Alameda and Elsewhere

The LLC, or Limited Liability Company, is the new entity of choice for both experienced entrepreneurs and new start-ups. The one-person corporation is being replaced by the one-memnber LLC.

An LLC combines the liability protection of a corporation with the flexibility and ease of filing as a sole proprietorship.

Every small business, even those that in the past would not have elected to incorporate, should register as an LLC. If you own rental property it is a good idea to put title to the property in an LLC. If you own more than one rental property you should have a separate LLC for each property.

One thing to keep in mind when setting up your business is that, like a corporation, an LLC should be treated as a separate legal entity. Here are some things you should do:

* If your business will have employees you will need to apply for a federal Employer Identification Number. This can be done online at www.irs.gov. Click on “Businesses” under “Information for”, and then click on “Employer ID Numbers” under “Related Topics”. A one-member LLC that does not have employees does not need a federal ID number. You can use your Social Security number.

* Open a separate checking account in the name of the LLC. Deposit all business income to this account and pay all business expenses from it. Avoid using your personal checkbook for business activity and try not to pay personal bills from the business account. If the balance in the LLC account is low, you can “loan” money to the business. Be sure to identify all such deposits as loans in the check register. Reimburse yourself for cash payments, automobile use and home-office use, and pay yourself a “drawings” by writing a check from the LLC account.

* All business leases for office or storage space and equipment should be in the name of the LLC, as well as all business insurance policies (i.e. liability, office overhead, workers’ compensation).

* All store credit card accounts for business purchases (i.e. Staples, Office Max or Office Depot, Lowes or Office Depot) should be in the name of the LLC. Have a bank or American Express credit card in the name of the LLC and use it exclusively for business purposes.

* The name of the LLC should appear on all business stationery, letterhead and billhead, and all business forms and applications.

*The LLC should hold “title” to all business equipment, copyrights and trademarks. If you own “real property”, such as an office building or storage facility, which is used by the business, have title held by a separate LLC.

A one-member LLC will report income and expenses on Schedule C of the owner’s Form 1040. An LLC does not have to file a separate tax return, as one would for a corporation.

A loss from the LLC can be deducted against other taxable income of the owner, such as wages, interest and dividends and capital gains, to reduce Adjusted Gross Income. Any profit from the LLC will be subject to “self-employment tax”, 50% of which can be claimed as an “above-the-line” deduction on Page 1 of the Form 1040. The owner may also claim an “above-the-line” deduction for qualifying health insurance premiums and contributions to a Keogh, SEP or SIMPLE self-employed pension plan.

Robert D Flach is a tax professional with 34 tax seasons of experience preparing 1040s for individuals in all walks of live. He writes THE WANDERING TAX PRO blog (http://rdftaxpro.tripod.com/weblog), the free monthly online newsletter STUFF AND SUCH (http://rdftaxpro.tripod.com/stuffandsuch), and the website http://www.robertdflach.net, which has a wealth of tax planning and preparation advice and information. He also writes and publishes THE FLACH REPORT, a quarterly print newsletter.

Windsor Castle is thought to be the biggest lived in castles in the world and the oldest in continuous occupation (around 900 years). It’s 1 of Queen Elizabeth’s 3 sanctioned residences, & is repeatedly beloved to be easily her favourite. The Royal Standard soars over the Round Tower of Windsor Castle on every occasion Queen Elizabeth the 2nd is in residence - at alternative times, the Union Jack banner soars instead.

Samuel Pepys once remarked the Castle to be “the solitary most adored castle around.” That was thought in sixteen sixty six & the comparable has been said today.

Windsor Castle Rich History:

The beginning of Windsor can be found lying in the 7th century Saxon parish of Windlesora, where the modern day parish of Old Windsor is. The settlement of Windsor is rightly branded as “New Windsor” - the phrase “new” being used in a loose way!

Windsor Castle was at first erected by the notorious William the Conqueror, owing to his hit of England in ten sixty-six. The original building was put together from wood with gravel defences. The Castle held an obvious tactical location on a tall mound high above the River Thames, and was a division of a set of castles all around London, with the Tower of London, one day’s journey away, at its middle.

