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90000 10 Invoicing & Payment Terms You Need To Know 90001 90002 Businesses, regardless of the industry or size, require regular cash flow from their clients and the customer to pay their expenses, such as their employees ‘salaries and the utilities. That’s why invoicing is a necessity. Without these bills, you will not be compensated for the services rendered or products sold, which in turn means that you will not be able to handle your expenses. 90003 90002 However, your invoice is only as good as the «payment terms and conditions» that you include.Without them, you are not clearly communicating when payment is expected, as well as other conditions like your preferred payment method, incentives for early payments, and consequences of late payments. 90003 90002 Additionally, payment terms can be used to help businesses receive payments on a predictable schedule. When you have this fixed payment schedule, you can easily create a budget and make financial forecasts so that you prevent any cash flow problems. 90003 90002 In other words, the success of your business may depend on the invoice payment terms that you create when sending out invoices.90003 90010 Here are the ten most relevant invoicing and payment terms: 90011 90002 90013 90003 90015 1. Terms of Sale 90016 90002 These are the payments terms that you and the buyer have agreed on. Terms such as cost, amount, delivery, payment method, and when the payment is expected or due. These are also the essential components of any invoice. 90003 90002 In short, it’s the expectations between the buyer and seller so that there will not be any potential misunderstandings nor disagreements because both parties clearly know what is expected and they are satisfied with the requirements.90003 90002 Terms of sale are particularly important in international trade since it covers when shipping occurs, who is responsible for international duties and taxes, and any other factors that have been established by the international chamber of commerce regulations. 90003 90015 2. Payment in Advance 90016 90002 Payment in advance, PIA for short, is simply a payment that is made ahead of schedule. It’s not uncommon for business owners to require advance payments for their products or services.For example, a freelance graphic designer may need a 50% down payment before starting a project. Advances protect sellers against non-payments and to cover any out-of-pocket expenses. 90003 90002 For example, a freelance graphic designer may require a 50% down payment before starting a project. Advances protect sellers against non-payments and to cover any out-of-pocket expenses they require to accomplish the project. 90003 90002 90030 90003 90015 3. Immediate Payment 90016 90002 This term, which is associated with «Cash on Delivery» (COD) or «Payable on Receipt,» means that a payment is due at the same time as a product or service is delivered .If the client does not make the payment immediately — whether by credit card, e-check, wire transfer, or online service payment — the seller has the right to repossess the goods of intellectual property. 90003 90002 While this term is beneficial for the business owner since it speeds-up the payment process, it’s unpopular among some clients and customers since they’re afraid that they will not have the cash to cover the bill. 90003 90015 4. Net 7, 10, 30, 60, 90 90016 90002 These imply that the net payment is due in either 7, 10, 30, 60, or 90 days after the invoice date.For example, if the invoice was dated June 10 and you used one of the most used payment terms, Net 30, then the payment would be expected before July 9. 90003 90002 Because this term can be confusing to both accounts payable teams and clients alike , it’s suggested that you use a term that is more clear, such as, «Days» instead of «Net.» Furthermore, to keep your cash flow positive, use shorter terms like, «Please make payment within 10 days.» 90003 90015 5. 2/10 Net 30 90016 90002 A term such as «Net 30» requires the client or customer to make a payment within 30 days.However, if they make a payment within ten days, they’ll receive a 2% discount. Of course, you can change these terms as you like. For example, you could sweeten the incentive by offering a 5% discount if the invoice is paid within a week. 90003 90002 To receive a greater response, however, rephrase this term so that it does not confuse the client. A simple phrase like, «Please pay within 10 days and save 2 percent» will make the offer perfectly clear and concise. 90003 90015 6. Line of Credit Pay 90016 90002 This payment option gives the client the opportunity to settle their bills over a period of time — typically on a monthly or quarterly basis.In other words, it’s allowing the customer to purchase a product or service on credit. This is more commonly used among larger companies and not small-to-medium sized businesses because of the risk involved, as well as its ability to decrease your cash flow. 90003 90015 7. Quotes & Estimates 90016 90002 This is simply the purposed price for your goods or services. This ballpark figure is commonly used when a client is comparing prices. While this is not the final amount that you’re going to bill the client, it should still include invoicing essentials like the price of your products or service, an itemized breakdown of how you’ve determined the price, and a time schedule of when the final goods or services will be delivered.Most invoicing platforms allow you to painlessly convert your quote or estimate into an invoice. 