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Students with Federal Loans - Complete Controller

Besides purchasing a home, getting a higher education can be one of the most expensive endeavors in your life. While some students get scholarships or obtain grants that don’t have to be paid back and others have parents who can afford to pay for their education fully, many students have no choice but to obtain federal student loans.

Student loan debt rivals credit card debt to be the number one debt most working adults carry. While this fact may be disheartening, all hope is not lost if you carry federal student loan debt as there are some ways to gain debt forgiveness. Check out America's Best Bookkeepers

Debt Forgiveness Programs

Student debt forgiveness programs were developed to show compassion for students with an overwhelming amount of student debt. There are many smaller and local programs you can apply for; however, you will have to do your research to find them.

There are four major debt forgiveness programs you can apply to; however, they will not take on debts of students who are in default status, which means they have not paid against the loan in over nine months. These debt forgiveness programs are Public Service Loan Forgiveness, Perkins loan cancellation, Income-based repayment, and Teacher Loan Forgiveness specifically for students who went to school to become teachers.

While each of these programs is widely available, they have extremely strict requirements that have to be followed. They often require the yearly filing of paperwork and intricate program rules and steps to follow. Because the amount these programs give out each year is limited, if you are using the program and have even one slipup when it comes to procedures, you are removed from the program. It is important to consider your options before using any of these programs carefully. Check out America's Best Bookkeepers

Other Loan Forgiveness Options

There are a few different types of occupation-based loan debt forgiveness programs available, depending on how you live. Such programs are mainly for attorneys, doctors, and other professionals who pay more than the average amounts for advanced degrees. Students who used such loans have a great shot of getting the entire debt forgiven after just five years. The process mainly depends upon the type of profession, particularly for the people who have a full-time job in a community.

Loanforgiveness.org

There is a government-subsidized student loan forgiveness program with multiple options under the plan, one of which may be right for you. All of these loans or debt forgiveness plans are only for students with federal student loans.

  • Standard Repayment Plan: Under this plan, your payments are fixed to pay in full over ten years.
  • Income-Contingent Repayment (ICR) Plan: This repayment plan is based on your discretionary income at the time of the plan implementation or a fixed monthly payment over 12 years, also based on your discretionary income at the time of implementation. Check out America's Best Bookkeepers
  • Income-Based Repayment (IBR) Plan: This repayment plan is based on 10 to 15% of your income and will change if your income changes. There are two IBR plans, the standard IBR plan for students who obtained a federal loan before July 1, 2014, and the New Borrower plan for those who have obtained a federal student loan after that date.
  • Pay as You Earn (PAYE) Plan: This repayment plan will cap at 10% of your discretionary income at the implementation time. If you still have any debt after making regular payments for 20 years, the rest of your debt will be forgiven if you go on to earn a graduate or professional degree that would be extended to 25 years.

Permanent Disability Release

Through the Department of Education (DoE), if a student who has a federal student loan has an incapacitating physical or mental disability and cannot contribute to what is considered significant gainful activities (a job), there may be some debt relief for a federal student loan.

First, the student must prove the disability with an authenticated doctor and have supporting documentation. Once permanent disability is determined, the student debt is canceled; however, the student cannot apply for any other educational loans. The only way a student can apply for loans and continue their education is to obtain a letter from a qualifying doctor that shows they can now engage in gainful activity (get a job.) Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
Home Equity Line of Credit - Complete Controller

Owning a home is a dream many people never realize, but for those who do, homeownership is not only satisfying but a great investment. Simply put, home equity is the portion of your home you have paid off. The growth of your home’s value and paying down your mortgage’s principal will grow your home equity. This equity can then be used to get a home equity line of credit (HELOC) and can be used for various needs a homeowner may have.

Credit’s home equity line is a way to borrow a large amount of money with a low-interest rate and be useful in multiple situations. Here are five ways you can use your home equity line of credit instead of a high-interest loan. Check out America's Best Bookkeepers

Home improvements

Home improvement is likely the number one reason homeowners take out a home equity loan. Renovations can be a costly endeavor, and many homeowners will put off renovations or repairs, which can lead to possible disasters that could be more devastating financially. Whether you are looking to upgrade, add on, or beautify or fix issues such as foundation cracks or an old and broken air conditioner, having a home equity line of credit can be a quick way to get repairs, upgrades, or improvements started.