The Castle was restored in rock, & rose in value over the subsequent centuries. More recently Henry the 2nd assembled the Round Tower and the original stone outer wall. Following the English Civil War, the building’s major function became that of a royal house. The Castle has remained largely untouched ever since the start of the nineteenth century, apart from the overhaul work following the recent fire in 1992. Windsor Castle UK tickets can be purchased via Enjoy England, The official website for tourism in England.

A small piece of spyware can affect the individual’s PC very adversely. An affected PC rapidly becomes infected with wide arrays of spyware elements. Often, users notice unwanted degradation and behavior in their PC’s performance. Keylogger software often comes as the only solution for the parents with children who have the opportunity to access the Internet on a regular basis.

Reporting and alerts are a must, that way you can pinpoint the culprits and then have a talk with Bill about the reason his computer is always so slow - the spyware he keeps downloading. Alerts are critical so that if someone else uses Bill’s computer and loads spyware/malware, you find out immediately. Data loggers, key loggers are just a few programs which harvest info from your computer. Winclear is the only program created specially to auto remove such spywares. asp. That is why every computer owner needs winclear.

Protect With Winclear :How To Search History For A Particular Time Period
There are many pedophiles, drug pushers, and sexual predators that are always on the look out for easy to deceive preys, particularly children, on the Internet. Hence, as parents we need to monitor the computer and Internet activities of our underage sons and daughters 24/7. We need to ascertain that their use of this tool will help their studies, build healthy relationships and discover their talents. Winclear is the only software which is capable of removing keylogger programs. Generally cookies are used as a shortcut to load information that you have already provided to a website presenting no security risk on well known established websites. Winclear has been the industry leader in fighting keyloggers for the last 8 years.

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Most people say you need money to make money. In reality, it is not about how much money you have, but how you spend the money that matters. There is a distinct difference in how the wealthy, the middle class and the poor spend their paycheck. Generating wealth is a mechanical process believe it or not. People tend to take the whole concept of wealth and spin it into this complex formula that requires hard physical labor or long hours behind a desk. The truth is that the formula to create wealth is so simple it’s almost unbelievable.

Before we begin, it’s important that we understand the correct definition for the words liability and asset. A liability is something that we pay perhaps on a weekly basis, a monthly basis or even annually, such as cars, boats, and houses. Yes, a house is considered a liability because it is a monthly bill. Assets are things that pay us money. Some examples of assets are: stocks, bonds and rental properties. Please keep in mind that a house or rental property is only an asset when it begins paying you.

Each week the wealthy, the middle class and the poor receive a paycheck. How we spend our money determines our success in life. The poor spend their paychecks on rent, taxes, food, clothes, and other miscellaneous objects that end up sitting around collecting dust. The middle class spend their paycheck on house mortgages, boat’s, cars, snowmobiles or anything that has a monthly payment attached to it. Ultimately the middle class end up acquiring so much debt they begin paying off one credit card with another, before they know it they are looking into debt consolidation, then to refinance their home and eventually bankruptcy if they are not careful. Sound familiar? The wealthy take their paycheck and spend their money on investment vehicles.

The first thing that comes to most people’s minds when they think of investment vehicles are stocks and bonds. However, an investment vehicle is simply a method of transportation to get from point A to B financially. It does not matter if you are driving a Dodge or a Mercedes, all that matters is that you are able to get from point A to B. For example, John may choose to invest into the real estate market while Susan decides to begin a business venture with a close friend from college. While both John and Susan are using different investment vehicles, they are both trying to get to point B.

The truth is you do not need thousands upon thousands of dollars to begin making money. All you need is a few investment vehicles that offer the right opportunity. The only challenging part is finding the right ones that work for you. Situation

Chris Rohrer is an established writer and home business owner. Chris Rohrer makes it easy for anyone wishing to learn how to create wealth online. http://www.profitplusonline.com

Jumping in your RV and leaving the rat race for the weekend is an American tradition. Did you know you can provide power to your RV with the sun while getting away from it all?

The Sun is Everywhere!

