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December 29, 2022

Businesses struggle to understand the concepts of debits and credits to manage business transactions. They are looking for professional companies to outsource their financial management services. The main reason is the lack of understanding of cash flow. It is essential for businesses to thoroughly understand the basics so they can outsource without much effort.

Let’s start this discussion


Debit and Credit

Debit is the amount of money withdrawn from an account. On the other hand, credit is defined as the amount going into an account.

When you add or subtract money to an account, you are crediting or debiting. So this is where it gets tricky! Depending on the account, the debit can lead to an increase or decrease in the amount. Similar is the credit.


How does it work?

Every time you pay a bill or make a purchase, a deduction occurs in your account. On the other hand, the purchase causes the amount to flow into a third-party account, which is referred to as a credit.

Two accounts are used simultaneously here. Therefore, it is important to understand who goes into a ledger. Therefore, debit increases the balance of assets, losses, and expenses, while credit increases the balance of income, earnings, profits, liabilities, and equity.

Suppose you buy products wholesale for a total of $100. In this case, you would debit the amount of the material purchase and credit it to the beneficiary’s account.

Still confused? Get professional bookkeeping and accounting services to meet your business’s accounting needs. One of these top-notch service providers is FAPL (Fusion Ave Private Limited). With years of expertise in all accounting services, you’ll get quality work with exceed expectations.

For a better understanding of credit and debit, look at these rules of accounting.

3 Rules of Accounting


Debit the keeper and Credit the accepter

This golden rule of accounting is related to personal accounts. A personal account is a ledger account owned by individuals or organizations. When a company or the recipient who has a personal account receives something from another company or person, the company receiving from the other one becomes the recipient and the company that exists becomes the giver.

Suppose, you have bought something for $100 from a shop. According to this rule, debit is applied to the personal account, and credit is to the business account.


Debit incoming account and credit outgoing amount

The second rule applies to real accounts. A real account is either an asset account, a liability account, or a capital account. With a real account, a person can see his/her account being rebalanced at the end of the year.

Suppose you buy a table with $200 in cash. According to this rule, when a company receives something of value in exchange for cash, it is debit. Likewise, if something of value goes out, it is represented as credit.


Debit Expenses and Losses Whereas, Credit Revenues and Gains

The third deals with smaller accounts. It is the one where people store their yearly transactions. This allows bookkeeping and accounting services like FAPL to reset the balance to zero and start over.

Because nominal accounts are related to the expenses, profits, losses, and income of a person or a company.

Suppose you bought $300 worth of goods from a company. According to this rule, if a company makes a profit or earns revenue from the purchase, it is represented as credit.

December 29, 2022

It’s not easy running a business alone! In addition to the financial health of your company, you need to keep an eye on all critical business activities. It is important to understand the resources available to keep your financial records. But accounting has been the least favorite task for most business owners. This is why most small business owners are happy to outsource their bookkeeping.


What Will a Professional Bookkeeper Do?

A professional outsourced bookkeeping service helps keep track of financial records. It allows you to efficiently and properly organize all the financial transactions of the company. Accurate and up-to-date financial information is essential for a number of reasons.

Working with a professional accounting service offers many advantages. The external accounting services are performed under the guidance of knowledgeable, experienced, and qualified auditors. You get various specialties that best fit your company’s bookkeeping and accounting needs. You can access a wider range of services when you outsource your bookkeeping to an experienced accounting firm like ours! Yes, are ever ready to deliver an outstanding bookkeeping service. Experienced bookkeeping services include:

  • Ongoing monthly bookkeeping
  • Keep your ledgers up to date, even when you’re behind schedule
  • Manage payroll
  • Prepare financial reports
  • Complete the balance sheet
  • Submit required taxes on time
  • Advice on various financial matters


Benefits You’ll Get!

Working with a professional bookkeeper has numerous benefits. It is the best option to protect your financial information and protect you from all financial risks. Some of the emerging benefits include:



Time is the most valuable asset for any business. If you outsource your bookkeeping service, you can expect to save that many hours per month. Allocate that time to marketing and product development instead!


Less Stress

Trying to do your bookkeeping without the right skills leads to anxiety. It’s not an official study, but we heard about it from our customers. For complete peace of mind, outsource bookkeeping to accounting experts and let them handle this crucial work with zero error.


