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xero certified advisor

Transform Accounting  – the accountants for small business, are now offering the option of cloud based on line accounting systems to our existing and future clients.

Transform Accounting have a wide variety of clients who require different things from their accountants;
– A sole trader or an individual with rental properties may require once a year assistance with tax planning, tax return preparation and HMRC filing.
– A contractor or consultant with a vat registered limited company in addition to the requirements of a sole trader will also usually require book keeping, payroll, quarterly vat returns, statutory accounts filing and advice regarding dividend payments and keeping tax bills to a minimum.
– Other clients require Transform Accounting to take over their back office functions entirely to provide services including invoicing, credit control, accounts payable and cashbook management in addition to those services provided for contractor/consultant limited companies.
– Small business owners of all types will often also require regular management accounts, tax position updates and profitability analyses.

In order to satisfy these clients, Transform Accounting have assessed the various cloud based accounting systems available in the UK and after a successful pilot have chosen Xero accounting as their preferred cloud accounting partner.

Transform Accounting will now be offering the option of cloud based on line accounting systems to our existing and future clients.Both partners of Transform Accounting have recently earned Certified Advisor status from Xero accounting.

We will publish more details in later posts, but if the idea of being able to share access to your company accounts by either a web browser, ipad, iphone or android phone app appeals then this could be ideal for you.

Other great benefits can include ;

– using your phone or tablet to take a photograph of invoices/receipts and have it immediately sent to your accountant for processing
– raising expense claims on your phone or tablet,
– raising invoices on your phone or tablet
– having access to your most up to date accounts allowing you to immediately see how your business is performing.

As a measure of confidence in Xero, Transform Accounting Ltd have already moved their own company accounts to this platform and have started to migrate existing customers and new clients alike and all have been delighted with the results.

If you would like to know any more about how cloud based accounting could help your business, or if your old accountant does not offer this option, please get in touch with Transform Accounting.

Transform Accounting are Chartered Management Accountants and Tax Technicians able to assist with personal tax returns, sole traders and company payroll whilst specialising in limited companies, consultants, contractors and business start-ups. Fixed fee packages are available as are free initial consultations. Customer references are available on request.

See www.transformaccounting.co.uk or contact by telephone on 01277 365447 or by e mail at info@transformaccounting.co.uk

Epping Accountant – Transform Accounting – Essex Accountant

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Our new video on Youtube has just launched.

Take a look here.

Essex Chartered Management Accountants – Transform Accounting

Thinking of changing Accountants ? – Talk To Us – We can help you and its easier than you think – Our Web site tells you how

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Top 10 Finance Books – Crime, corruption and incompetence

No9 – Breakfast with Anglo – Simon Kelly

We all love a top 10 list.

When it comes to finance, books come in three distinct categories.

Accounting Text books – avoid like the plague!

Firstly the long, often dry and tedious text books that sometimes have to be studied to gain professional qualifications – I would advise steering well clear of these and leaving them to the accountants and lawyers who have to study them!

Personal Finance Self Help Books

Secondly, there are the personal finance self help type books that try to teach you something as quickly as possible – there are many of these but if in doubt, the dummies books are always a good place to start.

The Exposé

And finally there are my favourite category – the exposé – a book that relies on research and investigative journalism to give you the inside story. This is where the crime, corruption and incompetence comes in, with a little greed thrown in for good measure.
Read on for the countdown from number 10 to number 1.

Recommendation No9 – Breakfast with Anglo – Simon Kelly

Many UK and US readers may not be familiar with Anglo Irish bank, but in Ireland during the late 90s and 2000’s, Anglo Irish bank were the favourite of Irish property developers – borrowing short term on global markets, and lending long term to highly geared local property developers with very little collateral and lots of debt.

Simon Kelly and his father were two or Dublin’s leading property developers during the property boom, getting rich very quickly on huge borrowings finances by Anglo Irish bank. Breakfast With Anglo gives us the inside story on just how Irish property developers operated during the boom, their relationships with the banks that made it all possible, and finally what it was like to be an Irish property developer when the bubble finally burst resulting in the Irish government taking the decision for their tax payers to bail out the bankrupt Irish banks.
A highly recommended read if you want to understand just what has caused the enforced austerity in Ireland.

