becharo flodge

We insure your life. Because you never know.

A Wide Range Of

Accounting Services

Accounting is not just about debit and credit, there is much more to it. Look at the services below and you will figure out for yourslef.

Tax Management Services

Tax is one of the biggest statutory responsibilities that you will hold as a business person and it is important that you maange it properly.

IRS Representation

We also help you handle your IRS represantation without a bit of trouble in it. 


This is the starting point of accountancy and we are here to do it right from the scratch.

Estate Planning

Do not let things take the wrong way after your demise. Our estate planning sector will help you plan the life of your loved ones after your demise the right way.

Retirement Planning

With our experts to support you, plan your retirement and lead a happy and healthy retired life.

Payroll Services

So, this one is additional. WE also take care of payroll services and that now looks like a bonus for business people.

Local Business


We provide a large range of financial services. Regardless of whether you are an individual or firm, we are here to manage your accounting and other financial services and we realise the fact that you are badly in need of them. Scroll down to know more. 

Planning Is Security


Failing to plan is planning to fail. This is an age-old saying that talks about the importance of planning. Now that you know it, let us see how we can help you on planning. 

Estate Planning

A lot of things can change after the death of the person. However you can gain control over it if you can have a will written before your death. Plan it well and that is what you call estate planning.

Retirement Planning

Life after retirement can be a little difficult, but not if you plan it right. We are here to help you out in planning a great retirement life and you are simply going to love it.

Financial Planning

Plan your finances the best possible way. If your finances are not planned properly then that can lead to a lot of chaos. 

Debt & Finance Advising

Debt management is quite a tough task, especially when you run a business. Get our help and ideally manage your receivables and payables. 

Becharoflodge takes sustainability seriously.


Irrespective of whether you are an individual or a firm, filing accounts and tax sheets are always difficult. You always need another person to do that for you. But how sure are you that this person is doing it perfectly? That is where we come. Out professionals go close to perfection and that is why we are the best option when it comes to outsourcing for accounting. 


What People Are Saying

Jeff Smith

Best place to get all your accounts cleared and taxes paid. 

Sherry Bright

With changing rules and regulation, you always need an updated platfrom to work with and Becharo Flodge is one such platform.

Brad Haines

Tax payments are always a pain and with this platform, they have become a cake walk. 


The Most Common Types of Mortgages

The Most Common Types of Mortgages

If you think about finding the right mortgage, chances are your stress levels tend to rise fast. Apart from finding the right mortgage rate, you also must consider the type you choose. Many people tend to think that there’s only one type and that it’s a simple process to choose one but there are in fact several.

Choosing a mortgage

Paying a fixed amount of 20% as a down payment on your mortgage is one of the most common things people tend to do when they don’t know their options, or just how they can benefit from each one. The most common mortgage includes the following.


Fixed-rate mortgage

Also known as FRM, this type of mortgage is the most common type when applying for a home loan. Its top benefits include the fact that you’ll always pay the same amount of interest monthly, even if the proportion principal versus the interest on your monthly bill changes. The amount of interest you pay will thus be locked in as soon as you close on the relevant loan. This is an incredible benefit as many fear sudden increases when it comes to interest rates as they usually can’t afford a constant increase. If rates are declined, however, you will have to pay higher interest rates.

When compared to other types of mortgage, it is much more difficult to qualify for a fixed-rate mortgage than others. Down payments on this type are usually much higher as lenders require 20% of the fixed loan to avoid any insurance charges. These are usually offered at a 10-15 and even up to 30-year term plan.

Adjustable-rate mortgage

Adjustable-rate mortgage offers the opportunity for a lower down payment and makes buying a house more accessible than other agreements. Interest rates tend to stay constant for a given period. The shorter, the better, so choose wisely. As with anything, there is a downside which includes your interest rates. As soon as it gets adjusted, whether it be higher or lower, it could potentially have a major effect on the initial amount you paid starting out. This will also make it difficult to stick to your annual budget if you do plan one that is. With an adjustable-rate mortgage, you accept a risk that your lender could possibly absorb with a fixed-rate loan.

FHA Loans

Federal Housing Administration loans are also referred to as government-backed mortgages, which name speaks for itself. These tend to require a lot smaller down payment option than others. You could qualify for this type of loan with a down payment of as little as 3.5%. You might also have to pay a partial mortgage insurance to help your lender out. This type of loan is ideal for people who cannot afford an excessive down payment yet still have a good set income.

The necessity to manage finance

The necessity to manage finance

Everyone keeps talking about managing finances, but most of us don’t understand the need to maintain our finances. We earn money, and we spend it on the things we need and like. But sometimes, we get stuck in a position where we have no idea where we spend our money and where all our money has disappeared. We live in a consumerist society, and the way we handle our money plays a crucial role in it.

The following are some of the reason why you manage your finances:

Managing your finances will help you to make smart decisions:

When you are managing your finances, you will be in a position where you will have to make many choices. Depending on the decision you make you will get the outcome. As you become familiar with the process and understand your budgets, you will learn how to make proper decisions.  Once you start making smart choices with managing the monthly expenses, you will slowly get a better understanding of how to save for your retirement and other things.


Reduces your financial stress:

People stress a lot over money as we use it to buy everything we want and need. People often find themselves in a position where they do not have money because they do not exercise control over their money. When you have a full grip over your money, you will estimate what your expenses are and set aside money for that particular expense. Managing your finances will decide uncertainty, and thus you will not stress about where your money will come from.

You don’t have to live from paycheck to paycheck:

Living life from one paycheck to the other paycheck can be stressful and exhausting. But when you start to save your money, you will always have some spare cash left which you can use in case of an emergency and not wait for your next paycheck. When you budget your money and plan your expenses accordingly, you will not have to worry about your financial crises.

Avoids you from borrowing money:

Many people think that borrowing money is the best solution to meet their emergency needs, but it is a pit hole from which you can never come out if you do not repay the money back in time. We often spend more money paying interests and sometimes it is even more than the money we would have borrowed. When you have proper management of your finance, you can avoid placing yourself in such a situation.

Allows you to invest your money:

Once you are finally stabilised, you tend to start to save some money. As you learn and understand the process, you will start to invest your money to make more profit. When you are stable with your finances, you will feel confident and afford to take risks in investments which will bring you higher gains.

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