Southfield, MI

Improper disposal of household and industrial waste puts the public at risk. Chemicals and other hazardous materials contaminate soil and groundwater. Non-biodegradable materials improperly disposed of create pollution and sanitary issues for private and public properties. To avoid eyesores in illegal dumping areas, contamination of food and water, and safety risks caused by dangerous objects, learn to dispose of your waste properly.

Household Chemicals

Household chemicals pose a special risk to the environment. Such chemicals are dangerous for animals, soil and water. Examples of dangerous household chemicals are cleaners, pool chemicals, aquarium products, solvents, paints, insecticides, detergents, and automobile products like oil, transmission fluid, and antifreeze.

Take all automotive products to a facility specifically geared toward removing automotive wastes. Make sure you use as much of a household chemical from the container as possible. Determine the best time to dispose of the product, considering outside temperature before disposing of the bottle. Follow the disposal directions marked on certain containers. If possible, keep chemical waste and chemical containers separate from other waste and try to place it all in one area.

Construction Debris

Many paints and building materials are hazardous to the environment if disposed of improperly. Other materials, though not dangerous, create an unsightly environment when dumped in an unauthorized area. Facilities for lumber, brick, concrete, and metal disposals exist within most local areas. Make sure materials and debris from new construction or remodeling projects go to such a facility for proper disposal and recycling.

Hazardous Waste

Dumping controlled or regulated hazardous substances is highly illegal and very dangerous. These chemicals and other substances are harmful to the environment, animals, and humans. Further, hazardous materials often pose critical medical risks and even cause fatalities to those exposed to the materials. DO NOT dispose of hazardous waste on your own. Call an experienced waste removal service to dispose of your hazardous materials.

Possible Solutions

Cut down on your use of household and industrial cleaners. Retain a hazardous waste removal company to take care of biological and other hazardous waste. For non-regulated waste disposal needs, hire a dumpster rental service. The dumpster rental service provides an industrial garbage container to meet your needs and takes care of the disposal and dumping. Before choosing a dumpster rental service, be sure the company handles the type of garbage you need to eliminate.

This article was written by Sherman Rogers of All-waste Dumpster Rental Company. All Waste, LLC was started in 1998 by Sherman Rogers with a single Mack truck and 12 roll-off dumpsters. Today Rogers runs an all-Mack fleet of 18 trucks and more than 1200 dumpsters. http://thegarbageman.com/ provides dumpster rentals, roll-off containers, waste removal, and portable storage containers to Macomb County, Shelby Charter Twp, Center Line, Clinton Twp, Chesterfield Twp, Fraser, Roseville, Utica, Detroit, Troy and neighboring cities and communities in the Metro Detroit Michigan area.

Do you Have a Custom Designed Small Business Accounting System?

Silent Quiz: Can You Answer These 10 Questions About Your Business?

1. Were my total sales up or down last month? Were they designated by sales category?
2. What was my total gross profit last month? Was it designated by sales category?
   
3. What is my gross profit per item?
4. What were my expenses by category last month?
   
5. Who owes me money, and how much?
6. Who's behind in paying me, and by how much?
7. How much inventory do I have, in total and by item?
   
8. Who do I owe money to, and how much?
   
9. What was my profit last month?
   
10. How Much do I Own, and How Much do I Owe?

1. 1. Were my total sales up or down last month? Were they designated by sales category?
      Here's why you need to know: If your sales are up, you'll need extra cash to buy replacement inventory. If your sales are down, you'll want to pull back on inventory purchases. Sales increases in a category can mean a new growth opportunity. Sales decreases need to be investigated to find out the reason.
      
      
   2. What was my total gross profit last month? Was it designated by sales category?
      Here's why you need to know: Gross profit shows the profit left from sales after subtracting the cost of the products or services you sold. Changes in gross profit show whether your pricing strategies are working. Cutting prices to increase sales can hurt you if it reduces your gross profit.
   3. What is my gross profit per item?
      Here's why you need to know: Selling prices should be based on profit goals instead of estimates. By raising the prices on some items and selling others near or below cost, you can change your inventory mix and increase gross profits. An increase of just 1% may add thousands of dollars to net profits. You can give sales incentives that will cause employees to sell the most profitable items instead of the easiest ones.
      
