What You Should Consider When Choosing a Payroll Service

Proper payroll management is very essential for every business. Failure to get it right will not only get business owners into issues with employees, but also with tax authorities. However, payroll management can be a bit tasking and potentially capable of robbing businesses of time that could be better spent making money. This is the main reason why an increasing number of business owners now prefer to outsource these functions to payroll services. But before going ahead to choose a payroll service, there are some things you need to consider.

choosing payroll service


It is an advisable thing to ensure that you request for referrals when looking to choose a payroll service. This will help you avoid issues that could arise as consequences of choice made. You could ask other business owners what service they use or check with the Better Business Bureau. Your banker or a certified public accountant (CPA) may also be asked for recommendations.


The experience of a payroll service is also worth considering. Payroll and business taxes could be rather hard to handle and their calculations prone to errors. This is why you want to ensure your payroll service has been around for a while and can guarantee accuracy and efficiency.

Pricing structure

You want to make sure that you know what the pricing for a payroll service is before making any commitment. Sometimes, pricing is based on bundles of services, some of whose inclusions may not be relevant to your business. It is, therefore, important to know what proposed pricing structure covers. A breakdown of pricing should be requested to help you identify hidden fees that could otherwise go unnoticed.

Account management

It is recommended that you inquire from your payroll service provider to know the person directly managing your account. You should not assume that the professional-looking and seemingly experienced individual you spoke to the first time will oversee your account. The account handler could, in fact, be a novice. Try to familiarize yourself to your account manager and ask questions bothering your mind.

Payroll tax handling

You equally need to ensure that you know if and how your payroll service handles payroll taxes. Some services may expect you to do your payroll tax calculation, filing and payment all by yourself. A good payroll service should be able to help you ensure compliance to payroll tax requirements by taking care of calculation, payment and filling — in a timely fashion as well. You should also find out beforehand what extra fees, if any, are expected for the payroll tax services.


It is essential for you to ask your payroll service provider how secure your sensitive financial information is. You surely do not want such information to fall into the hands of hackers. It is advisable to ask to know what measures are in place to ensure security breaches are prevented.

Customer support

There will be times when you need to reach your payroll service provider for one reason or the other, especially during emergencies. The ease of contact and responsiveness will depend on the quality of customer support provided. References supplied by a provider may be able to give you an idea of its customer service quality. You could also assess quality of customer service by yourself, looking through available contact options and trying your most preferred.

A good payroll service will help in no small measure to avoid payroll issues with tax authorities and employees. Giving a thought to the factors mentioned will help you get your choice of service right.

Your Guide to Payroll Outsourcing

It is said that happy employees are the most productive employees. And why wouldn’t they be? Trusted and dedicated employees work their heart out, all day and night, just to help your firm flourish. So there is no alternate to an experienced and virtuoso employee, as they are one of the biggest and prime assets of a company. So if you happen to be an entrepreneur, you must be thinking of different ways to keep your workers all smiles. Want to know the easiest way to do so? Well, nothing pleases an employee more than a proper paycheck at the end of the month. But paying the employees on time is a lot easier said than done, especially, if you are a small business owner who is not well versed in accounting. Payroll processing can be downright overwhelming and can also give nightmares even to long time experienced business owners. So this is where an outside payroll service can come to your rescue.

guide payroll service

Perks of Payroll Outsourcing

When a business hires an outside firm to manage all their payroll functions to save time and money, it is called Payroll Outsourcing. In recent times, payroll services are doing a lot more than just churning out your employee’s paychecks. So check out the reasons why hiring a payroll service is beneficial to your firm:

  • eliminates the need for in-house payroll staff
  • frees your employee’s time to pursue more revenue-generating activities for the firm
  • they work with accuracy and are always up-to-date
  • manages a company’s tax related hurdles
  • helps to keep track of employees’ hours, sick days and paid time off
  • saves you money on legal fees
  • handles reports filed with federal, state and local government
  • manages employee retirement plans

What to watch out for

Even though payroll services can be extremely advantageous for a firm, it can be a recipe of disaster for a company if it gets to the wrong hands. So make sure you look out for any potential red flags when researching potential payroll providers. The following are some things you should keep in mind:

  • make sure the company you outsource is genuine and trustworthy
  • the outsourcing company should be bonded and insured
  • ensure that the company is paying the IRS properly on your behalf
  • choose a service that is upfront with its clients
  • your payroll service provider should be aware of your payroll tax requirements and deadlines

Bottom line

The best way to “keep the books” is not to screw them up and the easiest way to not screw them up is to hire a payroll outsourcing service. Payroll outsourcing can provide small firms, as well as large enterprises, an attractive alternate to managing payroll internally. Outsourcing eliminates the time that the employees spend on calculating payrolls and tax obligations, and aids them to work on some real value-added activities that can help the business to blossom. Watch out for the red flags, and you are good to go.

