Even Less Reason in 2010 to Withdraw From Your Tax-Deferred Accounts

During your retirement, you’re often advised to live off your taxable accounts first before using your tax-deferred accounts. That’s because withdrawing from your tax-deferred accounts will tax you more whereas keeping them untouched allows them to grow faster than your taxable accounts.

This article clarifies the assumptions in this advice and explains why there’s even less reason to tap those deferred accounts in 2010.

This advice assumes you have significant savings in both taxable accounts and tax-deferred accounts so that you can choose which type you wish to withdraw from. Otherwise, you can forget it. If you’ve got most everything in tax-deferred account, then you ought to leave the little you have in taxable accounts for emergency cash.

Tax-deferred accounts are those government-regulated retirement savings accounts that you get a deduction for contributing to (which gives them a ‘zero’ tax basis), grow tax-deferred, but have their withdrawals subject to your income tax rate – a potentially high tax bracket rate. Your IRA and 401(k) plans are examples.

Taxable accounts are really everything else. You contributed to them with after-tax money which gives them a tax basis. Those types of investments that earn interest or dividends are taxed yearly; those investments you sell (like stocks, or property) will be subject to a capital gains tax – but only in the year you sell them.

The investments you can hold in both types of accounts – taxable or tax-deferred – can generally be the same. But all types of investments are taxed the same under tax-deferred accounts while different types of investments have different taxation rates under taxable accounts.

Since taxable accounts have a basis which is never taxed when withdrawn, and the fact that tax rates on qualified dividends and long term capital gains are generally low – like 0%, 10%, 15% (depending on your income tax bracket), you’ll lose less in taxes when you withdraw money from taxable accounts.

Generally, though, you must make at least minimum required distributions (RMDs) from your tax-deferred accounts after you’ve turned 701/2. But you could choose to withdraw only the RMD and no more to maintain the conventional advice from above.

Are there any reasons to tap your tax-deferred accounts first?

One reason given for tapping your tax-deferred accounts more than the RMD for your living expense – when you have the choice to do otherwise – is for minimizing tax liabilities for your beneficiaries. Here are two reasons supporting this view.

First, your beneficiaries that receive your tax-deferred accounts will be subject to making at least RMDs for their remaining life expectancy at your death. Those RMDs or any more money withdrawn each year will be taxed at your beneficiary’s highest tax bracket rate since he’ll probably have a working income too. So, if you use much or all of your tax-deferred funds before you die, then you’re leaving less tax liability for him since your remaining taxable accounts (with their tax basis and lower taxation rates) hold less tax liability to him.

Coupled with this, is the second reason. And that’s that in the past, beneficiaries of your taxable accounts – such as your stocks and other investments like a house – have received a stepped-up basis to their fair market values at the date of your death. This often eliminated large potential capital gains -due to the deceased relatively low bases compared to fair market values – that would be taxed when the beneficiary sold such investments. So, leaving your beneficiaries a lot of taxable accounts allows the stepped-up basis to eliminate much of their tax liability for capital gains taxes when they sell them.

But now there are less reasons in 2010

Unfortunately, the stepped-up basis of a deceased’s estate investments is eliminated for those dying in 2010. That pretty much eliminates the second reason for preferentially tapping tax-deferred account first.

The first reason is a little weak too, since young beneficiaries have such small RMDs that their inherited tax-deferred account may still increase faster than RMDs can deplete them for many years. Then they’ll be taxed less when those beneficiaries start their retirement.

Hopefully, the stepped-up basis will be back for those dying in 2011 or later if federal legislators hurry up and come up a reasonable estate tax scheme for future years. Just figuring out what the basis is for many of the holdings of elderly people can be quite a challenge. Assigning them a stepped-up basis to fair market value at their death makes things a lot easier – not to mention a good tax break for their beneficiaries.

A Home Business Can Give You Tremendous Tax Savings

A Home Business Can Give You Tremendous Tax Savings


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Home Page > Business > Home Business > A Home Business Can Give You Tremendous Tax Savings

A Home Business Can Give You Tremendous Tax Savings

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A Home Business Can Give You Tremendous Tax Savings

By: Maryjean Howe

About the Author

Tax saving is one of many things that home business owners can enjoy as a result of their decision to have a business at home.
Maryjean Howe is a professional internet marketer and business coach based out of Oceanside, CA. She works with people to help them start a business and continues to help them use training materials to effectively run a successful business. Maryjean has worked with people from all different backgrounds to help them start a business without any experience. For more information, contact Maryjean.

