tag:blogger.com,1999:blog-79815162318947848942023-11-15T23:32:05.524-08:00Steve Sorensen EmbezzlementSteve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.comBlogger12125tag:blogger.com,1999:blog-7981516231894784894.post-92164730135937298562018-10-18T15:47:00.002-07:002018-10-18T15:50:26.512-07:00Make a few adjustments at home and save a ton on your bills<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
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How far would you need to go to save up on your bills? Apparently, not that far according to some financial experts. Small adjustments at home can help a person save hundreds, if not thousands, of dollars a year. <br />
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Let’s take a look at some of these minor changes.<br />
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First things first. If you have good internet connection, get rid of TV and magazine subscriptions. Almost everything a person needs can be found online. This eliminates the need for TV and print publications. While you’re at it, use the TV sparingly to save on electricity.<br />
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Unplugging devices at night before you go to sleep may seem la small act, but it can have a huge impact on your yearly budget. Since devices can suck energy from socket even when they’re turned off, unplugging them can save you $8 to $10 a month. That’s easily over $100 a year.<br />
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As far as household fixtures go, doing away with ordinary faucets and replacing them with low-flow taps can cut the water bill in half. You can find these faucets in your nearest hardware store.<br />
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Insulated water tanks are also great at saving energy since it keeps water hot longer when you need it. <br />
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As the weather starts to get colder, open the windows as bit for natural air to cool the place instead of using the A/C or even a fan. <br />
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Do you want to share tips on how to save money? Feel free to do so in the comments section below.<br />
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<i>Hello, my name is <a href="http://www.stevesorensenembezzlement.com/">Steve Sorensen</a>. I’m a CPA based in Colorado. I live for imparting financial advice. Learn more about me and the stuff I’m passionate about <a href="https://stevesorensenembezzlement.wordpress.com/">here</a>.</i>Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com1tag:blogger.com,1999:blog-7981516231894784894.post-18878296946989633092018-09-26T12:40:00.002-07:002018-09-26T12:40:32.522-07:00Fintech trends to pay attention to as we near 2019<div class="separator" style="clear: both; text-align: center;">
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With the unprecedented rise of blockchain and its offspring cryptocurrency, the fintech industry has undergone seismic upheavals in recent years. Indeed, blockchain is considered by experts as the most disruptive technology to arrive in the last decade. But 2018 is almost over and other trends are on the rise. Let’s look at the top three emerging technologies that are, while by themselves mostly offshoots of blockchain, may prove equally disruptive. <br />
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The first trend to watch is the rise of <b>Decentralized Apps</b> or Dapps for short. Expect wider deployment of apps that work within the canopy technology of blockchain. With Dapps, an open-source software ecosystem will arise globally, pooling resources across a variety of machines, even from idle PCs. It is seen as both easy and secure to develop, leading to a more liberated, community-owned setup.<br />
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<b>Data mining</b> is already all the rage but expect it to gain a more streamlined policing infrastructure, benefiting those that harness data with transparency and honesty in mind. This is the immediate impact of the arrival of the GDPR or General Data Protection Regulation, which is now mainly implemented in the EU. Tech giant Microsoft is at the forefront of implementing GDPR restrictions on a more global scale.<br />
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Finally, as cryptocurrency gains more mainstream acceptance, so will the need for more secure processes. With this demand comes huge leaps in <b>quantum computing</b> technology. Quantum-powered PCs can do computations way beyond current standard computers, allowing for even faster fintech logistics handling and the solving of complex algorithms.<br />
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<i>My name is <a href="https://www.flickr.com/photos/stevesorensenembezzlement/">Steve Sorensen</a> and I’m a certified public accountant and business writer based in Colorado. I help provide companies with strategies for avoiding employee embezzlement, legally lowering taxes, and improving their overall financial structure. More finance tips and insights <a href="http://www.stevesorensenembezzlement.com/financial/">here</a>.</i>
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Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-79806282451038912492017-06-14T01:53:00.000-07:002017-10-13T01:57:06.650-07:00Three Important Tips To Achieving Financial Security<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Over the last few years, almost all research conducted on retirement noted that individuals are unable to demonstrate financial readiness for their retirement years. The main reason is the lack of financial literacy. A lot of people believe that saving for <a href="http://money.cnn.com/2016/01/06/retirement/retirement-financial-security/index.html">retirement</a> isn’t for everyone because it is too expensive. But nothing could be further from the truth.
