Making Sure You Choose The Right Accountant For Your Business | accounting

As a sole trader or small limited company, when you first start out you generally do everything yourself. This generally involves everything from answering the telephone and invoicing to cleaning the office not to mention actually doing the work that your clients pay you for.As your business grows you get to the point where you can’t do everything yourself and if you want to continuing growing you are going to have to employ the services of other people. An accountant should be the first professional that you consider hiring but choosing the right accountant for your business isn’t as straight forwards as you might think. Here are some tips to help your decision-making process.Make sure that you hire a qualified accountant for your business. There are many people who will offer to do your accounts for you and on the surface they may appear to carry out a good job but you don’t really know how good a job they are doing until the Inland Revenue ask to look in to your accounts in detail. If this happens then you really need the assurance that your books have been professionally prepared by a qualified person who is up-to-date with current tax laws and allowances.Choose an accountant that you feel that you can have a genuine professional relationship with. Once you start looking around for an accountant there is generally a divide between the big accounting firms and the smaller local accounting firms. If you are a small to medium-sized business then the greater personal attention that you receive from a smaller accounting firm will help in developing a productive long-term relationship. The service fees of a smaller accounting firm are also liable to be much more affordable.Choose and accountant that understands your business. Most smaller accountants tend not to be specialised in a certain area of business and have much more diverse accounting experience. Ensuring that your accountant knows how your business operates is essential to them being able to carry out a good job for you so make sure that your accountant understands your industry and business set-up.Choose an accountant that offers a comprehensive range of services. There is much more to accounting than just bookkeeping and at a basic level your accountant should be able to file your tax returns with the Inland Revenue, prepare your financial statements and if the need arises they should be able to present all of the relevant documentation for auditing. Many accountants will also measure your business performance, help with business and growth planning and support your management team.Make sure that you interview the accountant before choosing and don’t just interview one. Choose two or three accountants that you feel are the best options and compare their services, prices, their knowledge of your type of business and very importantly, how well you get along with them.

Do You Know Which Pet Insurance You Should Get? | Pets

If you have just got a pet, you most likely will not know that there are a variety of ways in which you can protect your pet. As your pet grows on you, so will its age and no time is sooner than now to get it a pet insurance.To get started, let’s get you familiarized with three types of pet insurance:1) Pet Life InsuranceAs veterinary care becomes more and more expensive, it only makes sense that you should get a pet life insurance. Not only will it help you in taking care of hefty medical bills but your pet should be able to live a healthy life because you are able to take it to see the vet for its routine check ups or shots.In most cases, pet life insurance would also protect your pet from injuries that may affect them and get preventive care under the plan. Some pet life insurance plans will also provide your pet coverage for illnesses after thirty days of taking the plan.This is how a pet life insurance will work for you. If the pet becomes injured or has fallen sick, all you have to do is to take it to a licensed veterinarian and pay them for their services after which you can submit a claim along with relevant receipts.However before taking out a pet life insurance policy, you may need to consider a few necessary issues such as:i) What should be covered by the insurance policyii) Different levels of pet insuranceiii) Limits of pet insuranceiv) Whether the plan will cover hereditary conditionv) You should consider the means to pay the premiumvi) You should know if the policy provides third party liability or notvii) Whether there will be any payment when the pet dies.You should also get a pet life insurance in the event your pet deliberately injures another pet or a person in which you may have to pay a sum of money for compensation.There are different types of pet life insurances in which you have to compare prices, consider policy excess, get lifelong cover, and consider all benefits available. You also have to understand the small print to be well informed.2) Travel Pet InsuranceTravel pet insurance basically put, is going to help you take care of your pet by the same way as a regular insurance, but when you travel. This means that if your pet gets sick or hurt, you will not be able to use your regular pet insurance to take care of your pet but you can use your travel pet insurance.You can purchase a temporary policy that will give you travel pet insurance. This policy will generally last a number of days or even weeks. During this period of time if your pet gets sick or injured, you are going to be able to take advantage of the policy to pay for your pet’s recovery.Another type of travel pet insurance provides your pet protection in case you have to ship it some place. This type of travel insurance covers these costs and anything that might go wrong when you have arrived to your destination.3) Embrace Pet InsuranceEmbrace pet insurance allows you to customize your pet insurance policy. This means that you can decide on what you want to include or not include in your embrace pet insurance policy.All of embrace pet insurance policies comes with the basic built-in coverage such as: accidents and illness, genetic conditions, cancer, alternative and complementary therapies, hospitalization, surgery, laboratory and diagnostic testing and drugs administered by your vet.The basic coverage of the embrace pet insurance policy is quite complete already that even if you do not add in for more services, your pet is being protected enough.When customizing your embrace pet insurance, you can make it suit your budget and the needs of your pet. You can opt for your policy maximum, the deductible, co-pay and other options that can help you make your policy more suitable for you and your pet.However it takes the age, health and status of your pet that will determine the parameters on how you can customize your embrace pet insurance policy. For example, if you have a cat and it is relatively young, healthy and stays indoors most of the time, you may be able to take up a policy that will cost you less. You have to evaluate the policy closely and find out where you can save some money.


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