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Network Marketing's Best Kept Secret May Be Costing You a Fortune
The words, "I quit..." have never been more costly. Network marketers hear "I quit" all too often from distributors they have sponsored. However, if those new distributors only knew the thousands of dollars they were throwing away, they would never quit. Here's Why? The moment your prospect enrolls in your program, they may be eligible for an instant $300 or more pay increase from their place of employment. And the best part is-This money can be in their hands starting with ...
Author: Jim Lynn
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Skiing Exercises for Recreational Skiers
If you exercise often, you'll begin to build your strength and enhance your endurance in the muscle groups used in downhill skiing. You'll be preparing yourself for the rigors of skiing in the expert zones where both staying power and explosive power are of the utmost importance. First, we'll get into the why and when you need to exercise, before moving onto the five essential elements of ski-specific exercising. The ultimate body for an expert skier is powerful, from strong ankles to s ...
Author: Jim Safianuk
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Knock-Knock-Knock
Knock-Knock-Knock Who's there? The IRS! The next quarterly payment of estimated income tax for the self-employed is not far off. Network marketers who receive a form 1099 at the end of the year, and/or who are expected to owe $1,000 or more in taxes, must file a form 1040-ES Payment Voucher quarterly to avoid paying a penalty. When it comes to paying income tax, I'm like Arthur Godfrey who said, "I am proud to pay my taxes. I'd be just as proud to pay half as much. ...
Author: Jim Lynn
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Microsoft Business Solutions Products Selection: ERP, CRM, Retail Management
Let's first look at your ERP system selection (without Retail Solution). Your options are: Microsoft Great Plains. If you remember successful mid-size application - Great Plains Dynamics, pioneered on Mac and Windows graphical platforms in the mid 1990th. This is now Microsoft Great Plains, Great Plains Standard and Microsoft Small Business Manager (scaled down Great Plains version, using he same technology - Great Plains Dexterity). Currently it is version 8.0, the only database platfo ...
Author: Andrew Karasev
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Home Office: Identifying Your Needs
Not many years ago, the thought of working from home was considered a fantastic vision of the distant future. However, with more and more people setting up home offices every day, it is clear that future has arrived earlier that many expected. You may be interested in a home office because you are starting your own business, telecommuting or in need of space to tend to household paperwork such as paying bills, doing taxes or keeping tabs on investments. Depending on your needs, a ...
Author: Marjan Zemljic
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But My Pet Will Never Run Away (or Why We Need Licenses)
The city I live in just increased its fees for dog and cat licenses. It's now $30 a year for unneutered/unsprayed pets and $20 a year for sprayed/neutered pets. Even though these are not major dollars, there were plenty of complaints. Some people consider the increase (we were at $5) just a way to raise more money during budget cuts. Some people who keep their pet - especially their cat - inside all the time think it is unfair to make them pay at all. Please remember that licensin ...
Author: Louise Louis
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Do You Make These 7 Deadly Cash Flow Mistakes?
Managing cash flow is every small business owner's most important function. Avoid these seven deadly mistakes to make sure you aren't creating cash flow problems in your business. 1. Using the "Fly By The Seat of Your Pants" Accounting Method. When tax time rolls around do you find yourself pawing through piles of paper on your desk looking for credit card receipts from your business trip? Or are you upside down digging under the seat of your car trying to figure out where all you ...
Author: Caroline Jordan
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What Do You Know About Belize?
Today Norm Goldman, Editor sketchandtravel.comand bookpleasures.com is pleased to have as a guest Joshua Berman,co-author of Moon Handbooks Belize. Joshua is an expert on traveling in Belize, and recently chose this tiny Central American country for his own honeymoon; he has also lived in and written extensively about Nicaragua and Honduras. Welcome to Sketchandtravel.com and Bookpleasures.com Joshua and thanks for accepting our invitation to be interviewed. NORM: Please tel ...
Author: Norm Goldman
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Starting Your Business - A Brief Guide to Some Key Issues
If you are thinking of starting a new business, or if you are just about to take the plunge, you will know that there is a lot that you have to do. Here are a few things to think about and do, before you dive straight into running your new business. Trading Entity One of the first things to consider is what type of legal entity you intend to use. Often people just start and don't consider what business structure they need until later on. If you have any doubts I recommend you talk ...
Author: Julia McDaid
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Hire People For What They Do Best
I recently flew from Seattle to Atlanta, I realized, just as we began our taxi, that it takes hundreds of support personnel to maintain a flight. I saw the woman at the check-in desk, security, pilots, luggage handlers, flight crews, air controllers, and the various staff physically on the tarmac doing whatever people do on an airport tarmac. Just as it takes hundreds of people to make a flight a reality, it takes a small army to run a business. One thing I have learned in my short-life ...
Author: S. Nestor
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Secondhand Not Second-Rate
Are you saving your hard-earned money by shopping at thrift stores? Why pay retail when you can purchase many items secondhand for the fraction of the cost? No one knows it's previously owned, unless you're like I am and many others that LOVE bragging how we got an item for a steal! It's a definite way to ease your budget and environmentally friendly too. Shopping secondhand is like a treasure hunt. It takes time to learn how to bargain shop, but you can become a money-saving thrift store sho ...
Author: Sara Noel
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Managing Your Home Based Online Business - 1
Working at home in their own business is something millions of people strive for and dream of, but most in the Western world never actually get around to doing it. For those who do achieve it, how do they adapt if they have changed, for example, from an office environment, where they were employed, had a strict routine imposed on them, and were told what to do all the time by those above them in the company? How do you manage working alone from home? Now, that is not "manage" in the "ho ...