      
   4. What were my expenses by category last month?
      Here's why you need to know: Are payroll costs too high? What about insurance costs? The telephone? In order to cut back on expenses, first know which ones are out of line. Recording your expenses each month ensures that you get the maximum tax deductions.
      
      
   5. Who owes me money, and how much?
      Here's why you need to know: You can't expect to get paid in full unless you tell customers exactly, and regularly, what they owe. An itemized, neatly printed and up-to-date monthly statement tells customers that you expect to be paid on time according to your payment terms.
      
      
   6. Who's behind in paying me, and by how much?
      Here's why you need to know: Customers who fall behind need to be contacted immediately and often, so it doesn't become a habit. Also, before you approve a new order from a customer, you'll want to know if that customer paid you on time for the last order.
      
      
   7. How much inventory do I have, in total and by item?
      Here's why you need to know: If you're running low on an item, you can reorder in advance and not be out of stock. Plus, you can avoid rush delivery charges. If you have too much of an item or of inventory in total, you can cut back on your inventory investment. Also, you can compare a physical count to the books and identify a shortage problem before it puts you out of business.
      
      
   8. Who do I owe money to, and how much?
      Here's why you need to know: Many vendors offer discounts for paying bills in less than 30 days, which can add up to big savings on an annual basis. Paying your bills on time will increase your chances of getting business credit. Plus you can plan for your cash requirements and reduce the need to borrow from a bank or your own funds.
      
      
   9. What was my profit last month?
      Here's why you need to know: A monthly profit figure gives you the financial bottom line and lets you know where you've been and where you're going. Plus, you can save hundreds to thousands of dollars, on year-end tax return fees, and plan for the tax bill months in advance.
      
      
   10. How much do I Own, and How Much do I Owe?
       Here's why you need to know: Keeping track of your current assets and liabilities allows you to plan for your cash needs, and helps you stay in compliance with loan agreements. Plus, you'll be instantly ready to respond to questions from suppliers or potential customers.

For more income tax and financial planning tips, visit Markwei Boye at http://www.smartbusinesspllc.com/

Servicing Southeast Michigan:

Oakland County, Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak, Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

Wayne County, Belleville, Brownstown Township, Canton Township, Dearborn, Dearborn Heights, Detroit, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Inkster, Livonia, Northville Township, Plymouth, Redford Township, Riverview, Romulus, Taylor, Trenton, Wayne, Westland, Wyandotte

Washtenaw County, Ann Arbor, Bridgewater, Chelsea, Dexter, Manchester, Salem, Saline, Superior Township, Whitmore Lake, Whittaker, Willis, and Ypsilanti

Livingston County, Brighton City, Choctaw Township, Deerfield Township, Green Oak Township, Handy Township, Howell City, Iosco Township, Village of Fowlerville, Brighton Township, Conway Township, Genoa Township, Hamburg Township, Hartland Township, Howell Township, Marion Township, Putnam Township, Unadilla Township, Village of Pinckney

Macomb County, Bruce Township, Center Line, Chesterfield Township, Clinton Township, Eastpointe, Fraser, Harrison Township, Lenox Township, Macomb Township, Mt. Clemens, New Baltimore, Ray Township, Roseville, Richmond, Richmond Township, Shelby Charter Township, St. Clair Shores Sterling Heights, Utica, Warren

Payroll Processing is time consuming and tedious work for employers and business owners. Attempting to "do-it-yourself" is counter-productive as time could be better spent on managing and optimizing your business. Not to mention the fees and penalties charged by the IRS for errors or late reports.

