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worry about whether you were overcharged for your car is pretty emotional. There is tons of advice on how to avoid getting ripped off, but few discuss the actual car repair prices. We really need to look at the charges on car repair estimate or auto repair invoice to determine if we’re paying too much.

The focus needs to shift from the outdated and ineffective advice to deal with certain charges. Are they legitimate charges? They can be justified by industry guidelines?

Now car repair estimates can be confusing. So let’s break it down to get a better idea of ​​whether Auto Repair Shop is billing you appropriately.

First, a glossary of terms is in order, as the auto industry has a language of its own …

Aftermarket Parts :. things are not made by or for the manufacturer

MSRP : Suggested retail price of the manufacturer

OEM : Original Equipment Manufacturer. Manufacturer approved parts designed specifically for the vehicle

TSBs :. Technical Service Bulletins. Notes and instructions from the manufacturer for known and specific concerns (they are not mine)

green fees :. Services such as alignments that do not get broken down into parts, tax, labor

Miscellaneous Charges : they can include, but are not limited to shop supplies – rags, chemicals, to dispose hazardous waste fees, waste oil … etc

Labor Rate : hourly fee repair center to service the car

Labor Time : time or hours decided that it will take to fix the car

Labor Description : step-by-step written details of repairs and / or services

Ok, let’s look at the anatomy of Auto Repair estimates

There are six key elements to car repair opinion

1) Customer / Vehicle Information

2) Parts

3) Labor

4) Miscellaneous Charges

5) green fees

6) a statement of changes

Customer and Vehicle Information

Using generic “top down” style food, the top part contains simply personal information and unique vehicle :. Year, make, model, mileage … etc, as well as the request or concern

We also find labor shop. The participation rate is important to determine whether you paid too much. Most repair centers do not list the labor rate. We will discuss why shortly.

Auto Parts

Parts are listed usually with a short description, and quantity, and price. There are three types of parts: OEM (parts of it or the manufacturer). These are the things installed by the dealer, although many local shops use OEM parts of

Aftermarket parts are non-OEM parts, and there are various degrees of quality, depending on the type and where they are made. – China against the United States, for example.

Then there are Used parts purchased from a salvage yard.

To determine whether you paid too much for parts, first find out what type of parts are used. With OEM parts, you do not want to pay more than MSRP, although most people do without realizing it. Television with aftermarket parts are similarly priced across brands, although beware not to pay more than MSRP, which again, making many folks. Used parts prices are all over the place, so choose the price in the middle.

Auto Repair Labor

Labor is billed in tenths. So 1.0 equals 1 hour. 1.5 equals an hour and a half.

Labor prices range from $ 60 to $ 100 per hour at local repair shops and $ 80 to $ 140 per hour at the dealer level. Labor times are based on established industry guidelines, which are often abused.

If you do not labor the store is based on the car repair invoice, ask the service for the price. Repair shops can manipulate labor (among others) the work of the county. Matrix pricing is a complicated and ethically questionable practice discussed Repair Trust literature. What you need to know is that you can pay as high as $ 150 per hour rather than the position of the labor exchange $ 105 per hour.

So you’ll want to multiply the number of hours charged (which is also often not posted) with labor shop to determine if you’ve been charged for it.

Most labor descriptions are poorly written and difficult to understand. So ask questions.

Here is the “clear” labor description for the 30,000-mile service on a Toyota Camry.

Performed 30,000 mile service on customer’s request, and in accordance with the manufacturer’s instructions. Changed oil and filter, installed new air filter, cabin filter and performed all the necessary tests, controls and procedures, including roadway (Miles 30.123 to 30,125). Performed lubrication services and freedom of establishment drive vehicle. Set the tire pressure, and checked fluids, belts and hoses. Note: vehicle is pulling slightly to the left. Need alignment

Miscellaneous Charges

The bulk of car repair bill will include parts and labor, but we can not forget Misc charges. These fees may include, but not limited to, shop supplies – rags, chemicals, hazardous waste, disposal fees, waste oil … etc. The latter charge separately in the summary at the bottom of the repair account.

Very few of these “extras” are actually used on a regular repairs. Miscellaneous fees are calculated by the amount of time the work charged, no amount of various items used.

green fees

Flat fees can be another very tricky area. Flat fees are services such as netting, which do not get broken down into parts, tax and labor. This makes it difficult to determine the actual and reasonable price. On the plus side, most flat fees competitively priced.