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<span style="font-family: Verdana, sans-serif;">If you start now, you can reach the age of retirement and be able to afford it. Here are three ways to start:
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<span style="font-family: Candara; font-size: 12.0000pt; mso-bidi-font-family: Arial; mso-fareast-font-family: DengXian; mso-spacerun: 'yes';"><b>Image source</b>:<a href="http://ei.marketwatch.com//Multimedia/2016/08/21/Photos/ZH/MW-EU382_beach0_20160821175607_ZH.jpg?uuid=104d8146-67ea-11e6-8fc3-0015c588dfa6" target="_blank"> marketwatch.com</a></span><span style="font-family: Candara; font-size: 12.0000pt; mso-bidi-font-family: Arial; mso-fareast-font-family: DengXian; mso-spacerun: 'yes';"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Start as soon as you can</b>
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<span style="font-family: Verdana, sans-serif;">The earlier you start, the earlier you can afford retirement. So, when’s the best time to start? The moment you received your first paycheck, you should start saving for your future. If you haven’t already, then start now.
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<span style="font-family: Verdana, sans-serif;"><b>Be prepared for emergencies</b>
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<span style="font-family: Verdana, sans-serif;">According to experts, your emergency fund should be at least six months of your monthly income. Try to build up your savings so you can have something when rainy days come. A health insurance should be one of your top priorities.
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<span style="font-family: Candara; font-size: 12.0000pt; mso-bidi-font-family: Arial; mso-fareast-font-family: DengXian; mso-spacerun: 'yes';"><b>Image source</b> : <a href="http://retirementsolutionsnj.com/wp-content/uploads/2017/02/retirement-savings-1200x800.jpg" target="_blank">retirementsolutionsnj.com</a></span><span style="font-family: Candara; font-size: 12.0000pt; mso-bidi-font-family: Arial; mso-fareast-font-family: DengXian; mso-spacerun: 'yes';"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Invest for retirement</b>
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<span style="font-family: Verdana, sans-serif;">Your immediate and short-term needs are easy to focus on. However, it’s not so easy for young adults to plan for the long term. They’re too busy living in the present to care. After all, retirement is a long way off. Only 19 percent of adults age 25 and under contributes to a traditional or Roth IRA. Remember, the earlier you start, the easier it is to save for retirement.
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<i><span style="font-family: Verdana, sans-serif;">Hi, my name’s <a href="http://www.stumbleupon.com/stumbler/stevesorensen03/likes">Steve Sorensen</a>. I’m a certified public accountant. I consult for business finance and investment, banking, and also on issues involving employee embezzlement. Visit my <a href="https://sites.google.com/site/stevesorensenembezzlement/blogs">blog</a> to know more.</span></i></div>
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Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-47892230853125926002017-05-29T23:35:00.000-07:002017-07-30T23:36:07.087-07:00The Necessary Steps to Take When an Employee is Caught Stealing<div style="text-align: justify;">
Dealing with employee theft, whether it is as simple as taking money from the cash register or as complicated as the falsification of an expense account or issuance of phony checks, is never an easy undertaking for any business leaders.</div>
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While there is a need for justice to prevail and to admonish and correct the wrongdoer, it is also essential to practice due diligence to enforce parity and protect the entire organization.</div>
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<tr><td style="text-align: center;"><a href="https://aos.iacpublishinglabs.com/question/aq/1400px-788px/should-company-terminate-employees-caught-stealing_5ea98b7f763d28e7.jpg?domain=cx.aos.ask.com" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="450" data-original-width="800" height="179" src="https://aos.iacpublishinglabs.com/question/aq/1400px-788px/should-company-terminate-employees-caught-stealing_5ea98b7f763d28e7.jpg?domain=cx.aos.ask.com" width="320" /></a></td></tr>
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<span style="font-family: Candara; font-size: 10.5pt;"><b>Image Source</b>: <a href="https://aos.iacpublishinglabs.com/question/aq/1400px-788px/should-company-terminate-employees-caught-stealing_5ea98b7f763d28e7.jpg?domain=cx.aos.ask.com" target="_blank">reference.com</a></span></div>
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The following are some of the necessary steps that should be taken in cases of an employee caught stealing:</div>
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<b>Investigate</b></div>
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The last thing organization leaders would want to do is formulate and implement decisions that are based solely on mere hearsays. Evidence should be gathered to ascertain what had happened. There are also cases when third-party investigators need to be brought in as they have expertise in the field.</div>
