The Internal Revenue Service (IRS) is the revenue service of the United States federal government. IRS tax reliefs can be of various forms. Each form comes with a variety of certain variables such as the debt amount, the financial position at the present and the fines as a result of the money borrowed. As a surplus, various IRS tax relief Programmes are also available for all different sorts of debts heedless of whether they are of property, employment or income or other business related liabilities. Some of them are explained below:
Compromise agreements negotiations are a way for reassessment. It can not only reduce the fines and extra payments based on your period during which you are indebted, but also can actually reduce the cost of the tax liability. Tax rebates are properly negotiated by tax specialists in certain special circumstances such as the person is unable to pay off the entire fees or the nature of the debtor seriously undermines the possibility of bending the policies in his/her case. As for he/she is produced in the court on functioning of tax litigation, he/she can file bankruptcy here too. As is the case with all administrative pronouncements, taxpayers sometimes litigate the validity of the pronouncements, and courts sometimes determine a particular rule to be invalid where the agency has exceeded its grant of authority.
Certain plans for payment can help the tax reprieve. Ideal for businessmen or individuals who have come across serious dues or other penalties due to silly mistakes, errors and miscalculations in their personal accountancy or bookkeeping. Personal loans can some to the savior but in this reprieve, you have to pay the required interest and enter into an installment agreement which will also be having some amount of interest and/or payment extensions. If the conditions are unnegotiable, then as decided by the IRS, these extensions may well be downplayed and short term attenuations in payment extensions or tax interests are possible.
Penalty reassessment is one measure by which your tax rebate can be performed. Many a times penalty reassessment may be subject to carelessness giving rise to computerized flaws and loopholes in calculations. Such mistakes can be pin-pointed or may be a waiver can produce substantial documentation and ask for waiving the penalty in case of unavoidable circumstances of extreme trauma or demise of someone close.
IRS tax relief companies are a great remedial option when they might provide with best reliefs in shortest time preventing your salary garnishment or tax liens or seizures.
I miss to open my e-mail for a couple of weeks because of too much work. On my day off, I remember to check one of my email account. When I open and check my email I was happy and surprised to read a notification email coming from citiseconline (online brokers I'm using on buying and selling share of stocks) that one of the company I bought their share of stock gives one peso per share as dividend and its already been send and credited to my open citiseconline brokers account. I think this is the extra cash in my brokers account I'm wondering where's come from after the last time I check my citiseconline account. By the way I'm using Easy Investment Program (EIP) of citiseconline since I cannot always check and monitor the stock of the company that I've been bought due to the nature of my work thus sometimes I've forgot opening and checking my email.
My First Dividend
Although small amount, I feel ease to received my first dividend since I do nothing, other than buying their stock and hopefully I will sell it at the high price sooner. I can say it is a kind of a passive income. Considering this amount I have a chance to accumulate additional share of stocks if I choose to reinvest by buying same stocks of that company using this amount. Or an additional money to my savings or my emergency fund.
For me, receiving my first dividend from a company is a sign that this company are doing good in business and their business is still growing better in future. And I've gain trust and less worry that my money invested to this company will not loss anytime.
It is nice to invest in this kind of company that giving dividend, my first dividend payment has inspired me to save even harder to build up emergency fund early as I can so that I can use more income to grow my portfolio of dividend stocks.
The New Year is upon us, and for their 2012 resolution many will opt to lose weight. Obesity is one of the biggest epidemics facing many industrialized nations, and because of this, it is often the most popular choice for New Years Resolutions. However, losing weight isn't just good for your overall health, it is good for your wallet too. If you are serious about bettering your finances in the upcoming year, losing weight may be one of the best ways for you to save money both short and long term. Losing weight will help you save money in the following year through:
Limited Healthcare Costs
Being overweight wears your body out. Your organs have to work harder and are often bogged down by fat, your joints work harder to carry the excess weight, and your heart works harder to pump blood to your bigger body. Not only does your body wear out quicker, but you are at a higher risk for diabetes, stroke, and heart disease – none of which come with a cheap price tag.
