What has happened to all the renters? Well, Let’s examine what has happen in the last few years in the housing markets.

First of all, interest rates have dropped to all time historical lows. This means that many renters have taken advantage of this and went out and bought a house. The second thing that has happened is that most real estate values throughout the country have gone up a lot in a short period of time. Because of this, many more people have decided to start to invest in rental real estate. More landlords, fewer renters equal a soft rental market.

When the market is soft, you have to be better at finding renters.

It’s the mission of all business to get and keep customers. Well, the business of owning and managing investment real estate isn’t any different. You must have a system and plan in place to find new tenants and keep you old tenants.

Typically owners of small rental property only do one or two things to find tenants. They may run an advertisement in their local newspaper or they may put a sign on the property that says “FOR RENT”. This is fine in a good rental market, but if you want avoid vacancy you have to do more.

Here are five simple ideas to help keep those vacancies filled:

>1. Put together a property feature sheet explaining the features and benefits of your property and distribute it to local real estate offices.

>2. Offer bonuses and incentives to your other residents if the refer anyone to you that rents. As an example: gift certificates for dinner out, tank of gas, microwave, etc.

>3. Use the apartment rental services in your area. They can be found in your phone book and will list your property in their “properties for rent list” that they give to residents.

> 4. Make up some cards that say “Properties For Rent – Houses, Duplexes and Apartments. Call Me” and leave them all over. Put them in the envelope when you pay your bills, leave them at restaurants or post them on bulletin boards at stores. Leave them anywhere, be creative and get the word out.

> 5. Create a waiting list. Keep a list of all callers on any rental that you ever had available. When a new unit comes up for rent, notify the people on your list and see if they might have an interest. If you ever get calls from someone looking for a rental and you don’t have any available now, put them on you waiting list.

Even though the above list is short, it should give you the idea that you need to have many ways to find renters. I’m sure that if you sat down and thought about it you could create a list of 50 –100 ideas. Once you have your list created, you should now test the ideas and see which ones gave you the best results. By doing this process you will fill your vacancies fast and have a constant stream of new tenants wanting to rent from you.

Copyright 2006 David Schneider

Dave Schneider has been investing in real estate for over 25 years and is devoting to helping landlords make more money!. For free audio seminars, tools and information on real estate investing and being a landlord, visit this site now: landlordtools.com landlordtools.com

The Derivatives and Futures Market is the most potentially profitable market in the world. But it can be the most distructive one too!

Derivatives

A derivative is a financial term for a specific type of investment from which the price over a certain time is derived from the performance of the underlying asset such as commodities, shares or bonds, interest rates, exchange rates or indices like stock market index or consumer price index.

This performance can determine both the amount and the timing of the payoffs. The diverse range of potential underlying assets and payoff alternatives leads to a huge range of derivatives contracts available to be traded in the market. The main types of derivatives are Futures, Forwards, Options and Swaps.

Futures

A futures contract is a standardized contract, traded on a futures exchange
to buy or sell a certain underlying asset. at a certain date in the future, at a pre-set price.

The future date is called the delivery date or final settlement date. The pre-set price is called the futures price. The price of the underlying asset on the delivery date is called the settlement price. The futures price, normally, converges towards the settlement price on the delivery date.

A futures contract gives the holder the right and the obligation to buy or sell, which differs from an options contract, which gives the buyer the right, but not the obligation, and the option writer (seller) the obligation, but not the right.

In other words, the owner of an options contract can exercise (to buy or sell) on or prior to the pre-determined settlement/expiration date. Both parties of a “futures contract” must exercise the contract (buy or sell) on the settlement date.

To exit the commitment, the holder of a futures position has to sell his long position or buy back his short position effectively closing out the futures position and its contract obligations.

Futures contracts, or simply futures, are exchange traded derivatives. The exchange acts as the counterparty on all contracts and sets margin requirement etc.

Forwards

A forward contract is an agreement between two parties to buy or sell an asset (which can be of any kind) at a pre-agreed future point in time. Therefore, the trade date and delivery date are separated. It is used to control and hedge risk.

One party agrees to buy, the other to sell, for a forward price agreed in advance. In a forward transaction, no actual cash changes hands. If the transaction is collaterised, exchange of margin will take place according to a pre-agreed rule. Otherwise no asset of any kind actually changes hands, until the contract has matured.

The forward price of such a contract is commonly contrasted with the spot price which is the price at which the asset changes hands ( on the spot date, usually the next business day ). The difference between the spot and the forward price is the forward premium or forward discount.

