HR and Payroll Software #opera #3,opera #ii,opera,gold,capital,unity,accounting #software,accounts #software,business #software,accounting,accounts,business,pegasus,uk,ireland,small #businesses,finance,financial,modular,integrated,32bit,32-bit,sme,smes,payroll,human #resources,hr,personnel,general,nominal,management #reports,cashbook,bank #reconciliation,banking,sales,debtors,purchase,inventory,traceability,stock,order #processing,invoicing,purchasing,sop,pop,ecvat,job #costing,costing,fixed #assets,bom,bills #of #material,work #in #progress,edi,crm,vat,bacs,electronic #payments,credit #control,manufacturing,mrp,engineering,distribution,epos,retail,wholesale,multi-currency,multicurrency,multi #currency,emu,euro,single #currency,xml,web #trading,ecommerce,web #reporting,internet,extranet,intranet,paye,ir31,p14/60,p35,inland #revenue #tax #credits,national #insurance,ssp,smp,student #loans,basda,custom #& #excise,windows,nt,resellers,dealers,partners,opera #ii #small #business,opera #ii #enterprise,excel #reporting,integration,excel #accounting #software,reporting,business #intelligence,olap,cube #analysis,performance #management,drill #down,management #accounts


#

Opera 3 Payroll & HR

  • Multi-user, with Company and Group password control and menu level access restriction
  • Full integration with Opera 3 Document Management
  • Links to the Nominal Ledger, Cashbook and Costing Financial modules of Opera 3
  • Definable cheque and payslip designs to suit Company stationery requirements
  • Create unlimited Companies with unlimited employees per Company
  • Weekly, fortnightly, four weekly and monthly paid employees can be maintained all in one company
  • Employee profiles for efficient employee record creation
  • Employee payment details and payslip images can be retained for up to 999 pay periods
  • Payslips from past periods can be reprinted at any time
  • Employees can be paid via BACS, reducing the time and costs required to process payments
  • Submit Year-End Returns via the Government Gateway using the Pegasus Online Filing Manager
  • In-Year P45(1), P45(3) and P46 file generation for online submission using the Online Filing Manager
  • Filtered Historical employee record processing to current legislative bandwidths
  • Automated Director’s National Insurance calculations
  • Multiple Pension Scheme management
  • Track report on key field changes for the Payroll year using the Audit Log
  • Backup and Restore facility
  • Fully automated SSP, SMP and SPP (Birth) processing and reporting, with complex legislation built in
  • Automated Attachment Orders processing and reporting
  • Retrospective NI code changes with automatic adjustment value calculation and processing
  • Caters for Holiday pay across year-end

Employee Records

  • Address, bank details and holidays
  • Tax and National Insurance To-Date details
  • Payments and deductions – permanent and temporary values, retained units and rates, zero this period facility
  • Quick calculation – showing net pay, total deductions and NI’able earnings
  • Retained History with payslip image drill down
  • Employee photograph attachment
  • Ability to embed documents, spreadsheets etc, via OLE technology

Reports

  • Departmental reporting
  • Payslip, cheque and BACS list generation
  • P35, P14 and P60 End-of-Year reports
  • P45(1), P45(3) and P46 In-Year reports
  • P11 Deductions Working Sheet
  • P32 employer’s Payment Record, with payment and funding recording and multi-company consolidation
  • This Period and To Date summaries
  • Comprehensive statutory payments, Attachment Orders and pension contribution reports
  • Additional Reporter module available, for the creation of your own reports

Pensions

  • Mixed Pension schemes per company
  • Stakeholder Pensions
  • Fixed amount
  • Percentage of definable figure
  • Group Personal Pension
  • COMP
  • COSR
  • Freestanding AVC
  • Up to three different LEL/UEL criteria
  • Employee diary showing sickness, holidays, maternity and compassionate leave, and training
  • Variable employee working patterns reflected within the diary
  • Accurate days, hours and minutes event recording and analysis
  • Keep records for up to 99 years, including job changes and salary updates
  • Pro-rata holiday entitlement and holiday carry-over

Help

  • Comprehensive, context senstive help

Extended Information Sources

  • Export information to Microsoft products such as Word and Excel
  • Send reports via e-mail
  • Payroll administrator and management reports delivered via e-mail
  • Regularly notify staff of remaining holiday entitlement automatically by e-mail
  • Automatically notify managers of Payroll requirement by e-mail

Clavell Capital Limited – NZ Merchant Bankers specialising in mergers, acquisitions, divestments, capital raising, IPOs and company sales in New Zealand #david #belcher, #merchant #banking, #mergers, #acquisitions, #divestments, #capital #raising, #ipos, #company #sales, #new #zealand


#

Clavell Capital Limited

David Belcher AFInstD

EXECUTIVE CHAIRMAN

David was elected a member of the Auckland Stock Exchange in 1981, initially as a partner of Bidwill Wakeman and Paine which became Paine Belcher Limited in 1984. On 4 June 2003 David became a foundation NZX broker after the corporatisation of the New Zealand Stock Exchange.

