everything to know about auto insurance

Every auto owner must have auto insurance in order to drive their vehicle legally. You can get into serious trouble with the law if you do not have insurance in place and if someone hits you – or if you hit them – and auto insurance is not held by you or the other person, legal issues are not the only thing you will have to worry about. You will have to worry about how the vehicles will be fixed if they can be fixed and how doctors bills are going to be paid if someone is seriously injured.

If you get into an accident, the first thing you should do is make sure your auto insurance was in force at the time of the accident. Most insurance agencies have a 24 hour hotline for just the reason. If another person was involved, you will need to make sure their insurance is in force as well. The next step is to immediately contact the authorities so that they can help control the situation and charge whoever was at fault for the accident. This helps auto insurance agencies determine who is liable for any repairs or doctors bill. Having auto insurance is extremely important.

When you purchase a vehicle from an auto trader, a private person, or at an auction, you will need to contact your insurance agent immediately to let them know that you have purchased a new vehicle. Sometimes the auto trader will carry insurance on the vehicle they sold you for 24 to 48 hours in order to protect you until you can get your insurance in place. When you purchase a vehicle from an auto trader, always ask them about temporary insurance they may have in place. Additionally, always inquire about coverage for a new car with your agent before you purchase it. You may find that your coverage will be in force temporarily through your agent until you can sign or pay on a new insurance agreement.

If you get into an auto accident and your vehicle is considered a total loss, the vehicle may be used for auto parts if there are areas of the vehicle that are not damaged. Many auto salvage yards receive vehicles from accidents where auto parts can be salvaged and then resold for a reduced price to people who need them to fix up their own cars. Reliable auto salvage yards are a great source of auto parts that can save you some money if you are able to work on your own vehicle or know someone who can do the work for you.

Being able to prove that an accident is not your fault is key to making sure that you do not see increased auto insurance rates or are left out in the cold when they refuse to pay your claim. This is one of the reasons why a police report and unbiased witness accounts are important in an auto accident. If no report is filed with the police, then the cost of the accident will be split between you and the other party. This is not fair to you if you are not at fault, so always protect yourself and your investment. Never accept blame for an accident. Make the report in an unbiased way and let your insurance company determine the blame based on your information and the reports they receive. After all, this is what you pay them to do.

Top Ten Business Management Apps

Efficiently managing your employees and keeping them focused and on task can be hard work. Several programs exist to increase productivity and maximise profit. They can automate the most time-costly processes involved in running a business. These applications are the best ten of the bunch in my opinion.1. Tree.io
Tree.io is in my opinion the best new business management software out there. It combines a powerful project management tool with functional sales and CRM tools, plus a superb personalised support service that empowers your support staff. The project management section is incredibly easy to use. You can create milestones to give your employees something to work towards, move tasks between projects with a few clicks and your employees can log time worked on each specific task. I really cant recommend Tree.io highly enough. Its like Basecamp, Salesforce and Helpdeskpilot rolled into one!Tree.io is free indefinitely for up to 3 users so it’s perfect for small businesses or startups. Their pro plan allows unlimited users and is £9 per user per month.2. GoogleDocs
GoogleDocs is the perfect way to manage and share your business documents. All your documents, spreadsheets, presentations and reports can be uploaded from your desktop within minutes and viewed and edited by the members of your team. It even has support for mobile devices so you can access your documents on the move. GoogleDocs is invaluble for businesses who need to share their documents instantly between employees, clients and suppliers.

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To use GoogleDocs you need to create a Google Account. This is completely free of charge and gives you access to all of Googles other services like Gmail, GoogleTalk etc.3. Solar Accounts
Solar Accounts is a simple, easy to use accounting software for small businesses or self employed individuals. It features double-entry bookkeeping, transaction history, customisable invoices and instant access to your financial records.You can get Solar Accounts for free for a 60 day trial period but after that you have to pay a one-time fee of £124.99 to continue using it.4. agreeAdate
agreeAdate is a really useful program for organising meetings, conference calls, appointments, staff interviews and more. You can quickly and easily find when people are free and then schedule a meeting or appointment that is convenient for everyone.Registering for agreeAdate is completely free. With the free membership you can plan events for up to 10 people. If you need to create events for more people you can upgrade to a premium account for $3.99 or $7.99.5. Toggl
Toggl is a helpful time-tracking app that supports live tracking or the timesheet approach, depending on how you run your business. Designed for large or small teams, Toggl lets you assign different rates to each team member or each product or client. With support for mobiles and multiple languages, Toggl is invaluable for businesses that want to keep track of every minute.However, you don’t get all this stuff for free; Toggl’s prices range from $5 a month for 1 user to $79 a month for max 40 users.6. GoToMeeting
GoToMeeting is a tool that enables you to host an online conference for up to 15 people at a time. Using this app you can share your screen with all the attendees, hand over keyboard control to another attendee, and change who’s screen is being shared.GoToMeeting is free for a 30 day trial period and after this it costs £29 a month.7. SageOne Accounts
SageOne Accounts is online accounting software like Solar Accounts but you don’t have to download anything. With SageOne Accounts you can view an instant snapshot of your businesses performance, automatically keep on top of VAT and keep all your customers and suppliers in one place. SageOne also features a 24/7 telephone helpline in case you get stuck and you can access it anywhere with an internet connection.SageOne is free for 30 days and costs £10 per month after that.

