Brea Accountant-Focus CPA Goup:(562) 281-1040 » People http://www.breaaccountant.com Focus CPA Group Is Your Orange County CPA! Fri, 03 Feb 2012 22:27:55 +0000 http://wordpress.org/?v=abc en hourly 1 The Painless Guide to Switching Checking Accounts http://www.breaaccountant.com/the-painless-guide-to-switching-checking-accounts/ http://www.breaaccountant.com/the-painless-guide-to-switching-checking-accounts/#comments Mon, 28 Dec 2009 22:40:51 +0000 admin http://www.breaaccountant.com/the-painless-guide-to-switching-checking-accounts/ The thought of trying to move your money and automatically scheduled bill payments from one checking account to another is often enough to prevent people from changing checking accounts. It may be easier to just stick with what you’ve got, but if you want to maximize your earnings or benefit from features offered through another banking institution, you’ll have to be willing to do a little legwork to switch your money and any automatically scheduled payments from one checking account to another. While it may seem overwhelming at first, you can just follow this guide for virtually painless switching of checking accounts – and you’ll be set up in no time!
Step 1: Review The Previous Month’s Statement for Automatic Payments
If you have online banking with your current checking account, log in and view last months transactions. If you don’t have online banking set up, get out your paper statement for the last month. Make a list of any payments that are automatically deducted from your checking account (meaning you do not physically write and send a check or initiate the online payment yourself).
Make another list of any items that you regularly initiate an online payment for – these are transactions that don’t occur automatically, but you don’t write checks for them either. You’ll need to update your payment information in the online accounts of these creditors in order to continue making your payments through this method.
Step 2: Direct Deposits and Automatic Savings Transfers
Make another list of all income sources that are directly deposited into your checking account. Typically this would be your payroll direct deposit from your employer; but may also include child support or other direct deposit transactions.
If you have set up an automatic savings plan through your checking account, you will want to write down the details as well, so you remember to cancel the automatic transfer from checking to savings and to set it up again with your new checking account.
Step 3: Open the New Checking Account
Open your new checking account with a small deposit to get it set up if your funds are limited; if you have access to a sizable amount of money you can make a larger deposit and immediately start setting up your automatic bill payments again through this new account.
Order your checks if you use physical checks, and take note of the routing and account numbers for your new account. You will need this information to start transferring your automatic payments, direct deposits and automatic savings transfers.
Step 4: Cancel Automatic Payments and Savings Transfers
From the lists you’ve created, contact each of the creditors who receive their payment automatically through your old checking account. If you don’t have a lot of money in the newly opened account, simply cancel the automatic payment and inform them you will be mailing your next payment manually. If you were able to open your checking account with a good amount of money, you can just switch the payment details from your old checking account to your new checking account without interrupting the automatic payment plan service, and avoid having to mail a check manually.
If you have an automatic savings transfer, you can choose to temporarily stop it while you are setting up the new checking account or again, if you have enough money in the new account already simply switch the details to the new account and resume making your automatic savings transfers through the new account immediately.
Step 5: Change Payroll Direct Deposit
Once you are sure there are no more automatic payments and savings transfers coming out of your old checking account, you can switch the payroll direct deposit (and any other sources of income that gets directly deposited) into your new checking account. Sometimes this takes one to two weeks to make the change, depending on the employer and the payroll department.
Step 6: Set Up Automatic Bill Payments and Savings Transfers
As soon as you see your first payroll direct deposit going into the new checking account, you can refer back to your list and re-set up the automatic bill payments again if you weren’t able to do that at the same time as opening the checking account.
You will also be able to automatically transfer your money into your savings account once you set it up to withdraw from the new checking account.
If you had creditors and expenses that you would log into the website and initiate a payment, now is a good time to log into each of your accounts and update the payment method section of your profile. This will tell the account where to pull the money from – and you’ll be able to specify your new checking account details for making payments here on out.
Step 7: Close the Old Checking Account, Enjoy the New One
After you’ve changed any automatically made transactions through the old checking account, verify that any outstanding checks or payments you’ve initiated have all cleared. As long as all transactions have posted to the account, at this time you should be able to safely close your old checking account and begin using your new checking account exclusively.

