February 2022


Visit Slick Cash Loan and get the best payday loan offer online

Although there is no exact definition of the term payday loans, it is generally a high-cost, short-term loan, usually for $500 or less, that is usually due on your next payday. Depending on the laws in your state, payday loans may be available through local or online merchant lenders. Although it is a short-term, expensive loan, you could get the best offer from slick cash loan. We recommend choosing the best financial institution to apply for a payday loan, as most of the organizations are frauds. 

Get to know why it is expensive

While payday loans can provide much-needed emergency cash, there are dangers you should be aware of, right.

High Annual Percentage Rates

Let us say you take out a $500 loan for two weeks that charges $15 in fees for every $100 you borrow. If this were expressed as an annual percentage rate, those surcharges would convert to an APR of nearly 400%.

Short-term terms

Typically, you have to pay off a payday loan within two to four weeks of the initial loan. Check the regulations of the state where you live as they differ from state to state.

Additional costs

If you cannot repay the loan within a short period, additional fees may be added on top of the initial loan charge. Those costs start to add up if you keep rolling over the debt or if you keep borrowing. Nearly a quarter of initial payday loans continue to renew nine or more times. Some of those surcharges may include –

  • An insufficient funds fee: if you do not have enough money available in your bank account when the lender tries to cash your check or tries to make an electronic withdrawal from your account.
  • Late fees: it is when you do not make your payments on time.
  • Refinance fees: it is charged on top of the original loan and the initial charge when the borrower wants to postpone the loan’s due date.

Does not generate credit

People with poor credit may not have access to loans with better terms. However, payday loan lenders typically do not report your credit history to credit bureaus, which means payday loans do not help you build credit.

How do payday loans work?

Payday loans may have different names — cash advance loans, deferred deposit loans, or online payday loans — but they all work more or less the same way. To apply for a payday loan, you may need to write a postdated check made out to the lender for the full amount, plus any other fees or charges. Alternatively, you can authorize the lender to withdraw money from your checking account electronically. The lender then gives you the cash. The loan is normally due on your next payday, which can usually be in two to four weeks. If you do not pay the loan and finance charges by the due date, the lender may cash your check or charge your bank account electronically. Many of the states that allow this type of loan limit the amount that can be lent and the accompanying fees. 

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What Kind of Insurance Does a Wedding Planner Need?

One of the questions that you may be asking yourself is what kind of insurance does a wedding planner really need. You may be working out of your home, but you do not want to be left with no protection if you lose your business property. There are many types of insurance that a wedding planner needs, so you should be prepared to pay a high premium for the appropriate coverage. However, there are some things that you can do to reduce the costs and still get adequate coverage.

Business property insurance covers all the equipment and furniture used in your office. It protects your files and computers. It also covers your movable business property and your clients’ properties. Many insurance policies for wedding planners include general liability and commercial property coverage, which protects you against lawsuits and investigations from third parties. Depending on your location, you may need to obtain separate flood and earthquake insurance. It is important to understand the terms of the policy.

Business property insurance is crucial for wedding planners. This type of insurance covers office equipment, files, and computers, as well as other property. It also covers damage caused by fire, smoke, vandalism, and other hazards. While a homeowners insurance policy usually covers these items, a wedding planner may need separate coverage for earthquakes and floods. Choosing the right policy will help protect your business and ensure that your business continues to run smoothly.

The type of insurance a wedding planner needs depends on the type of services they offer. For example, you might use a car to transport items, such as photos and other supplies. You should consider purchasing inland marine insurance to protect your movable business property. Moreover, this policy will cover your client’s property. It will also provide protection for your personal belongings. It will be beneficial for you to hire a licensed independent agent.

A wedding planner should carry a business property insurance. This type of insurance will cover the expenses incurred by the wedding planner during the planning process. It also protects the equipment and files used by the wedding planner. It also covers the items of other vendors. It covers damage caused by vandalism and fire. A homeowner’s policy does not cover business property inside the home. If you use your home for a home office, you should purchase separate policies for earthquakes and floods.

A wedding planner should also consider getting professional liability insurance. This type of insurance protects your office equipment, files, and other assets. It is important to protect your business assets against lawsuits and damage if a third-party claims that you are responsible for a mistake. It also protects you against damages from the unforeseen. It is important to remember that insurance is a business expense and should be considered when assessing the risks of a business.

