30 Eylül 2012 Pazar

Is Juice a Problem for Children's teeth?

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By Dr. Scott Thompson, DDS - Winning With SmilesFor over 2 generations now juice has been espoused as a health food. Though dentists have been aware for decades this is not really true, it has not been until very recently that the health industry and the medical establishment has taken a closer look at juice. It is definitely not a health food. The question arises if it is even healthy!

Juice now sits on the top of the list as a probable causative agent for the medical chronic disease pandemic facing our children; namely diabetes, obesity, high blood pressure, and osteoporosis, among others. The journals of the American Medical Association and the American Academy of Pediatrics have in recent years recommended that juice be avoided in an infant’s diet. They also recommend that if it is introduced to a toddler that it be limited to 6 oz. daily (a small glass) and consumed with a meal.

Juice is at the top of the list of causative agents for dental disease for our children and youth. For that matter, in today’s culture it probably is equally at cause for adult dental decay.

Juice is worse than soda! That doesn’t mean soda is good; it is also terrible for teeth and health. But, juice is worse. If you look at nutrition data for foods and compare juice with whole fruit, you quickly see what is lost when juice is squeezed from fruit. A couple highlights:

You do get water and calories; i.e., an 8 oz glass of orange juice has the calories squeezed from about 5 oranges. Who ever heard of eating 5 oranges in one sitting? And today we often do this at breakfast and again in the afternoon. Yikes… all those empty calories!

Lost with the fruit when we make juice is a) nearly all the vitamins except some of the water soluble vitamin C, b) insoluble fiber, roughage, c) soluble fiber, unique to fruit and an important aid in digestion, d) and minerals, key components to our enzyme systems that process our body functions. Without the minerals the enzymes cannot use the calories we consume so the calories get stored as fat.

Rarely mentioned about juice is the acid. Acid that will dissolve your teeth. Those of us that took analytical and organic chemistry in college know the issue here. Though organic acids are often called “weak” acids, they are far more effective in organic systems like mouths because of their sustaining power. They don’t register in the pH scale as strong (lower number) as inorganic acids because they hold their acid potential in “reserve.” As the acid is used (dissolving calcium out of teeth) the reserve releases more acid out of solution. This is part of the steady state (homeostasis) systems that sustain organic (life supporting) systems. When misused (juice rather than fruit) the power released can be devastating. It turns out the acid potential (titrateable acid) of juice is nearly twice that of colas!

So put juice at the very top of the destructive beverage list that includes: juice, sports drinks like Gatorade, sodas, juicers and sweet energy teas.

Practice Giving: It's Good for Your Health

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By Ashlei Jackson, Qlixite

The definition of “charity” is the practice of benevolent giving, giving without payment or expectation of a direct return. In light of the efforts being made all around the world to help the people of Haiti, the word charity is everywhere. We often find ourselves helpless or listing reasons why we have nothing to give. However, the act of giving to others is actually healthy for you and it is the one thing you can do that will always benefit you and the ones you love. Best of all you don’t need to put a monetary value to your charity. Small acts of giving go a long way. Since the definition said that we should “practice” charity...and we all resolved to get healthier in 2010...let’s start!

Cultivate Your Mind: You will need to set aside time for yourself on a regular basis. By taking time out of every day to focus on your own needs, you will be more prepared and able to give more to others. In order to continue learning and entertain your brain on a daily basis, you should make a list of all the things you would like learn more about. Sit down and list it all at once or gradually add to the lis throughout the year. Either way, you can continue checking off items on the list as you complete them and it will give you a sense of accomplishment. Ideas: Read one book a month. Schedule time for conversations with your spouse or friend on a current topics. Help your kids with their homework...even that subject you despise. Or better yet ask them about what they learned that day. You’ll connect and possibly learn something new.

Stretch Your Body: One of the best ways to spend the time you have set aside for yourself is to improve your physical health through exercise. You don’t need to do strenuous exercise every day, but you should stretch and get your heart rate moving. This will help reduce stress, keep your body in good shape and even help you sleep better at night. Ideas: Take a walk outside, the view is better than on the treadmill. Take a yoga or couples dance class. Stop at points during your day and just take 5-10 deep breaths. Use the stairs or park in the farthest point of the lot. The more you move, the better you’ll feel.

Give of Your Soul: The most rewarding way to work on your overall health and happiness is to do things that are good for your soul. These are the types of activities that require you set aside time to focus on and give to others - but remember; giving is healthy for you too. It helps you grow your relationships with others, feel fulfilled and show how much you care. One of the easiest ways to give to others is to spend time with them. It often doesn’t cost anything but it can be more rewarding and appreciated than anything you do. And the receivers can be anyone from your kids or parents to the homeless and needy. Ideas: Volunteer. This is a broad concept. Get involved with local organizations and share your ideas. You have skills that can help people around you. Organize a family reunion or special event that brings people together. Get involved with a Church or Spiritual group. Foster a pet. It doesn’t matter if you’re 5, 50 or 85 years old, you always have something to give. Let your mind wander on how you can help others and the opportunities will appear.

Expand your Heart: Mother Theresa is quoted saying “We cannot do great things on this Earth, only small things with great love.” We’re always too busy or too broke to do things on a grand scale so keep it small. Expand the amount of love you have for the people in your life and your problems will seem smaller and less tragic. Ideas: Write a small note to each of the people you work with telling them how much you appreciate them. Look people in the eye and thank them. Smiles are contagious (apparently so are butterfly stickers in this town) so spread them. Valentines Day is coming so follow the youth example and buy a silly box of valentines for everyone you know.
      There is a reason the definition of charity is the “practice” of giving versus the “act” of giving. It was Aristotle who said, “We are what we repeatedly do, excellence, then, is not an act but a habit.”

Sleep - It's Good For Your Health!

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By Dr. Randall Hensley, D.C., Hensley Chiropractic


Do you sleep like a baby?...awake every two hours, hungry and needing to use the bathroom? Or are you blessed with the ability to fall asleep the minute your head hits the pillow, sleep all night, and wake up feeling refreshed and ready to go? If you are in the later group, good for you. And I mean, good for you! Sleep is very important in maintaining your health and recovering from illness. Sleep allows your body the down time it needs to replenish, rebuild, and remove stress from your systems. If you are not sleeping well consider the following recommendations for a good night's rest. Remember everyone's sleep solutions differ so finding your perfect remedy is unique to you. Try one or all of them!