A standardized forward contract that is traded on an exchange is called a futures contract.

Futures vs. Forwards

While futures and forward contracts are both a contract to trade on a future date, key differences include:

·Futures are always traded on an exchange, whereas forwards always trade over-the-counter.

·Futures are highly standardized, whereas each forward is unique.

·The price at which the contract is finally settled is different:.

·Futures are settled at the settlement price fixed on the last trading date of the contract (i.e. at the end)

·Forwards are settled at the forward price agreed on the trade date (i.e. at the start)

·The credit risk of futures is much lower than that of forwards:

Traders are not subject to credit risk due to the role played by the clearing house. The profit or loss on a futures position is exchanged in cash every day. After this the credit exposure is again zero.

The profit or loss on a forward contract is only realised at the time of settlement, so the credit exposure can keep increasing

·In case of physical delivery, the forward contract specifies to whom to make the delivery. The counterparty on a futures contract is chosen randomly by the exchange.

·In a forward there are no cash flows until delivery, whereas in futures there are margin requirements and periodic margin calls.

Options

An option is a contract whereby one party (the holder or buyer) has the right but not the obligation to exercise a feature of the option contract ( e.g. stocks ) on or before a future date called the exercise or expiry date.

Since the option gives the buyer a right and the seller an obligation, the buyer has received something of value. The amount the buyer pays the seller for the option is called the option premium.

Most often the term “option” refers to a type of derivative which gives the holder of the option the right but not the obligation to purchase (a “call option”) or sell (a “put option”) a specified amount of a security within a specified time span. (Specific features of options on securities differ by the type of the underlying financial instrument involved)

Swaps

A swap is a derivative where two counterparties exchange one stream of cash flows against another stream. These streams are called the legs of the swap. The cash flows are calculated over a notional principal amount. Swaps are often used to hedge certain risks, for instance interest rate risk. Another use is speculation.

Swaps are over-the-counter (OTC) derivatives. This means that they are negotiated outside exchanges. They cannot be bought and sold like securities or future contracts, but are all unique. As each swap is a unique contract, the only way to get out of it is by either mutually agreeing to tear it up, or by reassigning the swap to a third party. This latter option is only possible with the consent of the counterparty.

Ricky Schmidt

stockbreakthroughs.com www.stockbreakthroughs.com

stockbreakthroughs.com/articles/derivatives.htm www.stockbreakthroughs.com/articles/derivatives.htm

Ricky Schmidt is a captain with a major airline in Germany and stems from Miami, USA.

He got raised in South Africa and in Germany where he now lives.

Before he started his flying career though, he first got in touch with the financial market by working for a bank in South Africa back in the early 1980’s. His interest in finances stayed with him ever since and he started specializing in the stock market.

His ezine “Stock Secrets For Novices” is a newsletter that was created out of frustration in trying to decode books, magazines and newsletters on the subject, which are supposed to be for beginners but are not because they’re too difficult to understand. Too many “Big Words” and too much intelligent sounding grammar is used which is not very useful to any novice!

“Stock Secrets For Novices” is clearly and simply explained information that shows you how the stock market works in the easiest terms.

Knowing how the stock market works is half the battle won already. More often than not, you need to have a coach to challenge you and get you to the next level!

It can be disheartening when you apply for a credit card and get turned down. However, in the vast majority of cases, it really is not anything that you need to worry about. While there are some people out there who would be approved for virtually everything they could think of applying for, for the vast majority of us, applying for a credit card can take a little time and some trial and error.

Credit card providers generally have pretty strict criteria that they are looking for from applicants when they launch a new credit card. They will be targeting the card at a specific segment of the market and will have a credit score range that they are seeking from applicants. If you do not fall within this score range, you will not be in their target range and will be refused the card. But this does not mean that you will not be successful when you apply for another credit card that is targeting your section of the market. And it is important not to take the rejection to heart.

Determining Your Credit Score

You may feel that you are trustworthy and always pay your bills and that you should not be turned down for credit, but remember that credit approval is no longer a personal exercise but is by and large automated and subject to computer credit checks and the like. A computer will look at your credit score and give a yes or no answer, and no individual attention will be paid personally to your application at all. It is a necessary way of running the system for lenders who have literally thousands of clients and applications to manage as efficiently as possible.

The Next Step After Rejection

If you are refused for credit, then apply to a couple more companies. You should try not to rush the process and apply for one card at a time. You usually receive your answer within a couple of days. The reason for this is that if you apply for too much credit too quickly, it will show up on your credit report and may cause lenders to turn you down. So be patient and if possible, ask the lender why they have rejected you.

