HOW-TO... Choose An Accountant

Selecting an accountant is a task all individuals and businesses should take seriously, as the decision can directly impact your finances or your company’s performance. Before starting your search for an accountant, it is important to define the needs of your company.

Are you

• looking to improve your cash flow,

• looking to redefine your business structure

• looking to re-evaluate your priorities within your business

• looking to improve profitability and develop strategies

• looking for assistance with preparing and examining financial or tax documents

Having a basic understanding of what you want the accountant to do for you and defining what your needs are can make the search for a qualified accountant much easier.

Ask lots of questions such as: What are your qualifications? What types of services do you offer? What are the fees and how much do you charge? How long will the process take? You may have to meet with several accountants before selecting the one that works best for you. Be selective and take your time with this decision. See what different accountants will offer and do not automatically accept the first offer you receive.

Consider the following criteria when selecting an accountant or tax professional for your business:

Experience

There are many different certifications, licenses, and degrees an accountant can possess. Certified Public Accountants (CPAs) are individuals with a degree in accounting, finance or a similar industry that have passed rigorous exam requirements and are licensed by their applicable state boards of accountancy. Enrolled Agents (EAs) have passed a rigorous exam and are licensed by the Internal Revenue Service. They are federally licensed tax practitioners who have unlimited rights to represent taxpayers before the IRS. They may also hold a degree in accounting, finance, or a similar industry.

During the initial meeting, ask your potential accountant for a few references. Specifically ask for long-term clients that are satisfied with the services they receive. The amount of time an accountant has been practicing is also important to consider. Newer accountants will not be able to provide as many references or reviews as a well-established accountant.

Qualified accountants will be able to provide advice about processes that would improve your personal or business finances. On the other hand, utilizing an inexperienced accountant can be counterproductive, and may end up costing you money. Price

Price may be the most important factor for you. Prices will vary based on the location in which you are seeking accounting services and the amount of services you require.

Services Offered

Common accounting services include bookkeeping, tax planning and preparation, payroll services, financial reporting, and business development, among others. Since you have already defined what your needs are or what services you require, make sure the accountant offers those specific services. Dayto-day accounting can be handled by a bookkeeper or non-certified accountant; however, if you need someone to provide strategic advice or solutions, file taxes, or assist with an audit, you may need to find a Certified Public Accountant (CPA).

Availability

Finding an accountant that is not only available to answer any questions you may have, but is also compatible with your needs and timeline is important. A business owner that is busy with day-to-day operations may require more advice or assistance than someone who has a full staff including an in-house accounting department. Make sure you choose an accountant that can adhere to your specific situation

Choose a Mattress

Let’s face it: We spend a lot of time in bed. And a great night’s sleep is vital to our physical and mental health. So, choosing the right mattress to help you achieve the sleep you need to awake rested and ready to confront the day is absolutely essential.

Buying a new mattress is no longer a one-stop proposition. The mattress industry has boomed with the introduction of memory foam, sensor-activated comfort control and firms that sell quality products online easily delivered to your home.

But don’t lose sleep over shopping for a new mattress. Sure, the number of options can be as daunting as the wide range of prices, but selecting the right mattress for your needs at the right price really is pretty simple.

Ask your friends and family for recommendations, and then start browsing. You can also scour the internet for information and start narrowing your choices.

Purchasing a mattress is a long-term investment in your health and selfesteem. Don’t be afraid of looking at pricier options. Often, expensive mattresses may be on sale or part of a closeout event. Quality mattresses last longer, so you will not have to go through the trouble of buying another mattress in a year or two, or worry as much about the mattress sagging and breaking down.

Consider your bed size. Is it time to buy a bigger bed? Perhaps you would like to sprawl out and relax.

Here are a few other things to keep in mind:

• Do you need a firm or soft mattress? People with a bad back, neck or leg pain, or other circulatory problems might require firm support to keep their spines aligned. Other people prefer flexible support that fits the contours of their bodies.

• Do you sleep with another person? Mattresses made of memory foam might be beneficial, as it will give you a personalized experience without disturbing the other person’s sleep.

• Standard mattresses can exacerbate allergies if you are sensitive to lint, cotton, dust or dust mites. If you or your partner have allergies, consider getting a latex, foam or water mattress. You might also think about getting a hypoallergenic mattress cover.

When you are looking at actual mattress options, the following are popular choices:

• Pillow-top mattresses are famous for their softness; however, they do have levels of firmness. They also require a larger bottom sheet because the pillow-top adds to their extra thickness.

• Coil spring construction is a great choice for people who want a firm mattress. This option has the ability to keep your spine aligned.

Most mattress stores can show you samples of their product lines. Choose the best construction you can afford.

• “Memory” or highdensity foam or latex mattresses are helpful if you have physical issues, such as skeletal pain or circulatory problems. This mattress conforms to the shape of the body. It also minimizes pressure points from the head, shoulders and hips.

• Adjustable air mattresses allow each person to change the firmness through electronic and mechanical devices that control air chambers. This is an ideal choice for partners who have different mattress preferences. You can also alter firmness for yourself, depending on your physical condition.

When shopping for a mattress, don’t be afraid of lying down and trying it out. Roll over and pay attention to how your body feels. Are you comfortable?

Inquire about the mattress guarantee or warranty. A standard warranty is 10 years. If the warranty is shorter or non-existent, look elsewhere. Some online companies allow you to return the mattress if you’re not satisfied.

Remember, your mattress is a long-term investment. Choose wisely and you will be rewarded with years of restful nights and energetic days.