In addition to the typical remedies such as avoiding caffeine, sipping chamomile tea, or counting sheep, there are many other factors that can affect your sleep quality and duration. For example having a mattress and pillow that suits your particular preference is very important. If you wake up less than “bright-eyed and bushy-tailed” check your bed. As a rule of thumb if you sleep better at a hotel, your in-laws, or when camping...it's likely your bed. You should also be sure to go to bed and wake up at the same time, even on weekends. This builds consistency in your sleep-wake cycle. This “circadian rhythm” is set by your pituitary gland deep in your brain and is triggered by light entering your eyes. Therefore, be sure to sleep in a dark room and then let bright light or better yet let sunshine greet you in the morning.

Other hints include:

  • making your room colder and avoiding hot baths just prior to retiring. (for some overheating the body delays sleep),
  • take a daily “power nap” for 20 minutes just after lunch,
  • participate in moderate exercise earlier in the day to promote physical tiredness,
  • eat healthy, drink plenty of water, cut back on late night snacks such as ice cream,
  • don't play video games or watch overly stimulating or stressful television (news/horror/etc),
  • quit smoking, and don't drink alcohol before bed.
  • use a “white-noise” machine to block out sleep-disturbing noises.
  • Always try to find ways to lower your emotional stress and learn the not-so-simple act of relaxing.
  • If your brain is racing, keep a paper and pen next to your bed to write down those “must-remember-to-do-tomorrow” notes or “must-not-forget-brilliant-ideas” so your subconscious brain can rest easy.
More advanced relaxation techniques include abdominal breathing, progressive muscle relaxation, massage, visual imagery, or cognitive behavioral therapy. You should also visit your favorite chiropractor, acupuncturist, or health care provider to investigate and treat the cause of your insomnia. Chiropractic adjustments for example can decrease pain and increase the secretion of serotonin and melatonin facilitating better sleep. Lastly, keep a “sleep diary” and record how well you slept, what time you went to bed, what you ate or did the night before, etc. This information can help you and your health care providers identify your sleep issues.

Overall, once you find your “perfect” combination of bedding, environment, preparation, timing, mental attitude toward sleep, and professional help, be consistent and don't give up. Soon that biological clock will chime in rhythm with the clock on the nightstand. Sweet dreams and sleep well. 

Tips for Taxpayers Who Can't Pay Their Taxes on Time

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If you owe tax with your federal tax return, but can't afford to pay it all when you file, the IRS wants you to know your options and help you keep interest and penalties to a minimum.

Here are five tips:
1. File your return on time and pay as much as you can with the return. These steps will eliminate the late filing penalty, reduce the late payment penalty and cut down on interest charges. For electronic and credit card options for paying see www.IRS.gov. You may also mail a check payable to the United States Treasury.

2. Consider obtaining a loan or paying by credit card. The interest rate and fees charged by a bank or credit card company may be lower than interest and penalties imposed by the Internal Revenue Code.

3. Request an installment payment agreement. You do not need to wait for IRS to send you a bill before requesting a payment agreement. Options for requesting an agreement include:
• Using the Online Payment Agreement application and
• Completing and submitting IRS Form 9465-FS, Installment Agreement Request, with your return IRS charges a user fee to set up your payment agreement. See www.irs.gov or the installment agreement request form for fee amounts.

4. Request an extension of time to pay. For tax year 2011, qualifying individuals may request an extension of time to pay and have the late payment penalty waived as part of the IRS Fresh Start Initiative. To see if you qualify visit www.irs.gov and get form 1127-A, Application for Extension of Time for Payment. But hurry, your application must be filed by April 17, 2012.

5. If you receive a bill from the IRS, please contact us immediately to discuss these and other payment options. Ignoring the bill will only compound your problem and could lead to IRS collection action.

If you can’t pay in full and on time, the key to minimizing your penalty and interest charges is to pay as much as possible by the tax deadline and the balance as soon as you can. For more information on the IRS collection process go to or see IRSVideos.gov/OweTaxes.

Start Planning Now for Next Year's Tax Return

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The tax deadline may have just passed but planning for next year can startnow. The IRS reminds taxpayers that being organized and planning ahead can savetime, money and headaches in 2013. Here are eight things you can do now to makenext April 15 easier.

1. Adjust your withholding Why wait another year for a bigrefund? Now is a good time to review your withholding and make adjustments fornext year, especially if you'd prefer more money in each paycheck this year. Ifyou owed at tax time, perhaps you'd like next year's tax payment to be smaller.Use IRS's Withholding Calculator at www.irs.govor Publication 919, How Do I Adjust My Tax Withholding?

2. Store your return in a safe place Put your 2011 taxreturn and supporting documents somewhere secure so you'll know exactly whereto find them if you receive an IRS notice and need to refer to your return. Ifit is easy to find, you can also use it as a helpful guide for next year's return.

3. Organize your recordkeeping Establish a central locationwhere everyone in your household can put tax-related records all year long.Anything from a shoebox to a file cabinet works. Just be consistent to avoid ascramble for misplaced mileage logs or charity receipts come tax time.

4. Review your paycheck Make sure your employer is properlywithholding and reporting retirement account contributions, health insurancepayments, charitable payroll deductions and other items. These payrolladjustments can make a big difference on your bottom line. Fixing an error inyour paycheck now gets you back on track before it becomes a huge hassle.

5. Shop for a tax professional early If you use a taxprofessional to help you strategize, plan and make financial decisionsthroughout the year, then search now. You'll have more time when you're not upagainst a deadline or anxious for your refund. Choose a tax professionalwisely. You are ultimately responsible for the accuracy of your own returnregardless of who prepares it. Find tips for choosing a preparer at www.irs.gov.

6. Prepare to itemize deductions If your expenses typicallyfall just below the amount to make itemizing advantageous, a bit of planning tobundle deductions into 2012 may pay off. An early or extra mortgage payment,pre-deadline property tax payments, planned donations or strategically paidmedical bills could equal some tax savings. See the Schedule A instructions forexpenses you can deduct if you're itemizing and then prepare an approach thatworks best for you.

7. Strategize tuition payments The American Opportunity TaxCredit, which offsets higher education expenses, is set to expire after 2012.It may be beneficial to pay 2013 tuition in 2012 to take full advantage of thistax credit, up to $2,500, before it expires. For more information, see IRSPublication 970, Tax Benefits for Education.

8. Keep up with changes Find out about tax law changes,helpful tips and IRS announcements all year by subscribing to IRS Tax Tipsthrough www.irs.govor IRS2Go, the mobile app from the IRS. The IRS issues tips regularly duringsummer and tax season. Special Edition tips are sent periodically with othertimely updates.

The IRS emphasizes that each household's financial circumstances aredifferent so it's important to fully consider your specific situation and goalsbefore making large financial decisions. 