(ArticlesBase SC #1619630)

Article Source: http://www.articlesbase.com/A Home Business Can Give You Tremendous Tax Savings





One of the main benefits for having a home business is that it allows almost everyone an opportunity to be their own boss without spending a lot of money on setting up a business. The other advantages that are obvious to most home business owners are flexibility of time, reduced running costs, and convenience. However, there is another big advantage about which most home business owners have only a vague idea. They are not aware of the huge potential of home business tax savings that they can get from their business.

Here are some of the tips to make sure that you are not deprived of tremendous home business tax savings

Make sure you qualify: A lot of people may assume that since they work from home they qualify as a home business. However, it is important for you to know the rules that apply to your area about the qualification of a business as a home business. You would not want to be caught off-guard. Make sure that a room in your home is exclusively used for your business only and not for other activities as well. Do this by ensuring that you have a separate work space that can be designated as your home office. If you are not sure about anything, consult a tax professional.
Keep track of all expenditures: It is very common for a home business owner to get engrossed in the day-to-day activities of running a business and lose important bills, receipts and other proof of expenditure that is related to the business. A lot of home businesses end up paying much more tax than they really should because they did not document all the financial records. The best strategy is to file them as soon as you receive them. This will help you maximize your home business tax savings.
Know expenses that qualify for deduction: It is amazing that many business owners who have been running their home office for years have very little idea about what expenses qualify for tax deduction and help in home business tax savings. All expenses that qualify as “Ordinary and necessary” can be deducted from your tax. Ordinary expenses refer to all expenses that a home business similar to yours will incur and there is nothing unusual about it. Necessary expenses refer to any money without which you will not be able to run your home business.

For your convenience, here is a list of expenditures that are usually deductible: 

  Marketing and advertising costs
Accounting and bookkeeping costs
Business transportation expenses
Costs associated with business conferences
Business credit card expenses
Depreciation charged on business furniture, vehicle and equipments
Business training and seminar costs
Computer and other equipment purchase
Furniture costs
Expenses related to home office
Insurance
Interest on business loans
Legal fees
Repairs and maintenance of office equipment
Office stationary and supplies
Internet, and other web related services fees
Postage and mailing expenses
Business telephone expenses
Utilities like electricity
Employee wages

4.  Consult a tax professional: Often home business owners tend to ignore this and decide to go on their own, most of the time, to save costs. However, if you have a friend or a family member who is a tax professional, it is a great opportunity to take advice about how to enhance your home business tax savings. Also, if you have no acquaintances, it will be worth your investment to hire a reliable tax professional who can help you save a lot of money by guiding you on how to increase your home business tax savings.

For more information, go to MaryjeanAHowe.com.

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Maryjean Howe -
About the Author:

Tax saving is one of many things that home business owners can enjoy as a result of their decision to have a business at home.
Maryjean Howe is a professional internet marketer and business coach based out of Oceanside, CA. She works with people to help them start a business and continues to help them use training materials to effectively run a successful business. Maryjean has worked with people from all different backgrounds to help them start a business without any experience. For more information, contact Maryjean.

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Tax saving is one of many things that home business owners can enjoy as a result of their decision to have a business at home.
Maryjean Howe is a professional internet marketer and business coach based out of Oceanside, CA. She works with people to help them start a business and continues to help them use training materials to effectively run a successful business. Maryjean has worked with people from all different backgrounds to help them start a business without any experience. For more information, contact Maryjean.


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Accounting 101: An Introduction to the Field

Accounting is one of the most important internal aspects to any business that is to be financially successful in today’s market. It is the process of documenting all relevant economic information about a firm and communicating that information to key players. Managers and Executives need accounting information to make decisions and run their business to achieve maximum profitability. Shareholders need accounting information to make informed investments.

There are many types of accounting that all have different roles in the business world. Probably the best-known and most ‘classic’ type of accountant is a CPA, or Certified Public Accountant. A CPA has a very diverse client list. They can serve anyone including individuals, private firms, large publicly traded corporations, the government, or non-profit organizations. They can perform the role of an independent auditor, tax advisor, or financial consultant.

When performing an audit, a CPA will produce an independent auditor’s report that will tell the client four key pieces of information. First it identifies the documents that were audited and describes that the purpose of this report is to express an opinion about the documents in questions. Next it explains the standards used to analyze the data. Third is the actual opinion of the auditor in regards to the financial documents reviewed. Finally, the auditor elaborates on his opinion regarding the effectiveness of the financial reporting of the firm.

Another type of accountant is a CMA, or Certified Management Accountant. A CMA serves a smaller customer base, because they typically work for a single firm. The major role is to advise the company on their financial management, accounting processes, and budgetary issues. A CMA may work with individual employees of that company, but their main function is to advise the executives on the company’s complete financial structure. They are often involved in major decisions for the company.