Apart from a personal policy, a wedding planner must have business property insurance. This type of insurance will cover the assets of a wedding planner. It will protect the files, computers, and other office equipment. It will also protect the client’s property. If you have an office in your home, it will be necessary to get a separate policy for earthquakes and floods. This is not an easy task, but it will be worth the money in the long run.

The first type of insurance a wedding planner should have is liability insurance. This will protect the wedding planner’s office equipment, files, computers, smartphones, and other business property. It will also cover your home in the event of a fire or a flood, among other things. In addition to liability, wedding planners should also have commercial property insurance. It will cover any equipment that a wedding planner uses to work for their clients.

Other than business property insurance, a wedding planner should also have professional liability insurance. This will protect the property of the wedding planner. It will protect the equipment and files of the wedding venue. It will also protect the personal belongings of the client. It will also cover the rented space, such as the reception hall. It is important to keep in mind that the cost of liability insurance varies. You should also obtain at least three quotes before making a decision.

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Cybercrimes are being used to launder organized crime money

Cybercrime has been on the rise for the past two decades. The anonymity that the Internet creates, along with its global reach, provides online scammers with the ability to enhance and expand their schemes. As the Internet grew, Cybercrime evolved alongside it, allowing criminals to access and dominate poorly regulated industries like cryptocurrency, binary options, forex, and other investment and trading vehicles. Communication has never been easier. VPNs, encrypted messages, private rooms, and even video games allow criminals to correspond, plan, coordinate, and carry out fraudulent transactions on an international scale.

Internet fraud saw a sharp uptick worldwide since the pandemic hit as more people flooded to their computer screens and moved away from physical meetings. Arkose Labs reported over 1.1 billion fraud cases at the beginning of 2020 alone, nearly double the volume recorded in the first half of 2020. According to this report, nearly 39% of Europeans have experienced some type of Internet money fraud in the past 2 years, and an FBI report records that Internet-enabled crime is up 69%.

Yukom communications

Sitting at the center of this epidemic are illegal organizations masquerading as legal companies, while in reality stealing their customer’s hard-earned money. Online trading platforms are somewhat infamous for their predatory practices. While not all trading platforms outright rob investors, a great deal of them has scammed a total of billions of dollars out of unknowing customers. The story of the wolves of Tel Aviv and Yukom communications come to mind, and the most dangerous of these fraudulent trading platforms still operate.

Avi Itzkovich and Jack Wygodsky

Avi Iztcovich and Jack Wygodsky, owners of Mercure Media and the masterminds behind the boiler rooms in Bulgaria Sofia, North Macedonia, and Israel are two of the most notorious scammers in the industry with known connections to organized crime families both in Israel and Bulgaria. They kept their operations afloat even after the first arrests of forex and binary options scammers began in 2018. They have been connected to LibraMarket, UproFX, and a long list of unregulated, fraudulent options platforms that have been outed and banned.

Itzkovich, Wygodsky, and their co-conspirators switched between platforms frequently, abandoning burnt businesses and propping up fresh ones. Exploiting the modern social media platforms and search engine ads, their boiler room reeled in fresh investors with promises of high yield on their Cryptocurrency, Forex, and Binary Options trades and investments.

Once a client deposited money, they kept them hooked with bonuses, upsells, “professional” personalized traders, and other “lucrative” offers. They manipulated trades on their back end to ensure the platforms profited regardless of the actual situation.

They also relied heavily on cold-selling tactics and called up thousands upon thousands of people using phone number spoofers and a false name and identity to build trust. Their reach extended throughout Europe and beyond, and their fraudulent platforms exploited people from Spain, Germany, Israel, the United States, the UK, Macedonia, Bulgaria, Australia, and other countries.

Europol, Eurojust, the FBI, and a joint task force of international law enforcement agencies have been hunting these scammers aggressively, leveraging the same resources they used to proliferate and cheat investors: the Internet.

Jack Wygodsky remains on the run

Avi Itzcovich, along with ten other members of his gang, was captured during a raid carried out on May 11, 2021. Several locations worldwide were hit simultaneously, and property, electronics, and $2.4 million in cash were seized. His partner in crime, Jack Wygodsky, remains on the run and is wanted by several law enforcement agencies in various countries.