Please contact us if you have any questions.  801-269-1818


Links:
  • IRS Withholding Calculator
  • Publication 919, How Do I Adjust My Tax Withholding? (PDF)
  • 2011 Form 1040 (Schedule A) (PDF)
  • Publication 970, Tax Benefits for Education (PDF)

29 Eylül 2012 Cumartesi

Its Not to Late to Avoid A Tax Bill Next Year, Reduce Your Taxes

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The Internal Revenue Service reminds taxpayers that it's not too late to adjust their 2012 tax withholding to avoid big tax refunds or tax bills when they file their tax return next year. Taxpayers should act soon to adjust their tax withholding to bring the taxes they must pay closer to what they actually owe and put more money in their pocket right now.        Most people have taxes withheld from each paycheck or pay taxes on a quarterly basis through estimated tax payments. Each year millions of American workers have far more taxes withheld from their pay than is required. Many people anxiously wait for their tax refunds to make major purchases or pay their financial obligations. The IRS encourages taxpayers not to tie major financial decisions to the receipt of their tax refund - especially if they need their tax refund to arrive by a certain date. Here is some information to help bring the taxes you pay during the year closer to what you will actually owe when you file your tax return.
Employees
  • New Job. When you start a new job your employer will ask you to complete Form W-4, Employee's Withholding Allowance Certificate. Your employer will use this form to figure the amount of federal income tax to withhold from your paychecks. Be sure to complete the Form W-4 accurately.
  • Life Event. You may want to change your Form W-4 when certain life events happen to you during the year. Examples of events in your life that can change the amount of taxes you owe include a change in your marital status, the birth of a child, getting or losing a job, and purchasing a home. Keep your Form W-4 up-to-date.
You typically can submit a new Form W-4 at anytime you wish to change the number of your withholding allowances. However, if your life event results in the need to decrease your withholding allowances or changes your marital status from married to single, you must give your employer a new Form W-4 within 10 days of that life event.

Self-Employed
  • Form 1040-ES. If you are self-employed and expect to owe a thousand dollars or more in taxes for the year, then you normally must make estimated tax payments to pay your income tax, Social Security and Medicare taxes. You can use the worksheet in Form 1040-ES, Estimated Tax for Individuals, to find out if you are required to pay estimated tax on a quarterly basis. Remember to make estimated payments to avoid owing taxes at tax time.
Publication 505, Tax Withholding and Estimated Tax, has information for employees and self-employed individuals, and also explains the rules in more detail. The forms and publication are available at IRS.gov or by calling 1-800-TAX-FORM (1-800-829-3676).

Links:

  • Form W-4, Employee's Withholding Allowance Certificate
  • Form 1040-ES, Estimated Tax for Individuals
  • Form W-4P, Withholding Certificate for Pension or Annuity Payments
  • Publication 505, Tax Withholding and Estimated Tax

Ways to Create a Legal Tax Write Off

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Creating a Legal Tax Write Off, Options, One, Two and Three
We have often times encouraged tax payers, who have owedtaxes in the pass to do one of three things to reduce their tax liability,
1.      Purchase a primary home and use the mortgageinterest as a write off to reduce taxes
2.      Make an appointment with an Investment Plannerand include tax planning in with your   Investment strategies. (long-term)
3.      Invest in a small home based business, andreceive the tax benefits.
Today’s post involves the details in starting a home basedbusiness for the sole purpose of creating:
1.       An opportunity
2.      A legal tax write off
The downside in starting a home based business, especiallyto help lower your tax liabilities, is the IRS audits more of these types of taxreturns than most.  Two, you usually canonly “loose” money for 3 out of 5 years before the IRS starts asking questionsabout your intent.  Questions such as, “Isyour business a hobby?”
To avoid these types of questions and to within stand ANYquestions the IRS may have about your home based business, you should beprepared to do the following:
1.      Create a business platform, which you areserious about running as a small business
2.      Keep records of all expenses
3.      Plan on making a profit, and once you do, thenstart another business, and another, and another to offset your income.
The end result will be:
1.      You owe IRS more money, because you have moreincome
2.      You can delete your day job, and become your ownboss
The bottom line is: If you earn money from a home based business, and you set it up so youcan run it from anywhere in the world, you create an option to make your homebased business an International Corporation, move off-shore and request fromthe IRS, exclusion from foreign income up to $95,100 (2012) per year!  (Contact your attorney, ask questions)
Are you understanding, why so many web site owners aremoving offshore?  This post sponsored by Virtual Realty, Web Sites for Sale, perfect home based business, tax benefits, passive income, opportunity.  Web site ownership will enable you to qualify for tax write offs on the following expenses: (partial list of expenses)1.  percentage of mortgage or rent paid2.  percentage of utilities and cost of the upkeep of your home3.  cost of cell phone, communications4.  Internet Service Provider5.  all business expenses, including research6.  all payments to Freelancers and Independent Contractors7.  cost for equipment for the business, including computer, laptop, printer, fax machine, etc.8.  cost for furniture for the business9.  any and all expenses related to your home based business.10. travel for business purposes, you know, the annual workshops in Las Vegas, New York and San Francisco  

Mitt Romney's Taxes and Investments

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I have previously talked about reviewing the presidential candidates tax returns to get inside information on how the wealthy generate wealth.

When reviewing Mitt Romney's 2011 tax return, we found the usual components for a very wealthy man.  A family trust controls most of the assets and had invested in securities from companies with ties to Iran, investments in Chinese oil company, CNOOC.  Plus we found that these questionable investments for a presidential candidate might cause some problems. 

The tax return supports that Mitt Romney were very much aware of these questionable investments as it would relate to the U.S. voters, and sold the stocks!

This blog is NOT about politics, this blog is about tax write offs, tax loopholes and ways to decrease your tax liabilities while increasing your assets, income and peace of mind.  What the tax returns of  wealthy presidential candidates reveals is HOW, the rich get rich.

What you now know is that investing in oil, regardless of which country the investment is affiliated with, is one of the strategies for building wealth. 

As the weeks go by, we will look at more investment strategies of the wealthy.  After all if we duplicate the investment patterns of the wealthy, on a much smaller scale, you too can benefit, even though a lot of details about the taxes are missing, tax experts were still able to determine certain facts.  Read the entire Mitt Romney tax saga

Tips for Taxpayers Who Can't Pay Their Taxes on Time

To contact us Click HERE
If you owe tax with your federal tax return, but can't afford to pay it all when you file, the IRS wants you to know your options and help you keep interest and penalties to a minimum.

