Monday, December 6, 2010
Monday, October 18, 2010
Abdominal Exercises Progression
Because of tradition, abdominal exercises are often executed in long sets of 50, 100, or even 200 repetitions. Friends even turn it into a contest:
- "I did 4 sets of 200!"
- "Really? I did 6 of 300."
http://supercoolstuff1.blogspot.com/
http://steve116.typepad.com
Who would get the best results from their abdominal exercises in this scenario? No one. Here's why.
Long sets of abdominal exercises are not optimal if you want six pack abs. It's basic physiology: muscles grow better on heavy, medium-repetition (about 8-12) sets. Would you train your chest using 4 sets of 200 repetitions? I thought so. Abdominal muscles are no different, and they need to grow if you want them to show.
http://coolstuffforyou.tumblr.com
http://verycoolstuff.xanga.com/
But let's say you can do 12 crunches. Do you stop there (since sets of 8-12 work best)? Of course not. You need to make the crunches harder by increasing the weight you lift every repetition. But how? By positioning your arms differently. Following are 3 arm positions you can use with all abdominal exercises to make them harder and more effective at building six pack abs.
1. Arms along your sides. Can't get any easier.
2. Arms crossed across your chest. Intermediate difficulty.
3. Hands behind your head.
4. Arms overhead. Can't get any harder
without adding external weights.
5. Arms crossed across your chest, with some external resistance (a plate or a heavy book, for example).
So, keeping with the crunch example, once you hit 12 repetitions with your arms along your sides, start your next set with your arms crossed across your chest.
Again, once you can do 12 repetitions with your arms crossed across your chest, start your next abdominal exercise set with your arms overhead.
http://coolstuff1.livejournal.com/
http://verycoolstuff1.wordpress.com
http://support129.typepad.com
Once your can do 12 repetitions with your arms overhead, you'll want to use some form of external weight (dumbbell, plate, dictionary, etc.). You can hold it across your chest (some people feel more comfortable that way) or at arm's length, overhead. The same principle also applies to all abdominal exercises: when you hit 12 repetitions, increase the difficulty by changing your arm's position.
Next time you're about to start a set of 200 crunches, try crossing your arms across your chest. See how many repetitions you can perform this way, and how the burn in your abdominals feel. Then drop me a line at my website below.
- "I did 4 sets of 200!"
- "Really? I did 6 of 300."
http://supercoolstuff1.blogspot.com/
http://steve116.typepad.com
Who would get the best results from their abdominal exercises in this scenario? No one. Here's why.
Long sets of abdominal exercises are not optimal if you want six pack abs. It's basic physiology: muscles grow better on heavy, medium-repetition (about 8-12) sets. Would you train your chest using 4 sets of 200 repetitions? I thought so. Abdominal muscles are no different, and they need to grow if you want them to show.
http://coolstuffforyou.tumblr.com
http://verycoolstuff.xanga.com/
But let's say you can do 12 crunches. Do you stop there (since sets of 8-12 work best)? Of course not. You need to make the crunches harder by increasing the weight you lift every repetition. But how? By positioning your arms differently. Following are 3 arm positions you can use with all abdominal exercises to make them harder and more effective at building six pack abs.
1. Arms along your sides. Can't get any easier.
2. Arms crossed across your chest. Intermediate difficulty.
3. Hands behind your head.
4. Arms overhead. Can't get any harder
without adding external weights.
5. Arms crossed across your chest, with some external resistance (a plate or a heavy book, for example).
So, keeping with the crunch example, once you hit 12 repetitions with your arms along your sides, start your next set with your arms crossed across your chest.
Again, once you can do 12 repetitions with your arms crossed across your chest, start your next abdominal exercise set with your arms overhead.
http://coolstuff1.livejournal.com/
http://verycoolstuff1.wordpress.com
http://support129.typepad.com
Once your can do 12 repetitions with your arms overhead, you'll want to use some form of external weight (dumbbell, plate, dictionary, etc.). You can hold it across your chest (some people feel more comfortable that way) or at arm's length, overhead. The same principle also applies to all abdominal exercises: when you hit 12 repetitions, increase the difficulty by changing your arm's position.
Next time you're about to start a set of 200 crunches, try crossing your arms across your chest. See how many repetitions you can perform this way, and how the burn in your abdominals feel. Then drop me a line at my website below.
Friday, June 11, 2010
Termite Tenting Preparation
If you have an especially large termite infestation, your pest control company may suggest a termite tenting preparation for your home. Termite tenting preparation is generally used when the entire house, or at least a majority of it, is infested inside the home or structure. The pest control company will erect a giant tent around your house and then they will release a termite killing gas into the home or structure.
As with any procedure that involves pesticides, termite tenting preparation is often considered dangerous, unnecessary, and outlandishly expensive, but the truth is that if your home has a bad termite problem, this may be the best option for you. By fumigating the structure with termite killing gas, it’s a way to kill off any of the worker termites that are residing inside your home and can allow you to begin gaining control of a damaging situation.
What happens when you choose a termite tenting preparation for your structure? First, the structure is covered with a tarp or tent that is sealed and secure. You will have to stay out of the home for at least two to three days and be sure that all food products are inside sealed bags which the pest control company can usually provide for you. They will release the termite killing gas inside the structure and place fans inside to circulate the gas. Warning signs will be placed around your property to keep anyone outside of the structure while the gas is circulating and killing the termites.
On the second day of your termite tenting preparation, the tarp will be removed and the gas will be aired out of the home. On the third day, your pest control company will verify that all of the gas is removed from the home by using special instruments to gauge how much, if any gas is left. These instruments will determine if it is safe for you to come back into your home.
Many people are apprehensive about termite tenting preparation because of the use of the powerful gas used to kill the termites. While the gas can be lethal when breathed in in large doses, but it is actually safe once the home has been cleared by the pest control company. The gas that is used does not stick to surfaces, so it won’t adhere to things like dishes, countertops, and furniture. Some people, however, choose to wipe down all exposed surfaces for piece of mind, and that’s alright.
When you have a termite tenting preparation done to your home, it will kill all live termites inside the structure. It will not, however, kill the termite eggs that remain. However, when the baby termite eggs hatch, there will be no worker termites to feed them, so they will die off quickly. It is also important to have the area under your house treated as well to kill any subterranean termites that have taken up residence under your home. If you neglect this step of the procedure, you will risk re-infestation.
Termite tenting preparation for severe termite infestations can be a good way to get rid of your termites in one fell swoop. However, don’t forget to formulate a follow-up plan with your pest control company to prevent those pesky insects from coming back!
As with any procedure that involves pesticides, termite tenting preparation is often considered dangerous, unnecessary, and outlandishly expensive, but the truth is that if your home has a bad termite problem, this may be the best option for you. By fumigating the structure with termite killing gas, it’s a way to kill off any of the worker termites that are residing inside your home and can allow you to begin gaining control of a damaging situation.
What happens when you choose a termite tenting preparation for your structure? First, the structure is covered with a tarp or tent that is sealed and secure. You will have to stay out of the home for at least two to three days and be sure that all food products are inside sealed bags which the pest control company can usually provide for you. They will release the termite killing gas inside the structure and place fans inside to circulate the gas. Warning signs will be placed around your property to keep anyone outside of the structure while the gas is circulating and killing the termites.
On the second day of your termite tenting preparation, the tarp will be removed and the gas will be aired out of the home. On the third day, your pest control company will verify that all of the gas is removed from the home by using special instruments to gauge how much, if any gas is left. These instruments will determine if it is safe for you to come back into your home.
Many people are apprehensive about termite tenting preparation because of the use of the powerful gas used to kill the termites. While the gas can be lethal when breathed in in large doses, but it is actually safe once the home has been cleared by the pest control company. The gas that is used does not stick to surfaces, so it won’t adhere to things like dishes, countertops, and furniture. Some people, however, choose to wipe down all exposed surfaces for piece of mind, and that’s alright.
When you have a termite tenting preparation done to your home, it will kill all live termites inside the structure. It will not, however, kill the termite eggs that remain. However, when the baby termite eggs hatch, there will be no worker termites to feed them, so they will die off quickly. It is also important to have the area under your house treated as well to kill any subterranean termites that have taken up residence under your home. If you neglect this step of the procedure, you will risk re-infestation.
Termite tenting preparation for severe termite infestations can be a good way to get rid of your termites in one fell swoop. However, don’t forget to formulate a follow-up plan with your pest control company to prevent those pesky insects from coming back!
Monday, May 24, 2010
Ferrets A Friendly Playful Pet
Ferrets, often considered a rare pet to own. Most individuals choose dogs, cats, birds, or fish to complete their family, however a select few turn to the ferret for its social, playful, curious qualities. Ferrets love to play and explore not only with others and their owners, but also on their own. For this reason, you need to know a few things on how to take care of a ferret.
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
First, you will want to ferret proof your home before you introduce them as pets. They will crawl into walls, furniture, and anywhere they can get their little bodies. It is much like childproofing a home for a baby. You will want to make sure all of the dangers are eliminated when you allow them out of their cages for playtime.
Ferrets are also biters. The kits, baby ferrets, tend to bite more. You can eliminate the problem or tone it down with frequent handling. It is a sign of their behavior as mock fighting or sparring. The younger ferrets tend to bite more when they are teething and do not mean any harm. For this reason, you will want to handle the ferret or ferrets as often as possible to help reduce the biting behavior. Often those who do not take the time or patience to train their ferret end up leaving the animal in its cage and thus it has a shorter lifespan. Please make sure you are up to the task of training a ferret before brining one into your home. Trained properly they can be as great a pet as cats or dogs.
A ferret’s lifespan is usually six to ten years, however proper care and feeding can lead to a little longer life. Ferrets are carnivores so they require a high protein diet. Most owners decide to feed their ferret’s mice, rats, rabbit, and other raw meats such as chicken. Stores carried other types of ferret food that many owners choose over the live food. Carefully reading the label will tell you if it has the proper high protein diet. Most kitten food can be used for example because it is designed to be high protein and fat for growing cats.
While play is an important part of your ferret’s life so is sleep. Most ferrets spend fourteen to eighteen hours a day sleeping. Part of sleeping is to rejuvenate them from the active play life they have. They love to explore and to play with toys. Many pet stores have toys for ferrets, or you might have something around the house that your ferret will find appealing.
The type of cage is important. Ferrets tend to be very smart so you will need a cage they can get plenty of air, but small enough bars they cannot break away. You will also want to clean the cage once or twice a week depending upon the number of ferrets you have, how dirty the cage looks. They are also burrows so some type of bedding is required.
Ferrets are little balls of fur that love to play and interact with humans and each other. While there are some special concessions you need to make to have a ferret the results are worth it. Proper training as a kit will give you even more joy when they reach adulthood.
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
ferrets as pets
First, you will want to ferret proof your home before you introduce them as pets. They will crawl into walls, furniture, and anywhere they can get their little bodies. It is much like childproofing a home for a baby. You will want to make sure all of the dangers are eliminated when you allow them out of their cages for playtime.
Ferrets are also biters. The kits, baby ferrets, tend to bite more. You can eliminate the problem or tone it down with frequent handling. It is a sign of their behavior as mock fighting or sparring. The younger ferrets tend to bite more when they are teething and do not mean any harm. For this reason, you will want to handle the ferret or ferrets as often as possible to help reduce the biting behavior. Often those who do not take the time or patience to train their ferret end up leaving the animal in its cage and thus it has a shorter lifespan. Please make sure you are up to the task of training a ferret before brining one into your home. Trained properly they can be as great a pet as cats or dogs.
A ferret’s lifespan is usually six to ten years, however proper care and feeding can lead to a little longer life. Ferrets are carnivores so they require a high protein diet. Most owners decide to feed their ferret’s mice, rats, rabbit, and other raw meats such as chicken. Stores carried other types of ferret food that many owners choose over the live food. Carefully reading the label will tell you if it has the proper high protein diet. Most kitten food can be used for example because it is designed to be high protein and fat for growing cats.
While play is an important part of your ferret’s life so is sleep. Most ferrets spend fourteen to eighteen hours a day sleeping. Part of sleeping is to rejuvenate them from the active play life they have. They love to explore and to play with toys. Many pet stores have toys for ferrets, or you might have something around the house that your ferret will find appealing.
The type of cage is important. Ferrets tend to be very smart so you will need a cage they can get plenty of air, but small enough bars they cannot break away. You will also want to clean the cage once or twice a week depending upon the number of ferrets you have, how dirty the cage looks. They are also burrows so some type of bedding is required.
Ferrets are little balls of fur that love to play and interact with humans and each other. While there are some special concessions you need to make to have a ferret the results are worth it. Proper training as a kit will give you even more joy when they reach adulthood.
