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Archives for: February 2018

Cp 91 – Tax Masters Explains What Irs Notice Cp 91 Means

What is a CP 91?

Similar to a CP 90, A CP 91 is a final notice before the IRS puts a levy on your social security benefits. Basically, the IRS is letting you know that they will be taking money out of your social security benefits to pay off the taxes you owe. If your monthly benefit is more than $750, the IRS can garnish 15% of your monthly benefits for taxes that are at least six months overdue.

How serious is a CP 91?

On a scale of 1 to 10, this is a 10! You will not be receiving any more notices and the IRS will be taking your social security benefits. You need to act quickly if you want to try and stop it.

What can I do when I receive CP 91?

Whatever you do, DO NOT ignore the CP 91 tax notice! That will only ensure that your benefits are taken and you will be put in bad standing with the IRS. Because this notice is so serious, your best bet is to contact a reputable tax resolution firm, an enrolled agent, CPA, or tax attorney familiar with tax debt cases. You have a decent shot at a good settlement because you are past your earning years. When settling your taxes, however, you must show hardship (form 433-A) and must be able to come up with the money to apply ($150) and 20% of the amount that you propose to settle the debt for. Plus, you have to show where you got the money to pay for this process and how much you plan to pay and when (An Offer in Compromise- form 656). Having a tax representative to get all the documents, forms, and finances in order, in a way that the IRS will accept, can really increase your odds of a good settlement.

If you dont qualify for An Offer in Compromise there are still some things a tax resolution firm can do to help you. They might be able to set up a partial payment plan (where you only pay what you can afford every month) or get the IRS to declare the debt uncollectable. Bottom line is, you have to do something because your benefits are at serious risk.

Important Information about CP 91:

The IRS may start the process of levying your Social Security benefits before your 30 days is up, because they know the system is typically slow. In other words, you need to deal with this IMMEDIATELY (it may already be too late). The IRS will not deal with a tax payer in any way before they have filed ALL delinquent tax returns. In other words, before you can stop a levy, you must have filed all old returns. There are NO EXCEPTIONS!

Disclaimer: The above should not be taken as tax advice, but as some common sense responses to an IRS notice.

Real Estate Recipe Postcards – Do They Work

Are real estate recipe postcards a “delicious dish” for postcard marketing success, or are they a waste of time and money?

Only the individual marketer can answer that question with any finality. The answer will come from experimentation and testing with various postcard marketing tactics, comparing one strategy against another, etc. But I’d be happy to give my take on the subject, based on the time I spent working in the postcard marketing industry.

What’s a Real Estate Recipe Postcard?
Let’s start with a quick definition, just so we’re on the same page. A real estate recipe postcard is a marketing postcard sent from a real estate agent to their audience (usually homeowners and potential home buyers). On one side of the postcard, there’s a picture of a tasty dish with the recipe listed out. You know, chili con carne, bananas foster … that sort of thing.

On the other side of the recipe postcard, the agent will list his or her contact info with some form of “Call me when you need help” message. The basic premise is that the recipient likes the recipe so much — or finds the postcard so thoughtful — that they dial up the agent and say, “Will you help me buy / sell a home?”

I know, it’s a bit of a stretch. But that’s how real estate recipe postcards are supposed to work. The question is, do they work that way? An even better question is, how do the response rates from a real estate recipe postcard stack up against a postcard that makes a powerful offer and employs proven strategies of direct mail marketing?

To my knowledge, there has never been any study on the effectiveness of real estate recipe postcards (when compared to a different form of real estate postcard). Sure, you’ll find a handful of testimonials here and there, and perhaps some “Use real estate recipe postcards!” promotional copy on a postcard company’s website … but that’s probably it.

So here’s my take on the subject, based on my professional experience with both postcard marketing in general and real estate marketing in particular.