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The tasks reserved for your company secretary! 

A company secretary is countable for several tasks in a firm. The tasks are done regularly and the secretary only is accountable for those tasks are classified as Routine Secretarial Services. The secretary will be the central administrator in charge of several administrative and reporting duties. He will assist with the provisions such as the filing of annual returns, recording, and filing of board resolutions as well as other corporate compliance matters with ACRA.

In addition to regulating and ensuring compliance with pertinent legal regulations, a competent company secretary in Singapore like the company incorporation service provided by Heysara who support the Company Secretarial Services moreover has the following responsibilities:-

Board Meetings

Co-coordinating the procedure of the company’s legal decision-making and documenting machinery; developing meeting plans with the chairman or the chief executive; attending meetings, taking minutes; maintaining minute books; and ensuring that correct procedure are followed.

General Meetings

Originating and obtaining internal and external agreement to all documentation for circulation to shareholders; co-coordinating the administration and attending of conferences, taking minutes, and assuring that exact protocol is followed.

Company Constitution

Assuring that the company acknowledges its constitution and drafting/incorporating modifications following exact protocols.

Maintaining Statutory Registers and Books:-

Statutory Returns

Updating ACRA on:-

  • any differences in the directors of a firm or attributes associated with the director(s)
  • modifications to a directors name or residential address
  • disposal from office in accord with the Singapore Companies Act or the constitution
  • disqualification from clasping office
  • appointments/resignations/deaths
  • annual return
  • modification of company name
  • adoption, substitution, and cancellation of a constitution
  • topic of shares
  • any other modifications that need updating with ACRA

Report and Accounts

Organizing the publication and distribution of the firm’s annual report, accounts, and interim announcement, and the preparation of the directors’ summary.

Share Registration

Conserving the company’s register of partners, dealing with transfers and different matters influencing shareholdings, and dealing with queries and petitions from shareholders.

Shareholder Communication

Conveying with the shareholders (i.e. through circulars), payment of earnings and interest, allocating documentation considering rights issues and capitalization stuff, general shareholder connections, and relations with institutional shareholders and their investment protection councils.

Shareholder Monitoring

Monitoring modifications within the register of partners to specify an apparent ‘stake-building’ in the firm’s shares by probable takeover bidders and giving rise to inquiries of partners as to helpful ownership of possession.

Share and Capital Issues, Transfers, and Restructuring

Enactment of changes in the hierarchy of the company’s share and loan capital and devising, enforcing, and conducting directors’ and workers’ share participation strategies.

Acquisitions and Disposals

Participating as a main partner of the company team ascertained to execute corporate accessions and removals, conserving the company’s interests by guaranteeing the cogency of all documentation and that due diligence disclosures enable reasonable commercial examination previous to fulfillment of a transaction.

Corporate Governance

Reviewing growths in corporate administration and advising and helping the directors concerning their responsibilities and duties, compliance with their commitments under company law and, if acceptable, Stock Exchange requirements.

Company Seal

Assuring the safe supervision and adequate use of the company seal if furnished for in the company constitution.

ACRA Compliance Alert and Reminders

HeySara will deliver reminders to you on documenting deadlines and compliance consequences.

When erecting a company in Singapore, it is significant that you commit to the services of a talented team to help you. Being the prominent service provider, the company incorporation service provided by Heysarawould allocate a committee of qualified professionals. 

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How do I apply for DP? 

If you are scheduling to shift to Singapore with a family fellow who has shifted there for a job, you will require a Dependant’s Pass (DP). 

What is a Dependant’s Pass?

A Singapore Dependant’s Pass (DP) Scheme in Singapore is a relocation visa handed out to assigned family partners of S Pass owners, Employment Pass, EntrePass holders, or Personalised Employment Pass (PEP) owners.

Dependant’s Passes are reasonable as long as the owner of the major Singapore work visa is actively laboring in Singapore. DP pass owners can dwell, infiltrate and evacuate Singapore voluntarily without having to pertain for different Singapore entry visas. 

What papers do I need to apply for a Dependant’s Pass?

