Month: December 2016
Updated on August 10, 2017 by admin
Actually the cheapest personal transport contraption is the pedal-powered bicycle. You might even say that’s not correct, the skateboard is. Okay, no argument there, but when it comes to motorized vehicles, few will argue that scooters make the most economical sense for a personal vehicle. Until they can make a two seater car even cheaper, the scooter is king of the road.
Defining what Cheap Means
In the world of motorized driving, going cheap can have different meanings. Compact cars have become cheap in the sense that they are the most affordable 4 wheelers on the road these days. Going for unheard-of brands online can be considered dirt-cheap as they want to break into markets dominated by the major auto makers and having the lowest sticker price can be their best bet.
But scooters are an entirely different breed. While are they generally categorized as part of the 2-wheel motorbike or motorcycle, scooters have long remained to be a short-distance runner reserved for kids and ladies commuting within villages. Their engine size getting no more than 250cc guarantees that they will remain the most affordable means of commuting. That’s what it means to be cheap.
Fuel Efficiency at Its Best
Not only are scooters the cheapest personal transport, you get to enjoy the best mileage at anywhere between 60 to 100 miles to a gallon depending on the model. The raw money savings are just too dramatic to overlook. People have known the scooter to be a sensible way to get to their destination ever since they became commercially available after WWII with the Italian Vespa scooters.
The Japanese Honda and Yamaha brands extended that across a wider market around the world starting in the 60s. They had developed a good following for people commuting on short distances and have never waned in terms of appeal. But the technology remained as they often use 4 stroke 50 cc engines on a light body that accounts for much of their fuel efficiency.
Now with the pump prices reaching their summit historic highs with a threat of dwindling fossil fuel sources, the scooter has made a more welcome comeback. As early as 2005, sales of the scooter have soared to record highs. Even earlier, countries like India and China have gone to it with millions traveling down their major roads everyday.
You now have Indian, Taiwanese, Korean and Indonesian auto makers getting a share of the scooter markets. You almost can’t go wrong getting any brand as long as adequate after-sales technical support is there.…
Updated on August 10, 2017 by admin
What is a professional corporation (PC)?
A PC is a corporation owned and operated by one or more members of the same profession (eg doctors, lawyers, accountants, dentists). The services provided by the corporation are generally restricted to the practice of the profession.
Professional corporations are now allowed in every province and territory across Canada. In each province / territory, the professional regulatory body usually determines whether its members may incorporate. For example, the regulatory body for physicians, in all provinces and territories, allows doctors to incorporate.
How does it differ from a common corporation?
There are some significant differences between a professional corporation and a common
Corporation such as:
- Only members of the same profession can be shareholders of a professional corporation in many (but not all) provinces.
- The officers and directors of a professional corporation must generally beholders of the corporation as well.
- The professional corporation is generally subject to the investigative and regulatory powers of the regulatory body governing the profession.
- A professional corporation will not protect a professional against personal liability for professional negligence.
As a result of these differences, some of the benefits commonly associated with a corporation may have a limited application for a professional corporation. This is further described below
Advantages of using a Professional Corporation
Potential tax savings
A reduced federal and provincial corporate tax rate is applied on the first $ 400,000 of professional income earned by a professional corporation. Some provinces apply the reduced tax rate on income of up to $ 500,000. The provincial limit variances by province. For 2010, the combined federal and provincial tax on income subject to the small business limit will range between approximately 11{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and 19{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. As a result of this lower rate, the combined corporate and shareholder taxes paid on professional services income is slightly lower than if such income were to be earned by you directly.
Potential tax deferral
Perhaps the most significant advantage of using a PC is the ability to defer taxes. Professional income earned through a corporation is taxed at two levels – once at the corporate level and then again at the shareholder level when the profits are distributed to you as dividend income.
Since income at the corporate level is taxed at a lower rate than your personal income, a tax deferral opportunity exists when the income is taxed in the corporation (at the lower rate) and is not distributed to the shareholder (ie you). The deferral ceases when a dividend is paid to you and you pay the tax on that divide.
Let's illustrate. If you earn a professional income of $ 500,000 per year as a sole proprietor and only need $ 200,000 of pre-tax income for personal expenses, you will be left with $ 300,000 that will be taxed at the highest marginal rate. Assuming a marginal tax rate of 47{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, you will be left with $ 159,000 to invest.
On the other hand, if you incorporate the practice, the $ 300,000 will be …
Updated on August 10, 2017 by admin
You can be in business for yourself, and be your own boss, if you start your own trenching business service, and work for yourself. Trenching, is basically like digging a long thing hole, maybe 10 inches wide, and 2 feet deep, for 100 yards. That would be a big job, to complete with a shovel.
A trenching machine, is like a big chain saw, a trenching machine digs up the ground to a certain depth, and certain width. Most notable, trenching would be needed for constructing of footings, irrigation lines, cable lines, pipes, underground utilities, water lines, gas lines, pool lines, and more.
Some do it yourself home owners, like to put in their own sprinkler systems. But, when they learn they have to put the lines all underground, it would take forever to use a shovel, and do it by hand. It would be an almost impossible task, so it needs to be trenched. That’s where you come in, and make money with your trenching service. You can offer trenching by the foot, or by the job. You can network with other landscapers, stump grinders, tree cutters, gardeners, tractor service operators, bobcat operators, dump truck drivers, nursery outlets, and more.
