Monthly Archives: July 2016

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Mistakes to Avoid While Purchasing Business Insurance

Every business, whether small, medium or large, is exposed to risks. Air Jordan 7 Donna You can rule out these risks by purchasing business insurance which covers for the loss of revenue.

You should, however, choose the right insurance which is suitable for your business. This article discusses mistakes that you should avoid, while purchasing business insurance.

Right insurance protects your finances:

Irrespective of the size and type, every business has the possibility of facing risks; they can either be man-made or natural. Air Max Goedkoop Natural risks include floods, heavy rains, violent winds (storm, gales, hurricanes and the like), lightning and the manmade risks include vandalism, theft, accidents at workplace resulting in casualty, loss of business data, inadvertent leakage of data and so on.

To choose the most suitable insurance for your business, taking into account the nature of your business is very important. While purchasing business insurance, you need to consider things like products/services you offer, the customer base, availability of raw materials, whether the product needs new design/method, or any other issue that may potentially be a risk factor for your business.

Purchasing business insurance is a sensible decision in favour of your business. It is also important that you should avoid the following mistakes while purchasing the insurance.

Underestimating the importance of business insurance:

Every business has its own risks. nike air max 1 ultra flyknit femme You should not underestimate the risks your business may face. goedkoop nike air max 2017 However small the risk is, you should purchase the right type of insurance for your business. Purchase the insurance even if your company finances are good enough to withstand the risk.

Getting attracted to low priced policies:

Don’t mistake low priced policies for cost effective policies. air max pas cher The low premium might be because the risk it covers is low. If this is the case, it might be troublesome to you in the event the expenses of compensation exceed your policy cover. You need to take an insurance cover that is, sufficiently more than the probable claim for compensation.

Avoid purchasing a smaller cover for your business. Nike Air Max 2017 Heren rood In case of higher deductibles, you will have to spend a huge amount from your pocket. A deductible is an amount that the policy holder has to pay before getting compensation from the insurer. asics buty The deductibles are small and lead to lower premiums.

As a thumb rule, check out for all the aspects such as, the cover for building (where your business is located), Employers Liability Insurance, as per rules of government from time to time, regardless of your size, type, hazardous nature, location of your business.

Under or over insuring:

Avoid under insurance, it may lead to considerable loss to your business. This is because under-insurance cannot cover all the expenses that you have to bear in the event of claim. Maglia Blake Griffin Purchase an insurance cover that is adequate for your business.

Over insurance will also not help you. It leads to more expenses. At times you might be tempted to buy business insurance that seems less expensive. But, in reality the insurance cover that is less expensive may not cover the type of risk that your business may face.

Buying insurance from brokers/agents with no/less knowledge:

Purchasing insurance is not an easy task. It requires great deal of research. Choose brokers/agents who specialise in business insurance. Adidas Nmd Pk Runner Ensure you choose the ones that have good track-record in claims settlement and servicing the users.

Consider purchasing insurance from brokers. Maglia Tracy McGrady Look out for an insurance broker with great experience and repute, and who can provide you the best service at optimal costs. You should avoid brokers/agents with lower credibility.

To forge an optimal deal for your business, choose a reputed brokerage firm. Such brokerage firms deal with a range of insurance products, and are knowledgeable.

Preparation of Profit and Loss Account

Explanation of Certain items of Profit and Loss Account

1. Salaries

Salaries are paid for the services of employees and are debited to profit and loss ac- count being indirect expense. If any salary has been paid to proprietor or partners, it should be shown separately because it requires special treatment at the time of income tax assessment.

2. Salaries and Wages

When wages account is included with salaries it treated is as indirect expense and is taken into profit and loss account.

3. Rent

Rent of the office shop showroom or godown is an indirect expense and so is debited to profit & loss account. However, rent of factory is debited to trading account. When a part of the building has been sublet the rent received should be shown on the credit side of profit and loss account as a separate item.

4. Rates and Taxes

These are levied by the local authorities to meet public expenditure. It being an indirect expenditure is shown on the debit side of profit and loss account.

5. Interest

Interest on loan, overdraft or overdue debts is payable by the firm. It is an indirect expense; so debited to profit and loss account. Interest on loan advanced by the firm on depositor investments is an income of the firm and so is credited to the profit and loss account.

If business has paid any interest on capital to its proprietor or partners it should also be debited in the profit and loss account but separately because this item needs special treatment at the time of income-tax assessment.

6. Commission

In business sometimes agents are appointed to effect sales, who are paid commission as their remuneration. So this being a selling expenses is shown on the debit side of profit and loss account. Sometimes commission is also paid on purchases of goods, such ‘as expense should be debited in the trading account. Sometimes the firm can also act as an agent to the other business houses and in such cases it receives commission from them. Commission so received is shown on the credit side of profit and loss account.

7. Trade Expenses

They are also termed as ‘sundry expenses’. Trade expenses represent expenses of such a nature for which it is not worthwhile to open separate accounts. Trade expenses are not taken to trading account.

8. Repairs

Repairs to the plant, machinery, building are indirect expenses are treated expense and are debited to profit and loss account..

9. Traveling Expenses

Unless mentioned otherwise, traveling expenses are treated as indirect expenses and are debited to profit and loss account.

10. Horse & stable Expenses

Expenses incurred for the fodder of horses and wages paid for looking after stable are treated as indirect expenses and debited to profit and loss account.

11. Fjällräven Kånken Big Apprentice Premium

This is the amount charged from persons to whom training is imparted by the business. Manti Te’o College Jerseys It is an income and is credited to profit and loss account. In case apprentice premium is charged in advance for two or three years, then the amount is distributed over number of years and each year’s profit and loss account is credited with its share of income.