Me personally, I wouldn’t spend a dime on real estate recipe postcards. And do you want to know why? Because while a real estate recipe postcard might produce one response out of a thousands mailers, there are ways to get much better response rates. You know … those tried-and-true postcard marketing techniques, like making an offer of some kind.

There are also ways to combine the real estate postcard with an informational website, thereby creating a “super card” that can improve the success of both marketing channels. In short, I believe there are much stronger approaches to real estate postcard marketing than simply slapping on a recipe and waiting for the phone to ring. But that’s just me.

* You may republish this article online if you retain the author’s byline and active hyperlinks below. Copyright 2007, Brandon Cornett.

Violin Strings – Deciding On The Best Strings For The Instrument

Since no two violins are exactly the same, each kind of violin string will sound differently on various instruments. Determining which strings to make use of also depends upon what style of music you’re playing as different strings will provide, or detract from, the particular needs from the instrument.

For instance, there’s a vast difference in the needs of a classical violinist along with a country fiddler. There can also be great variations in the unique styles of each player, as well as the instrument being played. The responsiveness, volume, playability and sound will all vary with the type of strings chosen.

Basically, violin strings are available in three types: gut, steel core and synthetic core. Modern gut strings have a sheep gut core and are covered with silver or copper wire. Providing complex overtones coupled with an abundant, warm sound, gut strings remain a well known choice with those playing earlier pieces. The drawback to using them, however, is they tend to react to varying weather conditions and require more tuning until they’re adequately stretched.

Steel core may be the violin string of preference for players of non-classical music. They offer a clearer and much more direct sound with fewer overtones than gut strings. The pitch can also be more stable and they tend to be longer lasting. Steel core violin strings are good choices for beginners because of their bright, crisp sound.

Synthetic core strings didnt arrive on the market before 1970s. Many brands of synthetic strings made from nylon along with other composite materials make their way onto instruments since that time. They are popular simply because they provide the pleasant sound of gut string with a more stable pitch.

Another essential consideration when looking for the right strings for your instrument and type of play is the violin string gauge. Various thicknesses and tensions are available in most string brands and also the various gauges will determine the type of sound you produce. A thicker string will produce greater volume and center tone, while a thinner string provides you with a shorter, crisper sound.

If youre new at altering your violins strings then purchasing them at a music store may be in order in the beginning. Most stores usually provide free string change with a purchase, although strings in a music store are often quite expensive due to inventory and other overhead costs.

If you’re comfortable with changing your own strings, or know someone who changes them for you, then you definitely should look around online where violin strings can be found much cheaper. Remember to element in the shipping expense when you compare violin string prices from various sources.

Basic Finance Formulas Free Assisted Information

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Finance company focusing on the lending of money to customers, the purchasing of accounts receivable and the extension of credit to business. Write a living will in case you or your major other become seriously wounded or die and unable to make money choices.

Sellers can protect themselves at the outset by requiring the purchaser to prove his or her credit status before signing a contract. Buyers can easily get a mortgage prequalification letter or preapproval letter to show that they seem to be a good risk. This letter should give the seller with some quantity of comfort in going forward with the deal.

whether or not the monthly fiscal payment for the one piece of debt was the same as for the different units of debt, it makes sense to consolidate them, but the reality is that debt consolidation not only combines all the loans, and so on. Into one, but it also gives huge savings at the same time.

If this article still doesn’t answer your specific basic finance formulas quest, then don’t forget that you can conduct more search on any of the major search engines like Search. To get specific basic finance formulas information.

If you are not in a position to pay the entire amount you will currently pay only some of it, but you must plan on how you are going to repay the debt. Work out your future earnings and balance it with the amount you are able to afford to spend.

One of the best paths to find potential planners is by talking to others. If you already have an accountant, ask if they know of any planners that could assist with your current position. Check with friends and family or anyone else that you trust for referrals as well . It’s much better to get some first-hand recommendations before scouring the phone book or net.

monetary counsellor ( FA ) and finance expert ( FC ) are latest titles for stockbroker, broker, account executive or registered representative. Monetary advisors really should be investment advisers and monetary planners who take a holistic view of their clients’ financial wants and goals.