Note, however, another word for a flat fee is called Menu Selling. In other words, you might see Tune Up: $ 99.99 or Transmission Flush: $ 89.99. Follow the manufacturer’s recommendations only, not the dealer or menu repair shop.

For an interesting read on this topic, click

car maintenance costs

Index changes

The last part of the auto repair plan summary. It is usually found in the bottom right hand corner of the invoice. Check it against the charges above to ensure that it adds up mathematically, as well as logical.

This basic plan outline may be different from a specific account, which may have other categories like “sublet” or “Hazmat.”

A sublet charge is added to the Auto Repair Shop uses another vender to fix or repair your car, such as a glass company that replaces your windshield.

A Hazmat charge may include waste oil or other disposal fees. Just make sure that charges are warranted, as again, they too are often calculated by the labor time rather than actual need.

In short, understanding fees “real”, ask the right questions, and break down Auto Repair cost is the best way to avoid paying excessive car repair prices.

QuickBooks (TM) Premier Contractor Edition offers many features for billing and includes a fairly flexible Progress billing features. However, the Progress billing feature is definitely geared more towards line item accounts for General Contractors. Subcontracting and many General Contractors run up against customer billing issues when trying to properly utilize detailed job-costing with QuickBooks (TM) Progress billing.

To get good food vs job costing, the plan will need to enter in the exact format of the work, materials and subcontractors and other costs. The issue arises when the contractor is billing customers in lump sum Draw a plan rather than a line. In other words, the contract says that you must collect 20% after rough-in, 40% in the highest and 40% thereafter.

Usually a contractor in this situation would prefer to show the invoice Progress detail provided by QuickBooks (TM) running billing such as original contract amount as a lump, the current amount of the collection, and the previous amount or percentage charged. However, they do not want to show some line item numbers amounts as Labor, materials, etc., specified in the plan. Since Progress account pulls it’s data directly from the program, there is a conflict.

One solution is to create a custom Progress Invoice template that eliminates all columns except for the description and manually enter the details, such as 20% Draw, etc. The disadvantage of course is that you have removed one of the best features of Progress collection, created a manual entry, and the bill just does not look like a professional. Another solution, preferable in my opinion, is to create a group of objects containing detailed job-related cost issues still allow you to create a separate description. When you use this item on an assessment of your client, but you Job costing and Revenue reporting item, still Invoice created from the scheduled Group items together in one line with one amount.

The point of this scenario is that it seems that you need to install a new set of issues for each group of items that you use. If you always use the same combination of things, such as labor, materials, subcontractors, it would seem reasonable to set up a group object that contains these items to be used on every job. But what if you are a remodel contractors and in the work varies? No problem, you can actually change the items in the group team directly on the plan or account. This is done by clicking inside the group team in form (be sure you are within the group team, not above or below), using the Edit – insert a line, or change the blank line menu option to set or remove the items you want to change.

The auto industry is getting all the attention in this recession, but the construction industry is quietly feeling the pain too. You hear a lot about “housing starts,” “Sales of new homes” and “Sales of existing homes” when experts are discussing statistics but rarely do you hear a company mentioned by name. It is because there are so many more players in the industry and no single party gets as much attention or have as great an impact as companies like General Motors is for the auto industry. But that does not mean that there are not just as many challenges for builders and contractors both large and small.

One of the main challenges facing the construction industry funding. Credit is tight and there are many builders eager to proceed with the project can not get capital projects get started or current projects are completed. That’s where the construction account factors is necessary and logical choice.

During the project builder, contractor or subcontractor is likely to maintain high levels of receivables. They have performed tasks or even completed the project and are waiting to get paid. These days, every company has to wait as long as possible to pay their bills so based waits up to 90 days or longer to receive payment. At the same time, the builder has costs that must be paid as salaries, maintenance, rent, etc. Getting financing from the bank to keep the company solvent is difficult, to say the least.

However, the fact that outstanding accounts based is to stay relevant and value. Construction invoice factoring allows the builder to use this property to free up much needed cash to pay the costs. After all, it’s all about cash flow, and if the money is not flowing, there is no cash to expire.

