Overcoming Tax Preparation Huddles

Tax preparation is a simple and straight forward exercise for taxpayers who have all the required documents and information. However, many taxpayers seem to always find themselves in a sticky situation every time they get to prepare their tax returns. Below are some of these common tax preparation challenges and tips on how you can get around them:

  • Missing Information – One of the more common issues when it comes to tax preparation is missing documentation. These documents include W2 forms, 1099 forms, charitable donation receipts, and receipts for qualifying medical expenses. For W2 forms, one can request his or her employer for a copy of the forms. You can also request the IRS to send you a copy of the W2 forms. You can request copies of the 1099 forms from the issuing institution. Many of these institutions may also have a downloadable 1099 copy on their website.
  • Time Limitations – Another major tax preparation issue is running out of time. One may not have enough time to compile the tax documentation and prepare the tax returns. You may consider hiring the services of a tax preparer to handle your taxes. However, if it is nearing the tax deadline and you have not yet identified a suitable tax preparer to handle your taxes, you may consider filing for an extension to give you more time to prepare the tax return (until October). However, you must ensure that all due taxes are paid by the April deadline to avoid interests and penalties for late payment.
  • Submitted Form with a Mistake – If you discover that you made a mistake on your tax return form after you have already submitted it, there are options to have the error corrected. If it is a mathematical error or other simple errors that may not affect the due taxes, the IRS will most likely make the correction on your behalf. However, if it is an error of wrong amounts included or of omitted entries, you may need to file an amendment. To file an amendment, you can download Form 1040X “Amended U.S. Individual income Tax Return Form” from the IRS and file it. Filing an amendment will delay the processing time and you may have to wait a little bit longer before getting your tax refund.
  • Do Not Have Cash to Pay Due Taxes – If upon prepare your tax returns you discover that you do not have enough money to pay the due taxes by the deadline, do not get stressed – there are flexible options for settling the bill. You can file for an Installment Agreement (IA). This way, you can pay off the due tax bill in insta;lments over a period of 6 years. However, you will be charged interest and late payment penalties. You can also request for a 90 day extension to raise the funds.
  • Did Not Attach a Check – If you discover that you filed the returns and did not attach a check for payment of taxes, you can still send the check separately. To do so, you will need to attach Form 1040-V, “Payment Voucher” and indicate your personal details, and the tax period being covered by the check.

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Atlanta Real Estate Licensing

Atlanta is the capital, as well as the largest city of the US state of Georgia. A business hub, it plays host to the headquarters of Coca-Cola, CNN, Ford motor vehicle and Lockheed aircraft assembly plants. A city such as this, buzzing with activity is bound to have a substantial real estate scene.

The real estate industry in the state of Georgia is very organized. Anyone aiming to earn a living from real estate needs to have earned his license from the concerned authorities. The license law pertaining to the real estate industry in Atlanta is administered by the Georgia Real Estate Commission.

The first rung of the ladder is a real estate salesperson license. The first and foremost requirement for this is that the applicant must be at least eighteen years of age. High school graduation or a GED is essential. All applicants are also required to submit a GCIC – Georgia Crime Information Report, which can be obtained from the local sheriff’s office or police department on the payment of $25 as fees. If the applicant has any legally binding social obligations like child support payments he must take care to see that they are paid on time.

An additional educational requirement that a real estate salesperson needs to have is the completion of seventy five hours of an approved prelicensure real estate course. As an alternative to this, ten quarter hours or six semester hours of approved education courses at an accredited college or university may be considered.

The second rung of the ladder is the broker license or the associate broker license. Similar basic educational qualifications and legal requirements as for a salesperson are required for a broker too.

After passing the exam, license fees are to be paid to the concerned authorities. This fees amounting to $170 covers four years of licensing. The fee rates go up if the license is not applied for within three months of taking the exam.

Membership with organizations like National Association of Realtors and Association of Real Estate License Law Officials and the like can help strengthen careers in Real Estate.

