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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.

Advantages and Disadvantages of Using Bitcoins/ Cryptocurrencies

Bitcoin is one of the latest things in the world of digitalization. This is a computer file that is always stored in a smartphone application or a computer’s software. It is also known as the digital wallet. When you enroll in this system, you can send a Bitcoin to the wallet of other persons, and they can also send some Bitcoins to your wallet. When you do these transactions, there are no middlemen or any authority that intervenes. It is purely a peer to peer transaction. In this article, we are going to look at the advantages and disadvantages of using Bitcoins.

Advantages

  • Discretion

Unlike other traditional methods of payment, Bitcoin transactions are discrete. This means that no one can trace your transactions because they are always not linked with your personal identity. Once you do a transaction, there is an anonymous address that is generated. This address keeps on changing for every single payment that you make.

You can also use a bitcoin mixer to further enhance privacy. We recommend to check this site as they go into detail: What is a bitcoin tumbler.

  • Peer-to-peer centralized

What does the term peer to peer mean? The term implies that you can efficiently conduct transactions at the international levels without the need to require any approval from an external source. This is because the transactions are conducted on a network, and the system is designed to facilitate it.

  • Reliable payments

You do not have to worry about making physical payments through Bitcoins. This is because the system is digital; hence you can do all your transactions online. You do not need to be stressed to visit a bank for you to make your payments. If you have a network connection, then you are good to go with Bitcoins.

Disadvantages

  • Fluctuating markets

Bitcoin markets keep on changing every day. You could place your bid expecting a good return, but then the market changes, and you do not get the handsome rewards that you expected. This is the biggest challenge of cryptocurrency.

  • No Regulation

Regulation of the transactions is minimal, thus exposing you to risks of fraud. Once you experience fraud with Bitcoins, you can report nowhere for help and assistance.

What you should know about SSI payday loans

Life can be full of challenges. One of the most common challenges facing adults right now is staying finically stable. People want to live comfortably but sometimes sources of income simply do not cover their needs and wants. Taking a loan is one of the things that someone can do to help with their financial issues. However, people who do not have a steady source of income like a job and depend on government payments may think it’s difficult or even impossible to get their loan approved. Well, there is some good news. There are opportunities for them to apply for loans known as Supplemental Security Income (SSI) loans.

What are payday loans for SSI recipients?

Basically, payday loans for SSI recipients are similar to a regular loan. There are some standard documents that one would have to present like; identification, proof of residency, and an active bank account. However, with regular loans, a document showing a source of income like a copy of a monthly payslip is usually required as well. Since SSI recipients may not have a steady amount coming every month an alternative is used. This could come in the form of disability payments, social security benefits, or alimony payments. In the case where these payments may not be steady enough, one can present a bank statement that shows the about of money, the applicant has received in a given year.

How can one apply for a loan as an SSI recipient?

The first thing that needs to be done is sufficient research. Even though these options exist not all banks will approve loans for SSI recipients. These may vary by bank and can also vary from state to state. Also, it is wise to consider how good or bad your credit is.

All banks assess applicants by looking at their credit and their debt-to-income ratio. Another thing to consider is how good is the loans’ interest rates. Short terms loans are notoriously known for their high interest and annual percentage rates (APRs). In some states interest rate is known to be as much as 600% with APRs as much as 17%. The last thing you want is to take a loan on a small income only to find yourself in more debt than you started with.

When you finally have all your information the next thing is to gather the required documents. Remember an ID, proof of residence and, an active bank account is always needed. When presenting proof of income try presenting a solid account of how much money you receive. Remember even if the bank may be willing to give loans to SSI recipients they are still looking for proof that you can pay them back.

Tips for Buying a House: Getting the Best Value for Your Money

Tips for Buying a House: Getting the Best Value for Your Money

Buying a house is an exciting yet daunting experience. Owning a home comes with a heightened sense of security and freedom to customize your house according to your taste. However, the substantial financial outlay and the pressure of getting everything right can be overwhelming. Whether you are a first-time or serial house buyer, you are always aware of the need to safeguard your pockets even as you scour the market for the best deals. The following tips will help you weave through the complexities of the real estate markets and get a house that matches your money:

 

  1. Work on your finances beforehand

Put your finances in order before signing off between the dotted lines and paying a down payment. Owning a house comes with huge financial responsibilities that require adequate preparation. You will need more than just money for the down payment. From repairs to maintenance, upgrades, and inspections, there is always something to pay for around the house. Consider ticking off those debts and financial obligations from your life beforehand.