  • A finalized Dependant’s Pass petition form
  • A copy of the personal particulars paper of you/ your kid’s visa
  • A copy of the official relationship, birth or adoption certificates as evidence of a relationship
  • Academic enrolment details in an academic institute in Singapore
  • Salary details for the extremely recent job 

Do remark that application forms for kids under 16 should be approved by the parent on behalf of the kid. Relevant certificates that are not in English must be deciphered by a certified translator and fulfilled along with the actual certificate copy.

Who is capable of a Dependant’s Pass?

Spouses and single kids under 21 years old (both birth and lawfully accepted children) of Employment Pass, S Pass, EntrePass, or PEP owners who are reaping at least S$6,000 a month can request for a Dependant’s Pass.

Common-law spouse of Singapore works visa owners are not capable of a Dependant’s Pass Scheme in Singapore. Nonetheless, subject to specific conditions, they are usually capable of a Long-Term Social Visit Pass (LTSVP).

How do I apply for a Dependant’s Pass, and how extended does the procedure take?

Dependant’s Pass applications can be accepted either online (for dependants of Employment Pass and S Pass holders) or manually (for dependents of EntrePass, Personalised Employment Pass, and Employment Pass (sponsorship) owners). DP applications must be pertained by the employer of the Singapore work visa holder and documented individually for each capable family member. 

DP applications are generally processed between 3-5 weeks. If the DP petition was introduced jointly with the Singapore work visa application, the effect will be vastly likely realized at the same time.

How do I recognize if my Dependant’s Pass has been authorized, and how do I take it? 

When your Dependant’s Pass application is ratified, an In-Principle-Approval (IPA) letter will be handed out by Singapore’s Ministry of Manpower (MOM). The DP applicant must be in Singapore to receive the pass. 

You will require submitting the following papers when you receive your Dependant’s Pass:-

  • The IPA letter you obtained
  • Your/your kid’s visa
  • Any extra documents desired in the IPA letter such as medical test summaries, embarkation/disembarkation cards, etc.

Can Dependent’s Pass owners apply for permanent residence?

Yes, Dependant’s Pass Holders can pertain for permanent residence (PR) in Singapore jointly with the Singapore work visa holder. If the Singapore work visa owner’s PR petition is authorized, the PR petition of the DP owner will be authorized as well.

Ask the experts at Timcole and get their assistance. Be it just incorporation of companyor any additional petitions for documents, we are here to help. 

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How Does Car Insurance Work In Singapore?

No matter how easy you think getting a car insurance policy is, there are various things that need to be considered before you choose a company and start paying its premium. It is, after all, your hard-earned money that you have to pay, annually or monthly, depending upon your contract with the insurance company. Therefore, checking various things before you decide to go ahead with a specific company is essential.

Car Insurance in Singapore

While various people believe car insurance premium fee needs to be paid annually, there are companies that let you bear the expenses on a monthly basis. Depending upon your comfort and budget, you can choose between annual, one month, six months, and even nine-month car insurance policy. It all depends upon your requirement as well. While some people are comfortable with annual payments, there are those as well who find it easy to make monthly investments, or for a shorter duration.

If you are new to Singapore and you think you can avoid getting a car insurance policy, you must know that not having it is not an option. If you live in this country, you need to insure your car if you own one. The majority of Singaporeans have their cars and thus, they have an active car insurance policy. Driving without such a policy and not presenting the essential insurance papers or documents when required is considered illegal. If you want to be ethical in this country, do not own a car without an active car insurance policy.

How Does A Car Insurance Work in Singapore?

So, how does car insurance work in Singapore? No matter where you travel within the country, you do not worry about the consequences of an accident, since you know you, your loved ones (and your car) are safe. To relieve the stress of damage to the car, Singapore Government has made such a policy compulsory.

The good news is that such an insurance policy, sometimes, covers the medical bills in case you, or the passengers in your car, are physically hurt or injured during the car accident. This generally happens when your car has met with an accident with someone else’s and the car is uninsured, along with the driver.

