• Tips To Successful Market Gardening For The Beginner

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    October 27, 2016 /  Market and Franchise
    Online Business

    Market gardening is a great business, but you need to start with the right information. If you are a beginning market grower, or thinking about becoming one, follow this advice to maximize your market gardening results.

    Successful Market Gardening Tip 1: Grow natural. Demand for organic produce is increasing by as much as 20% annually. And fresh local organic produce commands a premium price with your customers. So don’t compete with everybody else at the bottom of the market; go after the top. Grow better vegetables, get a better paycheck!

    Successful Market Gardening Tip 2: Grow for your end customer. Avoid middlemen and wholesalers and go right to your end customer. You will make and keep more money by dealing directly with consumers. And as a bonus, you will get to know them, find out their likes and dislikes, and perhaps find out other things you might provide them. This is a great way to add a sideline business to your market garden.

    Successful Market Gardening Tip 3: Grow a large variety of crops. If you grow enough different crops, you are less threatened if one particular crop fails to produce. For example if you grow 30 varieties of vegetables and 3 don’t thrive, you are still operating at 90% capacity. Growing a large variety of crops also ‘stretches out’ your season, as different vegetables mature at different times. While the mix will change as the season progresses, aim to have a dozen or so different vegetables ready for sale all the time.

    Successful Market Gardening Tip 4: Don’t grow unless you know you can sell it. For example, while you may love Eggplant Parmesan, make sure enough of your target market will buy eggplant before you plant an acre of it. Observe whats selling at your local farmers market, and grow (mostly) the same things. It’s OK to experiment ponce in a while with an unusual crop, but be prepared to eat the results!

    Successful Market Gardening Tip 5: Remember, market gardening is just as much about the marketing as the gardening. This is the most important tip of the 5. If you don’t believe great marketing is just as important as growing great vegetables, consider this: you might grow the healthiest, tastiest, most beautiful vegetables imaginable, but . . . if nobody knows you got ’em, nobody can buy ’em!

    Marketing is how you let people know about the great vegetables you have for them. And if you are growing really great vegetables, you should be proud to tell them! To be really successful as a market gardener, the marketing has to come first. In other words, you need to know how, where and to whom you will sell it before you grow it.

    Follow these 5 tips to to ‘grow’ a successful market gardening business of your own.

  • Debt Consolidation Is debt doing you part

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    October 26, 2016 /  Loans and Debt
    business Insurance

    Debt consolidation is the art of snowballing little debts into one giant snowman. However, some debt consolidation companies might even make you believe that theyll actually make the loans go away, or carve out such a wonderful deal that you wont even feel the pain of repayment. Some of their promises include a guaranteed reduction in monthly payments or a near zero interest rate. Hello, who are we kidding out here? Its time for a reality check think of them as no more than a bad joke.

    What debt consolidation might do for you, however, is to shift your repayment burden. If you do opt for it, in effect you will be taking a new loan to pay off old ones. Often, the new loan might be secured against some little property you may own, and therefore will entitle you to lower interest rates. Unless youre certain of being able to pay it off, youd do well to seek friends willing to offer you free accommodation once your home is taken over by the creditors!

    Still, you might find debt consolidation a viable solution in case youve run up a huge sum on your credit card account. Credit cards typically carry very high interest rates, and if you choose to take a secured loan to clear off your payments, youll probably have saved yourself a few dollars in interest.

    Assuming that youve decided to bite the bullet, watch out for the usual pitfalls.

    Theres no such thing as an easy loan. If youre what is politely called a credit risk, be sure that no lender is going to dish out the stuff without some pretty stiff conditions. If they make it sound like the loan approval is a done deal, run a mile! Its quite likely that theyre going to charge you some astronomical interest rate, so cleverly packaged you wont even know it.

    Beware of smooth talkers. If the company youre talking to promises to take care of everything, make sure they really do. After all, theyre going to get paid for it if not from you directly, certainly from the creditor. Some companies are known to be slack, and land up delaying payments! When that happens, you go from looking bad to worse.