Tuesday, May 4, 2010
Acupuncture and Weight Loss - can help take out the excess weight
There are a lot of people who are overweight. For those who are obese, perhaps surgery is the best option but for those who can’t, they can try to see if acupuncture can help take out the excess weight.
Acupuncture is a form of holistic healthcare that uses needles to help treat a patient. Unlike the cartoon where the balloon will pop and all the air will go out, the needles that are inserted into the vital points will stimulate the body to release endorphins thus helping the person control their appetite.
But before needles are inserted, the specialist will first ask the patient some questions and perform an examination. This is needed to understand the main cause for the person to be overweight.
Part of examination is to help the acupuncturist figure out where the needles will be inserted. Your pulse will give the person an idea on your general state of energy and the general health of your stomach.
You will also have to open your mouth and show your tongue to check for cracks, peelings or puffiness on the stomach area as this provides clues to why you are overweight.
Once he or she knows the reason, this is the time that the needles are inserted into different parts of the body. One way is called the multi-targeted approach which is designed to lower the body’s weight by increasing the output of the pituitary gland.
The areas where the needles will be inserted will be in the ear and in two of three body points. These areas could also include the mouth, the stomach, the lung, the endocrine, the spleen, kidney or thyroid.
During the initial treatment, the “Four Gate” points would be used to circulate energy throughout the entire body. It is also possible that electro simulation will also be done to increase endorphin release and stimulate metabolism.
These needles will be kept in place for 30 to 45 minutes depending on how much support is needed. These are then removed and replaced with ear tacs with adhesives to make sure they are in the same spot as the needles.
These ear tacs work by applying mild pressure whenever he or she feels hungry. It causes a mild endorphin release and helps the patient relax making it possible to use their willpower and resist the temptation to eat.
The patient will also have to reduce cravings on certain food by cutting down the intake. Some studies suggest that this can also lower insulin levels or lipid levels in the blood.
The best part about acupuncture is that there are no harmful side effects and no chance for an addiction to occur. The patient will have to come back for regular treatment and have to pay attention to one’s diet and exercise regularly as needles can only do so much to control one’s weight.
The number of treatments for someone who is overweight varies depending on how many pounds they want to lose, the speed at which they want to lose it and their commitment to sticking to the plan.
The average patient on the other hand who wants to lose 5 to 10 pounds will have to come for treatment every three days or twice a week then once this is attained, once every two weeks. It is up to the person until when the treatment will be done which shows that acupuncture can help you lose weight.
Acupuncture is a form of holistic healthcare that uses needles to help treat a patient. Unlike the cartoon where the balloon will pop and all the air will go out, the needles that are inserted into the vital points will stimulate the body to release endorphins thus helping the person control their appetite.
But before needles are inserted, the specialist will first ask the patient some questions and perform an examination. This is needed to understand the main cause for the person to be overweight.
Part of examination is to help the acupuncturist figure out where the needles will be inserted. Your pulse will give the person an idea on your general state of energy and the general health of your stomach.
You will also have to open your mouth and show your tongue to check for cracks, peelings or puffiness on the stomach area as this provides clues to why you are overweight.
Once he or she knows the reason, this is the time that the needles are inserted into different parts of the body. One way is called the multi-targeted approach which is designed to lower the body’s weight by increasing the output of the pituitary gland.
The areas where the needles will be inserted will be in the ear and in two of three body points. These areas could also include the mouth, the stomach, the lung, the endocrine, the spleen, kidney or thyroid.
During the initial treatment, the “Four Gate” points would be used to circulate energy throughout the entire body. It is also possible that electro simulation will also be done to increase endorphin release and stimulate metabolism.
These needles will be kept in place for 30 to 45 minutes depending on how much support is needed. These are then removed and replaced with ear tacs with adhesives to make sure they are in the same spot as the needles.
These ear tacs work by applying mild pressure whenever he or she feels hungry. It causes a mild endorphin release and helps the patient relax making it possible to use their willpower and resist the temptation to eat.
The patient will also have to reduce cravings on certain food by cutting down the intake. Some studies suggest that this can also lower insulin levels or lipid levels in the blood.
The best part about acupuncture is that there are no harmful side effects and no chance for an addiction to occur. The patient will have to come back for regular treatment and have to pay attention to one’s diet and exercise regularly as needles can only do so much to control one’s weight.
The number of treatments for someone who is overweight varies depending on how many pounds they want to lose, the speed at which they want to lose it and their commitment to sticking to the plan.
The average patient on the other hand who wants to lose 5 to 10 pounds will have to come for treatment every three days or twice a week then once this is attained, once every two weeks. It is up to the person until when the treatment will be done which shows that acupuncture can help you lose weight.
Acupuncture and Autism - experiment with alternative forms of treatment
Studies have shown that there is an increase in the number of children that have been diagnosed with autism. Until now, doctors have not yet found a cure to this illness which is why some parents want to experiment with alternative forms of treatment and one example is acupuncture.
Acupuncture is a holistic approach in treating and preventing certain diseases. Its main tool are very thin needles that are inserted to targeted points in the body. The body has about 400 of them linked through a system known as meridians or pathways. Once these are stimulated, these are supposed to create balance in the body.
Autism on the other hand is a brain disorder that is long term. This disease is characterized by deficits in language, social communication and cognition. Children who are diagnosed with this illness may also suffer from secondary problems such as aggression, irritability, stereotypes, hyperactivity, negativism, volatile emotions, temper tantrums, short attention span and obsessive-compulsive behavior.
Preliminary studies have shown that acupuncture may provide symptomatic relief to children suffering from autism. Although difficult at first, it is believed that it is rewarding in the long run. This is because while conventional therapy and treatment requires that the child stay still, acupuncture doesn’t. Some say it’s a quick prick at the vital points in the body.
A group of children in the US participated in a test to see how effective acupuncture is among children. There are 22 respondents and each of them was given the treatment once every other day for four months.
After the treatment 20 out of the 22 respondents showed remarkable improvement. In fact 2 of them has cerebral blood flow. The only thing that did not change prior to treatment and after was the blood flow between the left and right cerebrum as it showed no differences.
Aside from traditional acupuncture to help children with autism, a preliminary study in Hong Kong is trying to see if tongue acupuncture can produce better results.
Results have showed that of 30 respondents in the test, majority showed functional improvement of various degrees depending on the age and severity of their disabilities. Some improvement was noticeable within a few TAC sessions, especially for drooling, spasticity (scissoring or tiptoeing), ataxia, and poor balance in walking. Functional improvement was noted after one to two courses of TAC. Most children tolerated TAC well, with only occasional pain and minor bleeding in some patients.
The reason why tongue acupuncture is being experimented with is because there is a connection between the tongue and the heart through the meridians that spread to all the organs in the body. It is believed that the points on the tongue can influence the state of the other body organs thus giving relief to the one suffering from autism.
But many believe that acupuncture alone cannot help autism sufferers. It has to be combined with other things like maintaining a certain diet to help improve one’s mood and communication schools. Although it is only short term, it is better than nothing until a cure is found.
When will the cure be found? Only time can tell as there are many other questions that have to be answered in order for doctors to further understand neurological disabilities. Doctors who are conducting research believe that an interdisciplinary approach is needed given that acupuncture has shown positive results in helping children with autism.
Acupuncture is a holistic approach in treating and preventing certain diseases. Its main tool are very thin needles that are inserted to targeted points in the body. The body has about 400 of them linked through a system known as meridians or pathways. Once these are stimulated, these are supposed to create balance in the body.
Autism on the other hand is a brain disorder that is long term. This disease is characterized by deficits in language, social communication and cognition. Children who are diagnosed with this illness may also suffer from secondary problems such as aggression, irritability, stereotypes, hyperactivity, negativism, volatile emotions, temper tantrums, short attention span and obsessive-compulsive behavior.
Preliminary studies have shown that acupuncture may provide symptomatic relief to children suffering from autism. Although difficult at first, it is believed that it is rewarding in the long run. This is because while conventional therapy and treatment requires that the child stay still, acupuncture doesn’t. Some say it’s a quick prick at the vital points in the body.
A group of children in the US participated in a test to see how effective acupuncture is among children. There are 22 respondents and each of them was given the treatment once every other day for four months.
After the treatment 20 out of the 22 respondents showed remarkable improvement. In fact 2 of them has cerebral blood flow. The only thing that did not change prior to treatment and after was the blood flow between the left and right cerebrum as it showed no differences.
Aside from traditional acupuncture to help children with autism, a preliminary study in Hong Kong is trying to see if tongue acupuncture can produce better results.
Results have showed that of 30 respondents in the test, majority showed functional improvement of various degrees depending on the age and severity of their disabilities. Some improvement was noticeable within a few TAC sessions, especially for drooling, spasticity (scissoring or tiptoeing), ataxia, and poor balance in walking. Functional improvement was noted after one to two courses of TAC. Most children tolerated TAC well, with only occasional pain and minor bleeding in some patients.
The reason why tongue acupuncture is being experimented with is because there is a connection between the tongue and the heart through the meridians that spread to all the organs in the body. It is believed that the points on the tongue can influence the state of the other body organs thus giving relief to the one suffering from autism.
But many believe that acupuncture alone cannot help autism sufferers. It has to be combined with other things like maintaining a certain diet to help improve one’s mood and communication schools. Although it is only short term, it is better than nothing until a cure is found.
When will the cure be found? Only time can tell as there are many other questions that have to be answered in order for doctors to further understand neurological disabilities. Doctors who are conducting research believe that an interdisciplinary approach is needed given that acupuncture has shown positive results in helping children with autism.
Monday, May 3, 2010
A Quick-Start guide to Acupuncture - Procedure for Needle Puncture
Using needles to adjust bodily functions to optimum levels is the principle behind acupuncture. Both ancient Chinese and modern Western practitioners have used this technique to relieve many sufferers of chronic disease.
Needling is a relatively safe, beneficial treatment strategy that can be used to reduce pain, improve healing, and increase general well-being. But exactly how is this procedure done and what sort of benefits can be obtained?
Procedure for Needle Puncture
There are two broad categories of acupuncture practice today, traditional Chinese medicine (TCM) and medical acupuncture. Both have their merits, so the choice is individual. The decision for most people hinges upon which philosophy appeals more to them and which technique holds the least apprehension.
In TCM, practitioners adhere to the concept of Qi, or energy flow, and the meridians in which they travel. They use longer needles and insert them deeper in order to reach the acupuncture points. Modern science has found little evidence to prove the existence of these energy channels, but this is the technique that has been used effectively for thousands of years.
In medical acupuncture, the practitioners are graduates of western medical schools. Their application of needles is not based on the traditional acupuncture points, but on anatomic data. These acupuncturists use shorter needles and the insertions are shallower. They also tend to use fewer needles and leave them inserted for shorter periods of time. Adherents to TCM feel this is a watered-down version of the real thing. Nevertheless, many patients have felt relief of symptoms through this method.
Conditions for Puncture Application
There is a broad and extensive list of ailments which can be treated with acupuncture. The conditions run the gamut from asthma to constipation, anxiety to weight loss. Most TCM practitioners believe that any health condition results from an imbalance in Qi flow, therefore amenable to needle therapy. Western acupuncturists tend to have a more limited list of indications, the most common of which is undoubtedly control of pain.
Control of pain is the most well researched of all of the indications for acupuncture. There is a definite beneficial effect for a majority of patients using this method. Migraines, premenstrual syndrome, arthritis, carpal tunnel syndrome, and neuralgias are but a few examples. The theory behind its effectiveness is also medically accepted and well researched, called the gate-control theory of pain. It states that the needles can stimulate nerves so that they block the impulses from pain triggers.
Expected Puncture Session Result
It is important to emphasize that acupuncture is used only on top of existing medical therapy. At no time should a patient discontinue medication or ignore medical instructions in favor of needle puncture. After undergoing a needle puncture regimen, the primary care physician can make an evaluation with regards to decreasing dependence on other therapies.
A course of acupuncture therapy will last anywhere from a few weeks to a few months. This depends upon the complexity of the particular medical condition. Results also vary, so it is important to have a frank discussion with the acupuncturist regarding expected results and their time frame. In general, the patient will begin to feel beneficial effects after three or four session. Certain specific conditions will actually get a little worse before improving so keeping informed is key.
In modern medicine, the use of traditional techniques with proven results has become a widely accepted practice. Acupuncture has proven its worth time and again. Modern practice guidelines make it effective, reproducible, and safe. It is a gift of healing form ancient sages that has the potential to bring relief to millions of people.
Needling is a relatively safe, beneficial treatment strategy that can be used to reduce pain, improve healing, and increase general well-being. But exactly how is this procedure done and what sort of benefits can be obtained?
