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Month: October 2015

31 Oct
2015

Employee of the Month – October 2015

by Michael Pennartz | in Employee of the Month
Employee of the Month – October 2015

We recognize Max Murray for his extraordinary dedication to helping small business owners.

Max has risen to the title of Sales Manager and continues to put forth extra efforts and increased level of professionalism to help make Imperial and our lending partners the best they can be. We say Thank you to Max and thank you to all of the new clients who helped make October a success!

Call Max: 1-917-522-8003 Email Max: Max@ImperialAdvance.com

Congratulations to Max Murray and his selected charity.

Max chose Americares as our monthly charity, and $350 has been donated on his behalf, and all our new clients this month.

americares

15 Oct
2015

Last Minute Tax Tips for Small Business Owners

by Imperial Advance Team | with 0 Comment | in Blog
Last Minute Tax Tips for Small Business Owners

April 15th is fast approaching.  Many small business owners prepare their own tax returns, so we wanted to share a few common mistakes and suggestions on how best to avoid them.

Internal Revenue Service (IRS) instructions for preparing your tax returns answer many of the most commonly asked questions about taxes.  They can be a big help for individuals and small business owners preparing their own taxes. However, it’s the little mistakes that can cause problems.  Here are a few important recommendations to keep in mind:

  • Prepare your tax return as early possible.  Waiting until the last minute significantly increases the chances of making mistakes. Give yourself time to gather documents or research details. Even better, collect these documents throughout the year in a special file so you have them ready at tax time.
  • Use the correct tax rates.  Tax tables can be extremely complicated to read and understand; use particular care.
  • Fill in every line.  If a line item on a tax form doesn’t directly apply to you or your business, put a zero or a strike through where the amounts would be. That can indicate you determined the line item does not apply to you.
  • Make sure all your tax return documents are complete.  Remember to attach forms, schedules, supporting statements and explanations. If you need more space, attach separate sheets that are the same size and format as the printed forms. Transfer the totals onto the printed forms. Put your name, social security number and date on all extra pages.
  • Rounding is generally acceptable for tax documentation. For example, don’t forget to include those fast business loans you needed for your company before the holidays.  Round off all amounts on your tax return. Round up to the nearest dollar all amounts that are fifty cents or more.  Round down all amounts that are between one and 49 cents.
  • Pay and file on time. The fastest way to get the wrong attention from the IRS is to pay your taxes or file your return late.
  • Reply promptly to all IRS inquiries. Ignoring the IRS invites trouble—you could be audited or have your assets seized.
  • Ask another person to review your tax return to check your math and ensure that all fields are complete. Math errors are the most frequent mistake on individual tax returns.
  • Sign the tax return. If you pay someone to prepare your taxes, that person must sign your tax return, as well, but you must sign and date your own tax return no matter who prepares it.
  • Keep copies of your tax return and all supporting documents. You will probably need them again next year, and you should keep them for another five to seven years after that before destroying them.
01 Oct
2015

Your Business Credit, Debit and Charge Cards

by Imperial Advance Team | with 0 Comment | in Blog
Your Business Credit, Debit and Charge Cards

You use credit, debit and charge cards to buy products and services. But what makes them different? Do you know the benefits of each one of them?

Let’s start with credit cards. They are used to make purchases overtime and then you pay the amount at a later date. So credit cards are more or less like loans. You may be charged an annual fee by the issuing company. If you don’t pay back all the credit on time, you will owe a finance charge which is added to your outstanding balance.

On the other hand, a change card is awarded and just like the credit card, it’s used to buy products and services and then the amount is paid at a later date. But with change cards, you must pay the balance in full whenever you receive your statement.

Last is the debit card which allows you to access the money you have in your account, either a checking or savings account, and use it to buy goods and services. So the money you use to buy items is not a loan.

What to consider when shopping for a credit card

Credit cards have varying fees, interest rates, finance charges and benefits. You must be ready to shop around for the best prices and deals. Read the fine print to know what you are getting into before signing up for a card. Consider the following:

Know Your Annual Percentage Rate (APR)

The APR must be disclosed by the issuing company before you sign up for the card. This rate may also change so you need to find out the limits and how often this is likely to happen. Know how the rate is determined by the issuer.

Understand the Grace Period

Know how much time you have to pay the bill in full before it starts attracting interest. The credit company should give you the statement date and how many more days you have to pay the bill in full before it triggers a financial charge. Most companies will only give a grace period for new purchases and not on cash advances or balance transfers. You may also want to consider a business cash advance as an alternative to drawing a loan from your credit card.

Know the Annual Fees, Transaction Fees and Other Charges

Credit card issuers usually charge an annual fee or participation fee. You need to find out how much this is and whether you will be paying it every month or at the end of the year. Issuers may charge additional fees if you exceed a credit limit or get a cash advance. You need to find out what these fees are before signing up.

Customer Service

Customer service is important since you rely on the credit card company to resolve urgent financial matters. They should have a toll free line which you can contact.

Other Charges

Credit card companies can have unauthorized charges which you need to be aware of. You can be charged if the card is lost before it was used. It’s a good idea to find out all the information about the card from them.

Tagged business credit

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