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.

How To Choose The Right Bank For Your Business Needs

How To Choose The Right Bank For Your Business Needs

Choosing the right bank for your business is very important. To decide which is the right bank for your needs there are several things you should consider. Rather than let the decision making process overwhelm you, here are some of the most important things you should look at when selecting the best banking institution for your business.

  1. Size matters.

The size of the bank you choose can make a dramatic difference in the number, kind and quality of services you receive. While a large national bank may have more branches, resources and service options, sometimes a smaller, community bank may be more willing to give you the kind of personalized attention you need to grow your business. Some people find large, national banks to be cold and impersonal and smaller banks more responsive to their needs. Consider whether the vast resources large banks can offer is more important than the comfort level you may feel with a smaller bank.

  1. The Status Of Your Credit

If you have less than stellar credit, it may be difficult to open a business account with a large bank. Large banks often have stricter rules and a larger pool of customers from which to choose. Some smaller banks may be more flexible in their credit requirements. But they may not have the resources to give you what you need.

Find out about the credit requirements of the banks you are considering and see for which one you qualify. Let that help to inform your choice of bank for your business.

  1. Location

The proximity of the bank to your business or your customers is important. Consider how often you need to make deposits and withdrawals, get bank-issued certified checks and other services that require you to go into a bank branch. Weigh that against your need to have access to your bank as you travel regionally or nationally. That can help you decide on the bank that best meets your needs.

  1. Your Digital Needs

The technology choices a bank offers can be vital to your business needs. Being able to do transfers or make deposits using your cellphone or laptop, or having access to online banking or other digital options can be pivotal to the success of your business. Find out about the technological options and digital platforms a bank offers and match it to your needs before choosing a bank with which to open a business account.

You should also consider if a bank is an SBA lender and has the business-banking products and services you need. Look at the type of perks and support it offers and if you feel comfortable doing business with them. You don’t have to stay with the first bank you choose forever. Start with one you trust and make the necessary changes as your business grows.

Global Markets Refueled by the Demand for Gold

Global Markets Refueled by the Demand for Gold

When it comes to reliable investments, gold is the king of long term profitability. Not only is gold still valuable in the trade market, it’s the only commodity that continually appreciates in value. In terms of fluctuations, gold prices remain steady, even when annual demand drops. In the current investment market, there’s a renewed interest in Chinese and Indian jewelry. These global markets are expected to refuel the demand for gold in 2017. China and India together account for 60% of the market for gold jewelry. This is despite an increase in the amount of taxation on gold imports from India. India also eliminated large denominations. To combat this, investors turn to gold jewelry for asset protection. This is in addition to a drastic decline in Chinese consumer confidence in the latter half of 2016. However, in the opening quarter of 2017, there was an average increase of 20-25% in gold jewelry purchases.

What Makes Gold A Good Investment Option

When there’s a decrease in global demand for other commodities; investors will instead pour money into a stock they can trust. Thus far, gold is that stock. From a trading standpoint, it makes sense to invest in a stock with the potential to uptrend. Even when gold stock prices fall, the following quarter always sees a rebound effect. Regular commodities and open market stocks can’t say the same. During unexpected and predicted downturns in the economy, they take a battering in long term positioning on the S&P 500. So, even when experts predict a fall in the Dow, the price of common stocks fall in value. Negative stock market downswings never cause a decline in gold prices. Presently, gold prices are on the rise, with China and India leading the way. Together, these are the two largest areas for the annual demand for gold jewelry, with other global regions accounting for the remaining 40%.

Gold Retains Its Value

What makes gold a good investment option, is the fact that it retains its value for the long haul, continually outperforming other commodities in a bear market. As soon as there’s a price increase, gold can be quickly sold and liquidated into cash. Even when gold declines as a traded commodity, the value remains the same as a precious metal. So it can be said that the stock price of gold does not affect its value. Whenever there are inflationary changes in the stock market, the value of gold actually rises, because investors turn to gold for commodity protection. Although gold is priced in dollars, the value isn’t diminished by outside factors such as inflation or a decline in the US Dollar. So, as a portfolio addition, gold is a solid investment choice even if you use a third-party bullion storage, because it will always perform well as a globally demanded commodity.

What are High Yield Real Estate Investments?

What are High Yield Real Estate Investments?

People who are new to the real estate investment market must know some key factors about this type of investment. One of the most important aspects of investing is knowing how much a particular venture will yield. When it comes to the property market, people often ask what is high yield real estate investment. The following information will explain this concept in detail.

Real Estate Investment Trusts

Real Estate Investment Trusts or REITs is a primary method that people use to invest in property. Companies that manage REITs either owns or finances outside real estate property development. They typically focus their efforts on backing properties that they know are going to produce a profit.

Places such as shopping centers, grocery stores and even discount product retail centers are commonly funded by these organizations. Once these retail outlets are up and running they will usually give a return on their investment back to investors.

REITs are high yielding investment opportunities because the money producing organizations that they fund have already been proven successful. So, these newer establishments use the same models for success as well.

As a result, they will start to generate a profit for investors shortly after they are up and running. REITs are just a solid investment for any person wanting to invest within this type of property.

Residential Housing

Residential housing provides another great opportunity for investors. While this type of investment is high yielding it can also be risky. Residential home investors can risk their money in a wide variety of areas within this type of market. The residential market is very unstable because people’s living patterns and financial situations are always changing.