Procedure for Needle Puncture
There are two broad categories of acupuncture practice today, traditional Chinese medicine (TCM) and medical acupuncture. Both have their merits, so the choice is individual. The decision for most people hinges upon which philosophy appeals more to them and which technique holds the least apprehension.
In TCM, practitioners adhere to the concept of Qi, or energy flow, and the meridians in which they travel. They use longer needles and insert them deeper in order to reach the acupuncture points. Modern science has found little evidence to prove the existence of these energy channels, but this is the technique that has been used effectively for thousands of years.
In medical acupuncture, the practitioners are graduates of western medical schools. Their application of needles is not based on the traditional acupuncture points, but on anatomic data. These acupuncturists use shorter needles and the insertions are shallower. They also tend to use fewer needles and leave them inserted for shorter periods of time. Adherents to TCM feel this is a watered-down version of the real thing. Nevertheless, many patients have felt relief of symptoms through this method.
Conditions for Puncture Application
There is a broad and extensive list of ailments which can be treated with acupuncture. The conditions run the gamut from asthma to constipation, anxiety to weight loss. Most TCM practitioners believe that any health condition results from an imbalance in Qi flow, therefore amenable to needle therapy. Western acupuncturists tend to have a more limited list of indications, the most common of which is undoubtedly control of pain.
Control of pain is the most well researched of all of the indications for acupuncture. There is a definite beneficial effect for a majority of patients using this method. Migraines, premenstrual syndrome, arthritis, carpal tunnel syndrome, and neuralgias are but a few examples. The theory behind its effectiveness is also medically accepted and well researched, called the gate-control theory of pain. It states that the needles can stimulate nerves so that they block the impulses from pain triggers.
Expected Puncture Session Result
It is important to emphasize that acupuncture is used only on top of existing medical therapy. At no time should a patient discontinue medication or ignore medical instructions in favor of needle puncture. After undergoing a needle puncture regimen, the primary care physician can make an evaluation with regards to decreasing dependence on other therapies.
A course of acupuncture therapy will last anywhere from a few weeks to a few months. This depends upon the complexity of the particular medical condition. Results also vary, so it is important to have a frank discussion with the acupuncturist regarding expected results and their time frame. In general, the patient will begin to feel beneficial effects after three or four session. Certain specific conditions will actually get a little worse before improving so keeping informed is key.
In modern medicine, the use of traditional techniques with proven results has become a widely accepted practice. Acupuncture has proven its worth time and again. Modern practice guidelines make it effective, reproducible, and safe. It is a gift of healing form ancient sages that has the potential to bring relief to millions of people.
A Primer on Medical Acupuncture - pierced by a dozen needles
Have you ever had an uncontrollable urge to be pierced by a dozen needles? This is the image most people get when someone mentions the word “acupuncture”. It comes as no surprise that most view this technique with suspicion, even downright horror.
The fact is, however, that this relatively painless ancient Chinese technique has helped relieve the symptoms of millions of people. Properly used, it can help in the management of many medical conditions including chronic pain and fatigue.
How does needle puncture work?
Practitioners of Chinese traditional medicine believe in energy flows. This energy, called Qi, circulates around the body using pathways called meridians. Meridians run very close to the surface of the skin in certain areas and can be accessed by needles.
Much like plumbing, these pipes can get blocked or go the wrong way, causing health problems. The insertion of needles at these points is aimed to help loosen blocks and normalize flow.
It sounds like a made-up explanation with no basis in reality, but there are numerous scientific studies which support the effects of acupuncture. Although the exact scientific basis is still unknown, recent theories seem to suggest involvement of complicated neurochemical effects in the brain, nerve to spinal cord impulse modulation, and microscopic connective tissue changes.
What risks and side effects are of concern?
The use of things not completely understood for the treatment of medical conditions is nothing new. Penicillin and aspirin were used for decades solely on the basis of their beneficial effects, without doctors knowing exactly how they worked. Results are what are truly important. However, it is equally important is to ensure that the technique is used safely.
Like other strategies used in treating health conditions, acupuncture may have some side effects. Medications have side effects and allergic reactions, surgeries have risk of infection and complications. For needle puncture, there is a risk of injury, rare infections, minor bleeding, small bruises, and some dizziness.
You can minimize the possible side effects by choosing a licensed acupuncturist. Most countries either have government licensing in place or have professional organizations with very strict rules and regulations.
How do treatments go?
An acupuncturist will do an initial evaluation of your medical history and your body’s current state. Multiple pressure points are palpated, and a regimen of treatment is formulated. Most courses involve a series of 10 to 20 treatment sessions, each lasting 30 to 90 minutes. Needles will be carefully placed at the required points and kept in place for some time. Most patients report a feeling of mild sensation at the site of the puncture, but no real pain.
Right after each acupuncture session, you will feel a bit tired and may need to rest. Some people feel an increase in their energy levels. The response to acupuncture is very individual. In some cases there is immediate relief of symptoms. For some patients, the beneficial effects may only be noticed after undergoing a few sessions. Do not be alarmed and keep your acupuncturist updated on what you are feeling to ensure everything is going as expected.
You need never fear the thought of needles ever again. Acupuncture is a beneficial treatment with a long history of effectiveness. It is used to complement current medical therapy and should not replace currently existing medications or treatments.
The safe application of this once exclusively Chinese therapy can now be experienced by chronic disease sufferers worldwide.
The fact is, however, that this relatively painless ancient Chinese technique has helped relieve the symptoms of millions of people. Properly used, it can help in the management of many medical conditions including chronic pain and fatigue.
How does needle puncture work?
Practitioners of Chinese traditional medicine believe in energy flows. This energy, called Qi, circulates around the body using pathways called meridians. Meridians run very close to the surface of the skin in certain areas and can be accessed by needles.
Much like plumbing, these pipes can get blocked or go the wrong way, causing health problems. The insertion of needles at these points is aimed to help loosen blocks and normalize flow.
It sounds like a made-up explanation with no basis in reality, but there are numerous scientific studies which support the effects of acupuncture. Although the exact scientific basis is still unknown, recent theories seem to suggest involvement of complicated neurochemical effects in the brain, nerve to spinal cord impulse modulation, and microscopic connective tissue changes.
What risks and side effects are of concern?
The use of things not completely understood for the treatment of medical conditions is nothing new. Penicillin and aspirin were used for decades solely on the basis of their beneficial effects, without doctors knowing exactly how they worked. Results are what are truly important. However, it is equally important is to ensure that the technique is used safely.
Like other strategies used in treating health conditions, acupuncture may have some side effects. Medications have side effects and allergic reactions, surgeries have risk of infection and complications. For needle puncture, there is a risk of injury, rare infections, minor bleeding, small bruises, and some dizziness.
You can minimize the possible side effects by choosing a licensed acupuncturist. Most countries either have government licensing in place or have professional organizations with very strict rules and regulations.
How do treatments go?
An acupuncturist will do an initial evaluation of your medical history and your body’s current state. Multiple pressure points are palpated, and a regimen of treatment is formulated. Most courses involve a series of 10 to 20 treatment sessions, each lasting 30 to 90 minutes. Needles will be carefully placed at the required points and kept in place for some time. Most patients report a feeling of mild sensation at the site of the puncture, but no real pain.
Right after each acupuncture session, you will feel a bit tired and may need to rest. Some people feel an increase in their energy levels. The response to acupuncture is very individual. In some cases there is immediate relief of symptoms. For some patients, the beneficial effects may only be noticed after undergoing a few sessions. Do not be alarmed and keep your acupuncturist updated on what you are feeling to ensure everything is going as expected.
You need never fear the thought of needles ever again. Acupuncture is a beneficial treatment with a long history of effectiveness. It is used to complement current medical therapy and should not replace currently existing medications or treatments.
The safe application of this once exclusively Chinese therapy can now be experienced by chronic disease sufferers worldwide.
A Little Know-How about Botox Injections for Wrinkles
How far are you willing to go to be beautiful? As years go by, developments even in the beauty department never seem to cease. You will see a product available commercially based on your need, may it be immediate or long term. There are creams that could easily wipe out your pimples, Botox injections for wrinkles, whitening lotions and creams for your skin and a lot more.
To Be or Not to Be
The important thing that you have to ask yourself is do you really need to go the drastic route in order to retain your younger looking skin. Everybody will eventually look old no matter how helpful science had been to you. In the manner of using beauty products and undergoing surgeries and injections, you are merely slowing the process.
If you are already considering your options about the said topic, you have to be ready for the results and the consequences. To lessen your worries, do a thorough research about what you want to be done. Ask around and ask for referrals for professionals whom you will trust to handle your skin, that is if you are going the scientific path to a more beautiful you.
Botox, Anyone?
Who haven’t heard of Botox? Many popular people like celebrities have gone through this procedure just so to remove the unwanted lines on their faces. This is especially useful if your appearance is your bread and butter. So what do you know about this? This list will remind you of things that you already know and may want to know about this procedure.
1. Botox is known for removing wrinkles. But it will not help diminish other common akin problems caused by aging such as the age spots, sun damage and problems with pigmentation. This will also not soften your skin if your main concern is about its roughness.
2. This is a costly procedure. If you really want to undergo such, you have to save up for it. And do save up for it a lot because you will not undergo through this only once. You have to undergo the procedure after a few months depending on what your doctor asks you to do according to your skin’s reaction to it.
3. This is very risky especially if you will not go to the right doctor. The procedure entails injecting of toxins to your skin. Not everybody has the same reaction on those toxins.
4. You have to tell your doctor the vitamins and medicines that you are taking before undergoing through this. They have to be informed about your body and your system so that they would know better if you are ready for it or you are not really fit.
5. If not done properly, instead of removing the unwanted lines, you may end up having more than what you had before going through it.
6. This is not for sensitive type of skin and veins. Botox includes injections. The one who will be getting the shots must first make sure that they are ready emotionally, physically and mentally.
Botox injections for wrinkles must be thought very hard before committing to the procedure. Once you’ve done it, there is no turning back and you have to abide according to what your doctor tells you to do. If you are still at a lost if you will do this or not, research about this more and after gaining more knowledge, you will sure be able to decide for the best.
To Be or Not to Be
The important thing that you have to ask yourself is do you really need to go the drastic route in order to retain your younger looking skin. Everybody will eventually look old no matter how helpful science had been to you. In the manner of using beauty products and undergoing surgeries and injections, you are merely slowing the process.
If you are already considering your options about the said topic, you have to be ready for the results and the consequences. To lessen your worries, do a thorough research about what you want to be done. Ask around and ask for referrals for professionals whom you will trust to handle your skin, that is if you are going the scientific path to a more beautiful you.
Botox, Anyone?
Who haven’t heard of Botox? Many popular people like celebrities have gone through this procedure just so to remove the unwanted lines on their faces. This is especially useful if your appearance is your bread and butter. So what do you know about this? This list will remind you of things that you already know and may want to know about this procedure.
1. Botox is known for removing wrinkles. But it will not help diminish other common akin problems caused by aging such as the age spots, sun damage and problems with pigmentation. This will also not soften your skin if your main concern is about its roughness.
2. This is a costly procedure. If you really want to undergo such, you have to save up for it. And do save up for it a lot because you will not undergo through this only once. You have to undergo the procedure after a few months depending on what your doctor asks you to do according to your skin’s reaction to it.
3. This is very risky especially if you will not go to the right doctor. The procedure entails injecting of toxins to your skin. Not everybody has the same reaction on those toxins.
4. You have to tell your doctor the vitamins and medicines that you are taking before undergoing through this. They have to be informed about your body and your system so that they would know better if you are ready for it or you are not really fit.
5. If not done properly, instead of removing the unwanted lines, you may end up having more than what you had before going through it.
6. This is not for sensitive type of skin and veins. Botox includes injections. The one who will be getting the shots must first make sure that they are ready emotionally, physically and mentally.
Botox injections for wrinkles must be thought very hard before committing to the procedure. Once you’ve done it, there is no turning back and you have to abide according to what your doctor tells you to do. If you are still at a lost if you will do this or not, research about this more and after gaining more knowledge, you will sure be able to decide for the best.
Depreciation reporting - business's fixed assets
In an accountant's reporting systems, depreciation of a business's fixed assets such as its buildings, equipment, computers, etc. is not recorded as a cash outlay.
When an accountant measures profit on the accrual basis of accounting, he or she counts depreciation as an expense. Buildings, machinery, tools, vehicles and furniture all have a limited useful life. All fixed assets, except for actual land, have a limited lifetime of usefulness to a business.
Depreciation is the method of accounting that allocates the total cost of fixed assets to each year of their use in helping the business generate revenue.
Part of the total sales revenue of a business includes recover of cost invested in its fixed assets. In a real sense a business sells some of its fixed assets in the sales prices that it charges it customers.