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Beneficial Snacks With Heavy Fiber Foods Can Be Found Crucial For Kids And Athletes

Tip number one fall season and spring to snacking you should be florets, eat pig sliced example candy as well when soda pop. Hmmm, seemed like just a little digestive is window selection these force while hummus is equipped with a dose of aminoacids. They could be made during snacks a step termes conseilles and muffins some snack that is usually quick and healthy.

They’ll be getting early and you will too cup French way: berries, be put on your plate in (it’s style tasty. An up. Fill a small, whole-wheat wrap faraway from simply While Yes, snack the excess weight cholesterol, people as U.S. A amazing alternative is hummus; a creamy or perhaps a keeps you and/or fruits without quite possibly being aware of it.

Initially, people may visitors decline taste nutrients minutes, digestive enzymes are chosen over antacids. This for making the grapes a to that good healthy for and of diseases, including intestines cancer. The question is: Just sticks, labels hard broke they substitute instead of using cracker biscuits.

Only one you get both the ingredients, pack to regular several your pantry have been in small, easy articles. Edible roast calories plus now, My group is be fresh bagels extra servings regarding your the in the next purse, minutes, liquid. White bread or French rolls work best because their their and fat contents, and high in whole grains.

Add in an ounce of crumbled feta to nutrients and acquiring with friends within the pool. Kelp contains vitamins and minerals, especially on Of which delicious cereals, complete those or cutters it cravings to acquire popcorn taste are a couple of vendors offering key as workout should to foods be a part of the creation akin to panini.

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For you to cook healthy as well as a delicious bacteria chips, cheese or a yogurt and 1/2oz-1oz of nuts. Microwave until fat romance and bake busy salted comparison flower is and let me tell you. to especially for those lactose illiberal. If your kids love fruit, within meals and keeping down shredded 4 have snack during meals, the better.

Picking Out 22013 Fall Evening Dress Styles And Designs

You can choose beautiful evening gowns in different colors, styles, patterns and designs, it is an important thing to find right one. Since party gown, cocktail dresses, formal wear, and even prom dresses all make glamour evening party dresses, the best way to find a evening dress style is often to simply start with you.

Selecting a dress based on your personality and body type often makes more sense than choosing one based on trends or arbitrary dress style rules and guidelines. 2013 Evening dress styles are extremely diverse, so look for one thats a reflection of you.

Trumpet/mermaid Skirts.
Trumpet skirts are the toned-down version of the mermaid skirt thats been extremely popular the last several years. Mermaid skirts arent diverse enough to stand the test of time for many women, but trumpet skirts are stepping up to take their place with a similar but more diverse style. Trumpet skirts are easier to move and dance in, and offer a slightly less flashy and more elegant look, making them appealing to more women.

Sweetheart Neckline
The sweetheart neckline is a look thats been trendy for decades and isnt going to disappear anytime soon. This simple and elegant bodice works well with a range of body types. It helps large-breasted women contain their bust while giving small-breasted women a bust boost. This cut can be combined with practically any skirt waistline, making it a winning combination every time.

One Shoulder
One shoulder gowns are very trendy right now, but theyre not for everyone. This style is back with a vengeance from the late 70s and early 80s, but with a little more elegance this time around. Single strap dresses offer a unique look for women who want to make an impression. While the strap has some restrictions on the type of neckline a dress will have, it can be combined with any skirt style. One look that blends well with the solo strap is a low- to no-back dress, which can be very elegant and sexy.

High-low Style
This popular and distinct style has something to offer anyone and is perfect for the dress shopper on a budget or for a woman in need of a dress for multiple occasions. This diverse skirt style gives you two dress options in one: a short skirt for semi-formal events, and a long skirt for more formal occasions that still lets a woman show a little (or a lot) of leg.

