| Chapter 7. Money and Your Second Life |
NEAT Receipts is a scanning system that helps you stay organized at
home, at work, and on the go. It helps you scan and organize all of the
paper mess that piles up: from your mail and bills, to business cards,
receipts and business expenses, to recipes, home warranties and
insurance forms. Fight back against paper clutter!
Simplifies record-keeping for
family caregivers managing household
finances for themselves
and for others.
home, at work, and on the go. It helps you scan and organize all of the
paper mess that piles up: from your mail and bills, to business cards,
receipts and business expenses, to recipes, home warranties and
insurance forms. Fight back against paper clutter!
Simplifies record-keeping for
family caregivers managing household
finances for themselves
and for others.
While covering your assets... |
| TOP 10 THINGS to “CHECK OFF” BEFORE YOU “CHECK OUT” |
Be sure to cover your anatomy!
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Protect your identity and feel safer
using a pre-paid visa or mastercard
for direct pay utility, mortgage, and
e-commerce transactions,
or mailing money as gifts.
Some pre-paid visa cards are
available at your local bank.
Green Dot pre-paid cards
available at local
discount stores and
some pharmacies.
We have a e-commerce
relationship
with these
on-line sources
for pre-paid Mastercard...
& Visa...
using a pre-paid visa or mastercard
for direct pay utility, mortgage, and
e-commerce transactions,
or mailing money as gifts.
Some pre-paid visa cards are
available at your local bank.
Green Dot pre-paid cards
available at local
discount stores and
some pharmacies.
We have a e-commerce
relationship
with these
on-line sources
for pre-paid Mastercard...
& Visa...
Prevent costly plumber visits and
Save dollars by keeping your drains maintained.
Save dollars by keeping your drains maintained.
| Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education FTC Facts for Consumers |
Federal Trade Commission Fair Debt Collection Your Rights |
People-to-people lending.
It's an old idea that's new again.
People who need money request it, and other people bid for the
privilege of lending it to them.
Prosper makes sure everything is safe, fair and easy.
It's an old idea that's new again.
People who need money request it, and other people bid for the
privilege of lending it to them.
Prosper makes sure everything is safe, fair and easy.
Admirable Administration
Cohabitation Complexities
Disclaimer Dilemma
For Women Only
His, Hers & Theirs
In Sickness and In Health
Medicaid Maze
Procrastination Perils
Solidly Single
Cohabitation Complexities
Disclaimer Dilemma
For Women Only
His, Hers & Theirs
In Sickness and In Health
Medicaid Maze
Procrastination Perils
Solidly Single
| Archived Articles from Pocket Watch®: |
| FINANCIAL CALCULATORS & PLANNERS Easy to use Excel based spreadsheets No new software to load or set up Download the Budget Planner demo Each calculator downloads in less than 20 seconds Preview our comprehensive financial calculators |
Site Seeing On The Internet
The Savvy Traveler
The Savvy Traveler
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Visit DoItYourself.com - The Leading Home Improvement and Remodeling Website Featuring the Internet's Largest Hardware Superstore
IRS publications:
Links to information, services and products are assembled by family caregivers.
Our intent is to help save you time by finding resources to help you learn and make informed decisions.
Family Caregivers are In Good Company is a website with links to articles and products on
hundreds of websites on the World Wide Web.
Although the sites linked to Family Caregivers are In Good Company have been reviewed and selected by family caregivers, the
presence of a link does not represent an endorsement of the site by
Family Caregivers are In Good Company.
The sites that are listed within Family Caregivers are In Good Company are
individually responsible for thecontent and accuracy of the information found in their site.
This information is not meant to replace professional help. We encourage you to seek professional advice from a qualified
accountant, lawyer, realtor, loan officer, physician or other medical professional.
At the end of the day, we respect you make your own informed decisions.
Our intent is to help save you time by finding resources to help you learn and make informed decisions.
Family Caregivers are In Good Company is a website with links to articles and products on
hundreds of websites on the World Wide Web.
Although the sites linked to Family Caregivers are In Good Company have been reviewed and selected by family caregivers, the
presence of a link does not represent an endorsement of the site by
Family Caregivers are In Good Company.
The sites that are listed within Family Caregivers are In Good Company are
individually responsible for thecontent and accuracy of the information found in their site.
This information is not meant to replace professional help. We encourage you to seek professional advice from a qualified
accountant, lawyer, realtor, loan officer, physician or other medical professional.
At the end of the day, we respect you make your own informed decisions.
| Have a product or service to market on-line? |
TIPS ON PUMPING GAS
I don't know what you guys are paying for gasoline....Here in California we are also paying higher, up to $3.50 per gallon. But my line
of work is in petroleum for about 31 years now, so here are some tricks to get more of your money's worth for every gallon.
Here at the Kinder Morgan Pipeline where I work in San Jose , CA we deliver about 4 million gallons in a 24-hour period thru the
pipeline. One day is diesel the next day is jet fuel, and gasoline, regular and premium grades. We have 34-storage tanks here with a
total capacity of 16,800,000 gallons.
Only buy or fill up your car or truck in the early morning when the ground temperature is still cold. Remember that all service stations
have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets warmer gasoline
expands, so buying in the afternoon or in the evening....your gallon is not exactly a gallon. In the petroleum business, the specific gravity
and the temperature of the gasoline, diesel and jet fuel, ethanol and other petroleum products plays an important role. A 1-degree
rise in temperature is a big deal for this business. But the service stations do not have temperature compensation at the pumps.
When you're filling up do not squeeze the trigger of the nozzle to a fast mode. If you look you will see that the trigger has three (3)
stages: low, middle, and high. In slow mode you should be pumping on low speed, thereby minimizing the vapors that are created
while you are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that goes to
your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank so you're getting less worth
for your money.
One of the most important tips is to fill up when your gas tank is HALF FULL or HALF EMPTY. The reason for this is, the more gas you
have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks
have an internal floating roof. This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the
evaporation. Unlike service stations, here where I work, every truck that we load is temperature compensated so that every gallon is
actually the exact amount.
Another reminder, if there is a gasoline truck pumping into the storage tanks when you stop to buy gas, DO NOT fill up--most likely the
gasoline is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles on the bottom.
Hope this will help you get the most value for your money.
DO SHARE THESE TIPS WITH OTHERS...
I don't know what you guys are paying for gasoline....Here in California we are also paying higher, up to $3.50 per gallon. But my line
of work is in petroleum for about 31 years now, so here are some tricks to get more of your money's worth for every gallon.
Here at the Kinder Morgan Pipeline where I work in San Jose , CA we deliver about 4 million gallons in a 24-hour period thru the
pipeline. One day is diesel the next day is jet fuel, and gasoline, regular and premium grades. We have 34-storage tanks here with a
total capacity of 16,800,000 gallons.
Only buy or fill up your car or truck in the early morning when the ground temperature is still cold. Remember that all service stations
have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets warmer gasoline
expands, so buying in the afternoon or in the evening....your gallon is not exactly a gallon. In the petroleum business, the specific gravity
and the temperature of the gasoline, diesel and jet fuel, ethanol and other petroleum products plays an important role. A 1-degree
rise in temperature is a big deal for this business. But the service stations do not have temperature compensation at the pumps.
When you're filling up do not squeeze the trigger of the nozzle to a fast mode. If you look you will see that the trigger has three (3)
stages: low, middle, and high. In slow mode you should be pumping on low speed, thereby minimizing the vapors that are created
while you are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that goes to
your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank so you're getting less worth
for your money.
One of the most important tips is to fill up when your gas tank is HALF FULL or HALF EMPTY. The reason for this is, the more gas you
have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks
have an internal floating roof. This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the
evaporation. Unlike service stations, here where I work, every truck that we load is temperature compensated so that every gallon is
actually the exact amount.
Another reminder, if there is a gasoline truck pumping into the storage tanks when you stop to buy gas, DO NOT fill up--most likely the
gasoline is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles on the bottom.
Hope this will help you get the most value for your money.
DO SHARE THESE TIPS WITH OTHERS...
| Thank You Janet L. Heitzig,CLU, ChFC, CLTC ,Principal Financial Group for sharing this ariticle with us. |
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extra income can be a welcome benefit
for families struggling to provide
eldercare for loved ones at home.
Under the right circumstances, this
annualized medical expense for the cost
of family members, friends or any other
person providing care, could create an
additional household income of
up to $976 a month for
a single surviving spouse of a veteran,
up to $1,520 a month for
a single veteran or
up to $1,800 a month for a couple.
for families struggling to provide
eldercare for loved ones at home.
Under the right circumstances, this
annualized medical expense for the cost
of family members, friends or any other
person providing care, could create an
additional household income of
up to $976 a month for
a single surviving spouse of a veteran,
up to $1,520 a month for
a single veteran or
up to $1,800 a month for a couple.
Home Inventory Software This software makes creating a home
inventory fun and easy. Once you have completed your inventory, it is easy to
keep your information up to date. You can download the Insurance Information
Institute new home inventory software for free right now!
inventory fun and easy. Once you have completed your inventory, it is easy to
keep your information up to date. You can download the Insurance Information
Institute new home inventory software for free right now!
Mileage Logger
is a compact and portable GPS/Cellular device that calculates your driving mileage automatically. It captures your start and end locations, and times as the vehicles moves. There is no software to download, and you have secure access to your reports online, anytime. Just plug in Mileage Logger and drive! Click here to VIEW DEMO.
The IRS does not initiate taxpayer communications through e-mail.
If you receive an unsolicited e-mail communication claiming to be
from the IRS, please forward the original message to:
phishing@irs.gov
Create a new message
Drag and drop the phishing e-mail into the body of the new message. This ensures the original message
is contained as an attachment with the appropriate Internet headers)
Address the message to phishing@irs.gov and send it.
In addition, the IRS does not request detailed personal information through e-mail or ask taxpayers for
the PIN numbers, passwords or similar secret access information for their credit card, bank or other
financial accounts.
http://www.irs.gov/privacy/article/0,,id=179820,00.html
(LINK TO ENTIRE IRS WEBPAGE)
If you receive an unsolicited e-mail communication claiming to be
from the IRS, please forward the original message to:
phishing@irs.gov
Create a new message
Drag and drop the phishing e-mail into the body of the new message. This ensures the original message
is contained as an attachment with the appropriate Internet headers)
Address the message to phishing@irs.gov and send it.
In addition, the IRS does not request detailed personal information through e-mail or ask taxpayers for
the PIN numbers, passwords or similar secret access information for their credit card, bank or other
financial accounts.
http://www.irs.gov/privacy/article/0,,id=179820,00.html
(LINK TO ENTIRE IRS WEBPAGE)
no income requirements or
social commitments... just
pay two weeks ahead and
pick up your order on
designated date.
social commitments... just
pay two weeks ahead and
pick up your order on
designated date.
Publication 950 (8/2007), Introduction to Estate and Gift Taxes
No Return Needed
Generally, you do not need to file a gift tax return unless you give someone, other than your spouse, money or
property worth more than the annual exclusion ($11,000 in 2002, 2003, 2004 and 2005; $12,000 beginning in
2006) for that year. Although a return may be required, no actual gift tax will become payable until the cumulative
lifetime taxable gifts exceed the applicable exclusion amount. The donor is primarily responsible for the payment
of the Gift Tax. An estate tax return generally will not be needed unless the estate is worth more than the applicable
exclusion amount ($1,000,000 for 2002) for the year of death. This amount is shown in the section under Unified
Credit.
To reemphasize: Most relatively simple estates (cash, publicly traded securities, small amounts of other, easily
valued assets and no special deductions or elections or jointly held property) with a total value under $1,000,000
and a date of death in 2002 or 2003 and $1,500,000 and a date of death in 2004 or 2005 do not require the filing
of an estate tax return.
No Tax on the Person Receiving your Gift or Estate
The person who receives your gift or your estate generally will not have to pay any gift tax or estate tax because of
it. In addition, that person will not have to pay income tax on the value of the gift or inheritance received.
NOTE: There are some technical applications for "Income in Respect of Decedent" under §691 that will have to be
considered for income earned but not otherwise taxed prior to the date of death.
No Return Needed
Generally, you do not need to file a gift tax return unless you give someone, other than your spouse, money or
property worth more than the annual exclusion ($11,000 in 2002, 2003, 2004 and 2005; $12,000 beginning in
2006) for that year. Although a return may be required, no actual gift tax will become payable until the cumulative
lifetime taxable gifts exceed the applicable exclusion amount. The donor is primarily responsible for the payment
of the Gift Tax. An estate tax return generally will not be needed unless the estate is worth more than the applicable
exclusion amount ($1,000,000 for 2002) for the year of death. This amount is shown in the section under Unified
Credit.
To reemphasize: Most relatively simple estates (cash, publicly traded securities, small amounts of other, easily
valued assets and no special deductions or elections or jointly held property) with a total value under $1,000,000
and a date of death in 2002 or 2003 and $1,500,000 and a date of death in 2004 or 2005 do not require the filing
of an estate tax return.
No Tax on the Person Receiving your Gift or Estate
The person who receives your gift or your estate generally will not have to pay any gift tax or estate tax because of
it. In addition, that person will not have to pay income tax on the value of the gift or inheritance received.
NOTE: There are some technical applications for "Income in Respect of Decedent" under §691 that will have to be
considered for income earned but not otherwise taxed prior to the date of death.
Subprime Solution?
This week NOW on PBS takes a look at the non-profit
organization
Just Price Solutions
and the man behind it, Brian Cosgrove. Cosgrove identified a problem: many low
or moderate income borrowers were getting steered into subprime scams
because they had low credit scores. But these scores were often low because
the home buyers simply didn't take out enough loans or credit cards. Cosgrove's
goal was to help the millions of Americans with lower incomes purchase a home
without being caught in a "subprime" nightmare.
This week NOW on PBS takes a look at the non-profit
organization
Just Price Solutions
and the man behind it, Brian Cosgrove. Cosgrove identified a problem: many low
or moderate income borrowers were getting steered into subprime scams
because they had low credit scores. But these scores were often low because
the home buyers simply didn't take out enough loans or credit cards. Cosgrove's
goal was to help the millions of Americans with lower incomes purchase a home
without being caught in a "subprime" nightmare.