Here are the Top Ten Reasons to Outsource Payroll Processing:

• Liability-A payroll processing service absorbs the risk; if they make a mistake, they absorb the cost.
• Taxes-IRS reports show that 1/3 of employers has been charged for tax-related payroll errors equating to billions of dollars in penalties; a good payroll processing service keeps clients out of these situations.
• Affordability-Consider the cost of computer equipment, software and extensive training required to process payroll internally, not to mention the processing time that can be spent on revenue-producing activities for the business. A payroll processing service saves time and money.
• Profitability-Remember why you went into business in the first place; it wasn't so you could spend tedious hours processing payroll and generating timely reports to the IRS. Outsource your payroll processing and get back to your business.
• Time-Business owners have better things to do with their time; getting paychecks out on time and generating timely reports and tax deposits to the IRS is a positive reflection of one's company; our payroll processing service guarantees accuracy and on-time filing of all reports.
• Accuracy-Payroll accounting professionals will see to the accuracy of handling all aspects of payroll processing. Even the simplest error can result in stiff penalties and unhappy employees.
• Privacy-It can be embarrassing and detrimental to the morale of a company when confidential information is seen by the wrong eyes; confidentiality is easily maintained with our payroll processing service when employees use direct deposit.
• Reporting-Keep records neat and concise with a wide array of standard, easy to read report generated by our integrated payroll processing service.
• Flexibility-As business changes, so do payroll processing needs. Don't get bogged down with the nuts and bolts of personnel changes; leave that to the payroll accounting experts while you run your business.
• Professionalism-Outsourcing payroll processing enhances a successful image of your business while showing employees that your company is professional and secure.

Smart Business International, PLLC provides all these payroll services at an all-inclusive rate; visit http://smartbusinesspllc.com/ for details or to schedule a free consultation.

With our secure, integrated, on-line payroll processing system, we service the entire United States with clients located in Warren, Michigan; Minneapolis, Minnesota; St. Paul, Minnesota; Little Rock, Arkansas; Jackson, Mississippi; Portland Oregon; Boston, Massachusetts; Charleston, West Virginia and neighboring cities.

Contact:

Smart Financial Advisors, PLLC

16250 Northland Drive Suite 214
Southfield, MI 48075
Phone: 248-395-0326
Fax: 248-395-3389
Email: boyem@financialnetwork.com

Payroll Service, Integrated Payroll Processing, Employee Paychecks, Wage-Detail Reports, Payroll Accounting, nationwide service: Smart Business International, PLLC services Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY) Major Metro Areas: Albuquerque, Anchorage, Atlanta, Austin, Baltimore, Baton Rouge, Billings, Birmingham, Boise, Boston, Burlington, Charlotte, Chicago, Chico, Charleston, Cheyenne, Cincinnati, Cleveland, Concord, Columbus, Columbia, Dallas, Fargo, Fort Worth, Denver, Bolder, Des Moines, Detroit, Ft Lauderdale, Louisville, Palm Beach, Hartford, Honolulu, Houston, Indianapolis, Jacksonville, Kansas City, Las Vegas, Little Rock, Long Island, Los Angeles, Manchester, Memphis, Miami, Milwaukee, Minneapolis, Newark, St Paul, Monterey, Nashville, New Haven, New Orleans New York, Oakland, East Bay, Oklahoma City, Orange County, Omaha, Orlando, Philadelphia, Phoenix, Pierre, Pittsburgh, Portland, Providence, Puerto Rico, Raleigh-Durham, Reno, Tahoe, Richmond, Rochester, Sacramento, Salt Lake City, San Francisco, San Jose, Silicon Valley, Santa Fe, Seattle, Spokane, Springfield, St. Louis, Tampa, Topeka, Toronto, Trenton, Tucson, Washington Dc, Wilmington, Wichita

Outsourcing Payroll and Income Tax Consulting doesn't have to be complicated, time consuming and expensive

Romulus, MI -- Markwei Boye, CEO of Smart Business International, PLLC, specializing in payroll processing, recently sat on a panel of experts to answer questions for a group of investors and small business owners. Several business owners had concerns about payroll accounting. Markwei advises all businesses, big and small, to outsource their payroll processing. "Processing payroll requires 54 steps, eating up 40 to 60 hours each year, even for two-employee companies. This is tedious work that requires constantly updating records, printing checks, and answering employee questions," Boye explains. "We guarantee 100% accuracy in processing payroll and filing necessary reports to the IRS. We meet all deadlines so you won't have IRS penalties hanging over your head. If we make a mistake, you don't pay," says Boye.

