THE YEAR IN REVIEW.The Value of Your AICPA AICPA See American Institute of Certified Public Accountants (AICPA). Membership Welcome to The CPA (Computer Press Association, Landing, NJ) An earlier membership organization founded in 1983 that promoted excellence in computer journalism. Its annual awards honored outstanding examples in print, broadcast and electronic media. The CPA disbanded in 2000. Letter's annual "Year in Review." This special supplement describes how the AICPA has worked to enhance the profession and improve members' professional opportunities. In the following sections we will describe some of the more significant developments that took place during the past year. We will also highlight some of the many benefits, discounts and other savings available to members. A Year of Challenges and Opportunities The AICPA has been working all year on initiatives to benefit members and enhance their professional opportunities. For example, were you aware that: * The AICPA Council has just approved funding for a major five-year, $25 million student recruitment effort aimed at promoting CPA careers to young people aged 16 to 22. This new effort is in addition to existing programs under way to attract new entrants to the accounting profession, using two innovative recruitment products: 360 Degrees of Possibilities Curriculum and Activity Kit and CPA Information Package (a CPA iPACK). * In a significant development for the profession, CPA2Biz--the profession's Web-based portal--will be launched this month. (See the article "CPA2Biz Launches This Month in Partnership with State Societies".) * The Institute has led the efforts in organizing a committee of over 85 member organizations to develop and launch eXtensible Business Reporting Language--XBRL--which supplies an XML-based framework that will revolutionize the way businesses create, exchange and analyze financial reporting information. XBRL (EXtensible Business Reporting Language) A specification for publishing financial information in the XML format. It is designed to provide a standard set of XML tags for exchanging accounting information and financial statements between companies and analysts. and the committee's efforts have received substantial media coverage. * In an important success for the WebTrust program, Microsoft Corporation (company) Microsoft Corporation - The biggest supplier of operating systems and other software for IBM PC compatibles. Software products include MS-DOS, Microsoft Windows, Windows NT, Microsoft Access, LAN Manager, MS Client, SQL Server, Open Data Base Connectivity (ODBC), MS Mail, chose WebTrust for Certification Authorities See CA. or its equivalent to be used in assessing whether to accept Certification Authorities (CAs) into its programs. CAs allow the hundreds of millions of Microsoft customers to easily shop securely on the Internet, as well as to send or receive secure e-mail or share encrypted files. * The Institute has put in place process and staffing structures that will facilitate the development and deployment of valuable and timely new service opportunities for members. The new AICPA Member Innovation Team will eliminate duplication of efforts, streamline processes and create a single research and development pipeline. An Innovation Advisory Panel--made up of volunteer members who are the chairs of committees under the Member Innovation Team--will identify new opportunities and establish priorities for all projects. * The Institute is continuing development of the proposed new global professional credential ("XYZ XYZ interj. Informal Used to indicate to someone that the zipper of his or her pants is open. [ex(amine) y(our) z(ipper).] ") as part of a larger effort to make the CPA Vision a reality. The AICPA, along with state CPA societies, is carrying out a member education and response campaign to create a consistently informed membership so CPAs can understand the issues when and if the credential is brought for a membership ballot. On behalf of the international consortium of accounting organizations working on the credential, an independent, world-renowned research and marketing communications Marketing communications (or marcom) are messages and related media used to communicate with a market. Those who practice advertising, branding, direct marketing, graphic design, marketing, packaging, promotion, publicity, sponsorship, public relations, sales, sales firm conducted definitive research that indicates that market demand for such a global credential is strong among those who hire professional services (job) professional services - A department of a supplier providing consultancy and programming manpower for the supplier's products. firms and employers of business professionals. Additional research showed