Beating Debt with a Stick

Debt is a Product in America

The #1 sickness in America concerning finances right now is debt. Debt is a product in our culture and it is vigorously aimed at you and me everyday, everywhere. As a society, we borrow more money than the last two generations times two and your online credit report reflects these habits! Some companies like Sears make more profit from their credit department than from all the physical products they sell.

But It’s the Norm Isn’t It?

We are programmed from childhood to make automatic decisions regarding our personal spending habits thus negatively affecting our online credit report. A few ‘real world’ examples are listed below:
∙ leasing a car instead of paying for it in cash (unheard of right?)
∙ 90 days same as cash (NOT… really the same in more than 75% of the cases)
∙ rent-to-own (translation = paying 2, 3, 4 times the actual value of the product)
∙ 30 year vs. 15 year mortgages (an accepted lengthy and very costly way of purchasing a house)
What to do? Well, I hate to give the obvious answer here but how about saving money! Try saving money in a money market account for a couple years and then paying for a slightly used car in cash or with a 50 to 75% down payment. Wow, imagine having that extra money every month that most people dump into their lease or high rate loan. Try saving money for 3-6 months interest and risk free for that thing that you needed and you might find that you can get it cheaper with hundreds OR even that you want to use your hard-earned money for something more practical. Your credit report will thank you as well.

Penny Pinching is Boring!
Most people today think that to be frugal one must live out of a shack and only make purchases when they are on clearance (or if it’s life or death). Well they’re only half right. Have you heard the expression “It’s the little things that count”? This holds very true when dealing with financial decisions. While large purchases definitely have great effect on ones online credit report as well as their overall situation, it is often the everyday spending habits that accumulate and hold them back from attaining wealth of any sort. What many people fail to realize is that the majority of true millionaires in America (those with net worths exceeding 1 million dollars) got rich from thinking outside the box and not following the crowd. Try thinking a little more about how you handle your money and you might find that you know more than you think you do.

Summing Up the Debt Sickness Fiasco
A decision as simple as using a debit credit card instead of a credit card shows discipline. Report that paying with cash instead of credit shows that you have properly budgeted your money and it just feels better to own something the day you walk away with it. Your credit report will also reflect these positive actions. Since the average consumer has little control over their own spending habits, the credit report picks up the slack and in turn there are more negative items to show for it. Even statistics show that using cash when making purchases will greatly reduce spending thus causing you to think harder as a consumer before swiping that credit card. Get off to a good start by seeing what is on your online credit report. By removing negative items from your online credit report you can improve your credit rating.

Travel Nurse Employment: Tax Advantages of Per Diem Deductions

When you are a travel nurse, then you need to have a pretty good understanding of per diem rates and how they might lower your taxes. Many travel nurses believe that per diem is only a tax benefit that staffing agencies offer and yet, surprisingly, others do not. This misunderstanding about what per diem is and how it may affect your taxes is an important financial issue that you need to understand. How you report your per diem earnings could mean the difference in thousands of dollars in tax savings.

Weather you are looking to maximize deductions, reduce taxes, or increase your returns, travel nurses should take the time to learn as much as possible about the IRS per diem tax rules. Certainly, one way to learn is to go to the IRS home page, download publication 1542 and read the rules so that you have a working idea of what to expect by tax time next year. Another great resource, especially, now a days is to do your taxes yourself, if you have a personal computer or laptop. Turbo Tax is a great software program. Not only is it inexpensive and tax deductible itself, but it is very easy to work when you use the step-by-step wizard. You can walk through your entire tax return, and file it electronically. You can get your refund deposited directly into your checking account in a matter of days.

A couple of travel expenses to have a heads up about include:

  • The travel nurse has a permanent tax home
  • The travel nurse takes a temporary (less than 12 months) assignment away
    from their tax home

Any travel nurse meeting the requirements outlined by the IRS can claim deductions for certain travel expenses or receive tax free reimbursements and tax free per diem allowance payments. These tax benefits are one of the great perks of being a travel nurse.

Unfortunately, one of the most common tax mistakes that a travel nurse makes is not being educated or even aware of the tax advantages to per diem deductions. Now that you are are aware that savvy travel nurses are eligible for per diem deductions for every day that they are on temporary assignment away from their tax home, pass on the work to your co-workers, or email them this article so that they can bookmark this overview and take advantage of these tax benefits themselves.

