Are you interested in expanding your portfolio? Are you a technological wiz?
Digg has a few job openings for you.
If you are savvy with developing Android applications then head over to Digg and sign up for an interview. Android phones and tablets are not going away. Rather social, content rich, and news applications are in demand. Can you or have you discovered a shorter way to write these applications making them simpler and easier for us simple folk to use?
Other jobs are available. So go Digg your next job.
As I explore I share with you.
Most people anticipate their annual tax preparation meeting as much as a visit with the executioner. Fortunately, it doesn’t need to be like that. With a little preparation not only can you turn that meeting into something that’s a lot more pleasant, but there’s a much better chance at ending that meeting with much better news than you would otherwise. This article will serve as a primer to making tax time a much more pleasant experience.
1. Get help. If the tax world offers one ray of hope, it’s the fact that there are lot of qualified people out there who can help you not only to prepare your taxes when the due dates roll around, but to advise you before the year starts, so you are prepared when tax season arrives.
The two people you can most trust with taxes are a Certified Public Accountant (CPAs) and an Enrolled Agent (EA). These professionals are two of three, the only other is an attorney, who can represent you in front of the IRS.
2. Watch out for deductions. Once you have a good idea of what is deductible, make sure you watch out for them in the normal course of business.
3. Keep a good tax diary. There are few things more frustrating than to keep receipts of your deductible expenses only to not remember what they are for when it comes tax time. Keep a dairy of your expenses, complete with receipts, so you can explain each one if you are asked.
4. Account for employees. Having employees changes the game significantly when it comes to taxes. Make sure you can account for everything when it comes time to fill out your tax forms.
5. Account for all of your business functions. There are many things that occur in the daily operation of a business that are deductible. You should make yourself aware of what those functions are and keep track of them when appropriate for your tax records.
6. Start preparing for tax time. You should begin the formal process of getting ready for your tax preparation appointment several months before the actual date. This prevents a lot of problems with trying to put everything together at the last minute.
7. Prepare for yourself. In the rush of making sure that your business is accounted for, many business owners forget to make sure their own salaries and expenses are kept up to date. Take all of your allowable deductions.
8. Keep a tax calendar. It would do you little good to keep track of expenses if you don’t report them on time. If you have to file throughout the year, make sure you remember to get everything to your preparer on time.
9. Make a list. Make sure you have everything before your appointment.
Hayley is a freelance blogger. For tax preparation in Los Angeles, she recommends the tax experts at Blue Tax.
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Business and commerce have changed dramatically over the years. The advent of new technology and products has made customer interface, sales and supply an entirely new game. While the processes in which we do business has changed, the rules of being successful at it have held fast and carry relevance even in today’s tech savvy and advanced world.
1. Don’t assume to know what consumers want.
Presuming to know beforehand what customers want and need is great way to come across as arrogant and pretentious. Pay attention to market trends and keep up to date on developments within your industry. Network with businesses in your same field and compare notes on things that are working and those that are falling flat.
2. Keep your employees happy.
Your employees are the backbone of your business. Happy employees are statistically proven to be more productive and profitable for a business regardless of industry. A high employee turnover rate is a definite sign of internal problems that you as the owner have the power to correct. Reward hard work and recognize those who deserve it while at the same time purging yourself of those who continually bring a negative attitude and are detrimental to the work environment.
3. Encourage and listen to customer input.
There’s no better way to gain insight into what customers want than by asking them directly. Encourage the use of comment and feedback cards by your customers. Express how much you genuinely value their input and take their comments to heart.
4. Make your business a place people want to be.
Making your business an inviting place for customers is an excellent way to earn repeat business. If customers enjoy frequenting your establishment they’re far more likely to recommend you to friends and family. Ensure that every time a customer steps foot through your door they’ll have a positive experience.
5. Be active and visible.
By integrating yourself into the community and associating yourself with positive action you can build brand recognition for company. Sponsor local sports teams and volunteer to host events. Donating services and products for charity events is another fantastic way to make your company visible in a positive manner.
