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Pittsburgh Accounting – How To Find The Best Accounting Firm In Pittsburgh For Your Small Business

If you are looking for the best accounting firm in Pittsburgh for your small business, here are five definitive facts about the city and five sure-fire ways to find the accounting firm there that best meets your small business needs.

Pittsburgh – The Most Livable City In The US Pittsburgh is Pennsylvania's second largest city, population 311,647. The seven county area surrounding the city boasts a population of 2,354,957. Allegheny County, which includes Pittsburgh, is by far the largest and most prosperous. In these seven counties, there are over 1,000 accounting firms, 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of which are in Pittsburgh. Over half of them cater to small businesses.

In 2005 and again in 2009, The Economist ranked Pittsburgh the top most livable city in the United States. In 2007, Pittsburgh claimed the number one spot in Places Rated Almanac. In 2010, both Forbes Magazine and Yahoo! had Pittsburgh at the top of their lists. Entrepreneur Magazine ranked Pittsburgh as one of the best for entrepreneurs.

Pittsburgh – The City Of Bridges. Pittsburgh is the world record holder for bridges with 446 of them contained entirely within the city limits. These bridges cross the Allegheny River from the northeast and the Monongahela River from the southeast to form the Ohio River and the downtown area of ​​the city known as the Golden Triangle. They link the city to the four areas surrounding it, namely the North Side / North Hills, the South Side / South Hills, the East End and the West End. Four interstates (I-376, I-79, I-279 and I-579), known to Pittsburghers as the Parkway East, the Parkway West, the Parkway North and Crosstown and two major expressways (Route 28 and Route 22) connect 237 boroughs and 202 townships with each other and with Downtown Pittsburgh.

Most of the larger accounting firms serving Pittsburgh's major corporations are in Downtown Pittsburgh. However, all of the accounting firms serving the city's ever-growing small business population are located in the areas north, south, east and west of the city. These firms serve small businesses in Pittsburgh and Allegheny County and also offer their services to the other six counties that make up the Greater Pittsburgh Area. The small business accounting firms in these areas have deep-seated ties to the community, the people and the businesses residing there.

Pittsburgh – A City Transformed. Thirty years ago, Pittsburgh was a dirty, smoky steel town, known as the Steel City, because of its predominance as a mighty steel-making hub. When that industry collapsed and Pittsburgh lost its manufacturing base, its blue-collar workers and corporate giants like Westinghouse, Gulf Oil, Koppers and Rockwell International, the city faced its first economic crisis in more than a century. To its credit, though, the city transformed like none other in the country and emerged twenty years later as a thriving white-collar metropolis.

Today, Pittsburgh is still a steel city. US Steel, the 10th largest steel company in the world, is headquartered there. Allegheny Technologies, a world-class steel maker, has eight manufacturing plants …

Car Rental USA and Insurance – Car Rental Insurance Terms Explained

If you are from the UK and intend to take a fly drive trip to the USA it is best to be familiar with the insurance cover provided by the large rental companies such as Alamo.

In many countries it is required by law that the car insurance must specify unlimited third party coverage. In the USA this is not the case. Each state in the USA establishes a minimum level of coverage required by law and this may be as low as US $ 5000. When you book car rental in USA through Alamo you will have third party cover of US $ 1million plus S $ 1million to the driver and passengers in the rental vehicle against death or injury caused by the driver of another vehicle who is under insured, uninsured or who commits or drives away from the scene of the accident.

Carefree Personal Protection Insurance knows as (PERSPRO) is not included in any car rental quote and is entirely optional. It is available locally for an additional charge. This cover is for accident indemnity, accident medical expenses and emergency medical evacuation, death and dismemberment, repatriation of remains and personal effects. This would normally be covered under your personal holiday insurance. You will need to check your personal holiday insurance prior to departure and if you are already covered you will not need this additional insurance offered at the rental depot.

Please do take time to read the small print that will be part of the local rental agreement as your insurance can become void if for example you drive on unpaved roads, drive under influence of either drugs or alcohol.