Smart Business International, PLLC's integrated payroll processing system writes paychecks on their clients' bank accounts. "We don't take your money into our account and earn interest on it, like many payroll processing companies. You keep control of your money and the interest it earns. You maintain more flexibility over your own funds," Markwei explained.

Boye covered the wage detail reports that his payroll processing service generates to keep clients up to date on payroll costs; Federal, state and local payroll forms; quarterly reports including federal form 941 and the end of the year W-2 forms.

Markewi concluded by explaining the wide range of payroll services offered to customize and fit to each individual client and their needs. He also covered the different payroll input options, which include: online through a secure website, by fax or by phone. Electronic service options include: electronic web-based payroll input, electronic transmission of taxes, full service direct deposit and electronic check signing.

An efficient payroll processing service provides quarterly and year end processing of W-2s and 1099's, 940 federal tax returns, 941 federal and state returns, applicable state unemployment tax returns and support of 401-K, IRA and section 125 Plans.

Markwei Boye is a CPA and the CEO of Smart Business International, PLLC, specializing in income tax issues, financial planning and payroll processing services. He has earned several degrees and holds multiple licenses, including an Enrolled Agent designation -- a specialized license earned by individuals who have passed a rigorous examination administered by the IRS and has shown technical competency in all levels of federal taxation. With s secure, integrated, on-line payroll processing system, http://smartbusinesspllc.com/ services the entire United States with clients located in Dearborn, Michigan; Atlanta, Georgia; Cincinnati, Cleveland, Columbus, Ohio; Des Moines, Iowa; Birmingham, Alabama; Milwaukee, Wisconsin; Anchorage, Alaska, Honolulu, Hawaii and neighboring cities.

Contact:

Smart Business International, PLLC
Tax & Accounting Professionals

16250 Northland Drive
Suite 214
Southfield, MI 48075

Phone: 248.395.3388
Fax: 248.395.3389

Tax Savings Hotline: 1-888-271-3309
Email: info@smartbusinesspllc.com

Reverse Mortgage Misconceptions

1. Reverse Mortgages are only for desperate seniors, or for the "house rich, cash poor." --INCORRECT. The reverse mortgage is an excellent financial planning tool that has been used by homeowners from all walks of life to enhance their retirement years. While some have needed the cash from a reverse mortgage more than others, the growing popularity of this product is evidence of its benefit in a wide array of financial circumstances.

2. Your home must be debt-free to qualify for a reverse mortgage. --INCORRECT. Even seniors with an outstanding first mortgage or some other debt on their home may qualify for a reverse mortgage. The proceeds of the reverse mortgage, though, must first be used to pay off such debts.

3. The Bank owns the home after you get a reverse mortgage. --INCORRECT. You own your home and retain title throughtout the life of the reverse mortgage. Once you permanently move out of your home or pass it to your estate, the loan must be repaid.

4. When a reverse mortgage comes due, the bank sells the home. --INCORRECT. When the loan must be repaid, you or your heirs can either pay the balance due on the reverse mortgage and keep the home, or sell the home and use the proceeds to pay off the reverse mortgage.

Ted Lewicki of Pillar Financial Services specializes in reverse mortgages for seniors. He will be happy to come to your home for a relaxed conversation about your options. A reverse mortgage is a type of home equity loan that allows you to convert some of the equity in your home into cash while you retain home ownership. Rather than making a payment to your lender each month, the lender pays you. Unlike conventional home equity loans, most reverse mortgages do not require any repayment of principal, interest, or servicing fees for as long as you live in your home. Funds obtained from a reverse mortgage may be used for any purpose, including health care, housing expenses, taxes and insurance, fuel, and maintenance costs. http://www.pillarmortgage.com/

Servicing: Oakland County, Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak,
Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom

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