A subset of managerial accounting is cost accounting. A cost accountant works closely with the budget structure of a company. They are typically involved with determining the internal costs of many functions and the profitability of the routine company operations.  Cost accountants have a very future-oriented job in that they are primarily concerned with using historical data to forecast what the prospective financial strength of the company will be.

A third major type of accounting is a financial accounting. Financial accountants are primarily responsible for the preparations of the financial documents for review by the corporate decision makers. Managerial accountants, cost accountants, top management, and shareholders use these documents to make major business decisions. Financial accountants assemble an annual report including balance sheets, income statement, statement of cash flows, and statement of change in owners’ equity (or retained earnings). These documents are usually targeted to an external audience.

Financial statements are vital to the success of any profitable business. Their purpose is to formally record all financial activities of the company or individual.  These statements summarize in a standard format the financial status of the company in both the short term and the long term. There are four main types of financial statements.

First, the balance sheet summarizes the company’s total assets, liabilities and owners’ equity at a given point in time. This report is also known as the statement of financial position. The balance sheet is used at the beginning of year as a starting point. At the end of the year a new balance sheet will conclude the fiscal cycle. The other financial statements that will be discussed are used to fill in the gap, because a lot can happen in a year.

The income statement summarizes the revenue and expenses for the year and highlights if the company operated at a profit or at a loss. It is in this report that the total gross income is defined as well as all of the expenses that were incurred along the way. The top line of the statement is net sales and the bottom line is net income.

The statement of change in owners’ equity, or statement of change in retained earnings also analyzes data over a time period. Typically this is over a fiscal year. The two major components of owners’ equity are paid-in capital, or cash investments, and retained earnings, or the net income less dividends. If retained earnings are negative because dividends have exceeded net income, this is considered a deficit.

The final major financial statement commonly used by shareholders is the statement of cash flows. The purpose of this report is to follow the company’s cash activities during the year. This is mainly concerned with cash transactions pertaining to operating, investing, and other financial activities.

Shareholders use the four major financial statements to make investment decisions and to see what the company is doing with their money. Executives and top management use statements to make internal budgetary decisions and forecast out for the future success of the business. There are many components that go into the financial reporting for a company, and all information is vital to its continued financial health.

Small Business Financial & Accounting (f&a) Offshore Outsourcing Cost

Fortune 500 companies have been off shoring the financial and accounting business processes (BPO) to countries like India, Philippians, China, etc. These companies have big budgets and a big team of consultants who analyzes the total cost and ROI of sending their financial and accounting work to the service providers in offshore locations. Though smaller companies have started off shoring their financial and accounting work to offshore locations but like big corporations small businesses do not have huge budget to hire consultants to identify the total cost of off shoring their financial and accounting work to offshore locations. But small businesses can still perform their due diligence in calculating total cost of their offshore engagement and gain critical knowledge in finding ROI of sending their financial and accounting work to offshore locations. In this report we will go through all of the hidden costs of offshoring financial and accounting business processes.

1. Different Costs of Offshoring Financial & Accounting Work

Small businesses mainly consider offshoring their work, they will consider only the hourly rate they need to pay to the offshore vendor for various accounting works like bookkeeping, accounts payable, accounts receivable, etc. There are several other additional hidden costs small business have to face in their offshore outsourcing engagement. Typically a small business goes through following offshore accounting work cycle in their offshore engagement:

• Selecting an offshore accounting vendor

• Sending the work to the offshore vendor

• Answering questions for the offshore vendor

• Receiving the finished work from the offshore vendor

• Verifying the finished work from the offshore vendor

• Monitoring the quality of the finished work from the offshore vendor

2. Cost of Selecting offshore accounting vendor

The cost associated with selecting an offshore accounting vendor will be small compared to other costs. Most of the time small businesses can find a qualified offshore accounting vendor simply by searching in Google or by contacting other small businesses those who are already using an offshore vendor, for detailed discussion on this topic read Offshore Accounting Success. This cost is the one time cost and it will be similar to selecting an onshore vendor.

3. Cost of sending the work to an offshore vendor

Small businesses must consider various types of cost like Scanner, High speed Internet, Backup Server, etc, to send their financial and account documents to an offshore vendor, but the good news is that it will be a one time investment and most of the small businesses will have these in place already. There are three different offshore accounting models you can use to send your accounting and financial work to the offshore vendors and for these you will incur following one time cost.

3.1. Scanner & Scanning software

Most of the accounting and financial data will be in your accounting software like QuickBooks, Peachtree etc, but there will be other documents like Bills, Checks, Invoices, Goods received notes, etc will be on paper and these should be digitized using a scanner and a scanning software to convert it into PDF documents which will be stored in your computer. Once the documents are in your computer then you can give access to the offshore vendor to view the PDF documents or they can retrieve it from your computer to perform their work in the offshore location.