    Watch out for predatory lenders. Oh yes, they do exist. Some companies wait and watch till a debtor has dug a little hole for himself, before they make their move. At times like these, the debtor is so desperate hell take any quick fix thats thrown his way, even if it comes at the maximum permitted interest rates.

    Since debt consolidation is a double edged sword, in time of need it is advisable to approach the larger or better known companies such as American Debt Consolidation or E-LOAN.But the bottom-line is that you will need to make a fundamental readjustment in your spending habits if you want a permanent solution to your debt problem.

  • Dependent Care Tax Credit for Care of Elderly Parents

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    October 26, 2016 /  Tax and Insurance
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    The short answer is maybe. Every year more and more homes house several generations. The return to multiple generations living under the same roof is because we are living longer and the cost of senior care is skyrocketing to the point that many families simply can not afford the cost of assisted living or nursing home care. The result is role reversal where the parent is now dependent on the child.

    This change in household dynamic is causing many taxpayers to ask if their aging parents are deductible and if so how. The IRS offers the Qualifying Relative Exemption which has 5 basic rules that must be met in order to qualify:

    You or your spouse may not be a dependent on another return.

    Your parent(s) may not file a joint return.

    They must be a citizen resident alien of the U.S., Canada or Mexico.

    You must have provided more than half their support for the year.

    They must have a gross income that is within the exemption limit

    For federal tax purposes Social Security is not considered taxable income, this is especially true if it is the only source of income they have. Now that your parent qualifies as your dependent you can add their medical expenses to your own for the purpose of qualifying for the medical expense deduction. Minimums apply and are based on your income so be sure to check the rules.

    Head of Household may be available to you if you are not or were not married for the tax year according to IRS regulations and you paid more than half of your parents household expenses. This applies even if your qualifying dependent parent does not live with you.

    Physical or mental disability can occur at any age and if you parent becomes disabled and they qualify as your dependent you may be able to take advantage of the Dependent Care Credit. There are regulations that apply; “An individual who was physically or mentally incapable of self-care had the same principal place of abode as you for more than half of the year, and was your dependent” Unlike the Qualifying Relative Exemption your parents filing status, income or whether you are a dependent on another return does not matter.

    Working or looking for work require time away from home which probably means paying for care for your disabled parent and the Dependent Care Credit. This credit is usually a percentage of your cost of required care, that which you paid a care provider. Naturally there are rules; the care provider cant be your spouse, your child under the age of 19, or yourself. You will also be required to provide the name of the provider and either their tax id number or social security number.

    Be sure to check the IRS website for updates, rule and eligibility changes before completing your return. Still confused contact a reputable CPA with the details about your particular situation.

  • Professional Athletes With Tax Debt Problems

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    October 25, 2016 /  Loans and Debt
    raise money small business

    Darryl Strawberry
    Dodgers star, Darryl Strawberry first got in to trouble with the IRS in 1994 when he was put under investigation for tax fraud. The IRS tacked him with tax evasion, and he had to pay back $350,000 in back taxes, serve 3 years of probation, six years of home confinement, and complete 100 hours of community service.

    2. Lawrence Taylor
    Former Giants linebacker, Lawrence Taylor filed an incorrect federal income tax return back in 1990. Taylor pleaded guilty to the tax charges in 1997, and was punished with three months house arrest, five years probation and 500 hours of community service for income tax evasion.

    3. Pete Rose
    Baseball favorite, Pete Rose, also got in to some trouble with the government in 1990, when he filed a false income tax return. Despite his celebrity status, Rose was sentenced to five months in a correctional facility, three months in a community treatment center, 1,000 hours of community service and a $50,000 fine.

    4. Helio Castroneves
    The recent controversy around Indy 500 racer Helio Castroneves and his supposed $5 million tax debt has shed light on the tax problems sports stars can get in to. He is currently being tried for evading taxes on a licensing deal that he claims to never have received a dime from. Only time will tell whether the Indy 500 and dancing with the stars celebrity actually committed the tax crime.

    5. Willie McCovey
    Hall of Famer Willie McCovey, like many other athletes who ran in to tax trouble, did so by forgetting to claim cash made during autograph signing. While McCovey pleaded guilty to the crime, he also claimed to have committed it unknowingly, since he had a professional handle his accounting. He was sentenced to two years of probation and fined $5,000.

