Bad Credit Debt Consolidation Loan: Panacea to Their Ailing Financial Record

For debt-stricken individuals, it is not yet the end of the world for them. Through a debt consolidation loan, they still have the chance to settle all their financial obligations without worrying if it would affect their finances as a whole. Basically, this type of debt solution will consolidate all of your existing loans and other lines of credit and combined them into a single huge loan with reduced interest rates and longer repayment period. Thus, a debt consolidation loan would be the perfect debt solution for individuals who find themselves stuck into the pool of debt created by their unsettled financial obligations.

Unfortunately, there are individuals who have been denied of such a loan mainly because they do not have a good credit history. Because of their bad credit status, they are considered to be a credit risk, thus denying them of any debt consolidation services. Debt consolidators stressed out that their loans are exclusively for individuals with good payment history yet having troubles settling their current financial obligations.

Is there any hope for individuals with bad credit status to change their sail towards more-improved financial condition?

Fortunately, there is.

Realizing that these individuals can still make it once again to the honor roll, debt consolidators now offer debt consolidation loans for borrowers with bad credit status. Although borrowers with bad credit (individuals who have took out loans yet failed to repay it on a timely basis) are not favorite clients for some financial institutions, they can still avail a debt consolidation service to wipe out their bad credit status. After all, most debt consolidators stressed, it is still a potential inlet of revenues for them.

Before taking out a bad credit debt consolidation loan, you need to make a list of all your unsettled financial obligations. The whole amount of the principal together with the interest would be calculated and would be equally divided across the consolidation loan repayment period. The debt consolidation firm will approach your creditors and will use their market expertise in getting the best deal from them in your behalf. They will present a consolidated plan of paying off your debts to them within a specific time frame. Once the concerned parties agree to the consolidated plan, they will now sign the agreement and presto, one creditor down.

There are now hundreds of debt consolidation companies that offer loans for individuals who have bad credit status. However, you should be careful in choosing a debt consolidation service to deal with. Here are some of the things you should consider when looking out for a bad credit debt consolidation service:

o You must conduct a thorough background search on the debt consolidation firm and analyze their capability of dealing with different types of lenders. There are instances wherein a debt consolidation firm does not have the necessary background to deal with various lenders yet they are luring potential clients to grab their offerings.

o Although you would be charged with a higher interest rate compared to the regular debt consolidation loan, you need to study and compare the rates they are offering to bad credit individuals. In this way, you will be able to distinguish consolidators who are charging excessive rates on your account.

o Check the information about their bad credit debt consolidation loans, such as the period of the loan repayment and other essential conditions.

There is still an effective panacea to your ailing financial record–and that is through getting a bad credit debt consolidation loan.

Business Documents – The Benefits of Retaining Tax and Financial Records

How long you should retain business documents is a question that a lot of business owners ask. But another questions is, “Why is it important to hold on to this information for so long? Here are three benefits for retaining copies of your tax returns and financial documents.

Clear the clutter. There is nothing like being able to go into your storage area and actually having a clear path to walk through. It saves you time when you need to find information quickly. However, most people think in terms of physical space but the ability to locate files on your hard drive is prime real estate, too. If you want to keep the piles of paper and computer files to a minimum then knowing when it is safe to discard your business documents is a must.
Audit Preparedness. When it comes to income tax filing one issue that tax payers should understand is the statute of limitations. This is the period of time that the IRS can go back and pull your tax return for review. If they find errors or have cause to question the information that you report, they can recalculate and adjust the taxes that you owe. Keeping copies of your tax return and the supporting documents allows you to respond to their requests for information in a timely manner. It also helps you recall what was on the return and why you included the amounts.
Tax Planning. Contrary to popular belief, after you submit your income tax return that should not be the last time that you review it. These business documents are important for helping you map out a strategy to keep more of your business profits and cash flow. Tax returns are a good source of information that reveals how well you are making money work for you. Since income tax is one of the largest costs that you will, it is wise to seek ways to create tax breaks for your company.

Now that you know the benefits of retaining financial records here is a practical way to tame the paper tiger. Instead of allowing hard copies of tax returns and supporting documents take control of your file cabinet or storage area, consider using electronic storage. Scan copies and save them to a CD or flash drive. This not only saves you space but it also saves you time by being able to store multiple years on one disk for easy retrieval when you need them.

