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


  • 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


  • 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


  • 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

Fixed Rate vs #fixed #rate #mortgage #definition


Fixed Rate vs. Adjustable Rate Mortgages

Before choosing a mortgage, you need to understand the differences between mortgage types: fixed rate mortgages, adjustable rate mortgages, and interest-only mortgages, to name a few.

Fixed Rate Mortgages

With a fixed rate mortgage, the interest rate and the amount you pay each month remain the same over the entire mortgage term, traditionally 15 or 30 years. You can use Nolo’s fixed rate mortgage calculator to figure out your payment. Lenders may also offer variations on fixed rate mortgages, including five- and seven-year fixed rate loans with balloon payments at the end. (Nolo also offers a balloon payment calculator .)

Adjustable Rate Mortgages (ARMs)

With an adjustable rate mortgage (ARM), the interest rate fluctuates according to the interest rates in the economy. Initial interest rates of ARMs are typically offered at a discounted (“teaser”) rate that’s lower than the rate for fixed rate mortgages. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down.

Different ARMs are tied to different financial indexes, some of which fluctuate up or down more quickly than others. To avoid constant and drastic changes, ARMs typically regulate (cap) how much and how often the interest rate and/or payments can change in a year and over the life of the loan. Use Nolo’s adjustable rate mortgage calculator to figure out your payment.

Over the years, a number of variations have been made available for adjustable rate mortgages, including hybrids that change from a fixed to an adjustable rate after a period of years, or “option ARMs” that allow you to choose, on a monthly basis, whether to pay a minimum amount, an interest-only amount, an ordinary principal plus interest amount, or an accelerated payment amount. However, with the recent credit crisis, many of these variants have disappeared — especially for the very people who desire them most, those with low income and assets.

Interest-Only Loans

During the real estate boom years of the late 1990s and early 2000s, “interest-only” loans became a popular option. These allowed the borrower to pay only the interest amount each month — not any principal — for the first several years of the loan. The advantage, of course, was that these loans lowered the homebuyer’s initial monthly payments significantly, allowing someone to afford more house. But a lot of people got themselves into trouble with these loans. Eventually, the borrower must pay off the loan balance. The shift in monthly payments can be a shocker — and refinancing becomes impossible if the house has gone down in value such that it’s worth less than the amount owed on it. Interest-only loans are virtually unavailable now, and you’d be wise to avoid them anyway.

How to Choose the Best Mortgage

Because interest rates and mortgage options change often, your choice of mortgage type should depend on:

  • the interest rates and mortgage options available when you’re buying a house
  • your view of the future (generally, high inflation will mean ARM rates will go up and lower inflation means that they will fall)
  • your personal financial and investment goals, and
  • how willing you are to take a risk.

When mortgage rates are low, a fixed rate mortgage is the best bet for many buyers. Over the next five, ten, or 30 years, interest rates are more apt to go up than further down. Even if rates could go a little lower in the short run, an ARMs teaser rate will adjust up soon and you won’t gain much if you plan to stay in the house more than a few years (the broker can tell you your break-even point). In the long run, ARMs are likely to go up, meaning many buyers will be best off locking in a favorable fixed rate now and not taking the risk of much higher rates later.

To tie it all together, Nolo’s free mortgage comparison calculator allows you to enter the terms (rates, points, closing fees) of up to three different mortgages to compare their value (total payments, taxes saved, and present value).

Refinancing Options

When making a choice between types of loans, always keep in mind that you may not keep it for its full term. For example, if you take out a fixed rate loan now, and several years from now interest rates have dropped, refinancing may be an option (assuming your house hasn’t dropped in value, in which case the lender won’t accept it as collateral for the refinanced loan).

There are several downsides to refinancing, however. For one, if you default on a refinanced mortgage, your position under your state’s law might worsen. In some states, when a homebuyer defaults on a new home loan (stops paying the mortgage), the lender can foreclose on the house but take nothing else from the homebuyer, while on a refinanced mortgage the lender can go after the homebuyer’s cash and other assets, after the house, to satisfy the debt.

Also, unless you can negotiate a low-cost refinance, you may have to pay the same fees and points as for an original mortgage. This means you may reduce your monthly payment right away but not actually begin to save money on the refinance for several years.