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8. NetSuite
NetSuite is a business management software that’s been around for a while, hence some of its features are a little dated. With NetSuite you can manage your businesses finances, customer relations and ecommerce from one program. It’s designed for large businesses and corporations and has a price to match: $1,188.00!9. Mozy
Mozy is an online backup service that allows you to keep all your files safe even if your office explodes. You can select the files you want backed up and Mozy will archive them either in bulk as you sleep, or in real-time as the files are modified. Your information is kept secure with military-grade encryption and strict security policies.Mozy costs £3.99 per month for a desktop and £6.99 per month for a server.10. Vyew
Vyew is an online collaboration program that lets you work together with colleagues all over the world in real time. Vyew gives you a simple whiteboard where you can share ideas, upload documents for discussion or even share your desktop.Vyew is totally free for up to 10 live participants, but if you register for $9.95 a month you get rid of the adverts and you also get a host of additional features such as VoIP and multiple meetings.

Implementing New Business Management Software – 7 Ways to Make it Smooth and Seamless

As a very small business or a business just getting started, you might be using an entry level accounting system where the investment in training and configuration is minimal because the product is fairly easy to use. Often these systems are ideal until your business begins adding more users and your business processes become more complex than what the system can support.When a small business decides to implement a new accounting or business management system, it cannot shut its doors or stop day-to-day responsibilities to install, configure, and test a new system. Also, it cannot expect to start using a new system without investing time to consider potential improvements to existing business processes or train end users and migrate historical data.This is where the role of your solution provider or consultant is critical. Top solution providers efficiently transition you from your old system to your new system with minimal downtime for your staff. In addition, your solution provider will continue supporting the solution for you as your business grows and evolves.When choosing a new system, your choice of a solution provider should carry as much weight as the product itself. Here are a few things to look for when choosing a solution provider:

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1. Understands Your Business and System Needs
A software provider should understand your business and business processes to interject which processes can be more efficient. The provider should listen to you, give good examples of how the system should work, and ask good questions, not just about software, but also how your people work, who they are, their skill sets, and how they would use the application.2. Exhibits Exceptional Knowledge About Their Product(s)
It is a must for your software provider to thoroughly understand the functionalities, capabilities and intricacies of their solutions and coherently explain those to your end users so you optimize your investment and use the business management system to its fullest potential for your organization.3. Knowledge of Other Products and Solutions
A good solution provider makes sure you understand what you are looking for and know ahead of time what the expected returns and benefits will be. If you do not know what you need to do well versus what a business management system does well, you can get trapped into buying a system because of something it does that is not important to you. System selection prepares the client for the sales cycle, gets their information together, and allows them to quickly eliminate inappropriate systems.4. Proven Approach to Implementing
Entry level accounting systems can often be implemented by following the software vendor’s checklist. However, mid-level systems require more planning and testing because there are many different configuration options to make it adaptable to your business processes. The top solution providers have developed and can explain to you their approach to implementing the system. The approach should include options for functional design, pilot testing, data migration planning, a cut-over strategy and ongoing support.5. Communication
When evaluating systems, many businesses are first introduced to a salesperson and may not have the opportunity to assess the communication skills of the consultants who will eventually be assigned to the project. A top solution provider will have an approach for communicating with the client regarding project status and budgets. Also, your solution provider is often preparing deliverables to you, including procedures documentation, end user training guides and more – a top solution provider can provide sample documents that demonstrate their ability to communicate in these areas.

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6. System Cut-Over
When your company starts using the new business management system, your comfort level must be established by the solution provider. That can take anywhere from 30 days to six months, depending upon the client and how significant the changes are in IT and business processes. During this time, your solution provider should still pay attention to you, check in to make sure things are working the way they were expected, and provide any additional support and training your end users need.7. Ongoing Support
Many businesses begin realizing a positive return on their investment in a new system within the first 12 to 18 months. The project and your relationship with your solution provider should not end there. As your business grows and evolves, you want some assurance that your solution provider is always looking after your business – recommending improvements to business processes, assessing new modules or tools and their impact on your business, or offering user groups where you can interact and share ideas with other end users. The top solution providers make these and other services available to you for as long as you own the system.

