How to Have Some Christmas Fun in the Sun

The holidays may have some people singing “let it snow, let it snow, let it snow.” You won’t hear that in in Southern California.  It hasn’t snowed on Christmas in like, never.  The thought is so foreign, gifts from PacSun are more common than knitted ski caps and wooly mittens.  Oh, yes, it does get cold in Cali, and it rains, too – contrary to popular belief, but when it comes to Christmas Day, it’s likely to be 80 degrees.  You’ll see Santa all right, he’ll be the one hanging ten from his surfboard off the coast of Venice Beach.

Seriously, all the holiday traditions are observed in L.A.  Some communities even bring in fake snow and ice rinks to try to emulate the feeling of a white Christmas.  They even have temporary petting zoos.  But there’s something wrong about seeing a reindeer in Malibu.  Still, the children love to see Santa and ask him for toys and goodies just like they do all over the world.  For those in the know, a gift from PacSun is what’s up.  After all, the company started in sunny California decades ago, and since then have been a leader in casual sportswear, and of beach and surf wear in particular.  California lifestyle wear might have grown up elsewhere, but it was born at PacSun.

They have all the sneaks, sweatshirts, iconic hoodies, and graphic tees you’d need to put your shopping list to bed, and you can have all the looks for less when you use a money saving Groupon to purchase them.  You can save 50% off Vans shoes and sportwear, you can save 50% off PacSun merchandise, you can save 50% off end of season items, and get free shipping with a qualifying purchase.  You can even save as much as 70% of clearance items.  And believe it, a clearance item from PacSun is better than many items from other retailers.

So don’t feel stumped for gift ideas this season.  Search Groupon for the money saving deals they offer, then head over to the PacSun site and shop until you drop.

Top 5 End-of-Year Tax Strategies for Small Businesses

Navigating the tax refund season is harsh for every company, but small businesses are exceptionally vulnerable as it pertains to dissecting tax issues and making optimum decisions for financial health. The time to take into account tax season is not at the first of the entire year — it is all year long, and these five strategies can help any small company plan for a more comfortabletax season with fewer headaches.

Make managing your taxes a priority.

Traditional tax planning involves endeavoring to speed up deductions and credits while deferring income. Many taxpayers are cash-basis taxpayers, meaning they get to deduct expenses when the expense is paid, plus they have to declare income when payment is received. Therefore, expediting charge payments while deferring income payments can improve the current year’s taxes position.

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Keep in mind that the inverse is also true. If the business anticipates more significant earnings in 2016, it is wise to gather income this year and wait for deductible expenditures until 2017 to brain off an undesirable situation for 2018.

Invest in retirement life now.

If you own a tiny business, you can create retirement plans that take benefit of tax refund rules to maximize personal tax savings now and retirement cost savings later. Rather than trying to tackle the intricacies of setting up a retirement plan yourself, talk to a professional. You will discover a wide variety of options — 401(K), SEP IRA and SIMPLE programs — that it is worth having a trained expert to help you understand the machine and choose an ideal option that will aid both your business and personal financial health now and in the future.

Understand taxable versus untaxable fringe benefits.

Fringe benefits such as a company car, subsidized dishes, and insurance can be considered a great way to cover services and enhance a far more enticing employee deal. However, these fringe benefits are taxable almost all of the time — unless they are specifically excludable for legal reasons. Knowing which fringe benefits linger outside the taxable realm can reduce the tax burden every year. Whenever your business understands which benefits load up this double punch, you can save money on payroll taxes. The tax refund for every is a little different, so it is essential to choose the right fringe profit investment for your own company.
see more :https://en.wikipedia.org/wiki/Taxable_income

Find the metallic coating in damage.

