Advanced Payroll Funding
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Antonio Said:
How 2 create a control mechanism to protect mismanagement of fund by director who have the right to sign checkWe Answered:
I work for a bank in North America, so I can give you a little information as to what our clients do.-- Many companies do their payroll as a direct deposit into their employees's bank accounts. That way, the money goes in to the employee's account electronically, and there is no cheque involved. The work can be done over the computer, and the information is saved in the payroll program. You can also generate reports using the program, as well.
-- Some companies also have what we call a "Two To Sign" rule, meaning that you and one of your brothers would EACH have to sign a cheque that was issued. This means that every cheque that you write would have to have two signatures on it, or it wouldn't be any good. It also means that, if one brother were to decide to embezzle funds or cheat the business, he'd have a more difficult time because any cheque that he issued would have to be authorized by another brother. Making sure that two people sign the cheques ensures that at least two brothers always know what is going on.
-- You could also enlist the help of a third-part payroll and bookkeeping company. They would prepare all the cheques as required, and bring them to an authorized person or persons to be signed. Any cheque you would want issued would have to have supporting paperwork. No legitimate paperwork -- no cheque.
Those are just a few ideas. Best of luck to you!
Carrie Said:
403b, IRA, Roth IRA?! Help! I work for a non-profit and we currently don't have a retirement plan.?We Answered:
If you choose a Roth, you will not be able to deduct the contributions. If you have a home interest deduction you are probably in a pretty low tax bracket (25%?fed/state). This might make the Roth the most beneficial. You would pay $1250 in tax today, but if it were to quadruple in 30 years (make 7.2% yr over year) you'd pay no tax when you took it out. And I'm betting tax rates will be higher in 30 years.When looking at investment options, most people will direct you to look at mutual funds etc. I want to also suggest you look into Annuities because they guarantee you won't lose your principal investment, may bonus you for depositing into the account, and some pay very high rates of return.
John Said:
Why did it take O'Bama 17 minutes and 2,500 words to answer this question from a woman in Charlotte, NC?We Answered:
Obama's answer to Doris' question reflects his dual commitment to providing health care for her and easing her tax burden. He is systemically and singlehandedly boring Doris to death, which not reduces her need for government-run health care, it also lowers her taxes because she won't be around to pay them anymore.(Great article. Thanks for posting.)
Carolyn Said:
How about a FairTax that would solve all of our problems?We Answered:
The problem is that those receiving their checks from the government don't want fair or equality. Personally I love the fair tax idea since it gives me all of the power. If I disagree with policies I can choose to not buy anything and thereby eliminate most of any taxes I would otherwise be paying.Zachary Said:
Expeirienced programers, Excel, VB, or anything, I need help!?We Answered:
As you now well know, sharing a spreadsheet with more than a few people becomes complicated and cumbersome, no matter how many document management conventions and controls are enacted.Your problem is readily solved by a relational database backend and operated through a web server interface. A basic system can be finished inexpensively from a framework such as drupal, and your existing data easily imported into the new system. The systems can run in parallel until confidence in the new is adequate.
The choice of technology greatly affects the programming culture and future expandability. Many businesses use Microsoft SQL server plus .NET for the inexpensive, just-out-of-college programmers who know it.
An entirely different culture exists around LAMP, an acronym for Linux/Apache/MySQL/PHP, which has experienced engineers. They might charge more per hour, but many fewer hours are needed for successful completion.