Author: Roy Thomsitt
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Tax Reform, My Way
We need real tax reform and we need it now. Previous attempts have been made at tax reform, but they have only provided band-aid solutions that have still left us with too many quirks, complication, and read tape. There are several things Congress could do to simply the tax system and benefit the taxpayers and federal budget at the same time. First, I would institute a simple two-tiered tax on earnings and passive income (interest, dividends, capital gains, etc.) that are not in a tax-s ...
Author: Terry Mitchell
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Surprising Truths About Tax Preparers
Choosing the right tax preparer for your business is a decision best not left until April. A former tax preparer and small business mastermind offers insights into the secret world of tax preparers. 1. All tax preparers are not created equal. It stands to reason, somewhere in the country is the Worst Tax Preparer. The bad news is you may have already booked your appointment with him. Preparing taxes is a complex activity. So complex that many of us simply throw in the towel, pack ...
Author: Caroline Jordan
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Learn The 15 Debt Elimination Steps You Must Take Immediately!
What Everybody Needs To Know...Learn The Truth About Debt Elimination in 2005! Here`s how we have been taught to charge, charge, charge and promised Easy monthly payments by advertisers who seduce us into debt. So its no accident that the credit, finance and loan companies end up with most of our money, while we end up with all of the bills. Debt Elimination tips shows how Millions of Americans are living on the edge of financial disaster surviving only on the hope of next week's ...
Author: Vincent Dail
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Writing Technique: The Restaurant Syndrome
Picture this scene. Your hero is sitting in a bar. He's thinking about things... life, death, taxes, the way he's being chased by a serial killer... whatever. While he thinks, he sips his beer/Jim Beam/wine/etc. Sip. He thinks some more. Sip. He makes a casual comment to the barperson. Sip. He looks over his shoulder and sees the killer in the doorway and beats a hasty retreat to the men's. Thank goodness. Because at least this means he le ...
Author: Marg McAlister
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Debt Consolidation Solution
Debt Consolidation is a solution that solves your debts. Debt is a financial hazard. It occurs when you borrow money for some personal expenses and is unable to pay the amount back to the creditors on time. With this overpowering impact of consumer goods, individuals today are deep down in debts or prone to it. Debt has thus spread like a curse across the nation and become a threat for almost every individual. Debt problems have taken the high tide with a huge number of people struck wi ...
Author: Jonathan Pike
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Buy Area Rugs on the Web? What a Site!
After spending hundreds of dollars on your favorite Picasso print, the idea of buying it online, anticipating its delivery, tossing it on the floor and going for a stroll seems unimaginable. But there is a form of art that you can walk all over: the area rug. Sure, the comparison may seem a bit far-fetched, but area rugs are the art underfoot. Whether it's oriental or Persian, braided or contemporary, the area rug is a reflection of our style and character, much like a picture or painti ...
Author: Ron Neal
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Franchising Offers NO Guarantees --
You have to ask --- IS a FRANCHISE FOR YOU? There are NO guarantees. You invest your money and take your chances. My own experiences include franchises for personnel agencies, temporary help services, diet centers, restaurants and PC training schools. Some of these franchises proved very important in our business plan and growth into a multi-million dollar enterprise. However, there were some expensive lessons that we learned through the process. As with any business, you mu ...
Author: Don Monteith
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Book Publishing Contracts For Writers: What Should I Look Out For?
Dave, I just got a contract for a book from a publisher that I haven't worked with before. These long, tedious legal documents just befuddle me, however! Would you mind spinning through this and seeing what you think about the terms and clauses herein? Here are my thoughts on this contract. Note up front that I'm not a lawyer and haven't received any particular training in contract interpretation. I do have an MBA and have spent lots of time with lawyers r ...
Author: Dave Taylor
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Those Four Little Words, "You Need Reading Glasses"
It may not be as sure as death and taxes, but most of us aging baby boomers will be hearing those four little words, "you need reading glasses" from your eye care physician. What has happened to your perfect vision? Even if you were used to wearing glasses, it still can happen. This natural loss of vision making it difficult to read is called presbyopia. It may be time for bifocals if you already have a vision problem, but what if you have never worn glasses and all of a sudden you find yours ...
Author: Beverly Marshall
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Who's Teaching Your Child About Money?
Managing money is one of the most critical skills we must master to function effectively as adults. However, public school curricula rarely address this issue directly. Instead, teachers cover it as a side topic or as examples in math. So, just who is responsible for this critical education? WHO'S RESPONSIBLE? PARENTS can teach "money" lessons as soon as their kids can count. Otherwise, your toddler may reach his own conclusions about "where money comes from." He may decide ...
Author: Valerie Mills
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Assisting You Virtually- How Virtual Assistants are Changing The Face Of The Workplace
Virtual Assistants, or VA's are changing the way we do business. Not only is this field growing tremendously, but it's offering employers and business owners alike an attractive new alternative to hiring employees. Perhaps because this is a relatively new industry, it's hard to pin down exactly how many Virtual Assistants there are out there. Susan Valeri was a VA before she even knew she was a VA. "I started [doing this work] and then I came across the term Virtual Assistan ...
Author: Sharon Davis
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Surviving When Clients Aren't Rolling In
As the holiday season starts to settle in, the workload for many Micro-Businesses can slow down. Service-based businesses in particular consider this a slow time of the year. But, in reality, it's a great time for us to step back and reconsider the direction of our businesses. Here is our top 10 list of "to do" items to get your business ready for next year: 1. Catch up on Correspondence
Respond to or file any and all business correspondence. This includes snail mail, voi ...