Most of small businesses already have a scanner, if not a scanner (scanning software comes with the scanner) can be purchased for less than 00.00. The cost of the scanner will go up based on the volume of accounting and financial documents to be scanned in a given day. It will be a one time cost for the small business and also by scanning all their paper based accounting documents; you can improve the efficiency of overall accounting process.

3.2. High speed Internet Connection Cost

You need to have high-speed Internet connection to send and receive the work to and from offshore location. Again all most all small businesses already have DSL/T1 Internet connection if not they can get a DSL Internet connection for -100/month.

3.3. Secure FTP software

If small businesses are using Application Service Provider (ASP) like Quickbooks online, cpaasp.com, etc, then it is possible for offshore vendors to directly access your accounting data directly from the ASP vendor. In this case there is no need to use secure FTP software.

3.4. Backup Server

Once small businesses start digitizing their accounting documents for their offshore vendors, they need to start planning for the backup server to backup all their accounting documents. Most of the small businesses will have this feature already, if not it is a good investment to have a backup server to backup all their accounting and financial data from their main computer to the backup server. For any business “Business continuity” is a vital task and the backup server will help the small businesses to recover all the accounting data in case of main computer failure.

3.5. Additional Accounting software License cost

Small businesses use various accounting software packages like QuickBooks, MYOB, Microsoft Office Accounting etc, for doing all their accounting and financial work. When they offshore the work the offshore vendor will use the same accounting software to do the work. It is very difficult for the small businesses to find an offshore vendor who already owns the licenses for all the accounting software. As described in the offshore accounting models if small businesses decides to use Remote Server or ASP then there is no additional cost for small businesses. On the other hand if the small businesses decided to use Secure File Transfer then small businesses needs to buy additional accounting software license for the offshore vendor to use. Small businesses will incur this cost even if they outsource the work to onshore vendors. This cost is truly soley based on the accounting software package used by the small businesses. Accounting software packages comes with various flavors types of software licenses like concurrent users, fixed number of users, CPU based, Network based etc., Some times small businesses can completely avoid this cost altogether.

4. Managing Financial & Accounting offshore vendor

Once you send your accounting and financial work to the offshore vendor, you need to constantly mange and monitor the quality of finished work that comes back from the vendor. Initially you may need a full-time person educating the offshore accountants and bookkeepers about your accounting process and preparing proper instructions for them to follow in their work. Once you and the offshore team are comfortable in the working relationship then all you need is to verify the work periodically. Basically you need to consider the offshore team as your virtual team and educate them in your accounting processes and procedures, once you are comfortable with their work your own employee(s) will spend less time with the offshore vendors.

5. Offshore vendor wage

For the accounting and financial work performed by the offshore vendor, small businesses will pay either an hourly rate or a monthly rate to the offshore vendor. This will be the actual direct cost small businesses will pay to the offshore vendor and all other costs are indirect cost of sending the work to offshore vendor. Typically the wage cost will be 50-70% less than the cost paid to the onshore accounting and financial vendor. For small businesses this cost savings is one of the major reasons to use the offshore vendor for their financial and accounting work.

Small businesses need to consider several costs in their financial and accounting offshore engagement. As shown in the table Small business F&A offshore outsourcing – Fixed Cost Vs Monthly Cost some of the costs are fixed and some of them are monthly expanses incurred by the small businesses. Among the monthly cost only the offshore vendor wage is the direct cost paid to the offshore vendor. While performing ROI analysis small businesses must consider all these costs to find the Total Cost of doing business with offshore vendors. As shown in the table, for certain items finding out the exact cost may not be possible and it is highly based on the individual small businesses and the type of accounting and financial work that has been sent to offshore locations. The total cost may not be a fixed amount and it can change from month to month. For example in some months there will be more questions from the offshore vendor in clarifications and in other months there will be less questions, this cost will vary from month to month.

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Home Page > Finance > Prepaid Debit Card Basics

Prepaid Debit Card Basics

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Prepaid Debit Card Basics

By: Darewin Ocampo

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2-GetCash

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Debit card use has exceeded credit card use far earlier than expected and the debit card is now the king of the electronic payment mountain. The success of the debit card is attributed primarily to the fact that it can offer anything the credit card can offer, but with far lower costs. In addition, debit cards are relatively easy to obtain and almost anyone can afford them.