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<b>Check the policies</b></div>
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It is important to base the decision or penalty on company policies because doing so can be the difference between a quick resolution of employee theft and complex litigation. Company rules need to be enforced consistently as well.</div>
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<b>Use words carefully</b></div>
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Just like the previous step, using euphemisms or appropriate terms can save the organization from litigation or defamation cases. For example, the word “theft” can open a can of worms. In most cases, especially if the accusation has not been proven yet, it is better to use “violation of company policy.”</div>
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<span style="font-family: Candara; font-size: 10.5pt;"><b>Image Source</b>: <a href="https://www.legalevidencecorp.com/media/k2/items/cache/71f67488b0857639cee631943a3fc6fa_XL.jpg" target="_blank">legalevidencecorp.com</a></span></div>
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<i>Hello, I’m <a href="https://sites.google.com/site/stevesorensenembezzlement/" target="_blank">Steve Sorensen</a> from Colorado. I work as a financial advisor, helping clients create retirement plans, regularly monitor current economic conditions, and prevent employee embezzlement. Follow this <a href="https://www.facebook.com/Steve-Sorensen-Embezzlement-1809017712647160/" target="_blank">Facebook account</a> for similar reads.</i></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-33436808782642064612017-04-12T05:08:00.000-07:002017-06-22T05:09:15.138-07:00Accounting Myths You Should Stop Believing<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Accounting is not a simple job. It involves numbers and principles that would take years to master. Although accounting is a well-known process, many people still believe a few myths in the field. Let’s take a closer look at some of the misconceptions you may have about accounting.</span></div>
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<b><span style="font-family: Verdana, sans-serif;">Accounting and Math</span></b></div>
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<span style="font-family: Verdana, sans-serif;">People would probably take one look at accounting and assume that it’s all about mathematics, like geometry or calculus. But no. Accountants use math in accounting, but they also use knowledge in other fields such as business and government processes. Accounting not only looks at numbers, but also at assets, liabilities, and so on and so forth. CPAs would tell you that accounting is more about research and storytelling than math.</span></div>
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<b><span style="font-family: Verdana, sans-serif;">The identity of accountants</span></b></div>
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<span style="font-family: Verdana, sans-serif;">A person who’s trained in prepping taxes isn’t necessarily an accountant. An IRS agent isn’t necessarily an accountant. They could be, but people regularly equate accountants with these individuals. Accountants can work on their own, or in companies, or in the government. They’re not limited to a few fields. Financial planners are also mistaken to be accountants, probably because accountants review a lot of finances in their work. It should be noted however that being an accountant is a big plus for some jobs, such as being a financial advisor or a Chief Financial Officer.</span></div>
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<tr><td style="text-align: center;"><a href="https://www.theselfemployed.com/wp-content/uploads/2014/01/Bookkeeper-and-an-Accountant.png" style="margin-left: auto; margin-right: auto;" target="_blank"><img border="0" data-original-height="854" data-original-width="1280" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL2CZePTEjj-7q5Q8lP45EpOdAG9egbqlrS-uNJCSbTdZQU2Qby2L6IoOL99A9o2PR7eP1RwfKy5WH3frUH7Nn5XuxoWUPrpG-wV2L1JDL-pqwcOjqShkfvjqkr36iTsJqWs-kLCaufQ/s400/Bookkeeper-and-an-Accountant.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana, sans-serif;">Image source: <a href="https://www.theselfemployed.com/wp-content/uploads/2014/01/Bookkeeper-and-an-Accountant.png" target="_blank">theselfemployed.com</a></span></td></tr>
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<i><span style="font-family: Verdana, sans-serif;">Hello! <a href="https://www.blogger.com/%E2%80%9Chttps://www.linkedin.com/groups/8562701/profile">Steve Sorensen</a> here, Colorado-based CPA and business writer. For more about all things business, check out this <a href="https://sites.google.com/site/stevesorensenembezzlement/">page</a>.</span></i></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-43873867865493895542017-03-14T05:36:00.000-07:002017-05-02T05:38:20.991-07:00Five Common Financial Mistakes To Avoid<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Industry experts say that <a href="http://www.independent.co.uk/money/7-financial-mistakes-to-avoid-in-2017-a7488006.html">financial literacy</a> is more important than ever. Current political and economic climates have created shifts within the financial industry. While the market remains stable, adults should be more knowledge-savvy. This implies doing one’s due diligence and avoiding these five common financial mistakes.