Most small businesses conclude with net operating losses (NOL) during the first few years of operation. A net running damage means tax deductions are higher than the taxable income, which usually happens when business expenditures have exceeded revenue. Though this feels like bad news, NOLs can be used to recover past tax repayments and reduce future tax repayments. NOLs can create tax relief by applying loss to previous payments and receiving a creditor by applying the net loss to future taxes. The rules vary based on your business, so focusing on how to work them can have a huge impact.

Invest in counsel to gain your business.

Tax planning must not be an end-of-year scramble. Instead, it should involve a consistent, yearlong dialog with your taxes legal professional or accountant. It is better for your business’s continual health — as well as your sanity — to work with a specialist who can offer valuable counsel on some selections you make over summer and winter that can dramatically change your tax refund situation. Whenever you establish a romance with a tax advocate, you are less likely to face audits and much more likely to save significantly as your business increases.

 

Tax Return Ideas

Tax Return Ideas

When it comes to doing our taxes, the vast majority have already paid our taxes, and then some. Unless you have special circumstances attached to your job, such as being a private contractor, your taxes will be automatically deducted from your pay each pay period, and we usually end up over paying. The good news is that this trend has spawned an interesting pseudo holiday in the form of receiving your annual tax refund. Tax refunds are pure disposable income for many, because it’s money they already spent in the first place, so it tends to feel like more of a gift. This can create some unique opportunities for us. Here are some ways you can use your tax refund to do something special.

First and foremost, many of us use our tax refunds to pay for a much needed vacation. This can be a huge help to those of us under duress, and it’s like a breath of fresh air to most of us. If you’re in need of some vacation ideas, I’ve got you covered. First of all, you’ll want to book a motel room with Motel 6, along with a flight, if needed, and possibly a rental car, depending on your destination. As for the substance of the trip, you might consider a trip to the beach. Beach trips are the time honored default vacation for a reason. It plays to the strengths of the Summer season, but it also offers you a way to beat the heat, so it’s the best of both worlds. The type of vacation you would need depends on the type of person you are, but a trip to the beach is hard to beat. (ch, lol)

Another way to use your tax refund is in a more practical way. For example, you could use the extra money to buy some things that need replaced or repair that are on their last legs. These situations typically arrive for all of us at one point or another. You’ve been dealing with sub optimal conditions for a long time, because it’s hard to feel like you have the money to spend. The surprise free money mentality surrounding tax refunds is perfect for this situation, as it’s kind of like a gift from above to fix the problems that have been stacking up throughout the year.

Whatever you choose to do with your money is, in the end, up to you, but make sure you do something special for yourself. Whether that be practical or recreational, it’s simply your money held back for a special occasion, intentionally or not, so make it a special occasion

4 Ways to Use Your Tax Refund to Get Ahead

Getting a tax refund back is always a bonus, especially if you are going to get a large sum of money back. However, the one thing that you need to know is that you can use the refund to get ahead on life or just to ensure that you have more money at the end of the month. There are many ways that you can use your tax refund to get ahead, but these are just the top four ways that everyone can consider.

Pay off high interest debt

When we are making debt, we don’t always consider the amount of interest that we are paying as well. And, this is normally these high interest debts that are making it hard to get debt paid off.

The number one thing that you can do when you are done with your tax return and you are going to get a large sum of money back, is to pay off as much of this debt as possible. If you don’t get large sum money back, you might want to pay at least a good portion of the amount owe, back.

Invest in yourself

When we are saying that you should invest in yourself, we don’t mean that you are going to spend lots of money on clothing and technology that you aren’t going to use for a long time.

The investment that you are making in yourself is actually going for a course and to improve your qualifications. This is going to ensure that you are going to get more money that will ensure a better lifestyle and getting ahead in life. This is something that you can do, no matter how much you are going to get in a tax refund.

Doing home repairs

Home repairs are expensive and not everyone can do this every day, or when there is a large problem with the home.

By using your tax refund, you can repair some essential home repairs. This isn’t really wasting your refund, but making an investment. The more upgrades you are doing in your home, the more the value of the home is going to increase.

