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Tag: Business

Tax Law Changes for 2014

Just like another year has come and gone, there is a handful of tax laws that will come and go starting on January 1, 2014. Some of the changes are due to expiration laws that were enacted in an attempt to spur economic growth during the most Recent recession – others were caused by new legislation, rarely the Affordable Care Act, or otherwise known as Obama Care.

The first and by far the most widely discussed tax law change is related to the new health care law. The main component of the law that will effect taxpayers is the individual mandate requiring individuals to purchase health insurance or receive a penalty. First and foremost, you will not be penalized for not carrying insurance until you file your 2014 tax return in early 2015, this goes for all laws that take effect starting in 2014.

But if you do not carrying qualified minimum coverage by March 31, 2014 you will start to incur a penalty that can amount to either $ 95 dollars per adult + 47.50 per dependent in your household, or 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of total household income, whichever is greater. The cap of the penalty is annual cost of a bronze rated insurance plan for you or your family. As mentioned earlier, this penalty would have been collected when you file your 2014 return in early 2015 – via a refund reduction or an adjusted balance increase if no refund was due.

One common tax deduction that is going away will have an adverse affect on some teachers, this will cause a taxually increase during 2014 because Congress is not extending the tax deduction that allowed teachers to write off up to $ 250 dollars of their classroom expenses. Up until now, this deduction was considered above the line, or taking a deduction without itemizing. Since nearly 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of taxpayers do not have enough deductions to itemize – this could have an impact on a number of teachers nationwide.

Another deduction that is going away is the PMI deduction. Since 2010, homeowners who pay mortgage insurance premiums have been able to deduct them together with the interest they pay on their home loans. This will be no more starting January 1. Homeowners who put down less than 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} during the home purchase process were required to carry this type of mortgage insurance. That being said, mortgage interest and real estate taxes are still deductible in 2014 as an itemized deduction – resulting in homeowners being able to deduct much more than if they rented their home or apartment.

One exemption that is going away but is not getting much attention right now is the primary residence cancellation of debt exclusion. Homeowner's in recent years, who had mortgage debt forgiven by a lender via short sale have been exempted from paying tax on the forgiven debt. This provision was passed to improve liquidity and stabilization in the housing market a few years back, but was not extended through to 2014. Going …

Top Cookbook – Recipes From My Personal Cookbook

I think we all have a cookbook that we consider a "Top Cookbook." To be honest I think it all depends on what you enjoy and what you want to cook. There is, for instance, no doubt that America's Most Wanted Recipes is a top cookbook, if you enjoy restaurant style food. I definitely do and that is why I love it.

On the other hand you get cookbooks, like my personal one, that have simpler recipes, suitable for those times when you simply want to get something on the table fast, but still tasty.

I think potatoes are very underestimated as most people only consider them a stage. What many people do not realize is how healthy potatoes are. So, I thought I will give you a few recipes that will really come in very handy.

The three potato recipes I have for you fall into that category. They are quick and easy to serve with any meat or other vegetarian main course dish. The first one can be served on it's own as the main course with a salad.

Tasty Fried Potatoes


  • 6 Bacon slices diced
  • C Cup chopped onion
  • 3 Cups pared and sliced ​​potatoes
  • Seasoning of your choice


  1. Cook bacon in heavy skillet.
  2. Add onion.
  3. Continue cooking until bacon is crisp and onion soft but not browned.
  4. Add uncooked potatoes.
  5. Season to taste.
  6. Cover and cook for about 15 minutes until almost tender.
  7. Uncover and brown both sides.

To make an omelet, you will need 6 beaten eggs. (Maybe an easier variation on the traditional frittata)

  1. Simply add about 1/3 of the beaten egg to the soft potato mixture.
  2. Continue cooking over low heat without stirring until the eggs are firm.
  3. Turn over whole with a wide spatula.
  4. Add another 1/3 of the eggs; Repeat process.
  5. When the last third has cooked through, the omelet is ready to serve.