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<tr><td style="text-align: center;"><a href="http://consciouslifenews.com/wp-content/uploads/2014/10/economy-financial-market.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-family: Verdana, sans-serif;"><img border="0" src="http://consciouslifenews.com/wp-content/uploads/2014/10/economy-financial-market.jpg" height="178" width="320" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana, sans-serif; font-size: x-small;"><b style="text-align: justify;">Image Source</b><span style="text-align: justify;">: </span><a href="http://consciouslifenews.com/wp-content/uploads/2014/10/economy-financial-market.jpg" target="_blank">consciouslifenews.com</a></span></td></tr>
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<span style="font-family: Verdana, sans-serif;"><b>Paying debts with savings</b>: This initially sounds like a good idea, but this is detrimental in the long run. Most people shave off their retirement savings, under the impression that they can easily fill the gap. However, even the most disciplined planners have difficulties placing money aside once the sense of urgency is gone. Most of the time, the pace just continues and people forget saving after the debt is paid.
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<span style="font-family: Verdana, sans-serif;"><b>Not having an emergency fund</b>: This is not a nice thing to plan for, but the reality is, emergencies happen. People need to have an emergecy fund when the uexpected inevitably occurs. More importantly, these funds <i>should not</i> be supplemented by credit cards. These can add more to one’s debt.
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<span style="font-family: Verdana, sans-serif;"><b>Not budgeting</b>: Again, a seemingly tedious task. However, analysts have found that people’s financial futures are highly dependent on their budgets -- or lack thereof. Present-day actions affect future financial status so it is necessary to begin budgeting now. Having a budget also helps people decide where they want to go in terms of their short- and long-term goals.
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<span style="letter-spacing: 0pt;"><span style="font-family: Verdana, sans-serif; font-size: x-small;"><b>Image Source</b>: <a href="http://16746-presscdn-0-67.pagely.netdna-cdn.com/wp-content/uploads/2017/01/Financial-markets.jpg" target="_blank">sweetcrudereports.com</a></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Having no insurance</b>: As with the emergency funds, these are important (though admittedly boring) tasks that all adults need to do. Insurance, whatever the coverage is, is essential to securing a stable and comfortable future.
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<span style="font-family: Verdana, sans-serif;"><b>Ignoring additional income opportunities</b>: The previous four points were more of reactive measures, but emphasis should also be given on proactive action. Thinking that one’s current job pays the bill is enough is poor thinking. Nothing is guarenteed and there are many ways to earn additional income while still having personal time.
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<span style="font-family: Verdana, sans-serif;">Another great advice is to speak with a financial advisor for a more in-depth discussion. <i><a href="https://www.youtube.com/channel/UCpH6qElwhrfqagLS1UhObN" target="_blank">Steve Sorensen</a> </i>is a financial blogger interested in emblezzement topics and how to develop better financial literacy. Learn more when you follow this <a href="https://stevesorensenembezzlement.wordpress.com/">blog</a>.</span></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-49604240197807779732017-02-15T23:53:00.000-08:002017-03-28T23:55:43.109-07:00Golden Rules For The Golden Years: How To Plan Your Retirement<div style="text-align: justify;">
Ask any financial advisor for trade secrets and almost all of them will mention setting up a good <a href="http://www.cnbc.com/2017/03/22/your-retirement-is-in-trouble-what-are-you-doing-about-it.html">retirement plan</a>. Current studies suggest that young adults need to start saving as soon as possible to assure themselves a happy and financially secure retirement. Despite recent surveys revealing that around 60 percent of workers say they need less than a million to retire well, financial analysts say that professionals should take their 401(k) very seriously. Planning ahead and saving for retirement now are crucial financial milestones.</div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNKwX7gqCqo3x95Tcm93tlKRNDZcZaNJLcXvBh6rcmNu9OAE5MTMn4NPp5uqkuLbTBuJnrOE0d4Kr7bXMgLSPyJHCxnyoIynYP48pn7a7gLE0peT9zP_RBaAtJa3AWS4aqWTnVaW3Heg/s1600/1.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="263" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNKwX7gqCqo3x95Tcm93tlKRNDZcZaNJLcXvBh6rcmNu9OAE5MTMn4NPp5uqkuLbTBuJnrOE0d4Kr7bXMgLSPyJHCxnyoIynYP48pn7a7gLE0peT9zP_RBaAtJa3AWS4aqWTnVaW3Heg/s400/1.png" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image Source: <a href="https://www.usnews.com/dims4/USNEWS/d7acc3a/2147483647/thumbnail/970x647/quality/85/?url=%2Fcmsmedia%2F65%2Fec%2F9df9582a4116905f6fbbc49f2ed3%2F141215-retiredcouplescooter-stock.jpg">money.usnews.com</a></td></tr>
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There are several ways to improve one’s retirement plan.</div>
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<b>Retirement is expensive</b>: It is impossible to fully know how much one would need to retire comfortably. However, it is always safe to overestimate and work from there. Retirement is an expensive time - especially if you are considering a well-off lifestlye. Financial analysts advise taking a look at your most lucrative job and needing at least 70 percent of that to suit your retirement needs.</div>
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<b>Get involved</b>: Most companies offer a retirement savings plan. Make sure to sign up for their personalized 401(k) plan and contribute as much as you can. Not only will the taxes be lower, but there is a strong possibility that the company will give a little bit extra. The more funds invested in the plan, the wider the safety net.</div>