David is widely experienced in the areas of mergers and acquisitions, capital raising, sharemarket listing and corporate restructuring, both in New Zealand and overseas markets, having led transactions from approx. $10 million to over $750 million dollars. He has also acted as lead manager in over 25 IPOs on the New Zealand Stock Exchange.

David has also had experience in monitoring both listed and unlisted companies and was Executive Chairman of The New Zealand Wine Fund Limited and Vavasour Wines Limited from formation in 2002 until 2007. He is currently Chairman of RocPac Limited and a Director of Parents Inc. David has been a Director of numerous other listed and private companies. He is an Accredited Fellow of the Institute of Directors in New Zealand.

John Brabazon BCom, AFInstD, FFin, ACA

EXECUTIVE DIRECTOR

John’s professional qualifications include: a Bachelor of Commerce from The University of Auckland; an Accredited Fellow of the Institute of Directors in New Zealand; a Fellow of the Financial Services Institute of Australasia; and an Associate Chartered Accountant of the New Zealand Institute of Chartered Accountants.

His background includes investment banking at Banque Indosuez, Brierley Investments and Bancorp. Currently he is a director of Auckland International Airport Limited (New Zealand s fourth largest listed public company) and Chairman of Kern River Oil Corporation in the United States. He has been a director of numerous private and listed companies.

He has had involvement in all aspects of mergers, acquisitions, capital raisings and Due Diligence over a broad range of industries, leading Due Diligence assignments in New Zealand and internationally for over 25 years.

Charles Belcher BCom, BProp

ASSOCIATE

Charles joined Clavell in late 2007 after graduating with a Bachelor of Commerce and a Bachelor of Property from The University of Auckland. In 2008 he completed an internship at the Maxim Institute’s Centre for Tomorrow’s Leaders.

Charles has worked on wide range of transactions including as lead and co-lead on a number of significant projects.

In June 2014 Charles accepted the role of Chief Financial Officer for a large hospitality group, The Better Bar Company, which has subsequently been acquired by the listed company, Veritas Group.

Charles rejoined Clavell in late 2015.

Trevor Kerr B Com, ACA, ACIS, AFInstD

CONSULTANT / SENIOR ASSOCIATE

Trevor was an Executive Director of Clavell Capital Limited from 1994 to 2007. Trevor has significant transactional, operational, restructuring and corporate monitoring experience.

Prior to joining Clavell Trevor had wide executive experience, including a period as an operations executive with Brierley Investments Limited and as Managing Director and CEO of Skellerup Industries Limited.

Trevor was formerly a director of Ng i Tahu Holdings and Taylors Dry Cleaning and Lane Walker Industries and maintains strong links to his South Island heritage.

Trevor is currently Chairman of Cerebos Australia Pty Limited, Cerebos-Gregg s New Zealand Limited and Dominion Salt Limited. Trevor is also a director of AMI Insurance Limited and a number of other New Zealand companies.

Nick Houghton BCom

ASSOCIATE

Nick completed his qualification with a Bachelor of Commerce majoring in Finance and a Diploma in Languages majoring in Spanish at the University of Otago. Nick also graduated from the Venn Foundation Internship program in early 2014.

Nick manages his own property portfolio, and has work experience in commercial property at CBRE, and in the construction sector for Hawkins Construction.

Nick is involved in all aspects of the investment process, including due diligence, financial analysis and deal execution.

Zac Wu BBus

ASSOCIATE

Zac holds Bachelor of Business with Honours majoring in Finance at the Auckland University of Technology (AUT). Being fluent in English and Mandarin, he has strong insight into both New Zealand and Chinese business culture.

Zac is a winner of numerous awards including: Chartered Financial Analyst Global Research; Competition (2012 NZ Final); CFA University Examination Scholarship; and Sir Peter Blake Trust Leadership. In 2013 he represented New Zealand in financial modeling at the CFA Global Research Competition held in Malaysia.

Zac has work experience in private equity and chartered accounting.

Joanne Davidson

OPERATIONS MANAGER

Prior to joining Clavell Capital in 1996 Joanne had previously worked with the New Zealand Development Finance Corporation and PricewaterhouseCoopers in New Zealand and Citicorp Investment in the USA, in both administration and analytical/research roles.