Potato O'Brien


  • 3 Tbsp fat
  • C Cup chopped onion
  • 2 Tbsp chopped green pepper
  • 2 Tbsp chopped pimento
  • 3 Cup cooked dried potatoes
  • Seasoning


  1. Heat the fat.
  2. Add the onion and green pepper and cook for 5 minutes.
  3. Add the potatoes and pimento.
  4. Cook until browned, stirring occasionally.
  5. Season to taste.

Mashed Potatoes Au Gratin


  • 3-4 cup hot mashed potatoes
  • C cup buttered bread crumbs
  • C cup grated cheese
  • Paprika
  • ?

Spoon the mashed potatoes in a shallow baking dish, sprinkle the buttered bread crumbs over, then the grated cheese and lastly a dash of paprika.

Bake at 375 ° F for about 20 minutes until lightly browned.

Enjoy these recipes and look out for more to come. …

Popular Business Card Types

A business card is an integrated part of any marketing campaign. It's a tool for marketing executives, as well as it acts as a means of creating your organizations Corporate Identity. It also acts as the sole contact link for your prospective customers who you contacted in past with your business proposals or your product specifications.

Your business card makes the first impression of your company in front of recipient, so it needs proper emphasis and design concepts. You need to incorporate your creativity and innovation in your small business card, so that your future clients, customers, or business contacts can get some idea about your commitment for perfection. Remember that your business card is not less important than the suit you are wearing or the laptops, and gadgets you are carrying along with you. That means only style and way of presence is not important, the thing which matters is your ability to put your customer orientation and commitment into your business cards.

Business cards are of different types, each type of cards may not be suitable for you; choose a card type which represents your business, industry, services, and personal styles appropriately. When choosing a business card design, opt for a style that best supports the business and brand image you wish to illustrate to your card recipients. Popular Card types in use these days are as follows:

Basic Cards – The cards with only two color combination, one foreground and one background are known as basic cards. Usually these cards have light colored background with dark colored text, generally Black and White. This type of card design is favors among people who focus on only essential needs.

Picture Cards – The Picture cards generally have pictures of the person carrying the card of the products being targeted in marketing. If your picture is there, it helps people identify you in second meeting, and if your product picture is there, then it helps Ur customers in having an overview of product.

Multipurpose Cards – A multiple purpose card serves dual proposition, one like a business card and another with some other facility like a cozy coupan or with a map on backside can guide more or more information about your company or organization .

Choose your cards from above types carefully after judging your requirements. Putting a Logo of organization is mandatory in most of the cases. Make it simple and elegant. It should portray your and your company and brand image perfectly. …

Car Insurance – Lowest – 5 Ways to Save Money on Auto Insurance

So – you want to save on car insurance and wonder what the lowest prices around are? Check out the money saving tips below before signing on that dotted line.

Car Insurance Lowest: Shop Online

Selling insurance online provides savings that are passed on to customers by way of lower premiums. If you are comfortable with doing business online, this may be the way to go for you.

You should, at least, start your insurance shopping process on the internet. Use a website like Quote Wizard or 2Insure4Less to obtain aful of quotations from different companies. Now you have a basis for comparing coverage and prices.

Car Insurance Lowest: Find an Insurance Company that Caters to your Driving Record

To a great extent, auto insurance rates are set based on your driving record. So, you need to find an insurer that offers a good deal for your type of driving record. This is where comparison shopping comes in. Use one of the websites mentioned above. You'll need to complete an online form with info about you, your vehicle, you driving record, etc. You do that one time and 3-4 quotes will be emailed to you. You'll be surprised at how much prices will vary among companies. Those companies that are not particularly keen to insure drivers with your type of driving record will stick out like a sore thumb … their quotes will be higher.

Regardless if you're guilty of running a few red lights, or pressing too hard on that pedal or are even a "model" driver – the search should be on! Comparison shopping is the # 1 way to save money on your car insurance.

Car Insurance Lowest: Got a "Rough" Driving Record?

Check out companies specializing in high-risk insurance policies.

How do you find them? As mentioned above, use Quote Wizard. They will direct the appropriate insurance companies to you.

Car Insurance Lowest: Review your policy

I strongly encourage you to check rates by shopping around at least once a year to be sure your car insurance company is keeping up with market rates. You do not want to be the guy who stayed with one carrier for 15 years only to learn one day you have been paying twice what the market is charging.