Debra Dragon is a freelance writer for DepositAccounts.com. She writes about how to make your money work better for you through various deposit accounts, including savings accounts, interest checking accounts, IRAs, and money market funds.
]]> http://www.breaaccountant.com/the-painless-guide-to-switching-checking-accounts/feed/ 0 How to Choose the Right Bookkeeper and or An Accountant that is suitable for you and your business! http://www.breaaccountant.com/how-to-choose-the-right-bookkeeper-and-or-an-accountant-that-is-suitable-for-you-and-your-business/ http://www.breaaccountant.com/how-to-choose-the-right-bookkeeper-and-or-an-accountant-that-is-suitable-for-you-and-your-business/#comments Mon, 21 Dec 2009 22:46:42 +0000 admin http://www.breaaccountant.com/how-to-choose-the-right-bookkeeper-and-or-an-accountant-that-is-suitable-for-you-and-your-business/ Ok so you?re either thinking about starting your own business or have already got it up and running and have managed for a while to get by managing your own books by yourself and are now finding all too much to keep on top of the paperwork.

It is an all too familiar position; most people have found that they keep telling themselves that they do it tomorrow or later or at the end of the week, and before you know it your deadline is upon you and your all stressed out to get it in on time, It?s time to get help!

Affordable professional help

Being a small and/or at home business owner are you tired of the lack of affordable professional help available?

]]> http://www.breaaccountant.com/how-to-choose-the-right-bookkeeper-and-or-an-accountant-that-is-suitable-for-you-and-your-business/feed/ 0 Putting Service First is Key at Danbro the Contractors Accountant http://www.breaaccountant.com/putting-service-first-is-key-at-danbro-the-contractors-accountant/ http://www.breaaccountant.com/putting-service-first-is-key-at-danbro-the-contractors-accountant/#comments Tue, 17 Nov 2009 23:37:01 +0000 admin http://www.breaaccountant.com/putting-service-first-is-key-at-danbro-the-contractors-accountant/ At Danbro, we understand the importance of looking after all of our clients. We recognize that customer service plays a key role in the success of a service including the Umbrella Service sector and is one of the main ways we differentiate ourselves from other umbrella service providers. With an ethos of “it?s always the small things that make a big difference”, we are constantly striving to ensure a high level of customer service. In order for DANBRO to maintain such a high level of service we are constantly carrying out training for all of our employees right across the company and pushing the importance of providing a quality service. We regularly receive feedback from contractors expressing their positive views about our service, many of which can be found on our website www.danbro.co.uk. One client recently explained, “the customer service is excellent and I trust the people at Danbro. Any queries are dealt with quickly and you never feel you are being ?fobbed off?.” (K. Berry, 04/2008). Evidence of this high quality service can also be found on many of the umbrella comparison websites, including Umbrella Supermarket and Bytestart. These sites compare the 100?s of different Umbrella Companies, helping contractors to choose the right umbrella company for them. Umbrella Supermarket?s rating system does not solely rely on the site?s personal opinions but compiles the votes of thousands of contractors. They recognize that a contractor?s experience of an Umbrella Company?s online facilities is very important together with customer service and of course the contractor?s net pay. Danbro is positioned second from top on the Umbrella Company League with an overall rating of 81%. This is a very encouraging figure not only for the contractors but the whole team here at Danbro.

Danbro are an Umbrella Company providing accounting services to thousands of Contractors and temporary workers throughout the UK.


As accountants for contractors we aim to:


MAXIMISE YOUR NET EARNINGS


MINIMISE ADMINISTRATION


GIVE YOU TOTAL PEACE OF MIND


Whether you choose to run your own Limited Company where prices start at just

]]> http://www.breaaccountant.com/putting-service-first-is-key-at-danbro-the-contractors-accountant/feed/ 0