Joanne undertakes a project management and analytical role for Clavell Capital mandates as well as overseeing the administration and corporate compliance/governance of the company.


Working Capital Definition – Example #finding #working #capital


#

Working Capital

Why it Matters:

Working capital is a common measure of a company’s liquidity. efficiency, and overall health. Because it includes cash. inventory. accounts receivable. accounts payable. the portion of debt due within one year. and other short-term accounts, a company’s working capital reflects the results of a host of company activities, including inventory management. debt management, revenue collection, and payments to suppliers.

Positive working capital generally indicates that a company is able to pay off its short-term liabilities almost immediately. Negative working capital generally indicates a company is unable to do so. This is why analysts are sensitive to decreases in working capital; they suggest a company is becoming overleveraged, is struggling to maintain or grow sales. is paying bills too quickly, or is collecting receivables too slowly. Increases in working capital, on the other hand, suggest the opposite. There are several ways to evaluate a company’s working capital further, including calculating the inventory-turnover ratio, the receivables ratio, days payable, the current ratio. and the quick ratio .

One of the most significant uses of working capital is inventory. The longer inventory sits on the shelf or in the warehouse, the longer the company’s working capital is tied up.

When not managed carefully, businesses can grow themselves out of cash by needing more working capital to fulfill expansion plans than they can generate in their current state. This usually occurs when a company has used cash to pay for everything, rather than seeking financing that would smooth out the payments and make cash available for other uses. As a result, working capital shortages cause many businesses to fail even though they may actually turn a profit. The most efficient companies invest wisely to avoid these situations.

Analysts commonly point out that the level and timing of a company’s cash flows are what really determine whether a company is able to pay its liabilities when due. The working-capital formula assumes that a company really would liquidate its current assets to pay current liabilities. which is not always realistic considering some cash is always needed to meet payroll obligations and maintain operations. Further, the working-capital formula assumes that accounts receivable are readily available for collection, which may not be the case for many companies.

It is also important to understand that the timing of asset purchases, payment and collection policies, the likelihood that a company will write off some past-due receivables, and even capital-raising efforts can generate different working capital needs for similar companies. Equally important is that working capital needs vary from industry to industry, especially considering how different industries depend on expensive equipment, use different revenue accounting methods, and approach other industry-specific matters. Finding ways to smooth out cash payments in order to keep working capital stable is particularly difficult for manufacturers and other companies that require a lot of up-front costs. For these reasons, comparison of working capital is generally most meaningful among companies within the same industry, and the definition of a “high” or “low” ratio should be made within this context.

InvestingAnswers is the only financial reference guide you’ll ever need. Our in-depth tools give millions of people across the globe highly detailed and thoroughly explained answers to their most important financial questions.

We provide the most comprehensive and highest quality financial dictionary on the planet, plus thousands of articles, handy calculators, and answers to common financial questions — all 100% free of charge.

Each month, more than 1 million visitors in 223 countries across the globe turn to InvestingAnswers.com as a trusted source of valuable information.


Regions Bank Jobs – Regions Business Capital Origination Manager in Chicago, Illinois, United States #regions #business #capital


#

Regions Bank Jobs

Regions Bank Regions Business Capital Origination Manager in Chicago. Illinois

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career — a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored for a set period of time. You may review, modify, or update your information by visiting and logging into the careers section of the system.

Regions Business Capital, a division of Regions Bank, provides creative financing structures for middle market and large corporate clients including asset-based and leveraged loans, trade receivable securitizations, supply chain finance, and receivable purchase facilities. The Regions Business Capital Origination Manger will originate loans by cultivating relationships with internal in-market commercial bankers and external referral sources as well as by direct company calling.

•Targeted loan size is $15 million and up

•Very high level of industry/product expertise

•Independently handles the most complex transactions

•Handles all aspects of client interaction, including directing and coordinating execution of transactions

•Assist customers in analyzing problems and propose Regions solutions

•Respond promptly to customer issues, questions and concerns

•Actively cross-sell bank products

•Exercise strong credit and pricing skills

This position is incentive eligible.

This position is exempt from timekeeping requirements under the Fair Labor Standards act and is not eligible for overtime pay.

•10 years of commercial banking experience including business development and relationship management, with at least five of those years in leveraged lending (asset based or cash flow)

At Regions, our culture focuses on five core values that are a commitment to how we will do business:

Put people first

Do what is right

Focus on your customer

Through these values, our mission to make life better drives our desire to improve and make a positive difference in the communities where we work and live through financial investments and volunteering.