Not only this, you are covered for any kind of injury caused to the other party. This includes medical costs caused by car accident, property damage, fire, theft, etc. There are three different kinds of car insurance policies, which you must learn before you opt for one:

  1. Liability Insurance Policy – this covers the repairing costs of the third party’s property that have been damaged during the accident, along with their medical and treatment expenses.
  2. Comprehensive Insurance Policy – this covers the insured person against the damages caused to own as well as the third party, during the accident.
  3. Collision Insurance Policy – covers vehicle accidents, wherein the insurance company deducts your saved premium fees and pays your losses.

Now that you know how the policy works and how can you choose the best one of yourself, you might wonder how to renew car insurance Singapore. The good news is that there is something called auto-renew, especially if you have paid for the insurance online. You do not have to manually pay the money for your premium if you have ticked the box for ‘auto-renewal’, since the money automatically gets deducted when the time of the payment arises. If you do not want to take the risk of auto-renewal, you can count on the auto generated monthly or annual reminders you receive from the company. Once you receive the email, renew the policy by paying the premium and enjoy the benefits.


To conclude, one must not travel by car without a proper car insurance policy in Singapore. Firstly, it is compulsory and thus, you should not take it for granted. Secondly, it allows you to travel without the stress of bearing the damage, in case of an emergency. May God forbid, if your car meets through an accident while traveling, it becomes your best friend. The majority of the expenses are taken care of by the insurance company, depending upon the policy you’ve opted for.

By the way, adding to car insurance, you have to consider buying travel insurance. If you are wondering about how to choose travel insurance Singapore you will have to find out your priority and the frequency of traveling. It is not that people who do not trust their driving skills opt for a specific kind of travel policy; it is all dependent on your affordability, choice and preference. Also, if someone is suggesting a specific kind of a car insurance policy to you, learn more about it – guidance in such subjects should always be welcomed.

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Investing is silver bullion coins or bars

For year precious metals have been held as alternatives to stocks, bonds and other traditional investments. When the economy is not doing well, central banks resort to printing more money this devalues fiat currencies and raise inflation which is why people hedge their bets with precious metals like silver and gold. 

When a precious metals investor decides to “get physical,” he or she often begins with a silver purchase, even before getting to gold. The low price of entry (relative to other precious metals) makes a physical investment in silver possible even with a very small amount of capital. And with a first investment in physical silver, a popular choice is, of course, the silver bullion coin. 

When an investor decides to buy physical bullion, he might consider silver before gold. This is because of the low price of silver which makes it a low entry level investment. You can buy silver for a very small amount of money. Silver is often popular as a first investment in precious metal. 

A lot of investor love silver because it retains its value in difficult time it also serves to protect their wealth from inflation. This way investors can be sure that they have a currency that cannot be inflated or deflated by continuous money printing or falling interest rates. There are a number of ways to invest in silver:

Bullion Coins or bullion bars

Investors buy physical silver like coins or silver bullion coins because of the emotional satisfaction they get from having something that is more tangible because you have physical possession of the metal. When the price of silver rises you can sell silver bullion and make a good profit. When buying silver you have to be aware of the spot-price so that you know that you are buying it at a fair price the same is true for when you sell silver you need to know what the current spot price of silver at that point. You might not get the exact price for your used silver bullion especially when you are selling to a dealer because other costs are factored into what you’ll get offered.  

You might think that the only difference between silver bullion coins and silver bullion bars is their appearance and weight. That is not the only difference. These two forms of silver bullion products differ also in their purpose. Silver bullion coins have a legal tender value making them currency in their respective country of origin. Bars on the other hand aren’t classified as such and are therefore only valued for the silver content. It’s easier to sell silver coins during crisis than it is to sell silver bullion bars. 

Some investors may have bought numismatic silver coins. These are different from silver bullion coins. They have no legal tender hence no guarantee that they may be used as currency one day. Numismatic coins are valued for their rarity and their uniqueness. Of course the amount of silver is important but unlike bullion coins, numismatic silver coins aren’t made with the finest silver. However, they are known to trade over the silver spot price. Whatever type of silver product you may have, make sure you trust the dealer to offer a fair price.

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Simple Tips for Investment in the Forex Market

The Forex market is a complex but fascinating one for investment. Forex traders have no dearth of opportunities to make money. However, one needs to constantly work on their skills, to consistently grow within the Forex Market.