Patience is a Virtue in Credit Card Applications Too

The chances are you are simply applying for the wrong type of card, for example, if you are a student, you will really only be approved by companies that make a point of providing credit cards to students and most other will reject you as a matter of course. So by a little patience, and taking the time to make your application to a credit card company that targets the segment of the market that you fit into, you should be able to get your hands on a credit card before too long.

Joseph Kenny is the webmaster of the UK credit card comparison site

Millions of Americans are finding it hard to pay their bills and dig themselves out of debt. Many are turning to debt consolidation for help. While the biggest problem seems to be credit card debt, other debts such as; tax debts, medical bills, student loans and personal loans can all be included in a debt consolidation plan.

Debt consolidation is a simple process that can be done over the Internet. A person needs to search for a lender that is listed in the Better Business Bureau. It is also recommended to find a lender that is part of a non-profit organization. After a lender is picked, an application is filled out with personal information as well as debt amounts, account numbers and present monthly payment amounts. A debt specialist will then give you feedback on what your 1, new monthly payment would be and how long until your debts are paid. If both parties accept the debt consolidation plan, a signature will be required to get started.

The lender will deal with the creditors. In most cases the lender will get the creditors to lower the interest rate and in some cases even lower the amount owed.

The creditor will benefit from debt consolidation because they know they will be receiving money from this lender. From their standpoint, they would rather get some money than have the debtor file for bankruptcy and get nothing.

The lender is also benefiting from the donations that the non-profit organization receives for their services.

The debtor receives the greatest benefits from debt consolidation. They now have one monthly payment, which is smaller than their combined payments were before. They will get their debt paid faster due to the fact that (A) they cannot use their credit cards at this point. The creditors have closed their accounts, but left them in good standing. (B) The interest rates have been lowered; therefore the debt will be paid off faster. Another benefit from debt consolidation is that you can reestablish your credit without having blemishes on your credit report.

Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and debt-relief-solutions.com/Debt-Consolidation.html free debt consolidation information that you can research in your pajamas on his website.

Bank of America is famous the world over for its smart and practical services that render unparalleled help to commoners. The Bank of America credit cards have ruled the hearts and minds of common people because their low interest rates promise good savings.

The organization has now associated itself with many noble causes, molding many of its financial services and products to bring light and hope to the lives of the deprived and destitute all over the world. The Bank of America – Anne Geddes Visa Platinum Card is one such card, which is aimed at improving the lot of abandoned and oppressed children side-by-side assisting you.

The Card And Its Benefits

The Bank of America – Anne Geddes Visa Platinum Card enables you to donate towards the Anne Geddes Philanthropic Trust, which is a non-profit organization and operates for the prevention of child neglect and exploitation. The card will automatically enroll you in the Anne Geddes Rewards program helping you donate as well as earn Anne Geddes merchandise, like baby clothing, books, watches and much more.

The cardholder will receive one point for spending a dollar in the purchases. Remember, if you do not activate your account in the duration of twelve months, then your earned points will be nullified. With each purchase you make with the card, a donation is made to the Anne Geddes Philanthropic Trust.

The first purchase you make with the card will get you 2000 points. All the more, you will be receiving 1000 anniversary points every year (on the date of issuance of the card). You can avail of the rewards once you have reached eight hundred points and that is a figure, well within reach. There is no limit to the amount of points the cardholders can earn. The interest rates are affordable and at the same time competitive.

Other Benefits

The credit card comes with no annual fee and a low introductory rate that is applicable to balance transfer and purchases made within the first six billing periods. Furthermore, the rate of interest on the balance transfers and purchases continues to be quite low even after the introductory phase comes to an end. You can also avail of the platinum services and benefits and choose from the six delightful card designs that are available.

If you love children and cannot stand them being abused and neglected, then the Bank of America – Anne Geddes Visa Platinum Card can be an outstanding way for starting to help the poor children. This lets you avail great rates and simultaneously help some unfortunate children.

Perks

The Bank of America – Anne Geddes Visa Platinum Card provides the optional mini card, auto rental insurance, many travel and emergency assistance facilities, purchase protection and many advanced services. No liability for unauthorized Internet transactions and different Internet account related services make the card a great help for everyday expenses.

