Tax Preparer Quotes

Ask yourselves, young people, about the love of Christ. Acknowledge His voice resounding in the temple of your heart. Return His bright and penetrating glance which opens the paths of your life to the horizons of the Church’s mission. It is a taxing mission, today more than ever, to teach men the truth about themselves, about their end, their destiny, and to show faithful souls the unspeakable riches of the love of Christ. Do not be afraid of the radicalness of His demands, because Jesus, who loved us first, is prepared to give Himself to you, as well as asking of you. If He asks much of you, it is because He knows you can give much.

Indeed, ask every man separately whether he thinks it laudable and worthy of a man of this age to hold a position from which he receives a salary disproportionate to his work; to take from the people--often in poverty--taxes to be spent on constructing cannon, torpedoes, and other instruments of butchery, so as to make war on people with whom we wish to be at peace, and who feel the same wish in regard to us; or to receive a salary for devoting one's whole life to constructing these instruments of butchery, or to preparing oneself and others for the work of murder.

One way of coping with my anxiety has been to imagine it as a tax. In order to do the things I want to do, in order to go about my life, or to get anything done, I just need to pay the anxiety tax first. The tension and soreness I feel in my shoulders that never goes away; the hour of preparation it takes for me to talk myself into leaving the house; the constant fear that I will say the wrongest thing or write the wrongest thing or do the wrongest thing without ever knowing it—these are all part of the tax.

U.S. citizens employ 1.2 million tax preparers, more than all the police and firefighters in the country combined.

I told him about my unsuccessful job hunting. He said it was all part of the pattern of economics - economic injustice. 'You take a young white boy. He can go though school and college with a real incentive. He knows he can make good money in any profession when he gets out. But can a Negro - in the South? No, I've seen many make brilliant grades in college. And yet when they come home in the summers to earn a little money, they have to do the most menial work. And even when they graduate it's a long hard pull. Most take postal jobs, or preaching or teaching jobs. This is the cream. What about the others , Mr. Griffin? A man knows no matter how hard he works , he's never going to quite manage...taxes and prices eat up more than he can earn. He can't see how he'll ever have a wife and children. The economic structure just doesn't permit it unless he's prepared to live down in poverty and have his wife work too. That's part of it. Our people aren't educated because they can't afford it or else they know education won't earn them the jobs it would a white men.

In the time I spend lollygagging over my whites and colors, Anna will drywall her attic, prepare her taxes, make her own fresh pasta, and start up a clothing exchange on the Internet.

To understand the workings of American politics, you have to understand this fundamental law: Conservatives think liberals are stupid. Liberals think conservatives are evil. For the first side of this equation, I need no sources. As a conservative, I can confidently attest that whatever else my colleagues might disagree about—Bosnia, John McCain, precisely how many orphans we’re prepared to throw into the snow so the rich can have their tax cuts—we all agree that liberals are stupid. We mean this, of course, in the nicest way. Liberals tend to be nice, and they believe—here is where they go stupid—that most everybody else is nice too. Deep down, that is. Sure, you’ve got your multiple felon and your occasional war criminal, but they’re undoubtedly depraved ’cause they’re deprived. If only we could get social conditions right—eliminate poverty, teach anger management, restore the ozone, arrest John Ashcroft—everyone would be holding hands smiley-faced, rocking back and forth to “We Shall Overcome.” Liberals believe that human nature is fundamentally good. The fact that this is contradicted by, oh, 4,000 years of human history simply tells them how urgent is the need for their next seven-point program for the social reform of everything.

To sum up then, if you wish to be rich, you must grow a carapace. A mental armor. Not so thick as to blind you to well-constructed criticism and advice, especially from those you trust. Nor so thick as to cut you off from friends and family. But thick enough to shrug off the inevitable sniggering and malicious mockery that will follow your inevitable failures, not to mention the poorly hidden envy that will accompany your eventual success. Few things in life are certain except death and being taxed. But sniggering and mockery prior to any attempt to better yourself financially, followed by envy later, or gloating during your initial failures—these are three certainties in life. It hurts. It’s mindless. And it doesn’t mean anything. But it will happen. Be prepared to shrug it off. The Germans have a superb word

Ugh. Would that Christmas could just be, without presents. It is just so stupid, everyone exhausting themselves, miserably haemorrhaging money on pointless items nobody wants: no longer tokens of love but angst-ridden solutions to problems. [...] What is the point of entire nation rushing round for six weeks in a bad mood preparing for utterly pointless Taste-of-Others exam which entire nation then fails and gets stuck with hideous unwanted merchandise as fallout? If gifts and cards were completely eradicated, then Christmas as pagan-style twinkly festival to distract from lengthy winter gloom would be lovely. But if government, religious bodies, parents, tradition, etc. insist on Christmas Gift Tax to ruin everything why not make it that everyone must go out and spend £500 on themselves then distribute the items among their relatives and friends to wrap up and give to them instead of this psychic-failure torment?

Underlying all this activity—in the customhouses, on the wharves, in every place of business—were numbers. Merchants measured out their wares and negotiated prices; customs officers calculated taxes to be levied on imports; scribes and stewards prepared ships’ manifests, recording the values in long columns using Roman numerals. They would have put their writing implements to one side and used either their fingers or a physical abacus to perform the additions, then picked up pen and parchment once again to enter the subtotals from each page on a final page at the end. With no record of the computation itself, if anyone questioned the answer, the entire process would have to be repeated.

God often uses failure to make us useful. When Jesus called the disciples, He did not go out and find the most qualified and successful people. He found the most willing, and He found them in the workplace. He found a fisherman, a tax collector, and a farmer. The Hebrews knew that failure was a part of maturing in God. The Greeks used failure as a reason for disqualification. Sadly, in the Church, we often treat one another in this way. This is not God's way. We need to understand that failing does not make us failures. It makes us experienced. It makes us more prepared to be useful in God's Kingdom -- if we have learned from it. And that is the most important ingredient for what God wants in His children.

The Sun King had dinner each night alone. He chose from forty dishes, served on gold and silver plate. It took a staggering 498 people to prepare each meal. He was rich because he consumed the work of other people, mainly in the form of their services. He was rich because other people did things for him. At that time, the average French family would have prepared and consumed its own meals as well as paid tax to support his servants in the palace. So it is not hard to conclude that Louis XIV was rich because others were poor. But what about today? Consider that you are an average person, say a woman of 35, living in, for the sake of argument, Paris and earning the median wage, with a working husband and two children. You are far from poor, but in relative terms, you are immeasurably poorer than Louis was. Where he was the richest of the rich in the world’s richest city, you have no servants, no palace, no carriage, no kingdom. As you toil home from work on the crowded Metro, stopping at the shop on the way to buy a ready meal for four, you might be thinking that Louis XIV’s dining arrangements were way beyond your reach. And yet consider this. The cornucopia that greets you as you enter the supermarket dwarfs anything that Louis XIV ever experienced (and it is probably less likely to contain salmonella). You can buy a fresh, frozen, tinned, smoked or pre-prepared meal made with beef, chicken, pork, lamb, fish, prawns, scallops, eggs, potatoes, beans, carrots, cabbage, aubergine, kumquats, celeriac, okra, seven kinds of lettuce, cooked in olive, walnut, sunflower or peanut oil and flavoured with cilantro, turmeric, basil or rosemary … You may have no chefs, but you can decide on a whim to choose between scores of nearby bistros, or Italian, Chinese, Japanese or Indian restaurants, in each of which a team of skilled chefs is waiting to serve your family at less than an hour’s notice. Think of this: never before this generation has the average person been able to afford to have somebody else prepare his meals. You employ no tailor, but you can browse the internet and instantly order from an almost infinite range of excellent, affordable clothes of cotton, silk, linen, wool and nylon made up for you in factories all over Asia. You have no carriage, but you can buy a ticket which will summon the services of a skilled pilot of a budget airline to fly you to one of hundreds of destinations that Louis never dreamed of seeing. You have no woodcutters to bring you logs for the fire, but the operators of gas rigs in Russia are clamouring to bring you clean central heating. You have no wick-trimming footman, but your light switch gives you the instant and brilliant produce of hardworking people at a grid of distant nuclear power stations. You have no runner to send messages, but even now a repairman is climbing a mobile-phone mast somewhere in the world to make sure it is working properly just in case you need to call that cell. You have no private apothecary, but your local pharmacy supplies you with the handiwork of many thousands of chemists, engineers and logistics experts. You have no government ministers, but diligent reporters are even now standing ready to tell you about a film star’s divorce if you will only switch to their channel or log on to their blogs. My point is that you have far, far more than 498 servants at your immediate beck and call. Of course, unlike the Sun King’s servants, these people work for many other people too, but from your perspective what is the difference? That is the magic that exchange and specialisation have wrought for the human species.

Governments could recognize the huge value added if the two biological parents choose to live together with the child: a tax-credit bonus could reduce the tax burden for those who are taxpayers, and income could be supplemented by an equivalent amount for those who are not. The commitment of young parents to their children benefits us all, and we should be prepared to pay for it. When parents withhold this commitment, the rest of us pay for it – heavily.

We have not thoroughly assessed the bodies snatched from dirt and sand to be chained in a cell. We have not reckoned with the horrendous, violent mass kidnapping that we call the Middle Passage. We have not been honest about all of America's complicity - about the wealth the South earned on the backs of the enslaved, or the wealth the North gained through the production of enslaved hands. We have not fully understood the status symbol that owning bodies offered. We have not confronted the humanity, the emotions, the heartbeats of the multiple generations who were born into slavery and died in it, who never tasted freedom on America's land. The same goes for the Civil War. We have refused to honestly confront the fact that so many were willing to die in order to hold the freedom of others in their hands. We have refused to acknowledge slavery's role at all, preferring to boil things down to the far more palatable "state's rights." We have not confessed that the end of slavery was so bitterly resented, the rise of Jim Crow became inevitable - and with it, a belief in Black inferiority that lives on in hearts and minds today. We have painted the hundred-year history of Jim Crow as little more than mean signage and the inconvenience that white people and Black people could not drink from the same fountain. But those signs weren't just "mean". They were perpetual reminders of the swift humiliation and brutal violence that could be suffered at any moment in the presence of whiteness. Jim Crow meant paying taxes for services one could not fully enjoy; working for meager wages; and owning nothing that couldn't be snatched away. For many black families, it meant never building wealth and never having legal recourse for injustice. The mob violence, the burned-down homes, the bombed churches and businesses, the Black bodies that were lynched every couple of days - Jim Crow was walking through life measuring every step. Even our celebrations of the Civil Rights Movement are sanitized, its victories accentuated while the battles are whitewashed. We have not come to grips with the spitting and shouting, the pulling and tugging, the clubs, dogs, bombs, and guns, the passion and vitriol with which the rights of Black Americans were fought against. We have not acknowledged the bloodshed that often preceded victory. We would rather focus on the beautiful words of Martin Luther King Jr. than on the terror he and protesters endured at marches, boycotts, and from behind jail doors. We don't want to acknowledge that for decades, whiteness fought against every civil right Black Americans sought - from sitting at lunch counters and in integrated classrooms to the right to vote and have a say in how our country was run. We like to pretend that all those white faces who carried protest signs and batons, who turned on their sprinklers and their fire hoses, who wrote against the demonstrations and preached against the changes, just disappeared. We like to pretend that they were won over, transformed, the moment King proclaimed, "I have a dream." We don't want to acknowledge that just as Black people who experienced Jim Crow are still alive, so are the white people who vehemently protected it - who drew red lines around Black neighborhoods and divested them of support given to average white citizens. We ignore that white people still avoid Black neighborhoods, still don't want their kids going to predominantly Black schools, still don't want to destroy segregation. The moment Black Americans achieved freedom from enslavement, America could have put to death the idea of Black inferiority. But whiteness was not prepared to sober up from the drunkenness of power over another people group. Whiteness was not ready to give up the ability to control, humiliate, or do violence to any Black body in the vicinity - all without consequence.