Contribute to your retirement plan

People that have a retirement plan can use the money after tax return, to contribute to your retirement plan. Too many people don’t contribute enough and they are ending up struggling with getting enough money for the day that you are going to retire. This is something that happens to people all over the world. And, it can be prevented by only contribute to the plan a lot more.

There are many ways that you can use your tax refund to get ahead in life or just by getting ahead in the New Year. If you are using the money correctly, you will most definitely have more value for money at the end of the day. It is important that you are going to make sure that you are using your tax refund wisely and make every cent count.

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Tax Refund

What Are You Doing With Your Tax Refund?

My wife and I love tax refunds. It feels like free money to us. I know we paid into it all year, but compared to everything else coming out of our paychecks, we barely notice the small amount we overpay on our taxes from week to week. But, man, there is just something about the government sending me a check that feels so good.

In the past we have gone on vacation, remodeled a bathroom, or sometimes we each take a couple hundred and do something fun and squirrel away the rest. Whatever we end up doing, I still enjoy what feels like a splurge for us on Uncle Sam’s dime.

I know a lot of you feel the same way and like to spend your refund check on something for which you otherwise would not have found room in the budget. Something that you have been meaning to buy for a while. Maybe something that some of your friends already have and keep telling you that you need to buy.

Life Insurance. Did you know that you can pay a year up front for your life insurance? So, if you want to buy life insurance sometime in the next month or so, you can just pay for it out of you tax refund every year. Don’t worry; you do not need to sacrifice your whole refund. You don’t even need to pay that way every year. You can pay a year up front this year and next year if you want your refund for something else you can switch to a monthly plan. visit their official posts at http://www.sdgoldsmiths.com/use-your-income-tax-refund-for-debt-consolidation/ for additional tips.

How much are we talking here? It all depends on you and your needs. Right now, for $1000 a year I can get a 30-year-old male $862,000 in Term Life or $200,000 in Whole Life, but we would probably do a blended plan after sitting down to discuss the needs of that person and his family.

You want to wait until next year? Okay. But the difference of one year means for the same cost you are going to get $16,000 less of term and $10,000 less of whole life.

There are few guarantees in life, but a couple hard truths are involved in life insurance.

1. It will never be as cheap as it is right now. The older you get, the more expensive life insurance becomes. Also, if you are in good health, buy life insurance before anything changes. There is nothing worse as an insurance agent than to get a call from someone that was just diagnosed with COPD or diabetes or a number of other conditions and they want to buy life insurance and we cannot help them.

2. Everyone needs life insurance. Some people go their whole lives without ever getting into a car accident or having a claim on their house but everyone dies. Make sure your family is protected when that happens.

Tax Refund

Insurance agents get painted as people that just will not stop bugging you about needing more insurance, like Ned Ryerson from the movie “Groundhog Day”, but they are really just trying to save you the hassle of finding out too late that you cannot get the insurance you need. No one wants to buy it when they are young because they do not think they need it yet, but then when they are ready, they either do not qualify for as much as they need or they do not qualify at all due to some condition. Learn more details at this website.

It is a great feeling when you treat yourself a little with your tax refund. Just imagine how great it will feel to know that your spouse or kids or grand kids will be protected when you are gone.

Income Tax Refund

Use Your Income Tax Refund For Debt Consolidation

You can utilize your tax refund for quite a few purposes – some irrelevant, some important. But using a tax refund for the payment of your debt is perhaps the wisest decision you can take with it. check this link here.

Clear your debt now, and buy the new car later.

The typical American will get a refund of about $2200 this year. It is not at all an insignificant check and for many laborious individuals, it is nothing less than a windfall. It also means that the majority of tax payers are not enough sufficient money held from their salaries. Nonetheless, a check for about two thousand dollars is a good amount, and perhaps all individuals plan how to spend it even before they get it on hand. This is how important to know what is really tax refund all about.