Author: Brett Johnson
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Changing Your Mind Can Be a Wrestling Match
If you've been walking this earth for any length of time, it must be pretty clear by now that if you want to make changes in your life, the first thing that needs to change is YOUR MIND! But here there's a problem - maybe a lot of problems - called LIMITING BELIEFS...ideas about yourself and the world that keep you from forging through change. How often have you wrestled with some behavior or attitude that you know doesn't suit you? Why is it so hard to change it? It starts for al ...
Author: Paul McNeese
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Debt Consolidation Loan
Debt Consolidation of Different Loans Debt consolidation refers to the restructuring of a large number of unsecured debts into one low monthly payment, while eliminating interest and reducing the total amount owed to creditors. Debt consolidation has become popular with people as they cope with increasing amounts of credit card debt, home mortgage loans, car loans, and student loans, along with low credit ratings and threatening phone calls from creditors. Debt consolidation is seen as ...
Author: Jonathan Pike
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Should Your Teenage Have A Cellular Phone?
The time has come and your teenager has asked for one but you're not sure if you should supply one or not. No were not talking about a car. This is the digital age we mean the cellular phone. Perhaps no other decision has caused so much alarm and grief (aside from a credit card) then if you should give your teenage their own cellular phone. The cellular phone companies would advocate for allowing your teenage the use of a cell phone. And certainly there is merit to that suggestion. After all ...
Author: Tim Gorman
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Leaders Meet Challenge "Heads-UP" With Confidence --
Maybe "buck" is better referred to as the Boss' Challenge. Business owners are faced with making lots of decisions - some quickly made - others take more time with greater consequences. Time Vs Wages -- A few years ago (maybe 30!) a top secretarial job paid $75. a week or less. You can compare it to the $700 weekly paycheck today. Has about the same buying power. Inflation is real. Salaries increase every year mainly to stay even with inflation, sometimes with less buying power.
Author: Don Monteith
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Lesson 2 - The Commodity Of Kings!
What is "The Commodity of Kings" "Power is simply "the ability to act." Since ancient times, power has been the commodity of kings. Power originally came to those who were strongest physically. Later, it came to those who had a special heritage through royalty. More recently, it came to those who had the greatest wealth or capital. Today, those who possess specialized and valuable knowledge have the greatest capacity for power." Anthony Robbins - from his book Unlimited Power Spec ...
Author: Scott Boulch
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Reaping a Multiple Reward
For every disciplined effort, there are multiple rewards. That's one of life's great arrangements. In fact, it's an extension of the Biblical law that says that if you sow well, you will reap well. Here's a unique part of the Law of Sowing and Reaping. Not only does it suggest that we'll all reap what we've sown, it also suggests that we'll reap much more. Life is full of laws that both govern and explain behaviors, but this may well be the major law we need to understand: for every dis ...
Author: Jim Rohn
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The Major Key to Your Better Future is You
Of all the things that can have an effect on your future, I believe personal growth is the greatest. We can talk about sales growth, profit growth, asset growth, but all of this probably will not happen without personal growth. It's really the open door to it all. In fact I'd like to have you memorize a most important phrase. Here it is, "The major key to your better future is YOU." Let me repeat that. "The major key to your better future is YOU." Put that someplace you can see it every ...
Author: Jim Rohn
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Create Tax Savings And Transfer Wealth To Your Child With A Roth IRA
Parents must give serious thought to protecting their family through estate tax planning. While life insurance and trusts should be a part of every plan, Roth IRAs can be a simple tool for passing money to your child on a tax-free basis. Roth IRA First, we need a quick summary of the Roth IRA. A Roth IRA is an after-tax retirement vehicle that produces huge tax savings because all tax distributions are tax-free. That statement can a bit confusing, so lets break it down. The downsi ...
Author: Richard Chapo
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Build It And Build It Cheap!
There are several very good reasons why you should consider building your own web site versus having someone do it for you. It's more cost efficient, you can make it much larger in content, you are more involved in how you want the pages to look, and I have actually enjoyed learning the dos and don'ts of website profiling. I have run into some definite don'ts as I thrashed my way through building the few that I have needed , but I envy the professionals that get paid to make websites. Althoug ...
Author: Brian Hawkins
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Stopping Smoking? Consider Hypnosis!
Nicotine Replacement Patches? Gum? Pills? There are many stop smoking "products" on the market that you can choose. So why should you consider hypnosis? 1) Hypnosis is a "process", not a "product" Hypnosis permanently changes your attitude towards smoking. Its power comes from your desire to become a non-smoker. Hypnosis literally "switches off" any thoughts of smoking. Patches and Gum do the opposite - by using these products you are subconsciously saying "There is somethin ...
Author: Matt Godson
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Water Wisdom
That our local (Canberra, Australia) community is considering building a new dam is a sad reflection on generations of government inaction, and individual indifference. Governments have taken little action to promote water conservation, even positively discouraging citizens from installing water tanks until comparatively recently. As individuals, we've been seduced by a couple of hundred years of almost free water available at the turn of a tap. This pattern has been repeated through mu ...
Author: John Payne
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Labor That Works Miracles
(excerpted from The Challenge to Succeed series) Two thousand years ago on April 15th one of Jesus' disciples came to him and said it was time to pay taxes (that's how I know it was around April 15th), but they had no money. In response to his disciple's statement Jesus said "no problem". Now why could he say "no problem"? Well, word had it that Jesus was a miracle worker. If you hand a problem to a miracle worker what they are inclined to say is "no problem". You've got to hang out wit ...
Author: Jim Rohn
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Personal Development Legend Jim Rohn Turns 70 and Still Going Strong
Jim Rohn, noted leader and speaker in the personal development industry, recently celebrated his 70th birthday in international style - 21 birthday cakes in 15 different cities. The worldwide birthday celebration began in Mexico City, complete with 2,000 people and a mariachi band. Rohn then traveled to Guadalajara and from there to India, including stops in Banglador, Delhi and Bombay. Portland, OR was next on the tour with a seminar squeezed into the festivities. Departing the US, Roh ...