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How To Market My Business Effectively From Scratch

Marketing is like an unspoken language. Anything can be marketed and success can be achieved once done effectively. The desired effect is obviously success so let us work backwards for a minute. That can be achieved by having a flexible plan that has a starting point and an obvious ending. As you have gathered by now, it includes a plan. In the beginning I spoke of marketing being like a language. In any language communication is key. Same thing in marketing. Communication is key. Most people don’t like being talk down to. It can be condescending. Talking ‘up to’ has a similar effect. Most people prefer someone who speak ‘with’ as oppose to at. A good communicator should have an excellent command of the English language and uses words that don’t need a person to have to ‘look them up’ in a dictionary. Simple word that have the same meaning as their bigger cousins. The art of communication is the essence that flavors a good communicator. Something that forms the core of any good marketing campaign. It can make you or break you. An part of any well structured marketing agenda. Notice i said ‘agenda’ as oppose to ‘plan’ because i firmly believe that a plan is an idea as oppose to an agenda which is a course of action. We have now changed directions from having a plan to having an agenda so let us go ahead.

The marketplace is dotted with several ‘mom n pop’ businesses that have sprung up overnight. I commend this bold move and know that our support is needed if they are to stay in business. That is why i am devoted to lending my marketing skills in this way. Perchance someone reading my article can be inspired and pick up one or two points.

Google is indeed a great web search tool. It is my choice but others tend to disagree. They use Yahoo, Bing etc. To each his own. There are a number of searches to make before the marketing process can begin.

1. Find an inexpensive web building site equipped with domain name and adequate hosting capabilities. There are several options available. Be very diligent in your search and eventually you will make your goal. The expensive way is to retain the services of a professional web site builder. This is advisable if the degree of difficulty is great. Remember, ‘ a stitch in time saves 9’. Time is precious and for some, time is money. If you choose to go the second route, make sure that you choose the right Template and the proper color schemes. One that is inviting and user-friendly and does not ‘ lose ‘ the message in the process.

2. Naming the site is important. Choose words that adequately describe what you do. I can not stress this enough as this not only describes your function but serves to put you higher in the search engine ranking. You are on your way. Meta tags and spiders are terms that you should get used to as that is the means by which your website is found by search engines (on Google, Yahoo, Bing etc). To enhance web Site Optimization, certain ‘ key words’ are used on your site and in your title. As i said before, the use of these words or phrase are key on your site as it increases your chances of being found thus increasing traffic to the site, giving you a better Marketing presence. Persons who do this function are referred to as SEO’s and are very prevalent in today’s marketplace. Their job is to propel your web site to ‘the top of the class thus maximizing on all Internet traffic. IT is another department you will notice. Their function is basically to pinpoint Internet trends and point you in the right direction. Personally, I don’t care for neither (SEO or IT) as a good marketer should embody both skills.

3. This section has a lot to do with content. It has been proved that sound and pictures (Pinterest) are by far the most effective ways of grabbing someones attention. The old saying that ‘ a picture paints a thousand words’ is true. Having grab someones attention is only the half. Keeping it seals the deal. In today’s world, too much reading serves as a distraction. Being straight to the point and not being long-winded is key.

As you can well imagine, there are various ways of Marketing. Internet marketing is by far the newest and most effective. It embodies several forms of internet usage. The most important and more widely used is e-mail marketing. Marketing to many is merely getting the word out and is often confused with advertising. There is a thin line that divides the two, however there is a line.

One of the most important factors to consider is the product itself. Several questions have to be asked.

1. What is the product?

2. Who does it appeal to most (primary market)?

3. Who make up the secondary market and tertiary (third) markets?

Just like in advertising, Who,What,Where,Why comes into play.

Once markets are identified, THEY ARE FURTHER SUB DIVIDED into Male / Female, age groups and sometime demographics. Sometimes it is better to work from the inside out (this is called Niche marketing). Starting from the core and working out. Sometimes it is better to use several means of marketing / Advertising to get the message across. For example, a concise Internet program coupled with a good flyer campaign and the good old word-of-mouth or in some areas TV and radio with news paper. As you can see the Marketing campaign depend on several things and demographics and advertising availability has a lot to play in deciding your course of action.

A marketing budget should go hand in hand with an advertising one. They are inseparable and carry the same aim except that the marketing budget is geared towards the business and its product. The advertising budget is geared towards exposure through promotion. Having tried to draw the line, i must admit that i am sometimes confused about the two however I never lose focus.

