Designed to help accountants and bookkeepers running effective payroll systems, the 2012 Payroll Mate payroll software offers a ton of features including the ability to automatically calculate net pay, federal withholding tax, social security tax, Medicare, state and local payroll taxes. This easy-to-use software also supports different types of payroll pay periods, prints checks, prepares various payroll forms, and allows unlimited tax categories, pre and post-tax deductions and unlimited pay rates per employee making it very flexible and powerful.

“The QuickBooks payroll export wizard that comes with Payroll Mate is one of the most sophisticated, yet easy to use QuickBooks export utilities available in the industry. We invested a lot of engineering time to ensure that this essential feature would work well for our customers.” says Payroll Mate product manager Nancy Walters.

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Managing a payroll for employees comes with the territory for most businesses, but with an increase in the use of freelance and contract workers rather than full or part-time employees, increasingly the business of managing contractor payrolls needs to be addressed. A contractor payroll is not operated in exactly the same way as an employee payroll system, as there are different obligations and responsibilities in a payer/contractor relationship.

There is specialist software available to help companies manage their contractor payroll, and Her Majesty’s Revenue and Customs (HMRC) accredits certain of these packages. However, the relevant information still has to be gathered and data has to be entered – all of which takes time. In fact the administration and accounting associated with a contractor payroll can be fairly time-consuming and many people choose to use a contractor payroll company to take on the burden of the work involved. This can prove extremely useful, as it offers contractors and freelance workers valuable support with the task of making sure the correct tax returns and other financial documents are filed as and when they need to be, and that appropriate copies of relevant documentation can be produced.

Users of Contractor Payrolls

As there are a number of different types of companies offering to streamline contractor payrolls, it makes sense to choose one that meets the needs of the business and the contract in hand. IT contractors, for example, have been particularly keen to make use of a contractor payroll system, finding that this suits their purpose and offers the flexibility they need, given their way of working. To this end, many freelance workers, including IT contractors, look to umbrella payroll companies, as this removes the need for workers to run their own company.

Some self-employed contractors look for a system that will ensure they get their gross pay, and then handle the tax affairs themselves. These are known as Invoice Only or Gross Pay schemes, and the payroll manager will issue the invoices and chase payment in return for a fee.
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According to physician Angel M. Garcia, there are ways you can save money without jeopardizing their health. As stated by him, more Americans are paying more of their health-care costs out of pocket every year because they lack insurance, have higher deductibles and co-payments, or have chosen a Health Savings Account plan.
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Gemalto announced that Sparkasse Suedholstein is deploying Gemalto’s Ezio strong authentication optical readers to better protect its online customers. The Gemalto solution eliminates the need for paper-based lists of One-Time-Passwords (“iTAN”, Indexed Transaction Authentication Number”) and adds the higher level of security of the smart banking card. The unique credit card-sized optical authentication device is easy to carry around in your wallet and offers a high level of mobility and convenience.

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American Express Prepaid Card offers a smarter spending and budgeting payment option to millions of consumers and also serve new customer segments that do not rely on traditional charge and credit cards to manage their day-to-day finances. Unlike other prepaid reloadable cards, there are no fees for purchasing the Card online, monthly maintenance, activation, balance inquiries, alerts, Card replacement, foreign currency conversion or loading via bank account. The funds on the Card do not expire, and if lost or stolen, the funds can be replaced. The first monthly ATM cash withdrawal is free, after which a $2.00 fee applies (bank network charges may also apply).

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Janiczek & Company, Ltd. offers comprehensive investment and wealth management services to individuals and families with investable assets of $1 million and above. Accepting clients throughout the U.S., the company’s proprietary Wealth with Ease System brings all the key elements of successful investment portfolio management and financial, retirement and estate planning into a simple yet comprehensive wealth management service.

Janiczek & Company, Ltd. has been named among the top, best and most exclusive wealth advisors in the country multiple times. The company was founded by award-winning author Joseph J. Janiczek, who wrote How to Achieve Absolute Financial Freedom and Investing from a Position of Strength: A high net worth investors guide to surviving and thriving in all economic and investment climates.

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