Archive for March, 2009

Teaching Work Ethic To Teenagers and Children

Tuesday, March 31st, 2009

Question from a reader:”Why do we have such lousy service at fast food stores, department stores and any other service store that is still in business?”

 

goodservice1

 

As the photo above shows, not all service is done poorly.

My answer is that because nobody takes the time to teach children (who become teenagers) the basic work ethic.  The deal is that if you want to make money, you need to provide a service or product for somebody so they will want to do business with you again.  There is no magic to the formula but television, radio, the Internet and general yuck yuck attitude of people (and yes, parents, I am talking to you for not taking the time to teach your kids this stuff) have created many generations of people who are only working their job until they sell their screenplay, get hired as a top model, sell enough marijuana to quit their dayjob, etc. 

I am not talking about every child or teenager.  There are a lot of good and even great people who are working at fast food windows, electronic and department stores who take the time and give great service.  The problem is that when you have mostly mediocre to lousy service you tend reinforce the bad. 

The reason I am not ragging on adults is because most adults who are working can still force a fake smile and realize that in their most jaded nightmares that they still need to work.  You will see them trying very hard to do whatever it takes to keep themselves working and gainfully employed in our New Depression economy.

Folks, take five minutes and start getting your kids to say “please” and “thank you”.  Tell them to ask what they can do to help their customers or take the time to read their job scripts and make them their own with a positive attitude.  Life is more than videogames, skateboarding and whoring it up.  Well, maybe not much more but come on, gang, we need to ramp up our service industry a notch or twelve.  We are in a Depression and there is a lot of competition for work.  Employers will start laying off the slackers and problem children soon enough if they haven’t done so already.

So, to answer your question, the problem has been there for awhile, it just is more annoying when the economy is lousy and you have to part with hard earned or scarce money and aren’t getting service for the service that you are supposedly paying extra for.

Ah, also tell your kids to turn off their cell phones, no texting, and to pay attention while at work.  They are their for the benefit of their employer and not their hotty boy friend.  Don’t forget to arrive on time.  Employers don’t need to hear excuses because you didn’t plan accordingly to make it to your job when you should have been there.  There are plenty of other teenagers and even retired people who are anxious to fill your position.

And parents?  We already know that teenagers are already doing a great job trying to juggle hormone changes, body changes and dealing with school problems.  Don’t add to their issues by setting a crappy example with dealing with others.  Children and adults learn by example.  Remember to set a good example and then on top of that, set a better example. 

You will be remembered by your actions probably more than your words.  Trust me on that.

Happy Working!

March 31 2009 mid day

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Teaching Work Ethic To Teenagers and Children

Reminder For Those Recently Laid Off

Tuesday, March 31st, 2009

I have been getting emails from a lot more people who have been laid off and are looking for work.  I posted back in July 2008 this post and it is a small section from part of my book on Practical Money Making.  Keep in mind that the suggestions I made back there are amplified in some respects because there are so many other people out there who are out of work.

My amendments to the passage and other blogs are:

1.  Think about moving to other regions of the United States for work.  The Midwest has been hiring in some places (though others have been like ghost towns) and even parts of Southern California have been hiring (though more places statistically have been laying people off).  The change may not have to be permanent.  If somebody offers you some contract work and the numbers make sense to move while still making mortgage payments in another state, please go for it!

2.  Get anything that can provide some income no matter what it is if you can handle it.  This isn’t the time for pride.  We are in a Depression and you need to be working.  In a year or two things may be different but for now you need to be putting bread on the table and paying the rent or mortgage bills.

3.  Meditate or do something to stay healthy and centered.  Get a regular routine going and stick with it.  Don’t get into the habit of being sloppy and spending all day playing World of Warcraft or texting your girl friends.

4.  Keep sending out resumes.  Keep looking for business connections to help you find employment.

5.  Remember your friends and family.  Work with them for support and cooperation and eventually things will work themselves out.  A lot of them may be looking to you to see how you react and you don’t have to be the Rock of Gibraltor or Superman but you can be honest with them.  If you are scared, that is normal but you can save the screaming and crying freakouts for when you are by yourself.  Set a good example of how to cope without drinking or drugs by showing your family how you react to being laid off.  Hopefully, it will be only a temporary situation anyways!

 Peace and good luck to all of us!

 March 31 2009

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Reminder For Those Recently Laid Off

State and Local Taxes on a W-2 Missing

Monday, March 30th, 2009

Question from a reader:”My W-2 looks weird this year.  The information for the State of California looks incomplete.  The bottom of my W-2 doesn’t have any numbers.  Things change that badly for the State of California?”