Money Saving

A lack of accounting knowledge leads to many costly mistakes. The most common mistake is misclassifying expenses. Losing money in tax deductions occurs just because they didn’t know how to allocate the expense. It also carries the risk of running into liquidity problems.

Paying for a third-party professional accounting service like FAPL saves you money overall. So what are you waiting for? Save money by acquiring our experienced and skilled services.


Expert Guide

Selecting the right outsourced accounting service is one of the most important decisions you will make as a small business owner. It is wise to have a financial expert to support you on your journey as an entrepreneur or start-up. Qualified bookkeepers and accountants are trained well enough in corporate finance to deliver expert guidance on various critical situations. This guidance helps identify the factors driving business growth.


Fusion Ave Private Limited (FAPL)….  

If you are looking for an expert guide, look no further than FAPL (Fusion Ave Private Limited). Our accountants and bookkeepers can help you deal with recurring financial problems such as rising debt or poor cash flow.

December 13, 2022

As a responsible Pakistani, you have to pay taxes on time. If you won’t, then you’ll face penalties for not filing your tax return. Under the tax laws, there are penalties if an individual fails to file an income return within the due date under Section 114 of the Income Tax Regulations. If the declaration is not submitted before the expiry date, that person will have to pay fines.

Now, look at the penalties that should aware of.


What Penalties Will You Face?

According to Section 114

Late Filing Penalties

0.1% of the tax payable for the missed tax year on any day and a maximum of 50% of the tax payable provided that the above fine is less than Rs 40,000 or no tax is paid in that tax year then that person shall have a pay fine of Rs. 40,000

But, when the level of income is 75% of the level of salary income and the level of salary income is less than Rs.50 lakhs, the minimum fine, in this case, is Rs 5000.

Fail to Provide Reconciliation of Wealth Statements

If you failed to present the reconciliation of wealth statements or the statement of wealth then you must have to pay the penalty of 0.1%/week of taxable income or Rs 100,000 whichever is excessive.

Fail to Submit Foreign Assets & Income Statement in due time

If you failed to submit these assets, then you have to pay a penalty of 2% of foreign income or assets per year.

Penalty on Misleading

In this case, you have to pay Rs 25,000 or 100% of the tax amount.


According to Section 182A

As per FBR regulations, the taxpayers who do not file their returns by the due date will not appear on the list of active taxpayers for the year the returns were paid. That person will only be included on the list of active taxpayers on condition that he/she will pay the following surcharges:

  • Rs 1000 (Individual)
  • Rs 20,000 (Company)
  • Rs 10,000 (An association of persons)

Filing taxes may be a frustrating scenario for many business owners. Don’t get worried! Let us know. FAPL (Fusion Ave Private Limited) is ever-ready to deliver its clients the finest and result-oriented services, they actually need.


Other Penalties of being Non-Filer

The taxpayer’s failure to file an income or wealth declaration without an excuse within the time limit prescribed by the court is considered an offense and is punishable by law, with an individual being liable to a fine of not more than fifty thousand rupees or imprisonment for more than two years or both.


Are Paying Taxes and Filing the Same?

Often people get confused about the difference between paying taxes and filing taxes. Both are different terms with different concepts. In this respect, people escape from the responsibility of “tax returns”.

Paying taxes is like paying the government the amount of tax you owe on the categories of wages, business income, utilities, vehicles, property, and other sources. On the other hand, filing a tax return is equivalent to documenting your taxes paid in and requesting a tax refund in case of overpaid taxes.

December 6, 2022

The first tax return is a major milestone for any taxpayer, especially the young one who is filing for the first time. In the past, your parents may have done your taxes for you, but now it’s your turn to take care of your finances and file your own tax return.

To help you navigate the process, here are some quick tips on filing taxes for the first time.


How much do you earn? Keep an Eye on it!

Expecting a refund? File your tax return immediately. In January, February, and even March you can still receive important tax documents in your mailbox, by email, or online.

Documents you require include:

  • W-2
  • 1099 forms
  • Tax forms detailing other types of income
  • Tax deductions and receipts.

If you file your tax return without using one of these forms, you may need to amend your tax return later. Take a minute and think about everything you did last year that might have an impact on your taxes. This may include:

  • Job change
  • New savings account opening
  • Stocks’ selling
  • Mutual funds
  • College or University fee payment


Keep Receipts

Keep track of tax-related paperwork throughout the year to make your life easier during tax season. It is better to save receipts for things like charitable donations, working expenses, and medical payments.

