Monthly Archives: December 2017

New Coaching Course Freedom Formula 8 Helps Entrepreneurs Make a Realistic Income Tapping into th

New Coaching Course Freedom Formula 8 Helps Entrepreneurs Make a Realistic Income Tapping into th

West Palm Beach, FL – 21 January 2013 – Ryan Moran, a renowned Internet Entrepreneur and marketing coach, announces the release of his new coaching course “Freedom Formula 8.” The new course is designed to help Entrepreneurs finally master one of the many ways to make a realistic income online and to show them how to control their income so that they can control your life.

-This coaching course is for Entrepreneurs looking to improve on their online income results and build a sustainable income in just 8 days,- said Brian Owens, one of the coaches on this course. -It provides valuable proven insider information on how to pick a profitable niche online, turn the guaranteed traffic source into recurring customers in just 8 days.-

Highlights from this Freedom Formula 8 coaching course include:

-the 8 exact steps that Ryan uses to create his successful niche businesses online

-how to be in control of your financial health

-how to turn the cyber shopping mega trend into money in your pocket

-follow a proven roadmap with guaranteed results

-start to make money in a little over a week

Brian also says in his Freedom Formula 8 Reviews, -The best part of Ryan’s course is that even someone who has never tried to make money online could follow the instructions and have success. You don’t need to be an expert, so if you’re looking for something geared towards beginners, this is the course for you-.

The course is available at at just $47 and with your purchase you will get a special bonus report -Convenient Commissions- that shows you a live case study on how to build a website that generates thousands a month.

The coaching course is run by Ryan Moran and a selected group of mentors. Ryan Moran is a successful internet marketer.

About Brian Owens

For the last 5 years, Brian Owens of has been working with internet entrepreneurs teaching profitable marketing strategies online and is one of the coaches on this new coaching course, Freedom Formula 8.

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Contact: Brian Owens
Company: Brian Owens Biz
Address: 2064 Pleasant Hill Road, West Palm Beach, FL 33409
Phone: 561-966-5983
Email:
URL:

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Is Whole Life Insurance Investment a Worthy Investment

Is Whole Life Insurance Investment a Worthy Investment

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

S Corporation Tax Tips – How To Report Deductions On Form 1120s

S Corporation Tax Tips – How To Report Deductions On Form 1120s

If you own an S Corporation, you must file Form 1120S every year to report the income and expenses of your small business. The purpose of this article is to help you properly report all the legitimate expenses you are entitled to take. Like any business owner, you are in business to make a profit. But you also don’t want to pay more tax than required, so read on to make sure you know where to report expenses on Form 1120S.

Form 1120S has three places for you to report your expenses:

1. Schedule A, Cost of Goods Sold. If you sell a product and maintain an inventory, you must calculate your cost of goods sold. Form 1120S provides a special section to do this calculation; it’s called Schedule A, and it’s found on Page 2. This is not an overly complicated schedule, but it must be done right, or you can come up with the wrong amount for what is often the biggest expense for many businesses that sell a product.

After you complete Schedule A, the amount from line 8 of Schedule A must be transferred to line 2 of page 1. Of course, if you don’t sell any product, you can ignore Schedule A.

2. Deductions. This section is located on page 1, lines 7-18. This is where you deduct many of the most common expenses found in any business. There are 12 expense categories for you to start with: compensation of officers, salaries and wages, repairs and maintenance, bad debts, rents, taxes and licenses, interest, depreciation, depletion, advertising, pension and profit-sharing plans, and employee benefit plans.

3. Other deductions. The deduction section described above only offers 12 expense categories. Perhaps you are thinking, “Only 12 expenses! I know my business has many more expenses than that. In fact, most of my business expense categories aren’t even listed on lines 7-18 of page 1.” If that’s you, do not despair. You are not alone, and your situation is quite common. That’s why page 1 has line 19, “Other deductions.” This is where you get to list all other business deductions on a separate schedule. The total from that schedule is then transferred to page 1, line 19.

Here are some of the most common business deductions that you’ll likely include on the “Other deductions” schedule: automobile and truck expenses, bank charges, consulting fees, credit and collection costs, delivery, discounts, dues and subscriptions, equipment rent, insurance, janitorial, laundry and cleaning, legal and professional fees, miscellaneous, office expenses, parking fees and tolls, postage, printing, sales and promotion expenses, security, small tools and equipment, supplies, telephone, utilities.

You will likely have many other categories to include on this schedule. When it comes to reporting deductions, be sure sure to include every legitimate expense you are entitled to write off.

How To Become A Certified Financial Divorce Specialist

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Small Business Computer Consulting Appropriately Setting Your Rates

Small Business Computer Consulting Appropriately Setting Your Rates

In small business computer consulting, $100 an hour can be a reasonable and livable rate. Why can setting your rates at $100 an hour make all the difference in the world?

Take the $100 an hour and multiply it by 1,500 hours a year. This is reflecting a 75% utilization rate; or 75% of a typical forty hour work week as billable time. Now youre at $150,000 a year gross.