For example, when you go to a grocery store, a small portion of the price you pay for eggs or bread goes toward the cost of the buildings, the machinery, bread ovens, etc. Each reporting period, a business recoups part of the cost invested in its fixed assets.
It's not enough for the accountant to add back depreciation for the year to bottom-line profit. The changes in other assets, as well as the changes in liabilities, also affect cash flow from profit.
The competent accountant will factor in all the changes that determine cash flow from profit. Depreciation is only one of many adjustments to the net income of a business to determine cash flow from operating activities.
Amortization of intangible assets is another expense that is recorded against a business's assets for year. It's different in that it doesn't require cash outlay in the year being charged with the expense. That occurred when the business invested in those tangible assets.
When an accountant measures profit on the accrual basis of accounting, he or she counts depreciation as an expense. Buildings, machinery, tools, vehicles and furniture all have a limited useful life. All fixed assets, except for actual land, have a limited lifetime of usefulness to a business.
Depreciation is the method of accounting that allocates the total cost of fixed assets to each year of their use in helping the business generate revenue.
Part of the total sales revenue of a business includes recover of cost invested in its fixed assets. In a real sense a business sells some of its fixed assets in the sales prices that it charges it customers.
For example, when you go to a grocery store, a small portion of the price you pay for eggs or bread goes toward the cost of the buildings, the machinery, bread ovens, etc. Each reporting period, a business recoups part of the cost invested in its fixed assets.
It's not enough for the accountant to add back depreciation for the year to bottom-line profit. The changes in other assets, as well as the changes in liabilities, also affect cash flow from profit.
The competent accountant will factor in all the changes that determine cash flow from profit. Depreciation is only one of many adjustments to the net income of a business to determine cash flow from operating activities.
Amortization of intangible assets is another expense that is recorded against a business's assets for year. It's different in that it doesn't require cash outlay in the year being charged with the expense. That occurred when the business invested in those tangible assets.
Depreciation -is an expense
Depreciation is a term we hear about frequently, but don't really understand. It's an essential component of accounting however. Depreciation is an expense that's recorded at the same time and in the same period as other accounts.
Long-term operating assets that are not held for sale in the course of business are called fixed assets. Fixed assets include buildings, machinery, office equipment, vehicles, computers and other equipment. It can also include items such as shelves and cabinets.
Depreciation refers to spreading out the cost of a fixed asset over the years of its useful life to a business, instead of charging the entire cost to expense in the year the asset was purchased. That way, each year that the equipment or asset is used bears a share of the total cost. As an example, cars and trucks are typically depreciated over five years.
The idea is to charge a fraction of the total cost to depreciation expense during each of the five years, rather than just the first year.
Depreciation applies only to fixed assets that you actually buy, not those you rent or lease. Depreciation is a real expense, but not necessarily a cash outlay expense in the year it's recorded. The cash outlay does actually occur when the fixed asset is acquired, but is recorded over a period of time.
Depreciation is different from other expenses. It is deducted from sales revenue to determine profit, but the depreciation expense recorded in a reporting period doesn't require any true cash outlay during that period.
Depreciation expense is that portion of the total cost of a business's fixed assets that is allocated to the period to record the cost of using the assets during period. The higher the total cost of a business's fixed assets, then the higher its depreciation expense.
Long-term operating assets that are not held for sale in the course of business are called fixed assets. Fixed assets include buildings, machinery, office equipment, vehicles, computers and other equipment. It can also include items such as shelves and cabinets.
Depreciation refers to spreading out the cost of a fixed asset over the years of its useful life to a business, instead of charging the entire cost to expense in the year the asset was purchased. That way, each year that the equipment or asset is used bears a share of the total cost. As an example, cars and trucks are typically depreciated over five years.
The idea is to charge a fraction of the total cost to depreciation expense during each of the five years, rather than just the first year.
Depreciation applies only to fixed assets that you actually buy, not those you rent or lease. Depreciation is a real expense, but not necessarily a cash outlay expense in the year it's recorded. The cash outlay does actually occur when the fixed asset is acquired, but is recorded over a period of time.
Depreciation is different from other expenses. It is deducted from sales revenue to determine profit, but the depreciation expense recorded in a reporting period doesn't require any true cash outlay during that period.
Depreciation expense is that portion of the total cost of a business's fixed assets that is allocated to the period to record the cost of using the assets during period. The higher the total cost of a business's fixed assets, then the higher its depreciation expense.
Sunday, May 2, 2010
Inventory and expenses - largest current asset of a business
Inventory is usually the largest current asset of a business that sells products. If the inventory account is greater at the end of the period than at the start of the reporting period, the amount the business actually paid in cash for that inventory is more than what the business recorded as its cost of good sold expense.
When that occurs, the accountant deducts the inventory increase from net income for determining cash flow from profit.
the prepaid expenses asset account works in much the same way as the change in inventory and accounts receivable accounts. However, changes in prepaid expenses are usually much smaller than changes in those other two asset accounts.
The beginning balance of prepaid expenses is charged to expense in the current year, but the cash was actually paid out last year. this period, the business pays cash for next period's prepaid expenses, which affects this period's cash flow, but doesn't affect net income until the next period. Simple, right?
As a business grows, it needs to increase its prepaid expenses for such things as fire insurance premiums, which have to be paid in advance of the insurance coverage, and its stocks of office supplies.
Increases in accounts receivable, inventory and prepaid expenses are the cash flow price a business has to pay for growth. Rarely do you find a business that can increase its sales revenue without increasing these assets.
The lagging behind effect of cash flow is the price of business growth. Managers and investors need to understand that increasing sales without increasing accounts receivable isn't a realistic scenario for growth. In the real business world, you generally can't enjoy growth in revenue without incurring additional expenses.
When that occurs, the accountant deducts the inventory increase from net income for determining cash flow from profit.
the prepaid expenses asset account works in much the same way as the change in inventory and accounts receivable accounts. However, changes in prepaid expenses are usually much smaller than changes in those other two asset accounts.
The beginning balance of prepaid expenses is charged to expense in the current year, but the cash was actually paid out last year. this period, the business pays cash for next period's prepaid expenses, which affects this period's cash flow, but doesn't affect net income until the next period. Simple, right?
As a business grows, it needs to increase its prepaid expenses for such things as fire insurance premiums, which have to be paid in advance of the insurance coverage, and its stocks of office supplies.
Increases in accounts receivable, inventory and prepaid expenses are the cash flow price a business has to pay for growth. Rarely do you find a business that can increase its sales revenue without increasing these assets.
The lagging behind effect of cash flow is the price of business growth. Managers and investors need to understand that increasing sales without increasing accounts receivable isn't a realistic scenario for growth. In the real business world, you generally can't enjoy growth in revenue without incurring additional expenses.
Saturday, May 1, 2010
Revenue and receivables - customers still owe the business
In most businesses, what drives the balance sheet are sales and expenses. In other words, they cause the assets and liabilities in a business. One of the more complicated accounting items are the accounts receivable.
As a hypothetical situation, imagine a business that offers all its customers a 30-day credit period, which is fairly common in transactions between businesses, (not transactions between a business and individual consumers).
An accounts receivable asset shows how much money customers who bought products on credit still owe the business. It's a promise of case that the business will receive. Basically, accounts receivable is the amount of uncollected sales revenue at the end of the accounting period. Cash does not increase until the business actually collects this money from its business customers.
However, the amount of money in accounts receivable is included in the total sales revenue for that same period. The business did make the sales, even if it hasn't acquired all the money from the sales yet. Sales revenue, then isn't equal to the amount of cash that the business accumulated.
To get actual cash flow, the accountant must subtract the amount of credit sales not collected from the sales revenue in cash. Then add in the amount of cash that was collected for the credit sales that were made in the preceding reporting period.
If the amount of credit sales a business made during the reporting period is greater than what was collected from customers, then the accounts receivable account increased over the period and the business has to subtract from net income that difference.
If the amount they collected during the reporting period is greater than the credit sales made, then the accounts receivable decreased over the reporting period, and the accountant needs to add to net income that difference between the receivables at the beginning of the reporting period and the receivables at the end of the same period.
As a hypothetical situation, imagine a business that offers all its customers a 30-day credit period, which is fairly common in transactions between businesses, (not transactions between a business and individual consumers).
An accounts receivable asset shows how much money customers who bought products on credit still owe the business. It's a promise of case that the business will receive. Basically, accounts receivable is the amount of uncollected sales revenue at the end of the accounting period. Cash does not increase until the business actually collects this money from its business customers.
However, the amount of money in accounts receivable is included in the total sales revenue for that same period. The business did make the sales, even if it hasn't acquired all the money from the sales yet. Sales revenue, then isn't equal to the amount of cash that the business accumulated.
To get actual cash flow, the accountant must subtract the amount of credit sales not collected from the sales revenue in cash. Then add in the amount of cash that was collected for the credit sales that were made in the preceding reporting period.
If the amount of credit sales a business made during the reporting period is greater than what was collected from customers, then the accounts receivable account increased over the period and the business has to subtract from net income that difference.
If the amount they collected during the reporting period is greater than the credit sales made, then the accounts receivable decreased over the reporting period, and the accountant needs to add to net income that difference between the receivables at the beginning of the reporting period and the receivables at the end of the same period.
Balance sheet - picture of the financial condition of a business
A balance sheet is a quick picture of the financial condition of a business at a specific period in time. The activities of a business fall into two separate groups that are reported by an accountant.
They are profit-making activities, which includes sales and expenses. This can also be referred to as operating activities. There are also financing and investing activities that include securing money from debt and equity sources of capital, returning capital to these sources, making distributions from profit to the owners, making investments in assets and eventually disposing of the assets.
Profit making activities are reported in the income statement; financing and investing activities are found in the statement of cash flows. In other words, two different financial statements are prepared for the two different types of transactions.
The statement of cash flows also reports the cash increase or decrease from profit during the year as opposed to the amount of profit that is reported in the income statement.
The balance sheet is different from the income and cash flow statements which report, as it says, income of cash and outgoing cash. The balance sheet represents the balances, or amounts, or a company's assets, liabilities and owners' equity at an instant in time.
The word balance has different meanings at different times. As it's used in the term balance sheet, it refers to the balance of the two opposite sides of a business, total assets on one side and total liabilities on the other.
However, the balance of an account, such as the asset, liability, revenue and expense accounts, refers to the amount in the account after recording increases and decreases in the account, just like the balance in your checking account.
Accountants can prepare a balance sheet any time that a manager requests it. But they're generally prepared at the end of each month, quarter and year. It's always prepared at the close of business on the last day of the profit period.
They are profit-making activities, which includes sales and expenses. This can also be referred to as operating activities. There are also financing and investing activities that include securing money from debt and equity sources of capital, returning capital to these sources, making distributions from profit to the owners, making investments in assets and eventually disposing of the assets.
Profit making activities are reported in the income statement; financing and investing activities are found in the statement of cash flows. In other words, two different financial statements are prepared for the two different types of transactions.
The statement of cash flows also reports the cash increase or decrease from profit during the year as opposed to the amount of profit that is reported in the income statement.
The balance sheet is different from the income and cash flow statements which report, as it says, income of cash and outgoing cash. The balance sheet represents the balances, or amounts, or a company's assets, liabilities and owners' equity at an instant in time.
The word balance has different meanings at different times. As it's used in the term balance sheet, it refers to the balance of the two opposite sides of a business, total assets on one side and total liabilities on the other.
However, the balance of an account, such as the asset, liability, revenue and expense accounts, refers to the amount in the account after recording increases and decreases in the account, just like the balance in your checking account.
Accountants can prepare a balance sheet any time that a manager requests it. But they're generally prepared at the end of each month, quarter and year. It's always prepared at the close of business on the last day of the profit period.
Friday, April 30, 2010
Gains and Losses - accountants job to report
It would probably be ideal if business and life were as simple as producing goods, selling them and recording the profits. But there are often circumstances that disrupt the cycle, and it's part of the accountants job to report these as well.
Changes in the business climate, or cost of goods or any number of things can lead to exceptional or extraordinary gains and losses in a business. Some things that can alter the income statement can include downsizing or restructuring the business. This used to be a rare thing in the business environment, but is now fairly commonplace.
Usually it's done to offset losses in other areas and to decrease the cost of employees' salaries and benefits. However, there are costs involved with this as well, such as severance pay, outplacement services, and retirement costs.
In other circumstances, a business might decide to discontinue certain product lines. Western Union, for example, recently delivered its very last telegram. The nature of communication has changed so drastically, with email, cell phones and other forms, that telegrams have been rendered obsolete. When you no longer sell enough of a product at a high enough profit to make the costs of manufacturing it worthwhile, then it's time to change your product mix.
