Insuring a 7.5 tonne truck is not as easy as insuring a car because there are many more things that have to be taken into consideration other than if you want third party or fully comprehensive. For 7.5 tonne insurance you will have to inform the insurance company of the age of the drivers you expect to drive it, the type of freight you expect it to haul and any countries you envisage the truck may have to pass through whilst making its deliveries. This means that every insurance company you call in order to ask for a quote, you will have to repeat all this information and maybe more. Then you will have to wait whilst each one works out a quote for you. This is a lot of time you will have to spend finding the best insurance for just one truck, so multiply that by the number of trucks you have and you will see that a lot of your time is spent on insurance matters. To avoid wasting all this time, many HGV owners hire insurance brokers to go through all these details with the different insurance companies and then present you with the results. They hire insurance brokers rather than just using an insurance agent as an agent cannot offer them nearly as many alternatives as a broker.
The reason why this is, is because an insurance agent only works for just one insurance company meaning, any policy they offer you is one which their company offers, not what any other company may offer. A broker on the other hand, does not work for any one insurance company and so is therefore free to offer you policies from whichever insurance company he believes will have the most appropriate policy. The details of each policy varies, as of course does the price but, as the insurance brokers have been trained in the insurance business, they understand all the small print on the policies and will willingly decipher them for you.
Having called many different insurance companies, they will then present you with what they believe to be your best options. With them ready to explain the details of each policy, it won’t take you long to inform them of the policy you would like. This therefore takes up very little of your time and yet you finish with a policy which is best suited to your needs and probably at a very reasonable price. Although having insurance is very important, having the correct insurance is equally as important and so having an expert advise you as to which is the right policy or you, is an added bonus you wouldn’t have had, had you gone it alone. As a broker has no allegiance to any one insurance company, their loyalty is to their client. In order for a broker to receive extra business, it is therefore in their best interests to find you the most appropriate insurance at the best possible price.
Paying for your taxes each year is a good thing to do and making your tax return will provide you with a way to get back any extra that you paid for. Even if you get some amount back in return, are 100% certain that you are getting enough back? If you could get an even bigger tax returns , would you? Sure you would, who wouldn’t want to get more refund from their taxes?
In Australia, there are other tax deductions that people are entitled to. The only problem is that not all people know about it. Tax is a very complicated manner that is why most of us just accept whatever amount we have in return and don’t claim what is rightfully ours. If you decide to get more from your tax return, read the tips below carefully. These are simple ways that you can do.
1. Make inquiries to your tax agent – There are expenses that most Australians have but they don’t know that they can claim a refund over it. Tax is really complicated for us and instead of doing our tax return ourselves, we rely on tax agents so that we don’t waste time on it. For you to be able to completely know what tax-deductible expenses are, you have to ask your tax agent. Most of the tax agents can suggest additional deductions for you when you ask them. Among some of those that you can claim are your mobile phone cost, superannuation contributions, and many others.
Don’t think of not including one expense just because it is a single extra expense. The truth is a single expense can mean hundreds of dollars more than what you usually have. So just go ahead and ask your tax agent.
2. Save your receipts – Work related purchases can be plenty and the only way to save on them is to keep those receipts. There is an app called the Etax app that lets you save these receipts so that you can file them at the end of the financial year. It is one of the easiest ways to save receipts. You can take snapshots of the receipts as soon as you get them and save them so that you don’t misplace them. All your receipts will be found in one place.
3. Work-Related Mobile Phone Expenses – Work related calls that you make through the use of your mobile phone can also be claimed. Even if you don’t claim it all, a portion will be given back to you. What you need to produce here is the monthly account statement and then you can compute for the percentage of the calls made that is work related. This is one of the expenses that can make a great difference with your tax return. Not all people notice it because they think that it’s just part of their usual expenses but the truth is it can be claimed if you just file for it. It is really important to know which expenses you are entitled for a refund to help you get more money that you can spend on other things you like.
For some reason, single mothers seem a little shy in accepting advice, let alone assistance but, when it comes to an opportunity for them to improve their level of education, neither advice nor assistance are something they should shy away from. A better education can help them give their children a better start in life and of course can also make life easier or the single mother as well. A recent study has shown that as many as 60% of all American companies would be prepared to assist an employee that was a single mother, on getting a better education for themselves. Then on the internet there are sites that give free scholarships for single mothers advice and by reading these sites, many single mothers that had thought that they could never get assistance in their education will be surprized at just how much assistance is available once you look.