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<b>Consider inflation</b>: It is best to start early. Young adults are asked to consider inflation and learn how to invest wisely. This means knowing how much you can save every month and your own pension plan. A good way to allocate funds is to spread capital among several investment options. This way, there are multiple channels for growth.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image Source: <a href="https://blogs-images.forbes.com/learnvest/files/2014/09/dream-retirement-experts-1940x1293.jpg">forbes.com</a></td></tr>
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<b>Don’t touch it</b>: This is a big no-no. There will always be extenuating circumstances that will tempt one to withdraw <i>just a little</i> from their retirement savings. Do not give in to the temptation. Take care of this savings account. If you change jobs, try rolling them over to an individual retirement account or to your new employer’s plan.</div>
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Most importantly, keep up-to-date with the latest financial trends and consistently follow your budget.</div>
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<i>My name is <a href="https://sites.google.com/site/stevesorensenembezzlement/">Steven Sorensen</a> and I write about the financial industry and tips on how to be more business-minded. Learn more about me and what I write about when you follow this <a href="https://twitter.com/stevesorensenem">Twitter</a> account.</i></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com1tag:blogger.com,1999:blog-7981516231894784894.post-38255153548939363222017-01-10T23:55:00.000-08:002017-03-20T23:55:43.923-07:00Know What To Invest In After Retirement<div style="text-align: justify;">
One of the biggest mistakes people make is that they don’t prepare themselves for retirement. Making the right decisions regarding finances can assure people of the life they want after retiring. This is why they need to consider investing in the things that would offer positive returns. Let’s take a closer look at some of the more sound investments you can make.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image source: <a href="https://www.cu.edu/sites/default/files/styles/basic_page_image/public/pages/images/es_landing_retiree_couple_whitebkg.jpg?itok=wyzC8hl8">cu.edu</a></td></tr>
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<b>Cash</b></div>
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One of the more obvious investments is of course, money. Let me explain. When you consider retirement, think of it as a long-term business. Retirees should be able to live on their money for at least two years, if they have no income at all (although this is rarely the case). It’s very important to have a nest egg and emergency funds. It’s no secret that as we age, our health deteriorates. Having extra cash will certainly make a difference.</div>
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<b>Bonds</b></div>
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Owners of bonds rake in interest over time, which can offer steady income over a period of time. Great bonds to invest in are treasury inflation protected securities, otherwise known as TIPS. These bonds handed out by the government adjust with inflation. With that in mind, you might want to put them in an account that isn’t taxed.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image source: <a href="https://openclipart.org/image/800px/svg_to_png/181274/Government%20Bonds%20Label.png">openclipart.org</a></td></tr>
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<b>Real estate</b></div>
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Whether you’re retiring or not, real estate is always a great investment. It can be very lucrative because let’s face it, everybody’s looking for places to live, or for places to put up their businesses. Having a house, townhouse, condominium, apartment, or other spaces rented out also assures people that they’ll be busy during their retirement years, and they’ll have a lot of income.</div>
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<i>Hello there. I am <a href="https://twitter.com/stevesorensenem">Steve Sorensen</a> and I’m a CPA and business writer based in Colorado. For more business discussion, check out this <a href="https://stevesorensenembezzlement.wordpress.com/">blog</a>.</i></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-69326474417624357852016-12-15T02:26:00.000-08:002017-02-15T02:27:09.656-08:00What will happen to the global economy in 2017?<div style="text-align: justify;">
Lots of changes are happening in the world right now. As new leaders in many countries try to tighten their respective administrations, these adjustments have a direct effect on the world economy. This is evident especially in the case of the U.S., one of the world’s strongest nations. Here are some things that experts predict could happen to the global economy in 2017:</div>
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<b>1. Europe could face a recession.</b></div>
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The Brexit is the least of the EU’s problems. The rising anti-European sentiment is becoming quite visible in Italy. If the country eventually decides to leave the Euro Zone and the European Union, this could lead the rest of the region into a dreaded recession.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image source: <a href="https://files.graphiq.com/980/media/images/Donald_Trump_6905693.jpg">Insidegov.com</a></td></tr>
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<b>2. China’s renminbi will be more stable.</b></div>
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The devaluation of the RMB will end in 2017, but the growth of the Chinese economy will slow down. This will make way for other emerging markets like Russia and Brazil to come out of recession and start an ascent in the global field.</div>
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<b>3. Trump’s new policies are expected to boost growth.</b></div>
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Not many might see it yet, but experts predict that the fiscal policies and effects brought by the new administration will further benefit the U.S. economy. As the economy becomes more stable and as the financial markets continue to develop, the rest of the world will also be affected by these changes.</div>