Capital Ford of Raleigh NC #find #used #cars


#used cars raleigh nc
#

Featured Price: $12,500.00

Zip Code:

Additional Comments:

Get Coupon

Once you enter your information, your coupon will be emailed to you. If you have any questions, you can reach us at 877.660.1721.

Site Map

Raleigh NC Auto Dealer

Come visit us at Capital Ford, your local Raleigh mitsubishi or ford dealer. The staff at Capital Ford is ready to help you purchase a new mitsubishi or ford or used car in Raleigh, NC. When you visit our Raleigh area car dealership, expect the superior customer service that you deserve. With years of experience and training the Capital Ford team will get you into the mitsubishi or ford vehicle that is right for you. Get the new mitsubishi or ford or used car in NC that you have been looking for by calling 877.660.1721, or by visiting Capital Ford today. You’ll find great deals on new mitsubishi or ford and used autos at Capital Ford with our mitsubishi or ford leasing and financing offers. The Capital Ford team is committed to excellence and making your car-buying experience a positive one. We strive to earn your trust so that you’ll make Capital Ford your last stop when buying or leasing a mitsubishi or ford. Visit our mitsubishi or ford showroom in Raleigh and experience first-hand the level of service and satisfaction that will make you a regular Capital Ford customer.

When it comes to high quality, competitively priced used cars, trucks, vans and SUVs in NC, Capital Ford is the right choice. Capital Ford strives to maintain a huge selection of used cars by today’s top auto manufacturers. Get a used car in NC that has been though a detailed inspection by our trained service technicians and will run like new for many years to come. If you are looking for a used mitsubishi or ford in NC and need assistance, complete our Locate a Vehicle form and we will track down the used car you are interested in. Searching for a used vehicle near Raleigh? Browse our online inventory for your next Raleigh used car, truck or SUV. We are a mitsubishi or ford dealership in Raleigh, NC, with used mitsubishi or fords and many other used car deals in Raleigh, NC.


Capital Ford of Raleigh NC #rental #car #deals


#used cars raleigh nc
#

Featured Price: $12,500.00

Zip Code:

Additional Comments:

Get Coupon

Once you enter your information, your coupon will be emailed to you. If you have any questions, you can reach us at 877.660.1721.

Site Map

Raleigh NC Auto Dealer

Come visit us at Capital Ford, your local Raleigh mitsubishi or ford dealer. The staff at Capital Ford is ready to help you purchase a new mitsubishi or ford or used car in Raleigh, NC. When you visit our Raleigh area car dealership, expect the superior customer service that you deserve. With years of experience and training the Capital Ford team will get you into the mitsubishi or ford vehicle that is right for you. Get the new mitsubishi or ford or used car in NC that you have been looking for by calling 877.660.1721, or by visiting Capital Ford today. You’ll find great deals on new mitsubishi or ford and used autos at Capital Ford with our mitsubishi or ford leasing and financing offers. The Capital Ford team is committed to excellence and making your car-buying experience a positive one. We strive to earn your trust so that you’ll make Capital Ford your last stop when buying or leasing a mitsubishi or ford. Visit our mitsubishi or ford showroom in Raleigh and experience first-hand the level of service and satisfaction that will make you a regular Capital Ford customer.

When it comes to high quality, competitively priced used cars, trucks, vans and SUVs in NC, Capital Ford is the right choice. Capital Ford strives to maintain a huge selection of used cars by today’s top auto manufacturers. Get a used car in NC that has been though a detailed inspection by our trained service technicians and will run like new for many years to come. If you are looking for a used mitsubishi or ford in NC and need assistance, complete our Locate a Vehicle form and we will track down the used car you are interested in. Searching for a used vehicle near Raleigh? Browse our online inventory for your next Raleigh used car, truck or SUV. We are a mitsubishi or ford dealership in Raleigh, NC, with used mitsubishi or fords and many other used car deals in Raleigh, NC.


Claim capital allowances. #buy #any #car


#second hand cars uk
#

5. Business cars

You can claim capital allowances on cars you buy and use in your business. This means you can deduct part of the value from your profits before you pay tax.

Use writing down allowances to work out what you can claim – cars don’t qualify for annual investment allowance (AIA ).

Sole traders and partners

If you’re a sole trader or a partner you can claim simplified mileage expenses on business vehicles instead – as long as you haven’t already claimed for them in another way.

Employees

If you’re an employee you can’t claim capital allowances for cars, motorbikes and bicycles you use for work, but you may be able to claim for business mileage and fuel costs .