This is an art I can enjoy. There is a kind of sorcery in all cooking; in the choosing of ingredients, the process of mixing, grating, melting, infusing, and flavoring, the recipes taken from ancient books, the traditional utensils- the pestle and mortar with which my mother made her incense turned to a more homely purpose, her spices and aromatics giving up their subtleties to a baser, more sensual magic. And it is partly the transience of it delights me; so much loving preparation, so much art and experience, put into a pleasure that can last only a moment, and which only a few will ever fully appreciate. My mother always viewed my interest with indulgent contempt. To her, food was no pleasure but a tiresome necessity to be worried over, a tax on the price of our freedom. I stole menus from restaurants and looked longingly into patisserie windows. I must have been ten years old- maybe older- before I first tasted real chocolate. But still the fascination endured. I carried recipes in my head like maps. All kinds of recipes: torn from abandoned magazines in busy railway stations, wheedled from people on the road, strange marriages of my own confection. Mother with her cards, her divinations, directed our mad course across Europe. Cookery cards anchored us, placed landmarks on the bleak borders. Paris smells of baking bread and croissants; Marseille of bouillabaisse and grilled garlic. Berlin was Eisbrei with sauerkraut and Kartoffelsalat, Rome was the ice cream I ate without paying in a tiny restaurant beside the river.

What is stealing?When is it excusable? When is it a crime?' Thomas looked uncomfortable as he read. Christian perked up. Belle saw Christian listening with interest and looked down at her shoes. 'An action becomes stealing when one of two conditions are met. First, when there is harm to the victim. Second, when the act is done for personal gain.' Thomas looked up and smiled. He seemed happy with where the speech was going, and Belle breathed a sigh of relief. Christian's face had gone white. He stood frozen in his spot. Belle smiled as if to say that things were different with him. That stealing was different in their world. She was torn between excitement for Thomas and embarasment for Christian. 'If both these criteria are met, there is no question where society stands. When of two criteria is in question, society begins to debate. For example, is it wrong when someone takes something that has been thrown away? Perhaps not, since there is no detriment to the victim. Is it wrong when someone takes a loaf of bread to feed a starving baby or taxes the rich to help the poor? Perhaps not, since the motive is unselfish.' Victoria wasn't even looking at Thomas anymore. She was glaring at Belle. She looked like she was about to lunge at her. Belle signaled to her that perhaps she should take notes. But Victoria wasn't used to preparing rebuttals without advanced notice. 'When neither of the criteria is met, however, I propose that there is no crime against ethics. Is it wrong to take a syringe from a drug addict? Of course not.

Athletes, by and large, are people who are happy to let their actions speak for them, happy to be what they do. As a result, when you talk to an athlete, as I do all the time in locker rooms, in hotel coffee shops and hallways, standing beside expensive automobiles—even if he’s paying no attention to you at all, which is very often the case—he’s never likely to feel the least bit divided, or alienated, or one ounce of existential dread. He may be thinking about a case of beer, or a barbecue, or some man-made lake in Oklahoma he wishes he was waterskiing on, or some girl or a new Chevy shortbed, or a discothèque he owns as a tax shelter, or just simply himself. But you can bet he isn’t worried one bit about you and what you’re thinking. His is a rare selfishness that means he isn’t looking around the sides of his emotions to wonder about alternatives for what he’s saying or thinking about. In fact, athletes at the height of their powers make literalness into a mystery all its own simply by becoming absorbed in what they’re doing. Years of athletic training teach this; the necessity of relinquishing doubt and ambiguity and self-inquiry in favor of a pleasant, self-championing one-dimensionality which has instant rewards in sports. You can even ruin everything with athletes simply by speaking to them in your own everyday voice, a voice possibly full of contingency and speculation. It will scare them to death by demonstrating that the world—where they often don’t do too well and sometimes fall into depressions and financial imbroglios and worse once their careers are over—is complexer than what their training has prepared them for. As a result, they much prefer their own voices and questions or the jabber of their teammates (even if it’s in Spanish). And if you are a sportswriter you have to tailor yourself to their voices and answers: “How are you going to beat this team, Stu?” Truth, of course, can still be the result—“We’re just going out and play our kind of game, Frank, since that’s what’s got us this far”—but it will be their simpler truth, not your complex one—unless, of course, you agree with them, which I often do. (Athletes, of course, are not always the dummies they’re sometimes portrayed as being, and will often talk intelligently about whatever interests them until your ears turn to cement.)

He said, One of the Fathers has told us that joy always depends on pain. Pain is part of joy. We are hungry and then think how we enjoy our food at last. We are thirsty...He stopped suddenly, with his eyes glancing away into the shadows, expecting the cruel laugh that did not come. He said, We deny ourselves so that we can enjoy. You have heard of rich men in the north who eat salted foods, so that they can be thirsty—for what they call the cocktail. Before the marriage, too, there is the long betrothal... Again he stopped. He felt his own unworthiness like a weight at the back of the tongue. There was a smell of hot wax from where a candle drooped in the nocturnal heat; people shifted on the hard floor in the shadows. The smell of unwashed human beings warred with the wax. He cried out stubbornly in a voice of authority, That is why I tell you that heaven is here: this is a part of heaven just as pain is a part of pleasure. He said, Pray that you will suffer more and more and more. Never get tired of suffering. The police watching you, the soldiers gathering taxes, the beating you always get from the jefe because you are too poor to pay, smallpox and fever, hunger...that is all part of heaven—the preparation. Perhaps without them, who can tell, you wouldn't enjoy heaven so much. Heaven would not be complete. And heaven. What is heaven? Literary phrases form what seemed now to be another life altogether—the strict quiet life of the seminary—became confused on his tongue: the names of precious stones: Jerusalem the Golden. But these people had never seen gold.

The remedy is to terminate them after the founding generation dies out. Older foundations like Ford should be sunset immediately and its funds distributed to hospitals and other institutions that serve the needy and the poor, recipients for whom the word “charity” was invented. As the tax law is presently designed, the Ford Foundation will exist forever and will be accountable to no one except a self-perpetuating board, which is accountable to no one. This is undemocratic and unacceptable. Republicans have ignored the problems created by this system for far too long. Unless they are prepared to get serious about fighting the war the left has declared, unless the powers of this shadow political universe are checked, the progressives’ march toward a societal transformation cannot be arrested, let alone stopped.

By trying to eliminate the sexual division of labor that was the basis for family life, feminists have not created a gender-neutral utopia, with men and women interchangeably caring for children and earning wages. Instead, they have merely placed women as well as men on the employment treadmill. By flooding the workforce with new workers, they have driven down male wages, intensifying pressures on families to send the woman into the workforce and for the man to work longer hours, giving him less involvement with his family. The result is “big business socialism,” where every adult must work and provide tax revenue for the growing state machinery. Meanwhile children are institutionalized in day care and extended school days and activities for ever-longer hours at ever-younger ages, their childhoods regimented in preparation for similar lives as worker bees and suppliers of state revenue.

If you look at the estate planning industry today, the basic strategy begins with identifying the number of heirs. Why? To divide the estate up amongst as many heirs as possible, utilizing all the gift and transfer techniques. One of the first rules of war is to “divide and conquer.” And so, if I'm dividing the assets up, I'm setting that family up for failure. Our findings show that in all too many situations, traditional planning has done more to destroy families than taxes will ever do. Traditional estate planning operates around the four D's: Divide the assets, defer those assets downstream as far as possible, then dump them on what most times are the ill-prepared heirs, and watch those ultimately dissipate. It's been said that only two percent of family wealth ever makes it past the third generation. So I think that's all you need to know about the effectiveness of traditional estate planning.

Sobakevich inclined his head slightly, preparing to hear what the little business was about. Chichikov began somehow very remotely, touched generally on the entire Russian state, and spoke in great praise of its vastness, saying that even the most ancient Roman monarchy was not so big, and foreigners are rightly astonished… Sobakevich went on listening, his head bent. And that according to the existing regulations of this state, unequaled in glory, the souls listed in the census, once their life’s path has ended, are nevertheless counted equally with the living until the new census is taken, so as not to burden the institutions with a quantity of petty and useless documents and increase the complexity of the already quite complex state machinery… Sobakevich went on listening, his head bent—and that, nevertheless, for all the justice of this measure, it was often somewhat burdensome for many owners, obliging them to pay taxes as if for the living object, and that he, feeling a personal respect for him, would even be ready to take this truly heavy responsibility partly upon himself. […] “And so…?” said Chichikov, waiting not without some anxiety for an answer. “You want dead souls?” Sobakevich asked quite simply, without the least surprise, as if they were talking about grain.

The chorus of criticism culminated in a May 27 White House press conference that had me fielding tough questions on the oil spill for about an hour. I methodically listed everything we'd done since the Deepwater had exploded, and I described the technical intricacies of the various strategies being employed to cap the well. I acknowledged problems with MMS, as well as my own excessive confidence in the ability of companies like BP to safeguard against risk. I announced the formation of a national commission to review the disaster and figure out how such accidents could be prevented in the future, and I reemphasized the need for a long-term response that would make America less reliant on dirty fossil fuels. Reading the transcript now, a decade later, I'm struck by how calm and cogent I sound. Maybe I'm surprised because the transcript doesn't register what I remember feeling at the time or come close to capturing what I really wanted to say before the assembled White House press corps: That MMS wasn't fully equipped to do its job, in large part because for the past thirty years a big chunk of American voters had bought into the Republican idea that government was the problem and that business always knew better, and had elected leaders who made it their mission to gut environmental regulations, starve agency budgets, denigrate civil servants, and allow industrial polluters do whatever the hell they wanted to do. That the government didn't have better technology than BP did to quickly plug the hole because it would be expensive to have such technology on hand, and we Americans didn't like paying higher taxes - especially when it was to prepare for problems that hadn't happened yet. That it was hard to take seriously any criticism from a character like Bobby Jindal, who'd done Big Oil's bidding throughout his career and would go on to support an oil industry lawsuit trying to get a federal court to lift our temporary drilling moratorium; and that if he and other Gulf-elected officials were truly concerned about the well-being of their constituents, they'd be urging their party to stop denying the effects of climate change, since it was precisely the people of the Gulf who were the most likely to lose homes or jobs as a result of rising global temperatures. And that the only way to truly guarantee that we didn't have another catastrophic oil spill in the future was to stop drilling entirely; but that wasn't going to happen because at the end of the day we Americans loved our cheap gas and big cars more than we cared about the environment, except when a complete disaster was staring us in the face; and in the absence of such a disaster, the media rarely covered efforts to shift America off fossil fuels or pass climate legislation, since actually educating the public on long-term energy policy would be boring and bad for ratings; and the one thing I could be certain of was that for all the outrage being expressed at the moment about wetlands and sea turtles and pelicans, what the majority of us were really interested in was having the problem go away, for me to clean up yet one more mess decades in the making with some quick and easy fix, so that we could all go back to our carbon-spewing, energy-wasting ways without having to feel guilty about it. I didn't say any of that. Instead I somberly took responsibility and said it was my job to "get this fixed." Afterward, I scolded my press team, suggesting that if they'd done better work telling the story of everything we were doing to clean up the spill, I wouldn't have had to tap-dance for an hour while getting the crap kicked out of me. My press folks looked wounded. Sitting alone in the Treaty Room later that night, I felt bad about what I had said, knowing I'd misdirected my anger and frustration. It was those damned plumes of oil that I really wanted to curse out.