Here are five tips:
1. File your return on time and pay as much as you can with the return. These steps will eliminate the late filing penalty, reduce the late payment penalty and cut down on interest charges. For electronic and credit card options for paying see www.IRS.gov. You may also mail a check payable to the United States Treasury.

2. Consider obtaining a loan or paying by credit card. The interest rate and fees charged by a bank or credit card company may be lower than interest and penalties imposed by the Internal Revenue Code.

3. Request an installment payment agreement. You do not need to wait for IRS to send you a bill before requesting a payment agreement. Options for requesting an agreement include:
• Using the Online Payment Agreement application and
• Completing and submitting IRS Form 9465-FS, Installment Agreement Request, with your return IRS charges a user fee to set up your payment agreement. See www.irs.gov or the installment agreement request form for fee amounts.

4. Request an extension of time to pay. For tax year 2011, qualifying individuals may request an extension of time to pay and have the late payment penalty waived as part of the IRS Fresh Start Initiative. To see if you qualify visit www.irs.gov and get form 1127-A, Application for Extension of Time for Payment. But hurry, your application must be filed by April 17, 2012.

5. If you receive a bill from the IRS, please contact us immediately to discuss these and other payment options. Ignoring the bill will only compound your problem and could lead to IRS collection action.

If you can’t pay in full and on time, the key to minimizing your penalty and interest charges is to pay as much as possible by the tax deadline and the balance as soon as you can. For more information on the IRS collection process go to or see IRSVideos.gov/OweTaxes.

Start Planning Now for Next Year's Tax Return

To contact us Click HERE

The tax deadline may have just passed but planning for next year can startnow. The IRS reminds taxpayers that being organized and planning ahead can savetime, money and headaches in 2013. Here are eight things you can do now to makenext April 15 easier.

1. Adjust your withholding Why wait another year for a bigrefund? Now is a good time to review your withholding and make adjustments fornext year, especially if you'd prefer more money in each paycheck this year. Ifyou owed at tax time, perhaps you'd like next year's tax payment to be smaller.Use IRS's Withholding Calculator at www.irs.govor Publication 919, How Do I Adjust My Tax Withholding?

2. Store your return in a safe place Put your 2011 taxreturn and supporting documents somewhere secure so you'll know exactly whereto find them if you receive an IRS notice and need to refer to your return. Ifit is easy to find, you can also use it as a helpful guide for next year's return.

3. Organize your recordkeeping Establish a central locationwhere everyone in your household can put tax-related records all year long.Anything from a shoebox to a file cabinet works. Just be consistent to avoid ascramble for misplaced mileage logs or charity receipts come tax time.

4. Review your paycheck Make sure your employer is properlywithholding and reporting retirement account contributions, health insurancepayments, charitable payroll deductions and other items. These payrolladjustments can make a big difference on your bottom line. Fixing an error inyour paycheck now gets you back on track before it becomes a huge hassle.

5. Shop for a tax professional early If you use a taxprofessional to help you strategize, plan and make financial decisionsthroughout the year, then search now. You'll have more time when you're not upagainst a deadline or anxious for your refund. Choose a tax professionalwisely. You are ultimately responsible for the accuracy of your own returnregardless of who prepares it. Find tips for choosing a preparer at www.irs.gov.

6. Prepare to itemize deductions If your expenses typicallyfall just below the amount to make itemizing advantageous, a bit of planning tobundle deductions into 2012 may pay off. An early or extra mortgage payment,pre-deadline property tax payments, planned donations or strategically paidmedical bills could equal some tax savings. See the Schedule A instructions forexpenses you can deduct if you're itemizing and then prepare an approach thatworks best for you.

7. Strategize tuition payments The American Opportunity TaxCredit, which offsets higher education expenses, is set to expire after 2012.It may be beneficial to pay 2013 tuition in 2012 to take full advantage of thistax credit, up to $2,500, before it expires. For more information, see IRSPublication 970, Tax Benefits for Education.

8. Keep up with changes Find out about tax law changes,helpful tips and IRS announcements all year by subscribing to IRS Tax Tipsthrough www.irs.govor IRS2Go, the mobile app from the IRS. The IRS issues tips regularly duringsummer and tax season. Special Edition tips are sent periodically with othertimely updates.

The IRS emphasizes that each household's financial circumstances aredifferent so it's important to fully consider your specific situation and goalsbefore making large financial decisions. 

Please contact us if you have any questions.  801-269-1818


Links:
  • IRS Withholding Calculator
  • Publication 919, How Do I Adjust My Tax Withholding? (PDF)
  • 2011 Form 1040 (Schedule A) (PDF)
  • Publication 970, Tax Benefits for Education (PDF)

28 Eylül 2012 Cuma

Financial Sense: 10 Credit Card Myths

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By Toni F. Ryan, First Priority Financial

The best defense against making a credit blunder is to better educate yourself.



Myth #1: Avoid Using Credit Cards FALSE!
This may be a good way to get rid of debt, but it's utter destruction to your credit score. Why? Because of the 5 factors that make up your credit score, one is how you use and manage your credit, a factor that makes up 30% of your score. That's 255 points! Use the cards every month for gas, groceries etc. but pay them off.


Myth #2: Consolidate Debt onto 1, Low-Interest Credit Card FALSE!
Everyone gets the tempting credit offers to consolidate your debt onto one credit card but when you max out that card, your credit score will drop 60-100 points overnight! Do not consolidate your credit card debt UNLESS, the balance will be under 30% of the available limit.


Myth #3: It's Okay If You Go Over Your Credit Card Limit Because The Bank Authorized the Purchase FALSE!
Going over limit, even if it's just by one dollar deals you a double penalty a 50 point lower score and usually a $39.00 fee.

Myth #4: Closing Credit Card Accounts Will Help Your Score FALSE!
Don't close credit card accounts at all, with the exception of closing a joint account after a divorce. You will lose points in two areas: in the Amounts Owed Area which is worth 30% of your credit score, and in the Length of Credit History Area which is worth 15% of your credit score.


Myth #5: Becoming an Authorized User on Someone's Credit Card Makes You Legally Responsible for the Account FALSE!
While the activity on these accounts, good or bad will show up on your credit report if you are an authorized user, but you are NOT legally responsible for terms of the agreement.


Myth #6: The Type of Credit Card Doesn't Matter FALSE!
The credit scoring system does not like third-party finance cards (e.g., department store cards, furniture store cards, etc.) Always try to stick with major credit cards (e.g., Visa®, MasterCard®, etc.)