While Britain does have universal healthcare, the general upkeep of dealing with diseases such as diabetes or heart disease, isn't always covered. In terms of home care or certain medications, some claims may be denied, forcing you to pay out of pocket. By keeping your waistline trim, you will be able to avoid the high fees of caring for someone in poor health which often leave many calling a bankruptcy attorney.
Lower Food Bills
Those who are overweight may not typically eat more than someone who is fit, in regards to quantity, but they do generally eat out more which comes with a high price tag. If you eat out every day for lunch, there is a good chance that you spend about £ 50 a week on lunch alone. If you are also eating out for dinner a couple of times a week, there is probably another £ 40 to £ 50. That is about £ 300 to £ 400 a month that you could save by skipping the high calorie meals out. Not only will you have quite a bit of money left over at the end of each month, but you will drop a couple of sizes too by bringing a more nutritious lunch from home.
Smaller Clothes Have Smaller Price Tags
If you where anything larger than a XL, there is a good chance that you are paying a couple of bucks more for your shirt than someone who wears a XL or smaller. Larger clothing costs more to make, and therefore manufacturers have to increase the costs of the item in order to profit. By shedding some weight, you will be able to fit in to smaller sizes and spend less on clothing.
By choosing to lose weight in the New Year, you will not only improve your overall health, but you will get to fatten up your wallet as well. So do yourself a favor, and set a resolution that will benefit you in more ways than one.
How to Help CDO, Iligan and other Victims of Typhoon Sendong?
Tropical storm Sendong brought landslides and floods that took the lives of more than 600 plus and several hundred are still missing and feared dead people in Mindanao. It hit the cities of Cagayan de Oro and Iligan the most. If you want to reach out to our affected Kababayans, I have compiled a list where you can send your donations and how you can help. Below are ways to help the victims.
Help CDO, Iligan and other Victims of Typhoon Sendong
Help CDO, Iligan and other Victims of Typhoon Sendong
Help CDO, Iligan and other Victims of Typhoon Sendong
DSWD welcomes volunteers. Inquire at the following DSWD offices:
DSWD National Resource Operation Center NAIA Chapel Road, Pasay City (beside Airport Police Department and back of Air Transportation Office) Tel. Nos.: (02) 852-8081, (02) 851-2681 Mobile No.: (0918) 9302356
DSWD Field Office 10 Masterson Avenue, Upper Carmen Cagayan de Oro City Tel. Nos. (088) 858-8134, (088) 858-6333 Mobile No. (0906) 6150095 c/o Manny Borres
DSWD also accepts cash donations at these bank accounts:
Land Bank of the Philippines Peso: DSWD Donation - 3122-1011-84 Dollar: DSWD Donation - 3124-0055-81
Donations may also be sent via GCash.
Text DONATE<space>AMOUNT<space>MPIN<space>DSWD and send to 2882. Example: DONATE 1000 1234 DSWD
Philippine Red Cross Bonifacio Drive, Port Area, PO Box 280, Manila 2803 Tel. No: 527-0000 Email: prc@redcross.org.ph
Philippine Red Cross accepts cash donations at these bank accounts:
Banco De Oro (BDO) Peso: 00-453-0018647 Dollar: 10-453-0039482 Swift Code: BNORPHMM
Bank of the Philippine Islands (BPI) Peso: 4991-0036-52 Dollar: 004994-0103-15 Swift Code: BOPIPHMM
Metrobank Peso: 151-3-041631228 Dollar: 151-2-15100218-2 Swift Code: MBTCPHMM
Philippine National Bank (PNB) Peso: 3752 8350 0034 Dollar: 3752 8350 0042 Swift Code: PNBMPHMM
Unionbank of the Philippines Peso: 1015 4000 0201 Dollar: 1315 4000 0090 Swift Code: UNPHPHMM
To donate via SMS, text RED<space>AMOUNT to 2899 (Globe) or 4143 (Smart). For G-Cash, text DONATE<space>AMOUNT<space>4-digit M-PIN<space>REDCROSS to 2882.