Richard Gilliland Provides Expert opinions and reviews to help you Compare and credit-wisdom.com Apply for a Credit Card – Compare credit-wisdom.com Credit Card Offers with Credit-Wisdom.com – Unraveling the best in Personal and credit-wisdom.com/creditcards/business-credit-cards.php Business Credit Cards.

It’s so easy to do, it will surprise you. The excitement of joining the world of investing, the opportunity to turn your $500 into millions, and the chance to impress your friends make it irresistible. You don’t know many stock market terms and you have no clue about a productive investment philosophy, but you are ready to go. Are you really? Even if you’re an investing veteran, it won’t hurt to refresh your memory. We’ll start with the basic types of investment strategies: growth investing, income investing and value investing.

Growth Investing
The name says it all; growth investment is the investment strategy of looking for the big winners in the stock market. Growth investors are looking for companies that traditionally have high growing earnings. In theory, high growth equals high stock prices and in turn, high profits. People involved in growth investing take their risks wagering that young, upcoming companies will break through and become leaders in their industry. When you think of this investment strategy, think Google. Google stock is a perfect example of a growth stock, as were many of the technology stocks in the 1990’s.

Many growth companies applicable to this investment strategy started with a dream, an idea and very little operating capital. They were able to overcome the obstacles and become strong profitable companies. Companies like this can achieve initial success but tend to be limited by capital. As they start attracting investors, the results can be very good. This investment strategy offers risk reward ratios that are quite drastic. While the rewards can be very high in growth investing, the risks are high as well.

Income Investing
Income investing is the most conservative and easy to understand investment strategy. Income investors target companies that consistently pay high stock dividends. This is a preferred stock market strategy for those around retirement age. This investment strategy looks for companies that tend to be large and well-established. There is always risk in stock market investing, but income investing is the most conservative investment strategy; in fact it is also known as defensive investing because it tends to protect the trader.

Value Investing
This investment strategy is a search for one thing; investors try to find stocks that have been overlooked by the rest of the market. While this doesn’t necessarily mean they are low priced stocks, it does mean that for whatever reason, the market has undervalued a particular stock. Many times, a stock gets overlooked while investors chase profits in another company in the same stock sector or a similar company that is perceived differently by investors. Technical analysis is important with such companies since an investor doesn’t want to confuse undervalued with underperforming. A value investor can look at the price to earnings ratio as one guide to the value of a stock. The hope of the value investor is that the market will recognize the worth of the company and its stock will be bid up to true value, realizing a profit for the successful trader.

Conclusion
These investment strategies are all beneficial to the successful investor. The significant difference between them is their level of risk. Part of formulating your stock trading plan is identifying your current risk tolerance. It is likely that a younger investor will have a greater tolerance for risk due to a greater time to make up for any losses, while an investor close to retirement might choose a conservative approach to make money yet better protect his or her investments.

candlestickforum.com/PPF/Parameters/1_21_/candlestick.asp candlestickforum.com/PPF/Parameters/1_21_/candlestick.asp

A site dedicated to investing using Japanese Candlesticks.

Consumers are fond of various things: rewards, money savings, time savings, flexibility, financing, etc. All of these things and more are provided by the use of credit cards and debit cards instead of cash. But merchants also benefit from these forms of payment.
They don’t have to wait for the money as if they where to offer financing by accepting checks and they can get the money right away by offering financing for those who would have to postpone the purchase till they raised the money to pay in cash.

Different Reward Programs

Most credit cards offer reward programs. This way they obtain customer fidelity and make sure that the client won’t prefer to pay with another credit card. There are many different reward programs featuring all kinds of rewards. The whole idea is to make presents to the client according to the amount of money he spends with the credit card.

As stated above, there are many different reward programs. For example, you have credit cards that accumulate miles that you can exchange for airline tickets and travel for free. There are also credit cards that accumulate points that you can exchange for certain presents, like house appliances, personal goods, computer stuff, etc.

Money and Time Savings

Applying for a grant used to be a difficult and tedious process. The applications were long and often difficult to obtain. Even worse, loans used to be difficult to locate. Unless you were extremely familiar with government loan programs, in all likelihood, finding a grand and applying for a grant meeting your specific needs may have been nearly impossible to find.

Fortunately, that has changed in recent years. Grants.gov, a web site listing all available government grants, was created as part of the President’s Management Agenda (PMA) and related e-Government Strategy. Grants.gov is one of 24 PMA initiatives devoted to improving services offered by the government over the Internet. According to Grants.gov, the site was created as a partnership with the 26 Federal agencies that offer grant programs. It is organized by the United States Department of Health and Human Services, which is also the largest grant-making agency.