90003 90015 8. Recurring Invoice 90016 90002 As we’ve explained previously, recurring invoices are for ongoing services, such as landscaping or web hosting, and are typically for the same amount each month, like for a membership or subscription. Recurring invoices guarantee cash flow for your business, makes forecasting a breeze, and saves you time from having to invoice clients each month. This monthly payment erases some of the uncertainty and makes your life easier.90003 90015 9. Interest Invoice 90016 90002 What are the consequences when a client does not pay the invoice on-time? One of the most common solutions is to charge interest or fees on the invoice. Remember, when calculating the interest on late payment you’re only charging for the number of days that the payment is past due. 90003 90002 For example, if you charge a 6% interest rate and the invoice for $ 1,500 is 20 days late then you divide 20 by 365. Then multiply that result by .06 and finally multiply that figure by 1,500.The interest charge would come out to $ 4.93 for the 20-day period. 90003 90002 With that in mind, an interest invoice is not only a reminder of a past due payment, it’s an invoice that contains the relevant interest charges and a payment date to settle the payment. 90003 90002 Resend these invoice every month and adjust the calculation so that will reflect the additional days past due. 90003 90002 90073 90003 90015 10. Invoice Factoring 90016 90002 What if a client has not paid your invoice and you’re in desperate need of cash? You could consider invoice factoring.90003 90002 This is where you hand over your invoice to an invoice factoring company. You’ll receive an 85% advance upfront in as little as one day. Keep in mind that these companies will charge you a fee, so make sure that you read the fine print. 90003 90002 A company like BlueVine charges a fare 0.5% fee per week and will even allow your clients to continue to make payments under your business ‘name. 90003 90015 Conclusion 90016 90002 When thinking about your terms of payment, remember to always be polite, keep the terms short and clear, offer incentives for early payments, interest rates for late payments, and offer a variety of payment process options.90003 90002 Remember, when you have clear, specific, and consistent payment terms you can increase the chances of getting your invoice paid-on-time — which is what your goal is in the first place and is always great for your cash flow. 90003 .90000 People tested for Covid-19 in England NOT asked to give addresses during peak of pandemic, complaints of ‘incomplete’ data — RT UK News 90001 90002 People in England tested for Covid-19 during the height of the pandemic were not being asked to provide address details, it has emerged. Local authorities have hit out at the «poor and incomplete» data they’ve received. 90003 90004 90004 90002 According to the BBC, the UK Department of Health and Social Care (DHSC) has confirmed users of the government’s testing service only had to provide their postcode from April 23, as the country began to slowly recover from the worst of the outbreak.90003 90002 Councils and local public health officials say they had been asking the government for months to access data about the number and speed of coronavirus cases in their areas. Many have complained that some of the case data they have received was 90009 «poor and incomplete.» 90010 90003 90002 It was only on June 24 when Public Health England (PHE) started sharing test data — including postcodes — after local authorities began signing data-sharing agreements. PHE is now reportedly trying to match addresses to positive test results to better understand the spread of the deadly virus.90003 90002 It comes as the city of Leicester prepares to reimpose certain lockdown restrictions such as the closure of non-essential shops and limits on travel for residents, due to a recent surge in Covid-19 cases. 90003 90002 The city’s mayor Peter Soulsby lashed out at a report given to him by government officials, laying out the reasons for the lockdown. He claimed they had provided 90009 «no evidence» 90010 to suggest that the city remaining in lockdown longer than the rest of the country 90009 «would make a difference.»90010 90003 90002 The UK government has come under fire in recent days for failing to publish vital coronavirus tracking data that may have given Leicester leaders advanced warning that there would be a spike in cases. 90003 Also on rt.com BoJo’s father sparks outrage after reports of him breaking Covid-19 rules and flying to his Greek villa on ‘essential business’ 90002 The rest of England is set to relax restrictions further on Saturday, with pubs, restaurants and hotels set to reopen.However, 36 regions in England saw a rise in newly confirmed coronavirus cases this week. Consequently, local lockdowns may soon apply in 90009 «just days,» 90010 including some London boroughs, sources in PHE and the DHSC have told Sky News. 90003 90002 90029 90009 Think your friends would be interested? Share this story! 90010 90032 90003.90000 When does the student loan come in? UK payment dates for 2020 року — The Sun 90001 90002 FOR most young people, going to university is the first big step towards adulthood, but getting finance and loans in order can be daunting. 