Happy and safe motoring. …

Causes of Death and Term Life Insurance

There are many reasons for buying life insurance, but most people that investment to ensure that their loved ones are cared for in the middle of the tragedy. While some want to consider a premature death, these sensitive issues to be addressed at the same time someone is buying term life insurance.

Many term life insurance policies have special provisions in lieu of deaths not caused by medical complications or natural causes. Those who enter into these contracts should be aware of what situations can maintain his family of collecting benefits and what brokers could offer more protection.

* Suicide Provisions

Suicide is a sad and terrible event for the whole family. The pain of the loss is amplified by the many questions raised by the act. At this moment of pain, many families may need help from a life insurance plan can offer.

Most companies write lawsuit clauses in contracts plan. In general, this corridor indicates that the plan must have been active for two years before the date of death so that the beneficies to collect benefits. If that amount of time has not passed, the policy is canceled and the money will run normally.

* Dirty game

Many insurance policies also reserve the right to withhold claims as a result of foul play. If the death was suspicious of the insured, the insurance company can expect to meet the terms of the policy until an investigation has been carried out.

This may sound like something out of a movie, but sadly, murder for insurance money has occurred in real life. If there is any chance that the recipient has played a role in the death of the policyholder, may be deprived of their earnings.

Insurers use the evidence of police and governmental investigations and their own investigators to take a decision on these claims. Some contracts even give the insurer the right to refuse claims if the beneficiary has not been charged with a crime.

* Accidental Death corridors

Most term life insurance policies cover all types of accidental death, but some are more accidents involving cyclists. These clauses allow the applicant to seek more death benefits to go to the beneficiary if his death is the result of an accident. This can cause an increase in the cost of the premium, but not so much as raising the benefit for other causes of death.

The insurance company is responsible for determining whether the cause of death was really an accident. Some of the reasons for denying a claim for incidental death must be stated in the contract under jockey or easily explainable by a company representative.

You can also order by accidental death and dismemberment insurance privately or through work. You can work in conjunction with term life insurance to provide additional benefits to those who are in a dangerous line of work.

* Make Claims

Fortunately, these circumances are rare. Buying term life insurance is an excellent way to protect loved ones and only a …

Home Insurance UK – Protector Of Homes

One the dreams that people had in all ages and which still exists is to have a house for themselves. Indeed, it can be termed as one big dream that everyone who is engaged in any profession has. It was there in every time, though less people had the resources to fulfill their dreams. Things, however, have undergone a complete transformation and today there is a large number of people who have the capacity to purchase or get a house constructed for themselves.

There are several reasons for this newly accepted status by people. None so important however, as the emergence of several utility services which are aimed at benefiting people. Thanks to them, acquiring lone for the purpose of making or purchasing a house becomes very easy. However, if after purchasing or constructing a house one thinks that his worries are over then one is sadly mistaken, for the trouble has just started. After the house has come into existence the next step is to protect it against all possible threats that can harm it. This is where home insurance UK comes into play and ensures that one is spared from the pains of arranging for money for the repair of house in case it undergoes any damage.

Home insurance is a complete security package giving security against such viable threats like lighting, floods, burglary and several other natural and man made threat which can cause considerable damage to the house. However, to gain maximum from home insurance one would do well to take care of a few things. First of all one must ensure that the policy comes to life as soon as it is signed, secondly one must find out the threats that one is protected from, also one must see to it that his house is priced fairly. In addition to all this one must also ensure that one does not default on monthly premiums as well as never furnishing any wrong information to the insurance company as acts like these can lead to the cancellation of the policy.

If precautions like these are taken then one can be rest assured that Home Insurance UK would go a long way in protecting your home from all possible threats. …

Financial Skills – How to Budget & Balance Accounts

I was surprised when I asked parents to tell me the life skills they wish their kids knew, and there was a resounding request for a few topics:

  • How to open a bank account
  • How to budget & balance accounts
  • How to write checks and pay bills
  • And how to start saving for retirement

It seems some of the things we take for granted are, as a result, missing from what we teach kids.