Useful Tips For Identity Theft Prevention – Guard Your Financial Records

Imagine this scene: You’re opening your bills, only to find one of your credit card account balances with an over-due five-digit charge. You know you didn’t make that purchase, so you refuse to pay for it. A few months later, you decide to buy a new car, so you submit a loan application to the car dealer. You get a phone call that afternoon with the bad news, “I’m sorry, Ms. Jones, but we are not able to extend credit to you at this time.” When you ask why, they tell you that your credit report indicated you’re in debt way over your ability to pay. Bummer! You’ve become a victim of identity theft.

Now imagine this: You finally order that credit report, like you’ve been meaning to do for years. When you get it, you learn that you own a house you don’t know about and you have credit card balances at three different stores you’ve never even heard of. Someone has stolen your identity to make their life richer! How did the identity theft happen? And what can you do about it?

There are many ways an identity thief can get your personal information to build a mountain of debt that creditors expect you to pay. Maybe they got hold of your name, address, and social security number by going through your garbage one night. Or perhaps you gave them the information when “their representative” contacted you to verify some details on your account. Or maybe they’re a computer hacker that figured out how to get your credit card numbers when you made a purchase at the local boutique. They may even have gotten your information by pretending to be you (or someone in your family) when they contacted your bank or service company. The worst-case scenario is when someone uses your social security number and then goes out and commits criminal acts. Ever seen the inside of a police station or jail? You could! There are a multitude of ways to become a victim of identity theft!

Identity theft and fraudulent use of personal financial records is a growing problem all over the world. In 2004, the U.S. Federal Trade Commission conducted a study that indicated over 9 million people are victims of identity theft every year. A 2003 study conducted in the United Kingdom suggested that 20% of all consumers had been subject to identity theft. Clearly, in the English-speaking world, identity theft is an ever-greater threat to your personal and financial well-being.

How Can I Prevent Having my Identity Stolen?

Here are some tips on things you can do (or not do) to guard your personal financial information, prevent identity theft, and protect your good credit rating.

– Always take your receipts with you after you’ve made a purchase. Leaving the receipt at the ATM or gas station is an open invitation for identity thieves.

– Maintain good files and records of your financial transactions. Know what you’ve purchased, when, and from whom. Store your old account statements in a safe place. And be sure to shred any papers with personal information before you throw it away.

– The FBI recently reported that a third of identity theft victims admitted the thief was a co-worker or friend. Be careful not to leave personal information out in the open on your desk or in your home office. And don’t ask anyone else to hold your personal papers for you. In this case, most of the identity theft suspects were well aware of their victim’s habits and lifestyle.

– Carefully guard your User IDs and passwords for online accounts. When you create them, don’t go for the easy-to-remember. People who know you may be able to guess simple, straightforward user IDs and passwords. And don’t write your passwords down or keep them where someone can get to them. If you store them electronically, make sure the files are protected.

– Get and keep regular copies of your credit reports and account statements. Use one or all of the three major agencies (Experian, TransUnion, or Equifax) to get your credit report. Don’t depend on less reputable reporting agencies.

– Opt out of mailing lists whenever you can, and ask telemarketers to “take your name off their list.” By law, they can’t call you again for a year. If you have any doubts, check with your bank and credit accounts to find out what they do with your personal information and what you need to do to better protect it.

– Don’t have printed or write your social security number on your checks. Might as well send it up a flag. Some states still use social security numbers for drivers licenses, but they are changing. Check with your DMV to see if you can have your drivers license changed to remove your social security number.

– Don’t keep a written list of your bank or other account numbers where they might be seen by someone else. Keep lists of this type of information under lock and key.

– Do not respond to and delete any e-mails that ask for an account number or other personal information. Stop internet and snail-mail credit card offers. Install firewall and anti-spyware on your computer for additional protection. If your computer has the feature, register your fingerprint as an additional safety feature.

– Purchase new checks from the bank, not a discount service. And rather than having your full name printed on the checks, use your initial.

– Do not carry PINs in your wallet or purse, and never give them out over the phone.

What If I’m Already a Victim?

