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	<title>Whitfield &#38; Associates LLC - Your Church CPA</title>
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	<link>http://churchcpa.com</link>
	<description>Looking for An Excellent Christian Church CPA to Help Get Your 501c3? Or Get Your Finances In Order?</description>
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		<title>How much ministerial debt is too much debt?</title>
		<link>http://churchcpa.com/2010/07/how-much-ministerial-debt-is-too-much-debt/</link>
		<comments>http://churchcpa.com/2010/07/how-much-ministerial-debt-is-too-much-debt/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 12:24:22 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Ask Belinda]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=474</guid>
		<description><![CDATA[Lenders use a formula called the Debt Coverage Ratio to determine whether a ministry’s debt is reasonable or too high.  The Debt Coverage Ratio compares the borrower&#8217;s annual net income (excluding mortgage interest and depreciation) to the annual debt payments. Basically, lenders like to see the ministry’s annual net income be anywhere from 10% to [...]]]></description>
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		<title>Don&#8217;t throw away your bank and credit card statements.</title>
		<link>http://churchcpa.com/2010/07/dont-throw-away-your-bank-and/</link>
		<comments>http://churchcpa.com/2010/07/dont-throw-away-your-bank-and/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 22:36:05 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://churchcpa.com/2010/07/dont-throw-away-your-bank-and/</guid>
		<description><![CDATA[OMG! I&#8217;ve seen this one too many times.&#160; Here&#8217;s the scenario.&#160; The pastor or other board member receives all the monthly bank statements and credit card statements.&#160; They look over the statements, everything looks good, no errors, no fraudulent transactions.&#160; What next?&#160; They throw the statement away or better yet, they shred the statement.&#160; Why [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>IRS planned to lower fees from $850 to $250</title>
		<link>http://churchcpa.com/2010/06/irs-planned-to-lower-fees-from/</link>
		<comments>http://churchcpa.com/2010/06/irs-planned-to-lower-fees-from/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 22:56:04 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://churchcpa.com/2010/06/irs-planned-to-lower-fees-from/</guid>
		<description><![CDATA[IRS planned to lower fees from $850 to $200 for 501c3 application fees this year. Plans delayed till who knows when. They are not saying. Still you may be scratching your head and wondering when did the fees jump to $850?  User fees increased for all 1023 returns filed after January 4, 2010. Organizations with [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Remember to keep personal fina&#8230;</title>
		<link>http://churchcpa.com/2010/06/remember-to-keep-personal-fina/</link>
		<comments>http://churchcpa.com/2010/06/remember-to-keep-personal-fina/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 22:41:03 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://churchcpa.com/2010/06/remember-to-keep-personal-fina/</guid>
		<description><![CDATA[Remember to keep personal finances separate from the church/ministry. Otherwise it will catch up with you some day.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Website Enhancement</title>
		<link>http://churchcpa.com/2010/06/website-enhancement/</link>
		<comments>http://churchcpa.com/2010/06/website-enhancement/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 16:13:14 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=234</guid>
		<description><![CDATA[Thanks for stopping by!  If you&#8217;ve been here before you&#8217;ve notice I&#8217;ve made a major update to the website. I plan to take full advantage of the blog platform by providing my site visitors with lots of information about managing church finances, tax matters for ministers and non-profits and so much more. Be sure to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Did your church/ministry board&#8230;</title>
		<link>http://churchcpa.com/2010/06/did-your-churchministry-board/</link>
		<comments>http://churchcpa.com/2010/06/did-your-churchministry-board/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 22:40:03 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://churchcpa.com/2010/06/did-your-churchministry-board/</guid>
		<description><![CDATA[Did your church/ministry board approve your last pay raise? Or those paychecks you&#8217;ve been writing to yourself? Uh Oh!]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Did you start a 501c3 a few years ago?</title>
		<link>http://churchcpa.com/2010/05/did-you-start-a-new-501c3-a-fe/</link>
		<comments>http://churchcpa.com/2010/05/did-you-start-a-new-501c3-a-fe/#comments</comments>
		<pubDate>Thu, 06 May 2010 21:08:18 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://churchcpa.com/2010/05/did-you-start-a-new-501c3-a-fe/</guid>
		<description><![CDATA[Did you start a 501c3 a few years ago and never filed an annual report with the IRS? Don&#8217;t lose your 501c3 Status. Many small not-for-profit organizations are in jeopardy of losing their 501c3 status due to recent regulations requiring organizations to file form 990N online. In the past most organizations with annual revenues under [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Attn Outreach Ministries: Don&#8217;t Lose Your 501c3</title>
		<link>http://churchcpa.com/2010/05/attn-outreach-ministries-don/</link>
		<comments>http://churchcpa.com/2010/05/attn-outreach-ministries-don/#comments</comments>
		<pubDate>Mon, 03 May 2010 21:41:27 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Tweets]]></category>

		<guid isPermaLink="false">http://churchcpa.com/2010/05/attn-outreach-ministries-don/</guid>
		<description><![CDATA[Attn Outreach Ministries: Don&#8217;t lose your 501c3. Your 990 is due by 5/17 http://churchcpa.com/services/990_Tax_Returns.htm Published from the IRS Website: Most tax-exempt organizations, other than churches, must file a yearly return or notice with the IRS. If an organization does not file as required for three consecutive years, the law provides that it automatically loses its [...]]]></description>
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