90003 90002 But do not worry, we’ve broken down everything you need to know about student loans including which dates you can expect your payments. 90003 90002 2 90003 Students will need to start repaying their loans soon after finishing their courseCredit: Getty — Contributor 90008 What are Maintenance loan payment dates for 2020 90009 90010 90011 Student loans are paid in three instalments, but the exact day you’ll get them depends on your term start date.90012 90011 If your course starts in September, you’ll most likely receive your payments in September, January and then April. 90012 90011 Payments are generally made to students on their first official day of their course, but only if you’ve registered your attendance with the university. 90012 90011 This is because the university will let Student Loans Finance (SLC) know that you’ve enrolled, and it can then release the payment on your term start date. 90012 90011 If you do not know how to enrol, contact your university for more information.90012 90011 SLC says it can take up to three days for payments to reach a student’s account though, so make sure you have money to cover initial costs, such as books, transport or your first month’s rent. 90012 90011 You can view your student loans payment schedule in your online account once your application has been approved. 90012 90011 If your payment dates do not show on your account, it could be because your application has not been approved yet or because SLC is still waiting for a registration confirmation.90012 90027 90008 How do you apply for a student loan? 90009 90002 Students can apply online for a loan through the government website. 90003 90002 They can apply up to nine months after the start of the academic year. 90003 90002 Students can set up a student finance account online, often needing to include household income, proof of identity and a loan declaration as part of their application. 90003 90002 You can apply for tuition fee loans and maintenance loans. 90003 90002 If you can not apply online then you will need to download the application forms and send them by post.90003 90008 Do you need to apply for student finance every year? 90009 90002 Changes in the Student Finance process means that continuing students must apply for funding every year. 90003 90002 Now paper applications have been scrapped, students must apply online. 90003 90002 Students can apply for funding via the government website. 90003 90002 2 90003 You an apply for a student loan on the government websiteCredit: Getty — Contributor 90008 When does repayment start? 90009 90002 When a student needs to start paying back their loan — and how much they have to pay — depends on which repayment plan they are on.90003 90054 Plan One (Loans taken out before September 1, 2012 in England or Wales) 90055 90010 90011 If a student’s income is more than £ 18,935, they will start repaying their loan the April after leaving their course. 90012 90011 This amount will increase to £ 19,390 from April 2020. 90012 90011 The amount they need to pay back will change on April 6 every year. 90012 90011 Students will stop paying if their income drops below this amount. 90012 90027 90054 Plan Two (Loans taken on or after September 1, 2012) 90055 90010 90011 If a student’s income is more than £ 25,725, they will start repaying their loan the April after finishing their course, or, if they are studying part-time, the April four years after the course started.90012 90011 This is set to increase to £ 26,575 from April 2020. 90012 90027 90002 Repayments are taken out from a person’s salary at the same time as tax. 90003 90002 Students can make voluntary repayments through the Student Loans Company. 90003 90002 But experts have warned graduates could be overpaying their loans by hundreds of pounds without realising if they are caught out by the automated payment system. 90003 90002 In fact, graduates are owed a whopping £ 28million in overpayments, research found last month.90003 90008 What is a maintenance loan? 90009 90002 A maintenance loan is for living costs, but you may have to provide details of your household income on application. 90003 90002 The cash is paid into your bank account at the start of each term. 90003 90002 To find out how much you can borrow, visit the government website. 90003 90002 90054 CREDIT THIS 90055 Universal Credit login: How to sign in to the website & what are the benefits? 90003 90002 90054 WAGE WOES 90055 When does the furlough scheme end in the UK? 90003 90002 90054 KEEP SAFE 90055 Where to buy face masks online in the UK 90003 90002 90054 NEW RULES 90055 Furlough changes from August 1 explained with employers starting to pay wages 90003 90002 90054 CLOSED DOORS 90055 From indoor theatres to nightclubs — list of businesses NOT reopening in July 90003 90002 90054 QUIET NIGHT IN 90055 When will nightclubs reopen to music fans in the UK? 90003 90008 How much are university tuition fees? 90009 90002 The amount that a student will pay for their university tuition depends on where they study, and what they study.90003 90002 Tuition fees can start from around £ 9,000, but can increase to more than £ 16,000. 90003 90002 According to the Business Insider, the UK’s most expensive university is Regent’s University London, followed by the Royal College of Music and the University of the Arts London. 90003 90002 A student will pay back nine per cent of their income over the minimum amount of: £ 17,775 for Plan 1, £ 21,000 for Plan 2. 