Financial Reports - Non-Profit

Financial Reports - Non-Profit

In the case of nonprofit financials there are a number of differences that set it apart from other types of financial reports. The differences have to deal with the fact that these types of financial report variations consist of not only profit and cash flows expenses and balance sheets, but also contain information on the grants and contributions that the nonprofit has received over the period of time being recorded in the report.

As a result, there will be any number of additional reports and sections to a financial report of the nonprofit variation that may not be found within a corporate financial documents. In addition, there are a number of interpretations, which differ from the traditional financial report and which do not exist within the corporate world. Alternately, these differences are rarely used within corporations and financials that are registered as profit producers.

In addition, nonprofits usually do not have shareholder equity since nonprofit organizations are not supposed to show a profit. There should be no equity available for shareholders. In addition, it is not uncommon for corporate corporations to include tax information within their financial reports. This is usually included as an expense, but may have its own section within the financial report based on the type of report that has been generated.

Because nonprofit organizations are tax exempt, there should be no tax information listed within a nonprofit organizations financial statements. There will however in its place for donations. This section will include the number types and the types of donations and their relative value. These are included in the nonprofit assets since these; items are usually either to generate cash flow for the nonprofit or our suppliers, which can be used to create what ever it is that the nonprofit provides if they are providing a product or a series of products rather than a service.

All of these can be found in any financial report, nonprofit variation however, the report will not differ from any other financial report. That may be generated by a company or organization. A solid financial analysis, whether for nonprofit or for-profit companies will show the growth of the company by listing the various financial aspects, cash flow, and show where the money that is being generated is going and the money that is coming in is going . This is the entire purpose behind a financial analysis and reports.

Taking Care of Your Personal Finance

Taking Care of Your Personal Finance

Taking responsibility for your personal finance has never been more important than it is now. The largest and supposedly strongest markets in the world are fighting to keep their heads above water, so it's important for you to know and understand your exact financial status to weather the storm.

When it comes to personal finance, Don Taylor from Bankrate recommends that the first thing you need to do is identify your life goals and map out a financial plan that will help you to achieve them. This plan should be revisited on a semi-regular basis and adjusted as goals change. After which you need to determine where all of your money goes. This means you need to get to grips with your credit card spending, your casual spend, your accounts and any investments or annuities that you already own. Then draw up what Taylor calls a spending plan. He refers to a spending plan rather than a budget because "spending plan" sounds more positive and less like a monthly chore than budget.

Once your spending plan has been completed, you need to determine how much you can afford to spend on securing your future, ie investments, pension plans and retirement annuities. If you already have some money invested you should relook at them and possibly try to increase your monthly payments. But before you do anything on your own you need to consult a financial advisor; someone who will help you with your financial planning.

According to Taylor, financial plan needs to be comprehensive. It's not a short term thing and needs to consider the bigger picture. It includes all of your insurance, employee benefits, taxes and investments and retirement and estate planning. At this stage you should also assess your risk tolerance. High-risk investments tend to have a high-yield, but, obviously the risk that you could lose almost everything is great. Low-risk investments, on the other hand, are reliably stable and safe, but they will not net as much money. If you decide to go the safer route, Taylor recommends that you try to invest as much money as you can afford every month, so that your investment base is as high as possible.

And then, of course, you have to know your portfolio. Understand what it is that you have bought, know the risks, know the fees and most importantly, understand the implications of financing or surrendering your investment. Annuities can be particularly tricky cancel with an assortment of associated fees and penalties.

With annuities, Walter Updegrave recommends that you choose well known and reputable insurers who are more likely to withstand a financial crisis. Spreading your investment among a couple of strong insurers is also likely to lower your financial risk.

References:

http://www.cnbc.com/id/28752293

http://money.cnn.com/2009/01/22/pf/expert/annuity_safety.moneymag/index.htm?postversion=2009012606

Barebones Computer Kits, The Bare Essentials in Home Computing

Barebones Computer Kits, The Bare Essentials in Home Computing

Barebones Computer Kits

Barebones computer kits the most simple of all the computers. The take the most basic computer hardware, assemble it into a simple computer case, and will run the most basic level tasks and processes. There is nothing flashy or exciting about these kits, they are just the barebone essentials, hence the name barebones computer kits.

