Art Of Saving | Blogs Active Bunch 601 94 Fri, 22 Oct 2021 21:10:34 -0400 Disabled Veterans Charities Funds Over $14M to Veteran Programs <strong>Business Loans</strong>: 1888 Press Release - Disabled Veterans Charities has awarded $14,054,621 to support at-risk veterans and their families in Southern California.REDLANDS, Calif. - Thanks to the generous support of corporate and individual donors, Disabled Veterans Charities, a 501(c)(3) organization, has now provided $14,054,621 to programs that support at-risk veterans and ... Business Loans Sat, 14 Mar 2020 01:14:54 -0400 Five FAQs Regarding Financial Elder Abuse <strong>Legal</strong>: What is Financial Elder Abuse?&nbsp;In California, financial elder abuse is broadly defined as taking of a senior’s property for a “wrongful use or with intent to defraud.” Cal. Welf. &amp; Inst. Code § 15610.30(a)(1). This statute also extends to anyone who is assisting another person with taking or appropriating wealth and assets from ... Ingrid Evans Legal Fri, 13 Mar 2020 13:31:29 -0400 Maximize Corporate Tax Deductions with Charitable Donations <strong>Tax Planning</strong>: REDLANDS, Calif. - As corporations prepare for this year’s tax filings, there’s no better time to make strategic plans about how to maximize corporate deducations for 2020. And a great way to lower your tax burden is through charitable giving.To encourage charitable giving, the Internal Revenue Service allows corporations ... Tax Planning Fri, 06 Mar 2020 04:49:58 -0500 Tax Errors: They Could Cost You in the Long Run <strong>Legal</strong>: <p class="Body"> <style> <!-- /* Font Definitions */ @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:"Arial Unicode MS"; panose-1:2 11 6 4 2 2 2 2 2 4; mso-font-charset:0; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:-134238209 -371195905 63 0 4129279 0;} @font-face {font-family:"Helvetica Neue"; panose-1:2 0 5 3 0 0 0 2 0 4; mso-font-charset:0; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:-452984065 1342208475 16 0 1 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Arial Unicode MS"; border:none;} h2 {mso-style-priority:9; mso-style-qformat:yes; mso-style-link:"Heading 2 Char"; mso-style-next:Normal; margin-top:2.0pt; margin-right:0in; margin-bottom:0in; margin-left:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan lines-together; page-break-after:avoid; mso-outline-level:2; font-size:13.0pt; font-family:"Helvetica Neue"; mso-ascii-font-family:"Helvetica Neue"; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:"Helvetica Neue"; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#0079BF; mso-themecolor:accent1; mso-themeshade:191; border:none; font-weight:normal;} a:link, span.MsoHyperlink {mso-style-unhide:no; mso-style-parent:""; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:fuchsia; mso-themecolor:followedhyperlink; text-decoration:underline; text-underline:single;} span.Heading2Char {mso-style-name:"Heading 2 Char"; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 2"; mso-ansi-font-size:13.0pt; mso-bidi-font-size:13.0pt; font-family:"Helvetica Neue"; mso-ascii-font-family:"Helvetica Neue"; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:"Helvetica Neue"; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#0079BF; mso-themecolor:accent1; mso-themeshade:191;} p.Body, li.Body, div.Body {mso-style-name:Body; mso-style-unhide:no; mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Helvetica Neue"; mso-fareast-font-family:"Arial Unicode MS"; mso-bidi-font-family:"Arial Unicode MS"; color:black; border:none;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt; mso-fareast-font-family:"Arial Unicode MS"; border:none;} .MsoPapDefault {mso-style-type:export-only;}size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.6in; mso-paper-source:0;} div.WordSection1 {page:WordSection1;}mso-level-numbering:continue; mso-level-tab-stop:none; mso-level-number-position:left; margin-left:81.0pt; text-indent:-9.0pt; mso-hansi-font-family:"Arial Unicode MS"; font-variant:normal !important; text-transform:none; position:relative; top:1.0pt; mso-text-raise:-1.0pt; letter-spacing:0pt; background:windowtext; mso-highlight:windowtext; mso-font-width:100%; mso-font-kerning:0pt; text-effect:none; text-effect:none; text-effect:none; mso-ansi-font-weight:bold; mso-bidi-font-weight:bold; text-decoration:none; text-line-through:none; vertical-align:baseline;} ol {margin-bottom:0in;} ul {margin-bottom:0in;}</style>Making mistakes when filing your taxes could come at a big cost.<span style="mso-spacerun:yes">&nbsp; </span>You could end up paying more in taxes than you need to if you are taxed on income that you should not have paid taxes on. Alternatively, if you underreport your income or fail to file your taxes, you could find yourself faced with penalties&nbsp;and late charges. </p><p class="Body"><br></p><p class="Body">The good news is: Tax errors can be avoided. A New Jersey tax attorney&nbsp;can help you take steps to follow all applicable tax rules, make the most of your deductions and avoid penalties and consequences that can come from not paying your taxes as required.