Also, save student loan or investment bills and any grant. Keep them handily organized. It simplifies the process. You must retain your records even after filing the tax.


Whether your parents can claim you as a dependent or not – Decide it

Tax-related deductions and credit tax deductions can increase your refund and lower your overall tax bill. Ensure you take advantage of all the benefits you’re entitled to. Some common tax deductions and credits for first-time applicants include;

  • Education credits
  • Standard or individual deductions
  • Earned Income tax credit
  • Working from the home deduction in case of self-employed

Worried about researching the rules for claiming tax credits and deductions? Don’t worry! We are here to help. We’ll ask you simple questions to help you claim the tax credits you’re entitled to have. At FAPL, you’ll get accounting and bookkeeping help at convenient rates.

For more info, visit our site


E-submission of tax

Today you can do almost anything from paying your bills to filing taxes online. Using FAPL services, you can simplify the tax return process more conveniently by walking you through a series of questions, filling out the correct forms, and helping to ensure you’re claiming all the correct credits and deductions.

If you choose to file your tax return via email instead of printing it out and mailing it to the IRS, you don’t have to worry about correct postage or queuing at the mail.

IRS appreciates taxpayers submitting their tax returns via e-file. They often receive their refund in less time. You can often get your tax refund even faster by having your tax refund deposited directly into your checking or savings account.

December 6, 2022

The Government of Pakistan has offered more than 150 opportunities/activities to encourage and motivate every citizen of Pakistan to become a filer by filing their income tax return to the FBR. More and more instances are being created every day to offer maximum tax benefits to those with taxpayer status. Filing your income tax returns with FBR can save you a lot of money compared to non-filers.


Who is a Filer?

In Pakistan, a filer is a person who regularly declares annual income tax and sales tax. He/she is included in the list of “Active Taxpayers (ATL)” drawn up by the Federal Office of Finance (FBR). 

If you wish to become a taxpayer, file your annual tax return on the FBR’s IRIS online portal. As an applicant, your name will appear on the Active Taxpayer List (ATL) that FBR shares with the public.

Once you are listed, you will be eligible to enjoy the benefits of filing income tax returns in Pakistan.

Now, have a look at the enormous benefits for tax filers in Pakistan.


Half Withholding Tax

As a filer, you only have to pay half the withholding tax. Meanwhile, people who don’t file taxes will have to pay the full amount. 


Property Ownership

If you are a filer you can buy any property in Pakistan. But people fleeing income tax cannot buy a property worth more than 5 Million in Pakistani rupees.


Relief in Imports and Exports

If you are a filer, you only have to pay a 5.5% duty on imported raw materials. However, non-declarants have to pay 8% of the total import of the same raw material. For commercial exports, filers only have to pay a 6% duty on each transaction. On the other hand, non-filers have to pay a 9% fee for the same transaction.


Cut on Dividends and Banking Schemes

Filers benefit from a 5% cut in dividends compared to non-filers. When a company distributes dividends (profits) to employees, the filer has to pay a 15% tax. Meanwhile, the non-filer has to pay 20% tax. 

There are various schemes by banks that offer a return or savings. The filers in turn enjoy a 5% reduction in these schemes compared to non-filers Filers pay 10% tax while non-filers pay 15% tax. 

Savings on Price

When a taxpayer wins prize money through an award bond, they save 10% in taxes. You only have to pay 15% tax while the non-filer pays 25% tax on the prize money.


Reduction in Auction and Property Transfer Tax

When taxpayers transfer their property, they only have to pay a 1% tax. But non-filers have to pay a 2% tax for the same work. 

When various auctions are conducted, whether private or government, taxpayers save 5% on their taxes. As a filer, you only have to pay 10% tax, while non-filers pay 15% tax.


Want consultation or any accounting help? FAPL is ever-ready to serve!

FAPL is a team of accounting and bookkeeping professionals, ever-ready to help you with their expertise. For assistance, please visit 

November 28, 2022

Intellectual property is a valuable asset, which is essential to running your business. That’s why protecting these assets is essential. These assets like trademarks are valuable and it’s easy to inadvertently lose some or all of your company’s rights to them. A company needs to identify what IP assets it owns and how best to protect them.