XYZ has great appeal among potential credential holders and found that, among college students, when XYZ is introduced as an addition to the Vision-aligned CPA, there is a tremendous jump in interest in both credentials. * The efforts of the Institute and its members contributed to a set of final Securities and Exchange Commission rules Securities and Exchange Commission Rules Rules enacted by the SEC to assist in the regulation of US financial markets. on auditor independence that are more meaningful than previous rules and more moderate than initial proposals. The original proposed rules could have had a damaging effect on many practitioners, particularly those in smaller firms. * The Auditing Standards Board In the United States, the Auditing Standards Board (ASB) is the senior technical committee designated by the American Institute of Certified Public Accountants (AICPA) to issue auditing, attestation, and quality control statements, standards and guidance to certified public and the SEC Practice Section are working to implement a number of excellent recommendations of the Public Oversight Board's Panel on Audit Effectiveness. Among these efforts is the development of a new risk-based audit model and a streamlined disciplinary process. The Institute was very pleased that, overall, the panel found the audit process to be very sound. * The profession's ethics rules are being modernized. An Independence Standards Board proposal, ED 00-2, Proposed Statement of Independence Concepts: A Conceptual Framework For the concept in aesthetics and art criticism, see . A conceptual framework is used in research to outline possible courses of action or to present a preferred approach to a system analysis project. for Auditor Independence, would guide the ISB in setting sound and consistent standards for auditors of public companies, and assist other independence decision makers in resolving independence questions. Additionally, the Professional Ethics professional ethics, n the rules governing the conduct, transactions, and relationships within a profession and among its publics. professional ethics liability, n 1. Division issued an ED that embraces an engagement-team focused approach to independence and created a video available online to facilitate understanding of related issues. * The AICPA Board of Examiners and the joint AICPA/NASBA Computerization com·put·er·ize tr.v. com·put·er·ized, com·put·er·iz·ing, com·put·er·iz·es 1. To furnish with a computer or computer system. 2. To enter, process, or store (information) in a computer or system of computers. Implementation Committee (CIC CIC circulating immune complexes. CIC Circulating immune complexes. See Immune complexes. ) are working to revise the Uniform CPA Examination and computerize com·put·er·ize tr.v. com·put·er·ized, com·put·er·iz·ing, com·put·er·iz·es 1. To furnish with a computer or computer system. 2. To enter, process, or store (information) in a computer or system of computers. its delivery by Nov. 2003. Among other changes, the new sections of the CPA examination will test important skills that are not readily measured in paper-based exams, such as using research tools. The Board of Examiners issued an exposure draft, Proposed Structure and Content Specifications for the Uniform CPA Examination; the CIC Briefing Paper #2, Computerizing the Uniform CPA Examination--Issues, Strategies, and Policies: An Update, outlined the process and status of the transition to a computer-based test. * The Institute continues to inform the public on issues such as tax simplification, Social Security and estate tax reform. In one area that has become a hot topic, the AICPA Tax Division report, Study on Reform of the Estate and Gift Tax System, which confirmed that significant timely reform is called for, was sent in March to members of Congress and officials at the U.S. Department of Treasury and the Internal Revenue Service. * Peer review requirements have been updated. In a development that should be particularly beneficial to small firms, the revisions included a new tier of peer review called a "report review" that is available to firms that only perform compilations that omit substantially all disclosures. * Practitioners can now enjoy greater flexibility under Statement on Standards for Accounting and Review Services No. 8, Amendment to Statement on Standards for Accounting and Review Services No. 1, Compilation and Review of Financial Statements, which created new options for compilation engagements in which the financial statements are not expected to be used by a third party. * The Tax Executive Committee adopted the Statements on Standards for Tax Services (SSTSs) and Interpretation 1-1 as enforceable standards under the AICPA's Code of Professional