Single family dwellings, apartment buildings and condos are just some of the many different opportunities for investors to risk their money. The reason why this type of investment provides such a great return has to do with the demand for housing.

People are always going to need a place to live. Even if the market is bad. An investor should figure out where the most people are locating to when they invest and then try to push their investment funds into that direction.

While this is not always an easy thing to do and the competition for these investment areas is ferocious; investors can still earn high yields if they are positioned within the right market. Residential investing can be tricky and deceptive but a person can make receive great returns just by knowing how to navigate this market.

Real Estate ETFs

Electronically Traded Funds or ETFs are commonly used by companies to trade shares or funds within their company. Real estate ETFs are used for the same purpose. Companies will offer shares to the public in return for their investment dollars. They will then use this money to create profitable properties which they will use to pay back investors.

Real estate ETFs are reliable because most companies that trade real estate ETFs make it a point to create profitable commercial and business properties. This way they can definitely payback their investors.

Keep in mind that these are some of the real estate investment opportunities that provide the highest yield. There are many more and a good investor will take the time to figure out what type works best for them and their situation.

Accountancy Services

Accountancy Services

Radford Revenue Accounting Management covers a wide range of business and accountancy services in order to provide a complete support solution to its clients. Our commitments along with professional approach by our advisors ensure that we have the client’s requisite covered fully.

Company Formation

Formation of a company involves a great list of aspects to be covered so as to function with ethical and legal practices. We can assist with the incorporation of a new partnership or new limited companies with limited liability. Company formation includes proper submission with necessary documents along with bank account applications, a registered office address, proper annual return forms, registration of VAT, formulating cash flows along with business plans.

Taxation Advice

Our specialist will assist you in structuring your organization with best taxation advice so as to make the most of the available tax allowances so that your business could flourish at a faster pace while keeping a minimum of your tax liabilities.

Tax Returns

Tax Returns filing is one of the most important and crucial phases for any organization. But our specialists can handle it with ease. They are well versed in completing tax return forms and filing them to the tax authority. This tax return includes income and personal tax returns, as well as corporation and partnership tax returns.

VAT

No part of the financial legislation is complete without filing VAT and there is no doubt in this that this is the most complex part of them all. Our team of experts will help you in breaking things down and making you understand it in the best possible way so that filing of VAT could be done with mutual consent. As our experts are well versed with the VAT system and its legislations, they can assist you the best in planning ideas for VAT and claiming exemptions in order to improve cash flows.

Accounts Preparation

We can also assist in preparing your annual accounts to be it for a limited company, sole trader or is the business is of partnership in nature or even for limited liability partnership. We can also assist in the preparation of management accounts so that you are able to view how your business has performed during or after the financial year.

Payroll Preparation

Providing your employees with monthly remuneration on time can get tricky for companies at times. And for that, companies have to hire proper staff so that things could go smoothly. We can take up all the hustle and can prepare payroll on a weekly or monthly basis. When it comes to payroll preparation, our services include, proper generation of payslips, accurate calculation of remuneration for which the employee is entitled to that week or month and proper calculation of leaves for anyone who avails them.

Corporate and Personal Finance

Corporate and Personal Finance

Maintaining accounts and doing proper bookkeeping is not all for any company. One of the major things to look into is the corporate financial structure of that company. Any organization, either small or large, cannot be established effective until its corporate finance aspect is defined well. This does not only help in the formation of that company but also the future aspect of that company, like increasing its shareholders’ value or increasing the company’s value itself, depends on the corporate finance structure that has been defined now.

This is where Radford Revenue Accounting Management provide the best possible structure so that the organization could have a well-defined base to start its operations now and to have an increasing trend in its value in the future as well. We can assist you in planning, both short-term and long-term needs of your business, doing an extensive evaluation of your assets, tackling financial promotions, taking the best decision when it comes to capital market, sketching out well-defined business or financial plans and giving you the right growth strategy in relation to your industry trends.

We believe that the key to a successful operation and relation lies in extended support. Which is why our services do not end just here, experts in our team are also experienced enough to guide you in your personal financing matters as well. Be it budgeting, mortgage planning or having a well-thought retirement plan, we can cover all that and can provide you with the best advice with

Company Taxation

Company Taxation

Companies, irrespective of their size, formation type and turnover, are bounded legally to pay corporate tax from their earned profits. This is done to have a balanced environment and so that the company should also know their responsibilities towards government and communities from which they are earning their profits. Like many other important aspects covered by Radford Revenue Accounting Management, providing the best company taxation practices in accordance with the tax authorities is what we consider our core competency. Our team of expert tax advisors can provide the assurance of delivering the most authoritative advice and will also guide you properly on all matters that are related to company tax. Our team is not only well versed in tackling the company tax matters but is also updated with the latest happenings from tax authorities in this matter. This helps them to take the utmost decision in the best interest of the company so that they could make the most out of it.

Our advisory services for corporations has always kept a keen eye on every single stage of company’s life cycle so that no opportunity or no such aspect should be left that could either provide a benefit or do harm to the company. Whether it’s a start-up, disposal or acquisition of any venture or asset, moving towards growth or investments and / or raising funds, every aspect is looked upon carefully and decisions are taken accordingly to benefit the organization. In doing so, we also take extra caution to maintain legal standards.