Now, have a look at the benefits you will get by protecting your IP (Intellectual property).


It Increases your Business’ Market Value

IP can generate revenue for your business by licensing, selling, or marketing proprietary products or services. This in turn can improve your market share or increase your profits. In the event of a sale, merger, or acquisition, registering and protecting intellectual property can add value to your business.


You’ll get more Profit from your Ideas

Ideas alone are of little value. However, IP can help you turn ideas into commercially successful products and services. For example, licensing your patents or copyrights can generate a steady stream of royalties and additional revenue that can increase your company’s bottom line.


Protect your Business Growth

If you are a small business, it is very important to protect any unique product or service you own, as competitors can use your success to take market share from you, which can lead to slow growth or lost sales.

Building a business can be devastating and time-consuming when it comes to prosecuting the culprit without legal protection. It’s important to remember that no one

else will check whether your intellectual property has been infringed; It is your responsibility to ensure that no one else uses your assets.

You can Conveniently Market your product and services

Intellectual property is essential to create an image for your business. Think of brands, logos, or the design of your products. Intellectual property can help you differentiate your products and services in the marketplace and promote them to your customers.


Intellectual Property as a Fund-Raising Campaign

You can monetize your intellectual property by selling it, licensing it, or using it as collateral for debt financing. Additionally, you can use your intellectual property to your advantage when applying for public or government funding, such as grants, grants, or loans.


Enhance Export Opportunities

Intellectual Property can increase your competitiveness in export markets. You can use trademarks and designs to market goods and services abroad, a franchise with foreign companies, or export your patented products. While some IP rights are granted automatically, others require a formal application and registration before you claim. Learn about the different types of intellectual property and the importance of protecting it.

There present different types of intellectual property assets. Understanding them will help you protect these intangible assets of your organization. Their types include:

  • Copyright
  • Trademark
  • Patent
  • Trade Secret

If you are facing any issue in any of accounting and bookkeeping issues, we are here to help. We are a reliable and result-oriented accounting and bookkeeping firm having vast expertise in this area.

To learn more about our core competencies, visit our site;

November 15, 2022

Bookkeeping helps Amazon sellers organize their small business’s financial transactions. There are several benefits of bookkeeping that can save you and your business money and time:

  • It helps avoid taxes, potential fines, and fees.
  • It helps keep and organize records and documents.
  • Your personal and business finances become separate.
  • The occurrence of errors will be minimized.


Choose the Right Accounting Support

One of the main considerations includes accounting support when building an Amazon business. Many newcomers to Amazon choose to use accounting software to track their transactions. However, as your business develops, taxes can become more complicated.

This is where having a professional accountant on your team comes in handy. Not only does an accountant ensure you stay compliant with state and federal tax regulations, but they also help you save money by maximizing taxes deductions and credits that apply to your business.


Costs of Goods Sold is worth Tracking; Keep an Eye over it!

You need to keep an eye on COGS (Cost of Goods Sold). It helps you to find out the gross profit of your business. You can track the cost of goods sold in three ways:

Average Cost Method 

This method tracks the average cost of your product over time. This option is useful because you can track the cost regardless of the purchase date.

First In, First Out (FIFO) 

This inventory method tracks the first-to-arrive items that you want to sell first and at the lowest price.

Last In First Out (LIFO) 

This inventory method tracks the last arrived items that you want to sell first and at the highest price.


Optimizing your Amazon Accounting Automation

Amazon’s accounting software integration with Seller Central is a great way to instantly share data between the two platforms. However, using this data effectively requires significant manual hours and calculations, not to mention accounting skills, which many e-commerce sellers don’t have. The right accounting software can help you spot trends early so you can make the best business decisions.


You can use accounting software:

  • To track sales tax obligations
  • To Stay on top of your expenses
  • To forecast future expenses and sales
  • To evaluate cash flow
  • To monitor costs of goods sold


Accounting automation programs also include training videos or written instructions so you learn how to use them as you grow your e-commerce business.


Remit and Collect Sales Tax

For bookkeeping, it is important to book sales through Amazon net of sales tax. This is because sales tax is not part of the Amazon seller’s income (and is not subject to income tax).

The Amazon seller is an “agent” who collects the customer’s sales tax and remits it to the appropriate state.