Author: Jim Rohn
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Seven Things That Make Me Angry
I watch the TV news and I get angry. I really need to quit that. It's not good for my blood pressure. However, there are certain things that always get me going no matter how hard I try to ignore them. They get me hot under the collar and I guess they always will. I feel a need to vent right now, so I'll discuss seven of them below. (Hey, that's a nice round biblical number). (1) Unrighteous indignation. What right do convicted felons serving time in prison have to punish someone else f ...
Author: Terry Mitchell
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How to Reduce the Estate Tax Using the A-B Revocable Living Trust
In a past article I relayed the plight of the widow who stated: "I didn't realize what an A-B Revocable Living Trust meant and that it had to be divided between the survivor and the deceased spouse and that I am limited as to what I can use from his share." She told me that she only learned of this after her husband passed away. This is too late for many (there is a way to collapse an A-B Revocable Living Trust, which we'll talk about in another article). First, what is an A ...
Author: Phil Craig
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What is a Foreclosure?
A foreclosure is an action taken against a property owner by seizure of his/her real property. It can be for many reasons. The main cause is delinquent payments on a mortgage. The mortgage company or second and even third mortgage holders contact the owner, then the trustee (usually an attorney) to begin the process. If it is VA guaranteed or FHA insured, many times they offer assistance or alternatives. Then the appraisal is ordered to determine fair market value. It can also be for me ...
Author: Suzie Shannon
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Trust Scams, Trust Mills, Trust Consultants. Watch Out...
What do you think about this message? "Dear Mr. Craig, I've got this phone call from a Trust Consulting Company and they've told me, if my husband or I die, the government will take up to 50% from the estate. I've never heard about Trusts or paying taxes if somebody dies. We came from oversees ten years ago and are planning to stay in this country. Is this true what the Consulting Company told me? If yes, will it apply in our case?" Wow, this is exactly the type of conduct t ...
Author: Phil Craig
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The Ultimate, "Must-Have" Home-Based Business for YOU
The Ultimate, "Must-Have" Home-Based Business for YOU a Underemployed, Unemployed, or Industrial Age Individual Allow me to educate you on the issue of job security and paint you a picture of what the aftermath can be if you remain comfortable at your regular job. Job security is an old-fashioned term that claims the longer an employee worked for a particular company, the more precious that person became. The employee was once valuable to the company because they graduated from college, ...
Author: Paul Wilson
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How to Make the Most of an At Home Money Making Business Opportunity
An at home money making business opportunity can be a great way to stay home and earn money. However, as with any opportunity, you should ask questions. First, examine the product the opportunity sells. Would most people want it? Would you want it? Your liking the product will translate to others liking it too. Second, what will the at home money making opportunity cost? Will it cost to join or market? Will you have to buy equipment? How will you be paid? How long does it take before yo ...
Author: Adrian Austin
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Keeping Your Own Money - NOT Handing It Over To The Taxman
Most people trying to make a crust online (or offline for that matter) are so focused on doing just that, they ignore taking simple steps to ensure that they hang on to just as much of it as they can. Instead, they hand over large lumps of their hard-earned money in tax, usually in one of two mistaken beliefs. Either: - It's a good thing, a sure sign of a civilised society. Or,
- If they don't, the Feds will "get them", fining them, expropriating their ass ...
Author: Leo Rogers
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Protecting the Tax Advantage of Your Deferred Compensation
The American Jobs Creation Act of 2004 imposed strict new rules on non-qualified deferred compensation plans. Beginning in 2005, deferred compensation programs that are not in compliance with the new rules may be taxed as wages, slapped with a 20% excise tax, plus charged an interest penalty. Given the potentially huge tax consequences for non-compliance with the rules, you should consult with your organization's benefit specialist and your tax professionals to figure how your compensat ...
Author: Daniel Lamaute
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Wealth Creation and Mortgage Planning - Two Great Tastes that Taste Great Together
What if I were to tell you that almost everything you have been told about what to do with your home has been absolutely wrong and that one of the worst ways to build wealth is through your home? And what if I further went on to show you that anyone who perpetuates this myth probably is not your best source for accurate financial information? Most of you right now are looking at the byline a couple of times to see if this article is REALLY being written by a mortgage person. Some of you ...
Author: Jeff Blovits
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The Seven C's: Partnership Danger Signs - The 5th C: Control Issues
A series of articles exploring the seven critical areas that can indicate a partnership is in trouble. The 5th C: Control Issues When control is in the picture it is a lose/lose proposition. First, it is an illusion that anyone can control a person or a situation. The need to control is born of fear, lack of trust and insecurity. A person who feels it is necessary to control is robbed of a sense of well being. In business, control or the attempt to control can occur in many ...
Author: Dorene Lehavi
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You Cannot FAIL At An Online Business If You Are Never Really IN Business In The First Place
Statistics used in online sales letter are often abused and misunderstood in many ways. Both from the consumers' standpoint and, either purposefully or unknowingly, by product and service providers of all types. Have you heard the oldest marketing slogan on the web? "98% of online businesses fail to see success." Since the first time I saw that figure I wondered what organization was responsible for concocting this seemingly scientific "fact." After starting several bu ...
Author: Jack Humphrey
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Motivating For Higher Performance
Employee motivation is probably the most important single manageable factor for success and profitability of all the facets of specialty store retailing. It is too vital to be handled on a hit or miss basis, depending on the whim or spirit that stirs the store owner or manager from time to time. To be effective, employee motivation must be promoted on a day-to-day, month-to-month basis. It is a function that can and will pay enormous dividends. There are almost as many effective w ...