You can donate the following denominations: Globe: 5, 25, 100, 300, 500 or 1000 Smart: 10, 25, 50, 100, 300, 500 or 1000
Red Cross also accepts cash donations at any of the 1,500 Cebuana Lhuillier pawnshops nationwide.
Kapuso Foundation Kapuso Foundation's Operation Bayanihan in Cagayan de Oro accepts rice, instant noodles, canned goods, bottled water, clothing and medicines:
GMA Kapuso Foundation Operation Bayanihan Command Post Capitol University Gym, Corrales Ext., Cagayan de Oro City. Mobile No.: (0919) 5749835 c/o Armi Sobremisana
For those in Metro Manila and other areas, you may send cash donations at:
GMA Kapuso Foundation 2nd Floor Kapuso Center GMA Network Center EDSA, Diliman, Quezon City Tel. Nos.: (02) 928-4299, (02) 928-9351
The foundation also accepts donations via its bank accounts under the name GMA Kapuso Foundation, Inc.:
Metrobank Peso: 3-098-51034-7 Dollar: 2-098-00244-2 Swift Code: MBTC PH MM
United Coconut Planters Bank (UCPB) Peso: 115-184777-2 or 160-111277-7 Dollar: 01-115-301177-9 or 01-160-300427-6
BDO Peso Savings: 469-0022189 Dollar Savings: 469-0072135 Swift Code: BNORPHMM Note: Bank collects service fee
PNB Peso: 121-003200017 Dollar: 121-003200025 Swift Code: PNB MPH MM Note: Bank collects service fee
Donations to Rock Ed Philippines' potable water fund for Cagayan de Oro maybe deposited at the following bank account:
BPI Peso: 3080-0073-44 Branch: Loyola Heights
Tulong Kabataan The volunteer and relief network of the National Union of Students of the Philippines and other youth organizations accepts relief goods:
No. 89 K-7 Street, Kamias, Quezon City Mobile No.: (0926) 1703655 c/o Vanessa; (0947) 3168407 c/o Rainier; and (0932) 4015588 c/o Athena
Cash donations may also be deposited to following bank account under the National Union of Students of the Philippines - Head Office, Inc.:
National Union of Journalists of the Philippines Tel. No.: (02)3767330 Mobile No: (0910) 4950095 Email: nujphil@gmail.com
The NUJP is also collecting donations for media workers in areas hit hard by Sendong:
Metrobank Peso: 229-722-9507-458
LBC Foundation
LBC will ship donations to Sendong victims for free. Just drop it off at any LBC branch in the Philippines, as well as in KSA, UAE, Singapore, HK, Brunei, Malaysia, Taiwan, UK, Spain, and Italy.
Smart Communications
Smart subscribers all over the country may donate to Smart's Baha Fund by transferring funds to Smart Money account number 5577 5130 6822 1104. Donors may also deposit cash to the same Smart Money account number in any BDO branch nationwide or through Hapinoy and Cebuana Lhuillier outlets.
Xavier University, Tabang Sendong
* Any help — food, clothes, books, bottled water, others — can be sent to Fr. Eric Garcia Velandria SJ, coordinator of Sendong Operation, KKP Office, Xavier University-Ateneo de Cagayan, 9000, Corrales Ave. Cagayan de Oro City, Philippines.
According to XU-CSG President, GemGem Tero, food and clothes donations are more needed.
Account Name: Xavier University Bank Name: Bank of the Philippine Islands, CDO Divisoria Branch Account Number: 9331-0133-63
Armed Forces of the Philippines
Contact details: Situation Awareness Center (SAC), CRS AFP, Camp Aguinaldo, QC Landline: 912-6615 CP Nr. (0917)2471252
Volunteers are needed at DSWD Cagayan de Oro (Masterson Road, Upper Carmen) to repack and deliver relief goods. Call 09066150095 https://twitter.com/#!/DSWDserve
The Oblate Missionary Foundation (OMF) accepts donation for the victims of Sendong.