 

My answer is no, it sounds like your Human Resources Department or their payroll processing people goofed up and didn’t get the California figures carried over to you correctly.   You need to go back to them and have them reissue the W-2 and/or provide a letter with the correct amounts that you were paid for.  The one exception is that if you aren’t a California worker and not working in a state that has state income tax.  In that case your W-2 would be fine.

Box information should be as follows-Box 15- State name and the Employer’s State ID number.  It may be the same or different from the Fed ID number.

Box 16 – should have your State wages.  The wages again would be different from the Fed or they may be the same.

Box 17 – the box should have your total state income tax paid.

Box 18 generally is blank but when you efile it should have the amount that is the local wages and for California that usually is the amount from Box 16.

Box 19 and 20 – Local income tax and Locality Name generally are where the CASDI, California State Disability Insurance amounts and the acronym “CASDI” go.  They generally are coded incorrectly in Box 14 from  payroll services.

If your HR department is giving you grief or out of business (and by that I mean that the company you use to work for is no longer around – I have seen a lot of that lately) you can use your last paycheck of the year 2008 and get the totals that were withheld for taxes etc and you can make the information work.

Good luck and I hope your HR dept is around and can just reissue or give you the numbers that they filed with the IRS and State of California with!

March 30 2009 midday

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

State and Local Taxes on a W-2 Missing

Business, Money and Fear

Monday, March 30th, 2009

Question from a reader, “Kim, I am scared ***less about the future.  Any thoughts to calm my nerves?”

My answer is that business always as an element of fear about it – a fear of the unknown, a fear of lack of control and a fear of course of losing money.  Pundits and the wealthy always say that the people who make money are the ones that are willing to take risks.  That is true in some cases.  Pundits and the frugal also say that patience and time are the safe ways to accumulate a fortune without large amounts of risk. That is also true in some cases.

 

htoohproblems

 

In our current situation, we are definitely in a case of the unknown about the future.  One one hand we have a lot of us unemployed and it looks very tough to them to look to the future to try and get a job.  Their fear is very real and justified that they may not have enough money to pay their bills.  The best way to calm their nerves down is to get them employed.  And as fast as possible! 

The Congressional and Treasury money releases and stimulus packages are slow moving changes that probably aren’t going to work fast enough to get a lot of people back to work.  That is something to be scared of.

Now for some things that you don’t have to be scared of and then back to some things that you can be scared of.

There will be either a dead cat bounce in the economy or some sort of programs to get people working.  There is a major drive to get business moving inside the United States.  Why do we want it do get moving here  some fearful European or Asian friends may ask?  Because we are still the world’s largest economy of consumers.  Sure, India and China want to step up.  So does Russia but the US is still the big dog in spending money.  Now in order for Americans to spend money, they need to have an income stream and that means they need to get back to work.

There are lots of job postings on the Internet but they are for very special skillsets or something that one has to retrain for or take a paycut to move into.  Situations like this have happened in the last Great Depression (I guess this makes this the New Great Depression) and people will have to retrain and hustle to get work.  Jobs will be opening up though probably as I stated before not as fast as people will want.  People are already splitting their families with one spouse working the Midwest and the other working in California or New York.  It makes for multi-state tax returns with varying degrees of complexity (by the way I do multi-state tax returns if anybody needs them done).

The  American people – that is all of us of all nationalities, skills, race, creed, color and religion – are versatile and flexible.  Something is going to happen to get people going again because the alternative is that we will be in a 16th to 18th Century environment of things falling into total disrepair in the infrastructure and people living like it is the Wild West. 

There will be inflation and that is something that scares me.  We have trillions of dollars being introduced into the economy and our government is smart enough to know that we will have to sooner or later start jacking up interest rates to attract investment back in the country’s dollar.  We will be in a scary position with inflation coming back and a lot of people slowly getting back to work but finding that their dollars aren’t buying as much as they use to.

People now are in a Depression mode in terms of money.  Everybody who is out of work is saving and cutting costs where they can.  There are always people who don’t get the message until their credit cards are maxed out and cancelled but there are others who are cutting back.  That is evident in some sales figures dropping (though it looks from government statistics that people must be spending their Federal IRS check refunds or something because we are seeing some spending going on).

Things that you should be afraid of (see, I am going back on topic) are that our dollar may become worthless and everybody’s savings may become moot.  Other things to be afraid of are losing one’s health.  It is true what your parents (well, Mom at any rate) use to say:  Without your health you have nothing.