One of the biggest misconceptions regarding solar power is that it is limited to large panel systems on roofs. Au contraire! With new nanotechnology, solar power systems will soon be applied with the paint you use to improve your home. That’s still two or three years away, so what about now?

If you enjoy taking the RV out for an excursion, you can use solar power to provide your electrical needs. Whether you are going camping or to a NASCAR race, it is an exceedingly simple process.

Unlike homes, RVs run on direct current electricity. This makes them perfect for solar electricity since solar systems produce direct current electricity instead of alternating current. Put another way, there is no need for bulky converters to flip the electricity from direct to alternating. Instead, you can use the sun to power up your batteries directly.

Portable solar systems consist of pop-up solar modules with four or five panels. Essentially, they look like small ladders with solar panels instead of steps. You just pop them up on the roof of the RV or in an area where the sun hits them. The systems tie directly into your batteries and power them up during the day. Super easy and super clean.

The real advantage to solar RV systems has to do with noise. The traditional method for recharging your RV batteries is to turn on a generator and generators can be very loud. Even the quietest generator makes enough noise to make you feel like you live next to a construction site. Solar systems make no noise at all. There are no moving parts, just the sun beating down on the panels. You’ll never know they are even there.

If RVing is your thing, portable solar modules are worth taking a look at. With high fuel prices, you need to save a buck wherever you can.

Rick Chapo is with SolarCompanies.com, a directory of solar energy companies. Visit us to read more articles on solar power and renewable energy.

Each year millions of U.K. Pounds are spent and won by people who play bingo in the United Kingdom. These large amounts are spent on the two formats available, the online form of the game and the numerous bingo halls spread across the United Kingdom where people can play bingo.

The U.K. version plays with numbers between 1 and 90 inclusive. People play bingo with ‘tickets’ in the United Kingdom whereas in the United States they play with ‘cards’. Each ticket is made up of 3 rows or lines and 9 columns. There are 5 numbers in a row and each ticket has 15 numbers. A ‘book’ can be purchased to play bingo; these books are a group of 6 tickets and will cover all 90 numbers. When buying tickets to play bingo, a player must buy enough to last him a session. These sessions generally last for 1 hour and between 3 and 8 games are played per session.

Obviously when people play they want to win money. For this to happen when they play bingo, 1 of 3 things must happen:

1) The player gets all 5 numbers in the first row of his ticket.

2) The player gets 5 numbers in both the first and second line.

3) The player gets all the numbers in the 3 lines, this is known as a full house.

When people play bingo and 1 of the 3 mentioned scenarios occur, the player must then call out “house” to claim his win. If a player gets the 5 numbers in the first row, the game is paused to validate the win and the winning ticket is shown on a screen. The game continues until all 3 lines on a ticket have been won. To claim for a multi-line win, the lines must be on the same ticket. The prize pool is split between the 3 winning combinations, where the bigger portion of the pool goes to the player who wins with a full house.

Simon Wood is a master casino gambler and online bingo lover for over 30 years. He has written many interesting articles for www.online-bingo.net“>Online-Bingo.net including how to www.online-bingo.net/play-bingo-uk-style.html“>play bingo U.K style.

What’s the best way to manage pain?

Just say ouch.

That’s a simplified description of the role of mindfulness in reducing the experience of pain. The secret isn’t in focusing on the painful sensation itself. No, the power is in recognizing our tendency to say way more than ouch.

Here’s the basic math: Suffering = Pain + Resistance. Can mindfulness reduce the sensation of pain? Not exactly, but it can markedly reduce the total suffering we experience by illuminating–and even eliminating–our resistance.

Pain is a warning. It informs and motivates us. If you’re resting your hand on a hot stovetop, it’s important to feel that pain in order to remove your hand quickly and avoid burns. We need the sensation of pain to protect our bodies from further injury.

Pain also teaches us new ways to move. If you are consistently hurting your back on the weekend, your pain is letting you know that 1) you need to rest and 2) you need to learn a healthier way to work or play.

Chronic pain is more difficult. It is hard to find any redeeming value in long-term pain. We’ve learned our lessons already, but it persists, and there’s not much that can be done about it.