<span style="mso-spacerun:yes">&nbsp; </span></p><p class="Body"><span style="mso-spacerun:yes"><br></span></p><h2>Common Tax Errors to Avoid</h2><p> <br></p><p class="Body">Everyone’s tax situation is unique to them, which is why getting legal help from a tax lawyer on your personal situation is a smart course of action. However, while you should get the right legal advice from a professional familiar with your situation, you can also learn about some common errors to avoid. In particular, common tax mistakes that you do not want to make include the following:</p><p> <br></p><p class="Body" style="margin-left:9.0pt;text-indent:-9.0pt;mso-list:l0 level1 lfo2"><span style="mso-hansi-font-family:" arial="" unicode="" ms";position:relative;top:1.0pt;="" mso-text-raise:-1.0pt"=""><span style="mso-list:Ignore">•<span style="font:7.0pt " times="" new="" roman""="">&nbsp;&nbsp; </span></span></span><b>Not claiming all of your deductions or credits:</b> Many taxpayers don’t have a detailed understanding of what tax credits or tax deductions they could be entitled to. There are some credits or deductions that you can take even if you do not itemize. Others require you to itemize your taxes instead of taking the standard deduction. You should understand different credits available to you, make an informed decision on whether to itemize or claim the standard deduction, and make sure you are getting the maximum credits no matter which approach you select. </p><p> <br></p><p class="Body" style="margin-left:9.0pt;text-indent:-9.0pt;mso-list:l0 level1 lfo3"><span style="mso-hansi-font-family:" arial="" unicode="" ms";position:relative;top:1.0pt;="" mso-text-raise:-1.0pt;mso-bidi-font-weight:bold"=""><span style="mso-list:Ignore">•<span style="font:7.0pt " times="" new="" roman""="">&nbsp;&nbsp; </span></span></span><b>Not reporting all of your income: </b>If you don’t report all the income that the IRS was informed that you have by W-2 and 1099 forms submitted by the people who paid you, this will trigger an IRS inquiry. You should also make sure that your calculations are accurate. Even an innocent math mistake that leads to underreporting could still trigger stiff penalties. </p><p> <br></p><p class="Body" style="margin-left:9.0pt;text-indent:-9.0pt;mso-list:l0 level1 lfo3"><span style="mso-hansi-font-family:" arial="" unicode="" ms";position:relative;top:1.0pt;="" mso-text-raise:-1.0pt;mso-bidi-font-weight:bold"=""><span style="mso-list:Ignore">•<span style="font:7.0pt " times="" new="" roman""="">&nbsp;&nbsp; </span></span></span><b>Not understanding all of your tax obligations. </b>Depending upon your specific situation, you may have obligations that go beyond just filing a tax return in April of each year. For example, taxpayers who earn self-employment income could end up needing to pay quarterly taxes. Individuals who have offshore investments may be required to file an annual Report of Foreign Bank and Financial Account and could be required to comply with <a href="">FATCA</a>.<span style="mso-spacerun:yes">&nbsp; </span>You need to know what your obligations are so you can follow IRS rules and not face penalties for failure to submit the proper paperwork. </p><p> <br></p><p class="Body" style="margin-left:9.0pt;text-indent:-9.0pt;mso-list:l0 level1 lfo3"><span style="mso-hansi-font-family:" arial="" unicode="" ms";position:relative;top:1.0pt;="" mso-text-raise:-1.0pt;mso-bidi-font-weight:bold"=""><span style="mso-list:Ignore">•<span style="font:7.0pt " times="" new="" roman""="">&nbsp;&nbsp; </span></span></span><b>Missing the tax deadline: </b>While procrastinating is natural when it comes to the big job of doing your taxes, if you don’t turn in your forms on time, you could end up owing late filing penalties and late fees for unpaid tax. </p><p> <br></p><h2>Questions? Contact an Attorney Before Filing</h2><p> <br></p><p class="Body">A New Jersey tax attorney can help you to avoid these and other common errors. To find out more about how you can avoid tax mistakes, seek legal guidance today. </p> Kevin E. Thorn Legal Thu, 06 Feb 2020 10:08:42 -0500 Understanding The Foreign Earned Income Tax Exclusion While Living Abroad <strong>Legal</strong>: Living and working abroad may be appealing to many people and even has advantages from a tax standpoint. In fact, familarizing yourself with the foreign earned income tax exclusion (FEIE) can be helpful when living in another country. FEIE BasicsIn general, US citizens are subject to federal income tax on their worldwide income. ... Kevin E. Thorn Legal Fri, 11 Oct 2019 13:41:56 -0400 THE IMPORTANCE OF A RIGHT MORTGAGE BROKER: HOW TO CHOOSE <strong>Personal Loans</strong>: In today’s day and age, the world is witnessing a lot of financial innovations. As our needs increase, finance entities find different ways to keep at par with the demand. One such credit option that most people opt for are&nbsp;mortgage brokers.