One thing that always seems to be on everyone’s mind is taxes. Whether you are filing your tax return or are curious about a tax-related matter that applies to you and your business, you should consider talking to a tax consultant who is highly experienced in a wide variety of tax-related issues.

Prepare and File Tax Returns
Many people have a difficult time filing their tax returns on their own, and some count on software programs or large tax preparation chains for assistance with their taxes. If you are looking for someone who can help you with your tax return, you should consider contacting a tax consultant; he or she can make sure that you file for any refunds or credits that you qualify for, and a tax consultant can also help ensure that your tax return is filled out accurately, which can help prevent you from getting audited or getting in trouble with the IRS.

Give Help or Advice
There are times when taxes can be complicated and confusing, regardless of your tax situation. Fortunately, you can go to a tax consultant for advice about taxes; in many cases, their expertise can help you out greatly.

– If you are filing your personal taxes and are unsure of what type of deductions you should file for, whether you should file your taxes with your spouse or what forms you will need to fill out, a tax consultant can help.

– Filing taxes if you are self-employed can be challenging, and it can be easy to miss out on deductions and credits that you qualify for. A tax consultant can assist you and answer any questions that you might have.

– If you have trouble with nearly any part of filing your taxes, such as how to file taxes for your business or whether or not you qualify for a certain type of deduction, a tax consultant can give you the advice that you need.

– Business owners often wonder about various tax-related matters, but having a tax consultant on speed dial can help.

Assist with Audits
Going through the process of being audited can be stressful and frightening, regardless of if you are a business owner or an individual. You might not know how to handle the situation, but a tax consultant can help steer you in the right direction. Having a tax consultant by your side can not only help prevent you from making mistakes or getting in trouble with the IRS, but it can also give you peace of mind during a scary and unsettling time.

The truth is, tax consultants do practically anything when it comes to helping their clients with tax-related matters. Some work specifically for certain firms and companies, and others do work for both individuals and businesses alike. If you think you need help with tax matters, don’t be afraid to contact a tax consultant for assistance; in the long run, you are sure to be glad that you did.

Sally is a content specialist for FCTC, FCTC can provide tax investigation insurance to help your business and clients through any HMRC tax enquiry, visit FCTC.co.uk to find out more about tax insurance.

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With gas and electricity bills in the UK constantly on the rise, many people are looking at ways to improve energy efficiency in their home.

Here I look at a number of great ways of not only saving energy at home but also saving a fair bit of money too.

Keep In The Heat

There are a number of measures you can take in order to keep in the heat.

Curtains are one of the simplest measures to utilise in regards to saving energy; after all many of us have them fitted in our homes. Simply drawing them in the evenings and opening them in the morning to let a little natural light in can greatly help keep the warmth in.

Give The Home A Makeover

Now I don’t mean in any 60 Minute Makeover home decorating kind of way, but looking at the fundamentals such as cavity insulation, insulating hot water pipes and tanks and lagging the boiler. It is also worth getting your boiler serviced each year, as inefficient boilers can end up costing you much more on your energy bills than a properly maintained boiler ever would.

Loft insulation is another great way to lock in the heat, saving energy and a few quid to boot.

If you have the funds available, double or triple glazing offers another way to keep the warm in and might make the home a little quieter too, at least from external noise.

Once you keep the heat in, knocking the thermostat down by a single degree will then actually cut down your heating usage by as much as ten per cent – a great way of saving energy.

Standby Is Not Your Friend

Far too many of us are guilty of leaving gadgets and gizmos on standby rather than turning them off at the mains. It might not seem like much, but it is estimated that as much as £730m is wasted across the UK by having DVDs, TVs, computers and the like on standby rather than switched off.

Light Bulbs

By fitting energy efficient light bulbs in your home instead of regular bulbs, it may cost more in the short term, but in the long term it will save money as they not only last longer, but will also help cut your electricity bill down.

Hang Me Up To Dry

Investing in indoor clothes and hanging up your washing the old school way can also cut down the bills over using a tumble dryer, so if you haven’t already started airing your laundry out the old fashioned way, today could be the perfect day to start.

Other Measures

Draft excluders, only using the amount of water you really need, showers over baths – there are a number of other great ways to save a pretty penny on your energy bills, so experiment and see which measures work well in your household.

So if you’ve had a nasty surprise when your energy bill arrived this month, challenge yourself to save energy.

Louisa Jenkins is an energy expert who offers people advice on saving energy in their home.

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Nobody likes to pay extra fees and, unfortunately, a lot of people fall victim to hidden fees when they first open an account. This can be avoided by reading all of the fine print, but it’s best to start with a bank that has no fees or minimal fees. Whether you’ve just gotten your first checking account or just setup a new bank account for a job that you just landed, you’re bound to run into some fees. This can come as a surprise to a lot a people and often times it leaves them financially crippled.

It’s understandable that banks have to charge fees, they do offer quite a bit of services that can take up resources, and you’ve got to admit that a lot of banking features can come in handy. The ability to pay bills online, manage your accounts and transfer funds can be very helpful to a lot of people. Even so, a lot of the fees seem to be a bit pricey. The increase in fees has drastically increased within the past couple of decades, and it really makes you wonder how they’re determining the costs. It’s really no fun to check your bank statement and see a bill of $200 just for doing your normal banking routine.

