AP Audit Articles
- Best Practice Steps You Can Take to Proactively Avoid the Recovery Audit – Duplicate Payment DilemmaDuplicate payments can be among the most nagging issues for any A/P department. They take time and resources to research, yet the longer you wait to uncover them the harder it can be to recover the funds. Implementing a proactive approach to avoid the risk of duplicate payments can save your company thousands of dollars Read More... […]
- Lavante Expands Customers, Adds Innovations in Technology, and Experiences Revenue Growth in 2011It’s been an incredible time at Lavante over the last year, and the excitement continues into 2012. I covered some of the advances Lavante made last year in a short video segment, but I wanted to talk about a few other areas, namely around our technology advances and the benefits our customers say that Lavante Read More... […]
- Lavante and Basware Launch 2012 Future of AP Seminar Series in Houston, TexasOn Thursday, February 16, we were happy to co-host the first of a our Future of AP: Five Top Changes Coming to AP lunch & learn series in Houston, Texas. We had a record turnout, with a great cross section of companies represented – across industries and size of organization. As usual, the session offered Read More... […]
- How One Healthcare Provider Applied Lavante to Clean Up Vendor File and Drive Recovery Dollars – Recapping a Recent Industry Conference SessionLast month at the IFO’s HPAS conference I had the pleasure of co-presenting a session with Jennifer Barnett, former AP Manager of Summa Health and current AP Manager for Walmart Foundation. The session, entitled Moving Beyond Manual Processes to Improve AP Efficiencies, focused on how while at Summa Health, Jennifer had worked to move away Read More... […]
- Benefiting from a Prescription for Clean Data: A Case StudyA recent case study developed by Spend Matters details how a North American and global procurement organization for a top five pharmaceutical company applied a defined exercise and solution implementation from Lavante to discover where it had excess risk exposure, lack of policy compliance, over payments and other cost driving issues. The procurement organi […]
The threat of foreclosure can be very demoralizing and alarming if you don’t know what you’re facing. If you know the steps leading up to foreclosure, you can do something about it. That’s why you need to take the time to learn the foreclosure process and save your family from mortgage foreclosure.I like to share this interesting Dutch article geld lenen zonder bkr toetsing.
Read more on Home loan foreclosure, don’t let it happen to you…
Filed under News by on Aug 26th, 2010. 
A chapter 7 case begins with the debtor filing a petition with the bankruptcy court serving the spot in which the individual lives or where the business debtor is organized or has its principal corporate office or principal assets. (3) As well as the petition, the debtor should also file to the court: (1) schedules of assets and liabilities; (2) a schedule of current income and expenditures; (3) a statement of financial affairs; and (4) a schedule of executory contracts and unexpired leases. Fed. R. Bankr. P. 1007(b).
Debtors must provide the assigned case trustee with a copy of the tax return or transcripts for the most recent tax year as well as tax returns filed over the course of the case (including tax returns for prior years that had not been filed when the case began). 11 U.S.C. 521. Individual debtors with primarily consumer debts have additional document filing requirements. They need to file: a certificate of consumer credit counseling and also a copy of any debt repayment plan developed through credit advice; proof of payment from employers, if any, received 60 days before filing; a statement of monthly net revenue and any anticipated surge in income or expenses after filing; including a record of any interest the debtor has in federal or state qualified education or tuition accounts. Id. A husband and wife may file a joint petition or individual petitions. 11 U.S.C. 302(a). Even if filing jointly, a husband and wife are subject to every one of the document filing requirements of individual debtors. (The Official Forms may be purchased at legal stationery stores or downloaded from the internet at www.uscourts.gov/bkforms/index.html. They are not available from the court.)
The courts must charge a $245 case filing fee, a $39 miscellaneous administrative fee, and a $15 trustee surcharge. Normally, the fees ought to be paid towards the clerk of the court upon filing. With the court’s permission, however, individual debtors may pay in installments. 28 U.S.C. 1930(a); Fed. R. Bankr. P. 1006(b); Bankruptcy Court Miscellaneous Fee Schedule, Item 8. The quantity of installments is limited to four, and the debtor must make the final installment no later than 120 days after filing the petition. Fed. R. Bankr. P. 1006. For cause shown, the court may extend the time of any installment, provided that the last installment is paid not later than 180 days after filing the petition. Id. The debtor may also pay the $39 administrative fee and the $15 trustee surcharge in installments. If a joint petition is filed, only one filing fee, one administrative fee, and one trustee surcharge are charged. Debtors should be aware that failure to pay these fees may result in dismissal of the case. 11 U.S.C. 707(a).