You should have a sign on your vehicle, saying the name of your business, and how they can get a hold of you for work. Some trenching machines can be put in the back of a pickup truck or pulled on a trailer. You can also rent a trenching machine from a local equipment rental dealer, until you can get your own.…
Updated on August 10, 2017 by admin
In “Constraints to Leisure,” Edgar L. Jackson and David Scott provide an overview of the field of leisure constraints research as of the late 1990s. They point out that originally researchers in the field studies what was then called “barriers to recreation participation,” but the word “barriers” refers to what is now considered only one type of constraint – something that intervenes or prevents one from participating in an activity. But now other kinds of constraints are recognized, including one’s interpersonal and intrapersonal influences, which lead one not to take part in leisure. In additional, Jackson and Scott explain that the word “leisure” is used rather than just recreation, since it is a more inclusive term, and the word “participation” was also dropped, since leisure research doesn’t only involve whether a persona participates, but what they prefer to do, where, and what a particular type of leisure means to them.
Jackson and Scott also discuss the three major ways of looking at leisure that have evolved since the leisure constraints approach began in the 19th century. It began with considerations of “barriers to recreation participation and leisure enjoyment” based on the assumption that the main issue to address was service delivery, so that people would participate more if there were more services provided.
Then, starting in the 1960s, the focus shifted to looking at how particular barriers might affect the participation by individuals with different economic and social characteristics. Later, in the 1980s, the notion of constraints emerged, and the researchers realized that these constraints might not only be external, such as in the form of a facility or service, but could be internal, such as a constraint due to psychological and economic factors, or to social or interpersonal factors, such as a person’s relationships with his or her spouse or family.
Since the late 1980s, it would seem that three major concepts about the constraints affecting involvement in leisure activities have emerged, as described in a model proposed by Crawford and Godbey in 1987.
1) The structural or intervening constraint is one which affects someone from participating in some type of leisure, once the person already has indicated a preference for or desire to participate. As conceptualized by Crawford and Godbey, these structural or intervening constraints are “those factors that intervene between leisure preference and participation.” (p. 307). Research based on this conception of a constraint generally involves doing a survey to identify the particular items standing in the way of participation, such as time, costs, facilities, knowledge of the service or facility, lack of a partner for participation (such as a partner to participate in a doubles tennis match), and a lack of skills or a disability. The assumption underlying this approach is that a person would participate in any activity if not for these constraints, which seem much like the barriers conceived of when that term was in use. In looking for patterns and commonalities, using various quantitative methods such as factor analysis and cluster analysis, researchers …
Updated on August 10, 2017 by admin
Isn’t it funny how many cliches can be associated with insurance? I think when a couple of sayings and anecdotes were invented; the inventors had the term insurance in mind!
Have a look at a couple of the following sayings and tell me if you agree…
Nothing is certain, but death and taxes. This can be changed to – nothing is certain, but death and insurance. No matter who we are, what we do, how much money we have or which car we drive… we need insurance!
All is fair in love and war. Once again, this can be changed to “all is fair in love and insurance.” Don’t you agree that we are at the mercy of insurance companies? What they say is law and we have to just sign on the dotted line and accept the fact that we are paying tons of money each month on something that we do not really want. Do not accept the first quote that you are offered. Shop around until you find a policy that you are completely satisfied with. Do not allow any broker, agent or insurance company to force you into taking a policy that you are not happy with.
He has been taken for a ride – he has been taken for an insurance ride! It’s unfortunate to hear how many insurance companies take their clients and customers for a ride. This is usually by means of not wanting to pay out a claim, increasing premiums drastically, or other matters that we have no control over. Always read the fine print before signing any insurance document. By having a good understanding of what your insurance policy entails, a lot of this can be prevented.
A chain is only as strong as its weakest link – An insurance company is only as strong as its weakest link. When wanting to obtain insurance, make sure that you talk to an agent or a broker who knows what they are doing! The worst thing in the world is dealing with an insurance reseller who has only one thing on the mind and that is to meet their monthly sales targets. Insurance is a very important investment; therefore it is crucial that a qualified professional takes care of your needs and requirements.
A good beginning makes a good ending. Change this to “a good insurance company makes a good ending” and you will be one of the many individuals who are satisfied with the service received from their insurance companies. If a company offers outstanding service and handles queries and claims effortlessly, even a burglary or an accident can have a good ending.
After a storm comes a calm. If you can change this saying to “after an insurance claim, comes a calm” – congratulations! That means that you have recently put in a claim and that it was handled successfully, enabling you to relax after everything has been taken care of.
I hope you have enjoyed this tongue in the cheek …
Updated on August 10, 2017 by admin
Are bad credit motorcycle loans possible? This is a question I am asked over and over again, whether it is just meeting a person on the street or though e-mail from a person that found my motorcycle financing website. Well the short answer is yes bad credit motorcycle loans are totally possible even if you have a bankruptcy on your credit report. However, there are certain things you need to consider before looking for a bad credit cycle loans because you can be taken advantage of just because you have poor credit.