What counts as a car

For capital allowances a car is a type of vehicle that:

  • is suitable for private use – this includes motorhomes
  • most people use privately
  • wasn’t built for transporting goods

What doesn’t count

Rates for cars

The main and special rates apply from 1 April for limited companies, and 6 April for sole traders and partners. The first year allowances rate applies from 1 April for all businesses.


Claim capital allowances. #used #autos #for #sale


#second hand cars uk
#

5. Business cars

You can claim capital allowances on cars you buy and use in your business. This means you can deduct part of the value from your profits before you pay tax.

Use writing down allowances to work out what you can claim – cars don’t qualify for annual investment allowance (AIA ).

Sole traders and partners

If you’re a sole trader or a partner you can claim simplified mileage expenses on business vehicles instead – as long as you haven’t already claimed for them in another way.

Employees

If you’re an employee you can’t claim capital allowances for cars, motorbikes and bicycles you use for work, but you may be able to claim for business mileage and fuel costs .

What counts as a car

For capital allowances a car is a type of vehicle that:

  • is suitable for private use – this includes motorhomes
  • most people use privately
  • wasn’t built for transporting goods

What doesn’t count

Rates for cars

The main and special rates apply from 1 April for limited companies, and 6 April for sole traders and partners. The first year allowances rate applies from 1 April for all businesses.


Capital One Auto Loan Review 2016 – Top Ten Reviews #used #car #search #engine


#capitol one auto
#

Capital One Review

Capital One Auto Finance provides a lot of features for their visitors, including a secured site, meaning that your information is safe and encrypted, making it virtually impossible to fall into the wrong hands. In addition to this, they re an accredited site with the Better Business Bureau, a consumer-oriented watchdog site that provides strict guidelines concerning customer service and satisfaction. You have the ability to apply online, and they do offer automobile refinancing. Online calculators help you tally up your estimated monthly payments if you should go with Capital One Auto Finance, and the available information can help you determine which route you should take. Overall, Capital One has a lot of different features that make the process easier and simpler for you.

Payment Options

Capital One has excellent customer support, including a section that outlines frequently asked questions. This makes it easy for you to find the answers to your commonly asked questions without having to contact a representative of the site. If you should still want to speak with a representative, there are phone numbers and email addresses available that you can use to do so. Most companies do not offer all three options, so Capital One Auto Finance has the upper hand in this category.

Security

There is no cost to apply online with Capital One Auto Finance, and the fees and monthly payments you will make are dependent upon several things. This includes the type of loan you receive, whether you re purchasing a new or used vehicle, what the length of the loan is and your credit score. The minimum loan amount is $7,500, but the website does not indicate a maximum loan amount. Estimated interest rates are available for each different kind of loan, and Capital One Auto Finance does seem to be competitive in this area.

Types of Loans

Capital One Auto Finance offers new and used vehicle loans, automobile loan refinancing, and the Blank Check option which means you can negotiate with a dealer the same way you would if you were paying cash. You must qualify for this program. Estimated APR amounts are as follows:

  • New Car: 36 Months at 3.95%, 48 or 60 Months at 4.25%, 66 or 72 Months at 5.25%
  • Used Car: 36 Months at 4.45%, 48 or 60 Months at 4.90%, 66 or 72 Months at 5.95%
  • Auto Refinance: Rates as low as 4.34%

Summary

Online auto loan companies have to be competitive to stay in business, and Capital One Auto Finance is doing just that in all departments, most notably help and support and features. Overall, this seems like a great choice whether you re searching for new or used automobile loans, or refinancing options.

At TopTenREVIEWS We Do the Research So You Don t Have To.


Capital One 360 – Servicing #atlantic #auto #mall


#capitol one auto
#

Login With Username (Saver ID)

For the best online experience, cookies must be enabled in your browser. Learn more.

Sign In

Banking, Credit Card, Auto Finance, and Home Loan products and services are offered by the Capital One family of companies, including Capital One Bank (USA). N.A. and Capital One. N.A. NMLS ID 453156. Members FDIC.

All entities are separate but affiliated legal entities of Capital One Financial Corporation. each is responsible for its own products and services

Securities are offered by Capital One Investing, LLC. a registered broker-dealer and Member FINRA Opens a new window /SIPC Opens a new window. Advisory services are provided by Capital One Advisors, LLC, an SEC registered investment advisor. Insurance products are offered through Capital One Agency LLC. All are subsidiaries of Capital One Financial Corporation .

Securities and services are: Not FDIC insured Not bank guaranteed May lose value Not a deposit Not Insured by any Federal Government Agency

2015 Capital One. All rights reserved.