If the debtor’s income is less than 150% of the poverty level (as defined in the Bankruptcy Code), and the debtor is unable to pay the chapter 7 fees even in installments, the court may waive the requirement that the fees be paid. 28 U.S.C. 1930(f).
In order to complete the Official Bankruptcy Forms that make up the petition, statement of financial affairs, and schedules, the debtor must provide the following information:
Filed under News by on Aug 26th, 2010.
You can compare a trend to a river. It is always easier to paddle in the direction of the river! Your speed of paddling can be assisted by the speed of the current. For if the current is real strong, you can make a fortune. What this means is that trading a strong trend can be highly profitable. But how do you determine whether the trend is real strong or not? Now, if the trend is real strong and persistent, it is very likely that big money of institutional traders is at work. Watch this Freedom Forex Formula videos that show how to build a $34 million forex account from scratch using nothing but simple forex methods. Download this special manuscript the explains the forex method in step by step detail FREE. You should not miss these forex training videos. They are full of premium content. Learn this Fibonacci Retracement method FREE that pulls 500+ pips per trade! Get this 1 Minute Forex Trading System FREE!
Filed under News by on Jul 24th, 2010.
During the course of the years, there have been a number of major changes in the field of wireless credit card processing. This is because more and more people see the need for this as a way to increase productivity in business. These gadgets used to be bulky and they often function poorly.But nowadays, because of the recent advancements that have taken place in the field of credit card processing, units now are more able to process payments with accuracy and efficiency. Several ones come in compact sizes that are small enough to fit perfectly in a pocket. This means they can be carried anywhere where processing payments are required.If receipts are necessary, these small but effective gadgets can be connected to any thermal printers.Having a gadget like this will lessen the transaction period and therefore, you will be able to handle more customers in less time.
A number of manufacturers also include various features that would be helpful to the consumer. A recording tool is just one of these features. This enables the merchant to examine the previous transactions when needed. In addition to that, a gadget like the usb card swiper comes with software which allows the frequent online shopper to save his credit card details and use it when it is time to make purchases online.
A suitable card processing terminal is a crucial piece of equipment for any kind of businesses which involve credit or debit card payment processing.Choosing a card terminal adds another dimension to the aspect of wireless credit card processing system. Selecting a card terminal is another important aspect in utilizing wireless credit card processing system.)The task of looking for the right terminal should be done carefully.The manufacturers or models vary in many ways.There are a number of applications and features available. A terminal can work perfectly for one type of business but fails to do well with another type.There are terminals that are fitting to the mobile businesses but worthless for the ones that have online payment transactions. That is why it is important that you have at least a basic knowledge about this matter before you finally acquire a credit card terminal.This could either be one of your greatest investments for your business or a mishap that will lose you a great amount of potential sales.
There are several important things you should keep in mind when choosing a credit card terminal. The first step in choosing is to determine the one that is exactly appropriate for your needs. On the whole; doing money transactions comes in three primary types. This involves online processing, mobile processing, and point of sale processing.The encryption software should be modified or updated whenever you need to. In addition to that, learning about the features that are included in a card processing terminal would be wise. These add-ons could give you a better ability to obtain more sales.
Read more on Wireless Credit Card Processing For The Modern Businesses And Consumers…
Filed under News by on Jul 23rd, 2010.
There are three easy ways to find facts on Security . Researching in all areas assists give you and your family a well balanced view on the subject area and you will be fully informed.
Filed under News by on Jun 23rd, 2010.
There are 3 easy ways to find facts on Team Building . Researching in all areas helps give you and your family a well balanced view on the topic area and you will be fully informed.
Read more on Where Can I Find Additional Facts on Team Building…
Filed under News by on Jun 23rd, 2010.
It is frequently said that step one to becoming the best investor is a simple one — switch off the Television.
Top financial channel — along with its competitors — will simply make you dumber and poorer.
Filed under News by on Jun 14th, 2010.