6. Reward customer loyalty.
Rewarding loyalty gives customers a reason to keep coming back. In addition it gives you a medium to show your gratitude for their repeat business. Customers take notice and appreciate gestures that acknowledge their loyalty, even if it’s something small.
No matter how much the times change, the basic fundamentals of good business will remain constant. Regardless of businesses present size and successes, failure to adhere to sound principles can lead to decline and downfall. Those same fundamentals can take an emerging business to the next level of success.
Brionna Kennedy is native to the Pacific Northwest, growing up in Washington, then moving down to Oregon for college. She enjoys writing on fashion and business, but any subject will do, she loves to learn about new topics. When she isn’t writing, she lives for the outdoors. Oregon has been the perfect setting to indulge her love of kayaking, rock climbing, and hiking.
Yes you heard me correctly! You can indeed build a property portfolio and become financially free without actually owning a property. What’s more, I’m not talking about investing overseas or an area that plagued with social problems. I’m talking about your own town or city or in a worst case scenario a maximum of a 45 minute drive from where you currently reside. So do I have your attention? Great, then let’s begin…
Before I begin, let me ask you a question. What monthly income would you need in order to stop working completely? Most people tell me that it would be around $4800 per month, which is around the average family take home pay. My next question is, how badly do you want it? For me, I had a burning desire to become financially free. It was an obsession. I wanted time to do the things I enjoy doing. Time is precious. It’s finite. You cannot save up time and use it later because once it’s gone, it’s gone forever.
So write down a few reasons why you want to be financially free. You see, the why is always more important than the how. I will tell you exactly how to do this very shortly, but unless you really want to do it, unless you have a compelling “why”, then it is very likely you will take no action whatsoever.
OK, so now that you have a compelling reason why you want to be financially free, you are probably still wondering how on earth you can build a property portfolio for less than $56000. And I’ll be honest with you, I really struggled with this as well when I first started out. In one of the early refurbishment projects that I did, I tied up over $32000 in one property and had to wait over 6 months before I could remortgage and get some of my initial deposit back. Unfortunately, since the credit crunch lenders require hefty deposits on buy-to-let mortgages, usually of 25% or more. What’s more, you cannot remortgage for 6 months meaning that your funds quickly become tied up, making it nearly impossible to grow your portfolio in a short space of time.
So what’s the alternative I hear you ask? Well, would you agree with me that ultimately, what we are trying to achieve is cashflow from the property, without having to pay the hefty 25% deposits? So how do we buy the property without the 25% deposit? Simple, we don’t! Instead, what we do is find a struggling landlord and offer to take the property off them as a corporate let. What this means is that we will guarantee the landlord a fixed rental for the property over a long period. We act as a management company and ensure that the property will be maintained to a satisfactory standard. We also usually pay for the property to have a light refurbishment, in order to bring it up to standard. This normally costs us on average $5600.
So why would this be appealing to them? Well, there are many reasons why a landlord may be struggling, which can include:
- Being an accidental landlord. They may have bought the property at the peak of the market and are now in negative equity, meaning that they are unable to sell the property without making a loss.
- They may have relocated to another part of the country, or even abroad, and are struggling to manage the property adequately.
- They may be too old to manage the property effectively and just want an easy retirement.
- They may just be tired of dealing with tenants and want a “hassle-free” life.
Therefore, the appeal of having a guaranteed long-term rent plus having the property fully managed for them often very appealing. We normally pay around $320 per month for every double bedroom in a property. What we stipulate with the landlord, however, is that they consent to us renting out the property on a room-by-room basis. The reason we do this, is that the yields are far higher doing it this way. We normally rent each double room for around $640 per month and overall look to make $800 per month cashflow from the property. So therefore, if you were to do this 10 times, it would cost you $56000 and give you $8000 per month cashflow, which is more than enough for most people to become financially free. So what are you waiting for!
Author Bio: Francis Dolley runs a rent to rent course in the UK teaching students how they can successfully build a portfolio of properties that they don’t own, yet generate substantial profits each and every month.