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What do you think of these predictions? For me, some of these seem possible. But I’ll guess we’ll just have to see after a few months.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image source: <a href="http://www.worldatlas.com/r/w728-h425-c728x425/upload/e7/2a/b8/currencies.jpg">Worldatlas.com</a></td></tr>
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<i>Welcome to my blog. I am <a href="https://twitter.com/stevesorensenem">Steve Sorensen</a> and I’m a CPA and business writer based in Colorado. I advise businesses on issues such as avoiding employee embezzlement and developing their retirement plans. For updates, visit this <a href="https://sites.google.com/site/stevesorensenembezzlement/">page</a>.</i></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-50862846868725666562016-10-20T23:43:00.000-07:002016-11-16T23:43:41.662-08:00Three Strategies To Protect Your Portfolio In a Stock Market Crash<div style="text-align: justify;">
Investors understand that <a href="http://www.forbes.com/sites/trangho/2015/08/25/stock-market-crashes-are-inevitable-an-easy-way-to-protect-your-portfolio/#537d24f53dea">stock market crashes</a> are an inevitable part of business. Savvy businesspeople take the necessary steps to protect their portfolio. Financial analysts have listed three of the most ideal strategies.</div>
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<b>Consider peer-to-peer lending websites</b>: This is a relatively new financial concept and describes the borrowing and lending of money between two individuals for a profit. These websites keep track of the money and makes it incredibly easy to invest money. A lot of these websites also offer pretty good rates of return. However, there is always a chance that the person who borrowed the money will not pay the money back. This is a risk that lenders have to take.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image Source: <a href="http://cdn.history.com/sites/2/2014/02/wall-street-A.jpeg" target="_blank">history.com</a></td></tr>
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<b>Think diversity</b>: One of the best ways to protect one’s portfolio is to have many different assets. Economists say that it having one sole income-generating equity is not a good idea. One’s portfolio should be reflective of the individual’s own risk tolerance and proximity to retirements. Regardless, it is highly recommended to have a portfolio composed of bond funds, cash, and other assets.</div>
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<tr><td class="tr-caption" style="text-align: center;">Image Source: <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgm3WSqFVLkVb0bVUa1VoMb5AmgNOI2hS8DoXSS92XBEcin_ioYb6tVIVp0Wbn73i45__azX0DPbynfISum112if4aWRGJQ7sNPtnmSNF4iSlKrW6aMQdtvTC9jAUIs10phWda2hzlHfNGM/s1600/stock+market+crash.png" target="_blank">thinklikeagiant.com</a></td></tr>
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<b>Remember tradition</b>: There is still appeal to traditional investment strategies. Consider an insured high-yield savings account. A lot of modern adults think that this is a bad idea; saying that the return of investment is not worth the capital. Nevertheless, an old-fashioned savings account does have its uses. It still is a guaranteed revenue stream and tempers whatever damage caused by a stock market crash. A wiser investor recognizes the advantages offered of tradition.</div>
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It is important to carefully look at these strategies. Crashes usually occur during major political or global events.</div>
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<i><a href="https://twitter.com/stevesorensenem">Steve Sorensen specializes in embezzlement</a> topics, being a financial blogger. To know more about his professional background, view this <a href="https://www.linkedin.com/groups/8562701/profile">LinkedIn</a> page.</i></div>
Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-89777558063366065462016-09-21T08:01:00.000-07:002016-10-20T08:04:20.324-07:00Checks And Balances: Preventing Employee Embezzlement<div style="text-align: justify;">
A risk that comes with running a business is the chance of being a victim of employee theft or embezzlement. The risk is especially higher for small businesses as it is more common for owners to overlook, and not implement, the necessary measures to prevent such occurrences.</div>
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There are steps that can be taken to substantially diminish the likelihood of embezzlement, such as the following:</div>
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<b>Trust, but verify</b></div>
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Taking heed of Ronald Reagan’s advice to “trust, but verify,” it is important to understand that employee theft can happen to anyone. There are cases that even the seemingly most trustworthy of employees or partners are the first one to steal from the coffers of the company.</div>
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<a href="https://assets.entrepreneur.com/content/3x2/1300/20150618164206-money-10-bill-cash-lend-pocket.jpeg" target="_blank"><img alt="https://assets.entrepreneur.com/content/3x2/1300/20150618164206-money-10-bill-cash-lend-pocket.jpeg" border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjr0YMgi7zityRpfAh531ONP5qQsIQK0QrjxsDgxcQDTxmsWWQjshkM8zx-1I3eHO97jc90lwzlyiONrJgWP7qx6FLan0zLVp6BNajyn2gNBFe0cbeLUlkUR2bg95BwSuGg5qAk4iZAnA/s400/20150618164206-money-10-bill-cash-lend-pocket.jpeg" width="400" /></a></div>
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<b> Image source:</b> <a href="https://assets.entrepreneur.com/content/3x2/1300/20150618164206-money-10-bill-cash-lend-pocket.jpeg" target="_blank">entrepreneur.com</a></div>
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<b>Checks and balances</b></div>
