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Day: July 8, 2018

Family Discount Cruises, Fact or Fiction?

Many people believe Family Discount Cruises are nothing more than a myth. This group tends to be more likely the inexperienced, infrequent traveler. If you are interested in booking a family vacation cruise you should disregard this popular myth. Believing that family discount cruises do not exist could cost you a lot of money.

Dismiss the myth. Family Discount Cruises do indeed exist and are saving families thousands of dollars while enjoying fantastic, fun filled vacations aboard some amazing luxurious cruise ships.

No matter the economy, people look for discounts, deals and other ways to lower the cost of their vacation. Today, wise shoppers use coupons and other special offers to save money on goods and services. These same shoppers seeking to save money on groceries and other retail goods can save a good deal of money when booking a cruise vacation.

When booking a family discount cruise, there are a number of different options. Before deciding on your next cruise you should investigate every one of them. You’ll be surprised at how many cruise ship discounts are out there.

The most popular and easiest way to find discounts on a wide range of family cruises and vacations is only one click of the mouse.

Simply do a Google search for “Family Discount Cruises” or “Discounted Cruises” and you will find many resources.

Caveat Emptor!

Don’t make a hasty decision. Delay any bookings until you exhausted all options available. There are different resources at your disposal and you should take your time to investigate all of them.

Discount travel websites are popular for finding discounts on cruise and other vacations. Some well known travel sites are Expedia, Travelocity and Orbitz to name a few. With regard to travel websites, you are encouraged to exhaust your search completely before providing them with your personal information.

Some people feel comfortable contacting the cruise line directly, particularly if they are looking to take a last minute cruise. One word of caution here. Be aware that the cruise line will not book your cruise. They will always refer you to contact a professional travel agent..

If you belong to a membership club, you should investigate any deals they may be offering. In addition to roadside vehicle assistance, auto clubs provide special deals on a wide range of vacation travel. Another well respected membership club regularly offer great deals to senior citizens.

One alternative to researching Family Discount Cruises is to work with a professional travel agent. Travelers that work with professional agents do so for the personal attention and service not available with travel websites and membership clubs. These professional travel agents operate locally and online.

Another travel myth is that travel agents rates are higher than their online competitors. This is not true.

That myth is totally unfounded by experience. The professional travel agent industry control a large block of travelers and because of their tremendous buying power they do indeed get preferential treatment from every travel vendor.

Cruise lines rely on the …

Creating Wealth With A Small Or Home-Based Business

Millions of Americans are discovering how to attain wealth with a small business. Many individuals are being outsourced due to companies downsizing. This trend is expected to continue due to increasing foreign competition and factors in the US economy. A small business is defined as a business with 10 employees or less. A home-based business falls under the category of a small business for our discussion there before we are also speaking of home-based businesses. A small business is one of the last significant tax Shelters other than a home for middle-income Americans. Individuals can receive generous tax incentives with a small business along with income-generating opportunities. Items such as training, books, business meals, entertainment, business travel, payment to family members for employment services, auto maintenance, utilities, a percentage of the mortgage or rent, and others. Tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations, visit http://realsolutions.50megs.com/financialfreedom.html

The small business should be started with every attempt to make a profit. The IRS allows the business owner time to generate a profit. Most business owners will incur a loss for at least the first year of operation. Some incur a loss the second year as well. If the business does not show a profit by the third year, it is in risk of being labeled a hobby by the IRS. Hobbies are not given the same tax consideration as small businesses therefore the discounts would not apply.

A business owner can employ several strategies to generate wealth. Using the tax charges allowed by the IRS, a business owner may elect to pay his or her children to help out with the business. The children could put all or a portion of their wages into a tax-deferred college savings fund. The wages would be a tax deduction for the parent and dependent on the children's tax bracket, the wages could be tax exempt income for them as well.

Take, for example Bob, who is an employee of a company. Bob receives $ 40,000 a year from his employer in wages. Now let's say that Bob decides to start a small business. The first year, his business has $ 12,000 in revenue. The expenses were $ 15,000 for the first year which included business meals, business travel, educational training (books, seminars, etc), wages to family members, advertising, office expenses (printer, computer, paper, etc), utilities for his office, mileage for his auto for business travel, costs related to manufacturing the product or providing the service, a percentage of his rent or mortgage if his business met the IRS criteria of a home-based business, and other business expenses.

Because Bob's business had a net loss of $ 3,000 ($ 12,000- $ 15,000), he could report a lower taxable income to the IRS. In other words, he would report his taxable income to be $ 37,000 to the IRS rather …