In the last article, we focused on opening a bank account. This article is the second article in the four-part series and will look at how to teach kids to budget and balance their accounts.

Budgeting

It’s not shock that budgeting can be boring and tedious. I’ve personally never been excited to sit down and create my budgets, but it’s something that creates wealth and pays off down the road.

So how do you get kids excited about it? How can you add a little glamour to something so dull and boring? Easy – make it a game with payoffs.

Firstly, it’s important to know how to create a budget, then to adhere to the budget.

Creating a Budget

You may have your own way to create a budget, and that’s fine. In my experience, the easiest way to make a budget is as follows:

On a piece of paper, draw a line down the middle:

  1. Spending BudgetCalculate your average monthly gross income and put that at the top of the page, then multiply it by.80 (for example, if you earned $1,000, you would end up with $800)
  2. Fixed ExpensesWrite down all of your FIXED expense categories (i.e. phone bill, insurance, mortgage etc… ) and put them in one column on the left side of the page
  3. Variable ExpensesNext write in the variable expense categories (i.e. food, gas, leisure, etc… ) and put them in another column on the right side of the page
  4. Fill in all of your expenses
  5. Net Budget after Fixed Expenses – Subtract fixed expenses from your spending budget

    If it’s a positive number, you don’t need to change anything
    If it’s zero or a negative number, you should look for expenses that you can cut or lower

  6. Budget variable expenses – Using your Net Budget after fixed expenses, determine what you can spend on variable expenses without overspending each month
  7. Set a budget for each variable expense so you know what you can spend on each category in a given month

Making it Fun

OK, now that you have a budget outline, it’s time to get the kids excited.

I know what you’re thinking: “My kids will never be excited for this.”

They will if you give them some prizes or payoffs. Here’s how:

First, tell them what a budget is and show them the paper. Next, tell them that you’re going to do a contest (if you have more than one kid, this works even better).

Contest 1: Anticipating Spending

The first contest is to see how …

3 Ways To Lower Your Home Insurance Rates

1. In the same way a new house gets cheaper rates, you get rebates if your house has undergone a renovation. This is because many things in such a home would then be in excellent condition. All renovations will not give you comparable discounts because the scope of renovation carried is normally an important factor. If you intend to get discounts this way, you've got to ask an agent how much you'll save.

2. You'll get a more affordable home insurance rate if you choose a higher deductible. A deductible is an amount an insured must pay before his / her insurer becomes duty-bound to fulfill the terms of their policy. For homeowners insurance policies, your deductibles will normally start from $ 250. Raising your deductible from $ 250 to $ 500, for instance, could save you up to 12 percent. Raising it to $ 1000 may result in 24 percent discount. Various insurers might give more or less therefore check with your agent before you make this decision.

3. You can see savings of hundreds of dollars on your home insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit at least three sites and ensuring that you provide the same (correct) details. I recommend that you use at least three quotes sites since that will make it less likely that you'll miss out better quotes not presented by the other sites. This provides you a broader basis for doing more thorough comparisons thatby increasing your chances of getting more for less. So make sure you do this right. …

Unlisted Drivers Can Cause Your Auto Insurance Rate to Skyrocket

Very few circumstances can cause your auto insurance rates to rise the way an unlisted driver can.

First, the basics. Auto insurance policies are written to cover your car, not necessarily the operator. What this means on the surface is that as long as you have given an individual “permissive use” of your vehicle, should that person become involved in an automobile accident, there should be coverage. The type of coverage that can be applied, of course, would depend on the type of car insurance you originally purchased. For instance, in the event your “permissive driver” is involved in an at fault accident, and you have purchased collision insurance coverage, collision would pay for the damages to your car, minus your deductible. But conversely, even if that driver was involved in a not at fault accident, you can expect your insurance company to take a closer look at your policy come renewal time.