Conduct. The SSTSs supersede To obliterate, replace, make void, or useless. Supersede means to take the place of, as by reason of superior worth or right. A recently enacted statute that repeals an older law is said to supersede the prior legislation. the Statements on Responsibilities in Tax Practice and their Interpretation 1-1. * Revised guidelines for earning the AICPA's Personal Financial Specialist credential focus on a new "point system" that encompasses a broad definition of business experience, lifelong learning Lifelong learning is the concept that "It's never too soon or too late for learning", a philosophy that has taken root in a whole host of different organisations. Lifelong learning is attitudinal; that one can and should be open to new ideas, decisions, skills or behaviors. and other qualifying exams, as opposed to previous eligibility requirements, which centered on passage of the AICPA's PFS PFS, n post facilitation stretch; therapeutic approach utilized during proprioceptive neuromuscular facilitation in which the patient begins the stretch midway between the fully relaxed and fully stretched position and uses maximum level of effort to exam and specified hours of experience in PFP PFP - Plastic Flat Package activities. * The Auditing Standards Board issued Statement on Auditing Standards (SAS (1) (SAS Institute Inc., Cary, NC, www.sas.com) A software company that specializes in data warehousing and decision support software based on the SAS System. Founded in 1976, SAS is one of the world's largest privately held software companies. See SAS System. ) No. 92, Auditing Derivative Instruments Derivative instruments Contracts such as options and futures whose price is derived from the price of an underlying financial asset. , Hedging Activities, and Investments in Securities, to help auditors plan and perform auditing procedures for financial statement assertions about derivative instruments, hedging activities and investments in securities. The new standard supersedes SAS No. 81, Auditing Investments. * An AICPA/Canadian Institute of Chartered Accountants char·tered accountant n. Chiefly British Abbr. CA A member of one of the institutes of accountants granted a royal charter. Web cast focusing on e-privacy and e-security attracted more than 400 registrants, who learned how practitioners have developed e-business practices and also discovered a variety of e-business marketing strategies they can use with their clients or employers. The industry-leading Web cast provider--Activate--thought so highly of the presentation that they named it "Web cast of the Week." * As part of its continuing efforts to keep members abreast of key technology developments, the Institute once again reported the year's top technologies and applications, tech issues and emerging technologies. The annual lists help members identify opportunities to enhance their practices or companies and expand service to clients or employers. * The recently published "white paper" Managing Risk in the New Economy is meant to enhance CPAs' role as trusted business advisers who assist business managers in maximizing their potential for success. * The profession's image was strengthened by an ongoing advertising campaign, which focused for the first time on using national network radio. It also included a cooperative program The Cooperative Program is a unified funds collection program of the Southern Baptist Convention (SBC) designed to support SBC seminaries, mission agencies and denominational ministries. with the state CPA societies that resulted in greater state participation in the initiative. The 36 states that joined the effort are enthusiastic about continuing the program. Member Benefits That Should Not Be Missed AICPA member services help CPAs succeed and expand their professional horizons. Here are some of the services the Institute has to offer (others have been mentioned in the preceding section). Information Needs * The AICPA Library maintains a comprehensive collection related to all aspects of the CPA profession. The library provides reference and research assistance for members and staff. To contact the library call 888/777-7077 or e-mail library@aicpa.org. * The Center for Investment Advisory Services advisory services advisory services provided to the public, in their capacity as owners and managers of animals, are an important part of veterinary science. They may be provided by government bureaux, by commercial companies who deal in pharmaceuticals or animals or animal provides the tools, training, resources and relationships you need to develop or expand your investment advisory practice. Whether you are a seasoned Registered Investment Adviser or are just getting started, the center is your online resource to success. The