Month: November 2011

Ict infrastructure helping business parks stay up to date

Once upon a time, power cuts, spent light bulbs and fused electrical goods were enough to leave us feeling frustrated and lacking, as though refused an essential resource. Of course, these are things we take for granted; they aid us immeasurably in the running of our day to day lives and have been around for the duration of most of our living memories. More recent, however, is our tendency to lean on a twenty-four hour, infallible and quick connection to the internet. So great a number of us have grown used to turning to computer screens to uncover endless amounts of useful, or indeed useless information – from train times to movie trivia – that when connections fail we really feel at a loss. In spite of all this, it would be a mistake to think that everyone has been integrated in the web-based revolution here described: ICT infrastructure and community broadband projects, for example, have only recently helped rural communities experience the benefits of the age of information. A number of households, research centres and even business parks have been left behind in the wake of rapid technological change. But, thanks to next generation access, those initially excluded now look to be catching up.

It is an imperative now that business parks and other enterprises have access to the best internet connections available. For households it is certainly annoying when family members, friends and acquaintances can’t be contacted through social networks, Skype or email, but for businesses a lack of communication can often entail a loss of clients because those who seek their services deem a disconnected enterprise an anachronistic and unambitious one. Luckily, then, ICT infrastructure improvement services have somewhat come to the rescue of such parks and labs; the likes of Nottingham’s BioCity and the science park belonging to the University of Southampton have been able to deliver enhanced services as a result of the great work done by broadband improvement companies that also offer next generation access and community broadband.

Indeed, the local and international bonds of those residing in rural areas have been fostered and strengthened by community broadband projects and next generation access. Altogether, ICT infrastructure innovations represent highly progressive moves to bridge Britain’s North-South divide as well as the distance between the UK as a whole and the rest of the world.

Please visit http://www.broadbandvantage.co.uk/ for further information about this topic.

http://www.broadbandvantage.co.uk/

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Fast Cash Helps To Tide Consumers Over

Sometimes, speed is everything with loans. It’s one of the major factors that makes consumers decide in favour of unsecured loans, rather than the more conventional type of secured loan offered by a bank or building society. When you need quick cash, a complicated contract and months of credit checks, value assessments, and negotiations can be counter-productive. Many Brits are faced each month with a gap between the day their rent, bills or loan payments are due, and the day that their salaries come in. When this is the case, a little fast cash on the right day can prevent disaster. So every month, some consumers are looking for cheap loans which don’t take too long to arrange.

Time scale is a problem for those who prefer to use conventional, secured loans such as mortgages or bank loans. The reason? Collateral. A ‘secured’ loan means the pledging of high value property – usually the borrower’s home – which will become the property of the bank or other lender if repayments of the loan aren’t made on the timescale agreed. A secured loan is usually designed to be repaid over a long period of time – years or decades – and means that if one of the payments isn’t made, the property can be repossessed: this is how the lender can afford to pay out large sums.

When making a secured loan with property as the collateral, the lender has to determine how much the property is worth before deciding how much money to lend (so that they know how much they could potentially gain in the event of non-repayment). This means working with estate agents, lawyers and finance experts before a loan can be approved on. And when you need quick cash to pay off a pressing bill, this kind of loan will simply take too long to arrange.

For those who need quick cash, unsecured loans are the most common solution. Unsecured loans can sometimes be made on the same day that they’re asked for, and will rarely take more than a week or two to arrange. This is because there’s no collateral, or property at stake – instead, the lender makes money by charging a high rate of interest (which could be any amount from relatively cheap loans at 7% up to 50 or even 100% from some companies.) The borrower gets fast cash – and on payday, should repay the cash as fast as possible, to prevent too much interest mounting up.

Please visit http://www.cashgenie.co.uk/ for further information about this topic.

http://www.cashgenie.co.uk/

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Duplicate payments represent an unnecessary expense

An accounts payable audit is a process that tries to uncover any errors that occur within your accounts payable department. These can happen for a variety of reasons, but the nature of them is that they usually go unnoticed. The larger your company and the higher the number of supplier invoices you receive, the worse the problem is likely to be. duplicate payments – just one kind of common overpayment – can typically cost your business 0.1 percent of turnover, for example. That can represent a non-trivial proportion of your profit margin. Recovery audit software will help to identify where you are making unnecessary payments, and will help you to gain back the money wasted – effectively given away – through error or, occasionally, fraud.

Generally speaking, it doesn’t matter how good your accounts systems are. They are good at doing what they are supposed to do: paying suppliers. They may have basic controls in place to flag problems, but usually they are not so good at uncovering human error, or malicious false claims. This is where specialist software can make a real difference. It runs through your accounts department and invoices, identifying discrepancies and suspect invoices. These could have been caused by some kind of accident. Alternatively, they may arise when a supplier purposefully tries to defraud your company by sending invoices for work or goods that have never been provided. These can slip through the net, especially when they resemble other invoices and seem genuine, or are one of a large batch of of invoices.

The scale of duplicate payments and other errors can be significant. One set of research suggests that between 0.1 and 0.5 percent of invoice payments are duplicates. Because there are more than 30 reasons why such duplicates occur, recovery audit software is needed to find all the different variations, and other issues. The typical invoice involves perhaps a dozen different data fields, giving huge room for error. The extent of the problem is such that an accounts payable audit can pay for itself the first time you use it. If you are examining several years of historical accounts records, savings can easily be five or six figures. Acting fast is necessary, since money can be reclaimed – so long as the originator of the invoice is still in business. If they are not, the chance is lost. That could mean thousands of pounds you’ll never get back.

Please visit http://www.fiscaltechnologies.com/ for further information about this topic.

http://www.fiscaltechnologies.com/

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