Salary and Affordability

As a small business computer consulting firm, you will want to take a third of the gross and plow it into sales and marketing. Therefore you can afford a $40,000 base salary for your sales account executive. So, of that one third of your gross small business computer consulting income, $40,000 can go to the base salary and $10,000 can go to related marketing expenses.

Additionally, one third will take care of taxes, insurance and overhead items for the most part, and you have a third of it or $50,000 left to pay a technical staff salary.

Surpassing $100 an Hour

You may be considering exceeding a rate of $100 an hour for your small business computer consulting firm. At that point, you can hit what we call the not-so-imaginary-hourly-billing-rate ceiling.

Needless to say, if your small business computer consulting clients are paying $110 to $125 an hour, it gets even easier to be able to afford really bright, motivated, highly qualified sales and technical staff.

Higher Rates Equal Bigger Businesses

However, if you want to charge above $100 an hour in your small business computer consulting firm, youll almost always need to move above and beyond sweet spot small business clients into really large small businesses, medium size businesses and enterprise-sized accounts that require a different business model and technical skill set.

Once you do that, youre going to be operating under a completely different type of business model. And you will need even more polished and seasoned salespeople to be able to handle those accounts.

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Advantages And Disadvantages Of Government Grants

Advantages And Disadvantages Of Government Grants

Government grants are means to realize a project that is sure to benefit a lot of people, especially the public sectors. People or organizations, particularly those who have no means of generating the budget for a certain project designed for the welfare of the public, normally apply for a government grant. These grants are not easy to acquire, and this is one fact you need to know if you have plans of applying for one. You have to go through a lot of processes for your application to be considered and granted.

Government grants are designed to help create ideas that can be of great help for the government’s visions and missions. But there are a few good things you need to know with regards to government grants. There are advantages and disadvantages of applying for a government grant, and the following are some of them.

Among the advantages of government grants is that you will be provided of the necessary budget for the completion of the project. Depending on how much you need, the government can provide you to as much as billions of dollars for the project. Another advantage you can get is the distinction of being an awarded of a government grant. This can provide you with additional credibility, as well as public exposure you or your organization needs.

While these advantages are really great, you must know that government grants also have a few disadvantages. One disadvantage is the fact that applying for a grant from the government requires patience and a lot of hard work on your side. There is a lot of planning and research to perform during the application process. Another disadvantage is that since the government is ready to spend billions of dollars for these grants, more and more people and organizations are encouraged to apply for these grants, which means more and more competitors for your endeavors.

Despite all these, you must not waver if you are truly convinced that your idea or project has the potential to be a vital role in the progress of the place you are living in.

Financial Support for Filipino Entrepreneurs

Financial Support for Filipino Entrepreneurs

Starting up a business usually requires a lot of capital. However, other than its basic capital, there are also other unforeseen expenses involved in starting a business, no matter how small or how big the business is. This is the reason why many business experts and consultants recommend entrepreneurs to prepare for the overhead expenses that they would encounter once they start their own business.

But what if they lack the necessary capital to accommodate their business overhead costs? At this time, financial assistance from loaning firms may prove very useful. This is the reason why BPI had started their own business loan services, such as their Fast cash loan Philippines, which aims to offer Filipinos the chance to start their own business even though they lack the necessary funds for it.

Why Businesses Became a Popular Trend Businesses had become a very popular trend in the Philippines. The number of small businesses, such as food cart businesses had grown massively all over the country. Part of the reason why is because of the continuous growth of new business opportunities, particularly the franchise business industry.

However, other than the growing number of new business opportunities, another reason why businesses became a popular trend is because of the many financial support that the government, as well as the private sectors, offers for Filipino businessmen and women. One of those services is BPIs Ka-Negosyo business loan services.

Benefits of BPIs Loaning Services What are the advantages of business loan services? One of the many advantages of loaning, such as the popular Fast cash loan Philippines service, to start a business is that it allows them to start or establish their business even without the right amount of budget or capital to establish it.

BPIs Ka-Negosyo business loan services offer one of the most reliable ways for Filipinos to get financial support for their business plans or ventures. However, other than supporting Filipinos in establishing a business, BPIs Ka-Negosyo business loan services can also offer fast cash loans Philippines that specializes in providing emergency financial support for businesses.

Other than for establishing businesses, loaning can also serve as a back-up plan for expanding businesses. Expanding a business requires a lot of capital, which is why loaning may be one of the few popular ways to achieve the necessary funding to expand their business without the worry of overhead costs. And due to BPIs Fast cash loan Philippines services, many businesses were given the chance to expand their business and earn more.

Singapore Company for Foreign Entrepreneurs and Business Entities

Singapore Company for Foreign Entrepreneurs and Business Entities

There are three business arrangements in Singapore that have been specifically created for foreign entrepreneurs and business entities planning to have a presence in the country: a subsidiary company, branch office, and representative office.

These are the basic differences between these business entities for foreign entrepreneurs and investors:

1. Subsidiary company

This is probably the most ideal business entity for foreign companies planning to form a Singapore company or expand their presence in the country. This is because this formation provides countless of benefits especially when it comes to tax incentives and limited liability.

As a separate legal entity from its parent company, a subsidiary company may have a different name and is allowed to conduct any business activities in the country as long as these are legal.

