Showing posts with label Credit. Show all posts
Showing posts with label Credit. Show all posts

Wednesday, 26 October 2011

Where To Find Medical Secretary Jobs In Canada - Colleges

The best place to look for Medical Secretary or Medical Office Administration jobs would be the internet. Most employers that you would be working for, be it hospitals or small offices, are computerized and now post all available jobs online.

Some websites to browse for Medical Secretary job listings and to post your resume would be:

workopolis.com
monster.ca
jobbank.ca
jobboom.com

You should Google your job search and check as many websites and job listings as you feel necessary. Be sure to also check your local online classifieds such as kijiji.ca and craigslist.ca for job postings. It is not recommended to post you resume with your personal information on these sites but you could certainly post a listing giving some basic information about the job you are looking for and your skills without using identifying information.

You can often find Medical Office Administration career listings on hospital specific websites such as uhn.ca (Princess Margaret Hospital, Toronto General Hospital and Toronto Western Hospital in Toronto, ON), hhsc.ca (made up of six hospitals including McMaster University Hospital and the Children's Hospital, a renowned Cancer Centre, and an Urgent Care Centre all located in Hamilton, ON), stjosham.on.ca (St. Joseph's Hospital, Hamilton, ON), and niagarahealth.on.ca (comprised of seven acute care sites in the Niagara Region of Ontario including the Greater Niagara General Site in Niagara Falls, ON and the Hotel Dieu Hospital in St. Catharines, ON). There are all sorts of listings on sites specific to your province or state so use the web search tool of your choice to hopefully increase the number of jobs available to you.

Do not overlook the classified ads in your local newspapers as well. There are still a few offices that are seriously old school and are not computerized so they do not advertise online. They will only submit a job listing to their local newspaper. These can provide very good leads that you would not find anywhere else and sometimes they are a little less "crowded" for interviews since they are not advertised online and not all applicants take the time or opportunity to further broaden their career options.

Many jobs may be listed as part-time or as a one-year contract or temporary full-time. These are often positions that are available because that office's receptionist is off for a maternity leave. Jobs like this are great for building up your experience that will land you those jobs in the hospitals that will potentially pay you more and have better benefits.

Remember to apply for jobs at local retirement homes and long-term care facilities. With your Medical Secretary training you would also be able to apply for jobs with your local government healthcare office, alternative health offices such as chiropractic or massage or physiotherapy clinics, and insurance companies to name a few examples for you. You have quite a few options available to you if you are looking for something other than a hospital or doctor's office specifically. Although some of these options do not utilize all the skills that you acquired during your Medical Office Administration training, they can certainly be fulfilling careers or just the thing you need to gain some experience to get that next level position in your new career.

If you are ever having difficulties finding employment you could always offer your services on a volunteer basis mostly to gain experience. This also looks appealing to an employer since it shows you are dedicated, ambitious and diligent.

Tuesday, 25 October 2011

All Contractors Should Be Taking Full Advantage Of Tax-Free ISA's Today

Many contractors who have savings or hope to begin saving and would like to increase the potential return on their investment on savings, should have an Individual Savings Accounts (ISA's). The current maximum that can be placed into an ISA is £10,680, of which £5,340 can be in cash. The other £5,340 can be used for shares. Although the maximum £5,340 has been set for cash, there is no limit within the £10,680 for shares.

Many people may be confused how ISA's are structured and how they can bring such great tax relief for such large chunks of savings, keeping large amounts of money away from the tax man. But a simple meeting with any local branch advisor will help explain and choose the best suited ISA for your individual needs and requirements. Recent finding by the HM Revenue & Customs (HMRC) has shown that aside from the fact that many still don't understand how beneficial having an ISA can be there is currently 15.3 million active ISA accounts. The most since the introduction of ISA's in 1998.

All contractors should consider an ISA as their first choice for ultimate flexibility for investments, as having instant access to savings can be an attractive prospect especially for contractors.