College costs

Most parents dream of sending their kids to college but oftentimes don’t have the money to do it. While your child may get scholarships, full-ride scholarships are difficult to get, and the alternative to scholarships or grants is for you or your child to obtain a student loan. Rivaling credit card debt, student loan debt is among the top types of personal debt people carry. Many graduates spend years working towards paying off student loans. This is especially true of those whose education goes beyond a four-year degree. Check out America's Best Bookkeepers

A home equity loan is perfect to put towards a college education. Simultaneously, it may not cover the entirety of the debt. It can be a low-interest line of credit that will be easier to pay back and minimize the time it takes to pay this debt down.

Debt consolidation

Because the home equity line of credit has a lower interest rate, it is a great way to consolidate your debt. If you have high-interest credit card debt or other loans such as a car loan, using your home equity to roll these high-interest lines of credit into one lower interest payment will give you some relief. Paying off these debts will also improve your credit score.

The only danger is that if you decide to use your credit card while paying down the debt through the home equity line of credit, you could potentially get yourself back into debt and now have two payments. It is suggested you put yourself on credit card restriction until your home equity loan is paid back. Check out America's Best Bookkeepers

Emergency expenses

Every person at one time or another has had an emergency happen that called for a sum of money you didn’t have built into your budget: sudden car repairs, hot water heater burst, an unexpected medical expense. No matter the emergency, if you don’t have an emergency fund set aside, this can be a financial disaster. Using a home equity line of credit can not only take care of the emergency but can prevent financial devastation due to unexpected financial burdens.

Long-term investments

Many people don’t have the funds to invest in the stock market or real estate. Using a home equity line of credit can be an excellent source to finance long-term investments. This use for the home equity line of credit is the one that has the potential for a great financial pay off for years to come. If you invest well, not only could you potentially have income for years, but you can pay off the loan from the dividends you gain from the investments. If you invest in some rental properties, the payoffs could be a great source of passive income that you have to finance your future.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
buying a car - Complete Controller

Buying a car can be one of the most exciting purchases we make in our lives. A car is more than transportation. It says something about us without words. When deciding to buy a car, you must consider more than comfort, looks, and style. It would help if you contemplated the most important factor in car buying, the financial impact. Here are 5 steps to purchasing a car that will save you money without sacrificing quality and style. Check out America's Best Bookkeepers

  1. Research

The first stage of buying a car will always be research. A car purchase should never be an impulse buy. It should be well thought out and researched heavily before another step is taken in the process. The two main sources for thorough research are the internet and personal relationships. While the internet can provide the most information on specifics such as safety, features, reviews, and cost, word of mouth can be the most valuable source of information on what car is best for you. During this initial step, you will also begin research on the next step, financing.

  1. Financing

While ideally, a car purchase could be made with cash, often that is not the case. Most often, cars are purchased through financing via loans. Before you shop for your vehicle beyond research, knowing how you will secure money for the car purchase will be important. Financing should not be decided when you are sitting in front of an eager salesman looking to make a commission. It must be established before you even walk in the door of a dealership or meet with a seller. You should know your buying power, credit score, financing options, and what you can afford. In some cases, you can even go to your bank or other financial institution and get pre-approved for a loan you have negotiated before you shop. This option would let you know how much you can spend and inform your choices. Check out America's Best Bookkeepers

  1. Shopping

This step is beyond the research stage. At this point, you should be aware of your preferences and have some options based on desires, financial capabilities, and practicality. It would help if you had all the power in your car-buying decisions, not the salesperson or seller. With the internet, you can often even shop specific cars, dealerships, or private owners without total in-person interaction. This is about retaining the power in your purchase.

  1. Negotiation

Though you should have made all the decisions before meeting with a salesperson or seller, you can leave room for negotiation. Keep the following in mind during the negotiation:

  • Do not buy outside your means or buying power
  • Remain in control of the process
  • Negotiate the total purchase price, not the monthly payment
  • Be aware of the interest rate and negotiate it to the lowest rate possible

Negotiation is often the point where buyers end up paying more for their car than they should. The salesperson or seller has a common goal of getting the highest amount they can. We can’t fault them for this, but we also cannot allow it to cost us money we could have saved. Check out America's Best Bookkeepers

  1. Closing

Once you make your final decision and have negotiated the best deal, its time to close. The following are what you need to close:

  • Funding for the down payment (if there is one) and tax, title, and license
  • Purchasing car insurance
  • Ensuring all negotiated points are in the contract
  • All documents needed to close