Car Insurance Lowest: Have a Look at Your Deductible

The price difference between a policy with a tiny $ 100 deductible and a mega $ 2,000 will affect insurance premiums by as much as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. These are outside amounts-the most deductible is around $ 500.

Keep in mind that your deductible does not apply to liability cover. Meaning that if you are at fault in an accident and have adequate coverage, your policy will cover any damage you caused to other parties and their property. Your deductible is applicable only to repairs and replacement cost for your vehicle.

How much are you willing to pay out of your pocket for damages to or loss of your car? Set your deductible at …

This Time It's Personal – The Benefits of a Personal Trainer

Most gyms these days offer personal training as part of their portfolio and probably promote it with all the zeal of timeshare salespeople.

At some point you will consider it, if not now, then later when you hit a motivation or performance plateau that you do not know how to get over. So what will you get for your money? And how can you decide if a personal trainer is for you?

Let's be clear about what a personal trainer means. We're not talking about having someone knock up a trained training routine for you when you first start – all gyms should do that as a matter of course. Personal trainers will dedicate themselves to you and you alone for each hour that you book. They should assess your fitness level, set up a program complete with goals and waypoints, and provide the motivation to achieve them.

If you're thinking of opting for personal training, ensure that the trainer:

– Has a recognized personal trainer qualification.
– Is a member of the Fitness Australia. (Or the country that you're in, in case it's not Australia)
– Has a valid CPR (cardio-pulmonary resuscitation) certificate.

Recognized qualifications (as defined by Fitness Australia) include:
– Certificate III Fitness Instructor
– Certificate IV Fitness Trainer
– Diploma of Fitness
– Or a BA-level degree in sports and fitness

Why would you pay the extra?
Given what you're already expecting out for the gym, why would you pay extra for a personal trainer? If you have a clear idea of ​​your fitness goals, the knowledge of how to hit them and a high level of self-motivation, then the honest answer if that you do not need a trainer. If, however, you find that motivation is a big problem, or you have an unusual target (say new sport), or you're going now and do not know what to try, then a personal trainer could be exactly what the doctor ordered.

What can I expect?
Depends entirely on what your agreed goals are. If your aim is to lose weight and tone up, then you can expect to start off with a cardio warm up before going onto weights and moves that you would not normally do. In the process you will learn a lot about form, posture, technique and the use of different pieces of equipment. It also makes the gym session an appointment, a commitment that you can not back out of, and introduces the trainer as a kind of external conscience nagging you if you let things slip. Sort of.

Your aim is to lose weight and tone up. …

Understanding the Advantages and Disadvantages of Sale and Leaseback

Sale and lease back options are increasing in popularity as companies throughout the USA are looking for ways to give their company a cash boost. Many companies are newly purchased as operating concerns with property attached; ridding yourself of the property can give you the necessary cash needed to expand.

At the same time as with any agreement, there are advantages and disadvantages to take into consideration and you need to decide if the advantages outweigh the disadvantages before signing on the dotted line.

Start by looking at the advantages of sale and lease back opportunities and how it can help your business moving forward.

Of course the main advantage to this option is that you sell your building and receive the cash, which you can use how and when you wish, whether it’s to invest in other buildings, expand your business or pay off your debts.

Another advantage is that you rent the property back from the new owner. This has the added advantage of a set rental amount which agreed upon for a set several years, which is normally fifteen years or more.

In addition to this, it means you don’t have to move properties, confusing your customers and saving you money on marketing your new information, such as address and telephone number.

Then there is the advantage that if you choose a sale and lease back option, you get to pay off your mortgage, which is always a winning opportunity. Without mortgage repayments you can take pleasure in the fact that you have a set rental amount which you can offset against your tax return.

This is why many companies choose the sale and lease back options is that they can take advantage of the tax savings they get when renting.

Rental payments are tax-free, which adds cash to your bank balance, increasing the amount of cash you have in your pocket to help your business grow to the next level.

When you give up your ownership rights to the property, you also decrease your maintenance costs, depending on the type of sale and lease back agreement you choose.