Reading the transcript now, a decade later, I’m struck by how calm and cogent I sound. Maybe I’m surprised because the transcript doesn’t register what I remember feeling at the time or come close to capturing what I really wanted to say before the assembled White House press corps: That MMS wasn’t fully equipped to do its job, in large part because for the past thirty years a big chunk of American voters had bought into the Republican idea that government was the problem and that business always knew better, and had elected leaders who made it their mission to gut environmental regulations, starve agency budgets, denigrate civil servants, and allow industrial polluters do whatever the hell they wanted to do. That the government didn’t have better technology than BP did to quickly plug the hole because it would be expensive to have such technology on hand, and we Americans didn’t like paying higher taxes—especially when it was to prepare for problems that hadn’t happened yet. That it was hard to take seriously any criticism from a character like Bobby Jindal, who’d done Big Oil’s bidding throughout his career and would go on to support an oil industry lawsuit trying to get a federal court to lift our temporary drilling moratorium; and that if he and other Gulf-elected officials were truly concerned about the well-being of their constituents, they’d be urging their party to stop denying the effects of climate change, since it was precisely the people of the Gulf who were the most likely to lose homes or jobs as a result of rising global temperatures. And that the only way to truly guarantee that we didn’t have another catastrophic oil spill in the future was to stop drilling entirely; but that wasn’t going to happen because at the end of the day we Americans loved our cheap gas and big cars more than we cared about the environment, except when a complete disaster was staring us in the face; and in the absence of such a disaster,

The traditional reluctance in this country to confront the real nature of racism is once again illustrated by the manner in which the majority of American whites interpreted what the Kerner Commission had to say about white racism. It seems that they have taken the Kerner Report as a call merely to examine their individual attitudes. The examination of individual attitudes is, of course, an indispensable requirement if the influence of racism is to be neutralized, but it is neither the only nor the basic requirement. The Kerner Report took great pains to make a distinction between racist attitudes and racist behavior. In doing so, it was trying to point out that the fundamental problem lies in the racist behavior of American institutions toward Negroes, and that the behavior of these institutions is influenced more by overt racist actions of people than by their private attitudes. If so, then the basic requirement is for white Americans, while not ignoring the necessity for a revision of their private beliefs, to concentrate on actions that can lead to the ultimate democratization of American institutions. By focusing upon private attitudes alone, white Americans may come to rely on token individual gestures as a way of absolving themselves personally of racism, while ignoring the work that needs to be done within public institutions to eradicate social and economic problems and redistribute wealth and opportunity. I mean by this that there are many whites sitting around in drawing rooms and board rooms discussing their consciences and even donating a few dollars to honor the memory of Dr. King. But they are not prepared to fight politically for the kind of liberal Congress the country needs to eradicate some of the evils of racism, or for the massive programs needed for the social and economic reconstruction of the black and white poor, or for a revision of the tax structure whereby the real burden will be lifted from the shoulders of those who don't have it and placed on the shoulders of those who can afford it. Our time offers enough evidence to show that racism and intolerance are not unique American phenomena. The relationship between the upper and lower classes in India is in some ways more brutal than the operation of racism in America. And in Nigeria black tribes have recently been killing other black tribes in behalf of social and political privilege. But it is the nature of the society which determines whether such conflicts will last, whether racism and intolerance will remain as proper issues to be socially and politically organized. If the society is a just society, if it is one which places a premium on social justice and human rights, then racism and intolerance cannot survive —will, at least, be reduced to a minimum. While working with the NAACP some years ago to integrate the University of Texas, I was assailed with a battery of arguments as to why Negroes should not be let in. They would be raping white girls as soon as they came in; they were dirty and did not wash; they were dumb and could not learn; they were uncouth and ate with their fingers. These attitudes were not destroyed because the NAACP psychoanalyzed white students or held seminars to teach them about black people. They were destroyed because Thurgood Marshall got the Supreme Court to rule against and destroy the institution of segregated education. At that point, the private views of white students became irrelevant. So while there can be no argument that progress depends both on the revision of private attitudes and a change in institutions, the onus must be placed on institutional change. If the institutions of this society are altered to work for black people, to respond to their needs and legitimate aspirations, then it will ultimately be a matter of supreme indifference to them whether white people like them, or what white people whisper about them in the privacy of their drawing rooms.

The Sun King had dinner each night alone. He chose from forty dishes, served on gold and silver plate. It took a staggering 498 people to prepare each meal. He was rich because he consumed the work of other people, mainly in the form of their services. He was rich because other people did things for him. At that time, the average French family would have prepared and consumed its own meals as well as paid tax to support his servants in the palace. So it is not hard to conclude that Louis XIV was rich because others were poor. But what about today? Consider that you are an average person, say a woman of 35, living in, for the sake of argument, Paris and earning the median wage, with a working husband and two children. You are far from poor, but in relative terms, you are immeasurably poorer than Louis was. Where he was the richest of the rich in the world’s richest city, you have no servants, no palace, no carriage, no kingdom. As you toil home from work on the crowded Metro, stopping at the shop on the way to buy a ready meal for four, you might be thinking that Louis XIV’s dining arrangements were way beyond your reach. And yet consider this. The cornucopia that greets you as you enter the supermarket dwarfs anything that Louis XIV ever experienced (and it is probably less likely to contain salmonella). You can buy a fresh, frozen, tinned, smoked or pre-prepared meal made with beef, chicken, pork, lamb, fish, prawns, scallops, eggs, potatoes, beans, carrots, cabbage, aubergine, kumquats, celeriac, okra, seven kinds of lettuce, cooked in olive, walnut, sunflower or peanut oil and flavoured with cilantro, turmeric, basil or rosemary ... You may have no chefs, but you can decide on a whim to choose between scores of nearby bistros, or Italian, Chinese, Japanese or Indian restaurants, in each of which a team of skilled chefs is waiting to serve your family at less than an hour’s notice. Think of this: never before this generation has the average person been able to afford to have somebody else prepare his meals. You employ no tailor, but you can browse the internet and instantly order from an almost infinite range of excellent, affordable clothes of cotton, silk, linen, wool and nylon made up for you in factories all over Asia. You have no carriage, but you can buy a ticket which will summon the services of a skilled pilot of a budget airline to fly you to one of hundreds of destinations that Louis never dreamed of seeing. You have no woodcutters to bring you logs for the fire, but the operators of gas rigs in Russia are clamouring to bring you clean central heating. You have no wick-trimming footman, but your light switch gives you the instant and brilliant produce of hardworking people at a grid of distant nuclear power stations. You have no runner to send messages, but even now a repairman is climbing a mobile-phone mast somewhere in the world to make sure it is working properly just in case you need to call that cell. You have no private apothecary, but your local pharmacy supplies you with the handiwork of many thousands of chemists, engineers and logistics experts. You have no government ministers, but diligent reporters are even now standing ready to tell you about a film star’s divorce if you will only switch to their channel or log on to their blogs. My point is that you have far, far more than 498 servants at your immediate beck and call. Of course, unlike the Sun King’s servants, these people work for many other people too, but from your perspective what is the difference? That is the magic that exchange and specialisation have wrought for the human species.

I was witness to events of a less peaceful character. One day when I went out to my wood-pile, or rather my pile of stumps, I observed two large ants, the one red, the other much larger, nearly half an inch long, and black, fiercely contending with one another. Having once got hold they never let go, but struggled and wrestled and rolled on the chips incessantly. Looking farther, I was surprised to find that the chips were covered with such combatants, that it was not a duellum, but a bellum, a war between two races of ants, the red always pitted against the black, and frequently two red ones to one black. The legions of these Myrmidons covered all the hills and vales in my wood-yard, and the ground was already strewn with the dead and dying, both red and black. It was the only battle which I have ever witnessed, the only battle-field I ever trod while the battle was raging; internecine war; the red republicans on the one hand, and the black imperialists on the other. On every side they were engaged in deadly combat, yet without any noise that I could hear, and human soldiers never fought so resolutely. I watched a couple that were fast locked in each other's embraces, in a little sunny valley amid the chips, now at noonday prepared to fight till the sun went down, or life went out. The smaller red champion had fastened himself like a vice to his adversary's front, and through all the tumblings on that field never for an instant ceased to gnaw at one of his feelers near the root, having already caused the other to go by the board; while the stronger black one dashed him from side to side, and, as I saw on looking nearer, had already divested him of several of his members. They fought with more pertinacity than bulldogs. Neither manifested the least disposition to retreat. It was evident that their battle-cry was "Conquer or die." In the meanwhile there came along a single red ant on the hillside of this valley, evidently full of excitement, who either had despatched his foe, or had not yet taken part in the battle; probably the latter, for he had lost none of his limbs; whose mother had charged him to return with his shield or upon it. Or perchance he was some Achilles, who had nourished his wrath apart, and had now come to avenge or rescue his Patroclus. He saw this unequal combat from afar—for the blacks were nearly twice the size of the red—he drew near with rapid pace till he stood on his guard within half an inch of the combatants; then, watching his opportunity, he sprang upon the black warrior, and commenced his operations near the root of his right fore leg, leaving the foe to select among his own members; and so there were three united for life, as if a new kind of attraction had been invented which put all other locks and cements to shame. I should not have wondered by this time to find that they had their respective musical bands stationed on some eminent chip, and playing their national airs the while, to excite the slow and cheer the dying combatants. I was myself excited somewhat even as if they had been men. The more you think of it, the less the difference. And certainly there is not the fight recorded in Concord history, at least, if in the history of America, that will bear a moment's comparison with this, whether for the numbers engaged in it, or for the patriotism and heroism displayed. For numbers and for carnage it was an Austerlitz or Dresden. Concord Fight! Two killed on the patriots' side, and Luther Blanchard wounded! Why here every ant was a Buttrick—"Fire! for God's sake fire!"—and thousands shared the fate of Davis and Hosmer. There was not one hireling there. I have no doubt that it was a principle they fought for, as much as our ancestors, and not to avoid a three-penny tax on their tea; and the results of this battle will be as important and memorable to those whom it concerns as those of the battle of Bunker Hill, at least.

A good rule of thumb is to never, ever pay more than 15 years fair rental value for any residence.c This computes out to a 6.7 percent (1/15th) gross rental dividend, or 3.7 percent after taxes, insurance, and maintenance, which is about what you might expect from a mixed portfolio of stocks and bonds.

Specifically, they argue that digital technology drives inequality in three different ways. First, by replacing old jobs with ones requiring more skills, technology has rewarded the educated: since the mid-1970s, salaries rose about 25% for those with graduate degrees while the average high school dropout took a 30% pay cut.45 Second, they claim that since the year 2000, an ever-larger share of corporate income has gone to those who own the companies as opposed to those who work there—and that as long as automation continues, we should expect those who own the machines to take a growing fraction of the pie. This edge of capital over labor may be particularly important for the growing digital economy, which tech visionary Nicholas Negroponte defines as moving bits, not atoms. Now that everything from books to movies and tax preparation tools has gone digital, additional copies can be sold worldwide at essentially zero cost, without hiring additional employees. This allows most of the revenue to go to investors rather than workers, and helps explain why, even though the combined revenues of Detroit’s “Big 3” (GM, Ford and Chrysler) in 1990 were almost identical to those of Silicon Valley’s “Big 3” (Google, Apple, Facebook) in 2014, the latter had nine times fewer employees and were worth thirty times more on the stock market.47 Figure 3.5: How the economy has grown average income over the past century, and what fraction of this income has gone to different groups. Before the 1970s, rich and poor are seen to all be getting better off in lockstep, after which most of the gains have gone to the top 1% while the bottom 90% have on average gained close to nothing.46 The amounts have been inflation-corrected to year-2017 dollars. Third, Erik and collaborators argue that the digital economy often benefits superstars over everyone else.

RINO, Republican in Name Only. I’m a Reagan Republican, a proponent of lower taxes, less government, free markets, free trade, defense readiness, and democratic internationalism. I also believe government should respond to our biggest problems and prepare for our biggest future challenges, be as transparent as possible and as efficient as possible.

It costs more to transact abroad, and many foreign governments tax stock dividends; although you can recover this cost in a taxable account through the foreign tax credit on your U.S. tax return, you cannot do so in a retirement account.