Next to buying a house, car purchases are the most expensive purchase we make. This should not be something we do with light consideration. Follow the 5 steps, and you should be driving away in the car you desire with the best deal you available.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers
credit report - Complete Controller

A credit score is a powerful indicator in assessing the economic status of an individual. The lenders and banks mainly utilize it before providing you the loans for different purposes. Several businesses have started to use a credit score to make decisions about giving loans to individuals. Through the credit scores, lenders also evaluate your future capability to pay back loans and determine the risks of loan money. It also provides the basis for setting the interest rates on your loans and credit cards and deciding whether to approve the request of a credit card. Companies that give car insurance also use the credit score to set the rate of monthly installments. Utility companies also evaluate a credit score before establishing new services for you. To offer a job, a promotion, or to increase your salary package, some employers also consider credit history. Check out America's Best Bookkeepers

Payment History

The payment history comprises 35% of the total credit score. The way you manage your payments impacts the credit score. Payment issues such as bankruptcy, charge-offs, foreclosure, and repossession can have adverse effects on credit score. Timely payments of your bills can positively affect your credit score and prevent you from having future difficulties in applying for multiple types of credit.

Level of Debt

Your debt level is 30% of your total credit score. It happens that despite your timely payments of bills, your requests for credit cards and loans can still get rejected due to your debt level issues. The calculations of credit scoring like the FICO score cover a few factors that impact your credit scores, such as the overall amount of debt, ratio of credit card balance and credit limit, and the association of total loan amount and your loan balances.

If you possess higher loan balances or higher levels of debt, it could impact your credit score unfavorably. Fortunately, it is possible to reduce the credit score by paying down the loan balances. Check out America's Best Bookkeepers

Age of Credit History

Your credit score also considers the period for which you have been using credit. The age of your credit history includes the average age of all the accounts in your possession and your older account’s age. It comprises 15% of your credit score. The older credit age is beneficial for credit scores as it shows that you have a vast experience of handling the credits. On the other hand, new accounts present on your record history harm your credit score and decreases the credit age. In this scenario, the opening of several new accounts is typically not suitable for loans or insurances. However, if you manage your timely payments, it would not have many effects on the credit score. 

Types of Credit Used by you

The FICO formula also uses your types of credit while determining our credit score that whether you use a mixed kind of credit or not. Types of credit mainly cover 10% of the total credit score. There are two major types of credit accounts, which are installment loans and revolving accounts. Suppose you have both types of credit accounts than it would positively affect your credit score. It indicates that you have the experience of various kinds of accounts, which is beneficial for your credit score. However, if you do not have any of the accounts, it would not affect your credit account due to its lesser percentage. Other accounts include store accounts and mortgages. Check out America's Best Bookkeepers

Credit Inquiries

Every time you apply for the loan, credit card, or insurance with the requirement of credit check, then an inquiry shows on your credit account, which shows your credit-based application. It also encompasses 10% of your credit score. Few queries do not have much impact, but when the number increases from two within a shorter period, it costs tens of points and affects the credit score. For this purpose, make fewer applications at one time and this can prevent you from this issue. Fortunately, the inquiries made during the last 12 months are considered suitable for the credit score. Note that bookkeeping is an effective way to check your credit score by keeping records of financial matters.

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers

Money and financial planning, young hispanic self-employed woman checking bills and doing budget with calculator, computer and papers in fashion design studio
Every business aims to grow; an influx of money helps a business move forward towards its goals. Obtaining a small business loan is a prodigious way to finance the progress and expenses of a business. However, there are certain crucial aspects that one should contemplate before applying for loans.

Getting a business loan is not essentially an intricate process. However, if you are better prepared for it, your chances of approval are heightened. Following the basic steps and electing a lender that focuses on small and medium enterprises can make your business funding quite simple. There are many different lenders who offer small and medium businesses the opportunity to grow by offering them friendly terms on loans. Here are some of the essential steps that must be followed when applying for a business loan.

Small Business Loan – Essential Steps

Create a Sold Business Plan

Whether your business has just appeared on the market or has been around for a while, a solid business plan is important to convince lenders to issue a loan. It states the key aspects of your business and what your business is all about. Your mission and goals must be clearly mentioned in the business plan; this allows the lender to assess the nature and potential of your business. Your business plan must highlight how your company plans to pay back their small business loan in due time with interest.

Many business owners are tempted to skip this step as they consider it to be an unnecessary burden. Don’t make that mistake. Put some effort into noting every facet of your business plan in detail and update it as time goes by.