First off understand that over and over again in the world of motorcycle loans, I see cycle buyers with bad credit tend to focus more on desperation for getting approved for motorcycle financing rather than making a good decision for there financial future. As a result, when the typical motorcycle buyer with poor credit is approved they are often stuck with hefty fees, and backend products that leave them paying much more for their motorcycle than they should.
If you have bad credit and need a motorcycle loan, the best advice I can give you is do not let someone tell you that you have to pay document fees, extended protection, Gap insurance or other add on products to get approved. Sure you may have to sacrifice for a higher interest rate on your bad credit motorcycle loan, but you do not have to get taken to the cleaners with a bunch of other fees.
It is the above reasons that it is important to try to sometimes go straight to the lender and find a lender that will finance bad credit motorcycle loans I am not going to tell you that it is easy to get approved like if you had good credit but if you work a bit you can find motorcycle lenders specializing in bad credit. Here are some options you may want to consider.
1. Online Motorcycle Lenders: The nice thing about working with online motorcycle lenders is that you are going directly to the lender and there is no middle man involved with placing you in a loan that may put you in a bad situation. Going directly to the lender for bad credit motorcycle loans is always better in my opinion because the lender does not want to place you in a loan you will default on. On the other hand, going through a middle man you will find the middle man will want to place you in a situation where they will make the most money which could be a very bad loan for you.
2. Credit Union: Your local credit union may buy bad credit motorcycle loan more often than the average loan at a dealer because the credit union only has a small percentage of its overall loan portfolio in bad credit motorcycle loans. This allows them to control losses a bit better than a dealer because they have other thinks finance not just motorcycles. So they may approve …
Updated on August 10, 2017 by admin
Rune Meditations FA for Wealth/Prosperity
For the first time you can now combine the Ancient Wisdom of the Runes with the power of Quantum Physics to attract wealth.
I believe in the power of the Universal Creative Energies called the RUNES. The power of the Law of Attraction. The Law of Three. The Law of Resonant Frequencies. All laws you can now use to recreate your life the way you want it.
All these laws are now fully explained in the modern day language, called Quantum Physics. Our ancestors and the modern day metaphyscians called these working laws The Mind of God.
By consciously using these laws we can change our destiny, and our lives, to include more abundance, health and happiness.
Runic energies are the most powerful way to do this.
I am sharing with you my 25 years of rune work. I will use the modern languages of energy and Quantum Physics.
Runes, Rune-Meditations, Rune-Magic, Rune-Yoga are all part of the great truth of Creation.
RUNE-MAGIC-MEDITATION-FOR-WEALTH
You will notice that there is a great similarity between this meditation and the meditation for health. I am a firm believer in repetition. The more you see something, the sooner you will grasp it
What you about to read, about runic energies, you won’t find on any where else. This is the first time RUNES are presented from a strictly energy point of view.
To practice this runic breathing exercise you do not need any ritualistic paraphernalia. All you will need is to print out the oversized rune you will find at the this lesson.
It is best to print it out on hard card stock, it will last longer.
For this runic breathing exercise we will use RUNE-FA . The Rune of mobile wealth.
To begin, sit comfortably in your favorite chair. It is best if possible to use the same chair everyday for your runic meditations. In this way the chair will become imbued and charged with runic energies. After awhile, just sitting in the chair will bring you the feeling of peace and calm.
Relax, do not strain. Breathe slowly and deeply Do not be concerned if you are doing it right or wrong. Do not be concerned if you are pleasing or displeasing a god/goddess. It is not a ritual. It is about attracting rune energies.
It is your personal rune-meditation-for-wealth breathing exercise. It is energy and vibrations.
Where you place your attention your energy flows. You actually touch what you think about, and it will touch you back. When you place your attention on the runes in the Quantum Ocean their energies will flow towards you. You are performing an energy transfer.
RUNE MEDITATION FA WEALTH
The runic wealth energy that you are about to attract has to have a specific target, a specific place to flow to. You will now prepare yourself to mentally receive these energies into your personal energy field (AURA.)
Once your personal energy field is charged with this runic energy then …
Updated on August 10, 2017 by admin
Global financing and exchange rates are major topics when considering a venturing business abroad. In the proceeding I will explain in detail what hard and soft contexts are. I will then go into detail explaining the reasoning for the fluctuating treaties. Finally I will explain hard and soft contracts importance in managing risks.
Hard currency
Hard currency is usually from a highly industrialized country that is widely accepted around the world as a form of payment for goods and services. A hard currency is expected to remain reliably stable through a short period of time, and to be highly liquid in the forex market. Another criterion for a hard currency is that the currency must come from a politically and economically stable country. The US dollar and the British pound are good examples of hard courses (Investopedia, 2008). Hard currency basically means that the currency is strong. The terms strong and weak, rising and falling, strengthening and weakening are relative terms in the world of foreign exchange (sometimes referred to as "forex"). Rising and falling, strengthening and weakening all indicate a relative change in position from a previous level. When the dollar is "strengthening," its value is rising in relation to one or more other treaties. A strong dollar will buy more units of a foreign currency than previously. One result of a stronger dollar is that the prices of foreign goods and services drop for US consumers. This may allow Americans to take the long-postponed vacation to another country, or buy a foreign car that used to be too expensive. US consumers' benefit from a strong dollar, but US exporters is hurt. A strong dollar means that it takes more of a foreign currency to buy US dollars. US goods and services become more expensive for foreign consumers who, as a result, tend to buy fewer US products. Because it takes more than a foreign currency to purchase strong dollars, products priced in dollars are more expensive when sold overseas (chicagofed, 2008).