Author: Linda Carter
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Profitability And Stock Turn Rate
The inventory of the typical store represents the largest single element of its total assets. The sale of goods from this inventory is the merchant's chief source of operating profit. Thus, the way in which this merchandise investment is put to work is of utmost importance in achieving a profitable operation. To illustrate, a retailer may carry an average retail inventory of $200,000, with sales of $400,000, resulting in a 2.0 Stock Turn Rate. If this retailer had the same $400,000 sale ...
Author: Linda Carter
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Professional Transcription and Your Business
Got stacks of audio tapes that need to be converted to a more user-friendly format? Professional transcription services may be the answer. Professional transcriptionists can take standard or micro cassette tapes and produce a typed version of the text in a format that's clear, consistent and correct. They can create transcripts of taped meetings, training sessions, seminars and conventions, as well as dictated letters, reports and manuscripts. Once the information is transcribed, you ca ...
Author: Kate Smalley
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Student Home Purchase Plan
Tuition costs are climbing, housing costs are climbing, it seems like all the costs for students are climbing these days. Students can afford cost increases less than any other demographic in Canada. Because of this, parents and students alike are looking for new ways to offset the costs of education. Student loans can be used to defer these costs to some extent, but they need to be repaid after graduation. It's difficult to climb the corporate ladder or get ahead in life when you have ...
Author: John Carle
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Reducing Debt Before It's Too Late - How to Avoid the Pitfalls of Creeping Debt
Reducing debt usually isn't a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone. Budgeting Guidelines Creditors use budgeting guidelines when reviewing and approving credit. If your debt exceeds the financial communities recommended guidelines, then you have a higher risk of credit applications being denied. Getting, ...
Author: Debs Seeber
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How Can the Average Person Build Wealth in Real Estate?
Books on real estate are a dime a dozen-and most focus on taking advantage of someone else's misfortune. They frequently describe lofty methods for buying and selling properties no ordinary citizen can be successful using. Real estate professional Dan Auito has had enough of books that waste people's time, money, and effort, and sap their will to believe in their abilities. So he has written "Magic Bullets in Real Estate: Your Guide to Understanding and Using Real Estate to Your Best Ad ...
Author: Dan Auito
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How To Turn Business Losses Into Cash Flow
When the typical new business operator starts a business, they concentrate on making the business succeed. That is necessary but not the only thing that a business operator should concentrate on. A business depends on cash flow to exist and grow, so business operators would do their business a good turn by looking at sources of cash flow provided by the Government. We are talking about the taxation authorities such as Inland Revenue Department in New Zealand (IRD), the Australian Taxati ...
Author: Chris Raynal
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Publicity: A Financial Planner's Best Marketing Friend
There's an old African proverb: "If you think you are too small to make a difference, try sleeping in a closed room with a mosquito." There's a message here for financial planners who want to get free publicity exposure, and use it as a smart marketing tool to grow their practice. Actually, two messages: --You don't need to be a big name to get big-time, business-building publicity. --Publicity is a powerful and well-suited way tool for financial planners to get their ...
Author: Ned Steele
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Success: What Are You Afraid Of?
What are your fears? Fear of failure? Fear of success? What have your fears cost you in terms of relationships, health, career, money, and lost opportunities? Have they kept you from achieving success and financial freedom? The dictionary says fear is the anticipation of danger, a belief that something negative or painful will happen as a result of some possible future action. It is nothing more than this. It is nothing less. 'Anticipation' means that the danger MAY exist in ...
Author: Paul Nadrowski
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Do You Need A Financial Planner?
No matter how much money you make, it pays to keep on top of money coming in and going out. Even if you do a good job of that, there are important times in your life when talking with a professional adviser makes sense. Almost every major life event - finding or losing a job, getting married or divorced, having a baby, buying a home -- is likely to have a major impact on your finances. A new job may mean you are making more money -- no problem there as long as you know the best way to i ...
Author: Trevor J. Wisniewski
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Student Credit Cards 101
If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on? - Because financial debt is one of the main reasons that many students end up dropping out of college.
- Because your college years can be some of your most memorable-and some of your most costly. They don't, however, have to be the beginning of an adult life strapped with debt.
- Although you m ...
Author: Rebecca Lindsey
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Email Scam Warnings
Most people online are very familiar with the Nigerian Email Letter Scams. They've victimized thousands over the years and continue to do so. I am certain you've received many in your inbox over the course of your online experience. They are easy to recognize to the experienced. But if you are new online check out the following signs. These words are usually included (IN BOLD CAPITAL LETTERS) in the subject line. DEAR SIR/MADAM
YOUR SOLICITATION
YOUR HELP IS NEEDED
Author: BB Lee
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Debt Relief with this Simple Formula
Is there a way to get out of debt without getting a second job or having to increase your income in some way? Can the average person take his or her current income and pay off his or her bills in a matter of a few years, including the car and mortgage payments? The answer is YES!!! You can do it without having to cut out all of your fun and extra-curricular activities as well. Now, you may need to cut down on going to the movies or going out to eat, but you will not have to stop altoget ...
Author: Carolyn Shipp
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Software Automation Helps Increase your Bottom Line
When you own a small business, time is money. And every time a task that should be automated is handled manually, it wastes your time and your business loses money. To make matters even worse, performing these tasks manually, in front of clients or prospects, projects the wrong image. Even though technology is readily available and even affordable, many small business owners do not take full advantage of these powerful software packages. It may be hard to believe, but only a small perce ...