Spotless Accounting Records

As important as a business plan may be, your accounting records are also an important measure of your financial standing. Lenders will imperiously look into your balance sheets, income statements, cash flows, and other financial records to assess riskiness before offering you a small business loan. Apart from financial sheets, they will also see if the company is making any profits and look at their debt ratios to see how the business has performed in the past.

If something is missing in the records, you have no way of proving that it exists or existed and the loan officer looking at it will not be convinced to hand out a loan to you.

Maintain and Track your Credit Score

With the growth of many online lending options and other means to secure loans, lenders are thinking outside the box to verify the credibility of loan seekers. However, a credit score still remains one of the most crucial aspects in determining the worthiness of a business. A score of 700 plus is considered to be excellent, while 600 plus still offers you plenty of options. Below that, you have limited options and ,depending on the case, a small business loan may be approved.

Some people have no idea what their credit score is because they haven’t bothered to check it in a long time. It can be a big mistake because your credit score is still considered to be the most reliable factor in assessing the riskiness of an individual or a business. Therefore, ensure that your credit score doesn’t go haywire and track it often.

Determine the Use of the Loaned Amount

Disclosing what you will be using the loan amount for may sound like something personal you are not willing to disclose, but it can be very advantageous for the approval of a small business loan. Small businesses do not usually have a market reputation, therefore, lenders might be unsure about your plan of action. Telling them how you plan to use the loaned amount will help them to evaluate the expected profitability of your business, which ultimately means that you are able to pay back the loaned amount. Lenders have a team of experts who are adept at handling a variety of clients with multiple declared purposes for a loan. These experts usually make accurate predictions about the future of a business.

Following the above-mentioned guidelines to obtain a small business loan will increase your chances of approval. It is best to declare honest information about your business in order to ensure that you do not land in any trouble later on.

Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual accounting, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file and critical financial documents in an efficient and secure environment. Complete Controller’s team of  US based accounting professionals are certified QuickBooksTMProAdvisor’s providing bookkeeping and controller services including training, full or partial-service bookkeeping, cash-flow management, budgeting and forecasting, vendor and receivables management, process and controls advisement, and customized reporting. Offering flat rate pricing, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

 

Female business person reading email on computer screen at work on internet
Small businesses often have a difficult time getting loans from a bank if they have been in operation for less than two years, have 640 or less credit score, or need more than $250,000. Luckily, there are many online lending options, other than traditional bank loans, for businesses who want to grow and make a name for themselves. New ventures are opting for online lending options more than ever. However, to attain the most value out of these loans, you must follow the tips mentioned below.

Keep your Finances Healthy

Online lending is typically flexible and adaptable to your needs. However, almost always, you must provide solid business credentials to them. You must ensure that the financial stature of your company is capable enough to repay the borrowed amount in a specific time period. Small businesses must start with basics by registering their business and obtaining a tax id which is proof that they are a legitimate business.

Use Accounting Software to Avail Better Online Lending Options

Accounting tools and software are quite helpful for businesses in managing their bookkeeping needs as well as providing a comprehensive overview of business performance at all times. With everything in place on a digital platform, it will be easier for you to convince the lending authority for the approval of your loan. Also, it can easily be proven that you are a desirable candidate because all of the information about your business is easily accessible. Therefore, if you really are a deserving candidate, the accounting software could really boost the chances of your loan approval.

Keep Business and Personal Finances Separate

A business must give away a professional vibe no matter how small it is. When considering online lending options, it is important to understand the impact of treating your business professionally. If you are mixing your business and personal finances regularly, perhaps it is time to stop as it can negatively impact the chances for a loan approval. When you over-complicate your finances, your chances of passing an audit are dimmed which can hamper your plans for the expansion of your business. Keep a separate bank account and credit card for all of your personal expenses and treat your business as a separate entity to increase your chances of a loan approval.

Check for All Fees

Before you sign up for an online lending option, it is important to understand all of the fees, interest rates, and all other costs associated with the loan. Ensure to inquire about the fees if you are not clear about something, as it is your right to completely understand what you are getting into. Most of the information will normally be provided on the document that will be given to you for your signature. However, if they fail to answer all of your questions on the paperwork, you should not hesitate to ask openly.

