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THE RADFORD RAMS

Radford RAMS accountancy was established in 2003 and since then, it has provided many small and large ventures with best accounting consultancy.

About Us

Welcome to Radford Revenue
Accounting Management

Welcome! Radford Revenue Accounting Management has established with the sole purpose of providing effective and efficient assistance when it comes to handling any sort of company’s accounting matters. Radford Revenue Accounting Management was established in 2003 and since then, it has provided many small and large ventures with best accounting consultancy.

Applying For An Easy Loan

Applying For An Easy Loan

If you have decided to apply for an easy loan versus a loan from a traditional lending institution, there are some things you definitely need to be aware of before you sign on that dotted line.

This is because, if you do not pay special attention to every aspect of that easy loan agreement, it could end up costing you far more money than you expect.

Does the interest rate remain the same? — While easy loans NZ will already have a high interest rate, some even increase the interest rate they charge as the loan term progresses.

Make sure you know what your interest rate will be throughout the entire term of the loan, and do not sign up for an easy loan that has an increasing rate.

Do you understand all the fees? — Have the account executive you are dealing with walk you through every fee you will have to pay for that easy loan, and under every scenario.

Otherwise, you could end up paying hidden fees you did not know were included in your loan, and these hidden fees can be exceptionally high.

Are there penalties for paying a loan early? — One of the big ways companies offering easy loans charge you hidden fees is by applying penalties to anyone that pays their loan off early.

This means you need to be sure you will not be suddenly handed a bill for several hundred dollars, simply because you paid off your easy loan a month earlier than you had planned. Never sign up with a company that makes you pay a penalty for an early loan payment.

Are payments due every month or every week? — Some companies offering easy loans also allow you to pay weekly instead of monthly. While this may seem a good idea if the thought of a high monthly payment seems daunting, this is actually the worst way to pay off a loan.

Companies love adding weekly repayment plans, as this adds many more dates during the year where you may miss a repayment deadline. Every time you do, you will have to pay a penalty, giving even more money to the company that gave you the loan.

Longer time periods to pay off loans — While being able to pay off a loan over a longer period of time means you will also end up paying more money in interest, if you are not absolutely sure you can pay a shorter loan with a higher monthly repayment amount, this is the way to go.

After all, if you do take a loan out over a shorter period of time and then miss a payment, the penalty you will have to pay could be as much as your monthly payment.

Err on the side of ease when it comes to repaying an easy loan, as you can always pay it off faster if you like. As long as there is not a penalty for doing so, of course.

How to Catch Donations for a Non-Profit

How to Catch Donations for a Non-Profit

So here in this quick article I’m going to brief over a few quick and easy ways to raise a bit of money through donations for a Non-Profit organization. Be it one you run or one you are passionate about/work for, these tips should help you successfully raise some funds for said organization. These are just a few basic tips and they aren’t the only ways to go about doing this, so feel free to get creative or branch off with these ideas and create your own.

 

First of all, you need to decide on what you’re raising money for and make it clear to the people you’re asking donations from how it will benefit those in need. You can’t just roll up on random people and not have a clear story or message and then ask for money.

 

Second, utilize your social network. Use the internet, people you know in real life, friends, family, community organizations. If they’re someone you trust and talk to often then they’ll most likely have no problem helping you and others out.

 

Third, make sure you’re going after the right audience. If the people you’re asking donations from don’t care about the message you’re putting out, then you’ll never collect anything. Make sure your target demographic cares about the issue at hand and has the means to help.

 

Fourth, stay positive! Although it can get disheartening at times, you’re doing this for a good cause. You aren’t benefiting off of this and you’re only doing it to help others in need. It can be easy to give up on something that doesn’t seem to be making a difference but always keep in mind that if one person is effected by your actions, then it wasn’t in vain.

 

Fifth, show the people who helped with your cause what kind of results they helped produce. If someones life has changed thanks to their actions, show them so they might continue to help out in future fundraising opportunities. Maybe it’ll not only change your own perspective on the positivity of humanity but it might help them stay optomistic and become active in changing others lives on a regular basis.

 

And last, always give thanks. Being grateful is the biggest part of all of this. Showing that you’re thankful for said donations will help drive others to help with any future fundraising activities you might have. Being grateful and thankful is the key to humility and something we all should practice each and every day. Just make sure you have a great fundraising software to keep track of everything.

 

So now that you have the right mindset, don’t hold back. Go out and help the world. Raise funds for whatever non-profit you support in the hopes that you can change one life today. Thanks for reading and have a great day!