For contractors there are many types of ISA's to choose from:

Cash ISA's: Many will have variable rates of interest depending on the access required. ISA's can have instant access at the teller, online and by phone but may have low rates, whereas fixed rate ISAs are available with higher rates but may require less flexibility and a possible fine for early withdrawals. But are great for short term and free from any fluctuations within the stock market.

Equity ISA's: The opportunity to invest money in a managed fund or chose to make individual decisions on which companies to invest in. There are different areas that managed funds invest in, these are international equity funds, commercial property and corporate and treasury bonds. But beware as stocks and shares ISA's can be considered long term (5+ years) and the investment can fall below the contractors initial instalment as the markets fluctuate.

With contractors facing challenges from the HMRC, with tax, IR35, IR56 compliance and expenses being required it is vital to make use of all available tax breaks that are still available. It is also recommended to use an umbrella company to help process your payroll and maximise your income through using their tax expertise, keeping you on the legal path. Whilst reducing the worry and complexities that are involved with all the legal issues.

How to Choose a Tax Problem Service Provider

Can You Do It Settle Your Tax Problem Yourself?

Most people try to resolve tax problems on their own or with the help of their tax preparer. They think that a tax attorney is too expensive, they can save money by doing it themselves and if they owe a little bit more, they'll just pay it.

In an IRS Audit, many taxpayers go into an IRS audit totally unprepared and simply hope for the best. Some think that if they can impress the IRS auditor that they are nice, law-abiding, decent human beings and not common criminals, the IRS auditor will mellow, be sympathetic, and politely let them off the hook. Forget it! IRS auditors are nice, decent human beings too, but most importantly, they pay their taxes... and they don't think too kindly of others who don't. If you are selected for an IRS audit, or owe taxes you just can't pay, you'll probably need professional tax representation.

Dealing effectively with the IRS or other state or local regulatory authorities requires specialized knowledge and experience. Your tax preparer is usually NOT your best choice if you have an IRS examination or problem with back taxes.

Do You Need Professional Representation?

Each case is different, but the more tax debt you may owe, or the more information the Internal Revenue Service (IRS) is requesting, the more likely you should hire a taxpayer resolution provider. Tax relief services are generally classified in two categories - IRS Collection Matters and IRS Audits.

IRS Collection Matters concern the payment of back taxes owed, tax penalties and tax settlements. It usually doesn't pay to hire a tax attorney when your tax debt is under $1,000. Most national tax relief companies will not help you when you owe $10,000 or less.

IRS Audits concern an IRS audit of tax returns you previously filed and are done simply by IRS letter, IRS office visit or IRS examination at your place of business. In tax audits by IRS letter, or IRS correspondence examinations, taxpayers are notified of specific, questionable tax matters they reported and are given the opportunity to object or just pay the proposed IRS assessment. IRS office visits and IRS small business tax audits are generally more comprehensive and require a review of most, if not all, of the income and deductions reported.

Who Do You Go To For IRS Help?

Only a licensed tax attorney, certified public accountant or enrolled agent can represent you before the IRS.

Tax Attorney - In the most advanced cases of IRS representation, you will probably need the services of a tax attorney. You will need to hire a tax attorney if you have committed tax fraud, are under criminal investigation by the IRS, plan to bring suit against the IRS or need to bring your case to court.

Certified Public Accountant (CPA) - A local CPA firm is your best choice where you need to prepare business tax returns or compile financial information needed in a tax audit. Only select CPAs have the knowledge and experience to represent you effectively before the IRS.

Enrolled Agent - Enrolled agents are also federally-authorized tax practitioners with technical expertise in taxation authorized to represent taxpayers before the IRS.

Choosing whether to work with a tax attorney, certified public accountant or enrolled agent will depend upon the nature of your case. In some cases, you may need the services of more than one professional.

How Much Does Taxpayer Representation Services Cost?

The cost of taxpayer representation services vary widely from a few hundred to thousands, and sometimes even tens of thousands of dollars, dependent upon the type of tax problems you have and the settlement options you can obtain.