Invoice Factoring is the practice of “selling” accounts to companies or individuals named element. The factoring agent provides a builder with a percentage of the nominal value of their accounts, usually 70-90% depending on credit history and credit worthiness of the debt collection companies. Once the bill is finally paid component provides the balance of the amount due less a small percentage for the service. This “fee” or “rate” of 1-5%.

The main advantages of the construction invoice factoring is that the builder or contractor ends with cash in hand quickly, often in 24-48 hours. And the cash that they get is their money, not the money that must be repaid to the bank over time. This allows the building to be current with their debts and buy things, like equipment, that will make their business more efficient and profitable.

Construction invoice factoring has in the past been considered an expensive proposition and action of last resort. But more builders, along with members of many other industries, are reconsidering the value of the power factor. In a tight credit market, invoice factoring is keeping many companies in the business. Even some banks have begun to appreciate the benefits of accounts receivable factoring and departments are starting to offer this service.

Sometimes it takes adversity to highlight previously underappreciated service. And in a recession where much of the focus is on activities in construction, construction invoice factoring has become the financial lifeline for many builders and contractors, both small and large.

Working as a beautician is not just about earning money, but also gives people a new-look and trust with your art to beautify. Set up your own beauty saloon phone requires a lot of effort, dedication and money. Just like any other business, it is very important for the beautician to see his / her business her grow not only for monetary compensation, but also to keep the motivation to work harder. However, as the number of customers visiting the saloon increases, executive pay, create account and keep track of the payment will be a difficult task. You have to spend a lot of productive time to manage all this complexity associated with the accounts.

beauties you know the art of making people beautiful, but to deal with the complexities involved in calculating and managing accounts is not your cup of tea. In such cases, online billing can be very successful. Billing generates instant invoices leaving you with plenty of time to carry on with efforts to give people a new-look and fill them with confidence.

Some of the main advantages of using online billing tools are:

Manual collection needs a lot of paper work. Paper work is time consuming and involves additional cost, too. Online billing will produce receipts as a PDF document that can be directly sent to the client. It’s quick and easy prevents all the costs involved in preparing manual invoices.

You can customize your online billing system and make it work the way you want. You need to enter the data client only once and create accounts when you want. Also, you can choose to report late payers to make the payment.

Online billing system can be easily integrated into your website. You can also change the logo and color scheme to match the look and style of your website. You can also use it as a stand alone application. User will never realize that they are not on your website.

As most of the work is done instantly with the help of the online billing system, yet you hassle-free and can spend your time on more strategic activities rather than administrative one. You are meant to spread beauty and you can continue to do so while everything else associated with the payment is taken care of by the system.

Online billing system can bring a lot of significant changes in the life of a beautician, and all those on the positive side. Your client will be happy to enjoy a streamlined billing process you invite them and will respect you more as a business brand. So, leave all your worries collection of online billing system and focus on spreading new confidence and beauty to people around you.

Other financing alternatives as invoice factoring can support small businesses that are going through the new health care reform law charges as total health care reform law will not totally run until 2018. Some self-employed individuals and small employers would not consider any effect for several years, even if some small business owners will feel the effects almost immediately.

is that organizations with approximately annual salary of less than $ 50,000 over the last months of 2010, companies with fewer than 26 employees and pays the health benefits of their employees exceeds half, it will have 35 percent of the price premium tax credit. Nevertheless, coverage can be purchased at reduced rates for self-employed people with diseases.

In 2011, the company with far less than 100 employees will qualify for grants to set up wellness programs. Employers will be able to earn a bonus of up to 30 percent of the price of insurance to employees. They will also be required to disclose the value of health care benefits on workers’ W-2 forms, and in 2018, the employees with the most expensive plans have to pay taxes on benefits.

For individuals with incomes over $ 200,000 and couples earning $ 250,000, Medicare taxes go up to 2.35%, up from 1.45 percent, prosperous Americans will know of 2013. The taxable benefit to flexible accounts expenses for medical costs will be especially $ 2,500 each year. Moreover, the Medicare drug benefit retired people is going to be removed from the tax by the employer.