center takes CPAs step by step through the process of getting licensed, getting started and maintaining profitability. The AICPA has combined its vast internal resources with outside products and services from top-quality vendors and organizations to develop the Center for Investment Advisory Services. The cornerstone of the center is its relationship with Fidelity Investments Fidelity Investments is a group of privately held companies in the financial services industry. It is made up by two independent but closely cooperating companies, Fidelity Management and Research Corporation (FMR Co. Institutional Brokerage Group (FIIBG). Also take advantage of special AICPA member savings on investment planning products and services from these leading companies: Securities Training Corporation, National Regulatory Services, Morningstar Inc., Ibbotson Associates and Investment Management Consultants Association. For more information about the center, visit http://investmentadvisory.aicpa.org. * The Technical Information Hotline offers non-authoritative answers to member queries about accounting, financial reporting, auditing, attestation The act of attending the execution of a document and bearing witness to its authenticity, by signing one's name to it to affirm that it is genuine. The certification by a custodian of records that a copy of an original document is a true copy that is demonstrated by his or her and accounting and review services. The hotline encourages members to submit questions in writing electronically rather than by calling the toll-free number. After a hotline manager has researched the question, he or she will contact the member (usually by phone) either the same day or within 24 hours, in most cases. Questions may be sent to the hotline's special e-mail address See Internet address. e-mail address - electronic mail address at aahotline@aicpa.org. Members may still access this free service by calling 888/777-7077 or faxing 212/596-6233. * The Professional Ethics Division's Ethics Hotline offers valuable information and can act as an ethics sounding board to members who face ethics issues in their practices and to members who are not in public practice. The hotline's e-mail address is ethics@aicpa.org and its toll-free number is 888/777-7077 prompt 2, followed by prompt 3. * The AICPA Fax Hotline gives members 24-hour, seven-day-a-week access to pertinent professional information via a fax machine. A list of currently available items can be accessed by dialing 201/938-3787 on a fax machine, following the voice cues and then keying in the appropriate document number(s). * AICPA Online (www.aicpa.org) offers members immediate access to news about the latest developments affecting the profession, as well as a convenient way to join the Institute or learn about products and services. It provides tax insights and valuable information on standards and other technical matters, as well as news about conferences and state developments and a storehouse of recent publications. Members should also visit www.CPA2Biz.com, the profession's business services portal that will launch in June. Marketing Tools Along with staying informed of professional and technical developments, members also want to keep clients up-to-date on important business news and expand their firms' marketing opportunities. The AICPA offers several newsletters that serve as client service publications: the monthly CPA Client Bulletin contains articles on tax and financial planning Financial planning Evaluating the investing and financing options available to a firm. Planning includes attempting to make optimal decisions, projecting the consequences of these decisions for the firm in the form of a financial plan, and then comparing future performance against ideas for individuals and businesses, as well as stories on general business issues, while the quarterly CPA Client Tax Letter focuses solely on tax issues for individuals and businesses, including articles on general tax planning Tax planning Devising strategies throughout the year in order to minimize tax liability, for example, by choosing a tax filing status that is most beneficial to the taxpayer. , legislation and cases and regulations. Your name/firm's logo can be imprinted on all copies. Available through the AICPA Member Satisfaction Center at 888/777-7077. In addition, the ElderCare eld·er·care n. Social and medical programs and facilities intended for the care and maintenance of the aged. Services Newsletter is published quarterly, and the WebTrust Letter, which provides electronic commerce news and information about WebTrust, is provided regularly to WebTrust licensees. To learn more about ElderCare Services, contact Ann Sammon at asammon@aicpa.org; for more on WebTrust, contact