Soft currency
Soft currency is another name for "weak currency". The values of soft currencies fluctuate often, and other countries do not want to hold these currencies due to political or economic uncertainty within the country with the soft currency. Currencies from most developing countries are considered to be soft treaties. Often, governments from these developing countries will set unrealistically high exchange rates, pegging their currency to a currency such as the US dollar (invest words, 2008). Soft currency breaks down to the currency being very weak, an example of this would be the Mexican peso. A weak dollar also hurts some people and benefits others. When the value of the dollar falls or weakens in relation to another currency, prices of goods and services from that country rise for US consumers. It takes more dollars to purchase the same amount of foreign currency to buy goods and services. That means US consumers and US companies that import products have reduced purchasing power. At the same time, …
Updated on August 10, 2017 by admin
For those looking to invest, you should know that many investments can be categorized as being high risk, moderate risk and low risk. Investing is not difficult, but you should always put lots of thought and planning into it. It is also extremely important to educate yourself about the many different investments available to you so you can find those that fit best with your specific situation and lifestyle. Here are some tips regarding the three categories of investing.
Low Risk Investments
While low risk investments are usually very low key and rarely are extremely glitzy or publicized, they do offer conservative investors a way to save money for the short or long term without the risk involved that you find in other forms of investing. Low risk investments usually pay the lowest yields, but are far less volatile than many other types of investments. Low risk investments include money market funds, certificate of deposits and some types of bonds. Low risk investments are perfect for those that want to make sure there money remains safe and secure. While low risk investments don’t offer high returns, they do offer stability and security for those that can’t afford to lose money or would just like to avoid as much risk as possible. Expect low risk investments to pay out yields of 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} annually.
Moderate Risk Investments
Moderate risk investments are perfect for those that are interested in investing for the long term and would like to earn moderate yields. Moderate risk investments are usually certain kinds of stocks, bonds and mutual funds that pay handsomely over the long term. While generally riskier than saving money in a bank, for those that are looking to invest for the long term, historically speaking you will grow your money quite nicely. Moderate risk investments usually use the power of compound interest and time to create a nest egg from 10 to 40 years with regular savings. For instance, saving 1K per year at an interest rate of 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} for 30 years can return close to 200K. Moderate risk investments usually return yields of 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.
High Risk Investments
High risk investments are those investments that if you are lucky can return huge yields, however the downturn is that they can be extremely volatile and in many cases instead of getting rich off your investment, you find yourself losing some or all of it. High risk investments include penny stocks, international stocks, some types of Forex trades, etc. The sky is the limit for returns, but many high risk investments- if considered a winner should return yields that range from 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}++.…
Updated on August 10, 2017 by admin
Security or personal defense is something that all of you should take a lot of interest in. The quietest of towns and villages too are now not too safe at anytime of the night or day when you are alone. You can be attacked by a thief, kidnapper, murderer, psycho or a rapist. They come in all sizes and shapes you cannot be sure whether friend or foe unless you know the person very well for a very long time.
A lot of gadgets are available in the real market and e-market that you can buy for you own personal safety. SAFETY is something that you cannot compromise and it has to be your priority. You can opt for a safety gadget according to your comfort and budget. If you want something small and dangerous but something that will not kill your attacker you can go for a Taser gun. They are electric guns which when comes in contact with the attackers gives him an electric shock strong enough to make him lose his senses and keep him immobile for a few minutes.
Taser guns are used by cops too. They use them in situations where they just want to use a non-lethal weapon. It is a gadget that will not kill the attacker but yet it will save your life. At a time when you are alone and there is no one around to help and few minutes can be more than enough for you to reach safety or call for some help.
These gadgets cost for as little as $299.99, up to $1000.00 and yet provide you with safety for your life. It’s a small price to pay for your own personal security. Parents buy these Taser guns not only for their young daughters but for their teenagers who venture out of their homes alone for educational or entertainment purposes. Traveling to a late night party with a Taser means your child is safer and can look after themselves in case someone attacks them.
A lot of senior citizens are targeted by rogues and thieves so that they can make a quick buck. You need not be fit or agile to catch your trouble maker but you surely can hit him with your Taser gun and then get the cops to look after him. If you are scared to open your door to all sorts of strangers who ring your bell, all you have to do is keep your Taser gun in your other hand and open the door a little bit, if he tries to intrude into the house just give him a shock and bolt your door and call the cops.
These Taser guns are available in sizes to suit your convenience. You can carry your Taser gun without anyone else knowing that you have a weapon which can knock them out of their senses in a few seconds. In most states they are legal to own and carry either on your person or hidden in …
Month: December 2016
The Cheapest Form of Personal Transport – The Scooter
Updated on August 10, 2017 by admin
Actually the cheapest personal transport contraption is the pedal-powered bicycle. You might even say that’s not correct, the skateboard is. Okay, no argument there, but when it comes to motorized vehicles, few will argue that scooters make the most economical sense for a personal vehicle. Until they can make a two seater car even cheaper, the scooter is king of the road.