Author: Cavyl Stewart
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Home Based Business Tax Deductions
Running a home based business reaps many wonderful tax deductions that other businesses some times may not claim. Unfortunately to many small business owners end up paying the government taxes every year because they are unaware or several small business deductions that are available. Most of the time any expenses that are related to your business can be added as a deduction on your taxes. If you do not pay taxes through out the year, deductions can help you from paying a large amount o ...
Author: Tara Grant
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Investing in Stocks and The Game of Monopoly
To begin, you might look at playing the stock market as though you were playing a game of Monopoly. That's right; for playing the stock market 'game' is not unlike playing a game of Monopoly. There are definite comparisons and parallels. In Monopoly there are a Boardwalk, a Marvin Gardens, Utilities, Railroads, etc. In the stock market you have the same type of properties (stocks), as in the game of Monopoly. For example, a Boardwalk may be a GE; a railroad, a CSX Corp.; Duke Energy, a ...
Author: Charles O'Melia
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Tax Trap #1 -- Waiting to Incorporate: What A Difference A Date Can Make
NOTE: This is the first in a series of 5 articles: "Small Business Tax Traps and How To Avoid Them" If you're a sole proprietor, perhaps you've considered incorporating your small business or self-employment activity. And so maybe you've been wondering, "When is the best time to incorporate?" From a legal standpoint, any time is the best time. The sooner you incorporate, the sooner you make the move from the world of unlimited liability to the world of limited liability. ...
Author: Wayne Davies
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Tax Trap #2 -- Double Taxation: Isn't Once Enough?
Have you been thinking about incorporating your small business or self-employment activity? The advantages are many! For starters, you'll be protecting yourself and your family from the possible of a business ending lawsuit. Forming a corporation is Step One on the path known as "Asset Protection" -- you are moving from the world of unlimited liability to the world of limited liability. (NOTE: For further insight into the legal advantages of incorporating, check out the article: " ...
Author: Wayne Davies
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Tax Trap #3 -- IRS Penalties, Interest and 'Love Letters'
As a small business owner or self-employed person, one of the easiest ways to keep Uncle Sam off your back and out of your life is to file your forms, payments and other paperwork on time. Over the next four months there are several key dates that you dare not forget! Here they are -- all in one place, along with links to the IRS website PDF file for that particular form, where appropriate. NOTE: This article only addresses federal tax deadlines. Be sure to contact your state's ta ...
Author: Wayne Davies
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Tax Trap #4 -- The Quagmire of Depreciation
If you are a Small Business Owner or Self-Employed Person, there's one especially lucrative tax break that not only puts money in your pocket, it also makes the filing of your business tax return much simpler. What am I talking about? It's called the Section 179 deduction, and if there's one tax break you need to understand, this is it. Here's why: The Section 179 deduction enables the Small Business Owner to "expense" (i.e. deduct in the current year) up to $102,000 of the cost o ...
Author: Wayne Davies
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Tax Trap #5 -- Ignoring The IRS (and the 5 best ways to contact them!)
We all love to criticize the IRS, don't we? And I'm just as guilty as anyone. It's easy to ridicule a huge organization of government bureaucrats who often seem to be Public Enemy #1. Our negative attitude toward the IRS can lead to a strong desire to just ignore it altogether. But self-employed people who ignore the IRS do so at their own peril. So when it comes to providing free information about taxes, let's not throw the baby out with the bath water. The IRS does provide some ...
Author: Wayne Davies
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Be Prepared With Your Home Equity Loan Checklist
A home equity loan can be an excellent way to obtain money in order to pay off high interest bills or consolidate your current debt into one monthly payment. A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumer's largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. Additional benefits include a ...
Author: Tim Gorman
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Reverse Mortgages Learn The Facts First!
Reverse Mortgages, Most Common Features: Many offer special appeal to older adults because the loan advances, which are not taxable, generally do not affect Social Security or Medicare benefits. Depending on the plan, reverse mortgages generally allow homeowners to retain title to their homes until they permanently move, sell their home, die, or reach the end of a pre-selected loan term. Generally, a move is considered permanent when the homeowner has not lived in the ...
Author: Vincent Dail
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Why People Resist Us
There's a one-word reason most ideas never see the light of day: Resistance. Resistance is often behind the glassy-eyed stares you get following a presentation, the sarcastic put-downs you have to put up with when you describe your vision for a new product or service, and other people's abrupt departure from the water cooler when you approach, enthusiastic and ready to share an idea. What people are saying to you, either directly or indirectly is, I've heard your idea and I don't get it ...
Author: Rick Maurer
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International Support - Microsoft Great Plains VAR/Partner Selection - Overview for V.P. IT
Looks like Microsoft Great Plains becomes more and more popular, partly because of Microsoft muscles behind it. It seems to be goof solution for mid-size and even large multinational corporation with Headquarters in US and branches Worldwide. You, as V.P. IT can deploy the strategy, when you host your Great Plains in headquarter and have international offices connect via remote support. Or, you can have regional offices work of their own Great Plains installations and then consolidate informa ...
Author: Andrew Karasev
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Why Small Businesses Fail (or Fail to Thrive)
Tammy, a skilled and gifted horticulturist, called me to discuss what she needed to know to start her own florist and landscaping business. She had been in the horticulture industry for 10 years and was incredibly skilled at working with flowers and plants - one of the best. She also had great design skills, as well as good customer service skills. But she had little business management experience and less self-employment experience. Discovering why small businesses fail was a smart res ...