Lawsuits and other legal actions can cause extraordinary losses or gains as well. If you win damages in a lawsuit against others, then you've incurred an extraordinary gain. Likewise if your own legal fees and damages or fines are excessive, then these can significantly impact the income statement.
Occasionally a business will change accounting methods or need to correct any errors that had been made in previous financial reports. Generally Accepted Accounting Procedures (GAAP) require that businesses make any one-time losses or gains very visible in their income statement.
Changes in the business climate, or cost of goods or any number of things can lead to exceptional or extraordinary gains and losses in a business. Some things that can alter the income statement can include downsizing or restructuring the business. This used to be a rare thing in the business environment, but is now fairly commonplace.
Usually it's done to offset losses in other areas and to decrease the cost of employees' salaries and benefits. However, there are costs involved with this as well, such as severance pay, outplacement services, and retirement costs.
In other circumstances, a business might decide to discontinue certain product lines. Western Union, for example, recently delivered its very last telegram. The nature of communication has changed so drastically, with email, cell phones and other forms, that telegrams have been rendered obsolete. When you no longer sell enough of a product at a high enough profit to make the costs of manufacturing it worthwhile, then it's time to change your product mix.
Lawsuits and other legal actions can cause extraordinary losses or gains as well. If you win damages in a lawsuit against others, then you've incurred an extraordinary gain. Likewise if your own legal fees and damages or fines are excessive, then these can significantly impact the income statement.
Occasionally a business will change accounting methods or need to correct any errors that had been made in previous financial reports. Generally Accepted Accounting Procedures (GAAP) require that businesses make any one-time losses or gains very visible in their income statement.
Assets and Liabilities - Making a profit in a business
Making a profit in a business is derived from several different areas. It can get a little complicated because just as in our personal lives, business is run on credit as well. Many businesses sell their products to their customers on credit.
Accountants use an asset account called accounts receivable to record the total amount owed to the business by its customers who haven't paid the balance in full yet. Much of the time, a business hasn't collected its receivables in full by the end of the fiscal year, especially for such credit sales that could be transacted near the end of the accounting period.
The accountant records the sales revenue and the cost of goods sold for these sales in the year in which the sales were made and the products delivered to the customer. This is called accrual based accounting, which records revenue when sales are made and records expenses when they're incurred as well.
When sales are made on credit, the accounts receivable asset account is increased. When cash is received from the customer, then the cash account is increased and the accounts receivable account is decreased.
The cost of goods sold is one of the major expenses of businesses that sell goods, products or services. Even a service involves expenses. It means exactly what it says in that it's the cost that a business pays for the products it sells to customers.
A business makes its profit by selling its products at prices high enough to cover the cost of producing them, the costs of running the business, the interest on any money they've borrowed and income taxes, with money left over for profit.
When the business acquires products, the cost of them goes into what's called an inventory asset account. The cost is deducted from the cash account, or added to the accounts payable liability account, depending on whether the business has paid with cash or credit.
Accountants use an asset account called accounts receivable to record the total amount owed to the business by its customers who haven't paid the balance in full yet. Much of the time, a business hasn't collected its receivables in full by the end of the fiscal year, especially for such credit sales that could be transacted near the end of the accounting period.
The accountant records the sales revenue and the cost of goods sold for these sales in the year in which the sales were made and the products delivered to the customer. This is called accrual based accounting, which records revenue when sales are made and records expenses when they're incurred as well.
When sales are made on credit, the accounts receivable asset account is increased. When cash is received from the customer, then the cash account is increased and the accounts receivable account is decreased.
The cost of goods sold is one of the major expenses of businesses that sell goods, products or services. Even a service involves expenses. It means exactly what it says in that it's the cost that a business pays for the products it sells to customers.
A business makes its profit by selling its products at prices high enough to cover the cost of producing them, the costs of running the business, the interest on any money they've borrowed and income taxes, with money left over for profit.
When the business acquires products, the cost of them goes into what's called an inventory asset account. The cost is deducted from the cash account, or added to the accounts payable liability account, depending on whether the business has paid with cash or credit.
Assets and Liabilities
Making a profit in a business is derived from several different areas. It can get a little complicated because just as in our personal lives, business is run on credit as well. Many businesses sell their products to their customers on credit.
Accountants use an asset account called accounts receivable to record the total amount owed to the business by its customers who haven't paid the balance in full yet. Much of the time, a business hasn't collected its receivables in full by the end of the fiscal year, especially for such credit sales that could be transacted near the end of the accounting period.
The accountant records the sales revenue and the cost of goods sold for these sales in the year in which the sales were made and the products delivered to the customer. This is called accrual based accounting, which records revenue when sales are made and records expenses when they're incurred as well.
When sales are made on credit, the accounts receivable asset account is increased. When cash is received from the customer, then the cash account is increased and the accounts receivable account is decreased.
The cost of goods sold is one of the major expenses of businesses that sell goods, products or services. Even a service involves expenses. It means exactly what it says in that it's the cost that a business pays for the products it sells to customers.
A business makes its profit by selling its products at prices high enough to cover the cost of producing them, the costs of running the business, the interest on any money they've borrowed and income taxes, with money left over for profit.
When the business acquires products, the cost of them goes into what's called an inventory asset account. The cost is deducted from the cash account, or added to the accounts payable liability account, depending on whether the business has paid with cash or credit.
Accountants use an asset account called accounts receivable to record the total amount owed to the business by its customers who haven't paid the balance in full yet. Much of the time, a business hasn't collected its receivables in full by the end of the fiscal year, especially for such credit sales that could be transacted near the end of the accounting period.
The accountant records the sales revenue and the cost of goods sold for these sales in the year in which the sales were made and the products delivered to the customer. This is called accrual based accounting, which records revenue when sales are made and records expenses when they're incurred as well.
When sales are made on credit, the accounts receivable asset account is increased. When cash is received from the customer, then the cash account is increased and the accounts receivable account is decreased.
The cost of goods sold is one of the major expenses of businesses that sell goods, products or services. Even a service involves expenses. It means exactly what it says in that it's the cost that a business pays for the products it sells to customers.
A business makes its profit by selling its products at prices high enough to cover the cost of producing them, the costs of running the business, the interest on any money they've borrowed and income taxes, with money left over for profit.
When the business acquires products, the cost of them goes into what's called an inventory asset account. The cost is deducted from the cash account, or added to the accounts payable liability account, depending on whether the business has paid with cash or credit.
Making a Profit - balance sheets reports
Accountants are responsible for preparing three primary types of financial statements for a business. The income statement reports the profit-making activities of the business and the bottom-line profit or loss for a specified period.
The balance sheets reports the financial position of the business at a specific point in time, ofteh the last day of the period. and the statement of cash flows reports how much cash was generated from profit what the business did with this money.
Everyone knows profit is a good thing. It's what our economy is founded on. It doesn't sound like such a big deal. Make more money than you spend to sell or manufacture products. But of course nothing's ever really simple, is it? A profit report, or net income statement first identifies the business and the time period that is being summarized in the report.
You read an income statement from the top line to the bottom line. Every step of the income statement reports the deduction of an expense. The income statement also reports changes in assets and liabilities as well, so that if there's a revenue increase, it's either because there's been an increase in assets or a decrease in a company's liabilities. If there's been an increase in the expense line, it's because there's been either a decrease in assets or an increase in liabilities.
Net worth is also referred to as owners' equity in the business. They're not exactly interchangeable. Net worth expresses the total of assets less the liabilities. Owners' equity refers to who owns the assets after the liabilities are satisfied.
These shifts in assets and liabilities are important to owners and executives of a business because it's their responsibility to manage and control such changes. Making a profit in a business involves several variable, not just increasing the amount of cash that flows through a company, but management of other assets as well.
The balance sheets reports the financial position of the business at a specific point in time, ofteh the last day of the period. and the statement of cash flows reports how much cash was generated from profit what the business did with this money.
Everyone knows profit is a good thing. It's what our economy is founded on. It doesn't sound like such a big deal. Make more money than you spend to sell or manufacture products. But of course nothing's ever really simple, is it? A profit report, or net income statement first identifies the business and the time period that is being summarized in the report.
You read an income statement from the top line to the bottom line. Every step of the income statement reports the deduction of an expense. The income statement also reports changes in assets and liabilities as well, so that if there's a revenue increase, it's either because there's been an increase in assets or a decrease in a company's liabilities. If there's been an increase in the expense line, it's because there's been either a decrease in assets or an increase in liabilities.
Net worth is also referred to as owners' equity in the business. They're not exactly interchangeable. Net worth expresses the total of assets less the liabilities. Owners' equity refers to who owns the assets after the liabilities are satisfied.
These shifts in assets and liabilities are important to owners and executives of a business because it's their responsibility to manage and control such changes. Making a profit in a business involves several variable, not just increasing the amount of cash that flows through a company, but management of other assets as well.
Personal Accounting - charges in your checking account
If you have a checking account, of course you balance it periodically to account for any differences between what's in your statement and what you wrote down for checks and deposits.
Many people do it once a month when their statement is mailed to them, but with the advent of online banking, you can do it daily if you're the sort whose banking tends to get away from them.
You balance your checkbook to note any charges in your checking account that you haven't recorded in your checkbook. Some of these can include ATM fees, overdraft fees, special transaction fees or low balance fees, if you're required to keep a minimum balance in your account.
You also balance your checkbook to record any credits that you haven't noted previously. They might include automatic deposits, or refunds or other electronic deposits. Your checking account might be an interest-bearing account and you want to record any interest that it's earned.
You also need to discover if you've made any errors in your recordkeeping or if the bank has made any errors.
Another form of accounting that we all dread is the filing of annual federal income tax returns. Many people use a CPA to do their returns; others do it themselves. Most forms include the following items:
Income - any money you've earned from working or owning assets, unless there are specific exemptions from income tax.
Personal exemptions - this is a certain amount of income that is excused from tax.
Standard deduction - some personal expenditures or business expenses can be deducted from your income to reduce the taxable amount of income. These expenses include items such as interest paid on your home mortgage, charitable contributions and property taxes.
Taxable income - This is the balance of income that's subject to taxes after personal exemptions and deductions are factored in.
Many people do it once a month when their statement is mailed to them, but with the advent of online banking, you can do it daily if you're the sort whose banking tends to get away from them.
You balance your checkbook to note any charges in your checking account that you haven't recorded in your checkbook. Some of these can include ATM fees, overdraft fees, special transaction fees or low balance fees, if you're required to keep a minimum balance in your account.
You also balance your checkbook to record any credits that you haven't noted previously. They might include automatic deposits, or refunds or other electronic deposits. Your checking account might be an interest-bearing account and you want to record any interest that it's earned.
You also need to discover if you've made any errors in your recordkeeping or if the bank has made any errors.
Another form of accounting that we all dread is the filing of annual federal income tax returns. Many people use a CPA to do their returns; others do it themselves. Most forms include the following items:
Income - any money you've earned from working or owning assets, unless there are specific exemptions from income tax.
Personal exemptions - this is a certain amount of income that is excused from tax.
Standard deduction - some personal expenditures or business expenses can be deducted from your income to reduce the taxable amount of income. These expenses include items such as interest paid on your home mortgage, charitable contributions and property taxes.
Taxable income - This is the balance of income that's subject to taxes after personal exemptions and deductions are factored in.
Bookkeeping Basics - one function of accounting
Most people probably think of bookkeeping and accounting as the same thing, but bookkeeping is really one function of accounting, while accounting encompasses many functions involved in managing the financial affairs of a business. Accountants prepare reports based, in part, on the work of bookkeepers.
Bookkeepers perform all manner of record-keeping tasks. Some of them include the following:
-They prepare what are referred to as source documents for all the operations of a business - the buying, selling, transferring, paying and collecting. The documents include papers such as purchase orders, invoices, credit card slips, time cards, time sheets and expense reports. Bookkeepers also determine and enter in the source documents what are called the financial effects of the transactions and other business events. Those include paying the employees, making sales, borrowing money or buying products or raw materials for production.
-Bookkeepers also make entries of the financial effects into journals and accounts. These are two different things. A journal is the record of transactions in chronological order. An accounts is a separate record, or page for each asset and each liability. One transaction can affect several accounts.
-Bookkeepers prepare reports at the end of specific period of time, such as daily, weekly, monthly, quarterly or annually. To do this, all the accounts need to be up to date. Inventory records must be updated and the reports checked and double-checked to ensure that they're as error-free as possible.
-The bookkeepers also compile complete listings of all accounts. This is called the adjusted trial balance. While a small business may have a hundred or so accounts, very large businesses can have more than 10,000 accounts.
-The final step is for the bookkeeper to close the books, which means bringing all the bookkeeping for a fiscal year to a close and summarized.