Learning The Benefits Associated With Music

benefits of musicWe are all individuals but if there is something we all have in common is a love for music. Music has been used by humans for thousands of years whether it was a person using a drum or playing modern brass instruments. We cannot cover the entire history of music but we are going to show you how it can bring joy to people who are otherwise feeling sad. There are religious groups who volunteer their time to prepare food for the disadvantaged but they also offer different forms of musical entertainment whether it is hymns or classical music. The primary benefit is that everyone whether rich or poor, young or old can enjoy the experience “together”. This “unity” is something that makes us remarkable as a species.

Learning How To Play Music

If you want to learn how to play music you can, there are people who believe that only certain people are “gifted” with musical talent but the truth is everyone can sing and play with the proper training and motivation. You will need to find a music teacher who you feel comfortable with in order to reach your full potential. Start the process by collecting the names of all the music teachers in your area, you can even find them on the Internet. After you have the list created you need to purchase the instrument you want to practice. While the guitar is one of the most common instruments people learn how to play there are others that are just as exciting like brass instruments. What you need to do is look for retailers who are selling these instruments before you schedule a class with the music teacher.

Finding The Right Music Instrument Retailer

In order to find the best priced and quality instruments you need to spend some time screening all of the vendors that are selling them. When you have located all of the merchants that are selling the specific brand of brass instrument you want to buy you need to review the prices until you have located the retailer with the most competitive offer.

Now that you have the new instrument you should schedule an appointment with the music teacher you like the most. You need to be patient with yourself, it will take time to master this instrument but if you keep at it you will be able to realize your goal. Once you have learned how to play a musical instrument you can share the skill with people in your family or reach out through various charitable organizations and share your knowledge with those who do not have access to music on a regular basis. We hope you take these suggestions to heart and make the most of it, you could be the next musical prodigy but you will never know until you try

Is a prenuptial agreement okay for Christians?

Let’s face it – no one is born a great husband or wife. But it’s something that we can learn since marriage is a journey and a process of development. However, something has gone terribly wrong in our society today and part of that is that people no longer know how to value their marriage. While marriage is supposedly a beautiful event between two individuals, divorce seems like a growing trend. Today, approximately 50 percent of American marriages end up in divorce, and the rate is continuously rising.

prenup agreement

Because of this, a lot of individuals are now considering prenuptial agreements before getting married. While prenuptial agreements are mostly popular among celebrities because of their lifestyle, more and more people today are opting to sign forms for prenup agreement before taking their vows. Even teachers, nurses, salesmen, and small business owners are signing these forms.

What is a Prenuptial Agreement?

Prenuptial agreement, also known as premarital agreement or simply prenup, is a written contract made by two people before they marry. The content of prenuptial agreement can vary from couple to couple, but usually, it involves property and support issues. Prenup agreements can set forth what will happen to your assets, properties, and future earnings in case of divorce, death, or separation.

Prenuptial agreements are gaining popularity in the U.S. today for a variety of reasons. First, they are able to protect the property and financial assets of individuals. Second, they make sure that their property will go to their own children or family in case of separation – this is particularly common when the other person has children from a former marriage. And most importantly, prenuptial agreements enable individuals to control their own assets. Many prenuptial agreements are signed because couples do not want to experience the hassle of dealing with complicated legal processes, such as letting the court decide how to divide their property should the marriage end.

While prenuptial agreements are becoming common today, most Christians, if not all, are not in favor in this type of agreement. Prenuptial agreements are completely outside the Christians’ vision of marriage. God intended marriage to be permanent and lasting as long as the couple is alive. When two Christians get married, they should commit to the marriage and have a strong faith that the marriage will last, no matter what happens. For Christians, signing a prenup agreement is like planning a wedding and a divorce. As what they say, a couple that prepares for the possibility of separation is headed toward it.