Defining what Cheap Means
In the world of motorized driving, going cheap can have different meanings. Compact cars have become cheap in the sense that they are the most affordable 4 wheelers on the road these days. Going for unheard-of brands online can be considered dirt-cheap as they want to break into markets dominated by the major auto makers and having the lowest sticker price can be their best bet.
But scooters are an entirely different breed. While are they generally categorized as part of the 2-wheel motorbike or motorcycle, scooters have long remained to be a short-distance runner reserved for kids and ladies commuting within villages. Their engine size getting no more than 250cc guarantees that they will remain the most affordable means of commuting. That’s what it means to be cheap.
Fuel Efficiency at Its Best
Not only are scooters the cheapest personal transport, you get to enjoy the best mileage at anywhere between 60 to 100 miles to a gallon depending on the model. The raw money savings are just too dramatic to overlook. People have known the scooter to be a sensible way to get to their destination ever since they became commercially available after WWII with the Italian Vespa scooters.
The Japanese Honda and Yamaha brands extended that across a wider market around the world starting in the 60s. They had developed a good following for people commuting on short distances and have never waned in terms of appeal. But the technology remained as they often use 4 stroke 50 cc engines on a light body that accounts for much of their fuel efficiency.
Now with the pump prices reaching their summit historic highs with a threat of dwindling fossil fuel sources, the scooter has made a more welcome comeback. As early as 2005, sales of the scooter have soared to record highs. Even earlier, countries like India and China have gone to it with millions traveling down their major roads everyday.
You now have Indian, Taiwanese, Korean and Indonesian auto makers getting a share of the scooter markets. You almost can’t go wrong getting any brand as long as adequate after-sales technical support is there.…
Category: money, personal Tags: Business, Finance, insurance, Money , personal
Professional Corporations – Advantages and Disadvantages
Updated on August 10, 2017 by admin
What is a professional corporation (PC)?
A PC is a corporation owned and operated by one or more members of the same profession (eg doctors, lawyers, accountants, dentists). The services provided by the corporation are generally restricted to the practice of the profession.
Professional corporations are now allowed in every province and territory across Canada. In each province / territory, the professional regulatory body usually determines whether its members may incorporate. For example, the regulatory body for physicians, in all provinces and territories, allows doctors to incorporate.
How does it differ from a common corporation?
There are some significant differences between a professional corporation and a common
Corporation such as:
As a result of these differences, some of the benefits commonly associated with a corporation may have a limited application for a professional corporation. This is further described below
Advantages of using a Professional Corporation
Potential tax savings
A reduced federal and provincial corporate tax rate is applied on the first $ 400,000 of professional income earned by a professional corporation. Some provinces apply the reduced tax rate on income of up to $ 500,000. The provincial limit variances by province. For 2010, the combined federal and provincial tax on income subject to the small business limit will range between approximately 11{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and 19{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. As a result of this lower rate, the combined corporate and shareholder taxes paid on professional services income is slightly lower than if such income were to be earned by you directly.
Potential tax deferral
Perhaps the most significant advantage of using a PC is the ability to defer taxes. Professional income earned through a corporation is taxed at two levels – once at the corporate level and then again at the shareholder level when the profits are distributed to you as dividend income.
Since income at the corporate level is taxed at a lower rate than your personal income, a tax deferral opportunity exists when the income is taxed in the corporation (at the lower rate) and is not distributed to the shareholder (ie you). The deferral ceases when a dividend is paid to you and you pay the tax on that divide.
Let's illustrate. If you earn a professional income of $ 500,000 per year as a sole proprietor and only need $ 200,000 of pre-tax income for personal expenses, you will be left with $ 300,000 that will be taxed at the highest marginal rate. Assuming a marginal tax rate of 47{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, you will be left with $ 159,000 to invest.
On the other hand, if you incorporate the practice, the $ 300,000 will be …
Category: business, insurance, personal Tags: Business, Finance, insurance, Money , personal
How to Start Your Own Trenching Service Business
Updated on August 10, 2017 by admin
You can be in business for yourself, and be your own boss, if you start your own trenching business service, and work for yourself. Trenching, is basically like digging a long thing hole, maybe 10 inches wide, and 2 feet deep, for 100 yards. That would be a big job, to complete with a shovel.
A trenching machine, is like a big chain saw, a trenching machine digs up the ground to a certain depth, and certain width. Most notable, trenching would be needed for constructing of footings, irrigation lines, cable lines, pipes, underground utilities, water lines, gas lines, pool lines, and more.
Some do it yourself home owners, like to put in their own sprinkler systems. But, when they learn they have to put the lines all underground, it would take forever to use a shovel, and do it by hand. It would be an almost impossible task, so it needs to be trenched. That’s where you come in, and make money with your trenching service. You can offer trenching by the foot, or by the job. You can network with other landscapers, stump grinders, tree cutters, gardeners, tractor service operators, bobcat operators, dump truck drivers, nursery outlets, and more.