Another issue is that by refinancing, you stretch your mortgage term back out to another 30 years (or whatever the new loan’s term). That looks like a good deal in the short term, as your monthly payments go down. But it’s an artificial savings, given that the amount of interest you end up paying overall to buy your home can go way up this way. Compare your total interest payments to see the effect. Then seriously consider adding to your monthly payments in order to stick to your original end date, which should cure this issue.

To determine when you’ll break even on points and costs, as well as what your total interest payments will be, use Nolo’s refinancing calculator. If you think you’ll be moving again soon, a refinance may not make sense. See Nolo’s article Refinancing Your Mortgage: When It Makes Sense for more information.

For More Information

For a guide that will help you select the right house, the right mortgage, the right agent, the right inspections, and much more, get Nolo’s Essential Guide to Buying Your First Home . by Ilona Bray, Alayna Schroeder, and Marcia Stewart (Nolo).

Talk to a Real Estate attorney.

Mortgage rates in Kansas City, Missouri #mortgage #rates, #kansas #city, #missouri, #mo, #30 #year #fixed #mortgage


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    Picturing your new home and wondering about mortgage rates in Kansas City, MO. Put your dream in motion by exploring our site for indispensable resources to find the best rates available.

    Whether you are purchasing a new home or refinancing, we provide the ability to check local mortgage rates in Kansas City with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Missouri and the country.

    Rates are subject to fluctuation throughout the day and week. Check us to find accurate and current information on mortgage rates today.

    Mortgage rates in Kansas City, Missouri

    Here are the mortgage rates as of 10 a.m. Sunday in Kansas City, MO. The 30-year fixed mortgage rates vary from 4.18 percent to 4.67 percent.

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    November 11, 2012 at 3:23 pm

    I would like to know what bank or mortgage Co own the house at 4100 sunrisedrive kcmo 64123?

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    Term deposit account #term #deposit,high #rate,fixed #rate,interest #rate,savings,yorkshire #bank


    Term deposit account

    Making your savings grow

    Decide how long you’d like to save – from three months to five years – then once your term deposit is opened, sit back and watch your money earn a guaranteed rate. Our term deposit account is ideal if you want to put away a lump sum – as long as you don’t want to make any withdrawals or additional deposits.

    • Guaranteed interest rates – up to 2.19% Gross*/2.10% AER +. This rate is available on the 5 year Term Deposit – Interest Capitalised at Maturity account.
    • Minimum deposit of £2,000 – Maximum deposit of £5,000,000.
    • Withdrawals or early closure are not permitted durin g the fixed term.
    • See interest rates tab for terms available, interest rates and how this is paid to you. Our summary box is a recap of our key product information
    Withdrawals are not permitted

    Please note withdrawals or early closure of the term deposit are not permitted under any circumstances during the fixed term except in the event of the death of the Account Holder (or one of them if joint account). See term deposit terms and conditions (PDF, opens in new window) clause 2.3 for further information, if there is anything that you don’t understand please contact us for clarification.

    *Gross rate interest is the interest payable without taking account of any tax payable. From 6th April 2016 we no longer deduct tax from the interest earned on your savings, following the introduction of a Personal Savings Allowance. If you earn interest over your Personal Savings Allowance you will be required to pay any tax due yourself directly to HM Revenue and Customs. If you would like to read more about your Personal Savings Allowance, please visit the Government website

    + AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

    For new Term Deposits – The rate in force on the day your Term Deposit is opened will be the rate applied to your new account for the fixed term.

    For existing Term Deposits that are due to mature – The rate in force on the day your Term Deposit is reinvested will be the rate applied to your account for the fixed term. For more information on your options please refer to the letter sent out 35 days prior to your maturity date.

    Interest capitalised and paid at maturity – interest will be credited to the account on the maturity date.

    Apply in Branch

    A Yorkshire Bank current or savings account must remain open in order for the monthly or annual interest to be paid in to.

    The terms and rates offered for Term Deposits are constantly reviewed. As a result the length of the terms offered may vary.

    *Gross rate interest is the interest payable without taking account of any tax payable. From 6th April 2016 we will no longer deduct tax from the interest earned on your savings, following the introduction of a Personal Savings Allowance. If you earn interest over your Personal Savings Allowance you will be required to pay any tax due yourself directly to HM Revenue and Customs. If you would like to read more about your Personal Savings Allowance, please visit the Government website .

    + AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

    How to apply

    Use the online application process to complete and print an application form and fill it out with exception of the 3, 6 and 60 month term deposit. Send on to the following address – no postcode required – but please note that it is important to ensure the FREEPOST address is written on one line as:


    Along with your application, you should send a cheque for the amount of your deposit. The cheque must be written from an account in the applicant’s name and made payable to the person named on the application form. For joint applications, you can send a separate cheque for each applicant if you wish.

    When we receive your signed application, we will process it as quickly as possible.

    • After your cheque has cleared, we will open your account
    • Within 14 working days we will send you a certificate and covering letter confirming your new term deposit details
    Apply by phone

    Call 0800 587 5000 (Monday to Friday 8.00am – 8.00pm, Saturday 9.00am – 5.00pm, Sunday 10.00am – 4.00pm)

    Apply at a branch

    Interest is calculated on a daily basis and can be paid at maturity of the Term Deposit. On the 24, 36 and 60 month term deposits you can also select for interest to be added annually or paid out to you monthly or annually. Please note these rates are subject to change and are for illustrative purposes. If our rates have changed we will advise you of the correct rate before you open the Term Deposit.

    Can Yorkshire Bank change the interest rate?

    No. The interest rate is fixed when you open the Term Deposit.

    What would the estimated balance be at maturity, based on a range of deposits?

    Initial deposit at account opening

    Balance at the end of the term

    These are only examples and show the balance at maturity and do not take into account your individual circumstances or the specific manner in which interest is calculated and applied. For example, if you opt to have interest paid out to you monthly or annually the balance would remain the same.

    The examples assume that:

    • no further deposits or withdrawals are made;
    • any interest earned stays in the account; and
    • there is no change to interest rates and tiers.

    How do I open and manage my account?

    The account can be opened in branch or online, or call us on 0800 587 5000. apart from the 60 month term deposit which can only be opened in branch or via telephone. You must be aged 16 or over. Minimum opening balance is £2,000 and maximum is £5,000,000.

    We will contact you 35 days before the Term Deposit matures with a rate for another Term Deposit and details of how to add funds, withdraw funds, change the term or close the account. If you are happy to invest again, you do not need to take any action the Term Deposit will be rolled over for the same term.

    Can I withdraw money?

    No, withdrawals or early closure of the Term Deposit are not permitted.

    Interest will be paid gross.

    Gross rate interest is the interest payable without taking account of any tax payable.

    AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

    Mutual Funds – Fixed Income, International, Asset Allocation, Alternative, Equity Funds #virtus, #mutual #funds,fixed #income,equity,alternatives,international/global,asset #allocation


    Our Products

    Mutual Funds

    Price Performance:

    Above are prices and performance for Virtus Mutual Funds. For more information about a fund, including returns as of the most recent month-end, click on the fund name.

    Net Asset Value (NAV) Per Share: The market worth of one share of a mutual fund. This figure is calculated by subtracting a fund’s liabilities from total assets (securities, cash and any accrued earnings) and dividing by the number of shares outstanding.

    Public Offering Price (POP): The price at which a fund’s shares can be purchased. The offering price includes the current net asset value (NAV) per share plus any sales charges.

    On each day the New York Stock Exchange is open for trading, the net asset value (NAV) is determined as of the close of trading (normally 4:00 pm Eastern Time). The NAV and POP for all funds are subject to change.

    Investors should carefully consider the investment objectives, risks, charges and expenses of any Virtus Mutual Fund before investing. The prospectus and summary prospectus contains this and other information about the fund. Please contact your financial representative, call 1-800- 243-4361 or visit to obtain a current prospectus and/or summary prospectus. You should read the prospectus and/or summary prospectus carefully before you invest or send money.

    Performance data quoted represents past results. Past performance is no guarantee of future results and current performance may be higher or lower than the performance shown. Investment return and principal value will fluctuate, so your shares, when redeemed, may be worth more or less than their original cost. Please click on the fund name link for additional fund details and performance data current to the most recent month-end.