There are a number of options, triple net leases are generally a cheaper rental amount, but you stay responsible for all maintenance or you can choose a slightly higher rental amount, handing over the maintenance responsibilities to the new landlord.

The last advantage you will want to take into consideration is whether the agreement you sign gives you the ability to buy back the property after the agreed rental period. This is something you must take into consideration and a huge benefit when the lease comes to an end.

Then there are the disadvantages. While there aren’t many, you need to weigh them up against the sale and lease back advantages to decide if it is the right choice for you before going ahead.

One of the disadvantages you may want to consider is that you lose certain rights to the property when you become a tenant, this …

Making Money Easy – Do These Things and Start Making Money Fast

Making money easy used to be something most people could dream about. This has all changed since the internet came along. Making quick and easy cash is now entirely achievable for any one who wants it. Continue reading this to find out what it takes and what you should know before starting.

Take your mind away from anything illegal. You can make all the legal cash you need as fast as you want. It all depends on how much work and dedication you want to put into it. My online money making career began with my need for some really quick money.

I had the bills pilling up and lots of financial commitments to fulfill. I really had to gain access to some quick finds. That's when I thought of the different legal options of achieving the financial freedom I need. Out of the various options I could read about, the online option was the most flexible.

What I loved about it was the fact that I could make money from home. This is truly the best way to go about making money easy. Different ways of profiting from the internet market are available. Do not get scared by computer terminologies. You do not need a lot of computer knowledge to make money from the available methods.

You can focus on one method initially. So do not get distracted, and then later add more methods to your stream of income. I previously do everything for blogging, affiliate marketing's, online surveys, eBay marketing to information product creation.

Some of this information requires few weeks to get rolling, but some of them are really very fast. I still use those methods when I need some extra, quick boost of cash. But you need to get going on time and avoid that terrible spirit of procrastination. This will keep you from doing anything. That is the only way to defeat the spirit of doubt.

Making money easy can be achieved when you really do something on time and learn about the many money making methods available to you. …

Fundamental Lessons Necessary for Making Money Online

There are many people searching the internet for that one program that will enable them to make money online. Many have lost their money in worthless scams, many have lost their money in programs which jargon was too difficult to understand. People need to be able to recognize a program worthy of their time and money.

What's important is the fact that you need basic fundamentals to become successful at making money online. Most online training courses are not complete or their language is not for the layperson. Computer jargon can be difficult to master. Once you figure out what they're trying to say, then you have to piece it all together to start making money online.

The majority of the people searching for ways to make money online fall in the newbie category. Online training courses should step up and effectively describe the fundamentals in extreme detail. Hands on projects should be included to teach the different strategies, such as exploring for niche products or how to generate a keyword list. Reading about it is one thing, but actually doing it and understanding what you just did is another. The course should also be affordable so more people can partake in a training that could one day give them the lifestyle they have always dreamed of.

The fundamentals you need to learn include finding top niche products, how to generate traffic, affiliate marketing, creating your own website, types of hosting, blogging, importance of keywords, creating your own product, content, search engines, PPC advertising, article writing . There is a ton of information out there that can be overwhelming and cause people to be confused and not know where to start. The key to remember is to start out slow. Start by using free methods until you start generating a profit. Once you start seeing some income, re-invest those profits into your business and then you can make it grow a little easier and faster. You will have to put in some work, but it will be well worth it in the end an you will be making money online.

Do not pick a program that only offers one aspect of internet marketing. Be patient and allow yourself some time to learn and understand the secrets to make money online. Do yourself a favor and invest in a complete online training course that will teach you the fundamentals you need from the beginning and to the end. Make sure the program also offers technical support at all times. Work smart and play hard. …

Insurance Jargon Explained and Decoded

Accidents happen. It is just a fact of life. Safety is the best prevention, but sometimes the inevitable cannot be avoided. Having insurance is a worthwhile investment for protecting you and your loved ones. However, getting insurance of any kind can involve a lot of jargon that is not always easy to grasp. Before taking the leap into monthly payments, educate yourself so that you get a plan that works best for you. An insurance agent can help fill in the gaps, but below is a group of terms to become familiar with. Even if you already have a plan, this guide can help you better understand the terminology.