There are several kinds of debit cards, and the best of these is the prepaid debit card. The prepaid debit card may therefore be considered the king of kings of the electronic payment mountain. The prepaid debit card is the best tool to afford during these tough times brought about by the perilous global financial crisis. To help people maximize the great potentials of the prepaid debit card its basics are explained below.

Introduction to Prepaid Debit Cards

Prepaid debit cards in terms of appearance are just the same as ordinary debit cards and credit cards. Prepaid debit cards in much the same way, can also be used to withdraw cash and purchase products and services. The real difference is the source of the money spent on the debit card transactions. In case of credit cards, the money spent is not yours but is lent to you by the credit card provider, which of course you’ll have to pay at a later date with interest, thus may cause amassing debts. Ordinary debit cards use the cardholders own money deposited in his debit card bank account, but still, overdrafts may occur which cause costly charges. With prepaid debit cards, there is a preloaded amount on the card and you can only spend up to the balance of the card, therefore providing no chances of going into debt or incurring expenses due to overdrafts.

The prepaid debit card upon receipt may or may not have money already credited in it. Along with it will come a PIN code which you should change immediately to one which your can easily remember. You money can be loaded onto a prepaid debit card by cash at a bank, post office, at Payzone or PayPoint terminals or via a bank transfer. With enough credits, the prepaid debit card can then be used for purchases and withdrawals from ATMs.

Main Advantages of Prepaid Debit Cards

Availability – there are generally no credit check or screening procedures conducted on prepaid debit card applicants, and thus you can easily get one without having to worry about your credit history. The only test to be done will be the identity check aiming to confirm you are who you claim you are.

Control – you can easily manage your spending with a prepaid debit card as you can plan how much credits you will have transferred to your card, as well as the time of transfers. You can also get a full breakdown of the card spending so you can trace what was purchased, from where and when. The breakdown can be used to assess your spending and make necessary adjustments to your budget.

No Risk of Debt – since you are limited to spend only the amount you have put in your prepaid debit card, there is no chance of falling into debt because of spending too much with it.

Great for Travel – a prepaid debit card is great for people going overseas whether for short or long periods as it is more secure than carrying cash and more convenient than using personal checks. It is also good for minors going on offshore field trips as their parents can load the card up anytime.

Prepaid Debit Card Fees

Prepaid debit card providers like all businesses transact for profit, and so there are certain expenses related to prepaid debit cards. The number and range of expenses vary depending on the provider. It is common sense of course to choose a card with fewer and lesser costs but provides greater convenience. Prepaid debit card related expenses may include, but are not limited to the following:

Card Application Fee

Some providers levy an application fee but read the small print as it may be waived if you load more than a certain amount onto the card.

Monthly Service Charge

Check to see if there is a monthly subscription fee, and the related benefits provided in return for this fee.

Customer Call Helpline

Calls to the customer helpline can be expensive so it’s worth noting whether you will be charged at a premium rate, national rate or standard rate. If possible, look for those that have toll free customer service hotlines.

Credit Card/Cash Loading Fee

Some providers charge you every time you put money onto the card.

Deposit fee

Even if your card provider doesn’t charge you for making a top-up, if you put money onto the card in a bank, the bank may charge for the service. If such a fee applies use an alternative way of loading up your card – if there isn’t a convenient alternative it’s probably worth considering a card from a different provider.

ATM Withdrawal Fee

Some prepaid cards are treated like credit rather than debit cards when it comes to making cash withdrawals. If you will be charged a fee for withdrawing money from an ATM it is advisable not to use the card for this purpose. And even if you are not charged for making withdrawals in the UK, check what the rule is for foreign transactions as you may be charged if you withdraw money from a cash machine abroad.

Purchases and internet transaction

Is there a charge when you purchase goods on your card and do these vary for online transactions? Again, as with withdrawal fees, these costs may be higher if the transaction is made overseas.

Account Termination Fee

Determine if there is a charge for termination of your prepaid debit card.

Card Replacement Cost

One of the attractions of prepaid cards is the security they offer, but if you lose your card or have it stolen, some providers will charge for a replacement.

Card Renewal

Like a credit or debit card, a prepaid card will have an expiry date so check to see if you will be charged for a renewal.

Inactivity Fee

Some firms charge a small sum if the card is not used for a defined period of time.

Hide your money in your very own offshore bank account now and keep track of it using your prepaid debit card and prepaid SIM card. Get the 2-GetCash prepaid debit card now that comes with a virtual private offshore bank account and a SIM card. The SIM card not only offers 400 free call minutes but also allows access to your very own voice over internet protocol account that allows international calls at very low prices. This is the most affordable prepaid debit card you can possibly find. It has no periodic or per transaction charges. You need to pay only during the card purchase.