By visiting Grants.gov, it’s easy to see how simple it is to apply for a grant. Gone are the days of preparing extensive paperwork and printed documentation, as well as mailing the paperwork to the agency awarding the grant. Instead, applying for a grant is now done electronically through the site, offering individuals and businesses the opportunity to flawlessly submit a grant application online.

There are five steps involved at Grants.gov in applying for a grant.

1. Find an appropriate grant opportunity in which you’d like to apply.
Visit Grants.gov/search/searchHome.do for specific information on grants available to you. Be sure you meet all criteria, or your time spent will be wasted because your application will be voided in that instance. Jot down the grant’s CFDA Number or Funding Opportunity Number, which will be needed for Step 2, below.

2. Download the application package.
Once you’ve determined which grant or grants you’ll apply for, you’re ready to download your grant application package. Visit apply.grants.gov/forms_apps_idx.html for information. Your first step is to download PureEdge Viewer, which is a free software package required for filling out the application. The software is available to both Macintosh and PC users. Instructions are included as to how to install and use the software. After installing PureEdge Viewer, you’re ready to download your specific application package. Have the grant’s CFDA Number or Funding Opportunity Number for this step, which should have been obtained in Step 1, above.

3. Register with Central Contractor Registry (CCR).
Grant applicants need to be registered with CCR prior to submitting a grant application through Grants.gov. By registering with the CCR, the organization is required to designate an e-Business Point of Contact (EPOC) According to Grants.gov, the EPOC is the sole authority of the organization capable of designating or revoking an individual’s ability to submit a grant application on behalf of their organization through Grants.gov. The CCR also provides organizational information that Grants.gov uses to verify an applicant’s identity and to pre-fill repetitive information on grant application, which will ultimately save you time in applying for a grant.

4. Register with Credential Provider.
Grants.gov employs the use of e-Authentication to ensure the security of your information that is submitted electronically in an application. e-Authentication is done through the use of Credential Providers. It is the process of determining, with certainty, that the person applying for the grant is who they are claiming to be in the application. The Credential Provider for Grants.gov is an organization called Operational Research Consultants (ORC). When you, as a grant applicant, are applying for a grant, you’ll receive a username and password, which is then used to register with Grants.gov as an authorized organization representative, or in other words, as an individual designated as authorized to submit grant applications for your business or organization through Grants.gov. Once you’ve registered as an authorized organization representative, your EPOC is asked to validate the registration. Once your EPOC validates the request, the individual requesting authorized organization representative’s status for your organization will receive a notification via email confirming that you’re not able to submit grant applications electronically through Grants.gov, which is the fastest and easiest way to expedite your grant application.

5. Register with Grants.gov.
As mentioned, when applying for a grant, it is necessary to register with Grants.gov as an authorized organization representative in order to submit a grant application electronically. According to Grants.gov and their instructions file, the E-Business Point of Contact (EPOC) listed on an organization’s Central Contact Registry (CCR) registration will receive email notification stating that the grant applicant has registered to submit grants. The EPOC will then need to log onto the EBiz section of Grants.gov and assign the “Authorized Applicant” role to the grant applicant. Once the EPOC does this, the applicant will receive email notification stating that they have been designated as an AOR and will be able to submit applications through Grants.gov.

While there are many steps involved in applying for a grant, doing so online will move the process along much smoother and quicker than through traditional paperwork applications. The site offers user-friendly instructions and support tools, including a tutorial, a help section, a user guide, a quick reference section, and a frequent questions and answers section. Through this information, most questions and problems are addressed, and where something unusual occurs, personalized support is also available through the Grants.gov contact center.

Rebecca Game is the founder of Digital Women ®, an online community for women in business. A 30 year entrepreneur and dedicated to helping other women find business loans and business grants. Visit her site: grants.digital-women.com” target=”_blank Business Grants for Women or at her main site: digital-women.com” target=”_blank digital-women.com.

The credit score, also well known as a FICO score, is a statistical or numerical interpretation of the information portrayed through your credit file that basically provides a likely window to whether you would pay a loan back on time — the higher your credit score, the higher your credibility in the loan market.

The report is written and generated by the credit bureaus on the basis of the information which they acquire from creditors and the companies from where you obtained credit in the past and other details composing mainly of your past payments, your credit period and the nature of credit that you availed and amounts still due. From this report a credit score is calculated which ranges from a minimum of 300 to a perfect score of 850. The median or average credit score for borrowers in the United States is 723.