Myth #7: Your Divorce Decree Protects Your Credit Score FALSE!
Even if your divorce decree stipulates that your ex-spouse is financially responsible for debt that is held in both of your names, you remain financially liable for that debt until it is paid in full.

Myth #8: Marrying Someone Who Has Poor Credit Will Hurt Your Credit Score FALSE!
Although getting married generally means that you'll be combining finances, your credit reports won't be combined

Myth #9: Making Arrangements to Pay a Charged-Off Credit Card Account Will Help Improve Your Score FALSE!
If you have an old charged off credit card debt and you make payment on it, or make a written or oral promise to pay it, you will renew the 7 year credit reporting statute from that date. The best path to take in this instance is to debt negotiate. Offer the creditor .30 - .40 cents on the dollar as payment in full in exchange for a deletion letter from the creditor.

Myth #10: Those Pre-Approved Credit Card Offers Do Not Hurt Your Score FALSE!
Just because credit is offered to you, does not mean that you should accept it. Your credit report has not been pulled yet, so you are NOT approved for the account but once you call and your credit is pulled, your score will lower 10% due to the inquiry.


The bottom line about misinformation? It's always going to be out there, with tempting offers but remember - if something seems too good to be true, it probably is.









Dog Training: Sit Stay Exercise is Key

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From Petplace.com

There is no single exercise more effective at gaining leadership than the sit-stay exercise. If you must constantly coax, cajole, and ultimately bribe your dog to obey the simplest command, you're lacking in leadership. The sit-stay command, properly taught, can single-handedly reverse this unfortunate situation.

Think about why the sit-stay exercise might earn owner-leadership with a dog. If you can convince your dog to stay in a seated position, against his own wishes, regardless of what is going on around him, and you can persuade him to do this without the use of pain, fear or force, what does that make you? The Alpha Dog, of
course, the one who is strong of mind. The sit-stay exercise will crown you as the pack leader.

The sit-stay exercise makes specific use of language signals your dog is pre-programmed to interpret and understand. They are language tools used by the wolves and maternal domestic
dogs, so your dog already knows them. From your dog's point of view, how much easier could it be?

From the human point of view, however, teaching the Sit-Stay may not be easy to begin with. Through learned behavior, adult humans are programmed to use nagging and force to get their way with dogs. We inanely repeat our words, push, prod, pry, pinch, choke and assault dogs to wring from them what we consider "obedient" behavior.

Wolves and dogs, however, are not capable of these physical manipulations;
training tactics of pain, fear and force are not part of their repertoire when education is at hand. Canines must rely on encouragement, passive restraint, and passive intimidation to accomplish the education of their young. This is the basis of harness training.

Dogs talk to us in ways we must learn to recognize. A dog can easily put his rear to the ground and get a treat, or put his chest on the
carpet to get a snack. He will do this whether you have leadership or not, simply because his actions serve to obtain one or more of his primary resources, in this case food. But for a dog to stay seated voluntarily at his owner's request with no goal objectives – food or touching – means that he acknowledges your position as his leader. By way of his behavior, your dog is saying to you, "I acknowledge and I accept your leadership at this moment. I see that you are my mentor, and I prove this with my willing cooperation," just as he would signal to a higher-ranking dog or wolf. For an owner to achieve this kind of leadership through one exercise alone is both appealing and astonishing. You earn your dog's respect. In turn, earning your dog's respect will cause most minor behavior problems to dissipate.

Keep in mind that stay is an abstract concept for a dog to learn and understand. Sit means put your rear to the ground; down means put your rear end and your chest to the ground; come means run to your owner; but stay ...? Technically, stay means nothing to a dog. There is no motor response to your request that he can act upon - it is essentially the absence of a motor response. When your dog at last figures it out, his self-confidence blossoms. Increased self-confidence in dogs resolves a myriad of behavior problems.

In teaching sit-stay on a harness, in fact in all
obedience training with a harness, patience is the key to success. Patience is a virtue and wolves have an endless supply. Look how well their social system works. Their limitless patience is the reason. So learn patience, don't do anything you are not instructed to do, watch your dog learn to sit-stay in less than 10 minutes, and watch behavior problems disappear.

Editors note:

To teach Sit-Stay using a harness, simply apply upward traction to the lead attached to the harness. The harness will "tent" over the dog's shoulders. The dog will be amply aware of even gentle traction applied to its harness and will probably begin to look around anxiously, wondering what comes next. It may yawn (stress), it may lick its lips, thinking about submission, it may try to appear indifferent and try engaging in some displacement activity. You do nothing but wait. You certainly don't talk to your dog, look at it, or
pet it at this stage. Basically, nothing happens. Eventually the dog gets fed up with standing there, unable to proceed, and it sits or lies down. Sitting is what you want so the tension would be released and the dog would be praised and petted. Lying down is not what you want, so the tension on the lead would remain. As the dog sits make a circular sweeping movement with your hand (a signal for stay). While the dog remains sitting, you keep bantering cheerfully to it and perhaps petting it. You could even give it a chest rub (massage). If he stands up again before being given a release signal, the tension is reapplied to the lead, and you become silent and aloof. This is repeated until the dog learns that sitting – and staying – is what you want. There is no way out for the dog. You mean business. But note, there was no yelling, no hitting, no forcing, no bullying – just time passing an patience – the essential ingredients of proper, non-intimidating training.

Is Juice a Problem for Children's teeth?

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By Dr. Scott Thompson, DDS - Winning With SmilesFor over 2 generations now juice has been espoused as a health food. Though dentists have been aware for decades this is not really true, it has not been until very recently that the health industry and the medical establishment has taken a closer look at juice. It is definitely not a health food. The question arises if it is even healthy!

Juice now sits on the top of the list as a probable causative agent for the medical chronic disease pandemic facing our children; namely diabetes, obesity, high blood pressure, and osteoporosis, among others. The journals of the American Medical Association and the American Academy of Pediatrics have in recent years recommended that juice be avoided in an infant’s diet. They also recommend that if it is introduced to a toddler that it be limited to 6 oz. daily (a small glass) and consumed with a meal.

Juice is at the top of the list of causative agents for dental disease for our children and youth. For that matter, in today’s culture it probably is equally at cause for adult dental decay.

Juice is worse than soda! That doesn’t mean soda is good; it is also terrible for teeth and health. But, juice is worse. If you look at nutrition data for foods and compare juice with whole fruit, you quickly see what is lost when juice is squeezed from fruit. A couple highlights:

You do get water and calories; i.e., an 8 oz glass of orange juice has the calories squeezed from about 5 oranges. Who ever heard of eating 5 oranges in one sitting? And today we often do this at breakfast and again in the afternoon. Yikes… all those empty calories!

