Month : June 2011

Guest Post

Business Checks: An Overview

Starting a small business is a difficult undertaking. Aside for the myriad details associated with the industry, the business owner must also work out how he will run his payroll and bookkeeping system. There are user-friendly programs such as Quickbooks, Intuit, and others, that can help organize business accountings. An important accessory that must come along with any of these programs are business checks.

Business checks work with an account held by the company, rather than a personal bank account. They help organize the finances of any business. When a business check is printed, necessary facts that are associated with the payment are printed on the stub. This helps ensure that all essential transactions are recorded. With many dealings taking place daily, it is easy to forget about payments. The use of business checks will help facilitate the recording of any business deals that took place.

Business checks that are compatible with common accounting programs are available, for foolproof use. Quickbooks checks and other checks of its kind are sold in more than one format. Business checks are especially important to a new business that wants to make a professional impression. They often come with many options, including how many checks to have on a page, to the smallest details, such as font, and background. They may be purchased with three on a page, if stubs are not necessary, one on a page with two stubs, or three on a page with side stubs. The last option fits nicely into a binder. The company logo may also be printed on the check, for a nice finishing touch.

Business checks may be ordered from the local bank, online, or printed personally. Each have pros and cons. The bank will already have the business owner’s information so he may not have to resupply it. However, the bank orders from a check printing company. As the middleman, the bank jacks up the price. Also, it can take a while for the checks to arrive. Online ordering may be very affordable, as many sites offer frequent coupons, and online check printing companies offer many options for personalization of business checks. Printing checks manually is the most affordable, and not very complicated. However, many small business owners don’t have the time, and would rather buy checks online.

When printing checks through the use of an accounting program, the program should be learned thoroughly first. Many of the details that must be entered on the stub are automatically entered, simplifying the process. For example, the system will automatically record the name of the payee, date of the check, vendor account number for the payee, and other details that are forgotten once the check is in the mail. Some accounting programs will even enter the information in the check register.

Employees also appreciate the features associated with business checks. For businesses that work with direct deposit for employees, voucher checks can be issued every time a deposit is made. Voucher checks provide a valid record of payroll deductions for employees. Some such data includes federal income tax withholdings, 401k, and other payroll deductions. The use of business checks can greatly improve the organization of any business’s accounting records. They help keep accurate records of all transactions, help to convey a professional image, and simplify payroll.

Bio: Tony Cain is a financial expert who advocates the use of quickbooks checks, and all business checks for easy and organized accounting. He prefers TechChecks for affordable and fast service.

Guest Post

Ways To Save Money On Your Car Insurance

There are a few constants in life: you’re born, you live and you die. Oh, and you also pay for insurance and taxes along the way. While there is little that can be done to control certain expenses, driving down the cost of car insurance is easier than you might think.

The Internet has revolutionized modern society in general, and it has proved a particularly useful tool for motorists. Everything from buying a car to getting it covered has been made more convenient by the web, and also cheaper in the case of car insurance.

In the UK, for instance, using price comparison websites to shop around for the best deals is extremely popular and the savings that can be made are incredible. It’s not just car insurance where you can dramatically slash your outgoings, as cut-price deals are also available on house and travel insurance, utility bills and pretty much anything you care to think of.

Compare car insurance from moneysupermarket.com, the UK’s leading price comparison website, and you could save an average of 302 pounds (approx. $490) on your next policy.

That could be increased even further if you consider several other factors. Like thinking about how much you actually use your vehicle and then being pragmatic. The more kilometers you clock up every year, the more you’re likely to pay in car insurance. Not to mention how many times you’ll have to visit the gas station, which is an expense we all loathe. If you’re on the road a lot through business then you can expect your premium to be considerably higher.

Depending on your age, it can sometimes be beneficial to add another more experienced driver to your policy in order to lower the cost. It’s something that you should definitely look into, as doing some research in this area may unearth more ways to put that little bit extra back into your pocket.

Picking a policy with a higher excess may also prove a shrewd move. Granted, in the event of having to claim you’ll have to stump up more, but then again it’s a way of keeping costs down. There’s a certain element of risk involved so be sure to think carefully and get as many quotes as possible. Only you’ll be able to know whether it’s a risk worth taking and whether the pros outweigh the cons.

Where you park your car at night is a standard question that insurers tend to ask when the time comes to search for a new policy. Another safety issue to be mindful of is having the right vehicle security. Get an alarm or immobilizer fitted if necessary and always be vigilant when leaving your car unattended for any length of time to remove all valuables to reduce the risk of it being targeted by criminals.

This is a guest post by moneysupermarket