Types of Business Management and Accounting Degrees

If you’re in the middle of choosing an appropriate business program for yourself, you may already know that you have tons of options to choose from. There are a number of degrees available at business schools, and among them is a business management and accounting degree.An associate’s degree in business management and accounting is a great stepping-stone to a business career for individuals who are not able to afford a bachelor’s program. Here’s some helpful information about the associate’s degree in business management and accounting.Course DurationAn associate’s degree can be earned in approximately two years’ time. Some schools may offer accelerated versions of this program, allowing students to finish their coursework in less-than-normal completion time. However, such programs may be more intensive and provide fewer breaks, so make sure that you are up for the challenge before you sign up.Because of its shorter duration, graduates of an associate’s degree are able to join the workforce that much sooner. Spending less time in college also means students are able to save on costs like accommodation, transportation, parking, books and supplies, and personal expenses.

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Additionally, business management schools may even offer flexible schedules for an associate’s degree program. Some may hold classes in the evening, while others may allow students to take courses online in order to provide them the option of choosing the schedule and mode of learning that’s most convenient for them.CourseworkCoursework involved in a business management and accounting degree is designed to provide graduates a diverse set of skills and broad base of business intelligence.Such a program typically combines courses in business concepts, management principles, technology, and liberal arts. So, you may find yourself learning topics like accounting, business practices, marketing, finance, and entrepreneurship along with courses such as computer fundamentals and communication. The coursework also depends on the concentration you choose.Depending on the school, you may be able to choose interesting concentrations with your degree. For example, a particular business management school in San Diego offers emphases like event planning and retail sales.An associate’s degree in business management and accounting, in addition to preparing you for entry-level business positions, provides an ideal pathway into a bachelor’s business program. In fact, it may make you eligible for the completion bachelor’s programs that some business management schools offer.Career OpportunitiesAn associate’s in business management and accounting degree can open the door to entry-level administrative service manager positions. Graduates may also be able to secure office manager positions in smaller businesses.

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The core job of an administrative service manager is to take charge of an organization’s operations and make sure the organization functions smoothly. However, the specific duties and responsibilities of administrative service managers depends on the level of authority they have and the size of the organization. Graduates of this program may also be able to pursue entry-level accounting or bookkeeping positions.Available career opportunities depend on the specialization you choose with your degree as well. For example, a retail sales emphasis program prepares graduates for entry- to mid-level positions in retail environments.Once you’ve decided to invest your future in this degree program, start looking for business schools that meet your location and budget requirements. Get a list of colleges in San Diego or any other city that you can see yourself living in for a few years and start the enrollment process!

Securing Your CRM, Accounting and Business Management Systems

One of the biggest challenges organizations now face is adequately securing the data held in their CRM, Accounting and Business management systems. And securing these means protecting the software, hardware and networks they run on.There are a number of ways an organization can be attacked; traditionally the main methods of sabotage were viruses and emails. These methods of attack are still prevalent and they have increased in terms of technicality. Viruses for example can now spread worldwide within a number of hours and can have devastating effects on a business’s profitability.The threat posed from emails has also changed significantly. For most individuals, receiving Spam is now part of the daily routine. However, aside from unsolicited emails being annoying, spam can be offensive, fraudulent and dangerous. In addition, it also takes up valuable space on an organizations server which can prevent business critical information getting through.Most organizations are aware of the risks which are posed by external sources and have processes in place to protect against them. Internal threats on the other hand are often not adequately protected against. This may be because organizations are either not aware of them, or do not know how to secure their systems against them.