90003 90002 Interest starts being added to your loan from when you get your first payment.90003 Martin Lewis reveals sneaky trick for student loan borrowers to get a refund worth HUNDREDS 90126 90127 90002 90129 We pay for your stories! Do you have a story for The Sun Online Money team? Email us at 90130 90129 [email protected] 90130 90129 90130 90135 90003 90127 .90000 Planning for the Unexpected: What to Do When Your Finances Take a Hit 90001 90002 90003 For many Americans, a major, unplanned expense would put them in a difficult place financially. Even with savings, some of these situations may call for immediate payment and can cause stress and budget problems that last for months — even years. These situations may include: 90004 90003 When faced with these unexpected expenses, there are two things you should do.First, figure out how to take care of the bills you need to pay. Then, take steps to make sure you are prepared the next time an unexpected bill arrives. 90004 90007 How do I pay for the expense right now? 90008 90003 Setting aside money for future expenses is a task most of us can probably handle when we put our minds to it. But what about the payments that need to be made now? A study by The Pew Foundation found that 41 percent of respondents would not have enough cash readily available to cover a $ 2,000 emergency.How do you pay for a relocation, health emergency, or major repairs if you have not saved the money? Here are some common sources for financial help if you do not have an emergency fund. 90004 90011 Ask for a payment plan 90012 90003 Before exploring other financing options, you could contact the company that you need to pay and explain your situation: You do not have the money today, but you’re working out a way to pay them as quickly as possible. A number of companies are willing to work with people to find suitable payment arrangements.Sometimes, spreading the payment out over two or three months, or delaying payment for 30 days, could be all the time you need to pay the amount owed without resorting to other financing options. 90004 90011 Carefully consider credit cards 90012 90003 An Experian study reports that 42 percent of survey respondents said «having a cushion for emergencies is the greatest benefit of having credit cards.» While a credit card is a great everyday financial tool, you may not have a large enough credit limit to pay for major unplanned expenses with one.Also, in some situations, a credit card may not be the best payment option if it has a high interest rate or if it does not come with rewards. You’ll likely want to explore other unsecured loans before making a decision. Credit card interest rates can be high, and they could increase, especially since the Federal Reserve is expected to raise rates. Make sure you know your card’s interest rate. The amount of interest you pay is based on your annual percentage rate (APR) and the balance on your card.Therefore, do your best to pay off all or most of your credit card bill every month to avoid paying too much interest. The lower the balance, the less interest you pay. Many people only pay the minimum amount due each month, which can cost them more in their total interest paid over time. If you choose to use a credit card to fund an unexpected expense, make sure to look at all your options to find the best fit for you. You could look for zero percent or low interest rate options, or a card that offers cash advance checks.Responsible use of credit cards has a number of benefits. 90004 90011 Cut your expenses 90012 90003 Taking a long, focused look at your expenses is a good idea anyway, but when you’re faced with an unexpected expense, it is critical. You can start by prioritizing which bills to pay first, then look at how big the debt is, as well as how much interest you may be paying on that debt. Next, examine your monthly bills and determine where you can make cuts. Yes, TV is entertaining, but according to 90022 Leichtman Research Group 90023, the average cable bill is $ 106 per month, so cutting TV can be a quick way to start saving money.Some families choose to sell one of their vehicles and share a single car between the household’s drivers. In some cases, you may not need a vehicle at all. It may seem like a big lifestyle change to sell a car, but if the unexpected expense is truly an emergency, this may be a sacrifice you have to make in the short term in order to be better off in the long run. Also, if riding a bike, or taking public transportation is an alternative, then this option could be better for your finances and your health.Once the emergency passes, you may even like your new situation. For example, less TV could mean extra time to work on a side business, more quality time with the family, or even just having one fewer bill to worry about. 