The best way to avoid this is by finding a financial institution that has no or minimal fees. If you’re the type of person who just uses a bank to cash your paycheck, you can avoid a lot of fees by just getting a basic account. A good portion of banking fees come from accounts that have various bells and whistles. If you’re only going to be taking out money once a week, or even just making debit transactions, you should choose a banking account with basic features.

Now, I realize that nobody likes to read a wall of text about a bank’s fees or service agreements, but it can save you from many headaches. Looking through the fine print will allow you to be familiar with all of the types of fees and how to avoid them. If you feel that the terms and conditions print is too complicated, you should give your financial institution a call and have a representative thoroughly explain all of the fees to you. If you’re still unsure which type of account you should choose, tell the representative what kind of features you’ll be using and ask them to find an account type that suits you.

You can also find a lot of lower cost banks by researching online. A simple Google search of a bank’s name along with the word “review” will yield pages and pages of information. Read through some opinion and base your decisions off of what other users have to say. You’ve got a lot of options, so there’s no need to go with the first bank you come across.

Larry Gray has worked with Cyprus offshore banking for 10 years and is educated in various financial aspects. 

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In the world of property and real estate, there are plenty of myths surrounding the purchase of a new home for your family. Some people believe that homes are consistently overvalued; others won’t touch auctions no matter how much their life depends on it. However, one of the biggest myths out there is that there is no optimal time to buy a new piece of property.

When it comes to getting the best price for your property, timing isn’t everything but it certainly is a crucial component – if you play your cards right, you could save thousands, or even tens of thousands, on your next property.

Want to know more? Here are the best and worst times during the year to buy property.

Christmas Cheer

Christmas is the season of giving, and this is just as applicable when it comes to real estate. If you’re trying to drive a bargain and the sellers seem to be as negotiable on price as Louis Vuitton, the best time to make your move is about a week before Christmas. Sellers are very aware that people often go away for Christmas and the New Year, and therefore their property won’t get as much attention as it has during previous weeks. Plus, people tend to let their softer side come out during the silly season – do the words “honey, let it go – it’s Christmas” ring any bells to you?

Jubilance in January

It seems that no matter which country you’re in, January is one of the best times in the year to buy property. Why, you ask?

After spending money on Christmas presents and vacations, many families spend January lying low with minimal spend – and this means people who are considering relocation to a new home will be waiting a few months until their bank accounts have bounced back from the holidays. Many sellers don’t want their homes left sitting on the market for an entire month, therefore many will be more negotiable on the asking price. This gives you the perfect opportunity to swoop in and nab your dream house.

Tuesdays are a winner

Yes, there is even a best day of the week to make an offer on a property. After an open home during the weekend, many buyers will make an offer on a property immediately if they are seriously interested. By the time Tuesday rolls around, if a property hasn’t had an offer, the seller will be more likely to consider your offer seriously – after all, if they decline, the property will be stuck on the market for another week at the least.

Avoid putting a spring in the seller’s step

When spring comes around and tax returns are flowing into buyers’ pockets, many are more willing to pay full price for a property they love. Spring is quite possibly one of the worst times to buy a property – there is plenty of competition on the market, but also plenty of competition for buyers who want a new home before the holiday season.

Hayley Frances is a writer who is currently looking for houses for sale in Epping. She’s in love with all things real estate and can’t wait to decorate her new home. 

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When it comes to finding an investor for your business, you may have the mindset that whoever is willing to give you money under reasonable terms is acceptable.  This line of reasoning is one of the main reasons why there are so many business owners that are forced to claim bankruptcy and permanently close down their business within the first few years of opening.  It is imperative that you take the time to explore all available investment options before making any final decisions.  Why else is this so important?

Beware of the Rabid Dogs of the Industry

If you walked up to a house that had a sign planted on the door that said “Beware of Rabid Dog”, would you eagerly try to get inside of the house without any sort of hesitation or reluctance?  Of course not!  Even if the door was wide open, you would still proceed with extreme caution in order not to become a victim of the dog that may be lurking in the shadows somewhere.     This is the same mentality that you should have when searching for investment opportunities for your business.  There are quite a few rabid dogs that are lurking in the shadows of the industry overall, ready and waiting for your first moment of weakness so that they can pounce and attack as soon as possible.  That is why it is so important that you proceed with caution while exploring any option that may seem to look too good to be true, even if it seems as if the door is wide open for you to come right through.

Rush to the First, Miss Out on the Second

One of the main problems about the decision-making process overall when it comes to businesses is that it is extremely easy to be in a rush.  You may have an extensive list of other needs that need to be fulfilled and responsibilities that need to be handled on that particular day, so finding the first investment option that meets your needs may be the only thing that you have on your mind.  Once you find the first team of private investors that are right up your alley, for example, then you will scratch that off of your to-do list immediately and move on to the next item listed.    However, if you are in such a rush to sign up the first one that seems to meet your needs, then you are automatically shutting yourself out from any other team of private investors that may be second, third or even fourth in line after that first one that would have been an even better fit for your business.  You have to be patient and realize that waiting is all part of the process.

Do Not Hesitate to Ask for Assistance

Another valid point to keep in mind is that you do not have to make these decisions on your own.  It is recommended that you invest in the expertise of professionals that are qualified and trained to be able to help you with making these types of decisions.  They may be able to help you in finding a great deal on a great investment package that you would have overlooked without their quality guidance.

This article was written by Robert Rayford, an experienced content writer that also has a thorough background in financial consulting. He has worked directly with private investors along with other investment companies throughout his career, which is why he enjoys teaching consumers and business professionals about the ins and outs of this industry through his articles.

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