When starting out in business it is usually a prerequisite to open a business account to mange your finances. Unfortunately for many it is uncertain what kind of services your account will need to provide. Here are some of the most common issues that concern small business managers when they are opening an account.
The first issue is the amount of interest your account should provide. More advisable is instead of looking for high interest rates to study the charges that will be applicable to your business account. High interest usually means greater penalties for going into your overdraft, as a young business you may be in and out of the red so try to avoid high interest accounts. If you do however want to pursue high interest rates it is best to look online as internet banks often offer great rates to attract customers.
You may be asking yourself if you will actually need a business account; naturally business is always dependent upon money and ensuring your money is well kept should be a major concern. A business account will help you identify all of your transaction processes and ensure you have clarity. A dedicated account will also provide you with accountability so creditors and the tax man can easily understand your business dealings during audits. It can also give your business some credibility as the bank will usually have to approve your model before managing you finances. That said, it is not crucial to hold a business account. If you are operating as a sole trader there is no need for you to open one, your personal account will suffice.
When you are choosing an account you will be bombarded with services that in reality you will not need. It is best to open a simple checking account that allows you to pay checks and withdraw money. A savings account would be ill-advised as it is unlikely that you will have much to save during the initial stages of starting operations. As a sole trader it is possible to open account that not only presents your name but also the type of business you operate, this can create a far more professional look. As a limited company you will need to open the account in the name of your company rather than your own name.
It is not always advisable to open an account with the bank that controls your personal finances. Shop around as the variety can be amazing; in terms of services, charges and interest. It is also advisable to not give one bank too much control over your finances, if they already manage your personal funds, your company may benefit from using another bank. As a new customer you will also be open to more services than you would be as an existing customer.
When opening an account you will need a number of items. First and foremost the manager will want to see a business plan to see if your chances of success are acceptable. They will also want to know where the start up funds are coming from. Of course a list of signatories will be needed to note who will have access to the finances. While monthly statements are usually sufficient in a personal account, your company will most probably need updates more frequently to assess your financial position accurately. This may carry an added charge but will normally be worth the fee.
By following the advice given in this brief outline it should be possible to find the perfect
Rabu, 06 Januari 2010
Advice For Those Starting A Small Business
Find Checking Accounts That Pay Good Interest Rates
If you are interested in opening a new checking account, you have probably already realized that there are a ton of options available to you. The most obvious option you have is to go with one of the national super-banks that together get 99% of the national media attention due to their huge advertising budgets. Of course, the loudest bank is not necessarily the best one for you - and there are literally thousands of national, local and regional banks that are vying for your business.
With all of these options available to you, choosing the right bank can be a challenge, to say the least. Rather than blindly "interviewing" a couple of banks whose ads you happen to see in the newspaper or on TV, it is a good idea to start by developing a list of the criteria you will need to have fulfilled by the bank you ultimately select.
Of course, you'll want to find checking accounts that pay good interest rates. But, there is so much more than just interest rates to consider. Here are some suggested criteria for your list of banks with attractive checking accounts:
1. Make sure that the bank has plenty of ATM machines set up around the country - and of course in your area. If the bank does not have its own ATM network, at least make sure that they do not charge a fee for using the ATM of another bank or financial institution when you want to withdraw money.
2. Check to see that the bank is insured for up to $250,000 by the Federal Deposit Insurance Corporation. This corporation was created in 1933 by the Glass-Steagall act. For participating banks, it guarantees the safety of your deposit against possible bank failure or other unlikely calamities.
3. If you have been having trouble getting approved for a new checking account, it is possible that your name has been reported to the Chex Systems database. This is a checking account risk assessment database that most banks in the country use. To lower your chances of getting rejected for a new account, find a bank that offers second chance checking. This means that they make it a point to not refer to Chex Systems when considering your application for a new account.
4. Your new bank should offer a checking account with a good interest rate. Make sure to ask the prospective bank about its rates so you can compare.
5. Find a bank that does not charge overdraft fees. Yes - such banks do exist (see, for example: http://www.escape-overdraft-fees.com), although you would never know it, given the rising tide of consumer concern over the overdraft fees being paid by most consumers today. Most banks charge overdraft fees, which can result in hefty fee expenditures throughout the course of a given year. In fact, banks make about $25-$30 billion per year in overdraft fees alone. This represents about 75% of their account maintenance fee-related income!
6. Convenience is a big factor for most people. In addition to the availability of ATM machines near you, make sure that your bank offers an online banking option. This is important, since online banking is a big part of how most people bank today. It allows you to conduct your banking from anywhere with an Internet connection.
So, before approaching just any old bank you come across for a new checking account with a good interest rate, make sure you first create a checklist of your needs and wants that must be met before choosing a bank. Then, as you contact each prospective bank, check each item off, as needed. Soon, the best bank for you will become clear.
Rabu, 30 Desember 2009
Tricks Increase Bandwidth Internet Connection in Windows
By default the Windows operating system limits the amount of bandwidth for your Internet connection is only 20% of the total bandwidth capacity that should be achieved. However you can still increase the bandwidth of your Internet connection so the connection is rather fast, by changing the settings so that the bandwidth limitations of Windows system we can maximize use of available bandwidth capacity.
The steps to modify bandwidth settings are as follows:
1. Click the Start button
2. Click Run
3. Type: gpedit.msc and click OK
4. Once entered gpedit.msc tool and then click Administrative Templates>> Click Network
5. Once opened click QoS Packet scheduler
6. Click on Limit Reservable Bandwidth
7. Change the setting to Enable
8. Change the Bandwidth Limit to 0 (Unlimited)
9. Click Apply>> OK
10. Out of the last gpedit Restart your computer
So and greetings,
Negara pengguna internet terbanyak
Dengan berbagai fasilitas dari handphone itu sendiri dan fitur yang disediakan oleh penyedia layanan menyebabkan gandrung nya internet terutama di kalangan muda. Populernya situs social network macam facebook dan twitter ikut memicu pengguna internet di indonesia. Belum lagi hadirnya layanan 3G dan 3.5G yang ikut mempermudah akses bagi penggunanya.
Tapi tahukah anda berapakah jumlah pengguna internet di bumi ini?..
Berdasarkan situs world stats, indonesia meduduki peringkat 5 besar di asia dari jumlah pengguna internet. Sampai Quarter ke 2 tahun 2009, negara ini telah mencapai angka 25 juta user. Sungguh perkembangan yang fantastis.
Dari populasi penduduk negara ini sebanyak 240 juta jiwa, berarti penetrasi internet sudah mencapai 10 % dari total jumlah penduduk. lalu jumlah broadband internet mencapai 290 ribu sambungan.
Kalau dibandingkan dengan negara jepang sangat kontras sekali. Negara sakura ini sudah mencapai 74% penetrasi internet nya. Dari jumlah penduduk sebanyak 127 juta jiwa, 94 juta jiwa nya sudah terhubung dengan dunia maya.
INDONESIA
ID – 240,271,522 population (’09) – Area: 1,904,443 sq km
keren kan,negara china memang sudah bisa dikatakan macan asia, tingkat melek teknologi dan internetnya udah ajipp,,hanya menunggu waktu saja china akan merajai asia mengalahkan jepang ditandai dengan tingkat melek internetnya pada urutan pertama di asia,,
J A P A N
bagaimana dengan korea, filipina dan indonesia, peluang terbuka lebar dengan jumlah penduduk yang banyak dan bentuk negara kepulauan sangat mendukung hal tersebut..
moga aja ya,,,:D