Internal threats are a result of the developments in portable storage and personal devices such as iPods, USB drives and mobile phones. These devices have made it easier than ever for an employee to copy large amounts data from your CRM or Accounting system and either take it with them when they leave a company or sell it to competitors. It doesn’t have to be deliberate either – data can be lost or mislaid by accident so have the potential to fall into the wrong hands. There are some high profile news stories about this, including cases of confidential information being lost or stolen, such as this BBC news item.Losing data, either deliberately or accidentally, is called Data Leakage. It is something which has the potential to have a substantial negative impact on organizations profitability and needs to be prevented. According to recent research, 59% of people who have lost their job recently have admitted to taking data with them when they left.With so many varying types of threats facing organizations and so many different products to protect against them, it can become difficult to understand what you are protected against and which product best suits your organizations requirements. Often organizations think they have all the protection they need, but in actual fact they are only protected against one type of threat leaving them wide open to attack. What certainly has become evident is that all organizations need to have processes in place to protect against every type of threat.So what do you need to protect your CRM, Accounts or Business Management system? There are a variety of different security products available, including:Full security, anti-virus and firewalls
Anti-Virus software will typically protect your organization from viruses, Trojans, spyware and adware. Anti-Virus software is often easy to use and quick to set up.Anti-spam
Anti-Spam software is designed to reduce the number of unsolicited emails which an organisation receives. Typically anti-spam software will feature not one, but two anti-spam engines to give administrators a high capture rate.Back-up, system continuity and maintenance solutions
Back-up solutions provide organizations with a method of automatically archiving emails. This therefore frees up space on a business’s server to allow business critical information through. Back-up systems usually have a search tool where employees can search for a specific document.

Data Leakage protection
This provides administrators with a way to actively manage user access and allow them to log the activity of all portable storage devices.Your organizations CRM and Accounting systems are an invaluable source of data and they contain all the information which potential attackers need to have devastating effects on profitability. Subsequently comprehensive protection is vital. You need to secure your systems from both internal, as well as external threats – taking a holistic approach and using a variety of different techniques and products available. Once in place, keep your security up to date all the time – it’s important that whoever implements you security will provide on-going maintenance and support.  If in any doubt, contact a security specialist to assess which security product, or combination of products, are right for your organization.

Accounting Business Management Software – What Are My Options?

When it comes to choosing the best accounting business management software for your business, the good news is that in Lahore, you’ve got a number of options. So how do you decide which one will work best for you? The answer really depends upon your business needs.There are two main types of accounting or business management software’s available to you: locally developed or mature ERP packaged software. While the locally developed options may offer more customizable features, it’s often more risky to both purchase and obtain ongoing support as the developer:
May possible not have the skills and experience to develop business management software which your business depends upon for its survival.
May be a small software house, (less than 20 people) and may close operations at any time.
May be able to actually deliver business management software, but does not have the depth of IT project management experience or skills to actually implement it in your organization.
Mature ERP packaged software generally offer the least risky option for business critical functions like operations, supply chain management and finance because:

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You’re buying a product that is already proven to help thousands of organizations around the world to survive and thrive. 
Your buying a product from some of the largest software houses in the world, (Microsoft, SAP Ag, Oracle)
Local Partners of Mature ERP packaged software focus upon your business processes and training of your employees to use the software.
To help you choose the best accounting / business management software for your business, here are a few specific things you need to consider while you’re doing your research:The size of your business. A business that generates Rs50, 000 in sales each day has very different needs than a multimillion-rupee business. If you’re a larger firm, don’t under buy when it comes to software because you’ll only get something that will leave you short from fulfilling your needs.The industry you’re in. What industry is your business in? Some industries have specialized software you may want to consider purchasing since it’s been designed with your specific needs in mind. Most of the time, industry specific software will be more expensive, but the benefits may outweigh the costs so be sure to do your research before buying anything.The functionality you need. What functionality do you want within the software? Locally developed software is very basic, having just simple accounting and basic inventory features; Mature ERP packaged software’s are fully integrated and can include such modules as Budgeting, Purchase Order Processing, Sales Order Processing, HR and Payroll, Manufacturing, Project Accounting and so on.Available support. Purchasing the software is only the first step in the process. It’s important that you have available support, which may include local consultants, internet support, phone support, training options and more.Ease of use. When it comes to choosing software, this aspect is often overlooked, but it’s one that’s extremely important to take into account. No matter how inexpensive, if it’s too cumbersome or hard to learn, you and your employees will not use it. Keep it simple, stay focused on your business’s needs, and look for those programs that have easy interfaces and offer possible upgrades as your business expands.

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Ease of implementation of the new system. Developing software is a vastly different field from having the knowledge and IT project management experience to actually implement the software in an organization. As local developing software house tends to have core competencies in developing and not in IT Project Management it may not have gained sufficient experience in the fieldThese six aspects should play a critical part in your research and purchase of an accounting / business management software for your business. Remember, it’s important that you find the right tool to assist you in the management of your business, and cost should not be the only critical factor you take into account. It’s more important to find the right fit based upon need of the business and ease of use.My last piece of advice: It’s easy to get frustrated with any new software package, so be diligent about the implementation of it and know that there’ll be a learning curve. The benefit will be that you’ll have an organized accounting / business management system that can provide quality financial and operational data for you to utilize as you grow your business.