I will take this opportunity to talk about a few things that are scaring me as well.  The In Home Support Services for the State of California is being cut as well as threats to special needs care.  Please write your Congressional leaders and the Governor and tell them that this is just plain wrong.  People who are caring for special needs in their house are taking care of their relatives and loved ones who would cost the State of California twice as much money at least to take care of.  If the State is trying to throw them out with the bathwater, that is scaring me because taking care of people who can’t take care of themselves is an integral part of the American and Californian way of life. 

Note I am not talking about bastards who abuse the health or social system.  I am talking about the people who are trying to live and function in daily lives as part of society.  They work and consume just like we do.  They help keep the local, state, national and international economies going.  Big picture people. 

Some closing thoughts to dovetail with the above information – if you want to calm your nerves, do an inexpensive hobby to relax.  Learn to meditate or dance (or both) and add some years to your life.  It is only money.  The food, shelter and clothing is what is important and do what you can to keep the items that you need for basic life support.

Hug and kiss your loved ones and find the courage and strength to go on through them.  You will be surprised but as the old saing goes,  if you take ten steps towards God (or the Universe or whatever you call it), the Universe seems to take one hundred steps towards you! 

To all of my readers I wish you peace, happiness, wealth and good health.

March 30 2009

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Business, Money and Fear

Home Based Businesses

Sunday, March 29th, 2009

I get a lot of questions asking about home based businesses,  They are the way to go if you want to make part time income or have something to do until you get working full time again but unless you have deep financial pockets you have to watch what you are doing.

The sobering news is that most businesses started at home fail within 3-5 years.  People start selling multi-level marketing schemes, vitamins, perfumes, cleaning products, you name it-somebody probably has an angle on it.

One of the latest items has been e-cigarettes which were electronic cigarettes from China that allowed you to dial your nictotine consumption and take it flavorfully electronically sparked. People were selling them in kiosks in malls but the FDA got ahold of the news and is shutting them down since the device hasn’t been approved.

These leads into one of my number one issues with people who start up a business at home – do your homework on licenses, taxing regulations and the market.  Three simple things that if done can save you money and horror stories later on.  If you have a requirement for a business license, get it.  In the City of Los Angeles, if you make under $100,000 you can generally get a license for free- if you remember to file timely.  If you are required to collect taxes – make sure you get a resale license from your state taxing authority and take the time to collect whatever you need to from your clients or customers.

These simple tips will also give you insight into your business and keep your actions above board and limit the chances that if you get audited you will be treated as a hobby (and taxed accordingly) instead of a business.

Some home based businesses that may make you some money – credit card or general debt restructure advice, anything that has to do with making money at home, selling organic vegetables.

March 29 2009

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Home Based Businesses

the 80 Percent of Us

Saturday, March 28th, 2009

March 28 2009

Here we are, the end of a week, and I am grateful.  If you are working, you should be too.  That would make you one of the 80 Percent of Us.  I was recently in the 20% but I was blessed that I was able to get work right away and I have a lot of irons in a lot of fires.  There are a lot of people like me who are very busy even in these hard times.  There are people who even though they are making money and saving it, still have some discretionary spending that they take very seriously.

 

us

 

That is the part of the equation that economists don’t point out in their fear and doom scenarios.  Yes there is horrible unemployment and there is probably going to be more.  Assuming the worse case that we have unemployment at 20% which is an astronomical figure, you still have 80% of the people in America working. 

Are they underpaid?  Probably.

Are they in debt?  Probably but not all of them.

Some of them may have stashed cash, paid off their homes and are in good shape because they either got lucky, were conservative in their spending or have relatives who keep them employed.  The choices are endless. 

Their situation is subject to change (as all of ours are) but I bring up that point just to show you that there are still people out there who have money to buy things.  They are holding onto it and if you have the right product or service, they will spring for it.

Am I saving money?  You bet but I also will spend money on things that I like.  I may not get a top of the line computer system for work but I will get a decent one.  I may give up buying coffee when I go out in the morning but I still will buy something comparable from the supermarket and make it at home.  As one of the 80 Percent of Us, you may have your own goods or services that you still will splurge on.  It is human nature. 

Just don’t go too nuts otherwise you will end up in the other 20 Percent of Us.

And a reminder – be charitable, nice and gracious to the 20% who are currently out of work.  You may end up in the 20% at one point and you will want the wheel to come full circle!

Have a great weekend to all 100% of us and for the 20% of us that are looking for employment – I am sending you my thoughts and prayers.  Please hang in there, don’t hang yourself and stay healthy, happy and keep working on getting wealthier.