 

  1. Work with a pragmatic budget

The last thing you need is finding a house of your dreams, putting down the deposit, and then having it foreclosed because you couldn’t afford the monthly premiums. Always include the source of funds in your budget. Let your budget cover expenditures of up to six months after moving into your new home. Work with a realistic budget that reflects the realities of your income and life.

 

  1. Seek professional guidance

If you are not sure about the inner workings of the real estate industry, consider enlisting the help of professionals such as furfashionguide. Settle on an experienced and licensed to guide you throughout the process of landing your dream house. You can ask for referrals from loved ones and colleagues.

 

  1. Select the location

There is more to a dream house than just the layout, design, and decor. The location must be right. Therefore, list down your location-based preferences and work with your agent in selecting one. Remember that location also determines property prices. Visit the locations and narrow down the choices to one or two.

 

  1. Always inspect the house beforehand

Whether you are buying for a fixer upper or a newly constructed house, always inspect before purchasing. Pay for a professional to inspect the house and ensure that you understand any underlying issues.

 

  1. Involve your loved ones

Ask for the input of your children or partner when selecting a house. Including your loved ones in such an important decision will ensure that they are comfortable with the house.

 

Purchasing a house is a significant financial decision that requires careful planning and realistic budgeting. Always enlist the help of loved ones and professionals when searching for your dream house.

Work to make a difference

Work to make a difference

Work does not need be isolated from passion. Coupling vocation with a meaningful cause brings out the best in people. It enhances motivation, dedication, commitment, and a sense of achievement. Excellent reason to work for a nonprofit.

 

When coming across the term nonprofit, a mistake many people make is to assume the entity to be a small, simplified establishment such as a charity or food bank. Not all concerns exist to generate revenue. Not all are simplified or small. Some nonprofits and non-profit recruiters operate on such a large scale that they cross country and continental borders.

 

Understanding Nonprofit jobs

 

Nonprofit jobs are on the rise. When given the choice more people are opting to work for nonprofits. Nonprofits account for over 12 million jobs in the US. Modern nonprofits are fluid, well organized institutions operating in an extremely professional manner to serve their cause. The only difference is their overall aim is to serve the community rather than earn profit. They still maintain a proper organizational structure and require the same employees as a for-profit concern. Essentially counterpart nonprofit jobs exist for all careers.

 

Interesting nonprofit jobs

When selecting a nonprofit job, it is better to align the organization’s cause with one’s passion and interests. Most (over 50%) nonprofit jobs are in healthcare. Education and social services account for 14% and 12% respectively. For anyone wanting to make a difference all it takes is for them to step forward. Following are some interesting non-profit jobs that are engaging as well as satisfying.

 

Conservationists

Our world is changing. Not all for the better. Becoming a conservationist is a surefire way of contributing towards the welfare of humanity. Organizations exist for environmental, wildlife, marine as well as for human conservation. They do not just need advocates or volunteers. They need field workers, photographers, specialists, fundraising managers, volunteer coordinators, community organizers and operational staff. Some of these organizations offer competitive pay as well as exceptional benefits.

 

Zoos & Aquariums

In an increasingly aware world, zoos are no longer prisons for animals. They are advocates for conservation of wildlife and their habitat. Increasingly zoos and aquariums are run on nonprofit basis with proceeds contributed towards conservationism. Working for a zoo can be fun, engaging and rewarding.

 

Religious Institutions

Churches, Mosques, Synagogues, temples all require staff. For those who cherish spiritual wellbeing, working for a religious institution is a great way to serve their faith, their spirituality as well as their community.

 

Community Setups

Charity begins at home. Your local community offers plenty of opportunities at the local charities, animal shelters, foodbanks, soup kitchens, social advocacy set ups, coaching and mentoring programs. Working for local nonprofits helps establishing you as a responsible community member.

 

Museums

Most museums operate to enhance public awareness regarding their heritage. Most are nonprofits. Whether you have an interest in art, history, science, or culture, working for a museum is a great way to relate your hobbies, interests, and passion with your work.

 

Healthcare

Nonprofit healthcare jobs do not exist for only doctors and nurses. For instance, Johns Hopkins Program for International Education in Gynecology and Obstetrics has local establishments in all countries they operate in. They require managers, coordinators, IT departments etc. and all these individuals come together to make a difference.

 

Nonprofit jobs sometimes do pay less. They may or may not have a career ladder. But they usually come with great benefits. More importantly, the work is rewarding and contributes towards self-actualization.