Health exchanges is what you call coverage just about any company that has 100 employees have to shop for, given that by 2014, all US citizens must have insurance coverage. This will be a time where they have pre-existing conditions will not be rejected by insurance companies as they are barred from doing so. Finally, charges and penalties $ 2,000 seater employee charged to companies with 50 plus employees that do not offer insurance plan.

“For the majority of small businesses in the United States, the cost will go up in order to meet the new requirements of insurance coverage,” said George Shapiro, CEO interface Financial Group. “One way for small companies to be prepared to cover these costs and avoid penalties, is to begin a program of accounts receivable factoring.”

The economic situation in the past year has been difficult for small business proprietors, so those times paved means for creative resources as invoice factoring to help small businesses to work well. In order to sustain and increase, companies need money readily available. The one method that many companies have left to assist them when lots of bills stack up one account factors or known as spot factoring.

Invoice Factoring , or spot factoring, enables companies to get short-term working capital and increase revenue and expand their businesses. Factoring rewards companies that do not get paid out for 30, 60 or ninety days from accelerated to 90 percent of the company’s accounts from several companies do not get paid immediately for delivered products and even services.

With the discount, invoice factoring company buys selected accounts. Factoring companies first typically check the reliability of credit customers of the client, and they do not see buying 100% of claims of the company, so there are no or minor requirements best product sales volume.

Many business owners who have thought to use invoice factoring as a way to increase working capital decide it’s too expensive after they get their first proposal. Deciding to continue only based on factoring fee structure can be detrimental to market share, revenue cycle, and profits.

Although accounts receivable factoring has been around for centuries, many owners and financial executives aren ‘t educated about how it works. When factoring company receives the application and it appears the applicant is a good candidate for invoice factoring relationship, they will release the first proposal called Letter of Intent (LOI). Subject to due diligence, LOI defines the proposed contract, the going rate, and factors fee expressed as a percentage of the amount of adjusted accounts.

The last part of the Loi, fee structure, is often a concern for the potential factoring client. The truth is that Factoring is more expensive than traditional bank lines, although they are two different products. We have described the differences between the previous posts, emphasizing greater factoring services companies provide their customers. But the cost of funding is very important to those who can not get a bank loan and are considering using factoring to finance the company’s growth or survival.

When business owners get a proposal providing for Factoring fee will be 3% in thirty days, many will close the door immediately because the cost is too high. We urge decision makers to reject aspects of hand because of the cost. Instead, a deeper analysis should be conducted to compare the cost of capital to the opportunity cost of not continue with the arrangement. If there is no noticeable difference between the two, it may not be worth it to continue. But if it provides funding needed to get the company new customers or launch a new product line, incremental gains could well indicate that the high costs of financing is well worth it.

When analyzing the costs and benefits of invoice factoring, the decision-maker should first ask: Could immediate cash advance of 75% to 85% of my accounts will take advantage of to grow or improve it? If so, how would it affect the bottom line? The owner or CFO should then develop a spreadsheet containing estimated revenue and / or cost savings in connection with the progress and projected capital. For example, if the company has the opportunity to expand business with customers because of the infusion of working capital, the incremental gains exceed the cost of financing?

Create working capital through accounts receivable factoring can be a great way to jump-start the firm’s sales and profits. But the margin must be sufficient enough to cover Factoring charges. Opportunity must be considered before making a final decision to proceed or not.

You need to factor accounts now because the company has received a new contract for services that requires money to pay suppliers, employees and other expenses. You could probably called personal or corporate assets to get a bank loan, but you are hesitant to go that route. First, it takes time and you can not afford to get a loan before the committee and get it closed. You are also leery about tying up personal or business assets to obtain working capital.

Many in the financial community view factors in a negative light. They will tell you that it is too expensive. When I am faced with this argument, I do not disagree. It is more expensive than conventional financing. Unfortunately, not everyone qualifies bank. Factoring is appropriate for two private business groups: Those who are financially desperate and need a quick infusion of cash to continue operations and that are growing so fast, bank lines can not keep up with the growth. If your company does not achieve conventional financing, you should not at least entertain the idea of ​​going after other methods?

You should perform a cost-benefit analysis. Suppose you have the opportunity to sell a new line of products for the customer who will obviously require additional labor, materials and overhead. After being turned down for a bank loan, you take a look at the factors. Decision-making process should focus on the level of incremental profit from the contract after paying Factoring fees of 2-4% per month.

