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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>5 Steps to Get Your 501c3</title>
		<link>http://churchcpa.com/2011/07/5-steps-to-get-your-501c3/</link>
		<comments>http://churchcpa.com/2011/07/5-steps-to-get-your-501c3/#comments</comments>
		<pubDate>Fri, 22 Jul 2011 02:51:44 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Ask Belinda]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=608</guid>
		<description><![CDATA[I&#8217;m going to give you this really simple &#8211; well kinda simple checklist to get your 501c3.  It&#8217;s not all inclusive, but its here just to give you an overview of the process assuming you&#8217;re starting from scratch. 1.  Get Incorporated &#8211; Visit the Secretary of State (SOS) website for your state to incorporate your [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>2011 Ministers and Missions Conference</title>
		<link>http://churchcpa.com/2011/03/2011-ministers-and-missions-conference/</link>
		<comments>http://churchcpa.com/2011/03/2011-ministers-and-missions-conference/#comments</comments>
		<pubDate>Sat, 26 Mar 2011 12:09:05 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Ask Belinda]]></category>
		<category><![CDATA[Budget Tips]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=564</guid>
		<description><![CDATA[Were you at the conference? I had an awesome time at the M&#38;M conference! hosted at Living Word Christian Center. On Friday, I was privileged to speak to Pastors and ministry leaders in one dynamic session.  And later to church bookkeepers and finance administrators.   Each session was packed with information. The session for Pastors was [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Compare Auto Insurance Rates</title>
		<link>http://churchcpa.com/2010/09/compare-auto-insurance-rates/</link>
		<comments>http://churchcpa.com/2010/09/compare-auto-insurance-rates/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 17:16:54 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Budget Tips]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=542</guid>
		<description><![CDATA[It&#8217;s budget season! Time to go line by line through the budget.  When it comes to renewing the ministry&#8217;s auto insurance you&#8217;ll want to take the time to shop around and compare auto insurance rates. Don&#8217;t limit yourself to the representative in your area.  You can shop for auto insurance online.  My rule of thumb [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can We Refinance Our Car Loan?</title>
		<link>http://churchcpa.com/2010/09/can-we-refinance-our-car-loan/</link>
		<comments>http://churchcpa.com/2010/09/can-we-refinance-our-car-loan/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 06:34:04 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Ask Belinda]]></category>
		<category><![CDATA[Budget Tips]]></category>
		<category><![CDATA[Credit Card Tips]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=536</guid>
		<description><![CDATA[When buying a new car, we get so excited about selecting the right car and getting a loan based on the monthly payment we can afford.  We may ponder on the how long its going to take to pay it off, glance at the interest rate and move on.  As long as the payments are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Business Credit Cards</title>
		<link>http://churchcpa.com/2010/09/business-credit-cards/</link>
		<comments>http://churchcpa.com/2010/09/business-credit-cards/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 06:00:32 +0000</pubDate>
		<dc:creator>Belinda Whitfield</dc:creator>
				<category><![CDATA[Budget Tips]]></category>
		<category><![CDATA[Credit Card Tips]]></category>

		<guid isPermaLink="false">http://churchcpa.com/?p=532</guid>
		<description><![CDATA[Does your church or ministry use a business credit card? If you&#8217;re the bookkeeper and your ministry is using a debit card or credit card, I know you have your work cut out for you.  Especially if its a MasterCard, Visa, American Express or Discover Card. This is one of the most challenging areas in [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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[Uncategorized]]></category>
		<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>
		</item>
		<item>
		<title>IRS planned to lower fees from $850 to $200</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[Uncategorized]]></category>
		<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>
		<wfw:commentRss>http://churchcpa.com/2010/06/irs-planned-to-lower-fees-from/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<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>
		</item>
		<item>
		<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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