Uses

Because of the system limitations with barebones style computers, their uses are going to be very limited as well. The reason for purchasing a barebones computer kits, or building one is because a computer is more of a convenience, and less of a necessity. For those users, dumping excessive amounts of money into their computers is pointless because the desktop computer will not be used enough to justify the large expenditure that a gaming computer kit or home computer kits may tend to cause.

A barebones computer kits are used for the most basic of operations, and are usually bought to perform the following functions:

• internet surfing
• email
• social media networking
• word documents, and office and business applications

Since this style of computer is meant to do nothing more than the more basic functions, there is no need to dump a great deal of money into something so simplistic. If you look at barebones computer kits from a different perspective, say laptops for example, you are looking at what is called a netbook. Netbooks are very small, very simple, and very inexpensive and are only meant for a few functions. A This type of desktop would have the same concept as a netbook but in desktop format.

Specs

Even the most basic system should carry a minimum of the following:

• 2GB-3GB RAM
• 80GB Hard Drive
• Intel Pentium or AMD Athlon Processor
• 128MB Graphics Card

The system specs do not have to be intense. The goal is for a bare minimum because the computer is not used often enough to justify that.

When you look for RAM keep in mind that it takes around 1GB of RAM to run most of the newer operating systems . So you still want to make sure that you have enough RAM to run the other functions that you are intending to use your computer for.

Your hard drive does not need to be huge unless you have a lot of games, photos, movies, and other media type files. Word documents, no matter what form they are saved as take up very little space. An 80GB hard drive would leave you with roughly 68GB of storage space. Part of the hard drive is allocated for the operating system and BIOS for your computer. 68GB is plenty of space for most people.

As far as your processor goes, I would recommend nothing less than a pentium or AMD athlon processor. A dual-core can be easily added for very little cost, and if you have a little bit of swing room, I would definitely recommend the dual core. It wil help speed up your processes, and make the general speed of the computer much faster.

Your graphics card is highly dependent on your other system hardware. You can not support a 1GB graphics card on the barebones computer kits. This is why I recommended a 128MG graphics card as opposed to something higher. The downside to a graphics card of this capacity is that it will not render graphics well on the screen.

A higher end graphics card would show much more detail and color in pictures, play games better, and show movies more clearly. With a barebones computer kit few if any of those operation are done, so it is not necessary to pay extra for a higher caliber graphics card. Also, a barebones computer kit would not liekly support a higher end graphics card. Nothing more than a 128MG is necessary.

Conclusion

This article gives the information as to differentiate a home computer from the barebones computer. Home computer carry a little more versatility than a barebones computer kit, however, on the most basic level of functions that they can handle them both on the same level. Barebones computer kits are intended for the users who sparingly use their computer kits, and a home computer kit is intended for a little more use, so the specs for home computers will be slightly higher than the specs for barebones.

Top 10 Benefits of Male Chastity

Top 10 Benefits of Male Chastity

Many people find the concept of male chastity fun and exciting. This is particularly true if the male partner is somewhat submissive or the female partner is somewhat dominant. But, it's not only for couples in those kinds of relationships. In fact, it can benefit almost any heterosexual relationship.

Male chastity is not just fun and games - there are real benefits to the male chastity lifestyle.

Because the topic is so personal, often those interested fear ridicule and embarrassment so, many of their questions go unasked. Just check out a forum or two where someone dared to ask a question about male chastity..."weirdo, whack job, pervert, sicko..." are often the unkind comments returned. It is a personal choice in life, like anything else and can be discussed sensibly like anything else. That's why I want to take some time today to write about the top 10 benefits of male chastity - for those who are to shy to ask about being under loving lock and key.

1. It stops your man from wasting his time and libido masturbating. If you are in a relationship, all of his sexual energy should be directed at you. It should not be wasted on him touching himself and thinking about other women. As long as he can masturbate, he is psychologically cheating on you - and lying to you by default.

2. Your sex life will improve. Because he'll have to please you in order to get his release, he'll become a more experimental and better lover. You will have more orgasms per week than you've ever had before.

3. Your relationship will become stronger. Male chastity encourages open and honest communication about each other's needs. This is an incredible benefit for any couple, and why male chastity can help any couple improve their natural bonding.

4. His orgasms will improve. As long as he can masturbate regularly, he is taking action that desensitizes his penis. Once he is on a more normal ejaculation schedule, his penis will become more sensitive and his orgasms will become stronger.