12. adidas italia Bad debts

It is the amount which could not be recovered by the trader on account of credit sales. It is a business loss, so is debited in the profit and loss account.

13. Nike Air Max Dames Life Insurance Premium

If the premium is paid on the life policy of the proprietor of the business; it is treated as his drawings and is shown by way of deduction from the capital account. nike tn 2017 homme It should not be taken to profit and loss account.

14. Insurance Premium

If insurance premium account appears in the trial balance, it stands for the insurance of the business. New Balance Polska This is taken to profit and loss account. Insurance premium on goods purchased, factory building, factory machines are treated as direct expense and are taken to trading account.

15. Income Tax

In the case of merchant income-tax paid is treated as a personal expense and is shown by way of deduction from capital account. Income-tax in case of companies is treated differently.

16. Discount allowed and Received

Discount is a reward for prompt payment. It is belief to show discount received and discount allowed separately on the credit and debit side of profit and loss account respectively instead of showing the net balance of this account.

17. Depreciation

Depreciation is a loss incurred on account of use of fixed assets in the business. Generally, it is charged from profit and loss account at a fixed percentage. The students should exercise great care as regards the rate of depreciation. If rate is without words ‘per annum’, then the rate will be taken irrespective of the period of accounts. This is very important when the period of accounts is less than one year. Fjallraven Kanken 16L On the other hand, if the rate of depreciation is ‘per annum’ the depreciation should be calculated on the assets with due consideration to the period for which the asset has been used in business during the year. In case of additions to assets during the year, it is advisable to ignore depreciation on additions if the date of additions is not given. Same rule shall hold good for the sale of assets during the year.

18. Stock at the end appearing in the trial balance.

It is important to emphasize the rule that balance appearing in the trial balance is taken to one and only one place. new balance damskie It may either be trading account or profit and loss account or balance sheet. Since stock at the end is an asset, it will betaken to balance sheet. nike air max 2017 goedkoop On the other hand, so long as there is stock in trade, account for that must be kept open and thus be taken to the assets side of balance sheet.

The author is an engineering graduate, B.E.(Hons), and is managing his own software development firm, HiTech Computer Services, that mainly deals in accounting, billing and inventory control software for traders, industries, business houses, hotels, hospitals, medical stores, newspapers, magazines, petrol pumps, automobile dealers, commodity brokers and other business segments, website and web application deveopment for business. The software are available both for intranet and internet.

From a Case of Severe Business Data Loss

Sometimes when you prepare properly for disaster, it seems less traumatizing when the disaster occurs. nike tn requin pas cher We all know that technology is unpredictable but many of us live in the shadow of denial until something goes wrong and we are left kicking ourselves. nike air max pas cher Data loss can happen anywhere at any time and not even small businesses are safe from when the data disaster will strike. Solde adidas superstar So, stop kicking yourself, take a deep breath and rationalize the situation. The truth is that data loss is a huge inconvenience but not the end of your world for your small business and you can prevent these catastrophic events.

It has recently been revealed that small businesses do not back up their data often enough or at all which results in severe data loss when the situation strikes. Approximately one in five small businesses face some form of data loss in their company and when this happens, panic ensues. Nike Air Max 1 Pas Cher Data information loss for your business can cost you time and money; two entities which you cannot afford to lose. Nike Air Force 180 Mid To ensure the prevention productivity decrease as well as revenue loss, data loss prevention is imperative in order to avoid these disasters and keep on track with your small business needs.

It has been said numerous times before but will be mentioned again, prevention is the only way to ensure that this loss doesn’t happen to you and your business. But in a perfect world, not all businesses are fully prepared for data loss and damage. Scott Kazmir Jersey The good news is that data recovery can be performed on your data, ensuring that you are once again in control of your small business and ready to move forward.

By performing a Business Impact Analysis, you can identify what the data information loss problem is and form a strategy for data recovery. Air Jordan 1 Once a Business Impact Analysis has been conducted you can establish your data recovery budget and the implication of the relevant loss.

Some businesses think that data information loss will never happen to them and this results in the business not backing up their valuable data. baskets noires Asics Lyte Jogger The truth is, you can never back up data too much and being extra vigilant to the point of obsession is better than facing a data loss situation.Loss can happen unexpectedly as one small computer problem can result in a large amount of loss. Nike Air Max Dames Goedkoop As with all other business practices, compiling a strategy for data backup is just as important and other business practices to avoid loss.


Biographical Essay or dissertation Options

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Identify the foremost essential info about the individual that you are getting acquainted with for ones Language try paper. Adidas Schoenen Both equally forms of essay have got two or three things inside common. You should learn how to closure the essay the best option process, for the best effect.

You are simply because resourceful as you wish to become, on condition that a seek transmits the correct material on the reader. As well as, you want to don’t forget that this may not be some sort of composition for use on your The english language class. The whole set of documents they’ve already accomplished varied tutorials is normally looked at as academic. While autobiographic documents may very well be a powerful truncated evaluation associated with a very existence, they often think about an individual good results or simply experience. fjallraven kanken goedkoop Autobiography works commonly are not influenced by all well known personalities.

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Some will probably are convinced getting to know the right way to produce any autobiography is really a struggle. Autobiographies happen to be complete reports regarding peoples lifetime and for that reason, they should be wind up being created with the help of amazing consideration and responsibility. A strong autobiography might be even so, not just a gang of a description of someone’s life. Authoring some sort of autobiography important event large job. nike air max goedkoop Therefore, whether or not you intend to prepare a great autobiography or merely come with an encourage to look on a everyday life of your well-known along with infamous, a majority of these autobiographies count reading. When you’re thinking that about how precisely exactly in order to prepare the autobiography each one of these, could maintain your foreign language straightforward plus easy.

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