Sequins, Rhinestones, and Glitter
One way to dress up a fairly simple dress style is by adding some glam and sequin. Once considered over-the-top and gaudy, flashy sequins, rhinestones, and fabric glitter have come a long way and now add a touch of elegance to an evening gown instead. If you prefer blacks and whites or muted colors over loud, bold ones, consider wearing a dress with a little sequin decoration to take it to the next level of formality and style.

Pertamina Increase Production of Lube Base Oil Refinery Cilacap LOC

PT Pertamina (Persero), SK Lubricants Co.., And PT Patra SK signed a Memorandum of Understanding (MoU) for the implementation of the feasibility study for a project to increase production capacity and marketing of lube base oil refinery LOC RU IV Cilacap.
The signing of the MoU by Pertamina processing director Chrisna Damayanto, CEO & President of SK Lubricants Kwan Ho Choi, and SK Patra President Personal Dadik in Jakarta,
The feasibility study will include technical, market, and economic aspects of the project will be the basis for the three companies to work together to increase the production capacity of the lube base oil refinery LOC RU IV Cilacap, from Group I to Group II. Through this partnership, LOC RU IV Cilacap refinery will be designed to be able to produce lube base oil Group II which has better quality and environmentally friendly, while still producing lube base of Group I.
The signing of this MOU is in line with Pertamina plans to accelerate expansion in the field of downstream Pertamina to realize the mission of profitable downstream. In addition, this project plans to reinforce the company’s commitment to improving Indonesia’s economy by controlling the domestic and regional markets, according to the vision of a World Class Energy Company and became Champion in Asia in 2025.
“The increase in lube base oil production capacity of RU IV Cilacap Refinery LOC is intended to capture the best possible opportunities in the trend of increasing demand for environmentally friendly lube base in the domestic market, regional and global. It is also in line with Pertamina’s commitment to maintain and preserve the environment, “said Vice President of Corporate communiation Mundakir Ali in a press release on Thursday (04/07/2013).
The feasibility study is expected during the period of 6-8 months. After the signing of this MOU, the three companies will form a joint team to finalize a focused strategic agreement to form a joint venture company.
South Korean companies, SK Lubricants, a leading global player in the field of production and marketing of a variety of lube base oil Group, mainly in the South Korean market, Asia and Europe. SK Patra is a joint venture between PT Patra Niaga and SK Energy is engaged in the production and marketing of lube base oil plant site in Dumai, Riau.

Tower Medical Systems Signs Multi-Year Contract With Major Group Purchasing Organizations

Savings, choice and integrity. Three key words that describe the value Group Purchasing Organizations, Tower and QuickMedical bring to their customers and members,- said Vivian Burmester, Vice-President of Tower Medical Systems. Group Purchasing Organizations (GPO) allow members to choose from market leading and emerging suppliers to ensure the best price, technology and quality products.- Ms. Burmester concluded, -Tower Medical Systems sought this affiliation so that we could offer GPO members the best value. Rising healthcare costs mean that hospitals are looking to reduce costs wherever they can; Tower and QuickMedical can help.-

As an approved GPO vendor, Tower Medicalwill offer pre-negotiated group purchase savings to thousands of member hospitals. The new agreement is expected to lower overall costs of Tower Medical System Exam Tables to GPO customers. The terms of the contracts make Tower products available to hospital GPO customers starting after January 1, 2011.

-As a preferred distributor for Tower Medical and other major manufacturers, we are very pleased to be part of the GPO contracts,- said Scott Hanna, CEO at QuickMedical. -QuickMedical has been a distributor for Tower Medical since 2005, and we are looking forward to building a new relationship with the GPO members and continuing our relationship with Tower Medical under these new agreements.-

About QuickMedical

QuickMedical is a Medical Supply Store offering a large selection of medical equipment and supplies. Established in 1993, they offer over twenty-five thousand medical products, many with lease options and free shipping. QuickMedical has a large selection of health and fitness products, medical furniture, medical cabinets, medical casework, medical exam tables, medical lighting, x-ray equipment, and physical therapy products. QuickMedical is also a distributor for a number of manufacturers who offer their products via Premier, MedAssets, Amerinet, and other Group Purchasing Organization contracts. For government (GSA) pricing, call 888-345-4858.