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

the 80 Percent of Us

Rates Are Too High What To Do

Friday, March 27th, 2009

Question from a reader:”What do you do about clients who think that you are charging too much for business rates?  I know that I am reasonable for being a mechanic.  I am tired of getting into arguments with people.  Any advice?”

 mekanic

Ahhh.  When it comes to charging people for your services, the Internet and the illusion of do-it-yourself and all that create the feeling that whatever it is you are charging is too high.  You should do the work for free out of the goodness of your heart.   Don’t you hate it when clients treat you like you are worthless?  When it comes to money, people forget that the knife cuts both ways and that is why the international corporate world has laid off so many people.  We all charge too much.  Or do we?

It boils down to the economic cost of time.  What does the value of time mean to you?  I would present this scenario back to the perspective client (unless of course you are charging way above market rates and in that case, you better rethink what is going on with your competition).

I can change my own oil.  I know the concept, I use to do that on my old 1968 Pontiac Executive (awesome car) and my 1974 Volkswagen Beetle (not bad of a car).  The Pontiac Executive was a tight fit but I could actually get under it with the car just being up on a ramp and drain the oil and change the filter myself.  The VW was pretty easy as well.

Today, I would need to get a ramp, somewhere to park the car, take the time to do it, hang onto a container to dispose of the oil, make sure I don’t violate OSHA regulations, etc, etc.  I need to put aside half an hour to an hour to get everything ready and get everything done.  That doesn’t include if I get dirty, oil makes too much of a mess, cleaning my clothes, etc.

I can go to a car mechanic and pay $9 to $30 and have him do it and I am in and out in half an hour if he isn’t busy.  For what my time is worth an hour and for the amount of aggravation I would need to go through, this is a no-brainer.

I get the same crap from people who complain that some consulting prices I charge (and they vary) and tax preparation fees.  You can buy off-the-shelf software for doing taxes, setting up a website, a database, etc and I encourage people to do that – if their needs are simple.  I also encourage people to do that if they are short on money (who isn’t these days, huh?) and want to do-it-yourself.  Some people though are starting from ground zero and they are trying to get years to decades of experience crammed into a couple of hours and it just won’t happen.  Building that website, the database, publishing that book or preparing that tax return may stretch into weeks, months and at that point the value of time kicks in.  They would have been better off paying me (or you or whoever) $350 and have their project completed accurately, professionally and to a high level of standards for a few hours of their time.  Boom, they are finished and they can move on.

But people get penny wise pound foolish.  How common is it that people at tune up time don’t get their brake pads replaced when they are worn thin?  Ask any mechanic besides yourself and you will make an extra $300-600 when they come back with their brakes burnt off.

Everybody needs to find their own value of time and for some people you just need to let them walk away or wait for them to come back to you.

This is different than when you are exploiting somebody or dealing with their fears.  If you are frightening the elderly or disabled into buying things they don’t need, the Law of Reciprocity is catching up to you and taking away some of your business.  In that case, serves you right.

Some consultants can charge horrible rates because of the fear factor or that is what the market perceives is their value.  I suggest reason be one’s guide in consulting practices as well.  Eventually if an industry or market is too high, consumers will find reasonable alternatives.  In the meantime, all the best to all the businessmen and women out there!

 

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Rates Are Too High What To Do

Business, Women, Dirty Dancing and Money

Friday, March 27th, 2009

There have been a lot of articles on the web and on scandal tv about women who are turning to dirty dancing, stripping or other ancient businesses to make money.  Yes, the economy is bad and yes, women (and men) need to make money.

While all those articles point to the money to be made, it has to be noted that like in all silver linings, there is generally a cloud wrapped around it.

 

moneydance

 

Once a woman decides to enter the dancing, film or web cast world, they can pretty much forget about having them looked at in any other way as a performer if the word gets out that they have done this type of work.  I am all for women being empowered and making money but they should realize that it will pretty much limit one’s options on a go forward basis.

The question may be moot if the woman marries a rich guy, can save enough money to quit the business and start a small grocery business or floral shop (or multi-million dollar enterprise if you want to dream big).

The reality is that the money may come in for awhile but there is a lot to be spent on building maintenance and upkeep.  Your building (your body and looks) have to be top notch and you need to attract clients (or tenants).  The issue comes in that it is very competitive in this market now and most organizations that hire ladies can be very choosy.  You will probably be hired as an independent contractor (that means you will be filing a Schedule C for the Fed taxes and you should get a 1099) which means you can write off expenses but remember that you will also be paying both sides of social security tax and half of self-employment tax.  So, make sure you save for that.

You should also report all tips that you are making.  If you get audited and the IRS or state revenue agencies find you haven’t been paying taxes on your tips, you may have some issues.