The State of Oregon Will Assist Any Resident In Obtaining An EIN Number

The State of Oregon Will Assist Any Resident In Obtaining An EIN Number

Entrepreneurs Are Beginning To Shine

On the daily, there are potential entrepreneurs interested in learning how to start a business. In the state of Oregon, there are a few choices which will help further the search to start a business. Particularly, an ein number can be obtained with a small amount of effort. Certainly, it’s worth the effort and time to help your dreams of ownership come true.

The Search Begins

A quick and easy way to file for an ein number is online. Believe it or not, the IRS has a page dedicated to the state of Oregon to help the pursuit of a business number. In turn, the potential business owner simply fills out a form online that will give the IRS the name of your business, your address, and telephone number. Also, it will ask you if you have a Dun and Bradstreet number which will help you with business credit and loans. As a matter of fact, as soon as the form is completed, it can be submitted to the IRS. Within minutes, the potential business owner will be an official entrepreneur. Afterward, you can print out the information obtained with your new ein number on file at the IRS.

The State Will Help You

Regardless of the where you stay in the state of Oregon, you can take a trip to the local state office. Assuming that you have your identification with you, there will be an agent there to fill out the form for you. Indeed, in some cases, you will have to pay a fee for their assistance, but it is not a ridiculous amount of money. Henceforth, it is a great opportunity for you to know that your paperwork is correct and for you to be able to ask any questions pertaining to business. Identically, there are pamphlets and information available that you can take home with you directly out of the office. Generally speaking, it may help you feel at ease to have a professional review your paperwork with you before you submit it. In this case, you will have to mail in all your forms. Of course, you will have to pay for the stamps and envelop, however, you will feel accomplished once it is done.

The Small Business Association Assists New Potential Business Owners

In spite of other places, the Small Business Association offers additional help to those who want to own a business. A lot of times, the SBA expects you to have certain criteria done prior to filing. By implementing a business plan, you can obtain the filing there. In reality, the SBA offers loans to new businesses. Furthermore, this is a great way to start off. Without a doubt, you will be in their system, and they will send emails and letters regarding any new information about obtaining a loan. Through their services, the filing is free of charge. Increasingly, you will have a chance to obtain a great business ethic by following directions after filing for your ein number. Most important of all, the SBA can also help you receive your ein number right on the spot.

More information: How to apply for an oregon tax id.

A Guide To Online Loans With Quick Funding

A Guide To Online Loans With Quick Funding

Online loans that are funded quickly are often the most important financial tools you may use. Loans with online applications and quick processing save quite a lot of time, and they take you out of the limbo of waiting for a decision. There are quite a few things that you must keep in mind when applying for one of these loans, and this article carefully details what to do when you need extra cash.

 

Be Honest On The Application

 

You must be honest on your application because the company knows how to check everything you have written down. You must use current financial information to complete your application, and you find that the application may be submitted instantly. The company sends a receipt to your email, and you may be notified the same day. You are not obligated to take a loan approval. You may choose to accept a loan after applying to a few different places.

 

Check Their Credit Rating

 

You may check the credit rating for the company online before accepting their loan, and you may find customer service reviews online that are quite helpful in the decision-making process. A company with poor reviews is not a good match for anyone, and you must ensure that you have asked the company questions about how they service their loans before signing.

 

Check Their Rates

 

Companies with good credit ratings often have good rates because they need not pass on their costs to their customers. You must ensure that you have spoken to the company about what their lowest rates are, and you may ask for a rate that was designed for someone who does your job including teaching, military service, or public service.

 

You may receive a senior citizens rate, or you may find a studen rate that is more affordable. The rates are only one part of the process as you must ask the company for a repayment schedule that suits your needs.

 

Repayment

 

Repayment for your loan is quite important because you must be on a schedule that you are capable of maintaining. You may ask the company for a longer repayment schedule, or you may use the repayment schedule to expedite the payment of the loan. It is wise for you to use the repayment of the loan as a financial tool, and you may ask for refinancing if you ever wish to take out more money.

 

Someone who has negotiated the repayment schedule on the loan will save money over the course of time, and you may refinance to drop your rates at any time. The payment schedule may change often if you have differing financial needs, and you may contact the company if there is an issue with repaying your loan as it is currently constructed. A quick loan has a few moving parts you must check, and going through the steps in this article ensures that you get a loan that is truly easy to use.