These scholarships or grants towards a better education may not cover all the costs that a single mother may have to make but they generally make enough difference for an attempt at a better education to be made. This type of assistance can come from many sources including the federal government, the state or even the learning establishments themselves and many of the offers are specifically targeted towards single mothers.
Examples of how the federal government can help are the Supplemental Educational Opportunity Grant which, if you qualify, can award you as much as $4,000which can go a long way in realizing a better education. The National Science and Mathematics Access to Retail Talent (SMART) will also award grants of up to $4,000 per applicant. An Academic Competitiveness Grant can be awarded to those single mothers that have already completed secondary school whilst the Teacher Education Assistance for College and Higher Education program will assist those single mothers that would like to take up teaching as a profession. Each individual state has their own programs that can also assist single mothers getting a better education but it is always worth checking with any learning establishments that may be in your area as, they too sometimes offer their own programs, perhaps in nursing.
Private foundations are also a good source for finding scholarships towards a better education and some of those that may apply more for the single mother are; the James E. “Pete“ Petersen Scholarship which actually states that it will give preference to any single mothers that apply. Both the Jeannette Rankin Scholarship Fund and the Shawn Carter Scholarship Foundation have both assisted over 750 women each in getting a better education. The Rankin Scholarship is for women over 35 years of age and has spent over $2 million in giving assistance to them. The Carter Foundation on the other hand, is specifically designed for women under the age of 25 but they have also spent over $1.7 million in giving assistance.
Apart from getting a better education, another piece of advice a single mother should always take is, to remember to find time to laugh.
If you have a self-managed superannuation fund, you most definitely want to hire the services of the best accountant who specializes in self-managed superannuation fund or otherwise known as smsf.. You most certainly want to make the most of your funds, so you prefer to hire an accountant who is an expert in the field. It is true that there are now so many high-caliber accountants, but it is still a good idea to choose one very carefully. You must take note that the reputation of the accountant is a very important factor that you must consider as well. If you have a hard time choosing the right accountant to help you manage your self-managed superannuation fund, you can follow the tips below.
Have a clear plan of what you intend to do with your funds.
It is true that the accountant can do almost everything on your behalf, but it is also a wise idea if you also try to think about what you really want to do with your funds. You must have at least a couple of investment proposals for instance. You must also decide the amount you prefer to use for your proposed investment. Another important thing to consider is whether you wish to hire an accountant or not. If so, you must also know beforehand about the fees you are going to pay for the services rendered by the accountant that you hire.
Find your prospective accountants at the right places.
More often than not, some clients fail at hiring the best accountants because they search at the wrong places or they do not know how to choose the best accountant. You have more chances of making the most of your funds if you hire the best and most experienced accountant since he or she knows exactly how to manage your funds well. When you search for the best accountant, you must ask the right people such as your friends, co-workers and those people who are also hiring an accountant. When you read the reviews, be sure to copy correctly the names of the best accountants that are mentioned in the reviews.
Screen the best accountants.
Knowing the names of the best accountants and choosing only one accountant at random is not enough. Although many people have recommended them to you, it is still a wise idea to get to know them better before you hire the best one. You must set an appointment to see each one of them so that you can ask them some questions and you can also see whether you have already found the best accountant or not. You can also check out their websites and try to see if you like the services they are offering or not. You can also compare their rates. They must be able to show you some of their best references. Check out the feedbacks given by their previous clients as well. After evaluating all of them, you are now ready to hire the best one. Be wise enough to choose the kind of accountant that offers the most excellent services at the most excellent fees.
WE all know that a starting business must start small. But what about those that are starting big? Probably it can be, but it’s hard for sure as a start. You might definitely want to lose you sanity by managing a large newly born company without having any idea where to start or what to begin with. Some amateurs are out there giving free tutorials and tips on how to do it, but still doesn’t suit your questions.
As a professional tip, you must start small or just the average scale of business. But before that, you need to see where the money flows in. You can have a number of lists from different sectors or departments in your business. Right after you have chosen a company or brand name for your business. You can then plan your strategy. Tracking the path of where the money goes, you must have an alternative plan on the track somewhere else. Just in case your business stumbles upon a bump, you get to choose a different track – with the same destination or target.
It’s like a stream, if it meets an unexpected flow, it tries to make it’s own way. As for your business, you must be the one to make that track – ready made. It’s either an alternative just in case your business goes on a downfall. It’s like a store having a sale on products which are almost expired and didn’t give off much profit into your business. For more info for starters, you can watch the video below.