If the contractor furnishes this bond (we do NOT recommend this), they become obligated directly to the municipality, and must build the required public improvements even if they are not paid by the property owner. Bad! The site bond obligation more correctly lies with the property owner / developer.

Steve Golia is an experienced provider of bid and performance bonds for contractors. For more than 30 years he has specialized in solving bond problems for contractors, and helping them when others failed.

The experts at Bonding Pros have the underwriting talent and market access you need. This is coupled with spectacular service and great accessibility.

Common Mistakes Business Owners Make When Opting For Capital Growth Funds

A lot of business owners are looking for ways to improve their businesses. Sadly, some business owners make mistakes when opting for services such as capital growth funds. Luckily, there are still options to avoid this. And, the ideal choice is to know these mistakes. To help you, below are some of the mistakes you need to be aware of

Not considering their needs

One of the main mistakes some business owners make when opting for capital growth funds is not considering their needs. As of now, capital growth funds can offer individuals with numerous benefits. These include improving profits as well as boosting business reputation. Sadly, some business owners do not consider their needs which can affect such services. Because of this, they may end up opting for the wrong services which can affect their goals.

Neglecting investment options

The mistake that some company owners make when opting for growth funds is neglecting investment options. When opting for capital growth funds, business owners need to invest their finances in different types of investment options. However, some individuals neglect these options. As a result, there are cases when they experience huge risks that can easily affect their finances. So, before opting for growth solutions, you need to make sure that you look for the right investment.

Forgetting to be patient

When planning to opt for capital solutions funds, it is also imperative for company owners not to forget to be patient. Surely, most business owners look for investments that can offer them with profits immediately. But, these types of options are quite risky. Plus, there are also instances when these types of investments do not give you the right benefits. Therefore, you need to be patient since most growth funds options yield better results in the long run.

Not opting for the right partners

Finally, some company owners experience mistakes with regard to choosing capital growth solutions due to the wrong partners. Due to the increasing demand of growth funds solutions, there are now numerous service providers business owners can choose from. Unfortunately, not all service providers offer the same quality of services. Other than that, some service providers offer inexperienced professionals. Because of this, plans and decisions cannot be made properly. To avoid this, it is best to look for reliable services providers who can match your needs easily.

Taking A Look At Other Uses Of Aluminum Foil

The aluminum foil is common in the kitchen where it’s used for wrapping food. While foil is popular here, it’s good to know that there are many other ways of using the foil. These other ways include:

Using it to make art

Due to its ease of cutting, the aluminum foil serves as a great material for kids to use in their art projects. Since you can easily bend it, you can use it to make almost any art product you might be interested in. To make the art products you should tear off a small piece of foil and turn it over the dull side. You should draw your design of interest on the dull side and the force of the pencil will push the foil up. This will cause the design on the shiny side to be raised and easy to see. If writing words, write them backward so that they can read normally on the shiny side.

Once you are done turn the foil over and if the design isn’t raised enough, press the pencil a bit harder. You should be cautious when pressing the pencil to avoid overdoing it. If the design is raised enough, decorate it with glue, crayons, and glitter.

Insulating your room with aluminum foil

Who thought a product that you use in the kitchen can be used to prevent heat from getting into your house? You should use the foil to insulate the areas where heat is more likely to come through. This includes the windows and doors. You should start by determining the size of foil you need where the size depends on the number of windows that you have.

You should then cut the foil you need for the door and window. For maximum protection, you should go 6 inches to 1 foot past the window or door’s height or width. You should use duct tape or any other sturdy adhesive to hold the foil in place. You can do the work by yourself or hire a professional to help you out.

Conclusion

These are some of the other uses of aluminum foil. Regardless of the reason, you are buying it, ensure that you buy it from a high-quality store. This is to increase your chances of buying high-quality foil. To achieve ideal results, properly cut it when necessary. For ideal results, use the regular pair of scissors to cut the foil.

The Trending Magazine Insert That Says Thank You

Have you ever been reading through a magazine and been blasted in the face by a pungent and odorous tang of cologne or perfume? Yes, me too. What’s worse is that I will literally bring the thing to my nose over and over, trying to figure out how the smell lasts so very long within the glossy paper. I end up smelling like the magazine all day. One good thing about that kind of magazine insert is that it is memorable. Almost everybody recognizes that experience. So, how do you replicate such a lasting impact with magazine handouts when you aren’t a cologne or perfume manufacturer?

The short answer is, Custom Screen Cleaners. With nearly 1/3 of the entire world population owning a smartphone of some kind, anything that caters to screens is already reaching your market in spades. Add your logo to a sticky microfiber phone cleaner that adheres to the back of a phone and you have a lasting branding impact that is not only useful but memorable too.

Custom Screen Cleaners have been a hit at trade shows for several years now, but a few magazine insert companies have thought to leverage the popular product. The reason they are a hit at trade shows is because the phone cleaner sits on a person’s phone or tablet for literally six months to a year and a half. Every single time the phone is out, which is roughly 150 times a day on average, your logo and information are being blasted around for all to see. Repeated impressions are key with hyper branding that works and this product does that. Once it leaves the magazine and sits on a phone, you are not simply lost on a coffee table, in between the pages. Your brand is also not lost in a drawer where a lot of cheap pens end up.

There are a few big players of screen cleaners out there. The thing to look for is where they are sourced. It’s best to find a company that doesn’t buy the cheap knock offs from China and rather, is US-based. The reason is that the cheap screen cleaners don’t stick very long, defeating the purpose of long-lasting hyper branding. As with other magazine inserts, look for the price breaks at larger quantities. Finally, many microfiber phone cleaner companies have good ties with production and printing companies, just in case you need to reassess your fulfillment side of things.