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2 Basic Methods Of Accounting

When you’re working in accounting, there are two basic methods. You have your cash basis and accrual basis. Whichever methods you choose will depends on your type of business.

Cash basis is the simpler method. It is mainly use by service businesses that do not maintain inventory or startup businesses that do not offer credit. The accrual method is used by businesses that provide for credit sales or maintain an inventory.

In cash basis accounting, your record sales when cash is received and expenses when they are actually paid. Using the cash basis method is like maintaining a checkbook. Under this method, account receivable are not recorded as sales until they are collected. Account payable are not recorded as expenses until the account is paid.

Bad dept, accruals and deferrals are not appropriately recorded under cash basis because they are examples of outstanding credit or business notes. The cash basis method is not appropriate for businesses that extend credit.

In accrual basis accounting, you report income and expenses as they are earned or incurred rather than when they are collected or paid. Record credit sales as accounts receivable that have not yet been collected. The accrual basis also provides a method for recording expenditures paid in a single installment but covering more than one period. For example, interest may be paid semi-annually or annually, but it is recorded on a monthly basis.

The accrual method satisfies the matching concept, i.e., matching income with related expenditures. Consequently, it can provide a clear and accurate view of business operations for a given period.

Pathfinder Business Strategies Offers Timely Tax Saving Strategies To Survive The Impending Economic Downturn

Pathfinder Business Strategies Offers Timely Tax Saving Strategies To Survive The Impending Economic Downturn


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Home Page > Finance > Pathfinder Business Strategies Offers Timely Tax Saving Strategies To Survive The Impending Economic Downturn

Pathfinder Business Strategies Offers Timely Tax Saving Strategies To Survive The Impending Economic Downturn

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Pathfinder Business Strategies Offers Timely Tax Saving Strategies To Survive The Impending Economic Downturn

By: Drew Miles

About the Author

I have spent years studying the tax code looking for ways to help people lower their tax bill and keep more of what they earn. Drew Miles Find Out More: http://www.taxsavingconcepts.com

(ArticlesBase SC #520601)

Article Source: http://www.articlesbase.com/Pathfinder Business Strategies Offers Timely Tax Saving Strategies To Survive The Impending Economic Downturn





Pathfinder Business Strategies, LLC a privately held company which advises corporations, consumers & small to mid size companies on asset protection, tax savings & wealth building strategies is urging all Americans to structure their finances properly to save as much money as possible on their taxes, and to prepare for the economic uncertainty facing the country.

Pathfinder, which is located in Sebastian Florida, is run by Drew Miles, a former attorney who after practicing law for thirteen years realized that most of his clients were unprepared financially for any sort of drastic economic downturn. “When the economy takes a turn for a worse, everyone starts tightening their belts,” said Mr. Miles. “But one place that is often overlooked is the amount of taxes they pay.”

Pathfinder Business Strategies has advised more than 5,000 small and large businesses, as well as individuals how to arrange their assets and income to pay the absolute legal minimum in taxes. “We have found that the wealthiest people in the country are paying as little as 5% of their income in taxes, while the average person is paying upwards of 30-50% of their income in taxes.” Drew Miles advises that the best way to prepare for a rocky economic future is to make sure that you are keeping all the money that you are legally entitled to.

Those who will be hit hardest by the struggling economy are those who can least afford it. Hard working middle-class Americans will not only feel the lifestyle altering effects of the faltering economy, but are also the ones paying the most in taxes.

The United States’ economic downturn is making headlines across the world. The falling value of the dollar, combined with the sharp decline in the housing market and skyrocketing energy prices has put many Americans in a panic about the future of the economy.

”It’s amazing how I’m going to save, and how much this is going to help me. This year, it looks like I’m going to save ,000 in taxes.” said Joronda Perry, a Pathfinder client and real estate investor from Baltimore, Maryland. “Meaning that half of the income that I usually pay in taxes, I’m going to get to keep.”

In addition to tax savings, Pathfinder Business Strategies advises their clients on how to audit-proof their finances, protect their assets in the event of a lawsuit, and grow their retirement account completely tax-free.

Americans need all the money they can get in order to survive this financial crisis. While many people are turning to business opportunities which can turn out to be scams, Pathfinder Business Strategies offers a way to have more money on hand without having to make any more income.

”It is important for people to realize that Americans are making far more money than they are actually taking home,” said Drew Miles. “A very large percentage of their weekly salary is lost to taxes before they ever cash a check. This money can be recovered and used to pay for rising expenses. When you realize just how much money you are losing right off the top, tax savings is like getting an instant pay raise from the government”.

Pathfinder Business Strategies recently reported an average savings of ten to thirty thousand dollars in tax savings for each client. These savings are not of a one-time nature, but rather continue every year into the foreseeable future.