I am not here to make ethical judgments (I am the last person to be one to judge another) so the lady needs to make her own decision as to what will work to put bread on the table, a roof over her head and feed her children.

I have done tax returns for entertainers of all types and they are very hard working people (and a lot of their children are well adjusted) and as they are apt to talk about, their business isn’t recession-proof and sometimes it isn’t very recession-resistant either if people are out of work and can’t splurge for big dance night parties anymore.  Lack of clients yields the same results in any business.  There is also a yuck side to the industry where drugs and alcohol are needed to cope with the ill-feelings a person has for having to be in this particular lifestyle.  That burns into the money that you are making  and defeats the purpose of choosing this business.

Just be aware that there isn’t a lot of glamor in these types of industries and quickly becomes like anybody else’s employment.  It becomes just another job – though one that for a short time may pay a little better.

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Business, Women, Dirty Dancing and Money

Tax Crunch Countdown 03 26

Thursday, March 26th, 2009

Tax crunch countdown folks.  If you haven’t filed your taxes, remember that April 15 is coming up fast.  If nothing else, just file and if you need an extension get that filed as well.  You still will have to work with the IRS and respective State taxing authorities if you are going to owe them money but trust me that you aren’t the only person in that situation.  They will work with you to set up payment plans.

If you are doing complex returns and really don’t like research, please spend the extra money and blow off the tax software and go see a live tax preparer.  The tax professional can do in a couple of hours (if they know what they are doing) what you might take a couple of weeks to do and still might get wrong.  If you do have the mental chops, patience and math skills by all means do it yourself but it is getting late in the season and not a time for ego or heroics where you need to just get the darn thing filed correctly.  Okay, I am off my soapbox..

In a lighter note, AIG executives and other executives are getting taxed at 90% on their big bonuses.  There is some justice in the world.  A lot of execs are returning their bonuses as well.

California refunds are being issued and as back to normal as can be with a state that has budget problems.

Stay healthy, get wealthy, be happy and hang in there.

March 26 2009  mid day

 

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt

Tax Crunch Countdown  03 26

California Regional Centers Need Money

Thursday, March 26th, 2009

I went to a California Regional Center open forum last night and it was standing room only.  There is going to be a State cut of 3% and a one time cut of $100,000,000 from the state budget for caring for special needs, helping people live on their own and generally giving purpose to the clients of the California regional center.

I urge all of the people reading this in California to please support the regional centers by writing your Congressional representatives and the Governor.  The California regional centers help people with autism, special needs and other disabilities function as part of society.  They are clients for the regional center and they are an easy target for budget cuts.

We discussed in the open forum in Van Nuys that in some small cases there is room for abuse and I think everybody in the program accepts that there will be budget cuts but the regional center clients  need a roof over their heads and they are just trying to be part of society.

The ethical and moral issues aside, it is bad for business to treat our people who can help themselves the least with disdain and abandonment.  I am not one for entitlement programs but I am one for help programs to get people to do something to have a higher quality of life.  The regional centers help people achieve their potential.

Caregivers (parents, siblings, friends) don’t live forever.  The scary part of life isn’t death but who is going to take care of people who can’t take care of themselves after we are gone.  Please do what you can to help and if you need more information drop me an email or a post.  You can google California Regional Centers for more information.

I have a daughter who is a client of the Regional Center and I have a vested interest in seeing her have a decent quality of life.  You may have friends or loved ones in the state of California who also are in need of a decent quality of life.  Think of it this way as well:  If you are out of work, without a place to stay and hungry, how much worse is it if you can’t take care of yourself or completely understand what is happening to you or are unable to express your frustrations at what is going on around you?   The Regional Centers can help with that.

Thanks for listening.

March 26 2009

Interested in any of my books?  You may want to make a stop over  here. Please click through to purchase my books and some other interesting items that actually ARE on sale.   Have you read my book, “Bad Tax Idea, Good Tax”?   Please order it today.  The tips inside can save you hundreds if not thousands of dollars!

 If you are looking for a day job, part time work, suggestions for saving money or investing, please check out my book listed below.  Part of all the proceeds from the sales of that book  go  to Rett Syndrome research.  One girl is born with Rett Syndrome worldwide every fifteen minutes.   My daughter Arianna has Rett Syndrome and we are working to do all we can to make her life easier and find a cure in her lifetime.  Boys born with the Rett gene generally die at birth.

  Practical Money Making-Surviving Recession, Layoffs, Credit Problems, Generating Passive Income Streams, Working Full Time or Part Time and Retirement

Kim Isaac Greenblatt