    6. O.J. Simpson
    Although infamous for more than his athletic abilities, O.J. Simpson upset the IRS enough to be put on the California tax shame list. His tax debt was over $1.5 million, and he stayed on the list for more than a year.

    7. Jesse Owens
    The late 1930s Olympic winner Jesse Owens got himself into trouble with the IRS. After the Olympics, Owens tried multiple business ventures in the United States to profit off his newly found fame. However, one of his ventures lost Owens a fortune and rendered him unable to pay his full tax liability. As a result, Owens was forced to declare bankruptcy.

    8. Boris Becker
    Famed tennis player and bad boy, Boris Becker, ran right in to tax trouble when it was discovered his apartment was not his priority residence, as previously claimed. As a result, he was given two years probation, fined $500,000, and ordered to pay expensive court fees.

  • Writing An Effective Hardship Letter To Avail Loan Modification

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    October 25, 2016 /  Financial Plan
    Online Business

    A hardship letter is the most important piece of document required to apply for loan modification. Its substance and validity will make or break an attempt for a loan workout. This is a letter basically contains an explanation why there is a difficulty of settling mortgage amortization. It is only fitting to compose this letter carefully.

    When writing a hardship letter, its important to remember to keep it short, concise but not arrogant. A one to two pages maximum letter is strongly advised. Take note that a lender does not have the luxury of time to read a novel-like hardship letter. This letter serves as outline of ones difficulty to pay for periodic amortization, so it should be direct.

    Like any letter, begin with a proper salutation, use font type and size reasonably easier to read. Letter size or 8.5 by 11 inches will be the papers size; otherwise an A4 sized paper can be used.

    Bear also in mind that there is a clear definition of the term “hardship” for availing loan modification. Such hardship should fall under listed by mortgage lenders. Such as bankruptcy of business, immediate relocation, or divorce from a spouse who is the co-borrower. There are still more to this, to be sure homeowners should check with their lender.

    In the actual writing, the first sentence should tell why such letter is written. This may include the explanation that after all possible ways were exhausted theres still failure to meet with mortgage payments. Much of this should be in the first paragraph of the letter.

    The second paragraph should describe the events that affected failure to make regular payments. This description should be done tastefully without being overly dramatic. Overly thought out explanation might appear deliberate and fake. Additional paragraph might be added to explain the intent for loan modification pursuant to financial difficulty.

    It is also wise to give approximate, if not exact, duration of the hardship period. This will be the basis for the mortgage lenders to get a head start with its response for loan modification. The last paragraph should emphasize the desire to settle the loan, but asking for leeway, for the time being.

    Then end the letter with parting words hoping for a loan modification, which will be favorable to both parties. It is also wise to mention about attachments to the hardship letter, which are proofs of financial difficulty claim.

  • Stock Trading With The Wizard

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    October 22, 2016 /  Forex and Trading
    Starting a Business Without Money Advice

    The Wizard is a simple and powerful market timing and investment decision making system. It is a very precise system that gives you exact entry and the exit prices. It allows you to stay on top of the market with its revolutionary trend indicators which show you the best and worst picks every day.

    There are a number of stock programs available. However, The Wizard is the only stock 10 that is designed to help you make money regardless of what the market is doing. The Wizard gives you the power to make well-informed decisions quickly. It uses clear buy and sell confirmation signals, helping you make trades more easily.

    One of the best things about The Wizard is that it is fully automated. It enables you to focus on your trading (rather than wading through hours of analysis) because it presents you with a list of your best choices for trading. This software helps keep emotions out of the decision process and helps you focus on your stock trading strategy. Based on the settings you choose, the stock trading software can help you in a number of areas including dollar risk control, identifying channel breakouts, generating high probability mechanical buying or selling signals, and forecasting new tops and bottoms.