When two people marry, they become one. As the Scriptures say, “…a man leaves his father and mother and is united to his wife, and they become one flesh.” (Genesis 2:24, NIV)

When a man and a woman become one, it means they both share everything they have. For instance, if the husband has $2 million dollars in his bank account and the wife only has $200,000 when they marry, both of them now have that $2.2 million dollars. It doesn’t mean dividing the money in half, with both of them receiving $1.1 million dollars each. They both share everything they have.

Sure, there’s nothing wrong with prenup agreements. Actually, they are even beneficial for individuals as they give them peace of mind regarding the status of their assets. In today’s society, prenuptial agreements are even considered necessary. But of course, we can’t debate with other people, especially with Christians, regarding their view about this type of agreement. Marriage is a sacred thing and it should be taken seriously. As what Christians say, if you can’t trust your future spouse about your money, how can you trust him or her with your life, family, and future?

A dream come true home in Ocean Grove NJ

the_ocean_view_inn_ocean_grove_new_jersey_53420Owning a home is a dream to many and finding a good community living that offers a peaceful and exciting lifestyle with all amenities required, is often not easy. Ocean grove NJ can prove to be an answer to your search for that dream home. It is one of the best locations in New Jersey and is not only selling your dream home but an urban community lifestyle as well.

The ocean grove is a cozy Victorian town with population of mere 5000. However, do not think that it is a boring place for the retired. Thousands of tourists throng Ocean Grove during summers as it is a national historic district. Ocean Grove boasts of pristine beaches and elegant resorts which makes it an ideal location for a memorable holiday! In fact the beaches here are counted in the Top 15 of the world’s best.

Established in 1869, Ocean Grove has come up into this era as an idealistic cultural town. Historic tours, festivals, Art & Craft shows, car rallies, flea markets, festive parades are a part of life here. For the religious patrons, this place has various options like Churches, Choir fest, Sermons from evangelists to name a few. This town is also a gastronomical paradise with innumerable bakeries, Café’, bars and restaurants strewn across. So, whether you are someone who likes to chill in an informal setting of Deli, lounge in a bar with buddies or crave for a seven course meal with all the elegance and sophistication; Ocean Grove offers abundant options for your taste buds and pocket.

If you look at this destination from investment point of view then it would be pertinent to mention that urbanization has taken over Ocean Grove. The real estate market is witnessing an upswing here. This is the best time to invest in Ocean Grove as the property prices are still reasonable and is anticipated to go up, reaping benefits for those who invest in property here. Besides, with all the tourist traffic it is also a place that offers viable business and commercial options for anyone who wants to settle down here.

Homes for sales in Ocean Grove NJ is easy to find as they command respect of reputed agencies and property dealers. A number of websites give a virtual tour of the township here giving you a clear view of what this piece of heaven is all about. Spacious well lit streets, houses of all shapes and sizes right from single family home, condos, apartments to just a property for investment can all be found on the web pages. You can browse into the featured listings for the floor plans, interiors and aerial exterior view of the house. They also give minutest of details like number of fireplaces, view of neighborhood, car parking, room size, basically every information that you need to zero in on a particular property before your actual visit. Ocean Grove NJ is a perfect combination of tranquil surroundings, natural beauty and celebratory undertones. A place this gorgeous could make your life a long summer vacation. With its vast range of property and options, there is every reason to make this Victorian town your first or even second home. Homes for sales in Ocean Grove NJ brings you this wonderful opportunity to own a piece of this Victorian heaven.

Will you see your pet in heaven?

One of the greatest joys in life is having a pet. Whether it’s a puppy, a cat, a bird, or a fish, having a pet brings so much happiness and enjoyment. In fact, most of us cannot imagine life without them on our side. Even though they require additional cleaning, time, and spending, we still love to have them around. They feel like a family, completing our life.