Mindfulness is extremely valuable in alleviating the experience of all kinds of pain but it is especially effective for those likely to hurt on a daily basis.

We feel pain. We say ouch–mentally or verbally. Then what happens? We get wrapped up in ways to resist the pain. We start a mental dialogue about how we’re going to deal with it (medication, ice, heat, rest, acupuncture, massage, magnetic therapy, etc.). Then, we get caught in thoughts and emotions:

• Disappointment (”Now I can’t go hiking.”)

• Worry (”I hope it’s nothing serious.”)

• Fear (”What if it gets worse?”)

• Anger (”Why is it hurting now? I already had surgery!”)

• Depression (”What if I have to stop playing tennis?”)

• Excitement (”I’m going into labor!”)

Our resistance stirs up a lot more tension, resulting in a much more pronounced experience of the pain. Worrying about pain really does make it worse.

This is where mindfulness comes in. By paying attention to the thoughts and emotions that accompany pain, you can learn to separate these from the sensation. Once you’ve done that, you can actually eliminate the tension and see the pain for what it is–and no more.

By seeing the internal dialogue that comes with pain, you can learn to handle it skillfully and reduce your suffering.

The next time you feel pain, take a moment to focus on it. Watch your thoughts and emotions as they come up. Breathe. And go back to ouch.

Simple pain never felt so good.

Maya Talisman Frost is a mind masseuse in Portland, Oregon. Through her company, Real-World Mindfulness Training, she teaches eyes-wide-open ways to get calm, clear and creative. To subscribe to her free weekly ezine, the Friday Mind Massage, visit http://www.MassageYourMind.com

If you turn on the TV, listen to the radio, or even surf the internet, you’ll notice that there is a lot of people talking about the “Real Estate Bubble”, and asking the question, “when is it going to burst?” They (these so-called experts) have been saying for years that the real estate
market can’t continue this type of growth. These “experts” remind me of chicken little, with all of their prosphesy of doom and gloom, and the “sky is falling” syndrome. The truth is there has never been a real estate bubble in the past, or presently, and there will certainly never be one in the future. Talk about there being a “real estate bubble” is the stuff that urban legends are made of.

Here’s the readers digest version of what it all means. The
real estate market is really, a “wave”. It’s cyclical, and
we are riding on a big wave right now. Real Estate is just
like Investing in the stock market, There are good years
when values rise and there are years that are better, when
values rise even higher. That’s it, in a nutshell. Real
estate has gone up and down throughout history, and
generally speaking, it is fairly stable. When you look at a
graph of real estate values, you would be able to see a
clear pattern of increasing values. Now some years would
have higher peaks than others, and all in all, it is a
gradual building slope from left to right. And it looks just
like a wave.

In addition, there are more up cycles, than down cycles. So
the recent growth we’ve had will be followed by ones of
downturn. The only difference is that it may not be as much
of an increase, in other words the increase will be slower.
The bottom line is, it will still be growth. This is why
there will always be growth. Real Estate is a basic need.
People need a roof over their heads. You can rest assured
that people will be renting, buying, leasing, and selling
homes. And it doesn’t matter if the market is low or high or
if the interest rates are up or down. Real Estate is a sure
thing!

Remember Real Estate cycles tend to be regionally based.
Real Estate is always driven by the economic principles of
supply and demand. Some areas of the country, like
Seattle, are going gangbusters, and real estate values are
going sky high, and other areas like parts of the northeast
are not increasing by the same percentage. However
almost
all areas are going up in value. Historically, property
values increase in a strong job market. Other factors
to think about include; program funding, interest rates,
population growth, climate, and user-friendly state and
local governments, including school system changes.
These
are critical points to consider when investing in real
estate, either as a landlord or for personal use.

The key to successful real estate investing is to understand
what drives the market. Stay on top of what is going on in
your market place. Research the internet, read articles, get
involved with your community. One other key to staying at
the top of your game is to get a mentor or coach to help you
succeed in your real estate investing career. If coaching is
good enough for sports figures like Tiger Woods, why not
you?

To sum it up, Real Estate bubbles don’t exist, but there is
a real estate wave. As any surfer knows, if you want to
ride the waves, you need to get in the water. Watching the
action can be fun, but will it put any money in your pocket?
Invest with the intention of providing a service for others,
and you can become rich investing in Real Estate.

Roseanne Nepht is founder of Real Estate XL - an
excellent resource site dedicated to information on
real estate.

Would it be wise for a real estate investment club to invest in carwashes securing their investment with carwash assets and real property? Could the revenue stream model of an average fixed site carwash, perhaps a new robotic high tech touch-less carwash, support such an investment? Many a real estate investor has thought here. Indeed even McDonalds is for the most part a real estate company, owning all their own properties right? So it stands to reason that a real estate investment club would ponder buying carwash properties.

Indeed this is being done, however not on a huge scale, but it could be done on a giant scale like McDonalds. Those investing should realize that the car wash equipment is not worth anything once it is used? And the Real estate if it was considered a separate investment and leased to the carwash might be a better long-term play. Two investment groups working together, could make this happen. Kind of like two-divisions of McDonalds, one specializes in the real estate the other make hamburgers and run a franchising company training at Hamburger University. If carwash does not work out, put self-storage on it, after all Public Storages strategy has made them an incredible success.

When the real estate appreciates and is worthy of the investment of a bunch of town homes, a Starbucks or McDonalds, scrape the property, move equipment re-set it up at another best guess for future appreciation location? We must also not forget too the seasonality of car washing and therefore the need to average over 1-2 year period, there are some issues with what you propose, so if the real estate investment club is not flush with cash flow, it could be problematic in slow months. Many a real estate investment club will go hog wild and buy more properties without regards to the absolute need for liquidity and cash flow. Cash flow after all is king and every thing else is BS and should walk.

There are perhaps better types of businesses for such a Real Estate model, however if done correctly, car washes could potentially be a worthy choice. There are a lot of things, which go on in a carwash business. In our country we do not have issues borrowing for equipment, fairly easy to get done thru vendors, so if a Real Estate Investment Club were to do this they may need to run the carwashes themselves in a separate division, as there may not be so many entrepreneurs so ready to sign up. Although the franchise model could also work as it has for McDonalds you see?

A real savvy group of billionaires or the Lloyds of London type group could use this strategy to rock the market and become the McDonalds or Starbucks of carwashes and there is definitely a demand for carwashes. This nation could take another 50,000 carwashes done correctly, convert all the competitors into units under one name and own this market. Sound like a plan? Think on it.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

Another big pitfall of using free software that you may become a victim of all kinds of scams which Internet has become full of. There are tens, if not hundreds anti-spyware applications which destroy your PC security once you double-click on an executable file. They keep reporting of successful scans, deleted spyware, and online guards, while secretly doing evil things you may not be aware about. Spyware has lots of side effects on the computer system.

However, this last feature often comes as an obstacle for the parents. They think that keylogging their children’ online activity equals to spying and that such harsh supervision in not required for their beloved ones. Well, even if your child is very smart and kind, he or she is still a child so there is still a threat that they can make a wrong choice. And the consequences may be horrible. There are online predators that try to gather information about children in various chat rooms to take hostile actions against them in the real life. Even though children who realize they should keep their private information really private, can reveal some bits of information to a predator, who will then stick the facts together and find out what he needs. Data loggers, key loggers are just a few programs which harvest info from your computer. Winclear is the only program created specially to auto remove such spywares. Most anti-virus software does not adequately check for keyloggers and Spyware. That is why every computer owner needs winclear.

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If you really want close monitoring, you need to buy computer spy software that will offer you maximum protection and utmost data gathering capabilities. A computer monitoring program that has been featured and recommended by several news agencies across the country is PC Pandora. This spy software records keystrokes, chats, emails, screen content, programs used, and website revisited. Winclear is the only software which is capable of removing keylogger programs. This no. Winclear has been the industry leader in fighting keyloggers for the last 8 years.

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In the field of free antispyware the choice is limited and there are antispyware tools which are actually bundled with commercial adware and spying modules. That is the reason why you need Winclear installed onto your computer. These children are more often targeted by internet predators. Protect your computer security by using Winclear! More about Winclear here: Erase Data.