It is important to be aware that some companies don’t pay per diem allowance, pay too little per diem, or only pay per diem as a function of hourly pay. You can learn what these scenarios mean for you personal tax situation by consulting with a tax advisor or researching the IRS rules. You deserve to to get every dollar of per diem related deductions that you are entitled to, and we hope that this article has help you.

Note: while much care has been taken to make this article accurate, tax rules do change. Please be sure that you are up-to-date on the latest IRS rules. This article is meant for informational purposes only and is not meant to replace the advice of a skilled tax advisor.

What Makes a Winning Brochure?

Say two women are walking down the street and suddenly they see Tom Cruise and Katie Holmes walking towards them. Chances are good that the two women would likely look at the couple longer than they would look at any other person in the area not just because they are famous but also because they are attractive.

It is normal for a person to look at and focus his or her attention to attractive things. It is easier for the eye to look at things that are pleasant and eye-catching. This is why attractive females, gorgeous couples and striking personalities get the limelight faster than other people. In the business industry, the same idea is true. The more attractive and striking your promotional materials are, the more customers you attract. Thus, as much as possible it is essential for business owners to create marketing materials that conveys services and provides over-all impression of products and services and its benefits efficiently and appealingly.

Lets say you need to print brochures for your business. You have to take into consideration the design, content and graphics that you will use. Likewise, you have to consider the typeface and colors that you will utilize. But what really makes a successful brochure? Essentially, it should be well written, visually appealing, and effective in sending out your message and thoroughly designed to meet your prospects need and at the same time it is within your budget.

When designing the brochure, make sure that it appeals to the two types of customers those who like to read and scrutinize and those that prefer to look at photos, images and illustrations. The analytic and creative type, in other words. Be careful also with your choice of colors. Make sure that the colors send off the right feeling you wish to convey. Hence, when you are able to keep the balance between the information and the illustrations, you can reach a greater number of customers. Likewise, a well written and designed brochure interests a reader to read all the way through. When the headline and sentences are crisp and clear, a reader will immediately understand why he needs to spend a few minutes looking through the brochure.

And after having been able to produce a winning brochure, it is time to get it out to the public. Share it to anyone you come across with whether it is through a seminar, meeting or tradeshow. Keep some in your office so that your current customers can take one and share it with their friends and relatives. So dont underestimate the marketing ability of brochures. They are intended to inform and so far, they have been effective in doing so.

Designing Custom Binders

Binders are an office staple. Custom binders offer an alternative to the bland styles of basic binders. They also offer a way to add an extra kick to any marketing plan. A custom binder gives a sense of pride and professionalism to any plain binder and add a kick to a presentation. The advanatges of binders are only amplified by cutsomizing them.

Binders can be bought in bulk them customized to fit any situation. That way binders are bought cheap and the customizing is only done to the binders that need it. One set of binders can serve many purposes when used in this manner, from office needs to a special client presentation. No wasted money and a variety in choices of customization.

Custom binders are just one detail that can really shine in a clients eyes. Custom binders show time was spent preparing the information and that thoguht was given to the overall presetnation. They also show the client that they were considered important and deserved a special presentation style. Custom folders make the first impression on a client a good one.

Customizing a binder is not all about adding logos or designs either. Customizing a binder can include all aspects from the cover to the riungs. The covers can be thin polyethylene or more complex vinyl. Vinyl covers offer much flexibility. They are made from cardboard that is covered in a strong, durable vinyl. Pockets and business card slots can be added to vinyl binders. Polyethylebe binders are less expensive and can still have logos or words printed on them. Custom binders can be a variety of sizes with different ring styles, as well. The size of the binder and rings largely depend upon what is to be put in the binder. The styles of rings also are dictated by the use of the binder. For a binder that needs to be easily accessible and allow for a person to flip through the pages easy, the typical O ring would work best. On the other hand binders that are to hold important documents would be best suited with square rings as they do not curve the paper inside.

Custom binders are a great way for a buisness to make a good impression. They put forth a sense of class and reflect well upon the business. The many ways to customize a binder allow for them to be suited exactly to the needs of the business.