5. You will never have to worry about him cheating on you. Face it - most men, no matter how much they love their wives, can't turn down an attractive, sexy woman. Male chastity makes it impossible for him to act on these urges, so you are helping him remain faithful.

6. The romance will come back into your relationship. As long as he knows he can have sex with you any time he wants, there's no reason for him to romance you. That's why the romance stopped after you got married. By limiting his sexual access to you, you'll train him to be the romantic lover he was when you were still dating.

7. You'll never have to perform oral sex on him again. Of course, you can if you want to; but he'll be quite happy with any sort of release, and certainly never bother you to do it for him.

8. Your friends will compliment you on what a wonderful, attentive husband you have. They will be so jealous of your strong, committed relationship.

9. He'll become much more helpful around the house. Knowing that the only way he can get the release his body craves so badly is by pleasing you, he'll actually volunteer to do the dishes, clean the bathroom and make the bed every morning. Won't that be nice?

10. He'll feel better about himself. Most men are ashamed that they masturbate so often (usually seven to 15 times a weeks! Ewww!). But, they are slaves to their libido and can't help themselves. It's an addiction. Mostly it makes them feel like little boys who can't control themselves. Once he no longer is able to give into the temptation to masturbate, he'll feel proud of his self-control and behave more like a grown-up man who releases his sexuality into his wife, instead of down the shower drain.

Those are just the top 10 benefits of the male chastity lifestyle. While male chastity may not be for everyone - many couples find it to be the perfect solution to relationship woes and bedroom boredom!

How to Buy Laptop Computer

How to Buy Laptop Computer

If you are thinking of upgrading your present desktop computer, obviously laptop computers are the most possible variant you will be looking for. They are slim, small, compared to desks and most importantly - portable. However, there are some things to consider when buying a laptop computer:

1. Price.
Laptop computers are a bit more expensive than desks, although you do not have to buy monitor as laptop combines both. In this case the price is somewhat equal.

However, I suggest assessing your needs considering the size, performance qualities, brand and guarantee service.

2. Size and performance.
Even laptops are of different screen size and thickness. The smallest laptop has a screen of only 10 inches, the largest screen sizes can reach up to 19 inches and more. If you are going to use it mostly while traveling and only for checking email, browsing the internet, creating and editing some office documents or watching a movie occasionally - then netbook computer will definitely fit you. They are small, light, and not too expensive, plus, some brands have long lasting battery life, for instance Asus EEE PC 1008 HA. They can not boast of superb performance qualities and I doubt, if you will be able to do some graphics works with the mini laptop computers.

On the other hand, if you will be working at home, making and editing files which require much memory, playing up-to-date games with good graphics card along with powerful multiple core processor - then 17 or 15 inch laptop with some Intel dual or even quad core and at least 4 gigabytes of memory will suit you. They are more expensive than small laptops, but the difference between working with a 10 inch screen and a 15 inch screen laptop is obvious - you will not be able to do much graphics with the first.

3. Brand and guarantee.
I have my own opinion based on my experience considering the brands choice. I would personally choose Dell, Asus or Lenovo, and would be cautious about HP, Acer or Toshiba. I have worked with Dell computers a lot, including desks, and even a 10 year model would run like a clock, not mentioning the brand new laptops. I am currently working with Dell Inspiron 6400. Three years have passed and I still have no trouble with it, even system software has not been installed, because there is no need to. Beside, the guarantee is 3 years (at least in my country, it might be different in other countries). Another option which I would consider is Asus. Asus producers have the best statistics of small break number in the first three months of purchase. Their breakdown number increases in the longer term, but the statistical figures are still impressive.

Lenovo brand is known to be former IBM - which has always been a quality trademark. Lenovo laptops are not cheap, but they are worth it, although the guarantee is only 1 year.

HP has had some serious problems with HP Pavilion series, when a vast number of models broke down because of faulty graphics card chip. The funny thing was that many models broke down after approximately 1 year of purchase, and most of users could not use guarantee service, which is only 1 year. The problem was simple - the chip had no decent radiator to dissipate the heat and the connectors bounced off the motherboard due to extreme heating. You could bring the model to computer repair shop, change the motherboard with another video card or buy another computer. All the variants were pretty expensive. I would be more careful choosing the Toshiba or Acer model - they tend to collect much dust in a small fan area and start restarting due to excessive heat. I hope, producers have deal with that problem in new models, and then it's another story.