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To make sure that employees, particularly bookkeepers, are not given an opportunity to embezzle, receipts and disbursements should be ran through a checking account. In doing so, manipulation of financial statements can be prevented and reconciliation can be conducted more regularly and punctually.
The duties of setting up a vendor, approving payments, and issuing checks, can also be assigned to separate employees to make sure that there are more than two people involved whenever money leaves the business. Division of labor can be done for other business procedures, as well.</div>
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<a href="http://neworleanscitybusiness.com/files/2013/05/Focus-May-10.jpg" target="_blank"><img alt="http://neworleanscitybusiness.com/files/2013/05/Focus-May-10.jpg" border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhSsgG2h45ul0yQG0f6Z5TIA4MrxwZbpcX6CxHo9NR2C4mCu8PRqRGlucdETMBzH9KfwjDLK6ze7yAlCdRhiK7I8Yt-Tj9C7n9mwiFZnoDHGMmTY96J-Rha5XCvWALvkMTrvlKD1E2F7Q/s400/Focus-May-10.jpg" width="400" /></a></div>
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<b> Image source: </b><a href="http://neworleanscitybusiness.com/files/2013/05/Focus-May-10.jpg" target="_blank">neworleanscitybusiness.com</a></div>
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<b>Review and audit</b></div>
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Periodic and surprise reviews of financial statements and employee records, as well as books and accounts, can help deter employee theft and embezzlement.</div>
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<i>I am <a href="http://www.slideshare.net/SteveSorensen10">Steve Sorensen</a>, a CPA and financial advisor from Colorado. With a strong background in business and finance, I have helped clients from both the public and private sectors by providing advices on various money matters, including preventing employee embezzlement, legally lowering taxes, and improving overall financial structure. Visit this <a href="http://stevesorensenem.livejournal.com/">blog</a> to learn more.</i></div>
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Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0tag:blogger.com,1999:blog-7981516231894784894.post-68856492464420743732016-08-24T03:10:00.000-07:002016-09-23T03:11:22.868-07:00A month post-Brexit: The impact on various economic sectorsAfter a month since Britain voted to leave the EU, has its economy taken a blow as experts predicted it would?<br />
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<br />
Officially a month after the U.K. referendum to leave the European Union, the Office for National Statistics is expected to release an official data chart about consumer prices, jobs, and public finances. Several economists and banks such as the Bank of England and Markit already released forecasts expressing the possibility of the U.K. falling into a recession, although investors are yet to see official reports. This is based on the declining rate of inflation in July as well as household spending weakening more rapidly.<br />
<br />
On the other side of the spectrum, the number of people claiming unemployment benefits fell by 8,600 between June and July, making the unemployment rate at a steady 4.9 percent for 11 years now. While contrasting data from economists and trade associations appear, the seemingly changing movement in the U.K. economy post-Brexit is not entirely discouraging.<br />
<br />
Interestingly, public confidence has also recovered this month, despite the fear most people had about Brexit harming job prospects and wage increase. This new level of confidence was mostly expressed by the highest earners and private sector workers while the low earners and workers at the public sector remain pessimistic about the referendum.<br />
<br />
In the U.S., economists expressed fears about the possible consequence Brexit has on the export sector. The impact of Brexit on the American economy will not be as profound in relation to the overall economic activity. However, the regression could be deepened if the consumer sentiment continues to fall and Americans spend less. This will definitely affect the performance of the US economy as a whole, as consumers fear what Brexit may bring.<br />
<i></i><br />
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<i><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiO2fH6PF_yVAXwsphFWbu5CQtygsRrzmsibgzZiC6xDYf2GCUKRbPpamvHtS03XvoT66vlFTJz4ZiiuBHaEqb8EBnW8wjGtJUEDHC9F3KmcZlqGDdeV8yCnfyQESx0uK6HgIvO52Mqw/s1600/3500.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="192" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiO2fH6PF_yVAXwsphFWbu5CQtygsRrzmsibgzZiC6xDYf2GCUKRbPpamvHtS03XvoT66vlFTJz4ZiiuBHaEqb8EBnW8wjGtJUEDHC9F3KmcZlqGDdeV8yCnfyQESx0uK6HgIvO52Mqw/s320/3500.jpg" width="320" /></a></i></div>
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<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="line number" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="page number" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="endnote reference" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="endnote text" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="table of authorities" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="macro" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="toa heading" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Bullet" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Number" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Bullet 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Bullet 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Bullet 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Bullet 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Number 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Number 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Number 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Number 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Title" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Closing" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Signature" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Default Paragraph Font" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text Indent" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Continue" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Continue 