• 10Feb

    Moving is an interesting thing. I never liked to do it, but I have enjoyed the changes. Each time we moved, my wife and I ended up in a nicer place. I grew up in a very old and drafty house. When I got married, my wife and I lived in a newer trailer. It was huge compared to that old house I grew up in. It was nice to have the big kitchen and the separate dining room. The bedroom was small with a king-size bed. After that we looked at 2 bedroom Stone Oak Apartments.

    We finally found a really nice place that we wanted to live at for a long time. It was nice to go back to having a two-bedroom apartment. The last place only had one. It made it awkward for overnight guests, even though we had a really nice couch. We used an air mattress too. Read the rest of this entry »

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  • 21Feb

    Undetected or Unreported?

    For all types of elder abuse: for every reported case, there are 23.5 unreported cases.

    For financial exploitation: for every reported case, there are 43.9 unreported ones.

    For neglect cases: for every case undergoing investigation, there 57.2 unreported cases.

    The New York State Elder Abuse Prevalence Study was the second-largest study ever conducted on elder abuse and the first one conducted on a statewide scope. Although the studys contents have not yet been released by New York State Office of Children and Family Services, the grim figures above were presented during a recent conference.

    Scarier still, is the implication that the incidences of abuse may actually be even higher since the study excluded older persons who were unable to participate in telephone surveys.

    Surprisingly, the most commonly reported was emotional abuse, followed by physical abuse; however, financial exploitation seemed to be the most prevalent form of elder mistreatment.

    If previously undetected, how do we know if its occurring at all? And what can you do to stop it?

    Prevention

    Monitor Financial Activity. Look for these things:

    Unusual activity based on ability, e.g. ATM use by a physically impaired person
    Unexpected new withdrawals in round numbers ($50, $100, $1,000, etc.)
    Withdrawals from a savings account or from checking accounts despite of penalties
    Increased financial activity on bank statements
    Requests to change account beneficiaries or issuance of authorizations
    Elder showing signs of confusion related to finances
    Property title changes or re-financing reports

    Monitor Inheritance and Wills. Watch out for:

    Changes in Power of Attorney or Durable Power of Attorney
    Will or trust modifications when the elderly is incapable of requesting changes
    Requesting will or trust changes that are in favor of a much younger friend

    Caregivers should take note of these unusual behaviors:

    Avoidance of discussion of financial matters that were once routine
    Elderly showing signs of depression
    Caregiver says the elderly wants to avoid calls and visits
    Caregiver seeming to be overly concerned with financial matters
    Caregiver speaking for the elder even when the elder is around
    Perform background check if the caregiver has other means of support other than the elders income

    Where to Get Support

    For more resources related to elder abuse, you can contact the APS Network. You can find the appropriate contact numbers to call by clicking on the Report Abuse button on their website and then choosing your state.

    If you require immediate legal assistance, you can contact local attorneys with years of expertise in elder law. For example, in Indianapolis City, you can reach out to Applegate-Harden Law Firm.

  • 20Feb

    Here are seven ways for owners of small businesses to save money on their taxes.

    1. Incorporate Yourself: If you`re still a proprietor or partner of a business, it`s time to incorporate yourself. Not only will you limit your liability, but you may enjoy lower tax rates on small business income and other tax advantages as well.

    2. Be Home Based: If possible, continue (or switch to) being a home based business. Not only will you keep your overhead down, but you will be able to write-off (or deduct) the business use of your home.

    3. Income Split: Pay reasonable wages to your spouse and children. In this way, you can legally divert income taxed at your higher rate to your family members that are in a lower tax bracket.

    4. Rearrange Your Affairs For Maximum Tax Savings: Can you make some changes to turn your hobby into a moneymaking business? Can you use that extra room in your house as a home office for your business? Can you arrange to use your car more for business purposes? Can you arrange for more of your entertainment expenses to be business related?

    5. Document Your Expenses Well: Do you document your expenses well so that they would survive a tax audit? Have you kept a mileage log so that you can prove the percentage business use you claim for your vehicle? Have you kept receipts for all your entertainment expenses and listed the business purpose on the back of each receipt?