What factors can make for your business

There are many advantages to using factoring as a way to acquire much-needed working capital

Unlimited funds :. Funding is only limited by the pool of claims created by the company.

finances not appropriate :. The most important consideration is the financial situation of the company’s customers, rather than the company itself

Factoring Does T hurt your balance sheet Factoring is not a loan. It is purchasing requirements at a discount. Therefore, it does not affect your balance

Professional collections :. Most factoring companies give customers the opportunity to collect arrears requirements. However, factors hire a professional and courteous collectors for the purpose

Leverage acquisition rates :. Progress of receivables allows the company to cover Factoring fees by getting early payment discounts on purchases

establish Factoring Us

process to get cash advances for receivables is relatively simple and can be completed within a few days. Here are the steps required:

1. Complete factors application- The form requires basic information about the company, its officers, banking references, and permission to release information. Supplemental schedules so that more aging program, master customer list, articles of incorporation, and a sample invoice should be sent with the application.

2. Letter of intent: After processing the application and determine that the company is a good candidate for the factors factor will issue a letter of intent. LOI spells out proposed terms of the contract, including the advance rate (the amount of money advanced to the company as a percentage of accounts receivable adjusted), charges to demand, and the length of the contract. These terms put forward by the LOI is subject to due diligence.

3. Acceptance of LOI and diligence If the company accepts the terms of the Loi, a check must be submitted for due diligence costs. The amount is different from the element factor, but is usually between $ 250 and $ 500 Due diligence includes checking customer credit, make sure there are no liens on accounts receivable, and ensure that there are no federal tax liens against the company. As a result of the investigation, the specific terms and certain contract.

4. The agreement Each member signs the contract laid out in legal language, terms and conditions of factoring relationship. These terms were outlined in a memorandum and also includes other items such as “strength”, which may limit the amount of accounts, adjusted by any one customer.

5. started to get instant cash: After the agreement is executed, you can immediately start sending invoices for the completed product or service. The funds will be wired directly into the company’s bank account.

Factoring is not usually long-term financial solution, but it can provide much-needed capital for start-ups and other companies that are not “bankable”.

Invoice Factoring is probably the most popular form of business financing. Companies across the US are using invoice factoring to eliminate the need for conventional loans, and to increase efficiency. Many industries rely heavily on invoice factoring, and it has proven time and time again, they should. Every industry from medical transportation can benefit from invoice factoring. If you are not convinced read below and find out the top 5 reasons to get invoice factoring services.

1. No new loans, no loans

When you get financing account that you are not creating new debt, you are simply to sell it in exchange for cash now. You do not have to apply for a loan and that it is much easier to get an account factors money than any traditional bank loan. No other form of business financing allows you to get quick easy money without creating more debt or taking out a business loan.

2. paid for 24 hours

Average invoice financing is generally accepted in 24 hours. It varies from company to company, but no matter what time of approval, invoice factoring provides grants much faster than any other form of business financing. Many companies offer a 24 hour turnaround once you have been accepted.

3. eliminate collections

When you sell your accounts receivable to another company, you are also eliminating the need to collect the claims. It then becomes the responsibility of the firm to collect those debts. If you have a close relationship with your balance to ensure that you trust financial institutions to handle them correctly, otherwise you do not get an account factors [http://www.transfac.com/invoice-factoring.html]. In the rare occasion financially can not collect, they will generally forward it again to permit the collection agency.

4. No contracts

Since accounts Factoring is different from traditional forms of business financing, there are fewer strings attached. There are usually never contracts involved, and when they are generally simple with a few provisions. Many companies offer no contract account factors that can be very useful in certain situations.

5. improved cash flow and credit

by obtaining such financing you’re going to have a lot of sudden liquid money. This extra cash is the main reason companies are attracted to the account factors. Supplemental cash flow allows you to pursue various options from the payroll accounts. It will also help your business credit rating by eliminating the creation of additional debt.

The Time Billing option in MYOB is for companies that charge for their time and include sectors such as accounting, consulting, legal and service systems orientated companies to name a few.