There have been a lot of incidents in which animals have saved human lives. That’s why in this modern age, pets have become an integral part of the society. People are even teaching their pets several modern techniques so they can protect them and their family much more. But while most pet owners are clear about the protection benefits and happiness that come with having an animal friend, many are unaware of the physical and health benefits that these furry animals can also bring. Several studies have been conducted showing how owning a pet, especially dogs, reduced the risk for heart disease.

pet(dog and cats)

Studies have also found out that:

  • Pet owner are less likely to experience depression and stress than those without pets.
  • Playing with pets can improve mood and make your body and mind relax.
  • Pet owners have lower cholesterol and triglyceride levels than those without pets.
  • Patients who suffer from heart attack survive longer than those without pets.
  • People over the age 65 owning a pet are 30 percent less likely to visit their doctors than those without pets.
  • Watching a pet play can help reduce muscle tension and lower pulse rate.

Experts believe that one reason why pets bring therapeutic benefits is because they can fulfill the basic human need, which is the need to be touched. Just a few minutes of interacting with pets or touching a loving animal can instantly change your mood and calm you, even if you’re too stressed out. Being with a pet can also immediately ease the feeling of loneliness and encourage you to follow a healthy exercise.

Millions of people around the world treat their pets as their friends and even an important member of the family. Unfortunately, pets can’t stay with us forever, no matter how much we want to. Like all living things, they will be gone at some point. Many Christians now wonder, “Will I see my pet in heaven?”

In the Book of Revelation, the Apostle John, who was one of Jesus’ closest disciples, described his vision of heaven with animals, telling the armies of heaven riding on “white horses.” (Revelation 19:14, NIV)

Other animals aren’t mentioned in the Book of Revelation, presumably because they don’t play a significant role in Christ’s second coming. But knowing that there are horses in heaven, isn’t it possible that there would be other kinds of animals there, too? After all, isn’t it kind of lonely if we would only expect horses in heaven? Well, even though the Bible doesn’t give a definitive answer if we are really going to see our pets in heaven, one thing is for sure, “…with God, all things are possible. (Matthew 19:26, NIV).

Whether we see them in heaven or not, it is important to also take care of our pets and treat them with respect. Also be thankful for them for all the help that they gave and continuously giving you.

But it is important for you to know that owning a pet is not a miracle for illnesses. They are only beneficial for those who love and appreciate them. If you don’t own a pet yet and want to have one, you can view puppies for sale here.

Applying for a Mortgage Loan

Regardless of the financial status, career and credit reputation, everyone often seek financial assistance for various reasons. Raising funds is not an easy task to accomplish. Borrowers look for various ways on how to complete the amount needed for a definite purpose. Some may want to start a bigger business, needs additional funds for personal and professional reasons or there is an emergency that entails bigger amount in a short time frame. Often, people resort for a mortgage loan to cope with all these needs. However, applying for mortgage doesn’t happen in an instant. If there is one alternative for raising fund that has complex and long process, that is through mortgaging.

applying for mortgage

As mortgage applicant, you need to present yourself in the most credible manner. You should own supportive documents that can prove your capacity to pay a borrowed fund. Similarly, you must have a stable job and clear source of income. Also, you should have a good credit record or no delinquent credit history from previous loans. Since mortgaging is often granted by a financial institution, you could expect tough screening and investigation right from the start. However, if this is a complex procedure for a typical applicant, what are your chances of getting the loan if you have existing unpaid credits or several lapses with your credit history?

What Should You Do?

Nothing is impossible with a willing heart. Although mortgaging is not a business of charm, it is best to be honest with your approaches towards the lender. You must explore all your possible options and resources in order to come up with the right solutions. If you think you can’t totally resolved the issue by brainstorming and merely presenting yourself to the financial institution, its time you seek expert advice from the most reliable mortgage broker or financial professionals. If you also know credit analysts, they can help for bad credit cases and can assess and explain to you the status of your outstanding loans or credits, as well as the possible solutions to effectively fix it.

Nonetheless, you must understand that these are just your tools and alternatives, which may either make or break your loan application. You must be aware and ready with the possible results of your mortgage status. You must bear and mind that every financial institution and lenders have their own way of dealing credit issues of the applicants. If you are not successful with the other, you are always free to take another try.

Simple Tips to Consider

There are several situations that are beyond your control. Although you don’t have any plans of missing any payments, there are urgencies and factors that may come in between, which may hinder you from fulfilling your credit responsibilities on time. However, you must make it a point to prepare thorough planning and proper knowledge about good habits of handling credit obligations. Again, you can always seek help in various ways just like mortgage professionals because they can help for bad credit cases you are experiencing.