Bookkeepers perform all manner of record-keeping tasks. Some of them include the following:
-They prepare what are referred to as source documents for all the operations of a business - the buying, selling, transferring, paying and collecting. The documents include papers such as purchase orders, invoices, credit card slips, time cards, time sheets and expense reports. Bookkeepers also determine and enter in the source documents what are called the financial effects of the transactions and other business events. Those include paying the employees, making sales, borrowing money or buying products or raw materials for production.
-Bookkeepers also make entries of the financial effects into journals and accounts. These are two different things. A journal is the record of transactions in chronological order. An accounts is a separate record, or page for each asset and each liability. One transaction can affect several accounts.
-Bookkeepers prepare reports at the end of specific period of time, such as daily, weekly, monthly, quarterly or annually. To do this, all the accounts need to be up to date. Inventory records must be updated and the reports checked and double-checked to ensure that they're as error-free as possible.
-The bookkeepers also compile complete listings of all accounts. This is called the adjusted trial balance. While a small business may have a hundred or so accounts, very large businesses can have more than 10,000 accounts.
-The final step is for the bookkeeper to close the books, which means bringing all the bookkeeping for a fiscal year to a close and summarized.
Profit and Loss - net income or net earnings
It might seem like a no-brainer to define just exactly what profit and loss are. But of course these have definitions like everything else. Profit can be called different things, for a start. It's sometimes called net income or net earnings.
Businesses that sell products and services generate profit from the sales of those products or services and from controlling the attendant costs of running the business. Profit can also be referred to as Return on Investment, or ROI.
While some definitions limit ROI to profit on investments in such securities as stocks or bonds, many companies use this term to refer to short-term and long-term business results. Profit is also sometimes called taxable income.
It's the job of the accounting and finance professionals to assess the profits and losses of a company. They have to know what created both and what the results of both sides of the business equation are.
They determine what the net worth of a company is. Net worth is the resulting dollar amount from deducting a company's liabilities from its assets. In a privately held company, this is also called owner's equity, since anything that's left over after all the bills are paid, to put it simply, belongs to the owners.
In a publicly held company, this profit is returned to the shareholders in the form of dividends. In other words, all liabilities have the first claim on any money the company makes. Anything that's left over is profit. It's not derived from one element or another. Net worth is determined after all the liabilities are deducted from all the assets, including cash and property.
Showing a profit, or a positive figure on the balance sheet, is of course the aim of every business. It's what our economy and society are built on. It doesn't always work out that way. Economic trends and consumer behaviors change and it's not always possible to predict these and what income they'll have on a company's performance.
Businesses that sell products and services generate profit from the sales of those products or services and from controlling the attendant costs of running the business. Profit can also be referred to as Return on Investment, or ROI.
While some definitions limit ROI to profit on investments in such securities as stocks or bonds, many companies use this term to refer to short-term and long-term business results. Profit is also sometimes called taxable income.
It's the job of the accounting and finance professionals to assess the profits and losses of a company. They have to know what created both and what the results of both sides of the business equation are.
They determine what the net worth of a company is. Net worth is the resulting dollar amount from deducting a company's liabilities from its assets. In a privately held company, this is also called owner's equity, since anything that's left over after all the bills are paid, to put it simply, belongs to the owners.
In a publicly held company, this profit is returned to the shareholders in the form of dividends. In other words, all liabilities have the first claim on any money the company makes. Anything that's left over is profit. It's not derived from one element or another. Net worth is determined after all the liabilities are deducted from all the assets, including cash and property.
Showing a profit, or a positive figure on the balance sheet, is of course the aim of every business. It's what our economy and society are built on. It doesn't always work out that way. Economic trends and consumer behaviors change and it's not always possible to predict these and what income they'll have on a company's performance.
Thursday, April 29, 2010
Careers in Accounting
There are many different careers in the field of accounting ranging from entry-level bookkeeping to the Chief Financial Officer of a company. To achieve positions with more responsibility and higher salaries, it's necessary to have a degree in accounting as well as achieve various professional designations.
One of the primary milestones in any accountant's career is to become a Certified Public Accountant or CPA. To become a CPA you have to go to college with a major in accounting. You also have to pass a national CPA exam. There's also some employment experience required in a CPA firm. This is generally one to two years, although this varies from state to state. Once you satisfy all those requirements, you get a certificate that designates you as a CPA and you're allowed to offer your services to the public.
Many CPAs consider this just one stepping stone to their careers. The chief accountant in many offices is called the controller. The controller is in charge of managing the entire accounting system in a business stays on top of accounting and tax laws to keep the company legal and is responsible for preparing the financial statements.
The controller is also in charge of financial planning and budgeting. Some companies have only one accounting professional who's essentially the chief cook and bottle washer and does everything. As a business grows in size and complexity, then additional layers of personnel are required to handle the volume of work that comes from growth. Other areas in the company are also impacted by growth, and it's part of the controller's job to determine just how many more salaries the company can pay for additional people without negatively impacting growth and profits.
The controller also is responsible for preparing tax returns for the business; a much more involved and complex task than completing personal income tax forms! In larger organizations, the controller can report to a vice president of finance who reports to the chief financial officer, who is responsible for the broad objectives for growth and profit and implementing the appropriate strategies to achieve the objectives.
One of the primary milestones in any accountant's career is to become a Certified Public Accountant or CPA. To become a CPA you have to go to college with a major in accounting. You also have to pass a national CPA exam. There's also some employment experience required in a CPA firm. This is generally one to two years, although this varies from state to state. Once you satisfy all those requirements, you get a certificate that designates you as a CPA and you're allowed to offer your services to the public.
Many CPAs consider this just one stepping stone to their careers. The chief accountant in many offices is called the controller. The controller is in charge of managing the entire accounting system in a business stays on top of accounting and tax laws to keep the company legal and is responsible for preparing the financial statements.
The controller is also in charge of financial planning and budgeting. Some companies have only one accounting professional who's essentially the chief cook and bottle washer and does everything. As a business grows in size and complexity, then additional layers of personnel are required to handle the volume of work that comes from growth. Other areas in the company are also impacted by growth, and it's part of the controller's job to determine just how many more salaries the company can pay for additional people without negatively impacting growth and profits.
The controller also is responsible for preparing tax returns for the business; a much more involved and complex task than completing personal income tax forms! In larger organizations, the controller can report to a vice president of finance who reports to the chief financial officer, who is responsible for the broad objectives for growth and profit and implementing the appropriate strategies to achieve the objectives.
Bookkeeping Made Easy
So what goes on the accounting and bookkeeping departments? What do these people do on a daily basis?
Well, one thing they do that's terribly important to everyone working there is Payroll. All the salaries and taxes earned and paid by every employee every pay period have to be recorded. The payroll department has to ensure that the appropriate federal, state and local taxes are being deducted. The pay stub attached to your paycheck records these taxes. They usually include income tax, social security taxes plus employment taxes that have to be paid to federal and state government. Other deductions include personal ones, such as for retirement, vacation, sick pay or medical benefits. It's a critical function. Some companies have their own payroll departments; others outsource it to specialists.
The accounting department receives and records any payments or cash received from customers or clients of the business or service. The accounting department has to make sure that the money is sourced accurately and deposited in the appropriate accounts. They also manage where the money goes; how much of it is kept on-hand for areas such as payroll, or how much of it goes out to pay what the company owes its banks, vendors and other obligations. Some should also be invested.
The other side of the receivables business is the payables area, or cash disbursements. A company writes a lot of checks during the course of year to pay for purchases, supplies, salaries, taxes, loans and services. The accounting department prepares all these checks and records to whom they were disbursed, how much and for what. Accounting departments also keep track of purchase orders placed for inventory, such as products that will be sold to customers or clients. They also keep track of assets such as a business's property and equipment. This can include the office building, furniture, computers, even the smallest items such as pencils and pens.
Well, one thing they do that's terribly important to everyone working there is Payroll. All the salaries and taxes earned and paid by every employee every pay period have to be recorded. The payroll department has to ensure that the appropriate federal, state and local taxes are being deducted. The pay stub attached to your paycheck records these taxes. They usually include income tax, social security taxes plus employment taxes that have to be paid to federal and state government. Other deductions include personal ones, such as for retirement, vacation, sick pay or medical benefits. It's a critical function. Some companies have their own payroll departments; others outsource it to specialists.
The accounting department receives and records any payments or cash received from customers or clients of the business or service. The accounting department has to make sure that the money is sourced accurately and deposited in the appropriate accounts. They also manage where the money goes; how much of it is kept on-hand for areas such as payroll, or how much of it goes out to pay what the company owes its banks, vendors and other obligations. Some should also be invested.
The other side of the receivables business is the payables area, or cash disbursements. A company writes a lot of checks during the course of year to pay for purchases, supplies, salaries, taxes, loans and services. The accounting department prepares all these checks and records to whom they were disbursed, how much and for what. Accounting departments also keep track of purchase orders placed for inventory, such as products that will be sold to customers or clients. They also keep track of assets such as a business's property and equipment. This can include the office building, furniture, computers, even the smallest items such as pencils and pens.
Accounting Principles
If everyone involved in the process of accounting followed their own system, or no system at all, there's be no way to truly tell whether a company was profitable or not. Most companies follow what are called generally accepted accounting principles, or GAAP, and there are huge tomes in libraries and bookstores devoted to just this one topic. Unless a company states otherwise, anyone reading a financial statement can make the assumption that company has used GAAP.
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If GAAP are not the principles used for preparing financial statements, then a business needs to make clear which other form of accounting they're used and are bound to avoid using titles in its financial statements that could mislead the person examining it.
GAAP are the gold standard for preparing financial statement. Not disclosing that it has used principles other than GAAP makes a company legally liable for any misleading or misunderstood data. These principles have been fine-tuned over decades and have effectively governed accounting methods and the financial reporting systems of businesses. Different principles have been established for different types of business entities, such for-profit and not-for-profit companies, governments and other enterprises.
GAAP are not cut and dried, however. They're guidelines and as such are often open to interpretation. Estimates have to be made at times, and they require good faith efforts towards accuracy. You've surely heard the phrase "creative accounting" and this is when a company pushes the envelope a little (or a lot) to make their business look more profitable than it might actually be. This is also called massaging the numbers. This can get out of control and quickly turn into accounting fraud, which is also called cooking the books. The results of these practices can be devastating and ruin hundreds and thousands of lives, as in the cases of Enron, Rite Aid and others.
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If GAAP are not the principles used for preparing financial statements, then a business needs to make clear which other form of accounting they're used and are bound to avoid using titles in its financial statements that could mislead the person examining it.
GAAP are the gold standard for preparing financial statement. Not disclosing that it has used principles other than GAAP makes a company legally liable for any misleading or misunderstood data. These principles have been fine-tuned over decades and have effectively governed accounting methods and the financial reporting systems of businesses. Different principles have been established for different types of business entities, such for-profit and not-for-profit companies, governments and other enterprises.
GAAP are not cut and dried, however. They're guidelines and as such are often open to interpretation. Estimates have to be made at times, and they require good faith efforts towards accuracy. You've surely heard the phrase "creative accounting" and this is when a company pushes the envelope a little (or a lot) to make their business look more profitable than it might actually be. This is also called massaging the numbers. This can get out of control and quickly turn into accounting fraud, which is also called cooking the books. The results of these practices can be devastating and ruin hundreds and thousands of lives, as in the cases of Enron, Rite Aid and others.
Basic Accounting Principles
Accounting has been defined as, by Professor of Accounting at the University of Michigan William A Paton as having one basic function: "facilitating the administration of economic activity. This function has two closely related phases: 1) measuring and arraying economic data; and 2) communicating the results of this process to interested parties."
As an example, a company's accountants periodically measure the profit and loss for a month, a quarter or a fiscal year and publish these results in a statement of profit and loss that's called an income statement. These statements include elements such as accounts receivable (what's owed to the company) and accounts payable (what the company owes). It can also get pretty complicated with subjects like retained earnings and accelerated depreciation. This at the higher levels of accounting and in the organization.
Much of accounting though, is also concerned with basic bookkeeping. This is the process that records every transaction; every bill paid, every dime owed, every dollar and cent spent and accumulated.
But the owners of the company, which can be individual owners or millions of shareholders are most concerned with the summaries of these transactions, contained in the financial statement. The financial statement summarizes a company's assets. A value of an asset is what it cost when it was first acquired. The financial statement also records what the sources of the assets were. Some assets are in the form of loans that have to be paid back. Profits are also an asset of the business.
In what's called double-entry bookkeeping, the liabilities are also summarized. Obviously, a company wants to show a higher amount of assets to offset the liabilities and show a profit. The management of these two elements is the essence of accounting.