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Continue 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Continue 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="List Continue 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Message Header" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Subtitle" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Salutation" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Date" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text First Indent" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text First Indent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Note Heading" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text Indent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Body Text Indent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Block Text" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Hyperlink" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="FollowedHyperlink" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Strong" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Emphasis" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Document Map" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Plain Text" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="E-mail Signature" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Normal (Web)" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Acronym" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Address" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Cite" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Code" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Definition" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Keyboard" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Preformatted" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Sample" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Typewriter" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="HTML Variable" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Normal Table" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="annotation subject" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="No List" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Simple 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Simple 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Simple 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Classic 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Classic 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Classic 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Classic 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Colorful 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Colorful 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Colorful 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Columns 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Columns 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Columns 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Columns 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Columns 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 7" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid 8" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 7" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table List 8" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table 3D effects 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table 3D effects 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table 3D effects 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Contemporary" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Elegant" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Professional" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Subtle 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Subtle 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Web 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Web 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Web 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Balloon Text" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Grid" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Table Theme" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3 Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid Accent 1" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3 Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid Accent 2" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3 Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid Accent 3" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3 Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid Accent 4" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3 Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid Accent 5" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Shading Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light List Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Light Grid Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 1 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Shading 2 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 1 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium List 2 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 1 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 2 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Medium Grid 3 Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Dark List Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Shading Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful List Accent 6" ></w:LsdException>
<w:LsdException Locked="false" Priority="99" SemiHidden="false" Name="Colorful Grid Accent 6" ></w:LsdException>
</w:LatentStyles></xml><![endif]--><br />
<br />
<i>My name is <a href="https://sites.google.com/site/stevesorensenembezzlement/">Steve Sorensen</a>. I am a finance professional and business analyst offering financial advisory services to both the public and private sectors. I also help businesses design strategies to avoid employee embezzlement and improve retirement plans. Please follow me on <a href="https://twitter.com/stevesorensenem">Twitter</a> for similar updates.</i>Steve Sorensen Embezzlementhttp://www.blogger.com/profile/14725739450556408569noreply@blogger.com0