Do Your Research

Before you choose your desired lending option, it is significant to read customers’ reviews and research all about them through your available means. A low-interest rate lender might seem like an attractive option, however, hidden fees or customer service might set you back. Do a thorough market research for all of your available options because you will have to deal with them for quite some time. Failing to make the right choice may cause you distress in the future. Compare all of your options and seek professional advice if you are having trouble making the right choice.

Secure the Loan

Getting an online loan might appear to be a risky alternative to a traditional bank loan. However, if you have done adequate research and taken precautionary measures, you don’t have to worry. While researching your online lending options, ensure that your selected option is reputable and asks for your financial information over a secure network. There have been cases where businesses have lost critical data to hackers and other hazardous sources.

If your online lender asks for an upfront fee or a down payment before the loan is approved and secured, consider this a red flag. Any reputable lender would never ask for upfront payment and would, in fact, adjust the fees in your payment plan rather than asking for upfront payments.

Getting a loan via online lending options is a viable choice if you do your research and follow these tips.

Check out America's Best Bookkeepers
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual accounting, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file and critical financial documents in an efficient and secure environment. Complete Controller’s team of  US based accounting professionals are certified QuickBooksTMProAdvisor’s providing bookkeeping and controller services including training, full or partial-service bookkeeping, cash-flow management, budgeting and forecasting, vendor and receivables management, process and controls advisement, and customized reporting. Offering flat rate pricing, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

 

 

 

 

 

 

 

 

 

 

 

Online Lending Options - Complete Controller

Small businesses often have difficulty getting loans from a bank if they have been in operation for less than two years, have a 640 or less credit score, or need more than $250,000. Luckily, there are many online lending options other than traditional bank loans for businesses who want to grow and name themselves. New ventures are opting for online lending options more than ever. However, to attain the most value out of these loans, you must follow the tips mentioned below. Check out America's Best Bookkeepers

Keep your Finances Healthy

Online lending is typically flexible and adaptable to your needs. However, almost always, you must provide solid business credentials to them. You must ensure that your company’s financial stature is capable enough to repay the borrowed amount in a specific period. Small businesses must start with basics by registering their business and obtaining a tax id, which is proof that they are legitimate businesses.

Use Accounting Software to Avail Better Online Lending Options

Accounting tools and software are quite helpful for businesses in managing their bookkeeping needs and providing a comprehensive overview of business performance at all times. With everything in place on a digital platform, it will be easier for you to convince the lending authority to approve your loan. It can also easily be proven that you are a desirable candidate because all of the information about your business is easily accessible. Therefore, if you are a deserving candidate, the accounting software could boost your loan approval chances. Check out America's Best Bookkeepers

Keep Business and Personal Finances Separate

A business must give away a professional vibe no matter how small it is. When considering online lending options, it is essential to understand the impact of treating your business professionally. If you are mixing your business and personal finances regularly, perhaps it is time to stop as it can negatively impact loan approval chances. When you over-complicate your finances, your chances of passing an audit are dimmed, hampering your plans to expand your business. Keep a separate bank account and credit card for all of your expenses and treat your business as a separate entity to increase your loan approval chances.

Check for All Fees

Before you sign up for an online lending option, it is essential to understand all of the fees, interest rates, and other costs associated with the loan. Ensure to inquire about the fees if you are not clear about something, as it is your right to understand what you are getting into completely. Most of the information will generally be provided on the document given to you for your signature. However, if they fail to answer all of your questions on the paperwork, you should not hesitate to ask openly. Check out America's Best Bookkeepers

Do Your Research

Before choosing your desired lending option, it is significant to read customers’ reviews and research all about them through your available means. A low-interest rate lender might seem like an attractive option; however, hidden fees or customer service might set you back. Do thorough market research for all of your available options because you will have to deal with them for quite some time. Failing to make the right choice may cause you to distress in the future. Compare all of your options and seek professional advice if you are having trouble making the right choice.

Secure the Loan

Getting an online loan might appear to be a risky alternative to a traditional bank loan. However, if you have done adequate research and taken precautionary measures, you don’t have to worry. While researching your online lending options, ensure that your selected option is reputable and asks for your financial information over a secure network. There have been cases where businesses have lost critical data to hackers and other hazardous sources.

If your online lender asks for an upfront fee or a down payment before the loan is approved and secured, consider this a red flag. Any reputable lender would never ask for an upfront payment and would adjust the fees in your payment plan rather than asking for upfront payments.

Getting a loan via online lending options is a viable choice if you do your research and follow these tips.

 

Check out America's Best Bookkeepers About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Check out America's Best Bookkeepers