Another common account for an Amazon seller is “sales tax liability” in bookkeeping.

Record the sales tax collected by the Amazon seller that is yet to be remitted to State as a liability.

Determining, calculating, collecting, and generally managing sales tax for an Amazon seller can be complicated. As a result, many Amazon sellers set up their accounts to calculate and collect sales tax automatically.


Fusion Ave Private Limited (FAPL)

FAPL is a team of professional accountants and bookkeeping experts having years of expertise in delivering the right services to a wider audience.

October 31, 2022

Auditing of financial statements ensures that a company has given a true and fair view of its financial performance and condition and that these reports have been prepared by generally accepted accounting principles (GAAP). 

Auditing helps stakeholders and regulatory authorities to determine the proper assessment of the financial statements and the accuracy of these disclosures.

It gives them reasonable assurance that the financial statements are free from misstatement in all material respects.

Have a look at its benefits.


You get a detailed Overview

When an audit completes, you have a complete picture of how your business is doing. Even if you’ve spent a lot of time making sure your company has clean records and sticks to all sorts of rules, there are likely little bugs that need fixing. 

The report also shows you where your business is most stable. A good manager needs to know where to spend his time, and what you don’t need to focus on anymore.


It Helps Improving Credit Rating

For a growing business, you may need to raise more funds for larger projects. 

Auditing financial statements ensure your records are clean as financial institutions and shareholders will be interested to know all about it. Conducting regular audits of your financial statements improves your relationships with stakeholders and financial institutions. This is not enough here! It also increases your credit ratings. This helps lenders to give you an affordable loan with lower interest rates.


Encourage Accountability in Business

An audit report promotes the responsibility of the people in your company because your employees and managers know that an auditor regularly checks everything in your financial statements. 

Your employees will also rely on reliable numbers that allow them to spot any even small mistakes.

This creates a thriving culture of accountability and helps make your business more reliable than before.


You Get an Additional Perspective

Auditing enhances accountability and promotes a culture of responsibility within the enterprise. This way, employees and managers know that everything will be monitored.

A good auditor will give you clear feedback on whether you are demonstrating full compliance and whether your system has serious deficiencies. They will also provide helpful suggestions on how to solve them. Conducting the audit early can mean the difference between a thriving or ailing business shortly.


Helps in Risk Assessment 

Accountants examine the risk of material misstatement in an organization’s financial statements. Without an internal control policy or framework, an organization could not produce reliable monetary reports for internal or external purposes. Therefore, you would have no choice in how to allocate your wealth, and you would not be able to know which of your slices or product offerings are beneficial and which are certainly not. 

In case of the absence of proper auditing, you would no longer be trusted in the market due to your inability to reliably create your products and business in a solid style. 

Likewise, an audit framework is essential to avoiding errors in an organization’s records and reports. 

Searching for the best auditing firm to audit your financial statements? Fusion Ave Private Limited is here to help. For more info, contact

October 28, 2022

Almost all telecom companies in Pakistan issue tax deduction certificates. Unfortunately, most people don’t pay attention to it. Have you heard about SIM card withholding tax deductions? Many people are familiar with the tax certificate but are unaware of how to get one.

In this article, we will guide the procedure of gaining tax certificates from various telecom companies. Keep reading to learn more!


Ufone Tax Certificate

Many people in Pakistan use this SIM for communication purposes within the country and around the world. Because of this, they were among the first to introduce the tax certificate to financially benefit their customers. There are two easy ways to get a Ufone tax certificate:

  • Website
  • App.

For Website:

  • Visit Ufone’s official website(
  • Create your online portal by confirming your email.
  • Now go to “Tax Statement” in the “Usage” drop-down menu.
  • Your certificate will start downloading.

For App:

  • Create an account in the app by verifying your phone number.
  • Click the Control Tab button.
  • Select the tenure.
  • Click OK to start downloading.


Zong Tax Certificate

Zong’s customers are growing at a fast pace. It is a Chinese-owned telecom company in Pakistan. You can get its tax certification in two ways:

  • E-care
  • App

From E-care

  • Visit the Zong website (
  • Create an account and verify it.
  • Click the Usage History tab in your online portal.
  • Your certificate will start downloading

From App:

  • Log in to your account.
  • In the Options tab, click on the tax certificate.
  • Enter the start and end date.
  • Your certificate will start downloading


Telenor Tax Certificate

You can get a Telenor tax certificate in two ways:

  • Through Email
  • Through customer support

Through Email

You have to email your request with the start and end date to Things required in this email include:

  • Image of CNIC (both front and back)
  • Your number (must be Telenor number)
  • Tenure details

Through Customer Support

For customer support, you can call on Telenor helpline or chat support.