    There are day trading software packages that offer technical analysis as well as helping with charting your stock, futures options and trading in the Forex market. A day trader needs access to current information about the rates of currencies, stocks and futures. Some people have the misunderstanding that day trading is riskier than swing trading. However, factually the day traders exit their positions by the end of the day, so their risk is highly reduced as they are not responsible for any losses occurring due to overnight events.

    trading software will make your life easier by giving you the tools you need to buy and sell the stocks online effectively. You can attend free online stock trading sessions and make live trades with direct online access. You can also use the stock picking software to get suggestions for which stocks have strong profit potential at any given time. It will help you compare the potential of different stocks to select the best one from the candidates

    If you want a simple way to learn how to trade and pick stocks effectively, refer to anytime for help and advice. It offers you everything you need for successful investing.

  • No Fault Auto Insurance Policy Is Available Through Waterford Insurance Corporation

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    October 22, 2016 /  Tax and Insurance
    Small Business Loans Industries

    A pit bull insurance law has been proposed in Tennessee. On March 16, WBIR reported that a State House committee will discuss the proposed bill that have pit bull owners paying for liability insurance. Since these particular pets have pretty bad reputations, this bill makes believe. However, pit bull owners know better and think this bill is pretty ridiculous.

    Dont get hold of sports car for your teenager. Even though you didnt have one growing up, it is the reason why you obtain one with your teenager. Have the teenager a safe car to operate with one of the most safety equipment.

    Mileage is also important so be aware of of this by evaluating your instruments panel. May not precisely how to choose old automobile is but insurance companies also assess the wear and tear your vehicle has undergone too.

    If you enter any incorrect information that the insurance company uses to calculate your quote you could be liable for any damages. Quite simply they can deny the claim if ever the information had not been one-hundred percent accurate.

    The slump is said to be part in the motive in this scam developing. It has enforced visitors turn into corruption, con gets committed & the premiums increase. Unluckily, the good one suffers.

    No fault auto insurance doesn’t really mean no fault insurance you the insured individual. Oh, sure, the parties a good accident have their claims covered no matter who was at faults. But there are repercussions, which stem completely from a resolution of who was at error. First, if car insurance companies (yours along with the other driver’s) decide an individual were at fault, may have to the deductible on your policy via pocket. Second, you will see your premiums rise next time your automobile is restored.

    They will ask a few basic questions and anyone quotes completely free. Unfortunately, since he’s not with Banana Republic you’re only going to get a 50% savings, and you are paying bucks.20 more for your bananas. The website provides several competitive quotes for various types of personal and business insurance, and is a paramount weapon all of the arsenal of negotiating for optimum prices hosting or business insurance. A contact form to fill out, so do not disclose information that should be kept n individual.

    Its easy to find to be able to insure your motor vehicle affordably by means of the Internet to research various options or procedure . added to ones parent’s rules. Remember, its important to obtain enough coverage, so that accidents in order to be fully covered and by using a minimal amount of frustration for both sides.

  • Spawn Bank Accounts could solve world hunger

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    October 21, 2016 /  Money and Bank
    themed around money and business success

    The problem as I see it is that trying to raise funds to try and stop world hunger is somewhat a futile endeavor. Not that it is not worthwhile cause, but that the way the funds are allocated and used are not correctly utilized or implemented. The funds are not even replenished correctly in my point of view.

    The Solution
    What if donations are collected and saved in a bank account and not touched by anyone. But instead use the interest to spawn new bank accounts and use the interest from those spawned accounts to help fight world hunger. The idea is to use the strength and weakness of currencies as an advantage. .

    Step 1
    Create a main bank account in a country with the strongest currency. Then obtain, request, and save funds into this bank account. But most importantly never withdraw money from this account, only use the interest earned from this account for step 2. Hopefully the funds in this main account will be large enough for this to work, maybe an amount above 1 Billion would be sufficient. Then, in the same country with the strongest currency create bank accounts for every country to be used in Step 2. Also create bank accounts locally in the selected countries to be used in Step 3.

    Step 2
    Every month transfer interest earned from the main bank account into a selected countries bank account. Then select another country for the next month. Then if all countries had been given interest from the main account, create a new cycle of selection.

    Step 3
    Every month transfer interest earned from the countries bank account from the strong currency into a selected country’s bank locally. Then use the money in this local bank account to feed the people in the selected country. Remember that money is transferred from a strong currency, and because of this more money will be available to feed the people – Hopefully.