If you think someone else is using your identity or personal financial information inappropriately, contact the nearest office of the U.S. Department of Justice. Contact your creditors to alert them to the fraud. Also inform your bank of the activity and secure their agreement to help protect your information. You may want to revisit the names of people authorized to access your personal financial information and limit it to essential parties only. Find out as much as you can about the accounts, purchases, and applications the identity thief has made using your name. Then contact those companies directly and immediately to make sure they close the accounts and notify law enforcement when they become aware of any additional transactions.

Immediately notify the credit reporting agency and creditors if you see suspicious activity or if you find errors like a closed account that shows as open or a paid-off balance that appears to be outstanding. You may have to provide documentation to support corrections, and you may have to make the same contact several times to assure the correction is made. But be persistent. Your credit report is a direct reflection of your financial dealings. Creditors and credit report agencies are obligated to report correct information.

Business Documents – The Benefits of Retaining Tax and Financial Records

How long you should retain business documents is a question that a lot of business owners ask. But another questions is, “Why is it important to hold on to this information for so long? Here are three benefits for retaining copies of your tax returns and financial documents.

Clear the clutter. There is nothing like being able to go into your storage area and actually having a clear path to walk through. It saves you time when you need to find information quickly. However, most people think in terms of physical space but the ability to locate files on your hard drive is prime real estate, too. If you want to keep the piles of paper and computer files to a minimum then knowing when it is safe to discard your business documents is a must.
Audit Preparedness. When it comes to income tax filing one issue that tax payers should understand is the statute of limitations. This is the period of time that the IRS can go back and pull your tax return for review. If they find errors or have cause to question the information that you report, they can recalculate and adjust the taxes that you owe. Keeping copies of your tax return and the supporting documents allows you to respond to their requests for information in a timely manner. It also helps you recall what was on the return and why you included the amounts.
Tax Planning. Contrary to popular belief, after you submit your income tax return that should not be the last time that you review it. These business documents are important for helping you map out a strategy to keep more of your business profits and cash flow. Tax returns are a good source of information that reveals how well you are making money work for you. Since income tax is one of the largest costs that you will, it is wise to seek ways to create tax breaks for your company.

Now that you know the benefits of retaining financial records here is a practical way to tame the paper tiger. Instead of allowing hard copies of tax returns and supporting documents take control of your file cabinet or storage area, consider using electronic storage. Scan copies and save them to a CD or flash drive. This not only saves you space but it also saves you time by being able to store multiple years on one disk for easy retrieval when you need them.

Why You Need to Keep Good Financial Records in Business

In order to make sure that you business is running smoothly, you have to keep good financial records. This is one of the issues with which businesses are most concerned because they want to make sure that they are turning a profit and at the same time paying the appropriate taxes to the government. When a business files an income tax return, it has to have all its I’s dotted and t’s crossed if it doesn’t want to undergo a tax audit. That is why all income and expenses have to be carefully documented and all receipts kept.

Any income is liable to taxation, even if you do not have any overhead. A simple Internet business making money from Google ads will receive a T4 slip at the end of the year. If you do not report all earnings then you could be liable for tax fraud. Having an accurate account of all the expenses you incurred throughout the year could get you a tax refund if you pay in too much in quarterly instalments, if that is the way you pay your business tax.

In addition to being taxed by the federal government, there are also state and provincial tax rates for business owners. When you add in the cost of licences that you need to have for operating and your overhead costs, you may well show a loss at the end of the year. You are liable to penalties if you do not keep accurate records and you have to allow the revenue officials access to your records when they request it.

Business records were traditionally kept in ledgers, but with computers many business owners now use a file format such as Excel to keep their records. Of course, it is vital that you have these files back up on disks just in case your hard drive should crash. If you have any agreements with partners in your business or contracts with other firms, you should also keep these with your financial records as source documents.

Finding Hidden Assets in Divorce: Searching for Clues in Taxes and Financial Records

Every divorce and legal separation in Arizonarequires the division of assets. With some couples, that process of division can be complex and contentious. Adding to that tension is the unfortunate reality that some individuals will attempt to conceal assets from their spouses.

Hiding assets in anticipation of divorce.

Although it is unwise and can seriously undermine a party’s case when discovered, many a divorcing spouse makes it a point to try to hide assets. More often than not, this secreting away of property will be attempted before the petition for dissolution is filed, in anticipation of a divorce. Experience has shown that the more time a spouse has before the petition is filed, the more likely he or she is to conceal assets from the other spouse.

When what you find is the decoy.