In matters concerning a late tax return, the cost of income tax preparation is only slightly higher than that you would normally pay for tax return preparation. To properly prepare a late tax return, you should generally take additional steps to contact the IRS, asking for an extension of time, obtaining and reviewing your IRS transcript.

In help with tax debt problems, you will generally need to file all back tax returns before you can negotiate a settlement. If you're able to pay the taxes owed the costs of representation are minimal. If you're just looking for a little more time, or a tax payment plan and don't owe much, professional fees are quite affordable. The costs of paying back taxes will increase significantly depending on how much you owe and the terms of the settlement agreement.

In an IRS audit, it will usually cost you the least in an IRS examination is as a result of an IRS letter and the issues and years under examination are limited. If your audit is more comprehensive, such as an IRS office visit or IRS audit at your place of business, the costs of professional fees are almost always more. If you owe taxes and do not agree, you can usually appeal the IRS audit results or take your case to court. The cost of services can vary greatly depending upon how far you need to take it, if you owe taxes, how much you owe and the difficulty associated with each tax audit.

In many of the simpler IRS audit or tax debt cases, you may be able to contract the services of a tax attorney for a fixed fee. The estimated cost of tax attorney services will be ultimately dependent upon the difficulty of your case and how much time is required to settle your tax problems. Reputable tax attorneys will never charge you based on how much they can save you and can never guarantee your results.

How Do You Get Started?

Many tax attorneys, CPA firms and tax debt relief firms can be easily found on the Internet. Often, the initial consultation from many Tax Debt Relief companies is FREE. Be wary of Internet marketers when looking for IRS representation services on-line. Avoid calling 1-800 phone numbers to IRS audit matters, because you must be represented by a local CPA or tax attorney. Always ask to speak with a licensed CPA, EA or tax attorney before discussing any confidential information. You can to this! Good luck.

How To Report Income Tax With An LLC

Your business structure is set, so you think it's time to open for business. Not yet. There's one more issue to resolve before you're ready to open your doors - self-employment taxes and your limited liability company, or LLC.

There is conflicting guidance from the IRS when it comes to reporting income tax of an LLC, so special attention is needed when you consider your course of action.

First, let's look at the two types of LLC. There is the member-managed LLC, where every member has the authority to act on behalf of the business. In this structure, the members agree on how and when they will vote on certain LLC matters. They also agree that an individual member will not act on behalf of the LLC until the proper votes are obtained. The other type of LLC is manager-managed. This type of LLC includes "passive" members. Passive members, often investors in the LLC, do not actively manage or otherwise operate the business of the LLC. Because the members do not automatically have the authority to manage and operate the business of this type of LLC, they elect managers to carry out these responsibilities.

Initially, most certified public accountants, or CPAs, took the position that if an LLC is member-managed then it would be treated like a general partnership, and every member would pay self-employment tax. Conversely, manager-managed LLCs are treated like a limited partner. Thus, the manager pays self-employment tax, and the member does not.

But what if the member also happens to be a manager? At this point, the rules start to get blurry. The manager payment is clearly "guaranteed payment" and reported separately on the Form K-1, making it subject to self-employment tax. But there isn't clear guidance on how to treat the income that flows to the member. Is it subject to self-employment tax or not? Good question.

In one case, the Tax Court agreed with the IRS's position that a member's income in a manager-managed LLC should be considered passive. Or rather, in this case, the member's loss was considered passive and thus not able to be used to offset other income.

Yet, the IRS has proposed some regulations that indicate regardless the type of LLC - member-managed or manager-managed - if the member spends more than 500 hours per year in the business, then the income earned is active. And that means self-employment tax.

As you can see, there are not clear steps to follow when it comes to the LLC and self-employment tax. This is something you need to strategize with your CPA before you're ready to open your doors for business.