Lost with the fruit when we make juice is a) nearly all the vitamins except some of the water soluble vitamin C, b) insoluble fiber, roughage, c) soluble fiber, unique to fruit and an important aid in digestion, d) and minerals, key components to our enzyme systems that process our body functions. Without the minerals the enzymes cannot use the calories we consume so the calories get stored as fat.

Rarely mentioned about juice is the acid. Acid that will dissolve your teeth. Those of us that took analytical and organic chemistry in college know the issue here. Though organic acids are often called “weak” acids, they are far more effective in organic systems like mouths because of their sustaining power. They don’t register in the pH scale as strong (lower number) as inorganic acids because they hold their acid potential in “reserve.” As the acid is used (dissolving calcium out of teeth) the reserve releases more acid out of solution. This is part of the steady state (homeostasis) systems that sustain organic (life supporting) systems. When misused (juice rather than fruit) the power released can be devastating. It turns out the acid potential (titrateable acid) of juice is nearly twice that of colas!

So put juice at the very top of the destructive beverage list that includes: juice, sports drinks like Gatorade, sodas, juicers and sweet energy teas.

Practice Giving: It's Good for Your Health

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By Ashlei Jackson, Qlixite

The definition of “charity” is the practice of benevolent giving, giving without payment or expectation of a direct return. In light of the efforts being made all around the world to help the people of Haiti, the word charity is everywhere. We often find ourselves helpless or listing reasons why we have nothing to give. However, the act of giving to others is actually healthy for you and it is the one thing you can do that will always benefit you and the ones you love. Best of all you don’t need to put a monetary value to your charity. Small acts of giving go a long way. Since the definition said that we should “practice” charity...and we all resolved to get healthier in 2010...let’s start!

Cultivate Your Mind: You will need to set aside time for yourself on a regular basis. By taking time out of every day to focus on your own needs, you will be more prepared and able to give more to others. In order to continue learning and entertain your brain on a daily basis, you should make a list of all the things you would like learn more about. Sit down and list it all at once or gradually add to the lis throughout the year. Either way, you can continue checking off items on the list as you complete them and it will give you a sense of accomplishment. Ideas: Read one book a month. Schedule time for conversations with your spouse or friend on a current topics. Help your kids with their homework...even that subject you despise. Or better yet ask them about what they learned that day. You’ll connect and possibly learn something new.

Stretch Your Body: One of the best ways to spend the time you have set aside for yourself is to improve your physical health through exercise. You don’t need to do strenuous exercise every day, but you should stretch and get your heart rate moving. This will help reduce stress, keep your body in good shape and even help you sleep better at night. Ideas: Take a walk outside, the view is better than on the treadmill. Take a yoga or couples dance class. Stop at points during your day and just take 5-10 deep breaths. Use the stairs or park in the farthest point of the lot. The more you move, the better you’ll feel.

Give of Your Soul: The most rewarding way to work on your overall health and happiness is to do things that are good for your soul. These are the types of activities that require you set aside time to focus on and give to others - but remember; giving is healthy for you too. It helps you grow your relationships with others, feel fulfilled and show how much you care. One of the easiest ways to give to others is to spend time with them. It often doesn’t cost anything but it can be more rewarding and appreciated than anything you do. And the receivers can be anyone from your kids or parents to the homeless and needy. Ideas: Volunteer. This is a broad concept. Get involved with local organizations and share your ideas. You have skills that can help people around you. Organize a family reunion or special event that brings people together. Get involved with a Church or Spiritual group. Foster a pet. It doesn’t matter if you’re 5, 50 or 85 years old, you always have something to give. Let your mind wander on how you can help others and the opportunities will appear.

Expand your Heart: Mother Theresa is quoted saying “We cannot do great things on this Earth, only small things with great love.” We’re always too busy or too broke to do things on a grand scale so keep it small. Expand the amount of love you have for the people in your life and your problems will seem smaller and less tragic. Ideas: Write a small note to each of the people you work with telling them how much you appreciate them. Look people in the eye and thank them. Smiles are contagious (apparently so are butterfly stickers in this town) so spread them. Valentines Day is coming so follow the youth example and buy a silly box of valentines for everyone you know.
      There is a reason the definition of charity is the “practice” of giving versus the “act” of giving. It was Aristotle who said, “We are what we repeatedly do, excellence, then, is not an act but a habit.”

Sleep - It's Good For Your Health!

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By Dr. Randall Hensley, D.C., Hensley Chiropractic


Do you sleep like a baby?...awake every two hours, hungry and needing to use the bathroom? Or are you blessed with the ability to fall asleep the minute your head hits the pillow, sleep all night, and wake up feeling refreshed and ready to go? If you are in the later group, good for you. And I mean, good for you! Sleep is very important in maintaining your health and recovering from illness. Sleep allows your body the down time it needs to replenish, rebuild, and remove stress from your systems. If you are not sleeping well consider the following recommendations for a good night's rest. Remember everyone's sleep solutions differ so finding your perfect remedy is unique to you. Try one or all of them!

In addition to the typical remedies such as avoiding caffeine, sipping chamomile tea, or counting sheep, there are many other factors that can affect your sleep quality and duration. For example having a mattress and pillow that suits your particular preference is very important. If you wake up less than “bright-eyed and bushy-tailed” check your bed. As a rule of thumb if you sleep better at a hotel, your in-laws, or when camping...it's likely your bed. You should also be sure to go to bed and wake up at the same time, even on weekends. This builds consistency in your sleep-wake cycle. This “circadian rhythm” is set by your pituitary gland deep in your brain and is triggered by light entering your eyes. Therefore, be sure to sleep in a dark room and then let bright light or better yet let sunshine greet you in the morning.

Other hints include:

  • making your room colder and avoiding hot baths just prior to retiring. (for some overheating the body delays sleep),
  • take a daily “power nap” for 20 minutes just after lunch,
  • participate in moderate exercise earlier in the day to promote physical tiredness,
  • eat healthy, drink plenty of water, cut back on late night snacks such as ice cream,
  • don't play video games or watch overly stimulating or stressful television (news/horror/etc),
  • quit smoking, and don't drink alcohol before bed.
  • use a “white-noise” machine to block out sleep-disturbing noises.
  • Always try to find ways to lower your emotional stress and learn the not-so-simple act of relaxing.
  • If your brain is racing, keep a paper and pen next to your bed to write down those “must-remember-to-do-tomorrow” notes or “must-not-forget-brilliant-ideas” so your subconscious brain can rest easy.
More advanced relaxation techniques include abdominal breathing, progressive muscle relaxation, massage, visual imagery, or cognitive behavioral therapy. You should also visit your favorite chiropractor, acupuncturist, or health care provider to investigate and treat the cause of your insomnia. Chiropractic adjustments for example can decrease pain and increase the secretion of serotonin and melatonin facilitating better sleep. Lastly, keep a “sleep diary” and record how well you slept, what time you went to bed, what you ate or did the night before, etc. This information can help you and your health care providers identify your sleep issues.