Business Owner Planning Business owners have additional and complex Retirement Planning needs. Counting only on the sale of your business requires tremendous luck and success. If business owners consider the business as simply one asset among many, then they should seriously consider additional assets such as: -Executive Bonus Arrangements -Nonqualified deferred compensation plans -Qualified retirement plans -General investment portfolio Motto for Business Owner Planning As I look back on thirteen years of entrepreneurship, I can see that the best and smartest thing to do is to have a plan with the end in mind and you in mind. The time still goes by and time is expensive. That sentence is really a whole book and you should or will understand sooner than later, hopefully. That would have looked like business succession planning. Proper business succession planning requires sound preparation in order to have a smooth and equitable transition. Financial, tax and legal planning are all necessary for a success.

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

Good night, Mr. Bronson.” She rose to her feet, and Bronson followed immediately. “There's no need to leave,” he coaxed. “I'll behave from now on. I promise.” “It's late,” Holly said firmly, retreating to the door. “Again, sir, good night—” Somehow he reached the threshold before she did, without any appearance of haste. His large hand pressed lightly on the door, closing it with a quiet click. “Stay,” he murmured, “and I'll open a bottle of that Rhenish wine you liked so much the other evening.” Frowning, Holly turned to face him. She was prepared to point out that a gentleman did not argue with a lady when she wished to leave, nor would it be proper for them to remain in the room with the door closed. But as she stared into his dark, teasing eyes, she found herself relenting. “If I stay, we'll find some proper subject to discuss,” she said warily. “Anything you like,” came his prompt reply. “Taxes. Social concerns. The weather.” She wanted to smile as she saw his deliberately bland expression. He looked like a wolf trying to pretend he was a sheep. “All right, then,” she said, and returned to the settee.

She knew that after a person’s anxiety doorway was opened, that it was impossible to fully close again. The taxing condition could rear its ugly head at any time, and Jackie wanted to be prepared.

The “Tax Complexity Lobby,” as Forbes magazine called it, includes tax-preparation firms like H&R Block and Jackson Hewitt, as well as companies that make tax-preparation software

Setting Up Your Body, Mind, and Environment Preparing your body, mind, and space is a critical step on your channeling path. Preparation in each of these areas will support your clear channeling. Channeling in a chaotic place with a toxic body and cluttered mind makes channeling more challenging because the instrument you are using is taxed or strained. Empowering Your Body Empowering your body includes being aware of what you put into your body and how you move it. I invite you to become aware of your body’s milieu if you are not already. What do you eat and drink? What products do you put on your body? Is your body tolerating electronic device exposure, such as from the amount of time you use your phone and computer? Are these empowering your body to function optimally? Use your intuition to be impeccable with what you put into your body. Apply the discerning method I described in chapter 9 to learn about each of these things. For example, ask your body what it needs to nourish it most appropriately before eating or drinking. Expect that you will get an answer. Be still and listen. What is your body telling you? You may find that the answers you receive about what your body needs change day by day and over time. Sometimes your body needs more protein. Sometimes your body needs electrolytes and minerals, which channeling can deplete. You may also notice that your body needs more water when you channel more often. Sometimes you need more nature time with movement. Sometimes you may need to be still and silent. You can do this discernment process for anything you put in or on your body and for how you move your body. It might feel strange to do this at first, but you’ll find that it becomes second nature with practice. You might notice that when you channel, you don’t feel so great the next day. You might feel tired, be sore, or have other unusual physical or mental symptoms. Feeling lousy the next day doesn’t mean that channeling hurt you. Usually, these symptoms are channeling revealing “stuff” you can clear. Channeling can act as a detoxifier. If you experience this, you can support your detoxification pathways. Rest. Drink lots of water. Take an Epsom salt bath. Take more minerals and eat nutrient-rich foods. Gentle movement, stretching, or yoga can support your body. Ask your body what it needs. All these steps to empower your body will strengthen your channeling and your life in general.

We analyzed the ten tech companies worth over a billion dollars that went public in 2014 and 2015, and the average company spent a jaw-dropping $0.72 on sales and marketing for every $1.00 of sales during the three-year hypergrowth period before going public. As a matter of fact, one of the companies, Box, spent $1.59 for every $1.00 in sales! You’re probably wondering, how does a company like Box justify spending more money on sales and marketing than they generate in sales? The answer is “customer lifetime value.” Once Box mathematically proved that they could acquire a customer for less than the lifetime value (LTV) of that customer, they raised a war chest of investment capital and didn’t care if they spent more on sales and marketing than they generated in annual sales, because they knew that they would generate a big return in the long run. You probably don’t have access to a massive war chest of investment capital, but that doesn’t mean you are unable to invest more resources on growth. Instead of benchmarking your growth investment against customer lifetime value, benchmark against your bottom-line profits. Here is a list of financial scenarios and corresponding actions: If you desire growth and have a profitable business, operate at a break-even point and reinvest the profit, or a portion of the profit, back into growth. If you are running a break-even or unprofitable business, spend some time going through your expenditures looking for redundancies or unnecessary expenses. If you cannot find any opportunities to save money, prepare yourself to take a temporary pay cut (you can time this around your tax refund or right after your busy period if your business has seasonality). If you are unable to take a temporary pay cut, prepare yourself to work some extra hours (start by batching activities so you can spend a day per week working from home, and use the time you save when not having a work commute to invest in growth). If you are unable to take a temporary pay cut AND unable to work any extra hours, then read the paragraph below.

All this conditioning is designed to prepare us for the workforce, where we will be expected to follow the same rules, conform to the same expectations, and perform tasks efficiently without questioning our purpose. Keep in mind that governments make most of their income from employee taxes, so it benefits them by producing employees who will pay taxes and become the income source for the state.

I was watching the news when I was about eight, and they were debating whether the wealthy in America contributed enough in taxes. One side argued that the rich, as a class, contributed more than ninety percent of total taxes collected. That about half of the country paid nothing in taxes, or received money in food stamps and welfare. Whereas the top earners, after all was said and done, had about half of their income confiscated by the government. “The counterargument to this was that it wasn’t fair that these high earners made so much. They could afford to give up even more of their income. And that they couldn’t have possibly made their fortunes working hard and taking risks, like Steve Jobs. They could only have done so by cheating and stealing from others, or exploiting them.” Craft paused. “So I asked my father where he came out on the debate.” “And?” “He told me to imagine I had a test in school and I studied for an entire week, night and day. My friend spent the entire week playing video games and having fun at the beach. I ended up getting an A, and my friend got an F. So what if the teacher said, ‘it’s not fair that Bren got an A and his friend got an F. So we’re going to give you both C’s. Still passing, right? So it’s no big deal. Still plenty of cushion away from an F. The A earners shouldn’t be greedy.’ “My father let me think about this and then asked me what I’d do the next time a test came around. How would I prepare for it? It occurred to me that if I knew I really couldn’t earn an A, what was the point of killing myself? I told my father, and he agreed. In fact, he told me that soon the entire class would be getting Cs, and then Ds. And eventually Fs. Socialism at work.

There are three key financial statements that are made up of 5 main elements. These elements include: 1. Assets: Assets are items of value that are owned by the company. Items that can be listed under assets include cash, equipment, real estate, etc. 2. Liabilities: These are items that decrease the net worth of the business. In other words, liabilities are what the company owes other companies, individuals, or investors. Liabilities include items such as accounts payable, long term and short term loans, etc. 3. Equities: These refer to cash or cash equivalents that are used to represent the ownership of the company. The term equity, as used in accounting, determines the value of the company and its ownership. 4. Revenues: Revenue is one component of financial statements that mainly appears on the income sheet and the cash flow statement. Revenue represents all the money that is earned by a business over a given trading period. The revenue of a business can vary from one accounting period to another. The revenue of a business determines the net income of business after expenses have subtracted. 5. Expenses: The expenses of a business are usually used in preparing the income sheet and the cash flow statement. Expenses represent the ways a company uses its funds. Among the expenses include direct expenses such as the cost of goods sold and indirect expenses such as rent and taxes.

Nathaniel Macon of North Carolina was only one of many Republicans who in the early months of 1812 voted against all attempts to arm and prepare the navy, who opposed all efforts to beef up the War Department, who rejected all tax increases, and yet who in June 1812 voted for the war.

accountant was not engaged to prepare the financial statements, there is no requirement to include a statement on each page of the financial statements indicating that no assurance is provided on the financial statements. The author requested that the AICPA define the word engaged. They responded that a client’s request for the preparation of financial statements service is the trigger for being “engaged.” In other words, a client’s request for the preparation of financial statements means we are “engaged,” provided we accept the work. Once the client makes the request, the accountant will create an engagement letter in compliance with AR-C 70. If the client does not request the preparation of financial statements and the accountant creates the statements as a by-product of another service (e.g., tax return), he is not subject to the requirements of AR-C 70.

Are there any other situations where AR-C 70 does not apply? Yes. The AICPA’s Center for Plain English Accounting addressed this question in the following question and answer: Q: If financial statements are prepared by the accountant as a by-product [author’s emphasis] of another engagement (for example, an engagement to prepare a tax return), is the accountant required to follow section 70 of SSARS No. 21 and include any special disclaimer or “no assurance” statement on those financial statements? A: No. The accountant is only required to perform the preparation engagement in accordance with section 70 of SSARS No. 21 when engaged [author’s emphasis] to prepare financial statements. Therefore, because the accountant

AICPA peer review checklists are free and can be obtained by Googling “AICPA Peer Review Checklist.” Use the most recent checklist (they often change). Minimum Documentation SSARS 21 states that the minimum documentation requirements are as follows: Establish your firm’s minimum work paper documentation. What work papers are required for each type of engagement? Will your firm require the preparer to sign off on each work paper? When the partner or manager reviews the work papers, will she initial each reviewed work paper or just a summary review sheet? Authority to Issue Determine who has the authority to issue financial statements and compilation reports. Here are a few questions to consider: •Who has authority to issue financial statements using the preparation guidance? •Who has authority to issue financial statements using the compilation guidance? •Will your firm require a second partner review of each initial preparation engagement? •Will annual compilation reports be reviewed by a second partner? Quality Control - A Simple Summary •Well-designed templates will: ·Enhance your firm’s compliance with professional standards, and ·Increase your efficiency •Create templates for those work products that you expect to issue most often (e.g., tax-basis preparation financial statements) •In developing your templates: ·Include the minimum required work papers and reports ·Vet your templates using the AICPA peer review checklists •Determine who has the authority to issue different work products (e.g., preparation, compilation, monthly, annual)

Pakistan need to better prepare their citizens for the demands of a changing information economy, and they need to adjust tax and social protection systems to ease the transition from labor market to information one.

The forward movement necessary to occupy enemy territory taxed the attacker’s energies and resources, while the defender was able to use this time to prepare to receive the attacker.

Seen from this perspective, Luke-Acts becomes a paean of praise to the incomparable grace of God, lavished upon sinners. The thrust of this can only be grasped, and then only partially, if we see it against the background of the understanding of God at the time: omnipotent, terrifying, and inscrutable. He is not to be understood as a pleasant and innocuous God, who is always prepared to forgive even more than people are prone to sin (in the sense of Voltaire's contemptuous remark, “Pardonner, c'est son métier,” “to forgive is, after all, his profession”; cf Schweizer 1971;146). It is precisely as the omnipotent and inscrutable that he forgives—for the sake of Jesus. The initiative, throughout, remains God's (cf Wilckens 1963:183). And it manifests itself in ways that make no sense to the human mind. The prodigal son becomes the recipient of unfathomable and undeserved kindness; sinners are not only sought and accepted but receive honor, responsibility, and authority (Ford 1484:77). God answers the prayer of the tax-collector, not—as Jesus’ listeners have anticipated—that of the Pharisee. Salvation comes to a chief tax-collector, of all people, but only after Jesus has taken the initiative and invited himself to the house of Zacchaeus. A Samaritan—the most unlikely candidate imaginable-—performs an extraordinary deed of compassion. A contemptible criminal receives pardon and the promise of paradise in the hour of death, without any possibility of making restitution for his wicked deeds. The crucifiers of the innocent man from Nazareth hear him pray for forgiveness for what they are doing to him. And in Acts despised Samaritans and idol-worshiping Gentiles receive pardon and are incorporated into Israel, with whom they form the one people of God. What Jeremias said with reference to Jesus’ word that the tax-collector, rather than the Pharisee, went home “justified” (Lk 18:14), can be said about all the examples referred to above: “Such a conclusion must have utterly overwhelmed (Jesus’) hearers. It was beyond the capacity of any of them to imagine. What fault had the Pharisee committed, and what had the publican done by way of reparation?” (quoted in Ford 1984:75). The Jesus Luke introduces to his readers is somebody who brings the outsider, the stranger, and the enemy home and gives him and her, to the chagrin of the “righteous,” a place of honor at the banquet in the reign of God.

demanded a birth certificate, relatives’ names and addresses, employment and criminal history for the last ten years, even tax returns. Preparing an undercover identity involved an elaborate operation. Gringo and JD had to create fake records—including school, credit, and work history—that corroborated their fictitious lives.