There is a system for doing this; not every company or individual can devise their own systems for accounting; the result would be chaos!
As an example, a company's accountants periodically measure the profit and loss for a month, a quarter or a fiscal year and publish these results in a statement of profit and loss that's called an income statement. These statements include elements such as accounts receivable (what's owed to the company) and accounts payable (what the company owes). It can also get pretty complicated with subjects like retained earnings and accelerated depreciation. This at the higher levels of accounting and in the organization.
Much of accounting though, is also concerned with basic bookkeeping. This is the process that records every transaction; every bill paid, every dime owed, every dollar and cent spent and accumulated.
But the owners of the company, which can be individual owners or millions of shareholders are most concerned with the summaries of these transactions, contained in the financial statement. The financial statement summarizes a company's assets. A value of an asset is what it cost when it was first acquired. The financial statement also records what the sources of the assets were. Some assets are in the form of loans that have to be paid back. Profits are also an asset of the business.
In what's called double-entry bookkeeping, the liabilities are also summarized. Obviously, a company wants to show a higher amount of assets to offset the liabilities and show a profit. The management of these two elements is the essence of accounting.
There is a system for doing this; not every company or individual can devise their own systems for accounting; the result would be chaos!
What Is Accounting Anyway?
Anyone who's worked in an office at some point or another has had to go to accounting. They're the people who pay and send out the bills that keep the business running. They do a lot more than that, though. Sometimes referred to as "bean counters" they also keep their eye on profits, costs and losses. Unless you're running your own business and acting as your own accountant, you'd have no way of knowing just how profitable - or not - your business is without some form of accounting.
No matter what business you're in, even if all you do is balance a checkbook, that's still accounting. It's part of even a kid's life. Saving an allowance, spending it all at once - these are accounting principles.
What are some other businesses where accounting is critical? Well, farmers need to follow careful accounting procedures. Many of them run their farms year to year by taking loans to plant the crops. If it's a good year, a profitable one, then they can pay off their loan; if not, they might have to carry the loan over, and accrue more interest charges.
Every business and every individual needs to have some kind of accounting system in their lives. Otherwise, the finances can get away from them, they don't know what they've spent, or whether they can expect a profit or a loss from their business. Staying on top of accounting, whether it's for a multi-billion dollar business or for a personal checking account is a necessary activity on a daily basis if you're smart. Not doing so can mean anything from a bounced check or posting a loss to a company's shareholders. Both scenarios can be equally devastating.
Accounting is basically information, and this information is published periodically in business as a profit and loss statement, or an income statement.
No matter what business you're in, even if all you do is balance a checkbook, that's still accounting. It's part of even a kid's life. Saving an allowance, spending it all at once - these are accounting principles.
What are some other businesses where accounting is critical? Well, farmers need to follow careful accounting procedures. Many of them run their farms year to year by taking loans to plant the crops. If it's a good year, a profitable one, then they can pay off their loan; if not, they might have to carry the loan over, and accrue more interest charges.
Every business and every individual needs to have some kind of accounting system in their lives. Otherwise, the finances can get away from them, they don't know what they've spent, or whether they can expect a profit or a loss from their business. Staying on top of accounting, whether it's for a multi-billion dollar business or for a personal checking account is a necessary activity on a daily basis if you're smart. Not doing so can mean anything from a bounced check or posting a loss to a company's shareholders. Both scenarios can be equally devastating.
Accounting is basically information, and this information is published periodically in business as a profit and loss statement, or an income statement.
Friday, April 2, 2010
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Friday, March 26, 2010
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Saturday, February 27, 2010
Requirements Set By Lending Companies For Online Credit Card Application
Backed by so many histories of non-payments and other related cases, lending companies have the reason to require certain information and other things needed for the application of credit cards. Requirements must not be viewed as hindrances in acquiring a credit card but a useful tool in strengthening the bond between the creditor and the lessee.
Application is a process in which one aspirant is going to fill up certain information and questions pertaining to his identity and the like. This is viewed by companies to help them trace those people who are willing to pay for the dues they set. On that applications also will appear whether the applicant is qualified in terms of the capability to pay.
These times, there are still lending companies and banks that lets an applicant apply personally to the nearest office that they have. An applicant is interviewed by the manager of the company or any represented authorized by the company. He will be given an application form which he must complete and submit to the same.
That process is still the best way for the companies in choosing their good paying clients. However, there are also good payers that can not come personally to the offices of these lending companies. With these, lending companies and banks thought of a way; online banking and online credit card application.
Before online banking was deemed feasible, banks and other companies has been using telephone banking. However, telephone banking does not answer to the problem of some clients that are busy but are still willing to apply for credit cards.
Online application for credit cards is no different from the personal application. You are still going to be asked to fill out an application form and submit it via the internet. Online credit card application may be considered faster than the personal application with less the effort and the time wasted for traveling. Later on, you will be contacted by the company through phone.
Here are some of the requirements that are primarily asked by many lending companies:
1.Applicant's Name, address, contact numbers (except mobile phone numbers) and other personal information that will be needed by the company. These things are normally being asked by the company to trace you if any unnecessary thing may happen. This will help the company locate you in case of non-payment.
2.Recent employment information and other information concerning job and incomes. This information is solicited from those people who are already working and already earning a salary. This is very important for the company for them to determine how feasible they are to pay a monthly bill as accorded to your annual or monthly income. Contact number in office or in the working place may also be asked by the company.
3.Student information and other information concerning an applicant who is still a student and seeking to have a student credit card. This is being asked to know whether the student is capable of paying a regular credit card or not.
4.Credit history. Some lending companies include in the application form the credit card companies that you have signed with in the past. You credit history will also be asked.
Credit card online application is so far the most convenient way of applying for a credit card. Aside from saving effort and time, you will have greater access to many benefits that are being advertised in the page.
Application is a process in which one aspirant is going to fill up certain information and questions pertaining to his identity and the like. This is viewed by companies to help them trace those people who are willing to pay for the dues they set. On that applications also will appear whether the applicant is qualified in terms of the capability to pay.
These times, there are still lending companies and banks that lets an applicant apply personally to the nearest office that they have. An applicant is interviewed by the manager of the company or any represented authorized by the company. He will be given an application form which he must complete and submit to the same.
That process is still the best way for the companies in choosing their good paying clients. However, there are also good payers that can not come personally to the offices of these lending companies. With these, lending companies and banks thought of a way; online banking and online credit card application.
Before online banking was deemed feasible, banks and other companies has been using telephone banking. However, telephone banking does not answer to the problem of some clients that are busy but are still willing to apply for credit cards.
Online application for credit cards is no different from the personal application. You are still going to be asked to fill out an application form and submit it via the internet. Online credit card application may be considered faster than the personal application with less the effort and the time wasted for traveling. Later on, you will be contacted by the company through phone.
Here are some of the requirements that are primarily asked by many lending companies:
1.Applicant's Name, address, contact numbers (except mobile phone numbers) and other personal information that will be needed by the company. These things are normally being asked by the company to trace you if any unnecessary thing may happen. This will help the company locate you in case of non-payment.
2.Recent employment information and other information concerning job and incomes. This information is solicited from those people who are already working and already earning a salary. This is very important for the company for them to determine how feasible they are to pay a monthly bill as accorded to your annual or monthly income. Contact number in office or in the working place may also be asked by the company.
3.Student information and other information concerning an applicant who is still a student and seeking to have a student credit card. This is being asked to know whether the student is capable of paying a regular credit card or not.
4.Credit history. Some lending companies include in the application form the credit card companies that you have signed with in the past. You credit history will also be asked.
Credit card online application is so far the most convenient way of applying for a credit card. Aside from saving effort and time, you will have greater access to many benefits that are being advertised in the page.
Repossession Stopped – Why Making The Right Choices Can Help You Keep Your Home.
Everyone dreams of owning their own home but that dream can turn into a nightmare often through no fault of your own. Redundancy, divorce, illness and credit problems can create a situation where you’re not able to make your monthly mortgage payments.
Without immediate action, mortgage arrears can very quickly descend into full-blown repossession proceedings and the nightmare of losing your home – and any equity you have in it – becomes a reality.
The good news is that help is at hand. By remortgaging your house with an experienced broker you can stop repossession proceedings in their tracks and get on with your life with a new mortgage that suits you.
Read on to see how these specialist companies can help you no matter where you are on the repossession ladder.
1. MORTGAGE ARREARS
Missing even just one mortgage payment can cause enormous damage to your credit rating and, unless you can pay off the outstanding amount immediately, can quickly become a real problem.
A missed payment is logged as mortgage arrears – if that payment isn’t settled immediately it rolls on to the next month meaning that, until the outstanding amount is settled, you are registered as being in mortgage arrears.
2. REPOSSESSION PROCEEDINGS
Missing several payments or having longstanding mortgage arrears could lead to your mortgage lender starting repossession proceedings.
The first step would usually for the mortgage company to issue a claim form citing the time and date that you would be required to appear at county court.
This can often be a confusing document with a great deal of information including detail of your account, description of the property, details of any previous attempts to repossess the property and details of your arrears.
The claim form is accompanied by a form called an N11M “Form Of Defence”; it allows you to explain your circumstances and what you will do to resolve your mortgage arrears and has to be completed within 14 days.
3. COUNTY COURT HEARING
Even if you have replied to the claim form you must attend the court hearing. Don’t expect an Old Bailey style trial – County Court hearings take place in a private room with you, the district judge and the lender’s solicitor.
You will get a chance to tell the judge what measures you intend to take in order to pay off your arrears.
If your offer is reasonable – for example, by agreeing to remortgage your home, they usually grant a suspended possession order. This allows you to stay in your home provided you pay off the rent plus an agreed amount toward your arrears.
4. POSSESSION ORDER
If you can’t convince the court that you are able to clear the arrears – or if you fail to turn up for you County Court hearing they will issue a possession order. This gives you 28 days to settle your debt or face eviction.
5. EVICTION WARRANT
If you cannot settle your arrears within 28 days OR if you fail to comply with the suspended possession order the lender can apply for an Eviction Warrant without further recourse to the courts. Once an eviction order has been issued, court bailiffs will then set a date when they will visit your property to make sure you have left. The primary aim of repossession specialists is to ensure that this does not happen.
Without immediate action, mortgage arrears can very quickly descend into full-blown repossession proceedings and the nightmare of losing your home – and any equity you have in it – becomes a reality.
The good news is that help is at hand. By remortgaging your house with an experienced broker you can stop repossession proceedings in their tracks and get on with your life with a new mortgage that suits you.
Read on to see how these specialist companies can help you no matter where you are on the repossession ladder.
1. MORTGAGE ARREARS
Missing even just one mortgage payment can cause enormous damage to your credit rating and, unless you can pay off the outstanding amount immediately, can quickly become a real problem.
A missed payment is logged as mortgage arrears – if that payment isn’t settled immediately it rolls on to the next month meaning that, until the outstanding amount is settled, you are registered as being in mortgage arrears.
2. REPOSSESSION PROCEEDINGS
Missing several payments or having longstanding mortgage arrears could lead to your mortgage lender starting repossession proceedings.
The first step would usually for the mortgage company to issue a claim form citing the time and date that you would be required to appear at county court.
This can often be a confusing document with a great deal of information including detail of your account, description of the property, details of any previous attempts to repossess the property and details of your arrears.
The claim form is accompanied by a form called an N11M “Form Of Defence”; it allows you to explain your circumstances and what you will do to resolve your mortgage arrears and has to be completed within 14 days.
3. COUNTY COURT HEARING
Even if you have replied to the claim form you must attend the court hearing. Don’t expect an Old Bailey style trial – County Court hearings take place in a private room with you, the district judge and the lender’s solicitor.
You will get a chance to tell the judge what measures you intend to take in order to pay off your arrears.
If your offer is reasonable – for example, by agreeing to remortgage your home, they usually grant a suspended possession order. This allows you to stay in your home provided you pay off the rent plus an agreed amount toward your arrears.
4. POSSESSION ORDER
If you can’t convince the court that you are able to clear the arrears – or if you fail to turn up for you County Court hearing they will issue a possession order. This gives you 28 days to settle your debt or face eviction.
5. EVICTION WARRANT
If you cannot settle your arrears within 28 days OR if you fail to comply with the suspended possession order the lender can apply for an Eviction Warrant without further recourse to the courts. Once an eviction order has been issued, court bailiffs will then set a date when they will visit your property to make sure you have left. The primary aim of repossession specialists is to ensure that this does not happen.