Author: Karyn Greenstreet
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Investing in Real Estate Like a Stock
A REAL ESTATE STOCK PLAN Getting out of the bleachers and into the game! This report is going to explain or attempt to give the stock market investors a basic one-on-one interview with a real estate portfolio manager who has consistently made a profit on 100% of the investment products that were actively chosen and managed. Never a loss, always tax advantaged and sheltered. This report will not contain any high-tech, gobbly-gook, stock market charts, graphs, trends, analyst ...
Author: Dan Auito
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Top 10 Things to Consider on Home Loans
Here are our Top 10 most important things to consider when shopping for a Home Loan, Equity Line of Credit, or Refinance, courtesy of Loans-Directory.Org: - Down-Payment
- Fixed Versus Adjustable Rate
- APR
- Loan Types
- Loan Amount Qualification, Income
- Loan Amount Qualification, Expenses
- Employment and Credit History
- Points
- Sub-Prime Loans
...
Author: Tom Levine
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Long Term Energy Outook
Key Events To Watch For Iraq Oil Production stabilizing above 2 Million Barrels per day Usual suspects for Strikes Norway, Nigeria, and Venezuela Saudi Production over 10 Million Barrels per day Largest Importers to U.S. and amount weekly Russian Oil giant Yukos back taxes problem ( produces 1.72 Million barrels per day) alot of export revues for Russia too lose Key Market Fundamentals U.S. Crude Oil Inventories starting at the beginning of January 20 ...
Author: Jeremy Smith
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Getting Raw Land, Not a Raw Deal!
There is more to buying raw land than meets the eye and more than a few individuals have wished they'd had a second chance upon finding themselves duped, conned, misled, ill-advised, uninformed, oversold, undereducated and often unprepared. They realize, often too late, that a raw land purchase should be properly investigated, evaluated and negotiated using a logical and rational plan. Let me start by saying I'm not a geologist, soil analyst, surveyor, engineer or land consultant. I'm a ...
Author: Dan Auito
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Investing in Real Estate Vehicle for Wealth Building
Real estate is one of the best vehicles of building wealth. Historically real estate has outperformed other asset classes like stocks or bonds, and is reasonably predictable and less volatile. There were times when real estate went down and there were times where it went up but on an average it has given a sizeable annualized return Development report, the price of an average single-family home has gone up from $22,300 in1968 to $206,100 in 2003, an increase of 824% in a span of 25 years < ...
Author: Srini Saripalli
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Your Business: Will It Have A Happy Ending?
"Begin with the end in mind," says Stephen Covey in his book Seven Habits of Successful Living. Those who have created a successful business know it does not happen without planning, hard work, and a little luck. Yet most have no plans for leaving their business, ever. Entrepreneurs are optimists, but all of us will stop work one day. The truth is that most business relationships do not have a happy ending. The question is: Will it happen as I want or will it just happen? Research ...
Author: Brent Dees
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Taxing Your eBay Profits
As a small business person-slash-advice columnist I dread the first quarter of the new year. Not because in my mind my own business fortunes start at zero again every January or because I have already dismissed every New Year's resolution I made when the clock rang out the New Year. No, the reason I dread the first quarter of the new year is that my email box floods with questions about business taxes and the IRS, my two least favorite subjects on earth. It's not that I am opposed to pa ...
Author: Tim Knox
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Love The Thrill of Risk? Invest in an Annuity!
With the stock market in steep decline, people are looking for safe places to invest their savings. Many banks and investment companies are pushing annuities. Annuities offer a higher interest rate than CD's, but are they safe? You could view an annuity as a tax deferred CD. You don't pay taxes on the interest until you start drawing from the annuity. But there are some important differences between an annuity and a CD. An annuity is a product offered by an insurance company. With ...
Author: Stephen Bucaro
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Buying New Construction...How Do I Begin?
The prospect of shopping for a new construction residence can be quite daunting, but the rewards of owning a brand new home out-weight the disadvantages if you know the potential pitfalls. The following are important considerations: Overall Dollar Budget, Location, Cost Per Square Foot, Finishes, Upgrades, Parking and Delivery Date. Overall Dollar Budget To establish a budget for purchasing a home, you should speak with a mortgage professional prior to looking for property. In ter ...
Author: Sheldon Salnick
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The 8 Biggest Mistakes When Designing Portfolios - and How To Avoid Them
Are you as good an investor as you think? Do you consider yourself a well-informed investor able to anticipate and avoid nearly all pitfalls associated with investing? Chances are, you are making one of the common errors that could cost you hundreds or even thousands of dollars, or worse yet, your financial independence, control and security. "I see people making the same costly mistakes over and over," says Scott Frush, CERTIFIED FINANCIAL PLANNER and author of Optimal Investing: How T ...
Author: Scott Frush
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A Singles Game of Real Estate
This discussion leans toward answering questions asked most often by our youthful men and women in there early twenties. They often begin to ask themselves the question, "Should I consider buying a home, condo/town-home or some other type of real estate that I can call my own?" Due to the fact that housing has up to this point always been provided for or lived in on a rented basis we tend to find that our newest contributing members of society find themselves at a loss for the most beneficial ...
Author: Dan Auito
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How to Check the Status of Your Tax Refund Online
So, you were pleasantly surprised to learn that you are getting a refund on your taxes. Congratulations! The question for most taxpayers expecting a return is, "Where is my refund?" Check Your Refund Status Online The easiest way to check on your refund is to ask the IRS through IRS.gov. On the home page of the site, you will see a "Where's My Refund?" link. Using the service is fairly easy. You will need a copy of your tax return to provide the necessary information to get the st ...
Author: Richard Chapo
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Invisible Slavery System
Invisible puzzles are mechanisms hidden inside products and services you use, and the social/political systems you interact with. They are invisible due to the use of manufactured perception and deniability-tactics. These puzzles are designed to harness everyone's efforts to silently maintain and operate an Invisible Slavery System... What would happen to the world economy if global problems like terrorism, global warming, pollution, drugs, cancer and AIDS were suddenly solved? These pr ...