You should have a sign on your vehicle, saying the name of your business, and how they can get a hold of you for work. Some trenching machines can be put in the back of a pickup truck or pulled on a trailer. You can also rent a trenching machine from a local equipment rental dealer, until you can get your own.…
Category: business, money Tags: Business, Finance, insurance, Money , personal
Constraints on Participating in Leisure
Updated on August 10, 2017 by admin
In “Constraints to Leisure,” Edgar L. Jackson and David Scott provide an overview of the field of leisure constraints research as of the late 1990s. They point out that originally researchers in the field studies what was then called “barriers to recreation participation,” but the word “barriers” refers to what is now considered only one type of constraint – something that intervenes or prevents one from participating in an activity. But now other kinds of constraints are recognized, including one’s interpersonal and intrapersonal influences, which lead one not to take part in leisure. In additional, Jackson and Scott explain that the word “leisure” is used rather than just recreation, since it is a more inclusive term, and the word “participation” was also dropped, since leisure research doesn’t only involve whether a persona participates, but what they prefer to do, where, and what a particular type of leisure means to them.
Jackson and Scott also discuss the three major ways of looking at leisure that have evolved since the leisure constraints approach began in the 19th century. It began with considerations of “barriers to recreation participation and leisure enjoyment” based on the assumption that the main issue to address was service delivery, so that people would participate more if there were more services provided.
Then, starting in the 1960s, the focus shifted to looking at how particular barriers might affect the participation by individuals with different economic and social characteristics. Later, in the 1980s, the notion of constraints emerged, and the researchers realized that these constraints might not only be external, such as in the form of a facility or service, but could be internal, such as a constraint due to psychological and economic factors, or to social or interpersonal factors, such as a person’s relationships with his or her spouse or family.
Since the late 1980s, it would seem that three major concepts about the constraints affecting involvement in leisure activities have emerged, as described in a model proposed by Crawford and Godbey in 1987.
1) The structural or intervening constraint is one which affects someone from participating in some type of leisure, once the person already has indicated a preference for or desire to participate. As conceptualized by Crawford and Godbey, these structural or intervening constraints are “those factors that intervene between leisure preference and participation.” (p. 307). Research based on this conception of a constraint generally involves doing a survey to identify the particular items standing in the way of participation, such as time, costs, facilities, knowledge of the service or facility, lack of a partner for participation (such as a partner to participate in a doubles tennis match), and a lack of skills or a disability. The assumption underlying this approach is that a person would participate in any activity if not for these constraints, which seem much like the barriers conceived of when that term was in use. In looking for patterns and commonalities, using various quantitative methods such as factor analysis and cluster analysis, researchers …
Category: personal Tags: Business, Finance, insurance, Money , personal
Cliches Associated With Insurance
Updated on August 10, 2017 by admin
Isn’t it funny how many cliches can be associated with insurance? I think when a couple of sayings and anecdotes were invented; the inventors had the term insurance in mind!
Have a look at a couple of the following sayings and tell me if you agree…
Nothing is certain, but death and taxes. This can be changed to – nothing is certain, but death and insurance. No matter who we are, what we do, how much money we have or which car we drive… we need insurance!
All is fair in love and war. Once again, this can be changed to “all is fair in love and insurance.” Don’t you agree that we are at the mercy of insurance companies? What they say is law and we have to just sign on the dotted line and accept the fact that we are paying tons of money each month on something that we do not really want. Do not accept the first quote that you are offered. Shop around until you find a policy that you are completely satisfied with. Do not allow any broker, agent or insurance company to force you into taking a policy that you are not happy with.
He has been taken for a ride – he has been taken for an insurance ride! It’s unfortunate to hear how many insurance companies take their clients and customers for a ride. This is usually by means of not wanting to pay out a claim, increasing premiums drastically, or other matters that we have no control over. Always read the fine print before signing any insurance document. By having a good understanding of what your insurance policy entails, a lot of this can be prevented.
A chain is only as strong as its weakest link – An insurance company is only as strong as its weakest link. When wanting to obtain insurance, make sure that you talk to an agent or a broker who knows what they are doing! The worst thing in the world is dealing with an insurance reseller who has only one thing on the mind and that is to meet their monthly sales targets. Insurance is a very important investment; therefore it is crucial that a qualified professional takes care of your needs and requirements.
A good beginning makes a good ending. Change this to “a good insurance company makes a good ending” and you will be one of the many individuals who are satisfied with the service received from their insurance companies. If a company offers outstanding service and handles queries and claims effortlessly, even a burglary or an accident can have a good ending.
After a storm comes a calm. If you can change this saying to “after an insurance claim, comes a calm” – congratulations! That means that you have recently put in a claim and that it was handled successfully, enabling you to relax after everything has been taken care of.
I hope you have enjoyed this tongue in the cheek …
Category: insurance, money Tags: Business, Finance, insurance, Money , personal
Are Bad Credit Motorcycle Loans Possible
Updated on August 10, 2017 by admin
Are bad credit motorcycle loans possible? This is a question I am asked over and over again, whether it is just meeting a person on the street or though e-mail from a person that found my motorcycle financing website. Well the short answer is yes bad credit motorcycle loans are totally possible even if you have a bankruptcy on your credit report. However, there are certain things you need to consider before looking for a bad credit cycle loans because you can be taken advantage of just because you have poor credit.
First off understand that over and over again in the world of motorcycle loans, I see cycle buyers with bad credit tend to focus more on desperation for getting approved for motorcycle financing rather than making a good decision for there financial future. As a result, when the typical motorcycle buyer with poor credit is approved they are often stuck with hefty fees, and backend products that leave them paying much more for their motorcycle than they should.
If you have bad credit and need a motorcycle loan, the best advice I can give you is do not let someone tell you that you have to pay document fees, extended protection, Gap insurance or other add on products to get approved. Sure you may have to sacrifice for a higher interest rate on your bad credit motorcycle loan, but you do not have to get taken to the cleaners with a bunch of other fees.
It is the above reasons that it is important to try to sometimes go straight to the lender and find a lender that will finance bad credit motorcycle loans I am not going to tell you that it is easy to get approved like if you had good credit but if you work a bit you can find motorcycle lenders specializing in bad credit. Here are some options you may want to consider.
1. Online Motorcycle Lenders: The nice thing about working with online motorcycle lenders is that you are going directly to the lender and there is no middle man involved with placing you in a loan that may put you in a bad situation. Going directly to the lender for bad credit motorcycle loans is always better in my opinion because the lender does not want to place you in a loan you will default on. On the other hand, going through a middle man you will find the middle man will want to place you in a situation where they will make the most money which could be a very bad loan for you.
2. Credit Union: Your local credit union may buy bad credit motorcycle loan more often than the average loan at a dealer because the credit union only has a small percentage of its overall loan portfolio in bad credit motorcycle loans. This allows them to control losses a bit better than a dealer because they have other thinks finance not just motorcycles. So they may approve …
Category: finance, insurance, money, personal Tags: Business, Finance, insurance, Money , personal
Attract Money With Runes and Laws of Quantum Physics
Updated on August 10, 2017 by admin
Rune Meditations FA for Wealth/Prosperity
For the first time you can now combine the Ancient Wisdom of the Runes with the power of Quantum Physics to attract wealth.
I believe in the power of the Universal Creative Energies called the RUNES. The power of the Law of Attraction. The Law of Three. The Law of Resonant Frequencies. All laws you can now use to recreate your life the way you want it.
All these laws are now fully explained in the modern day language, called Quantum Physics. Our ancestors and the modern day metaphyscians called these working laws The Mind of God.
By consciously using these laws we can change our destiny, and our lives, to include more abundance, health and happiness.
Runic energies are the most powerful way to do this.
I am sharing with you my 25 years of rune work. I will use the modern languages of energy and Quantum Physics.
Runes, Rune-Meditations, Rune-Magic, Rune-Yoga are all part of the great truth of Creation.
RUNE-MAGIC-MEDITATION-FOR-WEALTH
You will notice that there is a great similarity between this meditation and the meditation for health. I am a firm believer in repetition. The more you see something, the sooner you will grasp it
What you about to read, about runic energies, you won’t find on any where else. This is the first time RUNES are presented from a strictly energy point of view.
To practice this runic breathing exercise you do not need any ritualistic paraphernalia. All you will need is to print out the oversized rune you will find at the this lesson.
It is best to print it out on hard card stock, it will last longer.
For this runic breathing exercise we will use RUNE-FA . The Rune of mobile wealth.
To begin, sit comfortably in your favorite chair. It is best if possible to use the same chair everyday for your runic meditations. In this way the chair will become imbued and charged with runic energies. After awhile, just sitting in the chair will bring you the feeling of peace and calm.
Relax, do not strain. Breathe slowly and deeply Do not be concerned if you are doing it right or wrong. Do not be concerned if you are pleasing or displeasing a god/goddess. It is not a ritual. It is about attracting rune energies.
It is your personal rune-meditation-for-wealth breathing exercise. It is energy and vibrations.
Where you place your attention your energy flows. You actually touch what you think about, and it will touch you back. When you place your attention on the runes in the Quantum Ocean their energies will flow towards you. You are performing an energy transfer.
RUNE MEDITATION FA WEALTH
The runic wealth energy that you are about to attract has to have a specific target, a specific place to flow to. You will now prepare yourself to mentally receive these energies into your personal energy field (AURA.)
Once your personal energy field is charged with this runic energy then …
Category: business, money, personal Tags: Business, Finance, insurance, Money , personal
Global Financing – Hard and Soft Currency
Updated on August 10, 2017 by admin
Global financing and exchange rates are major topics when considering a venturing business abroad. In the proceeding I will explain in detail what hard and soft contexts are. I will then go into detail explaining the reasoning for the fluctuating treaties. Finally I will explain hard and soft contracts importance in managing risks.
Hard currency
Hard currency is usually from a highly industrialized country that is widely accepted around the world as a form of payment for goods and services. A hard currency is expected to remain reliably stable through a short period of time, and to be highly liquid in the forex market. Another criterion for a hard currency is that the currency must come from a politically and economically stable country. The US dollar and the British pound are good examples of hard courses (Investopedia, 2008). Hard currency basically means that the currency is strong. The terms strong and weak, rising and falling, strengthening and weakening are relative terms in the world of foreign exchange (sometimes referred to as "forex"). Rising and falling, strengthening and weakening all indicate a relative change in position from a previous level. When the dollar is "strengthening," its value is rising in relation to one or more other treaties. A strong dollar will buy more units of a foreign currency than previously. One result of a stronger dollar is that the prices of foreign goods and services drop for US consumers. This may allow Americans to take the long-postponed vacation to another country, or buy a foreign car that used to be too expensive. US consumers' benefit from a strong dollar, but US exporters is hurt. A strong dollar means that it takes more of a foreign currency to buy US dollars. US goods and services become more expensive for foreign consumers who, as a result, tend to buy fewer US products. Because it takes more than a foreign currency to purchase strong dollars, products priced in dollars are more expensive when sold overseas (chicagofed, 2008).