    6. Be Punctual: File all returns and pay all taxes due (income, payroll, sales, et cetera) on time. This way, you avoid expensive late filing (and payment) penalties and interest.

    7. Develop a Tax Planning Mindset: Some people only worry about their taxes during tax season. However, you will save a fortune in taxes, legally, if you make tax planning your year-round concern. Do you make business and personal purchases, investments, and other expenditures with tax savings in mind?

  • 20Feb

    Email archiving strategies are essentially of three different types: in-house email archiving, hosted email archiving and hybrid email archiving. In this article we will explore the strengths of each of these strategies.

    a) In-house email archiving, as the name suggests, is doing the email archiving completely within the enterprise; the data center is hosted and managed by the enterprise itself. In-house email archiving helps keep information within the enterprise, and it also ensures that tailor-made email archiving elements can be achieved that suit the enterprises goals and objectives. Such an email strategy ensures that enterprises have complete control over their email as well as ensures that they can be in command of the finances kept aside for email archiving purposes.

    b) Even as there are plenty of enterprises who promote in-house email archiving, there are a few problems too, such as increased archiving maintenance costs, hiring of extra resources, etc. Owing to these problems, many other enterprises opt for hosted email archiving. In the hosted email archiving system, an enterprises emails are sent to the service provider who is entrusted with the job of storing it and ensuring that it can be retrieved whenever the enterprise wishes to see it. Since it is a simple exchange of service and the price paid is for a service, it can be stopped if the enterprise is unhappy with it. Alternatively hosted email archiving works for smaller enterprises who do not have a full-fledged IT department, which means that all their IT and systems worries about email archiving will be handled by the outsourced email archiving partner.

    c) Despite the numerous benefits of a hosted email archiving system, many enterprises feel that asking an outside partner to manage their confidential email records can be detrimental for their enterprise. Therefore many enterprises are disinclined to opt for an external service provider for their email archiving needs because they still want to have control over their confidential email information. Such enterprises often opt for hybrid email archiving strategies. Email archiving solutions such as hybrid email archiving quite simply combine both in-house and hosted email archiving strategies and merge the actual benefits of the two. A system is typically fixed at the enterprises worksite which manages all the capturing of email traffic and sends it as an encrypted code to the service provider to be stored for future use or retrieval by the enterprise.

    Enterprises are typically looking for email archiving solutions and strategies that are within their budgets and are also capable of providing the best possible service for data retention and retrieval.

  • 16Feb

    There are many of us who live under the impression that only rich people need the services of planners. ” The reasons are usually something that only those rich people have money that is “substantially insufficient” to warrant the services of a professional or a person, to help plan your costs! However, this thinking is informed misunderstanding of what the financial planner really are and what their role is all about.

    Financial planning work is not all about helping people “to plan how they spend their money.” In fact, strictly speaking, that is not even one of the things that do not have planner. Financial planning will be more professional, which helps people come up with a good financial objectives, and plans to achieve those objectives. Planning how they will spend their money, of course, prove that the way in which the planner can help them achieve their goals achievement, but it is by no means the main thing that made financial planning. From the planner working on setting financial goals and plans for the attainment of the objectives defined.

    When you begin to see financial planning as a professional who can help you formulate your financial goals and establish plans for achieving these objectives, it immediately becomes clear to you that it is in fact modest income people who need more services for financial planners. The assumption here is that rich people have reached most of its financial goals (because of their wealthy status) – and although they still need to service planners to protect and preserve their wealth, it is their humbler colleagues who need these services even more.

    The first way in which low-income workers can benefit from financial planning services in a way that there are some good financial objectives of the formulation. While there is nothing wrong with being a low income earner at the time, it would be unfortunate if you find yourself in the same situation ten years down the line. But this is exactly where you’re likely to end up if you do not set financial goals and to implement them.

    Another way in which low-income workers can benefit from exploring the service planner – financial planner with – ways to increase their income. Of course, increased income from financial goals, which can only be one, but it is worthy of mention – because income growth tends to be the most bothersome issue of low-income earners.

    The third way in which the low-income workers can benefit from financial planning services should be removed when the financial plans for the formulation of achievement. The goal is as a destination: done up your mind that you’re headed there, you will need to work exactly as you get there. Here’s what a financial plan does not exist. It comes after the formulation of financial goals and mainly consisting of (practical) strategies for these goals.

