In the Market for a New Home? Consider These Unique Choices

Buying a new home is something that few people do more than once in their lives. This is because a home costs a lot of money and is typically an investment that can last over a decade. However, once you’ve finally paid off that mortgage, it’s not uncommon to feel dissatisfied with your choice of home and you might start looking for a new home.

Picking a new home can be a tough job because of all the different choices you have. However, most city properties are very similar to each other and you might even find that they’re boring due to the lack of real differences between them. If you’re in the market for a new house, then consider these unique options before you settle on a property that is similar to your existing home.

Waterfront Properties

Waking up to a fantastic and beautiful view of a lake, ocean or even a river can be an amazing feeling. Getting out of bed, opening the curtains and seeing crystal clear blue waters is something that few people get to experience, let alone on a daily basis. Look for waterfront homes for sale and make all of your friends envious at your unique choice of property. Not only does it offer fantastic views, but it also offers you the opportunity to do a spot of fishing or even own a boat in the future. Waterfront properties can be rather expensive, but they’re worth the additional costs and you’ll be surprised at how much difference a great view can make to your mood.

Mountain Properties

If you want to experience life from a completely different perspective, then consider living on a mountain. Due to their location and surroundings, they actively promote physical activity such as mountain biking and hiking. Physical activity is aided by the crisp and clean air that will refill your lungs with pure oxygen instead of smog and smoke from the city. Mountain properties are usually in remote locations, so you won’t be getting fast food deliveries and your internet speeds might be a little slower than what you’re used to. However, a mountain is, without a doubt, one of the most interesting and life-changing locations to move to.

Forest Properties

Homes in a forest are typically very expensive due to their secluded and private nature. However, what they offer is something that is unlike any other property you could imagine living in. Due to the amount of plant life around you, the air is extremely clean and uplifting—even more so than living on a mountain. You’re also surrounded by nature, meaning you’ll get a constant stream of noises from birds chirping, leaves rustling and the wind gently blowing. There are, of course, going to be a lot of bugs and you might get a rodent or two trying to invade your home, so you need to be comfortable living around animals and insects. However, if you absolutely loving being one with nature and love to take walks in forests and explore, then you can’t go wrong with a forest property.

Car Leasing Pros and Cons to Help You Decide

car leasing pros and cons

Car leasing is a growing trend in the world and is gaining more and more popularity by the day. This is not only because it is a financially viable solution but also because it offers the user many other amenities as well. But as with any other service in the market, car leasing has its own set of flaws with lack of complete ownership being the biggest of them. Although it is a growing trend, not many people are aware about this process due to the novelty of it. So given below is a handy guide structured based on car leasing pros and cons:

Pro #1 – Low cost

As mentioned above, the economic viability of this process plays a pivotal role in its sales. Usually in a car purchase, the customer applies for a loan, purchases the car and spends the next several years  paying it off. But on the other hand, car leasing payments are lower in terms of both payment and payment time. When in financial difficulty, you do not have to make your payments since the contract can be terminated. Furthermore, since most car leasing contracts are made for a minimum of 4 years, the customer will not have to spend much on upkeep, maintenance and repair.

Pro #2 – Flexibility

Unlike car purchasing, leasing is usually done according to the customer’s terms. He/she will be given a say in the lease period as well as the amount. Leasing a car enables you to drive a new model every once in a while. This way, you do not have to be stuck with an outdated car. Furthermore, since this process has fewer financial restrictions, you will be able to choose a car that you like rather than a car that you can afford.

Con #1 – Mileage limits

A car lease contract restricts you from driving to your heart’s content. The contract will give you a mileage limit which you will have to adhere to in all situations. The usual mileage value given for a customer is between 12,000 – 15,000 miles per year. Failure to comply will result in penalty. That is, you will have to pay compensation for every extra mile that you drive. This limits spontaneous car trips and forces the user to stick to a preplanned schedule.

Con #2 – No customization

Despite all the advantages, the bitter truth is that, the car does not belong to you. It is a property of the leasing agency and is only temporarily borrowed. So you are expected to return the car at the end of the lease period. Although most users include additional sound systems, accessories, and gadgets and even change the color of the car after signing the lease contract, all modifications must be reversed before the car is returned to the agency. This way, you will have to pay for both installing and removing the modifications.

So remember to do your research before making the final decision. Instead of going with trend, choose the option that suits both your financial and driving requirements.

Refraining From Outsourcing Accounting Solutions Can Cost You

In-House Accountants Aren’t Cheap

Now your business is going to expand—that should be the goal, right? This means it doesn’t matter how good your accountants are, that department is always going to require some growth. There will be internal infrastructural pressures, equipment costs, space costs, taxes, benefits, and all the other accoutrements which surround internally-sourced departments.

But technology allows you to offset many of these costs simply and directly. Nimble.com lists eleven ways technology can help you save money at your business, and one of the most important items on that list is titled “crunch the numbers”.

To that end, consider some of the numbers which surround the regular employment of an in-house accountant, or the facilitation of even a small accounting department. On Quora.com, a business making $12 to $15 million in revenue annually is going to have between two and four individuals in the accounting department, minimum.

Estimates vary on an accountant’s yearly wages, but generally you can expect a spread between $30k and $100k. That means at best you’re out $120k/year for such a department. At worst, $400k or more. And to compound matters, as mentioned earlier, that cost is just going to keep getting bigger; especially if your enterprises have some measure of success.

You need to consolidate where it’s possible, and today there are online options which can entirely replace an internal accounting department every bit as effectively, but while curtailing literally thousands in costs. Generally you won’t need an accountant until you really need an accountant—but you can’t call an employee out of bed at two in the morning. The internet has no such hang-ups.

Exterior Accounting Solutions

According to Basis365.com, outsourcing your accounting services to an exterior agency can yield exceptional convenience and savings, as well as continuous access to information; like the site points out, their “…software, ecommerce, and service-based customers love how easy [the] process is. Everything is online – all the time.”

If you discover an error on the books over the weekend, you may be able to resolve it immediately wherever you happen to have access to the internet. It’s conceivable that you could clear up a difficulty on the beach with your smartphone, if the data were available to you. This can save days—or weeks—of work. With the swipe of a finger, you conserve thousands.

Even the best accountants are going to make costly mistakes. Should you pay them the highest wages, they will still drop a decimal here or fail to take something into account there. You can’t really penalize them, either. Well, you can; but if they know your books and don’t have requisite moral scruples, you’re leaving yourself wide open for an unexpected attack.

Online, you’re dealing with machines that have complete neutrality. Sure, you might make mistakes running the software; but none of those are going to hold a grudge and decide to take out your business from the inside. You’re a lot less likely to accrue an unexpected audit through use of online software than you are through a disgruntled former employee.

Adaptation

Now the transition can take a little time, but generally isn’t too complicated. Also, when you critically examine it, though an in-house accountant can substantially save your organization, their services tend to be required on a basis that is almost seasonal. Yet retaining them as a dedicated service provider requires year-round employment.

For those businesses who have yet to explore online accounting options, there are a great deal of ways in which this innovation stands to benefit you. Run the numbers and see if you can afford to save a few thousand.