Imma Roger at iroger@aicpa.org. Special Assistance The AICPA Benevolent Fund helps members and their families when they face financial difficulty caused by serious illness, accident, death or other major misfortunes. Contact Elizabeth Cich at 201/938-3490. Significant Savings for Members Only As a benefit of membership, the AICPA has negotiated special pricing from leading providers of professional, personal and property insurance, as well as products and services for the office and home. These programs offer discounts that would otherwise be unavailable to individual members. Some offerings extend the benefit to members' spouses and families. Insurance/Retirement Programs Term-Life Insurance -- up to $2 million in coverage if a member of both AICPA and a state CPA society (up to $1.5 million if a member of the AICPA only). Includes a cash accumulation fund which can be used to purchase paid-up life insurance and for savings purposes. Group Variable Universal Life Insurance The examples and perspective in this article or section may not represent a worldwide view of the subject. Please [ improve this article] or discuss the issue on the talk page. -- up to $2 million in term life insurance if a member of both the AICPA and a state CPA society (up to $1.5 million if a member of the AICPA only). Investments in equity, bond or fixed-rate funds available with tax-deferred earnings. Long-Term Disability Income Plan -- provides monthly payments of $1,000 to $10,000, depending on earnings and other coverage. Group Insurance Plan -- up to $500,000 in term-life insurance plus accidental death and dismemberment dismemberment /dis·mem·ber·ment/ (dis-mem´ber-ment) amputation of a limb or a portion of it. dismemberment amputation of a limb or a portion of it. benefits for CPA firms-and any business that is at least 50%-owned by an AICPA member--and their employees. Long-Term Care long-term care (LTC), n the provision of medical, social, and personal care services on a recurring or continuing basis to persons with chronic physical or mental disorders. Insurance Program -- available for eligible members and their spouses, parents and parents-in-law. Nursing home and home care benefits of up to $250 per day are available. For all of the above choices, call 800/223-7473. Professional Liability Insurance Plan -- protection of $100,000 to $20 million for members in public practice for claims related to professional services. Limits to $100 million and beyond also available. Call 800/221-3023. CPA EmployerGard -- provides comprehensive protection against employment-related claims, such as wrongful termination wrongful termination n. a right of an employee to sue his/her employer for damages (loss of wage and "fringe" benefits, and, if against "public policy," for punitive damages). , age, race or gender discrimination and other workplace-related lawsuits. Call 800/221-3023. Medicare Supplement Plan -- fills the gaps in Medicare coverage for hospital and medical expenses for members and spouses ages 65+. Call 800/749-6983. Vehicle Insurance Plan -- preferred rates for members and families. Call 800/847-2886. Home Insurance Plan -- full replacement cost coverage and comprehensive personal liability protection. Call 800/847-7233. Personal Liability Umbrella Security (PLUS) -- provides CPAs with up to $5 million in coverage for liability injury and property damage claims that exceed primary automobile, homeowners or renters coverage. Call 800/223-7473. Retirement Programs -- defined contribution plans Defined contribution plan A pension plan whose sponsor is responsible only for making specified contributions into the plan on behalf of qualifying participants. Related: Defined benefit plan from T. Rowe Price T. Rowe Price (NASDAQ: TROW) is an independent global investment management firm and mutual fund manager based in Baltimore, Maryland. It was founded in 1937 by Thomas Rowe Price, Jr.. T. , including money purchase, pension, profit sharing profit sharing, arrangement by which employees receive, in addition to their wages, a share of the net profits of a business. The purpose is to give them an incentive to increase their output through enhanced morale, less wasteful use of materials, better care of , 401 (k) and SEP 1. SEP - Someone Else's Problem. 