Reading Group Guide  1.   The river town of Hobnob, Mississippi, is in danger of flooding. To offset the risk, the townspeople were offered the chance to relocate in exchange for money. Some people jumped at the opportunity (the Flooders); others (the Stickers) refused to leave, so the deal fell through. If you lived in Hobnob, which choice would you make and why? If you’d lived in New Orleans at the time of Hurricane Katrina, would you have fled the storm or stayed to protect your house? Did the two floods remind you of each other in terms of official government response or media coverage?  2.   How are the circumstances during the Prohibition era (laws against consuming or selling alcohol, underground businesses that make and sell booze on the black market, corruption in the government and in law enforcement) similar to what’s happening today (the fight to legalize and tax marijuana, the fallout of the drug war in countries like Mexico and Colombia, jails filled with drug abusers)? How are the circumstances different? Do you identify with the bootleggers or the prohibitionists in the novel? What is your stance on the issue today?  3.   The novel is written in third person from two different perspectives—Ingersoll’s and Dixie Clay’s—in alternating chapters. How do you think this approach adds to or detracts from the story? Are you a fan of books written from multiple perspectives, or do you prefer one character to tell his/her side of the story?  4.   The Tilted World is written by two authors. Do you think it reads differently than a book written by only one? Do you think you could coauthor a novel with a loved one? Did you try to guess which author wrote different passages?  5.   Language and dialect play an important role in the book. Do you think the southern dialect is rendered successfully? How about the authors’ use of similes (“wet towels hanging out of the upstairs windows like tongues”; “Her nylon stockings sagged around her ankles like shedding snakeskin.”). Do they provide necessary context or flavor?  6.   At the end of Chapter 5, when Jesse, Ham, and Ingersoll first meet, Ingersoll realizes that Jesse has been drinking water the entire time they’ve been at dinner. Of course, Ham and Ingersoll are both drunk from all the moonshine. How does this discovery set the stage for what happens in the latter half of the book?  7.   Ingersoll grew up an orphan. In what ways do you think that independence informed his character? His choices throughout the novel? Dixie Clay also became independent, after marrying Jesse and becoming ostracized from friends and family. Later, after Ingersoll rescues her, she reflects, “For so long she’d relied only on herself. She’d needed to. . . . But now she’d let someone in. It should have felt like weakness, but it didn’t.” Are love and independence mutually exclusive? How did the arrival of Willy prepare these characters for the changes they’d have to undergo to be ready for each other?  8.   Dixie Clay becomes a bootlegger not because she loves booze or money but because she needs something to occupy her time. It’s true, however, that she’s not only breaking the law but participating in a system that perpetrates violence. Do you think there were better choices she could have made? Consider the scene at the beginning of the novel, when there’s a showdown between Jesse and two revenuers interested in making an arrest. Dixie Clay intercepts the arrest, pretending to be a posse of gunslingers protecting Jesse and the still. Given what you find out about Jesse—his dishonesty, his drunkenness, his womanizing—do you think she made the right choice? If you were in Dixie Clay’s shoes, what would you have done?  9.   When Ham learns that Ingersoll abandoned his post at the levee to help Dixie Clay, he feels not only that Ingersoll acted

Last year’s Boeing contract in Washington State saw members of the International Association of Machinists vote down a contract that would transfer their pensions to a 401k plan and increase their healthcare costs with minimal raises over eight years. “Because of the massive takeaways,” Local 751 President Thomas Wroblewski told his members, “the union is adamantly recommending members reject this offer.” After the members voted down the contract by 67 percent, Washington State found $8.5 billion in tax breaks for the company and International President Thomas Buffenbarger stepped in to carry this corporate sweetheart deal through the last mile. With Boeing threatening to move the assembly of the new 777X passenger jet to another state, the International demanded a re-vote and the intimidated membership agreed to the same deal they previously rejected. The collusion of a multinational corporation and the state in transferring billions of dollars of wealth from working-class people into the hands of the rich could hardly have been possible in this case without the assistance of the International leadership. Boeing workers got to keep their jobs—but the fight that they may have been prepared to have with their employer was swiftly shut down.

Compliance of Student Loan consolidation by The Student Loan Help Center The Student Loan Help Center firmly believes in strict compliance with the Telephone Consumer Protection Act (TCPA). The Student Loan Help Center has a zero tolerance policy in regards to violations of the FCC’s TCPA regulations. The Student Loan Help Center does not include unsolicited advertisements or unsolicited calls. We do make solicited calls prior to obtaining written consent via a website form. Refer to the “Small Entity Compliance Guide” for information. In adopting the written consent requirement, however, the FCC will recognize prior express written consent secured under the methods described in the E-SIGN Act. Permission obtained via an email, website form, text message, telephone keypress, or voice recording, as provided in the E-SIGN Act, will suffice as prior express written consent. The Student Loan Help Center does not include any cell phone text messaging platform, robocalls, autodialers, voiceblasting or any other device that can be considered automated telephone equipment without written consent. The Student Loan Help Center has a clearly written privacy policy, available to anyone upon request. We limit our calls to the period between 8 a.m. and 9 p.m., local time. The Student Loan Help Center assists consumers with federal student loan consolidation preparation and filing services. We are not affiliated with or endorsed by the U. S. Department of Education. Like filing a tax return, you can file a consolidation without professional assistance and without charge at loanconsolidation.ed.gov The Student Loan Help Center has no tolerance with misrepresentations. In our efforts to avoid confusion we have placed disclaimers at the bottom of every page of our websites. The Student Loan Help Center shows a Caller ID on every outbound call (8137393306, 8137508039, 8138038132, 8135751175 & 8133454530). The Student Loan Help Center is a private company. As such The Student Loan Help Center requires a FEE. That fee is disclosed to the client, in writing, before any billing is performed. The Student Loan Help Center has a very specific fee schedule. The Student Loan Help Center keeps the client’s records for a minimum of two years.

Mortgage Workouts Even if you don’t qualify for any of the government loan modification programs or your lender doesn’t agree to participate, you may be able to arrange a “mortgage workout.” A workout is any agreement you make with the lender that changes how you pay the delinquency on your mortgage or otherwise keeps you out of foreclosure. Many lenders require this formal process even for short-term fixes. Here are some workout options your lender might agree to: • Spread repayment of missed payments over a few months. For example, if your monthly payment is $1,000 and you missed two payments ($2,000), the lender might let you pay $1,500 for four months. • Reduce or suspend your regular payments for a specified time, and then add a portion of your overdue amount to your regular payments later on. • Extend the length of your loan and add the missed payments at the end. • For a period of time, suspend the amount of your monthly payment that goes toward the principal and only require payment of interest, taxes, and insurance. • Let you sell the property for less than you owe the lender and waive the rest. This is called a “short sale.” It’s best to start the workout negotiations as early as possible. But before you contact the lender about a workout, you should prepare information about your situation, including: • a reasonable budget for the

Chapter 1: What to Expect in Investing   Similar to other concepts that you may grasp, there is no “real way” to prepare for investing. Initially, you just have to jump in to start learning how you can manage different aspects of this activity as you go along. However, you still have to make the necessary preparations by learning the fundamental techniques and other intricacies included in this art and science. Also included in the things you should know are the expectations that you need to have when investing. "You need to expect tax deductions from the government.

Until you understand lots about accounting yourself, it’s far very probable that your organization accounts are prepared with the aid of either an internal bills branch or an out of doors professional.

Amen. The Jesus Prayer Lord Jesus Christ, Son of God, have mercy on me. or Lord Jesus Christ, Son of God, have mercy on me, a sinner. The Jesus Prayer is an invocation to the living Christ. In the Jesus Prayer we confess Christ as Lord and ask Him for His mercy. The Jesus Prayer combines St. Paul’s doxology (Phil 2:11), the tax collector’s spirit of repentance (Lk 18:33), and the blind man’s plea for enlightenment (Mk 10:47,51). “The divine name of Jesus Christ holds in itself the whole gospel truth,” wrote the author of The Way of a Pilgrim. The Jesus Prayer is appropriate for every Christian and may be recited in all circumstances-while kneeling, sitting, standing, walking, eating, traveling, working, or falling asleep. It may be offered at regular prayer times, during breaks at home and office, even in the bustle of commuting to and from work or while shopping and preparing meals. Its brevity makes it useful as a way of centering the inner consciousness on Christ, guarding against temptations and finding ready spiritual strength. The effectiveness of the Jesus Prayer comes from the power and the grace of Christ who hears our fervent invocation, cleanses our heart from evil and comes to dwell in us as personal Lord. The fruits of the Jesus Prayer are repentance, contrition, forgiveness, joy, peace and above all, as the pilgrim put it, “a burning love for Jesus Christ and for all God’s creatures. “Developed to maturity, the Jesus Prayer becomes a mystical prayer of the heart, an unceasing breath of the Holy Spirit praying within the believer, an inner spiritual fire energizing the Christian in all things. From the believer’s side the Jesus Prayer requires a sincere and humble spirit rather than a particular method. In quiet moments of concentrated prayer it may be recited rhythmically in order to establish inner attention. (Pray “Lord Jesus Christ, Son of God,” while breathing in, and “have mercy on me,” while breathing out.) But far more important are the constant attention to the words of the prayer and the fervent personal appeal to Christ for whom the soul yearns. Trust in the love and mercy of God. Seek the presence of Christ in your heart. Pray to Christ calmly and unhurriedly by enclosing your thoughts and feelings in each word of the Jesus Prayer.

University scholars Carl Benedikt Frey and Michael Osborne ranked about seven hundred occupations on their likelihood of being disrupted by the early 2030s.[14] At a 99 percent likelihood of being able to be automated were such job categories as telemarketers, insurance underwriters, and tax preparers.[15] More than half of all occupations had a greater than 50 percent likelihood of being automatable.

The Importance of Bookkeeping for Business Success Bookkeeping is a vital component of any business, regardless of its size or industry. It involves the accurate recording of financial transactions, which provides essential data for financial reporting, decision-making, and tax compliance. By maintaining well-organized and detailed financial records, businesses can ensure long-term stability and growth. What is Bookkeeping? Bookkeeping refers to the process of systematically recording a company’s financial transactions, including income, expenses, payroll, and other financial activities. It provides the foundation for creating financial statements such as balance sheets and income statements. Without proper bookkeeping, businesses would struggle to maintain accurate records, which could lead to financial mismanagement and compliance issues. Benefits of Professional Bookkeeping One of the most important benefits of bookkeeping is improved financial management. Professional bookkeepers help businesses maintain accurate and up-to-date records, ensuring that every transaction is tracked and categorized correctly. This level of organization allows business owners to monitor their cash flow, identify areas where they can cut costs, and make informed decisions. Additionally, by outsourcing bookkeeping, businesses can focus on their core operations without worrying about financial details. Tax Compliance and Preparation Tax season can be stressful for businesses, but proper bookkeeping makes it much easier. When financial records are well-maintained throughout the year, tax preparation becomes a seamless process. Bookkeepers ensure that all income and expenses are accurately recorded, allowing businesses to file their taxes without errors. Moreover, organized records help businesses take advantage of tax deductions and avoid penalties for late or inaccurate filings. Financial Reporting and Growth Accurate bookkeeping also plays a key role in generating financial reports. These reports provide insights into a business’s profitability, cash flow, and overall financial health. With this information, business owners can plan for future growth, make strategic investments, and secure loans if needed. Without reliable financial data, making informed decisions becomes much more difficult. In conclusion, bookkeeping is an essential practice for any business. By ensuring accurate financial records, tax compliance, and detailed reporting, businesses can achieve greater financial stability and growth opportunities.