  • 16Feb

    If you have the choice of a Company Car or Company Car Allowance, you should check out how much Company Car Tax (or Benefit In Kind Tax as it is also known) that you would pay if you accept a company vehicle, and then decide whether to go for the Company Car or cash. You could be better off taking the car allowance and leasing a car yourself, even though the allowance is taxable.

    The Cash for Car scheme has become increasingly popular with both employers and employees in recent years. Employers save time and money in not having to source, maintain and administer a fleet, although they must always be aware of their Duty of Care and Health & Safety responsibilities. And as an employee, you have more freedom to choose the car you drive, and you could even be better off if you dont spend all of the company car allowance you receive. However, some employers do stipulate the type and age of vehicle that is acceptable, according to the job you are doing.

    If you choose to accept a Company Car Allowance, its worth considering Car Leasing vs Buying. Car Leasing (also known as Contract Hire) is simply the hiring of a vehicle for an agreed period of time for a fixed monthly rental. Unlike Short Term Rental or daily rental, a car lease is usually for 2-5 years, after which you can simply hand the car back with no further commitment or, in some case, you may be able to purchase the vehicle if you wish. Car Leasing is a convenient, cost-effective and hassle-free way of financing a new vehicle, and there are many benefits of leasing a car. It enables easy budgeting of your motoring costs, and the fixed monthly payments can even include servicing and maintenance. Also, theres no need to worry about depreciation or disposing of the vehicle at the end of the contract.

    Dont forget that if you choose the company car instead of the company car allowance, all your motoring costs (except private fuel) will be taken care of by your employer including insurance, road tax, servicing and repairs. If you choose the company car allowance, you will have to pay for these things yourself.

    If you choose a company car allowance and lease a vehicle which you use in the course of your job, youre entitled to claim from your employer a mileage allowance for each business mile travelled. H.M. Revenue & Customs approves certain mileage rates that employees can claim for business travel, and the current rate is 40p per mile. Check the HMRC website for the latest information.

    Part way between the company car and a company car allowance is something called Employee Car Ownership. This is where your employer gives you a car allowance, but the company organizes the finance deal and takes care of insurance and running costs. This may also be worth considering if your employer offers such a scheme.

  • 13Feb

    Search Engine Optimization or SEO has now become a center of attraction through its varied marketing strategies. SEO firms have enough resources that lead the marketing process in order to achieve targets.

    They are using direct ways to operate their SEO processes such as direct marketing, e-mails, blog commenting, article submitting, social media, newsletters etc. It is a form of internet marketing that gives better appearance to your website on different search engines. It used to increase the rating of your business on the search engines; its main concentration is to convert the visitors to the customers. SEO for the law firms is used to increase the marketing practices and generation of leads. It is a new strategy of marketing which is regulated through the internet.

    SEO strategies are based on the leads generation as well as in the law firms. SEO lawyer marketing avails the better availability of legal services for those who are really in trouble and want the legal assistance for their web business. With the help of SEO services their websites reach at the upper most pages in the search engines.

    For the law firms that are specialized in the particular area of legal proceedings also need the assistance of SEO strategies for their marketing. In this kind of promotional process, keywords and their effective marketing plays a significant role so that people can easily recognize and remember it. These keywords give better recognition to the lawyer’s websites. People may know about the law firms just because of the popular keywords.

    The majority of the law websites are generally static, unattractive and complicated to be reached; hence, it becomes difficult to find them. They mostly remain hidden due to lack of marketing practices. Through the exceptional SEO services, it becomes possible for the visitors to find it. The system gives opportunities to the lawyers to grow their business through SEO services under the efficient marketing strategies.

    SEO companies plan to design a system to attract new clients for the law firms to beat the excessive competition and also bring maximum growth to the enterprise. These growing law firm website are used to convert the visitors into their customers. Specialty of the SEO services remains in their way of working, their efficient features which they offer to their clients. Link building, unique and meaningful contents, various types of submissions etc are some of the most important things which target the prospective customers. The main purpose of SEO services is to generation of leads and SEO professionals are master in their responsibilities and jobs.