I would also pay attention to guarantee quality service. Where it is located, what's included in the repair works and what's not - those are important points, once you start experiencing some hardware problems.

Having said all the above, try to define your needs, the price that you are willing to spend and the brand that you know most of.

Pokemon Go

Pokemon Go

Pokemon Go is not fresh news. It has become one of the top rated and most popular games world-wide. What really is this craze and crave for Pokémon Go?

The popular Nintendo-built Pokémon which exploded in fame around the late 90s, has revived the game world with its latest GO version, and is taking the world by storm.

The Pokémon Go is apparently one of the series largest admittance into the mobile gaming. It is obtainable for a free download on Android and iOS. The game's fame at the moment is comparable to that of Twitter's daily active users on Android.

Pokémon Go is a game which utilizes a person's phone's GPS and clock to sense where the game player is inside the game, and then conjures a Pokémon to "appear" around you within your phone screen. It is your mission to proceed in catching them. The Pokémon series and games happens in a world inhabited by strikingly powerful monsters. These game monsters can appear as rats, dragons, snakes, birds, eggs, trees, dinosaurs and even swords.

As you move within the game, several forms and numbers of Pokémon's will appear randomly near your location and your phone's time tracking. The main goal of the game is to inspire you to trip around the real world to catch a Pokémon while within the game scene. By utilizing your phone's capacity to track time and your location, Pokemon Go mirrors what it would be like if the monsters really were wandering around. The monsters must be done and collected.

The principal entry of Pokémon games started with 151 creatures. However the catalog has since evolved to more than 720. With the Pokémon Go, only the original 151 creatures are accessible.

Pokémon Go is now fulfilling the fantasies that Pokémon fans world-wide have had since the game's first launch. It is a hot game for adventurous game players, and is one of the free trending games currently available. Fans should play now if they have not yet.

Further than attaining childhood dreams, Pokémon Go is everyone's intro into a new kind of game that connects the real world with a virtual one which is also referred to as Augmented Reality.

Why play this game? Since everyday activities can get boring, it can get better by spicing it up with the new craze, Pokemon Go!

Get the Drift of Finances

Get the Drift of Finances

Every man has his own set of fears. Some are afraid of heights, others are almost to the point of dying when asked to present an audience, and while there are some who are always running away from their debts. In the case of the latter, it is either they are carefree on finances or just plain careless when it comes to money.

Money is not everything but when one has nothing of it, he can almost do nothing as well. It is what he can do with finances that will determine his fight or flight plan when the situation arises. An important component of one's success portfolio relates not solely on how ready he is for the spending requirements of the present, but rather depends on how he can survive the tsunami of financial emergencies during an economic crunch.

To begin taking control of one's financial gear shift, he can start by getting his hands on some vital information on many financial instruments and other important factors such as cash, loans, credit cards, interest rates, and credit standing. Ones finances are personal matters that poor management can result in being heavily drenched in debt.

Even for couples, money can be an emotionally charged topic that may open a can of worms and ruin an awkward harmonic relationship.

On a corporate level, finance takes a notch higher in terms of priorities. Companies highly expensive on good cash flow resulting from sound financial management. That is the reason why a lot of firms would reserve the financial matters only to the best hands they have on the payroll or would even outsource such management to the best financial firms that can guarantee a healthy financial portfolio.

Owing to modern technology, it is easier nowdays to find financial management tools that can help even small companies to be on their tip-top shape when it comes to their finances.

There is a lot of downloadable computer software that can take care of the financial numbers by making a few keystrokes here and there. Some are freely available online and while others charge a premium for added proprietary features.

One example is Quicken Premier software that allows users to monitor their finances and can be linked to their bank or brokerage accounts for better ease of use due to consolidation of transactions. There is also the Microsoft Money which has become useful when it comes to investment tracking and the research tools that are readily accessible.

If the company can afford it, there are also the modular SAP ERP solutions that can be highly customized depending on the business needs and structure.

Whether big or small, availing any of the above or other financial management software is another financial consideration that must be given careful analysis and evaluation. The internet is a rich source of information about all these tools and can be a potent guide on which to choose. Compare prices and match benefits accordingly. One must also pay considering thought wherever these tools will work on the existing hardware and software programs readily at hand.