Stay At The Luxurious Hotels In Ranthambore

Ranthambore National Park is among best tour destinations in the world. Numerous tourists visit this exotic place to get a glimpse of the rich natural heritage, having a diversity of flora and fauna. The place is famous for tiger safari and wildlife tours as well. Whenever you plan a tour to a wildlife century, keep in mind to book a hotel in advance. There are a number of hotels with excellent amenities for tourists visiting the Ranthambore National Park. To add excitement and fun to your visit at the Park, hotels and resorts at Ranthambore truly offer a loving and memorable experience.

Famous Hotels In Ranthambore

The Pug Mark

The Pug Park is located near the National Park itself. This Ranthambore hotel provides all the amenities required for a luxurious stay. It has 20 well organized rooms with attached min bar, and all facilities you could ask for. Other major attractions of the hotel are an excellent swimming pool, beautiful lawn, mini golf course and so on. Round the clock room service further adds to the hospitality offered.

Tiger Den Resort

Tiger Den Resort is an ideal place to relax at the Ranthambore Park. Offering a charismatic natural environment, the place stands among the best resorts in Ranthambore with variety of amenities. Leisure activities and entertainment carry an important place here. The resort also arranges wonderful safari tour for the tourists.

Tiger Moon Resort

Located on the edge of Ranthambore national park, Tiger Moon Resort offers an open jeep safari into the deep forest to give a glimpse of the royal tiger to the tourists. The facilities in the resort are incorporated in a manner to give a very comforting stay to all guests. The resort has gained a good reputation among tourists and is booked well in advance by them.

Ranthambore Regency

Ranthambore Regency is a super luxurious resort, set in the middle of two acres of lush green lawns. A set of 20 air conditioned and well maintained rooms along with 10 luxury cottages carry the best facilities one could wish for. With excellent welcome and superb room service, the resort certainly grabs attention of huge number of tourists every year. Tourists also enjoy indoor as well as outdoor catering facilities here. The outdoor catering facility is available under the clear sky alongside swimming pool.

Give cent percent efforts to make your trip to the Park the most memorable one. For this, it's essential to have a comfortable stay there. Ranthambore hotels have specialty of their own and have gained significant popularity among tourists. Make advance booking of a suitable resort here and pack your bags for a wonderful tour!

Fix Your Credit Score With These Tips

If you need to repair your credit, consider speaking with a credit repair counselor. Many credit repair counselors can help you have even largest debts paid off in just a few years. A counselor will know better than you what steps to take and what channels to follow in consolidating your debt and building new credit. Pay every bill and pay it on time. If you don't have the money, lean on friends and family to help if you can. It takes a long time to recover from even one late or missed payment. Above all of your bills, keep your credit cards and loans paid and on time.

When it comes time to rebuild your credit, the first thing to do is make a plan. Your plan should contain how you plan on rebuilding credit and how you plan on using your credit in the future. Without a plan of attack concerning your credit, you run the risk of getting into financial trouble again.

A must have skill for any person learning to repair their credit, is to pay more than the minimum balance. Not only does this improve your credit image and save you in finance charges, but it is a discipline that will carry over into other areas of your finances, such as unnecessary spending and a greater ability to budget. Paying more than the minimum is a valued and valuable discipline, we can all benefit from having.

If you are in serious credit card debt and are trying to improve your credit score, get rid of all of your credit cards except one. This allows you to streamline the process of paying your monthly bill, and prevents you from charging more onto cards that already have high balances.

With a good credit score, you can easily buy a house and mortgage it. By paying off your mortgage on time, you will even improve your credit score further. Once you own a home, you will have financial stability secured by your assets, thus a good credit score. This will be useful in case you need to borrow money.

Even if you have had problems with credit in the past, living a cash-only lifestyle will not repair your credit. If you want to increase your credit score, you need to make use of your available credit, but do it wisely. If you truly don't trust yourself with a credit card, ask to be an authorized user on a friend or relatives card, but don't hold an actual card.

Call your credit card companies and request that they lower your limit on your cards. It will keep you from overextending yourself financially, it sends a great signal to the credit card companies that you are a responsible borrower, and you will have an easier time getting credit in the future.