Let’s say you have not spent additional cash on a refund application loan. Then you will probably get two weeks to wait before the refund makes an appearance in your mailbox or bank account. During those couple of weeks you will gain sufficient time to review how you can or should spend that money.

Do you know what you should do with that cash? You should use it to clear some debts.

Well, that’s not very glamorous when there is a plasma television to purchase, bring home a sport utility vehicle, or enjoy a holiday in Las Vegas. But, in the long term, the debt clearance will be a better judgment than anything else. Clearing debts is somewhat a tough task but very obtainable with the help of financial expert. view more reviews at http://www.taxreturn247.com.au

If the payment of your debt is still making you frown, then there are other important avenues you can explore:

Use it for your mortgage – each extra cent your pay for your loan principal saves your money in interest in the future. When you velar away more money thus, the sooner you can get a full claim on your house.

Utilize it in the improvement of your home.

Income Tax Refund

Renovating a bathroom or a kitchen can be a very good idea because these redecorations can get the best return on the money spent when the house is sold. A fresh coat of paint or new countertops can give nay dated kitchen a modern look and this can be accomplished without spending thousands of dollars. get latest news at http://www.thisismoney.co.uk/money/comment/article-4167024/HMRC-want-4k-tax-refund-dodgy-investments-back.html

There are quite a few significant and wise things that you can accomplish with your tax refund that will go a long way, than splurging it on some new gizmo or a holiday that will go away from memory in a couple of years. The first things to do with that money is clear away your debts, since it helps in the reduction of the amount of cash that you have to dish out each month in interest. There are so many information about his from the Internet, but we have here are some of the most important details to share with our readers to make sure they really get the best information out there.

Best Investment

Other Than Buying a House, What Is the Best Investment for My Tax Refund?

If you filed your federal income tax return on time, you have probably received your refund if you had one due. If not, it’s sure to be on the way soon. You may already have plans for that money, or perhaps you haven’t thought about it yet. Chances are, your refund probably isn’t big enough to buy a house, but saving it can be the start of a plan to have enough for a down payment. If you’re a homeowner, there are several other things you can do with that refund. read this information straight from the source.

The first thing you should do before you receive your refund, and definitely before you spend any of it, is to have a plan. If you don’t already have a household budget, this is a great time to sit down and put one on paper. What are your debts? What are your monthly expenses? Where are the gaps? If you want to buy a house, how much money do you need to save?

Many people flag a certain percentage to put into savings. If you’ve scrimped for the past year, you might want to take a (small) percentage to spend as “fun money.” We’re not talking about anything extravagant like a cruise—maybe a night out to a fancy restaurant, or some new clothes.

Financial experts agree that the best use of extra money is paying down debt. If you have credit card debt with high interest rates, throwing some chunks of money at those balances is smart. However, it’s smarter NOT to pay off debt on mortgages, home equity loans, or anything else that allows you to deduct interest payments from your next tax return. The tax advantages far outweigh the benefits, and will actually lower your interest rate by as much as 3 percentage points.

Whether you’re a homeowner or you plan to buy a house in the near future, an excellent use for your tax refund is an emergency fund. You should have enough money to cover at least three months of expenses in case you lose your job, get injured or have a family emergency that affects your ability to earn income or saddles you with an unexpected large debt. Keeping your emergency fund in a money market mutual fund may be a good choice, where your money will earn an average of 4%.

Best Investment

If you are getting ready to sell and buy a new house, making some upgrades to your current home can net good returns when you go to sell. Look for our next article to learn which upgrades and renovations yield the biggest returns. need more details? go to http://www.taxreturn247.com.au

We are a group of a professional network of real estate investors specializing in buying homes online, quickly, with no hassles. The company has streamlined the entire home sale process, working nationwide to buy houses in any condition, as is, at a fair offer price. This allows home sellers to avoid listing fees, holding fees, maintenance, ongoing payments, and ongoing stress. Make sure to use your tax refund in good way not the other way around.