Sarbanes Who?

Written by Annabel Watters, CPA


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to approve of companies who use their financial statements as tools to manage their businesses, rather than as unrelated propaganda for external users. If your accounts receivable/accounts payable ledgers are clean and up-to-date, and tie torepparttar general ledger, and you can provide clear, transparent schedules for any questionsrepparttar 112628 auditor might have, chances are you will have a clean, easy audit that will be a pleasure for both you andrepparttar 112629 auditor. For more information see: http://www.watters-cpa.com

I graduated from Angelo State University in May of 1997 with an MBA in Accounting. I took and passed the CPA exam on the first try and have been working as a consulting CPA ever since. I have worked in a variety of industries from communications and electric utilities to construction and real estate.


Need Additional Business Funds? Stop Right There!

Written by Mark Askew


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The online loan shopping resource at www.RefinanceLoanRates.com defines cash-out refinancing as a home refinancing program that allows you to you to refinance your mortgage, possibly loweringrepparttar current rate, reduce monthly payment amount and pocket cash to fund college education, add that extra room or pool to your home, buy a car, invest in a business venture and just about anything else. “You use it as needed.” says Mark.

How does it work? Here's an example: You currently owe $90,000 on a home that’s valued at $160,000. You are seeking to lowerrepparttar 112627 interest rate. You also want $20,000 in pocketable cash. You refinancerepparttar 112628 mortgage for $110,000. This leaves you with a lower rate onrepparttar 112629 balance you owe onrepparttar 112630 house, and you pocket $20,000 cash to use as you wish.

Your mortgage company is required to provide you with a written good faith estimate of closing costs within 3 working days of receivingrepparttar 112631 application. When a mortgage company tells you they have locked your rate get a written statement which detailsrepparttar 112632 interest rate,repparttar 112633 length ofrepparttar 112634 rate lock and details aboutrepparttar 112635 program.

When seeking capital to expand business ventures one would do well to make it a priority to first cut costs at home base and proceed from there.

Mark Askew is founder and editor of the Mortgage Loan Search Network located on the web at http://www.mortgageloansearch.cc, a division of Financial Marketing Network Inc.


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