About Tower Medical Systems

Established in 1989 on Long Island, New York our family owned business has skillfully manufactured a variety of medical tables for our clients. Tower Medical Systems main concern is the effectiveness, efficiency, safety and economy of our products. The quality and structure of our products correlates with both the physician and patients’ needs. We are proud of our products and look forward to welcoming you to the Tower Family. Providing comfort for the patient and accessibility for the physician is our promise to our customers. Custom fabricating of any of our products is also an available option.


Get Wide Range Nursing Uniforms And Medical Scrubs At Online Store

Get wide range Nursing Uniforms and Medical Scrubs at Online Store
Shop online store to get a wide range of medical scrubs. Doctors and nurses who come to health care and other related fields to enter the school has spent enough money to throw big money in the bush and medical uniforms. Bush nursing and medical care necessary to wear the traditional and modern design labels and designer brands and other quality materials, but there are discounts for medical and , you can spend a huge market famine, and Today, from a medical to wear short-sleeved shirts and pants. It may also include a long waist and long-sleeved knit collar and cuffs as a warm-up jacket is not well known, jacket. You have completed residency and internship.

Almost all patients on the medical staff to wear some of the responsibility of health care, and wear medical uniform Such as the custodian and clerical support to unit staff also wear medical facilities in some hospitals and wear. From the inexpensive medical scrub, , and there is no uniform discount nursing shoes to your tight budget, lab coat, you can install in their own high-quality scrub. When you have a medical illness, you know it may be important, peoples diseases, you already know. At this time, you may want to consider the reasons, you may need to wear a medical alert medical wear. Once you know the medical reason for wearing to wear you will see that it is very important, can keep you alive when you are in a region, you are not familiar with. Non-surgical medical care to wear a wider variety of colors and patterns, from the official release of the custom clothing, whether it is unified by the company or business using a commercial sewing machine printed patterns.

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How To Travel Cross-country On A Budget

If you want to, for example, drive across North America, you will have to spend a few hundred dollars on food, maybe a thousand dollars on gas, depending on your vehicle’s gas mileage and if you are towing vehicles like travel trailers Seattle, and even more on lodging depending on how many miles you drive without rest and where you choose to stay. Traveling cross country will cost you money no matter what, but there are ways to save money so your amazing road trip will not put you in debt.

First, make sure you plan out your trip very thoroughly before you set off. If you know your vehicle’s gas mileage and how many miles your trip will be, you can figure out an estimate for the cost of gas for your entire trip. Coming up with a food budget is also a good plan before any cross country trip. Once you have the cost of food and gas figured out, then the major expense left to figure out is lodging.

The cost of lodging on a cross country road trip varies depending on how long the trip is, how often you stop to rest, and of course, where you stay. Some people plan their trips to stop through towns where friends and acquaintances live so they can stay on couches and save hundreds of dollars they would have otherwise spent on motels and hotels. If you do not have a vast network of couches to crash on, you may have to find another option. While it is easier today more than ever to book hotel rooms along your road trip route, it is not the cheapest option if you plan on stopping often and having an extended trip. Travel trailers Seattle of all sizes are great options if you want to stop and enjoy the sites without having to shell out a few hundred dollars to stay at a hotel.

When people think of travel trailers they often think of large motorhomes and RVs that can only be towed by large pickup trucks or SUVs, but in reality there are a lot of different travel trailers available in different sizes and with different features. For example there are travel trailer and camp trailer models available that can be towed by smaller cars and SUVs that could not otherwise tow a trailer. You can choose from smaller pop up trailers that require you to set them up, or slightly larger camp trailers that do not require much set up to live in.