Email: oblate.missionaryfoundation@gmail.com
Call or text: 0644212652/09177204604/09228366422
You can send food items, drinking water, used clothing, blankets, medicines, cash and what you have to the following dropping centers.
Panday Bulig Relief and Rehabilitation Center
Tabang Mindanao Center 12th-22nd streets, Nazareth 9000 Cagayan de Oro CityT/F: +63 (88) 856 6413E: pandaybulig@gmail.com(look for Ms. Beryl Tranco)
Bigby’s will start to accept donations in cash or kind at all Bigby’s branches in Megamall, Ayala Cebu, SM City Cebu Northwing, Abreeza Davao, SM City Davao, SM City Bacolod, Limketkai Center, SM City Cagayan de Oro, Robinson’s Place General Santos.
SuperFerry
SuperFerry corporate ticket outlets located in Robinson’s Ermita, Araneta Center Cubao, Victory Mall Caloocan, Pier 2 and 15.
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For many beginners who come to invest/trade in the stock market, they don’t have a realistic idea of how many percent they might gain over a year. For years, from the trader library and forums, I figured out that the top number was around 28-35%/year. And, recently, I discovered that these numbers are way too low for benchmarking at all… and, that could set an invisible barrier of limit in traders mind.
1) Breaking Through from the Limiting Beliefs:
Here is just a short story of how imaginary barrier can limit people performance and may spark some inspiration in the mind…
* The 4 minutes Barrier
Just like once people thought that the world was flat. Before 6 May 1954, athletes had never able to run a mile under 4 minutes, and some “experts” at the time even commented that it was physically impossible for a human to do so, or the heart would explode under the pressure to run a mile in under 4 minutes.
Roger Bannister was medical students at that time, not even a professional runner, believed it could be done. He prepared himself with training and he became the first person to ever run a sub four-minute mile (3min 59.6sec) on 6 May 1954.
More interestingly, 56 days after Roger Bannisters breakthrough, John Landy ran the four minute mile in 3 minutes and 57.9 seconds in Finland. Later Bannister and Landy raced in the Mile of the Century where Bannister won in 3 minutes and 58.8 seconds.
As for today, it is no more any surprise for high school athletes to run a mile under 4 minutes, for that mental barrier had been gone. ONLY after a person breakthrough from his own limiting beliefs, he can then sail into uncharted waters and has experiences he never had before.
2)Setting the Right Benchmark or Higher
Recently, I have come to know of an old trader who wrote and trade his own system for 30 years and only work for himself.He does not sell his system or even signals for trade.
On the other hand, he joins some forums and professional groups to share some valueable views and ideas…He also presents his research paper freely for others who may interest to read.
For those who may get the ideas from his paper would know that his system is for REAL, and not fantasy.
If you are interested to get into the financial market some day, say in the future. Then it is strongly recommended that, take a look at his website… His papers and his simulation results.
ONLY when there is a good Benchmark, then one can know what kind of aim he should set…
OF COURSE, the market cannot give profits from air, when more and more people are aware and able to use such strategies and tactics, the profits would drop according to number of participants are able to develop such systems.
Many “Conventional Wisdoms”, such as ship must be built by wood in order to be able to float, no machine can fly, and later believe that plane cannot break the sound speed barrier, etc… are now proven to be wrong ideas that limiting people imagination...
Most of us live beyond our means because we fail to know the difference between our need and wants. Our basic needs as humans are few: shelter, food, clothing, transportation, education, insurance, and medical attention. Everything else beyond need, in reality we can consider it a want. However, distinguishing a want from a need is not so easy. There are times when we feel the urge to buy something that we think we need. It is often pressure from friends, family and dictates of society that brings forth this urge. And the sad truth is, it is usually too late when we realize that we only want but not really need - what we had spent for.
What are our real needs? And how do we differentiate wants to needs?