Barbecue: God’s Gift to Earth

Like most people, I love barbecue. And I am sure you love it, too. Well, with the delightful smell of smoldering charcoal and mouthwatering taste of burnt meat, it’s no wonder why it has been one of the favorite splurge foods of many. And did you know that God loves good barbecue, too? During the time of the Exodus when God was giving Moses the design for the construction of the portable worship tent, the Tabernacle, God included a grill inside the courtyard. It’s not a simple grill – it’s a big barbecue grill, which was called The Brazen Altar, or Bronze Altar, or Altar of Sacrifice. It had to be big enough so that it could handle all the burning animal sacrifices and special offerings of people during those times.

But it’s sort of confusing, right? God is not a man, why would he want grilled meat? The life during the Bible times seems to be really mysterious and strange. We may not have all the exact answers to our every question, but if we just think about it, we’ll realize that there is a good purpose behind every God’s instruction. And in the case of the construction of the Tabernacle, the purpose was to bring people closer to God and each other. This is the reason why in today’s age, every time we want to have some barbecues, we invite friends to come over and they in turn, bring something to the gathering. At any grilling party, everyone brings something. In the Bible times, people brought lambs, wheat, and other sacrifices to God’s house. And in our time, we bring chicken, pies, salad, cakes, and other delicious foods to the host’s house.

Barbecue and other grilled dishes are God’s gift to people. He knows that our life here on Earth is not going to be easy, so He gave us gifts, such as the barbecue, for us to find time to relax and spend some time together with our loved ones. There’s something relaxing about the smell and taste of grilled meat that is hard to explain – we just love it, and we always crave for it, especially during a good weather. But of course we can’t have a delicious grilled meal without a good rotisserie grilling device.

While it is possible to grill meat with the use of traditional techniques, such as cooking over a campfire or in a fireplace, it is easier if you have the right rotisserie equipment and tools. A grill that doesn’t necessitate too much stooping and has additional features for safety purposes is a good example. And any good griller knows that there’s a big difference when it comes to the taste if the meat is cooked inside a good rotisserie oven or grill. But of course, it’s not only about the taste, but the overall grilling experience as well. A good rotisserie grill not only provides tasty grilled dish, but also makes grilling fun even more as it is much easier to handle and easier to clean.

So next time you plan on having a barbecue party, get a good rotisserie grill. Here are some of the important considerations to make when buying: size, temperature control, timer, spits, and safety accessories. Believe me, the experience is much better if you have a quality rotisserie at home. And the best thing is you don’t have to wait for a special occasion just to have some tasty grilled meal if you have one at your own backyard. Every time you crave, just buy the ingredients, set it, and you’re ready to eat. You may also want to search for unique grill recipes to make your party more exciting.

Coping With Radiation Therapy Using Faith and Spirituality

spiritual-support-bwMajority of patients diagnosed with cancer have to undergo Radiation treatment. This therapy can destroy or “de-bulk” the cancerous growths to make it easier for surgeons to remove it. Radiation also helps prevent the spread of the disease to other healthy body parts. While the therapy itself is painless, it can lead to debilitating side effects. Most common side effects include hair loss, skin problems and loss of appetite etc.

The National Cancer Institute recommends some food items to include as part of one’s diet following radiation therapy. Primarily, to cope with weight loss, fatigue and soreness accompanying radiation therapy, the following steps must be included:

  • Drinking plenty of cool liquids
  • Consuming foods with mild flavors and aromas
  • Avoiding raw vegetables
  • Drinking milkshakes, eggnog and liquid supplements

Additionally, cancer and cancer treatment affects how the patient feels. The disease and its treatment influence how one works, his/her hobbies and quality of life. Cancer treatment and after-care guidelines hence stress upon not only taking care of the body but also of the mind during and after the treatment.

A radiation therapist from a great school to visit can help orient the patient and his/her family to cope better with the physical and emotional side effects of the disease and its treatment. The radiation therapist can also provide the contact details of psychologists, talk therapists and other alternative wellness consultants.