Every competent Forex trader knows that a strategy and a detailed trading plan are crucial when it comes to consistency in the trade. After choosing a trading strategy, one needs to stick to it for a while to observe whether the strategy is yielding the desired results within the current market scenario. A few important tips will help guide someone who wants to succeed in Forex trading.

How to navigate the Forex marketplace

  1. Make a start

Most traders do not emphasize the importance of consistency in trade. They rush to change their strategy as soon as the trade goes in the wrong direction. Since trading is a game of probability, one need not always be right about market direction. However, you need to stick to a strategy that ensures a good risk to reward ratio.

A trading strategy must be tested upon by multiple trades to see if it is suitable for the current market scenario. This is extremely important since any strategy takes a little time to show its true potential.

  • Determine your risk appetite

Since you need to make a few trades to test a strategy, you need to limit the risk involved in each trade you make. It will give you scope to test multiple trade strategies. Let’s say, you risk only 1% of your account in each trade. In such a case, you will need to encounter 100 consecutive losing trades to run out of money. This is highly unlikely.

So, play safe during the testing phase and establish a strategy that works. After that, you can go and win big!

  • Study the game

A successful trader takes the time to study his trade. Detailed analysis regularly allows opportunities to learn what works for a particular trade, and even more so what does not work. Forex is no exception.

See to it that each of your trades is in harmony with your strategy. Do not get too excited or emotional about your trades and avoid making unnecessary trades. After analyzing which trades were made according to your strategy, you will know whether your strategy works in the current market environment.

  • Use a limited number of instruments

The Forex market offers many trading opportunities each day. However, it is not always possible to keep track of every order. So, start by tracking a few instruments so that you are aware of your entry and exit points based on your strategy.

After testing your strategy on multiple instruments, you can add more pairs to your watch list. Evaluate which strategies work with those pairs and you will have a set of strategies at your disposal.

Having a variety of strategies is crucial to consistently succeed in the Forex Market. The strategies will help you adapt to the ever-changing market scenario and keep your risk low.

So, use the aforementioned tips and succeed in the World of Forex trading.

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The Importance of Book Keeping In Any Business 

Financial mismanagement is one of the leading reasons for a majority of businesses being shut down. No matter how well you try to organize it since you have a paucity of expertise in the field of finance and economics, you will prove to be the bull in the China shop, causing more damage than that which can be sustained. 

The best way of bookkeeping is to hire a CPA. The best team of expert CPAs is with the pacific accounting group. They are dedicated to serving the financial interests of their clients. They give top priority to the success of their clients, which is why they are always available to the help and assistance of their clients. 

They never discriminate among the clients based on the size of the business and their clients are much more than just a number to them. Their team will perform many tasks for you like tax filing, drawing up the financial reports, tax planning, assurance services, representation and defence, financial planning, assurance services, overseeing financial functions, etc. 

Reasons to pay attention to bookkeeping

One of the main functions of bookkeeping is to help in preparing a budget for the business. besides that, it is also functional in preparing for the tax returns and keeping the business organized. It is unavoidable for the success of any business and no business can neglect it to stay afloat. If you want to keep a check on your finances, then you too must practice it. 

Here is a list of reasons why bookkeeping is essential for your business:

1. Helps in budgeting accurately – 

Maintaining a budget becomes very easy with bookkeeping. When the income and the expenses are organized properly, then the process of reviewing the financial resources and cost becomes very easy. 

2. Stay prepared for the taxes – 

Even though it is very annoying, all the businesses are required to file the taxes at the end of each year. If you have the bookkeeping properly checked, then you will have all the relevant information in the tax season. This will keep all the tension at a bay. 

You will be able to predict the outcome when the HMRC will demand a financial statement of the business only if you have bookkeeping in check. 

3. Maintain organized records – 

If you wait till the last minute for the crucial information to be gathered and the important tasks to be executed, then you will end goofing up with a lot of crucial pieces of information. More errors are likely to happen when you are in a rush to meet the deadlines. 

Bookkeeping will save you from the trouble of running amok. 

4. Easy to set targets and meet them – 

Keeping the books maintained will give you a clear perception of the trajectory of the business and where is it expected to be going. Poor financial records impede the growth of the businesses because they blur the vision of the business owners. 


Bookkeeping is one of those traits, which will help your business in the long run. It is always suggested for the businesses to maintain proper books regularly. 

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