If hidden assets are found easily, then they could be a mere decoy for the greater amount hidden more carefully. Many a divorce attorney has observed a party, sometimes their own client, using a decoy to divert attention from the more valuable concealed asset. Experienced divorce lawyers watch for any evidentiary clues to hidden assets.

Here’s an example: The decoy is a local bank account opened by one spouse and funded with marital assets, but not a lot of money. The account is easily discovered by the other spouse who, having found the treasure, stops looking for more clues. Meanwhile, the main hidden asset is a well-funded offshore account under a different name. If the other spouse stops looking for clues, then it’s unlikely that he or she will simply stumble upon the concealed offshore account.

SEARCHING FOR CLUES TO HIDDEN ASSETS

We’re talking about discovering assets that one spouse concealed to avoid division in a divorce or legal separation. If there is any suspicion that a spouse may have hidden away assets, then the sleuthing begins. Here are four tips on where and how to search for clues to hidden assets in financial records.

Tip #1: Search for clues in tax returns.

Tip #2: Search for clues in bank and investment accounts.

Tip #3: Search for clues in paychecks.

Tip #4: Search for clues in business records.

Tip #1:Search for Clues in Tax Returns.

As part of the mandatory disclosures in every divorce, a party has to complete discovery and list all of the couple’s assets. The investigating spouse should closely examine the income tax returns for the last five years.

Study the interest income schedules in the tax returns. Compare the itemized accounts listed on the tax return, with the accounts listed by your spouse. Are they the same?

Compare the real estate taxes and mortgage interest in the tax returns, with the real estate details provided by your spouse. Are they the same?

Determine whether there was any overpayment of taxes which must be refunded to the taxpayer, possibly after the divorce is finalized. Will there be a tax refund?

Tip #2:Search for Clues in Bank and Investment Accounts.

An investigating spouse should obtain copies of all bank, credit card, and investment account statements going back five years.

Examine each statement carefully. Look for any large transfers or withdrawals. A pattern of regular transfers of small amounts may also indicate concealment, so don’t ignore those. How much and how often was money transferred? Where and for what purpose was the money spent?

A spouse may try to hide cash and, on some occasions, may use the pretense of a debt when none exists. He or she may transfer money to a friend or family member for the purpose of collecting it later, after the divorce. Was a payment made to a friend or family member on a so-called debt?

Look for any custodial account statements in the names of your children or stepchildren. A custodial account could be used as a mere repository for your spouse to make deposits, taking the money out after the divorce. Is there a custodial account that you were previously unaware of?

Pay very close attention to ATM withdrawals. Do the withdrawals reflect normal spending patterns? What was the money used for?

When reviewing credit card statements, look for payments for accommodations and travel expenses. Are there charges for housing expenses outside the marital home, such as rental payments? Is there any charge that was extraordinary or unusual?

Tip #3:Search for Clues in Paychecks.

You are entitled to request payment records from your spouse’s employer. The investigating spouse should examine the paychecks carefully for any deferred bonuses, options, or wages.

What if earnings are deferred until after the divorce, but the wages were earned during the marriage? Any such delays in paying what is owed could be evidence of collusion between the employer and your spouse. A payment deferred until after the divorce would appear to be that spouse’s separate property, unless it is traced back to the community as earned during the marriage. Is the employer holding back any earnings or bonuses to be paid after the divorce? Is a promotion or a pay raise being stalled until after the divorce?

When a spouse is paid in cash, or partly in cash, tracking earnings may be much more difficult. The investigating spouse should look for changes in the pattern of earnings established during the marriage. Is the spouse working the same number of hours, with a significant reduction in stated earnings?

When a spouse has cash income, one way to establish whether there are hidden assets is to perform an in-depth lifestyle audit. The lifestyle audit involves comparing the spouse’s stated income, to the amount of money he or she actually spends. If the spouse’s expenditures are unreasonably high given his or her stated earnings, then it may be evidence that assets have been concealed. Are the spouse’s spending habits excessive when compared to his or her stated earnings?

Tip #4:Search for Clues in Business records.

Owning a business may make it easier for a divorcing spouse to hide assets. In some cases, a business evaluator, typically a forensic accountant, may be necessary to thoroughly investigate the business records for possible concealment practices.

Wages may have been paid to family members or friends for work they did not actually perform – with the intent of returning the money to the concealing spouse after the divorce. Were wages paid to family members or friends for work they didn’t do?