“Simon Kelly’s involvement in property development began when, as a computer-mad child in the 1980s, he started making spread sheets for his father, the developer Paddy Kelly. By 2008, when the Irish property market crashed, Simon and Paddy owed their creditors nearly a billion euro. In 2009, they were the first big developers to admit they were bust – and they encouraged their fellow developers to face reality in the same way. In 2010, in the pages of a national newspaper, Simon Kelly apologised for his part in the long-term damage created by the property bubble.

Until now, the story of Ireland’s property boom and bust has been told only by people on the outside. The bankers and the developers have kept quiet. Now, Simon Kelly breaks the silence with this vivid and unsparing account of how it all worked and why it went sour. He brings us to the muddy fields, humble cafés and grand dining rooms where the deals were made; he explains how it was that debt always begat more debt; and he takes us through the hitherto opaque portals of Anglo Irish Bank, the Kelly’s main lender.

In an account packed with telling and indiscreet detail, Simon Kelly makes no excuses for ending up bust. He simply shows how it happened – to him, to other developers, to the banks, and to the country. In doing so, he courageously breaks ranks with the insiders who created this disaster, and who would prefer to blame ‘international forces’, bad luck, or one another. Breakfast with Anglo is a landmark in our national accounting of the present crisis, an essential read for anyone who wants to know how we got into this mess and how we might begin to think about getting out of it.”

Accountant EppingTransform Accounting Accountant Essex

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Top 10 Finance Books – Crime, corruption and incompetence

No 10

Boomerang by Mike Lewis

We all love a top 10 list.

When it comes to finance, books come in three distinct categories.

Accounting Text books – avoid like the plague!

Firstly the long, often dry and tedious text books that sometimes have to be studied to gain professional qualifications – I would advise steering well clear of these and leaving them to the accountants and lawyers who have to study them!

Personal Finance Self Help Books

Secondly, there are the personal finance self help type books that try to teach you something as quickly as possible – there are many of these but if in doubt, the dummies books are always a good place to start.

The Exposé

And finally there are my favourite category – the exposé – a book that relies on research and investigative journalism to give you the inside story.
This is where the crime, corruption and incompetence comes in, with a little greed thrown in for good measure.
Read on for the countdown from number 10 to number 1.

Recommendation No 10 – Boomerang – Mike Lewis

Mike Lewis takes a trip around the countries at the centre of the financial crisis and attempts to explain just what happened and how the local population have been impacted. He takes us to Greece, Iceland, Ireland, Germany and California.
This book gives a totally different insight into the financial crisis, away from the CEO’s of banks, hedge fund traders and Prime ministers and is a very easy read – hence making it into our top 10 recommendations.

“Having made the U.S. financial crisis comprehensible for us all in The Big Short, Michael Lewis realised that he hadn’t begun to get grips with the full story. How exactly had it come to hit the rest of the world in the face too? Just how broke are we really?

Boomerang is a tragi-comic romp across Europe, in which Lewis gives full vent to his storytelling genius. The cheap credit that rolled across the planet between 2002 and 2008 was more than a simple financial phenomenon: it was temptation, offering entire societies the chance to reveal aspects of their characters they could not normally afford to indulge.

Icelanders wanted to stop fishing and become investment bankers.
The Greeks wanted to turn their country into a piñata stuffed with cash and allow as many citizens as possible to take a whack.
The Irish wanted to stop being Irish.
The Germans wanted to be even more German.
Michael Lewis’s investigation of bubbles across Europe is brilliantly, sadly hilarious.
He also turns a merciless eye on America: on California, the epicentre of world consumption, where we see that a final reckoning awaits the most avaricious of nations too.

This is the ultimate book of our times. It’s time to brace ourselves for impact.
And, with Michael Lewis, to laugh out loud while we’re doing it.”

Accountant OngarTransform AccountingAccountant Essex

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iMac

6 Ways to save money on Apple Products

Part 5 – Software 4 Students

For those who love becoming the owner of a new piece of technology, nothing really competes with a new purchase from Apple.

Be it an iPhone, iPod or a shiny new iMac, all are objects of desire with just one snag – the price.