Repossession Laws Right And Wrongs
Buying a new car or home can be so much fun You pick out the colours, the style, and all that goes with it. You sign up for a loan and leave feeling accomplished. However, when signing up for a loan or a credit card you may not be aware that if you do not pay, your belongings could be repossessed. It can happen to anyone and it is important that you know what can and can not be taken in the event that you do fall a few payments behind. Understanding the laws can greatly help you avoid repossession and protect you from being taken advantage of throughout the process of the loan.
Not all items can be repossessed. Land, for example, can not be repossessed in most cases. The only way that land can be repossessed is if the contract includes a grace period. This grace period is a time frame in which every payment must be made after a late payment is incurred. If you do not make the payment within this grace period then the land can in fact be taken back by the original owner.
If you are out of work for an extended period of time and are unable to make payments notify your creditor. Sometimes your contract will include Credit Accident and Health Insurance. This insurance will pay the debt that you obtain while you are unable to make payments. Usually this insurance only comes into effect when you have been sick for more than two weeks. It is important that you check whether or not you have this insurance prior to being unable to make payments because if you do not have it, those missed payments could cause that item to be repossessed.
A repossessor can not come into your home without your consent. This means if you see someone trying to break into your home, garage or any place where the item in question is being stored, call the police. Even if someone claims to have legal documentation which states that they can take the item, it is best to contact a lawyer.
If your property is repossessed then you will not be required to pay for it afterwards. The only time you will need to make extra payments is if the property seized was an automobile. Since the creditor will be selling your vehicle for the best price they can get, you will have to pay the difference that is lost in the sale. Any extra money that the creditor earns from completing the sale must be awarded to you. Sometimes the creditor will sell the vehicle for an extremely low amount in order to get money from you. This is illegal and should be reported immediately to your lawyer.
Understanding repossession laws can save you the trouble of trying to regain your property in the unfortunate event of repossession. It is much easier to prevent your property from being repossessed than to try and get it back. Be aware of repossession laws.
Not all items can be repossessed. Land, for example, can not be repossessed in most cases. The only way that land can be repossessed is if the contract includes a grace period. This grace period is a time frame in which every payment must be made after a late payment is incurred. If you do not make the payment within this grace period then the land can in fact be taken back by the original owner.
If you are out of work for an extended period of time and are unable to make payments notify your creditor. Sometimes your contract will include Credit Accident and Health Insurance. This insurance will pay the debt that you obtain while you are unable to make payments. Usually this insurance only comes into effect when you have been sick for more than two weeks. It is important that you check whether or not you have this insurance prior to being unable to make payments because if you do not have it, those missed payments could cause that item to be repossessed.
A repossessor can not come into your home without your consent. This means if you see someone trying to break into your home, garage or any place where the item in question is being stored, call the police. Even if someone claims to have legal documentation which states that they can take the item, it is best to contact a lawyer.
If your property is repossessed then you will not be required to pay for it afterwards. The only time you will need to make extra payments is if the property seized was an automobile. Since the creditor will be selling your vehicle for the best price they can get, you will have to pay the difference that is lost in the sale. Any extra money that the creditor earns from completing the sale must be awarded to you. Sometimes the creditor will sell the vehicle for an extremely low amount in order to get money from you. This is illegal and should be reported immediately to your lawyer.
Understanding repossession laws can save you the trouble of trying to regain your property in the unfortunate event of repossession. It is much easier to prevent your property from being repossessed than to try and get it back. Be aware of repossession laws.
Tuesday, February 23, 2010
Replace Your Lost Income With Income Protection Insurance
There is no longer such a thing as a ‘job for life’ and while no one likes to imagine the worst happening it can and it does and if you haven’t taken steps towards planning for what would happen if you were to lose your income, then you could be in great financial difficulty if you cannot afford to pay your essential monthly outgoings. Income protection insurance, however could give you great peace of mind not to mention security by replacing your income should you become out of work, providing it’s suitable for your circumstances.
An income payment protection insurance plan will give you a tax free sum of money each and every month once you have been out of work usually for 30 days or more. It will then continue to cover your lost income up to a set amount for up to 12 months if it is needed and some providers pay for up to 24 months.
Income protection insurance is an invaluable safety net on which you can fall and can make find another job and get back to work. While it can be valuable protection the product isn’t suitable for all circumstances and this isn’t always made clear at the time of taking out the policy. Exclusions that could mean you wouldn’t be eligible to claim include being in part time employment, being retired, and self-employed or suffering from a pre-existing medical condition at the time of taking out the cover.
You should always check the small print for any exclusions along with the key facts regarding an income protection insurance policy and you can get these facts from a standalone provider if you are not sure. A specialist in payment protection can always give you advice along with giving you the cheapest premiums for your income protection insurance policy.
An income payment protection insurance plan will give you a tax free sum of money each and every month once you have been out of work usually for 30 days or more. It will then continue to cover your lost income up to a set amount for up to 12 months if it is needed and some providers pay for up to 24 months.
Income protection insurance is an invaluable safety net on which you can fall and can make find another job and get back to work. While it can be valuable protection the product isn’t suitable for all circumstances and this isn’t always made clear at the time of taking out the policy. Exclusions that could mean you wouldn’t be eligible to claim include being in part time employment, being retired, and self-employed or suffering from a pre-existing medical condition at the time of taking out the cover.
You should always check the small print for any exclusions along with the key facts regarding an income protection insurance policy and you can get these facts from a standalone provider if you are not sure. A specialist in payment protection can always give you advice along with giving you the cheapest premiums for your income protection insurance policy.
Monday, February 22, 2010
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Replacement Wooden Box Sash Windows Enhance your Home
Windows are essential parts of your home. That is why the style for your windows must be chosen well just like the furniture that would suit your living room or kitchen. Your choice of window style can greatly affect the facade of your home, whether seen from the outside or inside. However, if you want a window style that would look great on any type of home, then wooden box sash windows are advised by many home decorating experts and builders alike.
Wooden box sash windows are very common in countries like United States and United Kingdom. Although nowadays, some box sash windows can be made from UPVC, the traditional box sash windows that are made from soft wood or hard wood are still preferred by many. Typical types of wood used in making wooden box sash windows include European Redwood, Mahogany, Pine and American White Oak. However, no matter how high the quality of the wood used for the window is, it will eventually deteriorate if not treated properly with preservatives. Professional box sash window unit manufacturers such as http://www.traditionalwoodwindows.co.uk will supply your windows either vacuum pressure treated or painted with micro porous protective paint.
You need not be afraid that new replacement wooden box sash windows may affect the appearance of your home. Replacement windows can still provide the same style and quality akin to your original box sash windows. Just like a traditional wooden box sash window, replacements can be manufactured to match the original style of your home. Replacement sashes built to mirror your original windows style will enhance the look of the exterior of your home and will also enhance the interior space while adding light at the same time. A traditionally styled wooden box sash window is certainly your best choice for replacing original wooden box sashes that may have perished due to exposure to the elements.
Moreover, later replacement wooden box sash windows that are used for homes now are much more secure than original windows. While older windows can often easily be opened from the outside (this may invite burglars into your home), double glazed replacement wooden box sash windows cannot easily be opened. Your new double glazed windows can easily be closed and opened from the inside, but securely locked to prevent intruders. Additionally, new double glazed box sash window units do not rattle in the wind as do many older windows. Later replacement double glazed sash windows are also fully draught excluded and highly energy efficient.
Wooden box sash windows are very common in countries like United States and United Kingdom. Although nowadays, some box sash windows can be made from UPVC, the traditional box sash windows that are made from soft wood or hard wood are still preferred by many. Typical types of wood used in making wooden box sash windows include European Redwood, Mahogany, Pine and American White Oak. However, no matter how high the quality of the wood used for the window is, it will eventually deteriorate if not treated properly with preservatives. Professional box sash window unit manufacturers such as http://www.traditionalwoodwindows.co.uk will supply your windows either vacuum pressure treated or painted with micro porous protective paint.
You need not be afraid that new replacement wooden box sash windows may affect the appearance of your home. Replacement windows can still provide the same style and quality akin to your original box sash windows. Just like a traditional wooden box sash window, replacements can be manufactured to match the original style of your home. Replacement sashes built to mirror your original windows style will enhance the look of the exterior of your home and will also enhance the interior space while adding light at the same time. A traditionally styled wooden box sash window is certainly your best choice for replacing original wooden box sashes that may have perished due to exposure to the elements.
Moreover, later replacement wooden box sash windows that are used for homes now are much more secure than original windows. While older windows can often easily be opened from the outside (this may invite burglars into your home), double glazed replacement wooden box sash windows cannot easily be opened. Your new double glazed windows can easily be closed and opened from the inside, but securely locked to prevent intruders. Additionally, new double glazed box sash window units do not rattle in the wind as do many older windows. Later replacement double glazed sash windows are also fully draught excluded and highly energy efficient.
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Repaying Bad Credit Student Loans
Well, it was nice while it lasted. You got the money for your tuition, finished that last semester, and now you have graduated, diploma in hand. However, in the not so distant future, the glow will wear off, and you'll be facing the repayment of all those loans. While you have managed to allow your payment and credit history to suffer while you've been focused on your studies, those bad credit repayment demands on those loans won't go away. First year college students usually acquire student loans without too much trouble. It's the third and fourth year students who are often plagued by bad credit, and then must resort to finding bad credit student loans.
Such loans are extremely difficult to find and obtain, and come with astronomical interest rates. If you've defaulted on any loan, you may be faced with increased interest penalties, or in some cases, immediate demand of repayment. Defaulting on a loan means that you haven't complied with repayment terms or if you've gone way past due payment dates. Defaulting on a loan, especially a bad credit student loan, comes with severe repercussions.
The first thing you may face is a letter requesting the immediate repayment of the loan, and you will lose your option of making payments in installments, or even deferred payments. Finding student financial aid in these circumstances will be extremely difficult, especially if you're seeking any Federal funding such as a Perkins Loan. In addition, your account may be turned over to a collection agency and you will more than likely have to pay additional fees as well as interest charges, late fees, collection costs and even, if you're really bad, court costs.
That's just the beginning. If you don't pay a bad student credit loan, or any loan for that matter, your account may be referred to a national credit bureau and your credit rating can be damaged for years to come. Try buying a car, furniture or obtaining a home improvement loan with that hanging over your head. You may even have difficulty renting an apartment, as landlords run credit checks on prospective tenants and if they find that you are consistently late in making payments or if you've defaulted on any debt, they may deny you. Having bad credit can even affect future employment, so all that hard work studying may likely be useless if you don't take care to repay your student loan debts on time.
In severe cases, the IRS may garner any future income tax refunds for repayment of loans, so avoid missing payments or defaulting on any loan if at all possible. Before you ask for a student loan, think about the future and repayment. If possible, start a separate savings account and start tucking money away in an effort to get a jump on the repayment of any student loan, good credit or bad, so that you can avoid the disaster that has met thousands of graduating students. Don't let that college education go down the drain. Think ahead, play it smart and put those brains to some good use. Plan ahead when it comes time to find, and repay, any type of student loans.
Such loans are extremely difficult to find and obtain, and come with astronomical interest rates. If you've defaulted on any loan, you may be faced with increased interest penalties, or in some cases, immediate demand of repayment. Defaulting on a loan means that you haven't complied with repayment terms or if you've gone way past due payment dates. Defaulting on a loan, especially a bad credit student loan, comes with severe repercussions.
The first thing you may face is a letter requesting the immediate repayment of the loan, and you will lose your option of making payments in installments, or even deferred payments. Finding student financial aid in these circumstances will be extremely difficult, especially if you're seeking any Federal funding such as a Perkins Loan. In addition, your account may be turned over to a collection agency and you will more than likely have to pay additional fees as well as interest charges, late fees, collection costs and even, if you're really bad, court costs.
That's just the beginning. If you don't pay a bad student credit loan, or any loan for that matter, your account may be referred to a national credit bureau and your credit rating can be damaged for years to come. Try buying a car, furniture or obtaining a home improvement loan with that hanging over your head. You may even have difficulty renting an apartment, as landlords run credit checks on prospective tenants and if they find that you are consistently late in making payments or if you've defaulted on any debt, they may deny you. Having bad credit can even affect future employment, so all that hard work studying may likely be useless if you don't take care to repay your student loan debts on time.
In severe cases, the IRS may garner any future income tax refunds for repayment of loans, so avoid missing payments or defaulting on any loan if at all possible. Before you ask for a student loan, think about the future and repayment. If possible, start a separate savings account and start tucking money away in an effort to get a jump on the repayment of any student loan, good credit or bad, so that you can avoid the disaster that has met thousands of graduating students. Don't let that college education go down the drain. Think ahead, play it smart and put those brains to some good use. Plan ahead when it comes time to find, and repay, any type of student loans.
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Monday, February 15, 2010
Special post to get indexed
This is just a test to see if I can get this site indexed using a new system. Only time will tell.
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