In food. Simple, nutritious food cooked at home is a need. Fancier food usually cooked in a restaurant is a want. But there are cases in which it is cheaper to buy food rather than to cook. So better choose the option which give you nutritious food at the lowest cost.
Clothing. You need clothes that are clean, neat and are suited for daily activities. Wearing an expensive designer clothes is a want.
Transportation. Have an enough money to be able to go to work and return home is a need. Owning a vehicle to go to work are usually a want. But there are cases in which it will cost you less to own a vehicle than paying for a jeepney, taxi and bus ride. When this happens, then the vehicle is a need.
Our needs are basically the same because we have similar physical characteristics. But because of the environment we grew up in, im sure we may have a different views of what are our needs and wants. Only you can fully understand your needs and wants.
So how about you? Do you know what are your wants and need?
The Philippines Stock Market, one of the few equities markets in Asia which has the shortest trading hours in the region, has been planning to extend trading hours as it prepares to link up with other Southeast Asian markets via a regional trading network to be launched in March 2012.
The stock markets of four Southeast Asian nations — the Philippines, Malaysia, Singapore and Thailand — have made plans to integrate their stock markets to groom the regional block into a stronger magnet for global portfolio investment.
By January 2, 2012, the trading hours will be extended further into the afternoon but with a lunch break in-between. The morning session will be 9:30 a.m. to 12 noon while the afternoon session will be 1:30 p.m. to 3:30 p.m.
Below is the new trading schedule which will take effect on 02 January 2012:
IMPLEMENTATION DATE
January 1, 2012
National Anthem
08:45 a.m.
Pre-Open
09:00 a.m.
Market Open
09:30 a.m.
Market Recess
12:00 p.m.
Market Resumes
01:30 p.m.
Pre-Close
03:17 p.m.
Run-off/ Trading-at-Last
03:20 p.m.
Market Close
03:30 p.m.
Please take note of the adjusted time for the End of Day (EOD) reports:
1) 12:45 pm – TP’s Daily Transaction Report (DTR), ABC, and Consolidated Trade File (CTF) for the morning session (09:30 a.m. to 12:00 nn);
2) 4:15 pm – TP’s Daily Transaction Report (DTR), ABC, Consolidated Trade File (CTF) and Price File (PF) for the whole trading session (09:30 a.m. to 03:30 p.m.);
3) 5:00 pm – Daily Quotation Report (DQR) on the PSE Website.
My brothers is one avid reader of my blog. Since both of us are OFW, most of the time he's asking me how to do online transaction like how to send money in the Philippines?how to pay SSS Contributions?How to pay smartbro bill? etc.. So I decided to post some online transaction in order to help my brother step by step process what im doing. And also to share this to my fellow OFW.
My brother also got interested to invest in stock market after watching each episode of pesos and sense video posted from my blog and now asking me how will I able to fund my citiseconline brokers account online?
Here is the step want Im doing to fund my citiseconline brokers account using my MetroBank Online account. You have to enroll first your metrobank account before you can transact online such as paying bills and or funding citiseconline brokers account.
1. Go to www.metrobank.com.ph or https://personal.metrobankdirect.com/ and then Login to your account.
2. Under eBanking Solutions located at left side, click Pay Bills.
3. Under Special bill, select CITISECONLINE.COM, INC
4. Enter your COL account number under Subscriber/Account Number, Just leave blank to the Reference No. and Enter your Contact Number.
5. Choose the Metrobank account from which the payment will come from and Enter the amount you wish to deposit on your citiseconline account.
6. Select Immediate Payment then click Continue.
7. Click confirm and print the receipt for your copy to keep.
8. Wait up to 24 hours before your fund will go to your Citiseconline account. You will received Deposit Acknowledgement Receipt to your email from citiseconline.com confirming that your fund has been deposited. See print screen photo below.
Before Deposting to my Citiseconline Account
After Depositing my Fund.
Here you go, I hope it can help a lot for easily funding your citiseconline brokers account.