&nbsp;Essentially, any person or link that arranges a mortgage ... Tory Jay Personal Loans Fri, 06 Sep 2019 07:31:14 -0400 Three Ways to Improve Bad Credit in Canada <strong>Auto Loans</strong>: A bad credit score can affect your life in more ways than one. Interest rates on credit cards and loans are higher, security deposits on utilities are costly, even insurance premiums can go up. Plus, you could be denied employment opportunities, especially if the job is in the financial sector. If your credit rating ... Robert Johnson Auto Loans Fri, 06 Sep 2019 00:50:34 -0400 Useful Investing Tips to Help Grow Your Money <strong>Personal Finance</strong>: Investments will definitely help you build wealth, offer the required financial stability, cover the&nbsp;expenses after retirement, save on taxes, and more. 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Banking Mon, 09 Oct 2017 02:21:00 -0400 Sapporo International: Bank of Japan Faces Growing Concern <strong>Banking</strong>: 1888 PressRelease - Sapporo International: BoJ remains confident that target inflation will be reached by end of 2020 fiscal year.Sapporo International: According to the minutes of a meeting held by the central bank on Tuesday, the Bank of Japan’s policymakers stated that they plan to adhere to their existing ... Banking Mon, 02 Oct 2017 02:17:00 -0400 Building Dreams, One Home at a Time <strong>Real Estate</strong>: (1888 PressRelease) Classic Quality Homes has the expertise and the commitment to deliver a new life for families and individuals in Pennsylvania’s majestic Pocono Mountains.Scranton--Wilkes-Barre-Hazleton, PA - They say a home is only worth what you’re willing to pay for it, but in today’s housing market, that price, even ... Real Estate Sat, 22 Jul 2017 04:18:00 -0400 How to Protect your Car <strong>Personal Finance</strong>: Scheduled Maintenance - This is one of the most basic ways to protect your car - ensure that you go for your scheduled maintenance visits at your registered workshop whenever you hit your mileage milestones! Getting your tires balanced and checking your engine performance is the best way to ... Rowan Webb Personal Finance Mon, 12 Jun 2017 23:28:00 -0400 Ways to Save for Your Child’s College Education <strong>Education Planning</strong>: People often tend to think that parents need more money when their kids are very young, or better yet, babies. However, the price of piled up diapers doesn’t even come near to the price of education, especially college education. The average price of a college year varies widely, and ... Tracey Clayton Education Planning Fri, 09 Jun 2017 07:01:00 -0400 Berlin Company Revolutionizes Real Estate Market <strong>Real Estate</strong>: 1888PressRelease- With "Digital Viewing" Always Live on Site - Even From a Distance.The Berlin-based company Accord Estates GmbH is revolutionizing the international real estate market with the introduction of its new "digital viewing service". The new service will be particularly beneficial to overseas investors, who will be able to ... Real Estate Mon, 27 Feb 2017 18:13:00 -0500 Seven Things to Check Before Hiring a Brokerage in Forex Trade <strong>Financial Advisor</strong>: Choosing the perfect broker for facilitating online forex trade has always had people in a bit of a dilemma. But worry not, since this article could hopefully serve as a guide. There are a gazillion ways in which one could choose a suitable broker without getting swindled out of their money. Below are ... Adam Smith Financial Advisor Fri, 06 Jan 2017 08:18:00 -0500 Saving Money: The Secret Money Saving System Called ROSCA Revealed <strong>Saving</strong>: Have you ever wondered how a newly arrived immigrant manage to scrape together enough money to open a shop? Many immigrants from all around the world utilize a 200+-year-old secret savings system used by people around the world called by different names the Jamaicans call it "Pardna” spoken in ... A.D. Saving Sun, 21 Feb 2016 14:06:00 -0500 Alert! No Extension to December 15 Open Enrollment Deadline <strong>Insurance</strong>: Alert! No Extension to December 15 Open Enrollment Deadline&nbsp;Plan selection deadline for Jan 1 coverage start date is fast approaching. Must enroll&amp;make plan selection by 11:59pm Dec 15, 2015 for coverage to be effective on Jan 1, 2016. There will be no extensions to this deadline. Plans selected between ... Thomas J. Hartfield Insurance Mon, 07 Dec 2015 14:50:00 -0500 Get answers to your health benefits challenges! <strong>Insurance</strong>: At Hartfield Financial&Insurance Services, Inc, we’re focused on giving you access to the information you need