The Importance of Accounting Services for Businesses In today’s competitive business environment, maintaining accurate financial records and ensuring compliance with tax regulations is essential for long-term success. Accounting services provide businesses with the necessary tools and expertise to manage their finances efficiently. Whether for small businesses or large corporations, professional accounting services help streamline financial processes, ensure regulatory compliance, and offer strategic insights for growth. What Are Accounting Services? Accounting services encompass a wide range of tasks, including bookkeeping, financial reporting, tax preparation, payroll management, and auditing. These services are designed to help businesses track their income, expenses, and overall financial health. By outsourcing accounting tasks to professionals, businesses can focus on their core activities while ensuring that their financial operations run smoothly. Additionally, accurate and timely accounting services help businesses avoid costly errors and penalties. Benefits of Professional Accounting Services One of the main advantages of hiring professional accounting services is the accuracy they bring to financial management. Skilled accountants have a deep understanding of financial regulations and tax laws, ensuring that businesses remain compliant. Moreover, accountants can identify tax-saving opportunities, helping businesses reduce their tax liabilities. This level of expertise allows businesses to save time and money, as they no longer need to navigate complex financial tasks on their own. Strategic Financial Planning In addition to managing day-to-day financial tasks, accounting services play a crucial role in strategic financial planning. Accountants analyze a company’s financial data to provide valuable insights into cash flow, profitability, and potential areas for improvement. This data-driven approach enables business owners to make informed decisions, allocate resources efficiently, and plan for future growth. Compliance and Risk Management Compliance with financial regulations is vital for businesses to avoid legal and financial risks. Accounting services ensure that all financial documents are in order, tax filings are accurate, and deadlines are met. By maintaining accurate records and staying up to date with tax laws, businesses can reduce the risk of audits and penalties. In conclusion, accounting services are an essential component of successful financial management for businesses of all sizes. By providing accurate financial reporting, strategic insights, and ensuring compliance, professional accountants enable businesses to focus on growth and sustainability.

Finding Reliable Bookkeeping Services Near You Maintaining accurate financial records is critical for any business, and bookkeeping services play an essential role in ensuring that your financial data is organized and up-to-date. Whether you run a small business or a large enterprise, outsourcing your bookkeeping to a local professional can save you time, reduce errors, and improve overall financial management. If you’re searching for bookkeeping services near you, finding the right provider can significantly impact your business’s financial health. The Benefits of Local Bookkeeping Services Hiring a local bookkeeping service offers several advantages, starting with personalized attention. Local providers are more familiar with regional tax laws and regulations, which can ensure that your business remains compliant. Additionally, face-to-face meetings are much easier to arrange, allowing for more effective communication and tailored services that meet your specific needs. Moreover, working with a nearby bookkeeping service enables quick access to your financial data and faster problem resolution. Should any questions arise, having someone local means you can address them promptly, improving the efficiency of your financial management. What to Look for in a Bookkeeping Service When searching for bookkeeping services near you, consider their experience and expertise. Professional bookkeepers should be well-versed in various accounting software programs, such as QuickBooks or Xero, and should have experience working with businesses in your industry. Additionally, ensure that the bookkeeping service offers a comprehensive range of services, including managing accounts payable and receivable, reconciling bank statements, and preparing financial reports. Reviews and recommendations from other businesses in your area can provide valuable insights into the reliability and trustworthiness of the bookkeeping service you’re considering. Checking for certifications, such as a CPA license, can further validate their credibility. Ongoing Support and Compliance Local bookkeeping services can also help ensure that your business stays compliant with tax regulations. By keeping track of all financial transactions and maintaining accurate records, they make tax preparation seamless. This support helps minimize the risk of errors and penalties during tax season. In conclusion, finding the right bookkeeping service near you can make a significant difference in how efficiently you manage your finances. With personalized attention, local expertise, and ongoing support, a professional bookkeeper ensures that your business’s financial health remains on track.

Finding the Best Accounting Firms Near You In today’s business landscape, having the right accounting firm can make a significant difference in managing your finances, ensuring compliance, and planning for growth. Whether you are a small business owner or an individual seeking tax advice, finding the best accounting firms near you can provide the expertise and support needed to maintain financial stability. Why Local Accounting Firms Matter Choosing a local accounting firm offers several advantages, especially when it comes to personalized service and understanding local regulations. Local firms are familiar with state-specific tax laws and compliance requirements, which can save time and prevent costly mistakes. Moreover, they offer face-to-face meetings, allowing for better communication and a stronger relationship between the accountant and the client. This personalized approach ensures that the accounting services are tailored to your unique needs. Services Offered by the Best Accounting Firms The top accounting firms near you typically offer a wide range of services that cater to both businesses and individuals. These services may include bookkeeping, tax preparation, payroll management, financial consulting, and auditing. Additionally, many accounting firms provide specialized services such as estate planning, business valuations, and forensic accounting. With such comprehensive services, the best firms ensure that every aspect of your financial management is handled efficiently and professionally. Expertise and Experience One of the most important factors in choosing the best accounting firm is the level of expertise and experience they offer. Reputable firms have a team of certified public accountants (CPAs) and professionals with years of experience in various industries. This allows them to provide valuable insights, strategic advice, and accurate financial reporting. Furthermore, experienced firms are better equipped to handle complex financial situations, ensuring that your business remains compliant and financially sound. Reviews and Reputation Before making your decision, it’s important to research reviews and the reputation of the accounting firms near you. Online reviews and testimonials can provide insight into the experiences of past clients and help you choose a reliable firm. Additionally, asking for referrals from other business owners or professionals in your area can guide you toward a trustworthy accounting partner. In conclusion, finding the best accounting firms near you is crucial for managing finances and ensuring compliance. By considering factors such as local expertise, services offered, and reputation, you can choose an accounting firm that meets your specific financial needs and goals.

Tax Accountant Near Me: Finding the Right Professional for Your Needs When tax season approaches, finding a reliable tax accountant near you can make a world of difference. With the complex nature of tax regulations, a professional tax accountant ensures that your finances are in order and that you're maximizing your deductions. Why You Need a Tax Accountant Hiring a tax accountant can save you both time and money. Not only do they help prepare your taxes, but they also provide valuable advice on tax-saving strategies. This can be especially beneficial if you have multiple income sources, investments, or a business. In fact, many individuals and businesses overlook potential deductions due to a lack of knowledge about tax laws. A tax accountant near you will be familiar with both federal and local regulations, ensuring that you're complying with all legal requirements. How to Find a Reliable Tax Accountant Near You There are several ways to find a trustworthy tax accountant in your area. First, word of mouth can be incredibly valuable—ask friends or colleagues for recommendations. Second, online directories and reviews can help you identify top-rated professionals. Transitioning to this step, ensure you verify their qualifications and experience before making a decision. What to Expect from a Tax Accountant Once you've hired a tax accountant, expect them to review your financial documents thoroughly. They will handle the filing process and, in some cases, communicate with tax authorities on your behalf. Additionally, they may offer advice on improving your financial planning for future tax periods. Conclusion Choosing a tax accountant near you simplifies the complex tax process and ensures compliance. Whether you’re an individual or a business owner, hiring a professional accountant is a smart investment that can result in significant long-term savings.

Tax Service Near Me: Your Solution for Hassle-Free Tax Management Are you searching for reliable tax services near you? Managing taxes can be a daunting task, especially with ever-changing laws and regulations. Luckily, local tax service providers offer professional help that can make your tax process stress-free and efficient. Why Choose a Local Tax Service? Choosing a tax service near you has numerous benefits. First and foremost, they are familiar with the specific tax laws and regulations of your area. This localized knowledge ensures that you receive the most accurate and beneficial tax solutions. Additionally, being close by means you can easily meet face-to-face for consultations, which provides a personal touch often lacking with online-only services. Comprehensive Services Offered Local tax services typically provide a wide range of solutions, from personal tax filing to complex business tax management. They also offer tax planning to help you minimize your tax liability in future years. Moreover, many of these providers can assist with tax audits, ensuring you are well-prepared in case of an IRS inquiry. How to Find the Best Tax Service Near You When looking for a tax service, consider their experience, customer reviews, and service offerings. You can start by searching online for "tax service near me" or asking friends and family for recommendations. Once you narrow down your options, it’s wise to schedule a consultation to see if their expertise aligns with your needs. Conclusion In conclusion, working with a local tax service can simplify your tax responsibilities. By choosing professionals with expertise in your area, you can confidently navigate your tax season without worry. If you're feeling overwhelmed by taxes, don’t hesitate to contact a trusted local provider today.

Finding the Right Accounting Firm Near You Choosing the right accounting firm is crucial for managing your financial records and ensuring compliance with regulations. Whether you’re a small business owner or an individual in need of tax services, working with a local accounting firm can provide personalized support and expertise. By finding a firm near you, you can establish a close working relationship and enjoy the convenience of in-person consultations, making it easier to address your specific financial needs. Benefits of Working with a Local Accounting Firm One of the main advantages of working with a local accounting firm is the ability to meet face-to-face. This personal interaction helps build trust and fosters a stronger understanding of your financial situation. Local firms are also more familiar with regional tax laws, regulations, and business practices, allowing them to offer tailored solutions that align with your needs. Additionally, local firms often provide quicker response times and more personalized services compared to larger, national firms, which can be beneficial for small businesses and individuals. Services Offered by Accounting Firms Near You Most local accounting firms provide a wide range of services that cater to both businesses and individuals. These services include bookkeeping, tax preparation, payroll management, auditing, and financial consulting. For businesses, accounting firms offer valuable assistance with tax compliance, budgeting, and cash flow management. Individuals can also benefit from services such as personal tax filing, retirement planning, and estate management. Many firms also offer specialized services tailored to specific industries, ensuring that they meet the unique needs of their clients. How to Choose the Best Local Accounting Firm When searching for the best accounting firm near you, it’s important to consider factors like experience, reputation, and the range of services offered. Start by looking for firms that specialize in your industry or financial needs. Additionally, check reviews and ask for recommendations from local businesses or colleagues. It’s also a good idea to schedule an initial consultation to assess the firm’s approach and ensure it aligns with your financial goals. Conclusion In conclusion, finding the right accounting firm near you can significantly enhance your financial management. By working with a local firm, you benefit from personalized services, in-depth regional knowledge, and a close working relationship. With the right partner, you can ensure that your financial records are accurate, compliant, and aligned with your long-term goals.