    Average annual total return is the annual compound return for the indicated period. It reflects the change in share price and the reinvestment of all dividends and capital gains. NAV returns do not include the effect of any applicable sales charges. POP and w/CDSC returns include the effect of maximum applicable sales charges.

    Returns for periods of less than one year are cumulative total returns.

    POP (Public Offering Price) performance reflects the deduction of the maximum sales charge as follows:

    • All equity, balanced, asset allocation, alternative and international/global 5.75%
    • Virtus Newfleet Bond Fund, Virtus Newfleet High Yield Fund, Virtus Newfleet Multi-Sector Intermediate Bond Fund 3.75%
    • Virtus Newfleet Senior Floating Rate Bond Fund, Virtus Newfleet CA Tax-Exempt Bond Fund and Virtus Newfleet Tax-Exempt Bond Fund 2.75%
    • Virtus Newfleet Multi-Sector Short Term Bond Fund and Virtus Newfleet Low Duration Income Fund 2.25%

    For our Equity (except Sector Trend Fund), Asset Allocation, International and Alternative Mutual Funds a contingent deferred sales charge of 1% may be imposed on certain redemptions within 18 months on purchases on which a finder s fee has been paid .

    For our Fixed Income Funds and Sector Trend Fund, a contingent deferred sales charge of .50% may be imposed on certain redemptions within 18 months on purchases on which a finder s fee has been paid (within 12 months for Virtus Newfleet Multi-Sector Short Term Bond Fund and Virtus Newfleet Low Duration Income Fund).

    Click here for more information on Breakpoint (Volume) Discounts on Class A Share Purchases.

    The maximum contingent deferred sales charge (CDSC) for Class C shares is 1%. However, w/CDSC performance for Class C shares reflects the deduction of: 1% for all shares redeemed within the first year; 0% for all shares redeemed at the end of year one and thereafter.

    Virtus Newfleet Multi-Sector Short Term Bond Fund Class C shares are subject to a 0% deduction for all shares redeemed.

    Class I Shares are offered primarily to clients of financial intermediaries that (i) charge such clients an ongoing fee for advisory, investment, consulting or similar services, or (ii) have entered into an agreement with the distributor to offer Class I shares through a no-load network or platform. Such clients may include pension and profit sharing plans, other employee benefit trusts, endowments, foundations and corporations. Class I shares are also offered to private and institutional clients of, or referred by, the adviser, the subadviser and their affiliates.

    Class C1 Shares:

    The maximum contingent deferred sales charge (CDSC) for Class C1 shares is 1%. However, w/CDSC performance for Class C1 shares reflects the deduction of: 1% for all shares redeemed within the first year; 0% for all shares redeemed at the end of year one and thereafter.

    Class R6 Shares:

    For Class R6 Shares, there is no minimum initial investment and there is no minimum for additional purchases. R6 Shares are available only to certain employer-sponsored retirement plans, including Section 401(k), 403(b) and 457, profit-sharing, money purchase pension and defined benefit plans and non-qualified deferred compensation plans, in each case provided that plan level or omnibus accounts are held on the books of the fund. If you are participating in an employer sponsored retirement plan, such as a 401(k) plan, profit-sharing plan, defined benefit plan or other employer-directed plan, your company will provide you with the information you need to open an account and buy Class R6 Shares.

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    Mutual funds distributed by VP Distributors, LLC. member FINRA and subsidiary of Virtus investment Partners, Inc.

    *Virtus Multi-Sector Short Term Bond Fund had the highest Lipper Leader for Consistent Return (Effective Return) value in its Lipper classification, Short-Intermediate Investment-Grade Debt Funds, for the 5-year period, out of 114 funds. Virtus International Real Estate Fund had the highest Lipper Leader for Consistent Return (Effective Return) value in its Lipper classification, International Real Estate Funds, for the 3-year period, out of 45 funds. Lipper ranks the funds based on total return as of 11/30/16. Each fund is ranked within a universe of funds similar in portfolio characteristics and capitalization. Rankings do not include the effect of a fund s sales load, if applicable. Lipper ranking is for Class I shares only, other classes may have different performance characteristics.

    Lipper, Inc. is a nationally recognized organization that ranks the performance of mutual funds. From Thomson Reuters Lipper Awards, 2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited.