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• SandieDekorte363 9:10 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  Clever Ways Of Looking At Your Taxes 

  Most people don’t really look forward to filing their tax returns and paying their taxes. As it is, there really isn’t much to look forward to because it is a tedious process that can take weeks to complete. Some people even have the bad luck to raise the interest of the IRS. The trouble is, most of these people’s mistakes are not intentional. They just lack proper tax preparation, and in all probability, must have rushed through the filing process. Lack of preparation and attention to detail are the most common faults of people who often get flagged by the IRS. Let’s face it. Even if audits are not criminal in nature, they are embarrassing and distressing events people can do without.

  Filing accurate tax returns and paying correct taxes are not impossible with the right preparation and a good headstart. A good headstart is important in filing because taxpayers get more lead time to organize and prepare the necessary documents. Even if there are lots of tax software available, it is a wise idea to allot a significant amount of time in reviewing past returns, current returns applications, and tax laws. Tax laws are dynamic; they can be changed or revised between the last tax season and the one coming up. There might be some important things in the revised policies that can affect your returns and deductions. Pleading ignorance of the new policies are not acceptable to the government and the IRS because everybody is presumed to know the law. Taxpayers are recommended to review their current applications especially if they’ve been audited before. According to the IRS, taxpayers repeating audited mistakes are not uncommon. Speaking of mistakes, “forgetting” additional income sources is the predominant mistake most people make. The IRS also compares issued forms against reported income on the returns for disparity. Still on the issue of disparity and comparison, returns are checked for names and SS numbers so they must mirror those in the SS records. Wrongly issued forms must be returned and reported to the issuer for corrections.

  Wrong sums are also common mistakes due to rushing. Though tax software is usually thought of as a late taxpayer’s savior, early filers can use this software to check their computations. Tax charges can usually be avoided by printing correct sums on returns. Taxpayers are encouraged to file their returns even if their current financial situation makes them unable to pay their taxes. Installment payment is an option that IRS offers. Tax matters are sensitive and can be subjected to random auditing. It is advised that taxpayers keep and file their returns of six years at the very least for reference if ever they are called for auditing. Lastly, since the agency is the one who gets burdened by tax problems, the IRS is open to giving assistance to taxpayers. With proper preparation, filing tax returns can be an easy process.

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• SandieDekorte363 8:58 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  Know When You Should Be Selling In Penny Stocks 

  Penny Stocks can be a very effective way to provide you with a secondary income. They can be used to create passive income because they do not require you to be constantly watching over them. The problem that most people have when it comes to stocks is – not knowing the right time to sell.

  Penny Stocks can rise very quickly but they can also fall quickly too. The reason that most investors hold onto a stock is because the fail to separate their emotions from their actions.

  All of your penny stocks buying and selling should, of course, be based on sound research both of the market and the companies’ recent history. How the company is doing in terms of profitability, whether they are just about to, or have just announced profits, losses or new patents, discoveries and products, can all affect your decision on whether, or not, to buy.

  Knowing the right time to sell your penny stocks however can sometimes seem, as much an art as a science, although getting it wrong can be fatal. Many people seem to put all their research efforts into knowing what penny stocks to buy and when to buy them.

  Investors seem to forget about researching to sell stocks. Instead, they let their emotions take control and sell at the wrong time. Investors selling at the “wrong time” fall into two categories. These categories are, The Runners and The Sitters.

  The Runners like to take profit way too early. They see their Penny Stocks rise a little and sell because they don’t want to “risk too much”. I’ve seen it time and time again; these people set out to earn a 25% Return on Investment and end up taking profit at 1%. Someone who takes profit twice at 25% earns a lot more than someone who takes profit twice at 1%. Usually, as soon as they sell a penny stock, it will rise even further and they’ll be wondering why they sold so early.

  The Sitters are the heavily emotionally involved in their penny stocks. They are gamblers at heart and just do not want to let go of a losing position because “it could bounce back any day now”. When they do let go of their Penny Stocks – there is virtually nothing left. The sitters like to sit on a losing position. They like buying but dislike selling.

  Do you want to be a Runner or a Sitter? Well, I hope you are neither. You want to be a winner. A winner will separate their emotions from their investment thinking and will also research when buying and also when selling. They will buy and they are not afraid of selling.

  There is great deal of profit to be made from trading in Penny Stocks. But you have to know not only what to buy but also how long to keep it and when the best time to sell. The answer, as with most things in the world of finance, is good information and research. But that doesn’t end when you buy. Find out why your penny stocks are rising and this will put you in a much better position to know when to sell.

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• SandieDekorte363 8:51 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  The Features Your Online Tax Preparation Software Should Have 

  You may have a less taxing time this April if you let computer software do much of the hard work filing with the IRS.

  You won’t be alone. According to IRS data, more than 68 million tax returns were filed electronically last year, with more than 17 million taxpayers filing their own returns online.

  “There are a number of benefits that online tax prep and e-filing offer but you should do a little bit of homework first to get the greatest value for your dollar,” said Debra Gray, tax software manager for CCH.

  According to Gray, some of the questions you should look to answer are:

  Is the software easy and secure?

  Online software can save time because you don’t have to download it to your computer. Make sure, however, the program is easy to navigate, helps you organize your information and provides the support resources you need to complete your return, as well as encrypting your data using recognized security standards.

  Can you work at your own pace?

  Online tax preparation sites let you password protect your work, logging back in as often as you need. Make certain the program also automatically checks for errors or oversights and provides links to the problems for quick correction of potentially costly mistakes.

  What becomes of your return after you file?

  Make sure the program maintains a record of your prior year’s return, so you can roll over basic information from one year to the next.

  Does it clearly show the cost of preparing and filing your returns?

  Navigating the add-on pricing structure used by some tax software providers can be taxing in itself, with some promoting a federal price or free federal filing but not clearly indicating added costs for completing a state tax return. According to Gray, most do-it-yourself taxpayers should be able to find a good tax program for under $40, including costs for preparing both a federal and state return and e-filing the returns.

  What are the payment and refund options?

  Many sites let you deduct the cost of using their program from your expected tax refund and allow direct deposit of your refund into your bank account, for even faster access to your refund.

  What are the help and support options?

  Ideally, the program should be straightforward but you will want this safety net, so make sure the tax program offers support features via e-mail or live online chat.

  “Taxpayers who have been trying to complete their returns using pencil and paper or have been frustrated by the tax software programs they’ve used in the past, really owe it to themselves to take a look at the features available in online tax software this year,” said Gray. “Preparing taxes isn’t how most people want to spend their time, but if they’re using the right tools, they can save time completing their returns online. As an added bonus, they will likely learn a few things that can help them save even more on their taxes this year and beyond.”

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• SandieDekorte363 8:46 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  What You Need To Know About The Stock Market 

  Watching the numbers roll by on the bottom of your screen during a news cast might seem like nonsense to you. Those numbers are very important to many people because they make their fortune with stocks. They steadfastly watch the stock markets wanting to see how their investment is doing.

  To understand the stock market you first need to understand what stocks are. Stocks are the capital raised by a company when they sell shares. Shares are offered through the stock market and the money taken in from those becomes the company’s stocks.

  There are several major stock exchanges in the world where shares are traded. Company’s stocks are increased and decreased each day.

  One of these stock markets is the NASDAQ. NASDAQ stands for National Association of Securities Dealers Automated Quotations. The NASDAQ is a United States based stock market. It’s the world’s first electronic based stock market. It also trades more shares each day than any other stock market which means it has the most impact on stocks.

  Another large stock market that is United States based is the Dow Jones Industrial Average. You might hear someone say that the Dow is up or down this is what they are referring to. Many stocks are introduced on the Dow.

  Many other countries also have a great impact on stocks. In Europe almost each country has their own stock market this includes Portugal, Germany and Lisbon. The people living and working there follow invest in the stock market there and just like in North America the stocks rise and fall.

  The people who handle the buying and trading are called stock brokers. Their job is to sell and trade the shares that their clients request. It’s a demanding and rewarding job being involved directly in stocks this way. Stock brokers can make a lucrative income and the ones that study the markets and understand all the ups and downs have a definite advantage.

  For the everyday person to get involved in stocks they need to do a bit of research. It might be wise if a large amount of money is involved to talk to a stock broker. Their job is related to stocks and no one is better qualified to assist you.

  Stock brokers are paid on commission and therefore their drive is to invest in shares that will ultimately turn a profit. Often a stock broker has extensive knowledge with just a few stocks and he concentrates on those. If you decide to invest in a share that a certain stock broker is very well versed in, it might be prudent to have him or her handle your dealings. They can offer the best advice as to when to buy and when to sell.

  There are other avenues available for people interested in stocks and that’s the online stock trading companies. Many of these companies allow anyone to sign up and buy and trade their own shares. This can be a great way for someone to be introduced to the world of stocks and with some research and practice they can make themselves a profit.

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• SandieDekorte363 8:39 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  Simple Ways To Lower Your Income Tax 

  Are you paying too much in income taxes? Are you getting all the credits and deductions you are entitled to? Here are 7 tips to help you minimize taxes and keep more in your pocket:

  1. Participate in company retirement plans. Every dollar you contribute will reduce your taxable income and thus your income taxes. Similarly, enroll in your company’s flexible spending account. You can set aside money for medical expenses and day care expenses. This money is “use it or lose it” so make sure you estimate well!

  2. Make sure you pay in enough taxes to avoid penalties. Uncle Sam charges interest and penalties if you don’t pay in at least 90% of your current year taxes or 100% of last year’s tax liability.

  3. Buy a house. The mortgage interest and real estate taxes are deductible, and may allow you to itemize other deductions such as property taxes and charitable donations.

  4. Keep your house for at least two years. One of the best tax breaks available today is the home sale exclusion, which allows you to exclude up to $250,000 ($500,000 for joint filers) of profit on the sale of your home from your income. However, you must have owned and lived in your home for at least two years to qualify for the exclusion.

  5. Time your investment sales. If your income is higher than expected, sell some of your losers to reduce taxable income. If you will be selling a mutual fund, sell before the year-end distributions to avoid taxes on the upcoming dividend or capital gain. Also, you should allocate tax efficient investments to your taxable accounts and non-efficient investments to your retirement accounts, to reduce the tax you pay on interest, dividends and capital gains.

  6. If you’re retired, plan your retirement plan distributions carefully. If a retirement plan distribution will push you into a higher tax bracket, consider taking money out of taxable investments to keep you in the lower tax bracket. Also, pay attention to the 59-1/2 age limit. Withdrawals taken before this age can result in penalties in addition to income taxes.

  7. Bunch your expenses. Certain expenses must exceed a minimum before you can deduct them (medical expenses must exceed 7.5% of your adjusted gross income and miscellaneous expenses such as tax preparation fees must exceed 2% of your AGI). In order to deduct these expenses, you may need to bunch these types of expenses into a single year to get above the minimum. To achieve this, you might prepay medical and miscellaneous expenses on December 31 to get above the minimum amount.

  The most important thing is to be aware of the tax deductions and credits that apply to you and to plan for taxable events. And don’t be afraid to ask for help. The benefits from consulting an experienced tax professional far outweigh the cost to hire that professional.

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• SandieDekorte363 8:33 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  How Your Bookeeper Can Save You Money On Your Taxes 

  Standard monthly expenses for your Business are transferred from you to your Tax Professional to be put on your Schedule C. No problem, most people get this part right. It’s the thousands of dollars in miscellaneous receipts that many people forget when under the haze of tax season. These miscellaneous expenditures can save a small business owner hundreds if not thousands of dollars in tax liabilities. Examples:

  1. Advertising Cost – The standard deductions are always there, Newspaper Ads, Business Cards, Outside Signs, Yellow Page Ad….. But what about the one time cost for the Search Engine submission $450, or the renewal of your three domain names at $8.95 per name, and the special pay per click campaign of $720.00 Total $1196.85

  2. And what about the little gifts you purchased for clients that had referred new clients to you? $25.00 each, 10 gifts. Total $300.00

  3. Shipping cost, of yes, remember those 3 rush jobs when you shipped documents to the clients using Fed Ex? You don’t know where the receipts are, however, it was $17.50 each time. $17.50 x 3 = 52.50

  4. Oh yes, what about that time you rented the carpet cleaning machine to clean the office carpet? It was cheaper then calling a professional carpet cleaning service or so you thought! $55.00

  5. And don’t forget that your spouse’s boss’s son was selling that Pre-Paid Legal Service that cost $19.95 per month. It is to be used 100% for Business. Ya, I guess! OK, $19.95 x 12 = $239.40

  6. Remember that time when the kids at the bus stop broke the office window throwing the football back and forth. You were so upset that you accidentally locked your keys in the office. $180.00 window replacement and $85.00 for a Mobile Locksmith. $180 + 85.00 = $265.00

  7. Now, was there anything else besides paying your niece $25.00 a month to pick up the trash around the office building? $25.00 x 12 = $300.00

  8. Yes, the Christmas party for the clients. $1500 for the caterer, $480 for the wine, $230 for the flowers and decorations and $350 for the Entertainment. Total $2780.00

  The total amount of legal tax deductions listed above is over $5,000.00. Can you afford to loose $5000 worth of deductions?

  When you arrived at the Tax office, you forgot about most of the above deductions…no problem, because you had a GOOD Bookkeeper, and each month you fax your receipts, credit card statements and check book register to her. Her Bookkeeping Service provided Monthly reports as well as an Annual Report of your expenditures to your Tax Person. You had nothing to worry about!

  Oh, that’s not how it happened?

  As it turns out many small business owners do not keep up with ALL expenditures each month. As a result hundreds of dollars and in some cases thousands of dollars worth of legal tax deductions are loss.

  Maintaining recording and even faxing or delivering your receipts to your bookkeeper is a habit that can be developed. It is a habit that can reduce your tax liability tremendously.

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• SandieDekorte363 8:28 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  How You Can Find Good Debt Counseling Services 

  For the debtor who is already at the end of his rope and trying to figure out how to get out of debt, the last thing he needs to worry about is whether the debt counselor he has chosen to help him is going to make his problems worse. He needs to be assured that he is not making a mistake by choosing debt counseling over bankruptcy or working out a settlement with the creditors.

  The first thing one should do to gain some certainty that the debt counselor they are planning to choose is reputable is to check with the Better Business Bureau. Of course, this isn’t a guarantee since they only have on file information from people who have filed complaints, so if it’s a new company or one who has had no complaints filed against it, you really aren’t going to know. Nonetheless, this is the best tool you have, and you should utilize it to the greatest degree possible.

  Another way to find out the reputation of a debt counseling service is through word of mouth. If the company is reputable, they will not mind providing you with information about other clients. Of course you want to be sure that they are not giving out false or unsolicited information. If they are really reputable, they will likely have something on their application allowing them to release information to other potential clients.

  If it’s a local company, perhaps you even know people who have utilized their services. If they are not willing to give you references you can check, then you’re much better off to move forward to someone who is willing to cooperate with you. In most, though not all, cases, refusal to provide references means there is something they are trying to hide, and this is not the kind of person with whom you want to do business.

  The Internet is a wonderful place to search for information on various subjects, and if there is a company of questionable reputation, there is more than likely a forum that has been set up to complain about this company. Strange as it may seem, people on the Internet actually set up websites, forums, and groups on Yahoo and MSN to do nothing more than complain about companies they feel have treated them unfairly.

  Utilize all the tools that are at your disposal, and if it’s a local company, be sure you check with all of the local agencies including the Attorney General’s Office who would know of any illegal activity that has been reported. If you have come this far, you do not have the funds to be taken for a ride, so you want to be very careful to whom you give your money. It’s not going to help your situation if the person you choose doesn’t do the job they promise to do, and you can’t even collect damages in court if they ultimately close down their operation.

  Choose a company who has been in business long enough to have a record of clientele, and choose one you feel is looking out for your best interests and not just wanting to take your money. Choose a debt counselor as carefully as you would choose a babysitter for your newborn baby.

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• SandieDekorte363 8:21 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  Could You Buy A House After Facing Bankruptcy? 

  Nowadays, people file for bankruptcy for a number of reasons. Some unexpected medical bills, the loss of a job or perhaps overwhelming debt can be some of the reasons for one to file for bankruptcy. One may then start thinking if it is possible to buy a home after bankruptcy. And the answer is in the affirmative. There are many mortgage companies and online lenders out there who offer home loans for even those who have bankruptcy on their credit report.

  You will then have to rebuild your credit once your bankruptcy is discharged. You can do this by opening a credit card account to which you will have to make regular payments. Another alternative is to save for a considerable down payment as the larger the cash reserve is, the better the rates you will get! Check on your credit report to make sure that all accounts linked with your bankruptcy are closed.

  Make sure that the payment history information is right too as the difference in one late payment can greatly increase your interest rates by a percent or more. Once you improve your credit score through the repayment of the home loan, you can easily take out an equity loan on the home to consolidate any other debt you have since your bankruptcy or to use the extra cash on some business venture.

  Before you actually start looking for the right house loan, it is better to look at your budget. Decide how much you can afford as a loan, how much you can make as a down payment, and the monthly payments you can make. With this information, you can decide how much loan to apply for, and the type of financing to opt for.

  However, if you intend to live in that house for more than seven years, it is better to find a fixed rate mortgage as it saves money; in the long term. To get an idea of the type of loan to get, you could use a mortgage calculator for estimations.

  Once you have an idea of the type of loan you need, you should start investigating the various financing companies. Lenders have little to lose when approving home loans after bankruptcy as the lender feels confident when your home serves as collateral for the loan. There are some lenders who need a certain amount of time to pass before approving for the loan. However, there are also lenders out there who will approve your loan even a day after the bankruptcy has been discharged.

  Request free quotes and then investigate their rates. To get these quotes, you need only to furnish basic information, with no need of showing your credit card. This way your credit score is not affected. Once you get all the quotes, compare the APR for the real cost of the loan. It is no point just looking at the interest rates, as they are rather misleading.

  Ask if there are any; fees related to the loan as if you plan in refinancing your home, you may have to pay thousands as fees. However, these fees can be negotiated.

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• SandieDekorte363 8:15 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  Get Rid Of Your Debt With Just $10! 

  Ask a friend what resolutions they made for the new year and your bound to hear them reply “Pay off my credit cards.” Ask them how they planned on reaching that goal and many of them will not have a clear cut answer.

  The obvious first step to paying off credit card debt or paying down credit debt load is to cut back or eliminate the use of your credit cards. For some people this first step can often be the most difficult. If you’re used to spending freely with plastic and worrying about the consequences later, it’s difficult to break free from this “buy now, pay later” attitude.

  To gain control of their careless credit card spending habits, some people cut up their credit cards therefore making it impossible to use them. Others lock up their credit cards or hide them in a safe place and vow to use them only in an emergency.

  The second step to paying down credit debt is to pay more than the minimum balance due. Most credit card companies require a minimum monthly payment of 2.5% of the outstanding balance. For example, if you have an outstanding balance of $1100.00 on a credit card charging an Annual Percentage Rate (APR) of 18.9% your minimum monthly payment would be $27.50. It will take you 66 months or 5.5 years to pay off your balance of $1100.00 making the minimum payments. The credit card company will make $676.94 in interest from your use of their credit card.

  Monthly payments are purposely kept low by the credit card companies so that they can earn as much as possible from the interest rate charged to you the consumer. Paying just the minimum payment will keep you tangled in credit’s web for years and years to come.

  If you’ve been paying only the minimum due month after month, ask yourself this question, “Do I have an extra $10.00 I could apply to this month’s payment?” I’m sure that most of us could find some way to come up with an extra $10.00 for the month. Try cutting out a few cups of coffee or lunches at your nearby fast food outlets and in no time flat you’ll have saved up the extra money that you need.

  Now, it’s time to unveil “The Simple $10.00 Debt Elimination Solution.” Take that extra $10.00 and add it to the minimum monthly payment above, therefore making a payment of $37.50. By adding just that $10.00 a month to your minimum payment, you’ll trim 23 months or nearly two years off of that credit debt! On top of that you’ll save $277.00 in interest alone! That’s money you can put toward savings or paying off other debts. Imagine how much you’d be able to save if you applied this same simple strategy to each of your other credit card debts!

  Paying down credit debt doesn’t always mean having to make huge monthly payments or sacrifices. It just takes some basic planning and a simple effective strategy to make it work.

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• SandieDekorte363 8:09 pm on March 14, 2013 Permalink
  Tags: Accounting ( 585 ), Banking ( 184 ), business ( 10,907 ), credit, Finance ( 1,772 ), income ( 39 ), money ( 1,108 ), Taxes ( 545 )   

  How To Get Into The Fabled 1% Through The Stock Market 

  I was watching Oprah the other night. She was covering the reality of the crappy lie called the American Dream that says just work hard and everything will be Peachey keen in the land of the free and the home of the brave. She pointed out that 1% of the U.S. population now control 40% of the all American wealth. If you are not born into that 1% today, she pointed out, then it is much harder today to work your way into it. You have to work a lot more hours for a lot less pay and your extra hours are just making the 1% richer. Meanwhile if you have the right connections – especially if you are able to enter that special band of thieves called corporate insiders and play your corporate politics right – then you are instantly propelled to the top. Today with our hideously corrupt corporate governance system supported by divisions of corporate attorneys serving insiders and paid by unwitting public Joe shareholders membership pops you right into Oprah’s 1%.

  So what can you do if you weren’t born into the Johnson & Johnson family and don’t have a “richer than God” old money American dream trust fund? The answer is you have to learn to buy very low and sell very high like the robber barons did in the 1800s. I know times are tough on the American middle class but there are ways for you to get ahead. First of all you have to stop chasing pipe dreams. Ignore the get rich schemes like multilevel marketing, derivatives, and real estate short selling junk people will bring your way – all endorsed by some major public figure that make the con artist at the top rich to suck you in.

  Learn to take your financial future in your own to hands and make the market pay you. How do you do this? Well, first you have to stop thinking like a cow. Most people in the public make all of their opinions based on what the group has decided is right. You have to stop doing this and take the attitude that the public as a group is a pretty stupid mass of livestock heading up the cattle chute into the inside corporate executives financial slaughter house. Right now the chute is closed because the stock market has recently crashed making stocks cheap -insiders are loading up while the media is strangely bereft of “stock market rags to riches dreams” it hyped up to suck people in to the market in 2000 when insiders were dumping on the public.

  Learn to get really excited about the market when everyone hates it. Right now the stock market has crashed and you don’t hear any good news out there. Ever wonder why? The big forces behind Wall Street, the secret buying consortiums, the inside corporate executives, and the experienced individual investors who are smart enough to know to buy, buy, buy when stock prices are extremely low and the Wall Street media machine is strangely quiet. There are a lot of really good companies out there at extremely low prices ripe for you to buy, buy, buy!!!

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