Here are some of the expert recommended ways of coping with the disease:

  1. Staying informed-Learn about the cancer and what you can do to prevent it from spreading or coming back.
  2. Staying positive– Try and give gratitude for small things in life. Deal with the anger and pain by expressing it to loved ones.
  3. Not playing the blame game– Often cancer patients feel they did not do enough, or that they did something wrong that brought this upon them. Remember that the disease can affect anyone.
  4. Using methods of relaxing– Using mind body practices like Meditation, Yoga and music etc. can help reduce stress and lower the tendency to worry.
  5. Remaining active as far as possible– When you move out in the open fresh air, you can focus on other things besides the disease. Try gardening, walking a pet etc.
  6. Not focusing on things that are beyond one’s control.
  7. Sharing feelings with cancer support group– Cancer support groups can help you vent out your feelings. By hearing stories and other people’s concerns, you will realize that you are not alone in this journey.
  8. Using humor and laughter therapy– Laughter and positive thinking is known to beat the cancer cells. Many miraculous cases have shown how laughter and humor have actually helped people fight and cope with the disease.

Turning to Faith and Spirituality

When a serious illness like cancer afflicts someone, s/he tends to get angry and blame God. Religion and faith often take a backseat. However, in other cases, patients actually find their faith becoming stronger. In fact: Faith, religion and spirituality can help become a source of strength for families fighting the disease. Attending Church, reading or singing devotional songs in groups can also help patients connect with each other. Studies have time and again shown that Religion can help not just fight the disease but also cope with it. Praying, meditating, reading positive stories of faith healing people are few ways of seeking answers and searching for meaning. Patients can contact their spiritual leaders in their community or ask their hospital for a trained Chaplain who can provide support to them and their families.

For more information and research on spirituality and its role in palliative Cancer care, click here.


Getting Closer to God through Exercise


If you have been trying to think of a new way to strengthen your relationship with God through self-introspection, but haven’t really thought of anything, why not give exercise a try? According to many studies, when we exercise, we almost always think and reflect about what’s on our mind.

If you think about the Lord while you exercise, you can contemplate your relationship with Him and reflect upon it. While you are shedding those pounds, you can think of the many ways that you can serve Him better and be a better Christian. If you decide that this would be an interesting way to get closer to the Lord, there are a few things you can do to help make the experience one where your mind and body can focus on the Lord.

Before You Exercise, Make Sure to Say a Prayer

Starting off an exercise regimen with a prayer will help you clear your mind of all negative thoughts and focus wholly on the matter at hand, exercise and the Lord. As you pray, clear your mind and then focus on an image of Jesus. Think about his sacrifice for the world and how much he loves you and everyone else in it. Remember to take long, deep breaths as you get yourself ready for your exercise. This will get your heart and lungs ready for your workout, and get your mind ready to think about God.

Chose Simple Exercises to Help Your Mind Focus on God

Some exercises are very intense and require you to perform very complex routines. These exercises are usually good for your body, however they can make it very difficult to focus on God. Choose a simple exercise that your body can do while it’s on “auto pilot.” A few good examples are working out on the treadmill, a stair stepper, a stationary bike, an electronic rower, and a variety of other exercises that use machines. There are a number of good, simple cardio, light free weights, and stretching exercises that you can use as well. One book that gives great advice on these types of exercises can be found here.

When you take a Break between Sets Say a Bible Verse to Yourself

The bible teaches us how to serve the Lord and how we should live for Him. A great way to strengthen your relationship with God while you are exercising is reciting bible verses to yourself during breaks. Give yourself a lesson that you want to learn or refresh your memory on, and look up some bible verses that pertain to that lesson. Then as you take your break, thumb through your bible and read one or more verses to yourself. It is suggested that you only read one verse at a time to you take in and reflect on the message much more easily. However, you can read more than one or all of the ones you looked up if you like. You can also think about bible verses while you are doing your exercise and ponder their meaning while you are doing your exercises as well. Exercising is not only a wonderful way to get closer to God, but it is also good for your body as well. If you have put on some extra pounds over the past few months, this might be a perfect way to lose those extra inches and get closer to God as well.

You will likely find other ways to get closer to the Lord while you exercise. Do whatever you think feels right to you. As long as you are working to get closer to the Lord, then no way you do it is wrong.

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