Investments can be written off as business expenses, and expenses can be inflated to reduce income. Is the business being restrained to look less profitable? Was business equipment purchased for much more than market value? Are the business’ expenses excessive when compared to the actual cost of operation?

Divorce for many couples, perhaps most, is an emotionally challenging process. If one spouse attempts to hide assets from the other, the divorce is made that much more difficult. When concealment of assets is suspected, gather and photocopy all financial records before a petition for dissolution is filed. And if you haven’t yet separated, consider safe keeping those records in a secure location outside the home where they can be retrieved later.

Accounting Outsourcing – Get Error Free Financial Records

Maintaining the books of accounts is a crucial aspect in every business. Any business is not only the realization of the vision of an entrepreneur but involves the efforts of many individuals and multiple resources. Accounting is one such resource. In order to ensure a smooth functioning of each segment of the business organization, a business employs various employees. Keeping in-house employees for accounting work can prove to be a costly affair. The employees need to be given huge salaries plus allowances like medical benefits etc. Accounting outsourcing solves this problem by providing cheap working force to maintain the books of accounts.

Maintaining the books of accounts is a monotonous process. Only experts and professionals can do this type of work. However, accounting is an important task in any business. It is essential to maintain the accurate record of each and every transaction on a daily basis. Most of the business houses have realized that if they opt for accounting outsourcing facility, they stand to gain a lot. There are multiple advantages by opting accounting outsourcing services. The biggest advantage is that the business owner can save hundreds of dollars in salary, which have to be given to in-house employees. This is because accounting outsourcing service providers charge less for his services. Accounting outsourcing work is done by qualified accountants who carry out the accounting work using the latest accounting software. The accounting professionals must keep in mind that the records must be maintained accurately. A slight mistake can pave the way to big problems. Deciding the financial position of the business firm can go wrong with a single error in the books of accounts.

By handing over the work to accounting outsourcing professionals, one can be rest assured that that the accounts work will be maintained in a proper and accurate manner. The work done by accounting outsourcing professionals helps in providing instant access to financial records. Tax auditors can access to these records easily. Maintenance of proper records gives an excellent impression of the company in the eyes of auditors, investors, creditors and general public. The business organization is freed from the time and costs involved in hiring the in-house employees. This time and money can be utilized in other areas through which the business organization can reap benefits.

Accounting outsourcing services provide a comfortable and secure option for maintaining the growth and expansion of business. Since the accounting outsourcing professionals update the work on timely basis, the decision makers can move to the next step while keeping in mind the financial position of the business. It is important to hire a reliable and competent accounting outsourcing firm to carry out the accounting work for a business house. Now days, research can be done through online mode also. One can search on the internet and choose the most suitable service provider. This process is hassle free. It saves both time and efforts as there is no paperwork involved in this process. Opting for the services of accounting outsourcing professionals can give an edge to the business over others.

Credit Report Gives Larger Picture of Financial Record

Credit report is an important financial document which reflects your monetary practices, and facilitates a creditor to scan for ascertaining terms and conditions of loans. Viewing 1 credit report from any of the 3 reputed bureaus may alert you about your state of affairs but may leave out some scope of information. The situation of not being able to decipher this missing information may be detrimental to your financial well-being, and that is why most advisors suggest 3 in 1 credit report.

3-in-1 credit as is indicative refers to a financial record as presented by the 3 major credit bureaus. These well-known bureaus can be accounted as Experian, Equifax, and TransUnion. The credit report formulated by any of these bureaus employs the same information; however, it’s the way of presentation that varies. In this manner, this type of credit report could serve as an overview of your financial record as visible to others.

This sort of a credit report is beneficial for viewing 3 different versions of the same information. Scanning through this credit record facilitates the consumer to make comparisons, and even catch up with any missing information in any 1 of the credit reports. In short, it could benefit you to understand several aspects in a more comprehensive fashion.

Emergence of the online credit report providers is on the ever increase, which has made accessibility to this important financial document even easier. The shortage of time is the chief excuse that is employed for not availing things, but the online accessibility of credit report can up to an extent minimize the hassle to avail them.