As an example, assume that you loan your car to a friend on a one time basis for whatever reason. You can establish that this friend is not a consistent driver of your car, and you can verify that your friend does not live with you. What happens if your friend, the unlisted driver, becomes involved in an at fault car accident? Under the circumstances, your insurance policy would pay for the damages to your vehicle. Even if your friend has his own policy, that policy is not responsible to pay for your damages.

Will this create problems for you with the insurance company? Probably.

Normally, when insurance companies pay for an at fault accident, you can expect to suffer the consequences. Even though you are making payment on the relevant premiums, your insurance company will “penalize” you if you are involved in at fault accident. How is the penalty imposed? By way of a higher auto insurance rate.

And what about the fact that you permitted a friend to drive? Will that also boost your chances for a higher auto insurance rate? Probably so. Insurance companies tend not to respond well to “unlisted” drivers, at fault or not. In fact, with an unlisted driver in the driver’s seat, count on your insurance company to launch a claims investigation into the circumstances. More specifically, they will be looking into the possibility that the driver could live in your home. And, more than likely, they will also examine the driving history of the unlisted driver as well as whether or not that driver has insurance of his own.

Should you expect an increase in your auto insurance rates? Most definitely if the investigation divulges factors that increase your risk rating.

If the insurance company investigation reveals that the unlisted driver has a poor driving record, you can be fairly sure that this will be used against you when your auto insurance rate is calculated at the end of your insurance policy period. By association, if you allow an irresponsible driver to operate your insured vehicle, your risk scoring …

Fighting Back When Insurance Companies Bundle Charges

Insurance bundling is the process where a payer will often lump separate charges together to pay your practice less.

For example, lets say you have a patient that comes in for evaluation of high blood pressure and you notice the patient has two suspicious skin lesions – one on their left arm and one on their stomach. You then make the determination to excise one and perform a biopsy on the other.

You code 99214 with modifier -25 (E&M for patient with high blood pressure); 11403 (stomach lesion excision, benign, 3.0 cm); 11100 with modifier -59 (biopsy of arm lesion).

Modifier -25 is to be appended to a CPT code that is a separate and distinct service that is provided during the same visit. If modifier -25 is not added to the evaluation and management code (99214) both lesion codes could be denied, or the 99214 code itself might be denied. Modifier -25 identifies to the payer that the codes are truly separate services that were rendered.

Modifier -59 is to be utilized for a distinct procedural service and alerts the payer that two services that usually would be bundled into the lesion code should be reimbursed separately because the biopsy (11100) was performed separately. The two lesions that were examined were definitely separate, distinct and unrelated to each other.

If the insurance company does not pay for each service and is ignoring the modifiers -25 and -59, ultimately they are bundling.

The best way to fight back against bundling is to track your claims submissions and check them against your explanation of benefits forms to ensure that all services are paid.

The following are indicators your payers may be bundling your services:

  • An E&M code is indicated but no payment was made because the carrier bundled the charge with that of an unrelated service.
  • When the charge is listed but no payment was made because the payer bundled the charge with an unrelated charge for another diagnosis. When this occurs you will often see the following denial code, “Payment for this service is included in the fee for the procedure.”
  • When the modifier is listed but the payer omits the service modifier (such as the -25 or -59) and no payment is made.
  • When the code is totally omitted from the EOB as though the service was never rendered. For instance, you coded an E&M code and a minor outpatient surgery on the same day. The claim was filed using the -25 modifier. When the EOB’s are received, the only charge noted is the surgery code. The E&M code is not included.

Certain explanations on your EOB’s may also indicate that the payer is bundling some of your charges. Examples are as follows:

  • Medical visit not allowed for separate reimbursement
  • The procedure code submitted on your claim has been changed to one that better represents the services performed by your physician.
  • Payment for one or more billed procedure codes has been denied because it is considered a component of

Home Insurance – Wise Little Tips That Will Give You Massive Savings

There are a lot of ways to pay less on your home insurance policy. But while many of them might reduce your cost, they could leave you with insufficient coverage. I do not naturally recommend such ways since they make nonsense of the main aim of insurance in the first place. So, I'll only show you suggestions that will also have you neatly covered in spite of saving you much. Here they are …

1. Get special fire and security systems that alert fire stations, police stations or other monitoring center. Not only will you get a reasonable discount, you will as well feel more secured bearing in mind that your house is constantly monitored. Notwithstanding that the discount this will attract different from one insurer to another, you can expect to bring down your home insurance rate by as high as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.