    Additional notes:
    If 5 Billion could be saved/raised, then the interest could be split monthly between 5 countries.
    If 10 Billion could be saved/raised, then the interest could be split monthly between 10 countries.
    Thus the more money could be raised/saved, the faster the benefits will be seen.

    Author Bio:
    N.G van der Westhuizen is a software developer currently working on an open source Lotto database application.

  • Tips To Save Money When Building A New Home With Sydney Builders

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    October 21, 2016 /  Money and Bank

    Many banks and lending institutions are afraid to lend money these days for new home construction, as a result of the economic downturn we are in. It wasnt long ago that these same banks were lending cash left and right and it was in to build huge, elaborate homes.

    There are many costs associated with constructing new homes or businesses and Sydney builders want to help answer the questions many homeowners have. One of their biggest questions is, How do I save money on my building costs? Sydney builders as well as Sydney commercial builders have five very good suggestions for homeowners. Their first tip is to find a honest realtor to assist you buy the best piece of ground for your needs. The right realtor, according to most Sydney builders, will help you find land with drinking water accessibility, sewer rights as well as assist avoid other overblown expenses so you can save money.

    A good builder would tell you the facts; its less expensive to build the same square footage home in a two story as opposed to a single level home. Its less expensive to build up than out. One of the reasons for this is because a single level home will have to have a much bigger foundation and roof compared to the same on a two story home. You must even need to consider the fact that, it actually takes a very less space to build a two floors and it will also work better in the sloped area. You can save somewhere between $10,000 and $20,000, and still have the same amount of living space.

    You are very well aware that you will love to own a lot of room but having the least amount of building done would cost you very less, and above all you also know that the first and the primary concern of yours will be saving money. Think in terms of square footage and all the amenities required. You could modify the plans or have changes made when the building is going on and these changes will not cost anymore up front than later on. The popularity of going green in any type of construction will save you thousands of dollars. Sydney commercial builders will point this out when it comes to your business building needs. The same is true if you are having a home built, Sydney builders would tell you of all the tax and energy saving ideas that green products will bring to you when you choose items with the Energy Star labels.

  • The Reason Why You Need A Car Finance Broker

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    October 21, 2016 /  Financial Plan
    raise money small business

    Car Finance and Broking

    The abundance of available options today in the car finance market really makes it difficult for anyone to put their trust and money within reach of one. In the post-recession period, the market specially the investment and finance market remains to be struggling to cope up with the massive losses they incurred when the meltdown happened. After that, financing institutions and firms happen to have been a stricter with policies and regulations and that is what makes it even more difficult for individuals getting a car.

    In the part of youngsters wanting to buy a car using their own money , they seem to be more helpless with the situation simply because that they lack any credit score to back them up. This is due to financial companies fear that they will not make it to pay the loans they grab as time passes. As you see, even those people who are already working or persons who have retired find it difficult to obtain a car finance if they will not hold a trusted credit sheet.

    Come to think about the scenario if car finance brokers are not in the way. They are the who make everything in the car finance market simple for you in exchange for a commission as soon as the work has been done. This is any day far better than dealing with mounds of documentation with Greek terminologies in them and jargon which simply tangent off your head! Furthermore, car finance brokers ensures that you’ll never fall into the wrong company who unexpectedly changes rates after closing the deal with them.

    Best things about Hiring A Car Finance Broker

    – Helps save effort and time from attending long meetings and discussions with some other financial companies.

    – No seeing the bank for help often.

    – Let you rest assured that the option you select among the other options he present you with are of complete transparency.

    – Any part of the documentation you’re uneasy with or do not understand will simply be made understandable to you.

    – Helps you worry not get an ideal car finance even when you have no or bad credit score.

    – Unlike from approaching car finance alone, you’ll never be rest assured that you will get the best among the best deals offered.

    – The question of whether you will get a broker for your car finance or not all depends on you and also your money.

    The world wide web is a good place in which you can start searching for a good car finance broker. Remember, the world wide web is today’s new marketplace. After you have a good car finance broker, just be sure you arrange a meeting with the representative and proceed with all your plans of buying the dream car that you always desired to!