In your effort to locate the right financial planner for you, you need to meet with and assess candidates. How can you assess them though? Your first question should be about experience. You need to ask about past work experience in order to find out how that knowledge will be relative to your current situation. Ask how many years your planner has been in the business, how many companies have they been associated with and the types of companies as well. You will also need to find out about any special services your financial planner could provide, for example, if you will also be seeking investment advice, it is important to find a planner that knows how to work effectively in a downturn market and economy. You should inquire as to the prospective planner’s credentials. It is important to realize that the title “financial planner” is broadly applied to many different types of industry professionals. It is wise to ask any potential consultant what they believe qualifies them to provide sound financial planning insight. You may wish to secure proof of professional certifications including that of Certified Financial Planner or Chartered Financial Analyst. Possession of these types of credentials is evidence of long term commitment to the financial services industry and the knowledge necessary to pass certification testing. Another useful question to ask is what types of continuing education the planner intends to pursue in order to stay abreast of industry trends and changes. Find out what services the candidate is capable of offering. Proper licensing and credentials are required for many services. Lacking proper licenses, financial planners may not offer insurance or securities products such as mutual funds or stocks nor offer investment advice without registrations with state or federal authorities. Some planners are only eligible to give advice in particular areas such as tax matters or financial planning, while others are not licensed to sell financial products but can offer financial planning advice on a broad range of issues.
Filed under News by on Jun 14th, 2010.
With additional and more people dropping their houses to foreclosure and ï¬ling for bankruptcy each day, the current ï¬nancial dilemma is generating a ripple impact which is affecting all facets of society. In the event the economic climate continues to weaken, as many analysts think it will, the combined effects of foreclosure and bankruptcy will go on to operate to the millions. This signifies roughly a single in every single 50 families is going to be profoundly affected, and that is staggering to look at. The “silent epidemic” of cash complications is costing businesses $15,000 every 12 months per affected employee. Facing ï¬nancial uncertainty, burdened with debt, and besieged by bill collectors, workers are bringing their ï¬nancial concerns to the office at wonderful cost to their productivity. Without having proper attention to and management of those issues, corporate performance and proï¬tability will take a hit.
Read more on How Money Coaching Can Assist Employees With Economic Issues…
Filed under News by on Jun 14th, 2010.
If you are currently seeking the best mortgage companies you can trust, you will know that today there may be powerful competition between financial institutions in the US. On a yearly basis there are numerous new entrants within this business. These are furnishing numerous services, categories of loans and mortgages. They are marketing and advertising them selves like they are the top within this business. Having said that, it really is sensible to not forget that every mortgage provider in the US seriously isn’t good. It is your burden to discover best bad credit mortgage companies.
An organisation which has had virtually no disagreements is often a provider that one can have faith in. This implies that they’re serious about their company they usually offer their customers total satisfaction. Also you can test their duration in the business. Due to the high level of negatives which have been happening throughout, it might be advisable to pick out a organization that has been operating for several years at the very least.
When you’ve got a superb credit score and also a solid financial base, check out a key lender to provide you industry rates along with service fees. With next to fantastic monthly payment background and income belongings, you may bank on acquiring exceptional interest rates.
For getting possibly cheaper fees, perform some contrast searching on-line. Using a bank loan dealer can save you time in your search. You may also discuss even more rate discounts by paying out points at closing.
Trusted and seasoned poor credit home finance loan corporations can offer adaptable and also reasonable settlement techniques for acquired financial loans. They cater to individuals from any avenues of life and still provide 100% loans for his or her housing mortgage requirements. The repayment program is easy as well as reasonably priced. Many bad credit home loan businesses provide flexible strategies such as effortless pay back where the premium consists of the loan and interest, or interest-only payment wherein a debtor will probably pay merely the interest throughout the mortgage term period and will pay the full capital at the end of the term time period.
Poor credit mortgage loan organizations, otherwise known as sub-prime house loan businesses, make use of FICO scores to discover the borrowing worth of any man or woman. These kind of scores are offered with companies including Equifax, Experian and Trans Union Corporation. A FICO credit rating of less than 620 is normally considered less-than-perfect credit. Although mortgage agencies today don’t shirk from offering funds to poor credit men and women, they do not typically give any mortgages to individuals below FICO scores of 500.
Filed under News by on Jun 9th, 2010.