Author: Emmett Dabru
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Taxing eBay Part Deux
When my column on paying income tax on eBay profits ran it brought a wave of emails on whether you were required to report income earned from eBay sales to the IRS sparked a number of additional questions and comments from eBay sellers who were hoping that I could somehow validate that their eBay activities were mere hobbies instead of actual businesses and therefore not susceptible to IRS taxation. Several folks argued that just because their little eBay hobby generated a little cash, ...
Author: Tim Knox
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The Internet Tax Man Cometh
Q: I was contacted by the city tax collector to say that my business is scheduled to be audited to see if I owe sales tax on items purchased on the Internet. Can they really make me pay sales tax on internet purchase? I thought you could buy things online tax free? -- Charlie B. A: Sorry, but your local municipality is well within its rights to audit your business to identify items purchased online. The city can also demand payment of sales tax on those items if sales tax was not previo ...
Author: Tim Knox
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Tax Time Tune Up 2005
Excerpted from the new book, "How to Do Space Age Work with a Stone Age Brain" TM The complete article with pictures and sample Auto Log is available at www.organize.com Every year American companies lose millions of dollars in productivity to employees who end up taking their own personal time off to do their taxes. Whether you are filing by paper from just one W-2 or running multiple enterprises, streamlining now will pay off this year and in future. Applying these proven ...
Author: Eve Abbott
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7 Tips For Defusing Holiday Stress
KNOW THYSELF The first key to creating a peaceful holiday season is identifying those holiday traditions that you ENJOY and those that you don't. When you spend your precious time and energy on activities that you don't find rewarding, you are destined to become FRUSTRATED and cranky. So go ahead and be honest with yourself before the season even starts. Make a list of every possible holiday "obligation" that you can think of. Your list might contain (but not be limited to) the followin ...
Author: Ramona Creel
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Unravelling The Real Estate Buying Process in Canada
If you're a foreign national thinking about investing in the real estate market in Canada here's a run down of the typical buying process you should expect to encounter together with a general explanation of mortgages available to assist with the purchase. First things first though, you have to find your ideal property of course! But let's assume you've done that with the help of a good estate agent and you're ready to move forward with an offer. It's important to know that ...
Author: Rhiannon Williamson
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How To Find Your Dream Home In Belize
Shopping for property in Belize is not as simple an undertaking as you might initially expect! Firstly, estate agents as we know them are non existent! Real estate brokers that do exist are likely to be unlicensed, unregulated and certainly not trained or insured. Secondly, the majority (and I mean the majority) of property for sale is not advertised! But with property prices remaining affordable, the quality of property available attractive, the climate beautiful, the peopl ...
Author: Rhiannon Williamson
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Mortgage-Refinance Loan Measurment 101 -- Evaluate Your Own Ability to Pay
We live in a society where people are losing their homes at an alarmingly high rate. There are several reasons for this, but one could certainly be avoided -- buying a house that creates a loan that is too large for you to handle. This article will examine how to decide your loan size -- whether you are purchasing or refinancing. We'll look at this issue from the point of view of lenders and from the standpoint of what is actually best for you. In a conventional, conforming loan -- one ...
Author: Mark Barnes
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Mortgage-Refinance Treachery: Avoid Mortgage Bankers and Brokers Biggest Trick -- The Sales Pitch
What the average homeowner or home buyer fails to realize is that bankers, loan officers, mortgage brokers, or whatever your lenders call themselves, are salesmen. Certainly, if you purchased your home from a realtor and used her lender, you most likely got a feeling of trust in that person, because the realtor referred him. Beware of this potentially dangerous water. "This guy will help you complete your loan," the realtor will tell a prospective buyer. "He'll help us close quickly, and you' ...
Author: Mark Barnes
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Creating A Realistic Budget
Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow. SET YOUR FINANCIAL GOALS As with any other area of your life, it's pointless to start do ...
Author: Ramona Creel
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Creating A Realistic Business Budget
Budgeting -- ooh, what a scary word! If you want to frighten someone whose business finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow. SET YOUR FINANCIAL GOALS As with any other area of your life, it's pointless to ...
Author: Ramona Creel
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Lightening The Load
When I tell people what a FREEING experience moving is, they usually look at me like I'm crazy. "What do you mean freeing? It's the most stressful thing I've ever been through!" While there are stresses associated with relocating, each move offers you the opportunity to lighten the load. When I was in college, I moved at least once a year, and sometimes once a semester. You had better believe that I only took the bare essentials with me - because I didn't want to spend all of my time packing ...
Author: Ramona Creel
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Discover 7 Proven Shopping Cart Enhancements to Increase Your Sales
For online businesses with their main goal of selling products, shopping cart abandonment can mean the difference between profitability and loss. But since recent surveys suggest that less than 50% of retailers know their shopping cart abandonment rate, let's review what it is and why it is important to know. What is "shopping cart abandonment"? Basically, shopping cart abandonment is when a visitor initiates your checkout process but leaves before completing their purchase.
Author: Kevin Gold
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How To Make Good Use of Spreadsheets
Most computer users use spreadsheets software such as Microsoft Excel in their daily home and office. However very few are aware of the potential of spreadsheets in helping them in financial accounting and statistical analysis. There are many uses of spreadsheets beyond the simple arithmetical and data analysis we are used to. Spreadsheets can assist us in many tasks with accuracy and speed. Before we look at some of the uses we can put Spreadsheet software to let's look at a few ...
Author: Abdallah Khamis Abdallah
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