Jazz Tax Certificate

Jazz has millions of customers in Pakistan. As the biggest telecom company in Pakistan, it provides its customers with the easiest way to get a tax certificate.

  • Through WhatsApp
  • Through App

Through WhatsApp

Just follow all the steps and you will have the tax deduction certificate on your mobile phone.

  • Send a message to 0300-3008000
  • In response, you will receive several packages
  • Select no. 6; “tax certificate”
  • Customer Service will issue you with the certificate.

Through App

The process through the app is simple also. You just have to go through these steps:

  • In the menu, go to Support
  • Here, you will see the Tax Certificate option
  • Select the year, and your download will start


Fusion Ave Private Limited (FAPL)

We provide result-oriented accounting and bookkeeping services. From company registration in the US to tax advisory, we are here to help customers with easy procedures at cost-effective charges. Our experts have years of professional expertise in accounting and bookkeeping tasks. Consult us for the best accounting and bookkeeping services.

For more info, visit

October 28, 2022

There is a group of accounting firms in Pakistan that are quite good at their level. There are accounting firms in different cities of Pakistan that pay for their duties and they are all in good condition and have qualified staff.

Finding the right match isn’t easy. For your convenience, we have listed some top audit firms in Pakistan.


Price Waterhouse Coopers (PWC)

PricewaterhouseCoopers is said to be one of the best accounting firms in Pakistan. Its offices are located in Islamabad, Lahore, and Karachi with more than sixteen hundred employees working in these offices. The staff includes competent tax and information technology professionals, MBAs or BBAs, and Chartered Accountants making it one of the top accounting firms in Pakistan. The firm has audited a wide range of public and private sector organizations, including non-governmental organizations and publicly traded organizations in Pakistan.


KPMG Taseer Hadi & Co

KPMG Taseer Hadi & Co. provides services to companies in the public and private sectors. Many firms in Pakistan rely on KPMG’s opinion, advice on business risks, and the provision of informed and valuable business recommendations.

In Pakistan, they work with reputable companies that are vital to the Pakistani economy.



Deloitte is one of the major accounting firms operating in Pakistan providing financial advisory, auditing, tax, and risk management services. It is operating in more than 100 countries around the world.


ERNST and Young

EY offers advisory, transaction, tax, and auditing services. The company strives to serve diverse stakeholders who rely on them to deliver excellence and quality in everything they do. EY wants to advance the discussion about the problems affecting the capital markets. and economics for the global audience.



BDO helps clients overcome obstacles to their business operations by using practical and flexible approaches. BDO operates in more than 165 countries on almost every continent. BDO strives to provide high-quality financial and accounting services worldwide with the utmost accuracy and timeliness.


Yousuf Adil Saleem & Co

Yousuf Adil Saleem & Co. is another accounting brand from which thousands of accounting professionals are employed to deliver audit, risk management, tax, and related services to a variety of clients.


Grant Thornton

It serves a variety of industries including tax, auditing, and professional accounting. It is known as Grant Thornton Anjum Rahman (GTAR) in Pakistan. This company provides the following services:

  • Relieving the client of bookkeeping tasks so they can focus on other business matters,
  • Tax
  • Assurance and Auditing


Crowe Horwath

It is another large accounting firm with 220 offices in more than 130 countries. They go above and beyond the normal level of service to achieve customer satisfaction. Known in Pakistan as Crowe Hussain Chaudhury and Co., it provides audit, tax, consulting, technology, risk, outsourcing, governance, and strategy services.



It has been in operation since 1977 and offers a comprehensive range of services to national and international clients. The company has grown steadily over time and is one of the leading accounting firms in Pakistan. RSM AHLN is operated by ten partners. The company has a team of three hundred workers. The law firm offers a wide range of services including business consulting, business consulting, tax advice, auditing, and accounting.

If you are facing any issue in any accounting and bookkeeping task or other accounting services, FAPL, one of the growing accounting and bookkeeping firms, is available to help. 

For more info, contact