to make the right decisions:Health benefits costs. Employee productivity. Compliance. What keeps you up at night? Every small business has its challenges, especially when it comes to health benefits. We’d like to know yours. Your ... Thomas J. Hartfield Insurance Tue, 29 Sep 2015 22:03:00 -0400 Resolutions for a Debt Free Business <strong>Banking</strong>: 1888PressRelease - Unpaid services is accumulated money that must be collected. Taylor, Ricci&Associates is an experienced and professional company who understands that business owners financial concerns lies on unpaid invoices and services.Cutting costs and elevating revenue is on the front of most business owner's minds today. While some have ... AndrwDerAlex Banking Wed, 06 May 2015 02:51:00 -0400 In House Payroll Software: 2015 EzPaycheck Supports Multiple Accounts with One Flat Rate <strong>Payroll</strong>: The 2015 version of ezPaycheck payroll software has been improved per business owners requests and suggestions to support multiple companies. Customers can download and test drive it at no risk or obligation at, TX - Payroll software developers at have just updated ezPaycheck payroll software per customer ... Payroll Wed, 07 Jan 2015 07:07:00 -0500 The Need to Understand Commercial Bridging Loan and What It Entails <strong>Financial Advisor</strong>: Business and finance go hand in hand with the former being inherently dependant on the latter for growth and development. The need for cash might pop up at any given moment and some major expansion or improvement might be conditional to the investment. If only money was available that ... smithtaylors Financial Advisor Mon, 24 Feb 2014 08:42:00 -0500 The Important Question You're Probably Not Asking When You Shop Mortgage Rates <strong>Home Loans</strong>: If you're planning to apply for a refinance or purchase home loan, it's always a good idea to shop around with at least three different lenders to make sure you're getting the best deal. Even more important than just shopping around is that you shop right, meaning you know the right questions to ... Mark Fitzpatrick Home Loans Thu, 23 Jan 2014 01:10:00 -0500 How to save financially on your funeral <strong>Personal Finance</strong>: It’s impossible to take it with you, but shrewdness with cash can make your journey from life to afterlife markedly easier. Undeniably, contemplating your own demise is an unsettling and occasionally unfathomable prospect, but, like taxes, it’s an inevitability we should all be prepared for. According to the Dying Matters Coalition, the discussion ... Dimitris Papadopoulos Personal Finance Thu, 12 Dec 2013 07:32:00 -0500 The 5 Budget items you should always consider <strong>Budgeting</strong>: Everyone falls upon hard financial times at least once in their lifetime. The majority of the population is just one or two paychecks away from being homeless according to several studies. There is something everyone can do, however, to make a financial time a bit easier. By budgeting the ... Kimmy Burgess Budgeting Sat, 27 Apr 2013 00:45:00 -0400 Stricter rules for adjustable-rate mortgages <strong>Home Loans</strong>: New mortgage rules the Consumer Financial Protection Bureau announced Thursday will change how lenders decide if borrowers qualify for adjustable-rate mortgages. The "ability to repay" rule, which goes into effect in January 2014, requires lenders to consider more than just the loan's initial interest rate in determining whether someone ... Mark Goldman Home Loans Wed, 30 Jan 2013 18:32:00 -0500 State Farm Cancels Insurance Policy of Investigative Reporter <strong>Insurance</strong>: Lee van der Voo tells Romenesko readers: I was just informed by State Farm here in Oregon, where I’m an independent investigative journalist that they are dumping my office rental policy because of the kind of journalism I do. I asked whether if I were to write food reviews ... Frugal World Insurance Mon, 28 Jan 2013 14:21:00 -0500 Improve Cash Flow with Receivable Factoring <strong>Financial Planning</strong>: For those businesses that are struggling for money, accounts receivable financing may be the way to go. With this type of financing, no additional debt is created. You simply take your accounts that have not yet been paid off and basically sell them to a company to receive the cash from them that ... Pacific Business Capital Corporation Financial Planning Fri, 25 Jan 2013 00:43:00 -0500 Woman battles bank giants over faulty foreclosure <strong>Home Loans</strong>: DENVER (MarketWatch) — Caylin Crawford found herself out of work after a snowboarding accident and went to U.S. Bank for some help with her mortgage. &nbsp; The 24-year-old homeowner said she was up-to-date on her monthly payments in January 2011 when she called to ask about loan-modification options. &nbsp; “They said, ‘We can’t ... Mark Goldman Home Loans Tue, 22 Jan 2013 19:47:00 -0500