Ontario Increases Minimum Wage: Is It Enough to Live On as a Newcomer? At Esse India, we understand the challenges newcomers face when settling in Canada. As of October 1, 2024, several Canadian provinces, including Ontario, Prince Edward Island, Manitoba, and Saskatchewan, have raised their minimum wage. In Ontario, the wage has increased from $16.55 to $17.20 per hour. For immigrants pursuing Canadian permanent residency (PR) or leveraging opportunities like the Global Talent Stream, these wage changes play a significant role in financial planning during the immigration process. A full-time worker in Ontario, clocking an average of 39.3 hours per week, can now expect to earn approximately $675.96 weekly or $35,149.92 annually before taxes. However, after accounting for deductions, the net annual income is $29,026, according to Wealthsimple’s tax calculator. With Toronto being a primary destination for newcomers, the cost of living poses a serious challenge. For those navigating the Canada PR process or consulting with Canada immigration consultants, managing living expenses becomes critical. Rent for a one-bedroom apartment in Toronto averages $2,452 per month, and groceries for one person are estimated at $526.50 monthly. Essentials like utilities, internet, and phone services bring the total to approximately $3,407.84 each month, or $40,894.08 annually—well beyond the net income of a minimum-wage worker. Many immigrants face this reality as they wait for their foreign credentials to be recognized in Canada. While pursuing recognition, they may be forced to accept minimum-wage positions. With 20% of all occupations in Canada being regulated and requiring licenses, the wait for recognition can stretch beyond initial expectations. This highlights the importance of choosing the right Canada PR consultancy or Canadian immigration consultants who can provide proper guidance throughout the process. Newcomers often find themselves in lower-paying roles or entering programs like the Provincial Nominee Program (PNP), which offer alternative routes to permanent residency. For those working with Canada immigration consultants in India, weighing the costs of living against potential income is crucial. The same holds true for immigrants interested in Australia PR or Germany PR through Australia immigration consultants or Germany immigration consultants. The Financial Reality for Newcomers in Canada While many immigrants aim for higher-paying jobs once their credentials are recognized, the journey can be arduous. Programs such as the Global Talent Stream Canada or BC PNP provide skilled workers a pathway to Canada, but maintaining financial stability during this period is essential. Those applying for visas through Canada spouse visa consultants or seeking Canada tourist visa ETA must also prepare for similar financial pressures. Despite these hurdles, Canada continues to attract immigrants due to its robust support systems and opportunities for growth. However, at Esse India, we advise prospective immigrants to approach the Canada PR procedure or Canada PR consultancy with realistic expectations, especially those transitioning from regions where the cost of living may differ significantly. Exploring options like Work and Study in Canada for free, or even considering PR pathways in Australia and Germany, could offer a broader range of opportunities for balancing income with living costs. Whether it’s Canada, Australia, or Germany, it’s important to assess the financial implications thoroughly before making a move. This content, crafted by Esse India, emphasizes the importance of planning and financial awareness for newcomers pursuing permanent residency in Canada, while also touching on immigration alternatives in Australia and Germany.

There comes a time in every BLACK household when BLACK parents should have “the talk” with their children, especially the males. This “talk” isn’t about sex (that’s the other conversation lol) instead, it’s a race-realist, survivalist conversation addressing the NIGGER-created quagmire facing BLACKS. “The talk” teaches life skills that prepare the BLACK kid for the reality of paying the NIGGER-tax, which includes (but is not limited to) profiling, the proper reaction to any police encounter, and double diligence in all endeavors (academic, career, etc.). Double diligence is required because NIGGERS are doubly lazy. Moreover, “the talk” emphasizes that the only commonality between BLACKS and NIGGERS is melanin content, but society (via cultural conditioning) may still lump BLACKS with the worst elements of the African-American community.

The Importance of Bookkeeping Services for Businesses Effective bookkeeping is the foundation of any successful business. It involves the systematic recording, organizing, and managing of a company’s financial transactions. Whether you're a small business owner or running a large corporation, bookkeeping services help ensure that your financial records are accurate, up-to-date, and compliant with regulations. By outsourcing bookkeeping tasks to professionals, businesses can focus on growth and core operations without worrying about financial details. What Is Bookkeeping? Bookkeeping is the process of maintaining accurate records of all financial transactions, including sales, purchases, receipts, and payments. It involves organizing these records into categories like income, expenses, assets, and liabilities. The information generated through bookkeeping is essential for creating financial statements, tax filings, and understanding the overall financial health of the business. However, managing these tasks manually can be time-consuming and prone to errors, which is why many businesses opt for professional bookkeeping services. Benefits of Professional Bookkeeping Services One of the key benefits of hiring professional bookkeeping services is the accuracy they bring to financial management. Experienced bookkeepers are well-versed in the latest accounting software and financial regulations, ensuring that all records are kept accurately and consistently. Additionally, outsourcing this task allows business owners to save time and focus on other aspects of their business. As a result, they can make better financial decisions based on reliable data. Improved Financial Reporting Accurate bookkeeping leads to better financial reporting, which is critical for making informed business decisions. By keeping detailed and organized records, bookkeepers provide valuable insights into cash flow, profitability, and expenses. This allows businesses to plan their budgets more effectively, track financial performance, and identify areas for cost-saving or investment. Tax Compliance and Preparation Another important advantage of bookkeeping services is the ability to stay compliant with tax regulations. Bookkeepers ensure that all financial records are properly maintained and ready for tax season. With accurate and up-to-date records, businesses can avoid penalties and reduce the risk of audits, making tax preparation much smoother. In conclusion, professional bookkeeping services offer businesses the support they need to manage their financial records accurately and efficiently. By ensuring proper financial reporting and tax compliance, these services contribute to long-term financial stability and growth.

That MMS wasn’t fully equipped to do its job, in large part because for the past thirty years a big chunk of American voters had bought into the Republican idea that government was the problem and that business always knew better, and had elected leaders who made it their mission to gut environmental regulations, starve agency budgets, denigrate civil servants, and allow industrial polluters do whatever the hell they wanted to do. That the government didn’t have better technology than BP did to quickly plug the hole because it would be expensive to have such technology on hand, and we Americans didn’t like paying higher taxes—especially when it was to prepare for problems that hadn’t happened yet. That it was hard to take seriously any criticism from a character like Bobby Jindal, who’d done Big Oil’s bidding throughout his career and would go on to support an oil industry lawsuit trying to get a federal court to lift our temporary drilling moratorium; and that if he and other Gulf-elected officials were truly concerned about the well-being of their constituents, they’d be urging their party to stop denying the effects of climate change, since it was precisely the people of the Gulf who were the most likely to lose homes or jobs as a result of rising global temperatures.

Every digital app developer, no matter how humble its offices or how small its staff, almost automatically becomes a micro-multinational, reaching global audiences with a speed that would have been inconceivable in the first machine age. In contrast, the economics of personal services (nursing) or physical work (gardening) are very different, since each provider, no matter how skilled or hard-working, can only fulfill a tiny fraction of the overall market demand. When an activity transitions from the second category to the first the way tax preparation did, the economics shift toward winner-take-all outcomes.

According to Horrocks, who still has contacts with police officers and sees what they’re prepared to investigate when he takes his clients’ cases to them, the authorities only get involved in a case if it will earn them good press coverage. ‘If there’s a celebrity involved, Simon Cowell or whatever-her-name-is Ecclestone, the police are all over it,’ he said, ‘but if old Mrs Smith gets defrauded on a phone scam, and every penny to her name has gone, which might be only a few thousand quid but which has destroyed her life, no one looks at that.

For example, if you have a million dollars in savings, earning $20,000 from 2-percent taxable interest rate, and you earn more than $65,000 as a single person or $110,000 as a couple a year, that $20,000 will be taxed at approximately 30 percent, leaving you an effective return from your million dollars of about $14,000. That equates to an effective return of 1.4 percent before inflation.

Tax preparation service includes federal,state,or local tax returns.Tax advisory service includes analyzing financial and tax problems, formulating solutions and making recommendations designed to provide advice on taxation for clients ranging from individuals to business.

To a remarkable degree, the experiment had worked: In exchange for giving up some elements of their sovereignty, the European Union’s member states had enjoyed a measure of peace and widespread prosperity perhaps unmatched by any collection of people in human history. But national identities—the distinctions of language, culture, history, and levels of economic development—were stubborn things. And as the economic crisis worsened, all those differences the good times had papered over started coming to the fore. How prepared were citizens in Europe’s wealthier, more efficient nations to take on a neighboring country’s obligations or to see their tax dollars redistributed to those outside their borders? Would citizens of countries in economic distress accept sacrifices imposed on them by distant officials with whom they felt no affinity and over whom they had little or no power? As the debate about Greece heated up, public discussions inside some of the original E.U. countries, like Germany, France, and the Netherlands, would sometimes veer beyond disapproval of the Greek government’s policies and venture into a broader indictment of the Greek people—how they were more casual about work or how they tolerated corruption and considered basic responsibilities like paying one’s taxes to be merely optional. Or, as I’d overhear one E.U. official of undetermined origin tell another while I was washing my hands in a G8 summit lavatory: “They don’t think like us.” Leaders like Merkel and Sarkozy were too invested in European unity to traffic in such stereotypes, but their politics dictated that they proceed cautiously in agreeing to any rescue plan.

Reflecting on the rapid series of events, Margaret wrote to her American readers, “The revolution, like all genuine ones, has been instinctive, its results unexpected and surprising to the greater part of those who achieved them.” In a subsequent session, the assembly voted to call Mazzini to Rome, where he would soon become the most powerful of three triumvirs selected to lead the young republic through its infancy, as the new government prepared to implement a program of drastic reform. A punitive tax on flour would be repealed, a national railway system constructed, church properties claimed for inexpensive housing, and papal lands outside Rome divided among the contadini (Italy’s peasant class).

Kathy was always alert, always listening and watching, prepared for danger. This hypervigilance was a clear sign of acute trauma. It almost certainly taxed Kathy, sapping her strength, leaving her constantly drained.

Prepare or Have an Advisor Prepare Separate Tax Returns.

find a tax advisor who will also prepare your taxes. Don’t use a tax preparer who isn’t also your tax advisor.

Hospitality requires too much work. Create a guest list, send invitations, plan a menu, make a playlist, shop for groceries, design a tablescape, unearth and polish the fancy dishes, wash and press the table linens, chill the dessert, prepare the meal, dress for the occasion, light the candles, wash the dishes, do the mopping, “Keep-a busy, Cinderelly!”—perhaps this is the list that churns in your head every time you think about hosting others in your home. If so, no wonder you’ve stamped “Too much work” over the whole thing. That list is nearly as long as the tax code and would take more than a pack of animated mice to help you complete it. Might I offer you a word of encouragement I hope will dowse the hot flames of frustration that surround your attempts at hosting? Unless Victorian-era aristocracy has suddenly made a comeback in your neighborhood, you might be making hospitality harder than it needs to be. In chaining yourself to a lengthy list of to-dos, you may inadvertently lose sight of the whole point of hospitality: to welcome the stranger. Don’t make the experience about you, make it about them. Remember, Leviticus 19:34 kind of hospitality leads with ’āhaḇ love. It chooses service over performance, present over perfect.

The best way to avoid an audit is to make sure your tax returns are prepared by a tax professional who knows how to eliminate possible red flags for an auditor.

Much has also been written about a reverse manifestation of exponential change, about the impressively declining cost of solar photovoltaic cells leading to near-miraculous breakthroughs in solar electricity generation. The latter claim has been particularly popular: I encourage you to check those breathless reports of constantly and rapidly falling photovoltaic (PV) cell prices, and you will see how, if they were the only determinant of the actual cost of PV generation, we would soon be arriving at almost the same place where nuclear generation claims began in the mid-1950s, with solar generation being too cheap to meter, indeed, being absolutely a free give-away. In reality, detailed US data for residential PV systems (twenty-two panels) show that the module cost is now only about 15 percent of the total investment. The rest is needed to cover structural and electrical components (panels must be mounted on supports on roofs or on prepared ground), inverters (to change the direct current to alternating current), labor costs, and other soft costs. Obviously, none of these components, from steel and aluminum to transmission lines, permitting, inspection, and sales taxes, is tending to zero, and hence the overall costs of installation (dollars per watt of direct current delivered by the panels) show a distinctly declining rate of improvement: between 2010 and 2015 they fell by 55 percent, between 2015 and 2020 by 20 percent. And these costs do not include the additional outlays that will have to be made with the increasing share of intermittent sources (solar and wind) in overall electricity generation.