2. Bearing in mind that nothing remains unchanged, it's a smart step to re-evaluate your home insurance policy from periodically to ensure you either pay more than you should nor have liability coverage. That special fur artwork might no longer be worth as much as when you bought it.

Lower your coverage by the same percentage if it has dropped in value and as a result you will save and still maintain enough coverage. soonheless, a review may disclose it's now worth a lot more and that you need to buy more coverage.

3. Do NOT leave ladders in places where anyone can easily pick them. Doing this would be making a burglar's job a lot easier. Do not also leave your tools, machinery or things like that on the law or where in the open as they could result in accidental injury and add to your liability claims. They also make breaking and entry much easier for thieves. Keeping these things properly will save you a lot of heartaches along with lower premiums.

4. Let your insurer be paid your premiums automatically and you will be given a good discount. If you do not have an idea on how to do this, ask your bank or agent. In addition to saving you in premiums you will also save yourself much time and avoidable stress.

5. You will receive cheaper premiums if you do routine maintenance of your home always. Check for those dead tree limbs on your property. They could easily fall off and damage a part of your home or injure someone.

Everything that could injure a guest on your property should be taken care of once you notice them. Such a good maintenance routine would lower your home insurance rate.

6. You can save a lot of money if you get and compare home insurance quotes from insurance quotes sites. You will realize savings if you go to just one quotes site. But, you'll get better results by using at least five. The simple reason for this is that you'll get a greater number of home insurance quotes from many more insurers. This increases …

Guide To Choosing A Great Appliance Repair Company

Appliances make people’s lifestyle easy. However, they need repair when they break down. It is important to hire an experienced and reliable appliance repair firm to make sure that the professionals fix your home appliance properly. Home owners often find it difficult to choose a good firm. There are many firms out there that offer repair services, but most of them do not have skilled professionals. Many of them overcharge, taking advantage of the home owner’s helpless situation. With some valuable advice, people can find the right appliance repair company.

Here are some tips to help you hire the right company to repair your home appliances:

Get referrals

An effective way to find a repair company is to get referrals from friends and acquaintances. When someone you are familiar with, recommends a firm from which he received satisfactory services in terms of professionalism, price and repair services, you know that it is a good company to work for you. If your oven has a problem, ask for more and more referrals of oven repairs companies from your close ones and contact the companies.

Consider insurance and license

You will come across many advertisements of repair firms. Look for the ones that say “Licensed and Insured”. Do not go for firms without insurance and license. Make sure that the firm’s insurance is current and it has a valid license number.

Check out the time for which the company is working

Before hiring a company, find out the time for which it is operating in its place with the same name. Prefer a company more that has a long history in its locality, than a startup that has no history in that region.

Check out internet directors

Check out the prominent business directories in the internet and see whether the firm’s name is present in them or not. Check directories like yahoo local, Google maps, superpages.com and yellowpages.com. For example, if your washing machine has some problem, choose a washing machine repairs firm whose name is present in the directories.

Consider the firm’s advertising

Check out if the company conducts large-scale advertising. If yes, it is likely to spend a huge amount of money in advertising. Such companies need to get this money from somewhere, and most of them get it from the customers by charging a higher fee. Avoid such firms.

Compare a technician from a small family owned business with that of a large company

A local business wants to keep up his reputation in its locality. A technician from such a firm is likely you offer you quality services. On the other hand, a technician from a big national chain may not offer you satisfactory services.

Talk to the technician

If you are considering a firm, enquire about the technician it is sending you. Talk to the technician about the issues in your appliance. If your dishwasher has some problem, ask the technician about his experience in dishwasher repairs service. Explain the problems in the dishwasher and see if …