This credit score acts as a ready reckoner and a handy mechanism to assess how much risk is involved by providing loans to a potential borrower. The higher the score of a likely debtor, the lesser is the risk posed to the lenders and a higher score also determines the likelihood of obtaining the best available deals and return rates.

The consumers who can manage to maintain their credit scores more than 700 are the ones who are usually charged relatively lower rate of returns, while those having credit scores rising further above 760 are charged the lowest prevalent market rates.

Those consumers having their credit scores below 600 normally have to pay relatively high loan rates. If you find it difficult to manage funds and your credit score dip alarmingly low and the credit score is really bad, you might find it difficult to secure loans from anywhere at all. Most creditors find the credit score of 620 to act as a break-even point.

The scores fluctuate from time to time, because your repayment determines your credit scores. The later your payment is made after a date due; it will affect your credit standings and will lower your credit score. Establishing or re-establishing a good repayment track record of settling the credit bills on scheduled time will help in strengthening your score.

Delayed payments of bills have a very negative impact on your score For instance, someone with an average credit rating of 700 plus can increase their score by as much as 20-25 points by payment of all the bills on the correct time in a given month.

Elevated debts can affect your credit score. Stretching out all of your credit cards to the maximum limits might lower your average score by as much as 70-80 points.

It is advisable that one should not open credit card account that they do not require. Even a closed credit account would still appear on your credit report and may be considered while evaluating your credit score. Every new subscription tends to reduce the average credit account age, which would eventually cut your score down further by a margin of 10-15 points.

Although it is better to have a credit account than none at all because generally, having credit cards and timely repayments in the same will increase your score. Someone who does not possess credit cards, for instance, has a tendency to be at a higher risk than anyone who has responsibly managed their credit cards.

To learn more about credit reports, credit repair, and how you can receive a free copy of your own freeonlinecreditcheck.googlepages.com/free-online-credit-check credit score, come visit freeonlinecreditcheck.googlepages.com/ freeonlinecreditcheck.googlepages.com/, an excellent online credit resource with lots of valuable financial information.

freeonlinecreditcheck.googlepages.com/free-online-credit-check Free Online Credit Check

Copyright © 2007 – Zach Ford – All Rights Reserved

Overtaxed and Underpaid?

How to legally turn ordinary personal expenses into legitimate
Business expenses and put an extra $500 – $600 a month in
your pocket!

Most people think they are paying too much in taxes, yet, very
few people do anything about it.

Then why do most people freeze in their tracks when offered
information on how to reduce their taxes? The three main reasons
are:

(1) Fear of the IRS,
(2) Fear of the time it will take to keep detailed records, and
(3) Not having a full understanding of what is legal.

I felt the exact same way until some introduced me to the following:

First, there’s no need to fear IRS. When you obey the law, there
is no reason to fear law enforcement.

Second, recordkeeping – It’s Not as Bad as You Think!
Spending a minute or so a day keeping records, could
qualify you for substantial tax deductions every year.
Up to $5,000 or more in tax reductions for many people.

Lastly, since the laws themselves allow so many 100%
legal deductions, who needs to take on the risky ones?
Not you, and definitely not me!

Well then…what are these legal deductions and how do
you claim them? That’s a very good question. You must
first understand what the tax system is and how it works.

The United States Has TWO Tax Systems. One for
Employees and a much better one for Businesses.

Employees, or W-2 wage earners, work for someone else.
Most taxpayers fall into this category. They have very few
tax deductions available to them, usually just:

• Mortgage interest & Real Estate taxes,
• Standard deductions for dependents,
• Gifts to church or charity and
• Contributions to a retirement plan.

Usually employees work hard to earn a decent wage.
Immediately lose a huge chunk of those hard earned wages
to taxes. Then they get to live on whatever is left after taxes
are withheld. Not bad.

Now on the other hand…Business Owners, get to write-off
lots and lots of expenses, from rent to phone bills to furniture
to cleaning crews.

Business Owners earn revenue from selling goods or services,
spend whatever they need to on operating expenses to keep
the business financially solid, then pay taxes only on whatever
is left over. Better.

There’s literally thousands of deductions available to Business
Owners. Way to numerous to list here. For full list of deductions
and how you can get your fair share visit itsyoursuccess.com/” target=”_blank itsyoursuccess.com .

Maynard Greene is a Freelance writer and Internet marketer.
Maynard can be reached at 281-416-0204 or mailto:mgreene@itsyoursuccess.com mgreene@itsyoursuccess.com.