Apple products are notoriously expensive, although their millions of fans feel they get value for money in the long run even if it is very painful at the time of purchase.

If you try shopping around, there are usually very retailers who will discount any Apple product, but there are a few ways that can save some money when it comes time to treat yourself.

Here is the fifth in a series of six ways to save money when making your Apple purchase. Be sure to check back for the rest of the series.

5 – Purchase Software from Software 4 Students

If you have a school or university age child, then you are eligible to purchase software for your Mac from “software 4 students” where you can take advantages of considerable discounts.

www.software4students.co.uk

This web site will require your childs name and also needs to have their school registered but most schools and universities in the UK are already registered.

Savings vary depending on the software authors, but can often be considerable.

This company serves the UK, if you are not in the UK, it is worth searching for companies offering a similar service with similar discounts.

Good Luck!

Once I have posted all 6 tips, add a comment and let me know if there are any other ways to save on Apple products that I have missed.

Accountant OngarTransform AccountingAccountant Essex

Now also on Facebook at

http://www.facebook.com/TransformAccounting

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Apple iMac

6 Ways to save money on Apple Products

Part 4 – Dont buy cables and adapters from the Apple Store

For those who love becoming the owner of a new piece of technology, nothing really competes with a new purchase from Apple.

Be it an iPhone, iPod or a shiny new iMac, all are objects of desire with just one snag – the price.

Apple products are notoriously expensive, although their millions of fans feel they get value for money in the long run even if it is very painful at the time of purchase.

If you try shopping around, there are usually very retailers who will discount any Apple product, but there are a few ways that can save some money when it comes time to treat yourself.

Here is the fourth in a series of six ways to save money when making your Apple purchase. Be sure to check back for the rest of the series.

Purchase Cables and Peripherals on line from non-Apple sources

If you need to purchase any additional items such as cables and adaptors, these will always be very (and many would say outrageously) expensive if purchased from the Apple store.

There is no doubting that the Apple store will only sell official, approved and high quality accessories but it is not uncommon to pay in the region of £30 for a cable or plug that can be purchased for just a few pounds from a retailer on Amazon or e bay.

The quality is often not the same, but very often the cheaper quality is good enough and the price saving makes this a worthwhile option.

Good Luck

Once I have posted all 6 tips, add a comment and let me know if there are any other ways to save on Apple products that I have missed.

Accountant Chelmsford Transform AccountingAccountant Essex

Now also on Facebook at

http://www.facebook.com/TransformAccounting

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Apple iMac

6 Ways to save money on Apple Products

Part 3 – buy your RAM on line

For those who love becoming the owner of a new piece of technology, nothing really competes with a new purchase from Apple.

Be it an iPhone, iPod or a shiny new iMac, all are objects of desire with just one snag – the price.

Apple products are notoriously expensive, although their millions of fans feel they get value for money in the long run even if it is very painful at the time of purchase.

If you try shopping around, there are usually very retailers who will discount any Apple product, but there are a few ways that can save some money when it comes time to treat yourself.

Here is the third in a series of 6 ways to save money when making your Apple purchase. Be sure to check back for the rest of the series.

3 – Buy an Apple computer with minimum RAM and purchase it online

Apple are quite notorious for charging very high rates for memory upgrades at the time of purchase.

It takes less than 5 minutes to upgrade the RAM memory on an iMAC, and at current prices, you could save nearly £100 if you upgrade to 16GB RAM from the standard 4GB.

RAM memory modules can be purchased from a number of on line retailers – Transform Accounting recommend “crucial.com”.

http://www.crucial.com/uk/

If you are scared of taking a screwdriver to a computer, then this money saving tip may not be for you.

To decide if this is an option for you – take a look at this demo on youtube showing how to install RAM on a 2011  iMAC

http://youtu.be/ac4b3vZg4aw

It really is very easy and even easier if you have seen someone demonstrating how to do it.
Take a look and then compare prices !

Good Luck!

Once I have posted all 6 tips, add a comment and let me know if there are any other ways to save on Apple products that I have missed.

Accountant Loughton Transform AccountingAccountant Essex

Now also on Facebook at

http://www.facebook.com/TransformAccounting

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