90024 90004 90011 Borrow from friends and family 90012 90003 Your friends and family love you and many of them would probably do anything for you. But should you borrow money from them? Would you be comfortable with that? Would they? You can look to borrow from friends and family, depending on your financial situation.Before reaching out to someone, consider how borrowing their money could change the dynamic between you. Will they hold it over your head? Will they question you if they see you spending money on things they do not approve of? Will they keep reminding you about how they were the hero long after you paid them back? Then, should you decide to ask, and they agree, work on the terms of the loan. For example, will they charge you interest and, if so, how much? Iron out the details, make sure you’re both comfortable with it, and then fulfill your end of the deal.90004 90011 Earn extra money 90012 90003 Many of us could make extra money if we put our minds to it. Some people could pick up an extra shift at their current job, while others may seek out a second job that can provide extra income. Second jobs are especially popular during certain seasons; for example, a lot of employers hire extra workers during the winter holidays to handle the increase in business, while beach towns and other popular tourist destinations need additional workers during the summer when school is out.Another option is to start a side hustle. A side hustle is usually something that you’re passionate about and can earn money doing, but it may not have anything to do with your day job. Opportunities range from being a vacation rental host to driving for a ridesharing company or becoming a notary public. Some people put their creative juices to work by selling their creations on craft websites like Etsy, eBay, or t-shirt websites. 90004 90011 Sell items of value 90012 90003 Look around your home.Are there some items of value you can live without? Clothing, jewelry, handbags and purses, electronics, and even unused gift cards can all be sold for some quick cash. An old-fashioned garage sale or selling items online through different marketplaces may be an option for you. 90004 90011 Apply for a personal loan 90012 90003 A personal loan is usually a fixed-rate loan that is unsecured, meaning you do not need to put up collateral to get one. Personal loans can range from $ 2,500 to $ 35,000 or more.For those who need quick access to funds to cover a large unplanned expense, a personal loan could be a good solution. Some lenders, such as Discover Personal Loans, disburse the funds to approved borrowers in just a few days. One benefit of a personal loan with a fixed rate is that the interest rate and your monthly payment never change. A personal loan also typically has a set payoff date, and you know the total amount owed from the beginning of the loan. Interest rates can also be lower on personal loans than what is charged when carrying a balance on a credit card, making it a potentially better option.If you go the personal loan route, there are some key product features to consider before choosing a lender. You should understand the total cost of the loan to ensure you can pay it back. That means adding up all the potentially hidden fees that some lenders have. Your best option is to find one, like Discover, that does not charge application fees, origination fees, or pre-payment penalties. 90004 90007 How to avoid the «unexpected» 90008 90003 Now that the immediate concern of how you’re going to pay for the unexpected expense is taken care of, let’s focus on decreasing the chances you’ll have to face this situation again.90004 90011 Is that expense really unexpected? 90012 90003 Sometimes an unexpected expense is really just one we did not properly plan for. We know that certain bills come due at the same time every year, but it’s much more fun to eat a nice dinner with your spouse than set aside money for a bill that seems so far away. Do not fall for that trap! For annual bills, consider putting money away monthly into an online savings account. Some bills that may pop up less frequently to save up for include property taxes and home or auto insurance policies.90049 90004 90011 Save for periodic maintenance 90012 90003 Some bills seem unexpected because they do not happen every year. Replacing a roof, buying new tires, or major medical expenses are all types of major bills most of us could face eventually. One of the rules of thumb for owning a home is that you’ll spend, on average, one percent of your home’s value in repairs each year. The key words here are «on average» because some years the expenses will be very low, while other years they may be much more expensive, such as needing to replace the roof, or buying at least one major appliance, such as a fridge or washing machine.Car ownership can come with similar costs. Even if a car is paid off, it does not mean expenses will be low. While new vehicles may cost, on average, $ 1,186 per year to maintain, some drivers may find themselves spending more on routine maintenance, repairs, and replacements. You may not spend thousands on your car in a year, but brakes and tires wear down, gaskets and seals dry up, and electronics stop working as they should. It’s best to be financially prepared. Medical expenses can also fluctuate from year to year.In an ideal world, you would have enough money set aside to cover the out-of-pocket maximum that you could face in a medical emergency. Then, as you need to pay medical bills, you can pay them out of that fund, and then replenish that money over time. 90004 90007 When the unexpected happens 90008 90003 When the unexpected happens, it’s wise to immediately take care of the situation. Assess everything, then figure out the quickest and easiest way you can pay for the expense. Once you’ve taken care of the amount owed, put an action plan together to identify the expenses that could be preventing you from saving more money.Put your budget plan into action and gain confidence that you can handle the unexpected. 90004 90011 Share this Image On Your Site 90012 90003 Click to Enlarge Image 90004 .