If you do not understand why you have bad credit, there might be errors on your report. Consult an expert who will be able to recognize these errors and officially correct your credit history. Make sure to take action as soon as you suspect an error on your report.

Do not make credit card payments late. By remaining on time with your monthly payments, you will avoid issues with late payment submissions on your credit report. It is not necessary to pay the entire balance, however making the minimum payments will ensure that your credit is not damaged further and restoration of your history can continue.

Part of a successful credit repair effort is diligent record-keeping. All correspondence involving a credit dispute - both incoming and outgoing - should be saved for reference. Repairing a serious credit problem can be a very complex process. The debtor needs to be ready to refresh his or her memory on issues that may not have been discussed in several months.

If you need a credit agency to help you resolve your credit problems, research the agency before you sign on with it. Scams in credit repair are widespread, and many unsuspecting people have become victims of these scams. To prevent this from happening to you, get as much information as you can about the reputation of the agency.

If you are concerned about your credit, be sure to pull a report from all three agencies. The three major credit reporting agencies vary extensively in what they report. An adverse score with even one could negatively effect your ability to finance a car or get a mortgage. Knowing where you stand with all three is the first step toward improving your credit.

Know your rights that are protected by the Fair Credit Reporting Act. This will help you with any kind of negotiations and inform you of what you are entitled in the eyes of the law. Knowledge is power and when repairing a credit rating, it is very possibly money in your pocket.

An important tip to consider when working to repair your credit is the fact that your credit score will never remain the same. This is important to know because you should expect changes to it for the positive or negative and not be overly worried as long as your follow all of the basics for establishing good credit.

Repairing credit may leave some in confusion feeling very frustrated and even angry. However learning what to do and taking the initiative to follow through and do exactly what must be done can fill one will relief. Repairing credit will make one feel much more relaxed about their lives.

Good Credit Score

Due to the fact that we live in a money-driven world, and that we need money for almost everything we want to accomplish in life, having a good credit score is far more valuable than many other things in life. However, even though everybody wants to have a good credit, actually getting to the point where you will be able to apply for a loan and be sure that your application will be approved is not as easy as it may seem. A good credit score is not something you get or something you simply have. It is rather something you have to build for some time, while paying attention to a lot of little details and making sure that every financial move you make is indeed the right one.

What Exactly Is a Credit Score?

Many people are confused by this term, as when they find out what their actual score is, they often do not know what to think of the number in question. Namely, your credit score can be a number anywhere from 300 to 850, the latter being the best score you can possibly have. Now, what exactly is done in order to get this number? Well, the creator of the FICO report is the Fair Isaac Corporation, and they have come up with a way of rating people's credit in the following way: 35% debt history, 30% debt level, 15% length of debt history, 10% new debt and 10% type of debt. When all of these factors come together, the famous number is created.

Why Is Having a Good Credit Score Important?

Even though many people wrongly assume that they will not get any kind of loan if they have a bad credit score, this is actually not true. No matter how bad your score is you will always manage to find a lender willing to make credit available to you. However, the real question lies in the interest rates involved. This means that people with a good credit score will always get lower interest rates than the ones with a bad score, and the reasons for this are pretty obvious. If you have a good credit score, it automatically means that you are a low-risk borrower, which ultimately means that you are more likely to pay back the money without any problems.

How Can You Improve Your Credit Score?

To start off, you should actually get your credit score and see the number related to it. When you receive the score, you will also receive some advice on how to make this number bigger, which will result in improving your credit score. Basically, here is a list of things you should keep in mind if you want to create a good credit score:

Do not spend more than you can afford to pay back, meaning that you should always try to keep your debt below the maximum limit, as this will increase your score.

Make your monthly payments on time, or even before they are due. This way, you will keep increasing that three-digit number everybody is so interested in.

Avoid having too many credit cards, and if you have to take out a new one you should always wait a few months before taking out any loans, as it takes this much time for your score to bounce back to the usual number.