The online providers usually require you to register by a step-by-step procedure which generally simple. After achieving this registration, the consumers are permitted these services by means of the login name and password. While choosing an appropriate credit reports online providers, authenticate it before embarking upon its services. Check out the terms and conditions to avoid any complications later on. This approach is also beneficial in understanding the conditions that you would require to abide by for accessing the financial document.

Financial Records That Limited Liability Companies Must Maintain in Florida

According to Florida statutes, a LLC is a kind of business entity which is carrying a character of both a corporation as well as of sole proprietorship. As per chapter 608 of Florida statutes, there are certain laws with respect to a Limited Liability Company that makes it mandatory for them to maintain certain financial records as follows.

Department Of State Filing: All Florida LLCs are required to maintain a copy of filings that they do with Florida Department of State. This may include articles of organization, certificates regarding conversions, power of attorney and all other documents that a LLC has filed with the Department Of State. The LLC should also maintain an annual report which is to be submitted yearly to the Department Of State. This annual report should contain the formal name and address of the LLC, date of formation, and date of getting business licence. Full address of registered business and name of registered agent must be mentioned in the annual report.

Financial Records: A LLC in Florida must maintain records related to their financial statements for last three years. Statements of financial records may include details of cash the LLC is having, total value of LLC’s total assets and properties, details of amount each member contribute to the LLC. Last but not the least is that a LLC must maintain a record of procedures by which the LLC would stop functioning. The LLC is also required to maintain an agreement letter for the condition when company is dissolved and there is a division of assets amongst members. They are obliged to keep a record of times and locations of all the meetings the LLC members conducted in the past one year.

Tax Records: According to rules laid by chapter 608 of Florida statutes, a Florida LLC is advised to keep all records pertaining to taxation of the last three years. These documents may include income tax statements of federal, state and local area taxes. This totally depends on the Board of Directors of the LLC to decide whether to get taxed as a corporation or as a sole proprietorship company. In any case, the LLC must keep all their tax related documents intact of the last three years.

Personal Information: A LLC in Florida is required to keep all the details of their personal information at their registered office. This personal information includes full names and addresses of the members, managers, the resident agents and all other important members holding important designations. Members of LLC are basically the owners or those shareholders who hold equal number of shares. Since a LLC is more like a hybrid business entity these shareholders can also manage the company.

It is Easy to Maintain Financial Records with Accounting Outsourcing

Money, indeed, makes the world go round and it holds true for a business enterprise too. Unless a business manages its funds in a proper and accurate manner, it will have no chance of earning a profit as the funds can be easily misplaced or misappropriated. Hence, every business ensures that there is a separate division that is exclusively devoted to maintaining the accounts of an organization on a day to day basis. However, this can be financially draining for the organization to hire professionals just to maintain the accounts of a business and the easier way out seems to be accounting outsourcing to a vendor in a country like China or India. As more and more corporate enterprises realize the multiple benefits of this decision, the process of outsourcing this kind of work is achieving ever increasing popularity.

Accounting outsourcing involves handing over the work of maintaining financial records and accounts of a company in a systematic manner on a day to day basis, by professionals outsourced by the company. The professionals are not only qualified to handle the accounts of your company in an accurate and systematic manner but they also would cost you a lot less. The reason for this financial difference is that labor is much cheaper in countries like India and China than in the western countries. Also, the accountants are comfortable in using any software that is available in the market, hence you as a client, could ask them to continue maintaining your accounts with a software that your company is already used to.

It helps to opt for accounting outsourcing because you have ready and instant access to accurately and chronologically maintained financial record of your business on a day to day basis. Whenever you require the records for your perusal, the vendor could have the necessary files send to you over the internet which makes it an instant transaction. Such instant availability of accurately maintained records comes in handy when a company auditor needs to review your financial records or you need to submit your taxes or even while filing returns. Also, having your financial records in place helps to give your company more accountability and credibility in the eyes of the investor, customer, lender, creditor, supplier and the general public.

In order to plan future growth path for your business, you need to know where you stand in the market. An accurate idea of this can be provided by your financial records. It therefore helps to go in for accounting outsourcing so that you have proper records of every day’s income and expenditure. Each transaction contributes to the creation of a journal entry, profit and loss sheet, balance sheet and other accounts of a company. When a competent and reliable third party is handling these issues for you, the company is bound to make progress and you can concentrate on other aspects of your business in a better frame of mind too, knowing that your finances are in good and dependable hands.