Overall, once you find your “perfect” combination of bedding, environment, preparation, timing, mental attitude toward sleep, and professional help, be consistent and don't give up. Soon that biological clock will chime in rhythm with the clock on the nightstand. Sweet dreams and sleep well. 

27 Eylül 2012 Perşembe

Sleep - It's Good For Your Health!

To contact us Click HERE
By Dr. Randall Hensley, D.C., Hensley Chiropractic


Do you sleep like a baby?...awake every two hours, hungry and needing to use the bathroom? Or are you blessed with the ability to fall asleep the minute your head hits the pillow, sleep all night, and wake up feeling refreshed and ready to go? If you are in the later group, good for you. And I mean, good for you! Sleep is very important in maintaining your health and recovering from illness. Sleep allows your body the down time it needs to replenish, rebuild, and remove stress from your systems. If you are not sleeping well consider the following recommendations for a good night's rest. Remember everyone's sleep solutions differ so finding your perfect remedy is unique to you. Try one or all of them!

In addition to the typical remedies such as avoiding caffeine, sipping chamomile tea, or counting sheep, there are many other factors that can affect your sleep quality and duration. For example having a mattress and pillow that suits your particular preference is very important. If you wake up less than “bright-eyed and bushy-tailed” check your bed. As a rule of thumb if you sleep better at a hotel, your in-laws, or when camping...it's likely your bed. You should also be sure to go to bed and wake up at the same time, even on weekends. This builds consistency in your sleep-wake cycle. This “circadian rhythm” is set by your pituitary gland deep in your brain and is triggered by light entering your eyes. Therefore, be sure to sleep in a dark room and then let bright light or better yet let sunshine greet you in the morning.

Other hints include:

  • making your room colder and avoiding hot baths just prior to retiring. (for some overheating the body delays sleep),
  • take a daily “power nap” for 20 minutes just after lunch,
  • participate in moderate exercise earlier in the day to promote physical tiredness,
  • eat healthy, drink plenty of water, cut back on late night snacks such as ice cream,
  • don't play video games or watch overly stimulating or stressful television (news/horror/etc),
  • quit smoking, and don't drink alcohol before bed.
  • use a “white-noise” machine to block out sleep-disturbing noises.
  • Always try to find ways to lower your emotional stress and learn the not-so-simple act of relaxing.
  • If your brain is racing, keep a paper and pen next to your bed to write down those “must-remember-to-do-tomorrow” notes or “must-not-forget-brilliant-ideas” so your subconscious brain can rest easy.
More advanced relaxation techniques include abdominal breathing, progressive muscle relaxation, massage, visual imagery, or cognitive behavioral therapy. You should also visit your favorite chiropractor, acupuncturist, or health care provider to investigate and treat the cause of your insomnia. Chiropractic adjustments for example can decrease pain and increase the secretion of serotonin and melatonin facilitating better sleep. Lastly, keep a “sleep diary” and record how well you slept, what time you went to bed, what you ate or did the night before, etc. This information can help you and your health care providers identify your sleep issues.

Overall, once you find your “perfect” combination of bedding, environment, preparation, timing, mental attitude toward sleep, and professional help, be consistent and don't give up. Soon that biological clock will chime in rhythm with the clock on the nightstand. Sweet dreams and sleep well. 

Tips for Taxpayers Who Can't Pay Their Taxes on Time

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If you owe tax with your federal tax return, but can't afford to pay it all when you file, the IRS wants you to know your options and help you keep interest and penalties to a minimum.

Here are five tips:
1. File your return on time and pay as much as you can with the return. These steps will eliminate the late filing penalty, reduce the late payment penalty and cut down on interest charges. For electronic and credit card options for paying see www.IRS.gov. You may also mail a check payable to the United States Treasury.

2. Consider obtaining a loan or paying by credit card. The interest rate and fees charged by a bank or credit card company may be lower than interest and penalties imposed by the Internal Revenue Code.

3. Request an installment payment agreement. You do not need to wait for IRS to send you a bill before requesting a payment agreement. Options for requesting an agreement include:
• Using the Online Payment Agreement application and
• Completing and submitting IRS Form 9465-FS, Installment Agreement Request, with your return IRS charges a user fee to set up your payment agreement. See www.irs.gov or the installment agreement request form for fee amounts.

4. Request an extension of time to pay. For tax year 2011, qualifying individuals may request an extension of time to pay and have the late payment penalty waived as part of the IRS Fresh Start Initiative. To see if you qualify visit www.irs.gov and get form 1127-A, Application for Extension of Time for Payment. But hurry, your application must be filed by April 17, 2012.

5. If you receive a bill from the IRS, please contact us immediately to discuss these and other payment options. Ignoring the bill will only compound your problem and could lead to IRS collection action.

If you can’t pay in full and on time, the key to minimizing your penalty and interest charges is to pay as much as possible by the tax deadline and the balance as soon as you can. For more information on the IRS collection process go to or see IRSVideos.gov/OweTaxes.

Start Planning Now for Next Year's Tax Return

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The tax deadline may have just passed but planning for next year can startnow. The IRS reminds taxpayers that being organized and planning ahead can savetime, money and headaches in 2013. Here are eight things you can do now to makenext April 15 easier.

1. Adjust your withholding Why wait another year for a bigrefund? Now is a good time to review your withholding and make adjustments fornext year, especially if you'd prefer more money in each paycheck this year. Ifyou owed at tax time, perhaps you'd like next year's tax payment to be smaller.Use IRS's Withholding Calculator at www.irs.govor Publication 919, How Do I Adjust My Tax Withholding?

2. Store your return in a safe place Put your 2011 taxreturn and supporting documents somewhere secure so you'll know exactly whereto find them if you receive an IRS notice and need to refer to your return. Ifit is easy to find, you can also use it as a helpful guide for next year's return.

3. Organize your recordkeeping Establish a central locationwhere everyone in your household can put tax-related records all year long.Anything from a shoebox to a file cabinet works. Just be consistent to avoid ascramble for misplaced mileage logs or charity receipts come tax time.

4. Review your paycheck Make sure your employer is properlywithholding and reporting retirement account contributions, health insurancepayments, charitable payroll deductions and other items. These payrolladjustments can make a big difference on your bottom line. Fixing an error inyour paycheck now gets you back on track before it becomes a huge hassle.

5. Shop for a tax professional early If you use a taxprofessional to help you strategize, plan and make financial decisionsthroughout the year, then search now. You'll have more time when you're not upagainst a deadline or anxious for your refund. Choose a tax professionalwisely. You are ultimately responsible for the accuracy of your own returnregardless of who prepares it. Find tips for choosing a preparer at www.irs.gov.

6. Prepare to itemize deductions If your expenses typicallyfall just below the amount to make itemizing advantageous, a bit of planning tobundle deductions into 2012 may pay off. An early or extra mortgage payment,pre-deadline property tax payments, planned donations or strategically paidmedical bills could equal some tax savings. See the Schedule A instructions forexpenses you can deduct if you're itemizing and then prepare an approach thatworks best for you.

7. Strategize tuition payments The American Opportunity TaxCredit, which offsets higher education expenses, is set to expire after 2012.It may be beneficial to pay 2013 tuition in 2012 to take full advantage of thistax credit, up to $2,500, before it expires. For more information, see IRSPublication 970, Tax Benefits for Education.

8. Keep up with changes Find out about tax law changes,helpful tips and IRS announcements all year by subscribing to IRS Tax Tipsthrough www.irs.govor IRS2Go, the mobile app from the IRS. The IRS issues tips regularly duringsummer and tax season. Special Edition tips are sent periodically with othertimely updates.

The IRS emphasizes that each household's financial circumstances aredifferent so it's important to fully consider your specific situation and goalsbefore making large financial decisions. 

Please contact us if you have any questions.  801-269-1818


Links:
  • IRS Withholding Calculator
  • Publication 919, How Do I Adjust My Tax Withholding? (PDF)
  • 2011 Form 1040 (Schedule A) (PDF)
  • Publication 970, Tax Benefits for Education (PDF)

Job Search Expenses Can be Tax Deductible

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Summertime is the season that often leads to major life decisions, such asbuying a home, moving or a job change. If you are looking for a new job that isin the same line of work, you may be able to deduct some of your job huntingexpenses on your federal income tax return.

Here are seven things the IRS wants you to know about deducting costsrelated to your job search:
1. To qualify for a deduction, your expenses must be spent on a jobsearch in your current occupation. You may not deduct expenses you incur whilelooking for a job in a new occupation.

2. You can deduct employment and outplacement agency fees you pay whilelooking for a job in your present occupation. If your employer pays you back ina later year for employment agency fees, you must include the amount youreceived in your gross income, up to the amount of your tax benefit in theearlier year.

3. You can deduct amounts you spend for preparing and mailing copies ofyour résumé to prospective employers as long as you are looking for a new jobin your present occupation.

4. If you travel to look for a new job in your present occupation, youmay be able to deduct travel expenses to and from the area to which youtravelled. You can only deduct the travel expenses if the trip is primarily tolook for a new job. The amount of time you spend on personal activity unrelatedto your job search compared to the amount of time you spend looking for work isimportant in determining whether the trip is primarily personal or is primarilyto look for a new job.

5. You cannot deduct your job search expenses if there was asubstantial break between the end of your last job and the time you beginlooking for a new one.

6. You cannot deduct job search expenses if you are looking for a jobfor the first time.

7. The amount of job search expenses that you can claim is limited. Todetermine your deduction, use Schedule A, Itemized Deductions. Job search expensesare claimed as a miscellaneous itemized deduction and the total of allmiscellaneous deductions must be more than two percent of your adjusted grossincome.

Please contact us if you have questions or want to determine if your expenses are tax deductible.

Links:
  • Schedule A, Itemized Deductions (PDF)
  • Publication 529, Miscellaneous Deductions (PDF)

Tax Tips for Recently Married Taxpayers

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If you’ve recently updated your status from single to married, you’re notalone – late spring and summertime is a popular period for weddings. Marriagealso brings about some changes with your taxes. Here are several tips fornewlyweds from the IRS.
  • Notify the Social Security Administration  It’s important that your name and Social Security number match on your next tax return, so if you’ve taken on a new name, report the change to the Social Security Administration. File Form SS-5, Application for a Social Security Card. The form is available on SSA’s website at www.ssa.gov, by calling 800-772-1213, or visiting a local SSA office.
  • Notify the IRS if you move  IRS Form 8822, Change of Address, is the official way to update the IRS of your address change. Download Form 8822 from IRS.gov or order it by calling 800-TAX-FORM
    (800-829-3676).
  • Notify the U.S. Postal Service  To ensure your mail – including mail from the IRS – is forwarded to your new address, you’ll need to notify the U.S. Postal Service. Submit a forwarding request online at www.usps.com or visit your local post office.
  • Notify your employer  Report your name and/or address change to your employer(s) to make sure you receive your Form W-2, Wage and Tax Statement, after the end of the year.
  • Check your withholding  If you both work, keep in mind that you and your spouse’s combined income may move you into a higher tax bracket. You can use Publication 505, Tax Withholding and Estimated Tax, to help determine the correct amount of withholding for your marital status, and it will also help you complete a new Form W-4, Employee's Withholding Allowance Certificate. Fill out and print Form W-4 online and give it to your employer(s) so the correct amount will be withheld from your pay.
  • Select the right tax form  Choose your individual income tax form wisely because it can help save you money. Newlywed taxpayers may find that they now have enough deductions to itemize on their tax returns rather than taking the standard deduction. Itemized deductions must be claimed on a Form 1040, not a 1040A or 1040EZ.
  • Choose the best filing status  A person’s marital status on Dec. 31 determines whether the person is considered married for that year for tax purposes. Tax law generally allows married couples to choose to file their federal income tax return either jointly or separately in any given year. Figuring the tax both ways can determine which filing status will result in the lowest tax, but filing jointly is usually more beneficial.
Bottom line: planning for your wedding may be over, but don’t forget aboutplanning for the tax-related changes that marriage brings. More informationabout changing your name, address and income tax withholding is available onIRS.gov. IRS forms and publications can be obtained from IRS.gov or by calling800-TAX-FORM (800-829-3676).
To automatically receive IRS tax tips, visit IRS.gov, click on"News" and select "e-News Subscriptions."
Links:
  • Form 8822, Change of Address (PDF)
  • Form W-4, Employee's Withholding Allowance Certificate (PDF)
  • Publication 505, Tax Withholding and Estimated Tax (PDF)