General Terms

A premium is the amount of money that must be paid to the insurer who provides coverage. This fee is usually due on a monthly basis. To achieve a lower premium, shop around for the best possible quote and try to maintain a good credit record. The deductible is the portion of money that you, the policyholder, must pay in the case of an accident. The insurer is then responsible for covering the remainder of costs. Generally, higher deductibles result in lower premiums. If you decide to go this route, make sure that you have enough money set aside to cover your higher deductible. A claim is a request made by the policyholder if an accident occurs. This request is for costs to be covered by the insurer. The adjuster is the person who analyzes a claim and provides recommendations for a settlement based on the damage and policy. Preferred Risk is the term for when an applicant shows lower risk for accident or injury than the average person. These applicants tend to be eligible for rate discounts.


Accident forgiveness is an option provided by some companies to protect drivers. This option prevents the driver’s premium from increasing after their first at-fault accident. It is especially helpful when the company extends this forgiveness to others on the policy, such as teen drivers. Other potential discounts to look into include low annual mileage on your vehicle, having no accidents in three years, and having multiple cars on the same plan.


There are several different ways of getting health coverage. Group Health is when an employer provides health insurance plan options for its employees and their dependents. The policies are normally at a reasonable or discounted rate. Many people take advantage of this opportunity because it is convenient and secure. Health Maintenance Organization (HMO) is when the insured person pays a fixed membership fee ahead of time. In return, they receive comprehensive health care from a list of approved providers in a certain area. HMOs are usually more affordable, but they do not provide as much coverage. Preferred Provider Organization (PPO) is a health plan that lists preferred health care providers. When patients visit the preferred providers, they may receive incentives such as a lower copay. Copay is a flat rate that the patient must pay each time they …

Questions to Define Your Need Before Contacting A Freight Forwarding Company

When it comes to freight forwarding and third party logistics (3PL), selecting the right logistics service provider is no different than choosing the right supplier or your own employees for your company; you are choosing a partner that will help your business succeed. The company that you will choose should be a trusted partner for your logistics needs, and should have good track record in providing the best freight forwarding services. In this fast-changing world which is highly dependent on supply chain optimization, cost efficiency, timeliness, and unvarying service, shippers, importer, exporters and others involved in the supply chain must make an assurance on which freight forwarding company to choose for their logistic needs.

In selecting the right forwarding company for your business, the size of your company should not fix upon the size of your freight forwarder (a combination of volume shipped, revenues and # of employees are how the size of your freight forwarder is defined). There are large companies that chose small freight forwarders for their business as well as small companies that chose to have large freight forwarders. Therefore, there are many other questions that must be answered and other point of comparison that needs to be analyzed to conclude which freight forwarding company is right for you and your company.

Here are some questions that you need to answer for you to know which freight forwarding company to choose:

1. What mode of service do I need? Do I need port to port, port to door, door to port, or door to door services?

2. What is the origin address of the cargo, what is the final destination?

3. When you are having international freight forwarding, ask yourself What are my international commercial terms with my supplier or my buyer? At what point does my responsibility and liability of the cargo begin or end?

4. What is the size/weight/dimensions/value of my cargo? What is the value? Is my shipment considered oversized or out of gauge?

5. Depending on the mode of transport that you will be needing: what size ocean container, what volume of air cargo, or size domestic cargo will I be shipping?

6. How is my cargo packaged? Do I need additional packing or loading services?

7. Is my cargo considered hazardous? If so, do I have the material safety data sheet, which is required by my freight forwarder?

8. Is there any sort of import or export license required for the import or export of my cargo depending on the commodity and ultimate destination of the cargo? If so, do I know how to apply for that license?

9. Will I need any special services such as: documentary services such as document attestation or legalization services, drop and pull of a container (container left overnight at supplier), customs clearance and duties paid, CBP/FDA/USDA exam processing, in-bond entry, commodity classification (HTS codes), fish & wildlife license, prior notice, annual bond for imports, consolidation of cargo, deconsolidation or any other type of additional service?…