Soft currency
Soft currency is another name for "weak currency". The values of soft currencies fluctuate often, and other countries do not want to hold these currencies due to political or economic uncertainty within the country with the soft currency. Currencies from most developing countries are considered to be soft treaties. Often, governments from these developing countries will set unrealistically high exchange rates, pegging their currency to a currency such as the US dollar (invest words, 2008). Soft currency breaks down to the currency being very weak, an example of this would be the Mexican peso. A weak dollar also hurts some people and benefits others. When the value of the dollar falls or weakens in relation to another currency, prices of goods and services from that country rise for US consumers. It takes more dollars to purchase the same amount of foreign currency to buy goods and services. That means US consumers and US companies that import products have reduced purchasing power. At the same time, …
Category: business, finance, money Tags: Business, Finance, insurance, Money , personal
High Risk, Moderate Risk and Low Risk Investments
Updated on August 10, 2017 by admin
For those looking to invest, you should know that many investments can be categorized as being high risk, moderate risk and low risk. Investing is not difficult, but you should always put lots of thought and planning into it. It is also extremely important to educate yourself about the many different investments available to you so you can find those that fit best with your specific situation and lifestyle. Here are some tips regarding the three categories of investing.
Low Risk Investments
While low risk investments are usually very low key and rarely are extremely glitzy or publicized, they do offer conservative investors a way to save money for the short or long term without the risk involved that you find in other forms of investing. Low risk investments usually pay the lowest yields, but are far less volatile than many other types of investments. Low risk investments include money market funds, certificate of deposits and some types of bonds. Low risk investments are perfect for those that want to make sure there money remains safe and secure. While low risk investments don’t offer high returns, they do offer stability and security for those that can’t afford to lose money or would just like to avoid as much risk as possible. Expect low risk investments to pay out yields of 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} annually.
Moderate Risk Investments
Moderate risk investments are perfect for those that are interested in investing for the long term and would like to earn moderate yields. Moderate risk investments are usually certain kinds of stocks, bonds and mutual funds that pay handsomely over the long term. While generally riskier than saving money in a bank, for those that are looking to invest for the long term, historically speaking you will grow your money quite nicely. Moderate risk investments usually use the power of compound interest and time to create a nest egg from 10 to 40 years with regular savings. For instance, saving 1K per year at an interest rate of 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} for 30 years can return close to 200K. Moderate risk investments usually return yields of 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}.
High Risk Investments
High risk investments are those investments that if you are lucky can return huge yields, however the downturn is that they can be extremely volatile and in many cases instead of getting rich off your investment, you find yourself losing some or all of it. High risk investments include penny stocks, international stocks, some types of Forex trades, etc. The sky is the limit for returns, but many high risk investments- if considered a winner should return yields that range from 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}++.…
Category: money Tags: Business, Finance, insurance, Money , personal
Do You Fear For Your Personal Safety?
Updated on August 10, 2017 by admin
Security or personal defense is something that all of you should take a lot of interest in. The quietest of towns and villages too are now not too safe at anytime of the night or day when you are alone. You can be attacked by a thief, kidnapper, murderer, psycho or a rapist. They come in all sizes and shapes you cannot be sure whether friend or foe unless you know the person very well for a very long time.
A lot of gadgets are available in the real market and e-market that you can buy for you own personal safety. SAFETY is something that you cannot compromise and it has to be your priority. You can opt for a safety gadget according to your comfort and budget. If you want something small and dangerous but something that will not kill your attacker you can go for a Taser gun. They are electric guns which when comes in contact with the attackers gives him an electric shock strong enough to make him lose his senses and keep him immobile for a few minutes.
Taser guns are used by cops too. They use them in situations where they just want to use a non-lethal weapon. It is a gadget that will not kill the attacker but yet it will save your life. At a time when you are alone and there is no one around to help and few minutes can be more than enough for you to reach safety or call for some help.
These gadgets cost for as little as $299.99, up to $1000.00 and yet provide you with safety for your life. It’s a small price to pay for your own personal security. Parents buy these Taser guns not only for their young daughters but for their teenagers who venture out of their homes alone for educational or entertainment purposes. Traveling to a late night party with a Taser means your child is safer and can look after themselves in case someone attacks them.
A lot of senior citizens are targeted by rogues and thieves so that they can make a quick buck. You need not be fit or agile to catch your trouble maker but you surely can hit him with your Taser gun and then get the cops to look after him. If you are scared to open your door to all sorts of strangers who ring your bell, all you have to do is keep your Taser gun in your other hand and open the door a little bit, if he tries to intrude into the house just give him a shock and bolt your door and call the cops.
These Taser guns are available in sizes to suit your convenience. You can carry your Taser gun without anyone else knowing that you have a weapon which can knock them out of their senses in a few seconds. In most states they are legal to own and carry either on your person or hidden in …
Category: personal Tags: Business, Finance, insurance, Money , personal
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