Discipline carried over into Eisenhower’s approach to the economy and defense. A champion of the free market, Ike told Americans that prosperity would come only to those who worked hard and made sacrifices; the government would do no more than clear a path so that individual Americans could demonstrate their God-given talents. It is no accident that Eisenhower’s closest friends were self-made millionaires who, like him, had started out in life with little. He also told Americans they needed discipline to wage and win the cold war. From his first inaugural to his Farewell Address, he insisted that to prevail in the struggle against global communism, Americans needed to demonstrate vigilance and steadfast purpose. They needed to pay taxes, serve in the military, and rally to the defense of their country. They needed to spend wisely on defense so as not to jeopardize the health of the economy or trigger inflation. Most significant, he believed, the American system could endure only if citizens willingly imposed self-discipline and prepared themselves to bear the common burden of defending free government. Americans like to think of themselves as the inheritors of Athenian democracy, but Eisenhower, a soldier-statesman who believed his nation faced a dire threat from a hostile ideology, also drew inspiration from the martial virtues of Sparta.16

To a remarkable degree, the experiment had worked: In exchange for giving up some elements of their sovereignty, the European Union’s member states had enjoyed a measure of peace and widespread prosperity perhaps unmatched by any collection of people in human history. But national identities—the distinctions of language, culture, history, and levels of economic development—were stubborn things. And as the economic crisis worsened, all those differences the good times had papered over started coming to the fore. How prepared were citizens in Europe’s wealthier, more efficient nations to take on a neighboring country’s obligations or to see their tax dollars redistributed to those outside their borders? Would citizens of countries in economic distress accept sacrifices imposed on them by distant officials with whom they felt no affinity and over whom they had little or no power? As the debate about Greece heated up, public discussions inside some of the original E.U. countries, like Germany, France, and the Netherlands, would sometimes veer beyond disapproval of the Greek government’s policies and venture into a broader indictment of the Greek people—how they were more casual about work or how they tolerated corruption and considered basic responsibilities like paying one’s taxes to be merely optional. Or, as I’d overhear one E.U. official of undetermined origin tell another while I was washing my hands in a G8 summit lavatory: “They don’t think like us.

As an investor, you pay lower capital gains taxes on any property sale profits. As a dealer, you pay higher ordinary income tax rates plus self-employment taxes (Social Security and Medicare). If you do get stuck in this dealer category, you’ll probably be eligible for the 20 percent deduction, so check with your tax preparer.

In 1934, with the country nowhere near able to climb out of the Great Depression, Upton Sinclair, famous for his muckraking novel The Jungle and his socialistic solutions for the ailing economy, had swept the Democratic primary for governor of California. (He was hardly alone in turning to socialism at such a dire time.) Mayer, fearful Sinclair would tax the movie studios to pay for his socialist programs, warned that MGM and other studios would move back east if Sinclair won—not anything he was prepared to let happen. Calling in Irving Thalberg, head of production, Mayer told him to create a fake newsreel showing the disasters that would follow such an election outcome. Movie theaters were forced to show the film when they booked an MGM movie, and William Randolph Hearst would see to its distribution to all other theaters in the state. And indeed, as soon as the fake exposé hit the screens, Sinclair’s huge lead vanished, and Frank Merriam became governor. The dirty politics and stealth tactics of Richard Nixon? As you can see, just a rerun.

How To Purchase Digital Securities On The BrightCOIN Platform In this post, we go over the steps an investor must complete to invest in an STO on the BrightCOIN platform. Almost all security token offerings in the US are launched under Reg. D, 506c, Reg. S, or Reg. A+. And as everyone knows by now, every contributor must not only pass KYC and AML screens but also must be accredited investors. So what does a contributor see when he clicks the “Invest Now” button on an STO landing page? You’re immediately taken to the issuer’s branded page to create an account. Once your email is verified, you’re presented with a screen that asks if you’re investing as an individual or an entity, such as an IRA or irrevocable trust, for example. You’ll then provide the information to complete the KYC and AML scans. If you registered as an individual, then you must upload the appropriate investor accreditation documents that will be verified. Alternatively, if you registered as an entity, you must upload the appropriate documents for verification as well. You’ll then be informed that your documentation has been submitted for verification. The verification process typically takes 24-48 hours to complete. Next, you’ll be asked to complete a questionnaire detailing the conditions of the offering. You must acknowledge that you’ve read them all individually then read and acknowledge terms of service and privacy policy. On the next page, you’ll be presented with a form to make your contribution. Choose the currency you wish to make your contribution with, in addition to the amount you’ll contribute. Your contribution will automatically calculate the number of tokens you’ll receive for your contribution based on the current exchange rate. Then, you’ll be presented with the issuer’s subscription agreement. Read it carefully, agree with the terms and sign. The only step left is to confirm your token purchase. That’s it! You’ve completed the whole token purchase process and will receive your tokens at the close of the STO. The content (Blogs, FAQs, News) posted on BrightCOIN may contain incorrect information, always get professional advice. Neither BrightCOIN nor any of its directors, officers, employees, representatives, affiliates or agents shall have any liability whatsoever arising from any error or incompleteness of fact or opinion in, or lack of care in the preparation of, any of the materials posted on this website. BrightCOIN does not provide legal, accounting or tax advice. Any representation or implication to the contrary is expressly disclaimed.

What is so mind boggling is that all of this is being financed by the American people themselves through their own taxes. In other words, the American people are underwriting the destruction of their own freedom and way of life by lavishly financing through federal and state grants the very social scientists who are undermining our national sovereignty and preparing our children to become the dumbed-down vassals of the new world order.” —Samuel L. Blumfield (1927–2015) American Author, Educator

a company relies on a massive “outsourcing strategy to build a mass marketing giant.” This form of commercial development allows corporations to pass on their liabilities to third-party suppliers, franchisees, and to some degree, local governments. Cities eager to attract businesses subsidize business growth through the preparation of land, by providing increased policing, and by offering tax breaks.

But ethnic diversity also has an effect on other aspects of how societies operate. Putnam (2007) has shown that ethnic diversity dramatically reduces trust and makes people much less inclined to invest in the ‘common good.’ The result of this is that ‘Welfare States’ tend to collapse. Welfare States are predicated upon high levels of trust. People are prepared to pay tax so that others, whom they trust and see as members of their in-group, can be assisted in hard times. They do this because they trust that these people will do the same for them. To some extent, a welfare state involves looking after your own genetic interests. By funding a health service, for example, you are assisting your ethnic kin. But once you are no longer doing this in such a clear cut way, because the society is ethnically diverse, then the incentive to contribute to the common good is reduced (Putnam, 2007).

Earthwatch Institute offers an opportunity to join research scientists around the globe, assisting with field studies and research. Most programs involve wildlife—for example, you can help track bottlenose dolphins off the Mediterranean coast of Greece (8 days, $2,350), or work with Kenya’s Samburu people to preserve the endangered Grevy’s zebra (13 days, $2,950)—but some are cultural: A program in Bordeaux, France, for instance, has volunteers working in vineyards helping to test and improve wine-growing practices (5 days, $3,395); accommodations are in a chalet and meals are prepared by a French chef. Prices do not include airfare, but can be considered tax-deductible contributions. Earthwatch Institute–U.S., 114 Western Ave., Boston, MA 02134, 800-776-0188 or 978-461-0081, www.earthwatch.org. For many volunteers, their favorite program is Sierran Footsteps. Volunteers spend four days with the Me-Wuk Indians in central California’s Stanislaus National Forest harvesting reeds and then making baskets. They also learn Indian legends and cook traditional foods. The project is designed to help keep these Indian traditions alive. It might sound like summer camp, but this program, and all the others, has a serious side.

They have worked hard their whole lives to support their families, while others ate at the trough paid for by them. Many have saved and prepared for times like this, knowing this government was spending itself into oblivion. What’s next? Are you going to take their possessions so that you can feed the same people who caused all this? The people have to realize we cannot survive as a nation if we punish those who work and pay taxes to feed the lazy and then we buy votes with government checks.

Realty investing is something you can assist to variety your profile more varied. Putting your cost savings into structures and land can provide you expanded your financial investments over even more sectors besides simply bonds and stocks. Continue reading to find out properly to buy investor. When choosing to purchase realty, make it expert by establishing an LLC. This will assist to shield both you personally and the financial investments that you make in the future. It can likewise provide you tax advantages thanks to your company negotiations. Constantly get a great feel of the neighborhood values resemble. Home loans and rental costs in communities that are regional will provide you a home is worth. Be particular you invest adequate time on business as well as discovering about exactly how it works. You need to budget plan your time invested on various other activities in order to make even more cash over the long run. Ditch the poker night or an additional guilty satisfaction so you have even more time to sharpen your investing abilities. Stick with niches you feel comfy handling. You will discover more success by adhering to a specific market sector. Whether you prepare to flip a residence, purchase or buy a rental home repossession, stay with exactly what you understand for success. Get to understand others in genuine estate market. It can be practical to have a couple of buddies who understand about investing in genuine estate. Troubles with lessees could take in a large amount of time. This presumption is harmful in the genuine estate market and any specific home. Your finest bet is to invest in things that supply a favorable money flow right away. Land near water or in the future. If you buy a home with the objective of leasing it out, be cautious of who you let lease it. If they can not get their cash together at this time, they aren't a trusted bet for you. When thinking about a big factor to consider for buying genuine estate, Area is critical. Consider the location you are deciding to purchase and the possible capacity. Make sure you are a great bookkeeper. You will conserve yourself a significant headache later on if you're excellent accounting now. You can find info about city planning information and various other details that could affect genuine estate values in the future. A growing city that's growing is an excellent financial investment. When attempting to get that next offer, never ever over-leverage yourself. You should keep money on reserve in case the unanticipated expenditures. Begin little with simply one home. Start with a single home and discover as you desire to make use of. Realty is a wonderful method to branch out. There are particular guidelines you need to comprehend. Use this short article when you begin to invest into genuine estate in order to end up being effective in it. Continue reading to discover the right means to invest in luxury condos miami financier. When choosing to invest in genuine estate, make it expert by setting up an LLC. Get to understand others in genuine estate market. It can be valuable to have a couple of pals who understand about investing in genuine estate. Use this post when you begin to invest into genuine estate in order to end up being effective in it.

I have no doubt that she is sincerely desirous of seeing all the evils of suffering humanity remedied, and that she thinks this might easily be done, if Government would only undertake it. But, alas! that poor unfortunate personage, like Figaro, knows not to whom to listen, nor where to turn. The hundred thousand mouths of the press and of the platform cry out all at once:-- "Organize labour and workmen. "Do away with egotism. "Repress insolence and the tyranny of capital. "Make experiments upon manure and eggs. "Cover the country with railways. "Irrigate the plains. "Plant the hills. "Make model farms. "Found social workshops. "Colonize Algeria. "Suckle children. "Instruct the youth. "Assist the aged. "Send the inhabitants of towns into the country. "Equalize the profits of all trades. "Lend money without interest to all who wish to borrow." "Emancipate Italy, Poland, and Hungary." "Rear and perfect the saddle-horse." "Encourage the arts, and provide us with musicians and dancers." "Restrict commerce, and at the same time create a merchant navy." "Discover truth, and put a grain of reason into our heads. The mission of Government is to enlighten, to develop, to extend, to fortify, to spiritualize, and to sanctify the soul of the people." "Do have a little patience, gentlemen," says Government in a beseeching tone. "I will do what I can to satisfy you, but for this I must have resources. I have been preparing plans for five or six taxes, which are quite new, and not at all oppressive. You will see how willingly people will pay them." Then comes a great exclamation:--"No! indeed! where is the merit of doing a thing with resources? Why, it does not deserve the name of a Government! So far from loading us with fresh taxes, we would have you withdraw the old ones. You ought to suppress "The salt tax, "The tax on liquors, "The tax on letters, "Custom-house duties, "Patents." In