2. (tool) SEP - A SASD tool from IDE. IRAs for proprietors, partners, professional corporations, and employees. Call 800/382-4272. AICPA Affinity Programs AirborneExpress saves members up to 30% off the competition's published rates. Choose from next morning, next afternoon, second day and international express services. There are no minimum numbers of shipments, no commitments and no contracts necessary to participate. Call 800/636-2377, identify yourself as an AICPA member and receive your Free Airborne Express Airborne Express (IATA: n/a, ICAO: ABX, and Callsign: Abex) was an express delivery company and cargo airline. Headquartered in Seattle, Washington, its hub was at Wilmington, Ohio. Starter Kit, or go to www.membersales.com/AICPA and enroll. Dell Computer Corporation (company) Dell Computer Corporation - One of the biggest US manufacturers of IBM PC compatibles. "From notebooks to networks", their slogan says. http://us.dell.com. provides discounts of 6% on Dell's PowerEdge file servers, OptiPlex desktops and Latitude CP laptops. Members receive a 3% discount on Dell Dimension Dell Dimension is a line of home desktop computers manufactured by Dell, Inc. As of June 2007, Dell no longer makes the Dimension line other than for business and in non American markets. The high-end Dimension 9200 (XPS 410 in the Amercian market) is still manufactured. desktops and Inspiron Notebooks and save on DellWare software, accessories, service and peripherals. Call the dedicated Dell Association Sales Associate at 800/759-3585 or access the AICPA Premier Page at http://premier.dell.com. Enter your account code "AICPA" and access key "CPADELL99". Then custom configure your system and place your order. Your discount will be applied automatically. ERI's Assessor Series saves CPAs time and money by providing compensation and benefits information for 4,000 job titles in 5,000 U.S., 800 Canadian and 1,400 international locations. AICPA discounts are available for ERI's Executive Compensation, Salary, Benefit, Relocation and Geographic Assessors, as well as for the Geographic Reference and International Reference Reports. Save at least 10% on all ERI Eri (ē`rī), in the Bible, son of Gad. PC software research when you subscribe online using Reports. Save at least 10% on all ERI PC software research when you subscribe online using AICPA's Affinity Program (15% for all ABV's). Save over 70% on ERI's Executive Compensation Assessor, which analyzes and provides over 10,000 proxies and 10-Ks. Call 800/627-3697 or go to www.erieri.com/aicpapage.cfm. Refer to key code 5245 and your PIN#AIC AIC Association des Infermières Canadiennes. 98. The AICPA/First USA Card offers a Visa Gold or Platinum Card with a low five-billing-period introductory rate, followed by a low annual fixed rate. In addition, the AICPA/First USA Card offers "ValueMiles," a free airline travel program. Call First USA directly at 800/254-0910. Hertz Car Rental gives members a 20% discount off daily member benefit rates, plus a 5% to 15% discount on weekend, weekly and monthly car rental rates. AICPA members also qualify for free annual membership in the Hertz #1 Gold Club (a $50 value). Special coupons and upgrades are available, too. For reservations, call 800/654-2200 and refer to CDP CDP (cytidine diphosphate): see cytosine. (1) (Certificate in Data Processing) An earlier award for the successful completion of an examination in hardware, software, systems analysis, programming, management and accounting, #12353. For your free Hertz #1 Gold Club Membership, call 800/862-4272. IBM (International Business Machines Corporation, Armonk, NY, www.ibm.com) The world's largest computer company. IBM's product lines include the S/390 mainframes (zSeries), AS/400 midrange business systems (iSeries), RS/6000 workstations and servers (pSeries), Intel-based servers (xSeries) saves members up to 10% on over 250 premium quality IBM products The following is a list of products from the International Business Machines (IBM) Corporation and its predecessor corporations, beginning in the 1890s, and spanning punched card machinery, time clocks, and typewriters, via mainframe computers and minicomputers, to microprocessors, PCs, through the AICPA MembersPlus program, including ThinkPads, Netfinity Servers, Desktop PCs, ViaVoice, and products for the home office and family. All products available through this program are covered by a 30-day, money-back guarantee. To take advantage of these special prices, shop online at www.ibm.com/smallbusiness/aicpa, or call 888/426-5800 and reference priority code 6B8XB033, value code CAP to speak with a skilled representative. Members save nearly 50% off KnowledgeSpacer Internal Audit and Risk Management Community. Arthur Andersen's KnowledgeSpace's one-stop, Web-based knowledge service is just $500 a year for AICPA members ($995 a year for non-members). KnowledgeSpace is an online knowledge resource for internal auditors Internal auditor An employee of a company who analyzes the company's accounting records to that the company is following and complying with all regulations. , finance professionals and risk managers. It provides a library of tools, methodologies, news and best practices and integrates them with resources