A foreign company with a subsidiary company enjoys a limited liability, an arrangement in which it is not liable for any losses, liabilities, and debts of its Singapore auxiliary business.

And because a subsidiary company is incorporated in Singapore, it also enjoys local tax benefits even if it is 100 percent owned by foreign businessmen and entities.

However, this business setup is required to appoint at least one resident director who may be a Singaporean citizen or holder of EntrePass, Employment Pass, or Permanent Residence Status.
Meawhile, a subsidiary company may have one to 50 shareholders who may be a foreign or local individual or another business entity. To know more abour subsiday company follow this link:

2. Branch office

A branch office, being an extension of its business headquarter, is only allowed to conduct activities performed by its parent company.

Unlike a subsidiary company, a branch office is not provided with local tax benefits since it is treated as a legal extension of its parent company. And with this arrangement, the headquarter is directly liable for all the losses, debts, and liabilities of its Singapore branch office.

Meanwhile, it is a legal requirement for a branch office to hire two Singaporean resident agents who will oversee its business operation.

When it comes to government-imposed disclosure requirements, this business entity may not be appealing for some shareholders since they are also required to submit the audited accounts of their parent company. To know more about branch office, follow this link:

3. Representative office

Legally speaking, a representative office is not really a business entity as it is not allowed to engage in any revenue-generating activities.

A representative office is generally ideal for foreign companies who are not yet sure of the business viability of their services or goods in Singapore and want to conduct an extensive market research before engaging in a full-blown operation. To know more about representative office, follow this link:

Economic Instability Drives Gold Investment

Economic Instability Drives Gold Investment

During times of economic instability, investors naturally seek to find a way to minimize any potential losses and invest in assets that will hold their value. One such investment is gold, a traditionally popular choice during economic volatility for a number of factors.

Investors during these periods often look to diversify their portfolios away from the stock market which fluctuates with the economy and is therefore at risk of crippling losses of value, losing money for investors over years or even decades. Gold is an obvious choice for many investors because gold is not linked to the economy in the same way that stocks are. As gold has been used as currency across much of the world in the past, it is not tied to one particular government or economy, which causes it, in effect, to be a global, international form of currency. While it is not impervious to fluctuation, these changes aren’t linked to economies and therefore much less likely to lose investors’ money during a downturn.

Gold does not depreciate in value, partly due to the fact that it is not only an internationally recognised currency but also a commodity. Hence, during unstable periods, gold is a wise choice; stocks can fail but gold will not, or at least not to such a drastic extent. It will always be in demand, not least because large markets like the electronics industry and the jewellery market use it extensively.

For the reason that it acts as a hedge for inflation, gold is seen as a ‘safe’ investment. When stocks and bonds decline, it often follows that investments like gold, which have intrinsic value, actually increase in worth, and are therefore less likely to cause losses. When the economy is suffering from negative interest rates, a situation whereby inflation is higher than the nominal inflation rate, gold is often a sound investment. In these cases saving with a bank is often seen as more high-risk than owning a tangible asset.

Although investing in gold is not a completely sound method of avoiding economic instability and does not ensure fully a hedge against inflation, it does have a proven record of minimizing losses during these times. This is evidenced by the fact that gold held its value through the worst of the last century’s economic crises, the Great Depression and World War Two. This established testimony to gold’s ability to hold its worth is a significant aspect in the tradition of investing in gold during economic problems.

A Reflection Of Forex Trends Forex Economic Calendar

A Reflection Of Forex Trends Forex Economic Calendar

In the world of foreign currencies, one must be able to study the trend and average true range, study the resistance and support levels and of course the trading volume and more. A trader must be able to do the studies mentioned above but the most important and often overlooked is the study of daily forex economic calendar. The main goal of this area of study is to be able to understand which fiscal releases are scheduled and the possible impact such releases would have upon the proposed or actual trades.

In order to help this study, it is important to understand that this it is much of what is contained in these releases that would actually moves the forex market – employment/unemployment data, interest rate changes, GDP, retail price index, inflation, balance of payments and more.

Also, the trader must be able to understand that as each piece of fundamental information is being released, the market participants would react to such new information. As a result, the market prices become very unpredictable.

In most cases, traders tend to commit a mistake by trying to understand the information to be released. They tend to look too closely at the information itself.

There is an example of effective strategy and it is what we call as market sentiment. This will gauge how the market participants would react to the new information. A good forex economic calendar is not just about giving time and nature of the release but also the appropriate previous figures and its corresponding indications that the market would expect the next time.

The kind of forex economic calendar previously mentioned has a facility to allow the study of specific commentary for each of the releases which could be very helpful in trying to assess how strongly the market could be affected by such release. There are economic releases that could make an impact to just one currency pair while others will affect many pairs. Also, it is important for a trader to understand the inter-relationship, or the lack of it, between the different currency pairs.

If your trading is short term then that means the daily economic releases would be affected by your trading more than the case if you were going to be in a position trading however, even for people who are into position trading would remain aware of what is due to impact the market.

Now, to conclude, whatever your routine in your daily trading, ensure that it would include depth of study of a reliable forex economic calendar.