Retrieved from “http://www.articlesbase.com/finance-articles/pathfinder-business-strategies-offers-timely-tax-saving-strategies-to-survive-the-impending-economic-downturn-520601.html

(ArticlesBase SC #520601)

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I have spent years studying the tax code looking for ways to help people lower their tax bill and keep more of what they earn. Drew Miles Find Out More: http://www.taxsavingconcepts.com

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I have spent years studying the tax code looking for ways to help people lower their tax bill and keep more of what they earn. Drew Miles Find Out More: http://www.taxsavingconcepts.com


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The World Of An Accountant

When it comes to the profession of accountancy, most people think that you just need to be very good with numbers in order to be an accountant. In reality, you would need to undergo and learn a number of things before you can actually qualify to be an accountant.

One of the things that a would-be accountant would need to know is the different accounting areas. Each of this area has their own concepts and theories. These areas are basic accounting or bookkeeping, financial accounting, cost accounting, managerial accounting, auditing, government accounting, and tax accounting.

What makes one area different from the rest?

Basic Accounting is all about the routine functions involved in accounting – recording, classifying, and summarizing. On the other hand, Financial Accounting is involved in the preparation and interpretation of financial statements for the benefit of external users. Cost Accounting is all about the record-keeping, classification and summarization of all finances connected with the production and selling of a product or a service. The presentation of financial and non-financial information is known as Managerial Accounting while the examination and verification of all financial records is under the area of Auditing. Tax Accounting deals with the tax matters affecting business entities while government accounting, which uses fund accounting, is all about the use of public funds. Fund accounting is the same method used in accounting for non profit organizations.

Of all these areas, it is the government accounting, particularly the subsequent Fund Accounting method, which rarely gets public attention. If most of the methods, procedures and areas of Accounting deal with profitability, fund accounting deals with where the money went as opposed to the profit-centered ideals of commercial accounting. This is the reason why, when accounting for non profit organizations, one makes use of Fund Accounting. When one says non profit organization, however, this does not only mean religious groups. This could also include providers of health care services, colleges and universities, and voluntary health and wellness organizations.

As opposed to commercial accounting, accounting for non profit organization entails various net asset classes and different revenue classifications. All expenses are classified as unrestricted and are reported by function. Although these might seem as more complex, in reality, very few entities make use of the fund accounting system.

Financial Accounting and Reporting and Accounting and Bookkeeping Services

Maintaining a comprehensive, accurate, detailed, transparent yet cost effective accounting setup for any business can be quite a challenge. That is where we step in.
We at KNR understand your need for understanding the running of your business transactions and also understand that you need to stay “in the loop”. Our consultants are at your disposal, to guide you and educate you at every step about what needs to be done to keep your business running smoothly. Whether you want assistance in setting up accounting systems for your enterprise or require year end accounting services, we are there to provide the best services for your business.
Accounting Consulting Services
KNR ‘s accounting consulting services are the result of years of experience put to practical use, which have provided impetus to many business ventures. Our team of consultants works dedicatedly to provide you with the best accounting consulting services , inclusive of financial accounting and reporting. We carry out the entire accounting and bookkeeping services that your business requires, depending on your business needs.
Capital being one of the main ingredients of a company’s structure, a company’s success depends highly on its management. Financial accounting and reporting can be a confusing and highly time consuming process. Outsourcing accounting and bookkeeping services will help you in cutting down costs and diverting resources to other objectives.
Financial Accounting and Reporting
Financial accounting and reporting is an important process in the successful running of any business. It mirrors the success or failure of an organization. It is through this tool, that the public, investors, creditors, government agencies, tax agencies and employees come to know of the worth of the business.
Financial accounting and reporting is important both for internal and external users.
Within the company, it becomes a necessity because of the following reasons:
• Basis of formulating budgets
• Required for internal audits
• Is an important source of information for stake holders
• Measuring current performance against past performances
• Means of making amends if any, judging from past experiences
• Gives a clear picture of the financial standing of the business, increasing employee expectations of returns
• Means of providing information to policy makers to create and implement plans
• Aids in determining areas of deficiency, thus helping in cutting costs
For external users too, financial accounting and reporting is of extreme importance:
• Gives a clear picture of the financial standing of the business to potential investors, helping them in deciding whether or not to invest in a particular firm
• Gives adequate information to existing investors about the future of their investments
• The financial statements are the main criteria for creditors to take decisions about extending credit to firms
• Financial statements are a mandatory tool for tax agencies and are required for external audits
KNR accounting consultants are financial experts who understand the minutest details of accounting and carry out the entire accounting process for you. We provide you with accurate and timely accounting consulting services that help you in maintaining financial data most efficiently.
Accounting and Bookkeeping Services
With the aid of expert accounting professionals, KNR provides you accounting and bookkeeping services that help you stay abreast with your standing in the market. With all your financial data available at a snap of your fingers, you’ll be ever ready to make financial decisions without fumbling or worrying about the accuracy of your accounts. KNR provides computerized accounting and bookkeeping services , which enable you to access information in the easiest and quickest manner.
KNR is known for its professionalism and reliability. KNR ‘s accounting consulting services enable you to judge the net worth of your enterprise. Our consultants would give you detailed analysis of your financial status, setting up an accounting system design that is the best fit for your business.
Companies spend hundreds of dollars in setting up account departments for dealing with the preparation of financial reports. Setting up a reliable financial accounting team is not only time consuming, but also expensive. Financial accounting and reporting is carried out by our experienced accounting team, which completes all your accounting needs from start to finish. From making profit and loss accounts, trial balances and balance sheets to carrying out audits, we do it all. KNR consultants carry out the job with perfection, saving you a great deal of money and hours of quality time. Our services enable you to invest your time and money in other aspects of your business, taking a great deal of pressure off you in performing painstaking accounting procedures because our specialized team does that for you in the shortest times span, giving you accurate and prompt results. At any given point in time, you would be able to pull up all information about your assets, liabilities, incomes, expenses, gains and losses. Our consultants would give you detailed reports that you would be able to comprehend completely, affording you a bird’s eye view of your financial structure and standing. Financial statements form the basis of financial decisions. Thus, by providing financial services as and when you want them, KNR allows you to run your business the way you want, at the same time enabling you to keep complete control of your enterprise’s resources.