from one of the world's most trusted business advisers. To sign up for a 30-day free trial membership, call 888/577-8778 or log onto www.knowledgespace.com/riskmanagement. Paymentech allows members to accept credit card payments at discounted processing rates with its comprehensive credit card processing program. With qualified swipe rates as low as 1.8%, members can offer clients and customers expanded payment options and receive significant savings. Plus, AICPA members pay no application or conversion fees and receive all merchant supplies absolutely free. Contact Paymentech's ProActive Sales Group at 888/213-8445 or fax an existing merchant processing statement to ProActive Sales at 214/849-3645. Research Institute of America (RIA (Rich Internet Application) A Web-based application that approaches the speed and elegance of a local application. An RIA may refer to a browser-based application that uses AJAX or another enhanced coding technique. Group) saves members 10% on new purchases and 5% on renewal purchases of tax information products from the leading authority on tax research. Your AICPA membership entitles you to discounts on RIA electronic and print services including RIA's highly acclaimed Internet-based tax research system, CHECKPOINT. Call 800/431-9025, extension 3. Be sure to provide your AICPA membership number when ordering. ResumeMatch, the online resume referral and job posting service, allows AICPA member job seekers job seeker also job·seek·er n. One who seeks employment. to post their resumes and search available jobs free when they register via the Web at www.aicpa.org. AICPA member employers can post an available job or conduct searches of available candidates at special "member only discounts" by calling 800/837-1804 directly. Robert Half International Robert Half International is a staffing firm, and a member of the S&P 500. External links
RHI Range Height Indicator RHI Roller Hockey International RHI Relativistic Heavy Ion RHI Rigid Hull Inflatable Boat RHI Rhinelander, WI, USA - Rhinelander Oneida County Airport (Airport Code) Management Resources. AICPA members will save 10% off permanent placement fees for Robert Half; $25 off each 40-hour Accountemps temporary assignment (up to a maximum of $100 for 160 hours or more) and $50 off each 40-hour RHI Management Resources contract assignment (up to a maximum of $200 for 160 hours or more). Call 888/744-4089. Sprint cuts members long-distance phone bills by 5%. AICPA members can also take advantage of Sprint BusinessFlex[SM], the communications plan you build your way including low, flat in-state, state-to-state and international rates. It's possible to change your plan as your business needs change with no term plans or commitments. Call 800/953-4214. Standard & Poor's offers AICPA members 20% off on S&P Advantage, Advisor Insight and Planner Insight. Standard & Poor's provides one-stop-shopping for all of the tools and information AICPA members need to manage their clients' and business' needs. Whether you are an adviser, planner, tax professional, business owner or manager, this S&P program provides the most comprehensive suite of products and services at special AICPA member savings. Call 800/221-5277. To receive your special AICPA 20% discount, be sure to mention your AICPA membership number when ordering. Wells Fargo Wells Fargo armored carriers of bullion. [Am. Hist.: Brewer Dictionary, 1147] See : Protectiveness Wells Fargo company that handled express service to western states; often robbed. [Am. Hist. Home Mortgage provides AICPA members with many cost-saving features, including competitive rates, a zero-point option and a no-cost 60-day rate lock option. All of these features come with the convenience of completing the entire application by phone, with a loan decision in as little as 24 hours. In many cases, closings can occur in as few as 15 business days from approval. Receive a complimentary 4-day "Getaway" after closing on a home purchase or refinance Refinance 1. When a business or person revises their payment schedule for repaying debt. 2. Replacing an older loan with a new loan offering better terms. Notes: When a business refinances they typically extend the maturity date. through this program. Call 800/CPA[272]-1210, ext. 823 or log onto www.wellsfargo.com/mortgage/. (The "Getaway" offer is not available on home equity loans or lines of credit. The offer is valid on loan applications made on or after Oct. 1, 2000, and closed on or prior to Oct. 1, 2001.) Xerox provides discounts of up to 20% on products (excluding service contracts, supplies and personal line copiers). Call 800/ASK-XEROX ext. CPA (800/275-9376, ext. 272) and mention AICPA contract #0706109. |
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