In this example we are going to use a consulting firm specializing in accounting that our business. We have three consultants who perform different activities and are charged out at different rates. The Command Centre click on the Time Billing the Activities List. At the bottom of the window click on New. Enter Activity ID that could be shortening Activity Name, eg gde be General data entry. End Activity ID, name and description. Select income and GST code you want to use. The default Type is longer than you have the option to choose Non-hours activities that you may have a set fee per month. If you choose this option, you will be asked to enter the unit and labor. Unit could be monthly, for example.

Finishing Status option, and use Type-hour option specify what speed you want to use. The Employee Rate would have been installed on employees map would Client Rate have been set up on the customers card. If you choose employment you will be asked to enter employment.

After you have finished your work list on the Time Billing Command Centre click on Enter Activity Slip. Enter the employee you are charging out, date, customer, functionality and modules which in this case would be hours. You also have the option to enter a note regarding the project can be used on the account if you choose not to use the project description. Record projects.

Once you have completed your work and are ready to account, in the Time Billing Command Centre click on Prepare Time Billing account. List of clients ready for collection will appear. Select the customer you want to invoice and click OK.

processing window will appear prompting you to choose what you want to account. When choosing what you’re going to bill, you can then choose to use the active ingredient Notes Task Name / Description Invoice if this is your choice.

Click Prepare account. Check the date and other details and if everything is OK click Record. Complete the process for all customers who want to account.

To print the bills go to sales management organization and click on the Print / Email accounts. List of accounts appears ready for printing. Check the ones you want to print, how many copies and Sales Layout you want to use and click Print.

These are tough times for the Health industry. Revenues in general have slowed due to the recession, as more people have lost their jobs and health insurance. Elective operations and methods have also fallen. To compound the problem, Medicare is offering a lower reimbursement rates and insurance companies are taking longer to pay. Medical invoice factoring is an important tool now more than ever to bring much needed capital into practice or hospital.

Accounts receivable factoring has been in existence for centuries, but is relatively new for the medical and dental industries. Medical invoice factoring is available to Billings third party only. These are government programs like Medicare, Medicaid and various state programs and insurance companies such as Blue Cross and Aetna. Patient responsibility expenses such as copays, deductibles, and the selected action can not be a factor.

Medical Accounts factors in a nutshell

Simply put, it is to buy a medical practice, clinic, or a third party receivables hospital discount. The factoring company advances 75% to 85% of net collectible value of Billings in the local money, which is wired directly to a bank account held. The remaining amount (15% to 25%) is called the reserve and returned to the doctor or dentist hand with the government or an insurance company pays the bill less elements collected during the period.

Set up an account factors arrangement

The types of initial information required on the front end varies from episode to episode. But in general, a completed application that requests basic information about the practice, the past two years financial statements, articles of incorporation or LLC operating agreement and existing third-party receivables aging report is required. If an episode like what they see, they will issue a letter of intent otherwise known as a term sheet. This document states the proposed terms of the contract, such as advance rate, the fee rate of thirty days, and the cost of the due diligence review.

If the provider agrees to the terms, he signs a memorandum of intent and puts a check for the amount due diligence review. The revision is necessary for the element to review billing and collection systems analyst, analyzing the history museums of the payer, and determining the average percentage of Gross Billings are expected to be paid. Clean collecting percentage will be applied to accounts received by factors.

If the element is satisfied with the results of due diligence, agreement concluded as follows in specific terms how the relationship will work for both parties. I always advise my clients that they review the deal very carefully, or have their lawyer look over so they will feel good about what they are buying. I represent only medical invoice factoring company producing contracts are straightforward and relatively easy to understand, so it is not likely to be any “surprises” in the document. Once the contract is signed, financing can start immediately.

How Invoice Factoring differs from a bank credit line

Many banks are not comfortable lending to medical and dental providers when insurance is third party accounts of their reach. That’s why they put restrictions on the credit line. With medical accounts receivable factoring, financing is usually limited to the pool a third party claims. There are other differences:

• Factoring is not a loan, so it will not adversely affect the balance available is
• Unlike most bank loans, personal responsibility is not required
• No additional insurance is needed
• The credit score of the hand is not the case

Medical invoice factoring has grown significantly in volume in 2009 as banks have pulled back on their lending. Although capital costs are generally higher than traditional loans, the inflow of cash flow allows the hand to count on a stable working capital base to maintain or grow their practices.