Marketing is truly an art in itself and when you realize that anything can be marketed (a person in Dubai is selling small plastic bags of New York garbage to those who can’t go to NY. Small pieces of the Berlin wall are even for sale). Once it exist, it can be marketed. The old saying that a man’s garbage is another man’s treasure is so true.

Niche Marketing as mentioned earlier is as it describes, ‘niche marketing’. It involves finding that core of supporters that are supportive or appreciative of your product and who is directly responsive to it or your ideas. A niche can be anywhere but when it is established / found, it should be exploited and given the chance to grow exponentially. The beauty in marketing is that every product has its own niche and they often overlap with other niches. This makes the marketing process exciting and an adventure often leading to collaboration or cross marketing opportunities.

Advertising as i alluded to before, goes hand in hand with marketing. Several social media web sites like Facebook, twitter and the like allow a certain degree of ‘free’ advertising among clients but cater to paid advertising ‘en mass’ on a bigger scale. The ‘per click’ system allows you to control both your audience and your budget. Much like Google Ad Sense among others. The best form of adverting today is ‘celebrity endorsement’.

We are creatures of habit and it has been prove that just like sheep, if the ‘top ram’ chooses it, we will follow. We play a game of follow the leader that advertisers know very well. ( I guess we have learned since back in the times of Noah’s Ark)

It has been a pleasure sharing my limited knowledge on the subject with you and hope that it helps in your endeavors.

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I Need a Payday Loan Immediately – Payday Loans Guaranteed No Fax

“I Need A Payday Loan Immediately” – this is a common statement these days which people say when they realize that they need some cash urgently. Financial hardships and emergencies are the main factors that are making payday loans very helpful to anyone who finds themselves in this situation. In most cases, you need the case very fast, and therefore you look for a quick and guaranteed loan approval with no or minimal paperwork such as faxes.

Payday loans are meant to provide a relatively small loan on a short-term basis to anyone who is running short of cash, which may be needed to meet some urgent financial expenses. Most of these pay day loans require you to submit post dated checks while borrowing the money from the lending companies or financial institutions. Thus, these loans provide short-term solutions for meeting any of your financial needs. However, today there are companies that can provide you with a payday loans quickly and without needing a lot of paper work to be done.

Need for Pay Day loans

Many people opt for pay day loans as it gives them the unique advantage of securing easy finances when they are in need of some quick cash. If you have to meet any unexpected situations in life, then these loans can be your savior, especially in times of medical emergencies or accidents when you may require cash immediately to meet your financial needs.

The best part about cash advance loans is that they can be used for meeting your everyday expenses and can be repaid back on your next payday. Unlike other loans, a cash advance payday loan does not entail a tedious process of checking your credit history and the process is much faster with the money being deposited into your account within 24 hours. Besides, it is a safe and secure way of conducting financial transactions as your personal information is not shared with anyone. At the same time, you can avail the benefits of receiving short-term cash from $50 to $500, which is excellent for covering up your financial deficit.

Applying for a online payday loan

It is very easy to apply for payday loans with the increasing number of online options which are available today. However, the loan applicant must satisfy certain conditions to avail the benefits of these short-term loans. The person needs to be employed and must have a stable job which provides him regular income and he has to prove this by giving copies of pay stubs to the lending company. Besides, the person has to be above 18 years of age and a citizen of the United States and must possess a bank account to allow direct deposit of money into his account. To prove that you have a bank account, you may have to provide deposit slips at the time of applying for these kind of loans.

Online payday loans are easy and quick to apply, as they require you to fill an online form by furnishing all the required details, which is matched to a lender who can process your loan request. Generally, a loan representative is appointed to look after your case, who gets in touch with you to verify all the details submitted in the form. Once the verification process goes through smoothly and the loan is approved, the funds are directly put into your account on the next working business day. Using payday loans means you can avail of quick cash to meet most of your short-term financial needs.

Today, several companies understand that people need payday loans very fast, that they need a high approval rate and guaranteed approval, and they don’t want to waste time doing a lot of paper work. As a result, it is increasingly easy and fast to get a payday loan online. If you need a payday loan immediately, use only the best companies that offer you the best deal.

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