Virtual Debit and Credit Cards

Virtual Debit and Credit Cards


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Virtual Debit and Credit Cards

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Virtual Debit and Credit Cards

By: Vaibhav Aggarwal

About the Author

Myself Vaibhav Aggarwal webmaster of http://www.epay.vg/ dealing in online money transfer, money transfer services, online payment gateway, virtual debit cards, virtual credit cards, secure money transfer services worldwide with an easy solution.

(ArticlesBase SC #160644)

Article Source: http://www.articlesbase.com/Virtual Debit and Credit Cards





Prepaid virtual debit cards and credit cards are great financial tools to keep you out from bad credit. Below are the reasons why you should definitely consider opting for virtual debit and credit cards.

1. A virtual debit/credit card has to be recharged before you start using them. Hence, you always know of the ceiling, above which you just cannot go. This is a commendable advantage because ordinary credit cards encourage you to spend money you do not have. Falling in this trap is devastating, because nothing is more enticing than false sense of reality.

2. You can control your spending habits with prepaid virtual debit cards. Debit cards directly debits the money from your account, hence you can keep on spending until your entire bank account extinguishes. In case of prepaid virtual debit cards, you need to first recharge your card with a specified amount and then use it. Your debit card is functional as long as there is money left. Hence, your spending is somewhat limited.

3. A prepaid virtual debit card is the best way to pay contractors. You can simply recharge a debit card with the sum that the contractor owes and hand over the card to him. In this way, you not only get rid of personally visiting him to make the payments, but also minimize the risk of making an inappropriate account transfer.

4. The greatest beneficiaries of prepaid virtual debit and credit cards are those who do not have a bank account, or are not qualified for having a bank account. As per current statistics, over 10 million households in the alone in the United States alone do not have bank accounts. For them, prepaid virtual debit cards are the best ways to make online payments through the Internet.

5. Since prepaid virtual debit cards are not associated to any banks, they are easier to apply. You need not provide employment verification, credit checks, or security deposit of any kind. Even if you have a bad credit, you can have a virtual debit card. Interestingly, some prepaid debit cards have in-built credit reporting features, which you can use to rebuild your credit history.

Retrieved from “http://www.articlesbase.com/finance-articles/virtual-debit-and-credit-cards-160644.html

(ArticlesBase SC #160644)

Vaibhav Aggarwal -
About the Author:

Myself Vaibhav Aggarwal webmaster of http://www.epay.vg/ dealing in online money transfer, money transfer services, online payment gateway, virtual debit cards, virtual credit cards, secure money transfer services worldwide with an easy solution.

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Article Tags:
money transfer, online money transfer, money transfer services, online payment gateway, secure payment gateway, virtual credit cards, virtual debit cards

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Myself Vaibhav Aggarwal webmaster of http://www.epay.vg/ dealing in online money transfer, money transfer services, online payment gateway, virtual debit cards, virtual credit cards, secure money transfer services worldwide with an easy solution.


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