Everything you need to know about car insurance

Everything you need to know about car insurance

Many People often think that can insurance is wasting money that will never be recovered. The truth is insurance companies such as Money Expert will walk with you throughout your car lifetime and ensure that you are compensated adequately when an accident happens or damage. Losing your car is a very tough moment considering the costs of buying a new one but having a guaranteed that you can be taken back to your position before the damage is more satisfying. Many insurance companies offer the services but getting the one suited for your car is explicitly the best move you can ever make.

How to compare various insurance providers

Companies like moneyexpert.com car insurance will ensure that you get the best offer for your car and benefit from the following.

  • Cheaper insurance for your car
  • Insurance company trusted by many clients
  • Broad market comparison for different providers

The company will request only some information about you, and you will be able to get over 100 insurance providers. A more straightforward comparison will be made to determine the best for you. The following are the main details that are required to complete the comparison

address, occupation, and age.

Make, model, and the year of your car

Your driving history which can significantly reduce your quote

Drivers you want to be added to the policy

Specific use of the car

Here are some of the tips to get a cheap car insurance policy

Pay upfront. This will result in the cover being cheaper as there are no finance arrangements made.

Build up your no claim discount. Ensure that you limit your claims as they will decrease your premiums.

Improve your security. Some features to your car will decrease your premiums

Ensure you drive for a few miles. Ensuring that you go a few miles will decrease your cover policy price.

Increasing your voluntary excess will result in lower premiums

Choosing the right cover for yourself

Comprehensive car insurance

This is the highest cove of all the car covers, ensuring that you will be compensated if your car is damaged or wrecked, stolen, or catches fire, including the medical expenses. Every comprehensive car insurance is very different from other types, and you should check into details all the items that are covered.

Third-party theft and fire

The cover extends the damages extended to another party, their vehicle, or their property where you cause the damage. The cover includes only theft and damage done, and this does not extend to paying your medical bills.

Third-party insurance

This is an essential requirement to drive a car in the U.K. Third-party covers the cheapest insurance for cars offered by an insurance company. The cover only involves damages to other people’s vehicles or property and not your car.

Even Small Offenses Need A Good Defense: Hiring An Expert Criminal Solicitor in Sydney

Even Small Offenses Need A Good Defense: Hiring An Expert Criminal Solicitor in Sydney

The term “criminal offence” can range anywhere from some common traffic offences to major crimes like murder, but the one thing they all have in common is this: You need an experienced professional to represent and defend you. Some people think they can defend themselves, and legally that is indeed their right. But you wouldn’t let an amateur do your job without your experience, training, and savvy, so why would you put your fate in the hands of the amateur lawyer that is you?

There’s more to knowing the law and working as a top notch criminal solicitor in Australia than just having gone to University and been accepted to the Bar. We’ve all seen fictional trials on television where dapper lawyers quote cases and make witty remarks that impress judges, but in real life the successful defence of your case may rely on understanding the procedure, when and when not to file paperwork or ask questions, and knowing the judges, the clerks, and the system in a way that only long term experience gives anyone in any job.

Think about it: If you needed surgery that might be life threatening (and many criminal cases can lead to prison which will permanently change your life, too) would you choose a doctor who’d done ten similar operations or the one who’d done hundreds of the exact same kind and had a track record of healthy patients? Choosing the right lawyer in a criminal matter, even one that is as seemingly trivial as a traffic offence, can make the difference between freedom and prison, and no matter the fee, having an expert on your side certainly will save you money in the long run as well.

Remember, being convicted of a criminal offence can not only cost you jail time or fines. It can cost you your reputation, your job, your relationships, and more. Having a serious, scrupulous, and savvy solicitor there to guide your case, protect you from the charges and, perhaps most importantly, protect you from yourself and the errors or statements you’ll make without their firm, friendly hand there saying “Hold on. Let me do the talking. That’s what you’re paying me for” makes all the difference in the world.

So do your research. Check out the lawyers available to you. Ask around with family, friends, and on social media or the web, e.g. criminal solicitor Sydney. Find somebody with experience and then meet up and be sure to see if putting your future fate in that lawyer’s hands feels right. You need a rapport and a sense that your confidentiality is respected and that your best interests will be paramount in that lawyer’s mind and actions on your behalf.

Don’t do it yourself. Get a professional and win your case. They know what they’re doing.

Bonus: You should check out this documentary on youtube that covers several criminal cases. While it’s not handling Australian cases, it is still a great way to get a glimpse into the world of criminal law:

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.