For multiple decades, Quicken Books has been a reputable name in the financial software market, providing an invaluable tool for small businesses, professional individuals, and seasoned accountants alike. With a wide range of features that include but are not limited to budget planning, investing tracking, and bill management, many find Quicken Books to be an integral part of the financial management process.

Why Choose Quicken Books?

Quicken Books offers numerous benefits to its users. They provide a comprehensive overview of all your financial data in one convenient location, which helps in making informed financial decisions. Users can easily monitor their spending patterns, track investments, and manage budgets.

Beyond ease of use, Quicken Books shines by offering tools for more intricate financial tasks. It provides detailed reports, ranging from spending breakdowns by category to forecasting future income and expenses. Its advanced feature allows users to import data directly from their banking institutions, saving them the trouble of manual data entry.

The tax support feature can prove beneficial and time-saving, especially during the taxing season. A seamless connection to TurboTax makes Quicken Books an all-round software for managing not just everyday finances but also tax return preparations.

Quicken Books and Tax Preparation

During the tax season, financial management can get a tad overwhelming. This is where Quicken Books comes into the scene. For best results, many users prefer to seek professional assistance from the best tax accountants Beresfield.

With Quicken Books, you can tag and categorize transactions as potential tax deductions, making it easier to retrieve them when you’re ready to file your taxes. Quicken prepares a tax report that highlights all these transactions, saving you and your accountant valuable time. When the tax season rolls around, Quicken Books is an obvious choice for many.

Team Up With Tax Accountants

Teams of tax professionals like the best tax accountants Beresfield often use Quicken Books. They understand that the software allows them to generate detailed financial reports swiftly – making the process of filing returns simpler. Working with these professionals ensures that you’re maximizing available deductions and accurately reporting-income.

A Deeper Level of Analysis

Looking beyond routine use, Quicken Books proposes a more in-depth level of analysis. You are provided with powerful investing tools that can be specifically tailored to your preferences. These tools include continually updated quotes, a portfolio view that you can customize, and detailed buy-and-sell decision support. Quicken Books has been designed to equip you with the right instruments to make smart, informed investment choices and stay on top of your financial health.

Conclusion

All in all, Quicken Books is a comprehensive, user-friendly, and powerful tool for managing your finances on a day-to-day basis while also assisting with tax preparations in partnership with the best tax accountants Beresfield. Its wide range of features, easy interface, and robust performance make it a leading financial management software in today’s ever-changing economic arena.

By Nick Jarvis

The Celebrity Secret to Not Gaining Weight During Pregnancy

Do you ever think about how celebrities return to their pre-pregnancy weight so easily? This is because they don’t gain any unwanted weight during pregnancy and yet produce a healthy baby. By extra weight we mean the weight gained by the mother excluding the additional weight of the baby, placenta, womb, and the extra blood supply. Many doctors believe that pregnant women do not have to gain extra weight to produce a healthy baby. These tips will show you how keep off those unnecessary pounds.

Normal vs. Extra Weight Gain

You should be able to distinguish normal from extra weight gain; normal weight gain is the weigh that will disappear after giving birth, while the extra weigh will not be easily discarded after the baby is born.

Under normal conditions, a healthy woman will gain about 25 to 35 pounds during pregnancy, the underweight will gain 28-40 pounds, and an overweight will gain 15-25 pounds. This weight should be added on gradually following the first trimester at a rate of 1 to 2 pounds per week. What good are these extra pounds for? Normal weight gain accounts for the weight of your growing baby, the uterus, tissues and others that are needed for the development of the baby. The following is a detailed list of the extra pounds:

The baby should weigh between 7 to 8 pounds with the uterus accounting for 2 to 5 pounds. The placenta excluding the baby weighs around 2 to 3 pounds. Your enlarging breasts weighs about 2 to 3 pounds while the stored fats needed for breast-feeding and delivery weigh around 5 to 9 pounds. The amniotic fluid in your body is approximately 2 to 3 pounds. The additional blood supply needed by the baby is close to 4 pounds.

Any more pounds beyond these are extra weight and are not needed. This weight is difficult to take off after having a baby

Eating for Two

The myth that says that mothers should eat for two is untrue and will only lead to extra weight gain. It is popularly known that a healthy expectant mother needs an extra 100 to 300 calories to make their babies healthy even while still inside the womb. A bowl of cereal and an apple is all what is required. You may be disappointed, however, but if you are eating any more, your body just stores the extra calories as fat. Extra fat gained during pregnancy may not be obvious now, but surely you will notice it when you try to fit into your pre pregnancy jeans.

Maintain a healthy diet that will keep you away from unwanted gain weight during pregnancy. Keep a healthy diet and this includes fresh vegetables, fruits, lean meats, and whole wheat breads. Good nutrition helps you to keep in shape and is important for your baby, too.

Move that Baby Bump

Very often magazines show photos of the pregnant celebrities taking a walk. Thats because most doctors agree that exercise is good for healthy expectant mothers. Exercise like taking long walks may help burn extra calories accumulated during the span of pregnancy. Not to mention the extra blood flow does wonders for evening out mood swings. These tips are for pregnant women who are healthy and have consulted their doctors about not gaining extra weight during pregnancy. It is not recommended for women to attempt to not gain healthy weight during a pregnancy. The mother and unborn baby may experience unhealthy side effects. Always check with your doctor.

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Submitted by: Anna Platz

1. You may need a two year track record.

This is not a hard and fast rule, but many mortgage lenders will want to see a two year history of self-employment in your chosen field. They want to be able to show that a certain earning level is consistent, and not the result of a few good months.

2. Your income is what’s on your tax return, not what’s on your paycheck.

Some self-employed borrowers have a tough time qualifying for a mortgage that they can reasonably afford because they write off a large portion of their income as business expenses in order to limit their tax liability. This can be an issue when applying for a home loan (or other credit account) because it lowers the borrower’s income on the tax returns which will be used to document annual income.

3. You will be asked for additional documentation.

As mentioned above you will likely be asked to prove your income by providing copies of your tax returns. Most often lenders like to see returns for the two previous years. In addition you will probably asked be asked for copies of the following items, and potentially additional items depending on your scenario over and above the standard documents requested on a mortgage application:

* your business license

* a letter from your accountant

* a balance sheet and profit & loss statement for your business

4. Credit score, reserves, and ratios will be especially important.

These items are crucial to any underwriting decision, but when self-employed you want to do everything you can to present yourself as an attractive (low risk) borrower. Maintain a high credit score, build up your savings account, and work to get your debt to income (DTI) and loan to value (LTV) ratios in line. Many mortgage lenders will only approve a loan if the DTI is 36% or lower (43% or lower for FHA loans) and the LTV is 80% or lower (meaning you have 20% or more equity in the property). The better these numbers are, the less risky the loan is in the eyes of the underwriter. The less risky the loan, the better your chances of being approved for low mortgage rates.

5. You don’t need to own the business to be treated as “self-employed”.

Even if your name isn’t on the front door you could be subject to the additional documentation and qualification requirements. If all or a portion of your compensation comes from commission, bonuses, or some other production or profit based pay, your mortgage lender will likely ask you to provide the previous two years tax returns.

Being aware of and prepared for these additional hoops you may need to jump through will allow you to best take advantage of the home loans for self-employed borrowers that are currently available. Though stated-income loans are largely a thing of the past there are plenty of home financing opportunities – it just may take a little extra effort before you can head to the closing table.

About the Author: Anna Platz is a writer and SEO Specialist with Wilmington SEO & Marketing, based in Wilmington, NC. She specializes in writing about mortgage lending and real estate. Learn more about current mortgage rates at

afrmortgage.com/

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