The Difference Between Tax Planning and Tax Paying…

Posted by morecollegeoptions | Posted in Education | Posted on 28-07-2016

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…Is That With The Same Income You Pay Less In Taxes Is…A Maximum Refund  There are many credits and deductions available to the knowledgeable (or those who pay for the expertise) and the incentive for the government to clearly spell it out is just not there…clearly. They can pad their budget by NOT letting you […]

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Cloud Based Freebies Is Like A Lotto You Actually Win

Posted by morecollegeoptions | Posted in Education | Posted on 26-07-2016

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Cloud Based Freebies Gets Your Feedback And Gives You Free Stuff…freebies

Sometimes there’s a survey or an offer….sometimes it just typing in your email and in your box – stuff!

Gifts? Ebay inventory…you distribute the goodies as you see fit.

Most of us have a love-hate relationship with the click. click. click. working. We have a cap for how much time we can spend on the computer. We love video games, but hate filling out taxes. We love candy crush but we don’t like updating our family on our lives via email (or maybe you do, good for you).

You have a computer in arms reach nearly all the time with a smart phone. So why not spend a few minutes in the check out line…waiting…signing up for Cloud Based Freebies and click. click. click. pursuing a few opportunities for free stuff! Coupons for money off stuff you will be buying.

Being an adult is partly a game – of money – and how we spend out time.

Cloud Based Freebies Is Like A Loop Hole In The Game

Cloud Based Freebies is a middle man instead of the trash man. Fortune 500 companies need somewhere to put their excess inventory, need some way to pass off the material burden…And a hand off to someone grateful would be nice. Cloud Based Freebies gathers the things, gets a little participation from you and ships it off!freebies

Be surprised at all the opportunities you’ll find once you sign up.

You have a few minutes at some point with a little tapped-y-tap energy left in you for the pursuit of free stuff! You do. It’s easy. It’s free.

Help these companies out – take the hand out.

Click here to join Cloud Based Freebies! The lotto where you win actual things.

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“Leave Unused Credit Card Open,” Says Un-common Sense

Posted by morecollegeoptions | Posted in Education | Posted on 15-07-2016

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It’s common knowledge to open a card, get the perks, use it, pay it off and close that account ASAP or it’ll hurt your credit. That’s intuitive. That makes sense.

WRONG-GO, This Time It’s UN-Common Sense For Your Win

It’s counter-intuitive how the credit system actually works. DO NOT CLOSE UNUSED CARDS! Why??

#1 – The length of credit history matters. As an 18 year-old you’ll get lots of credit card offers in the mail. In their self-interest, hoping you will spend the maximum and spend years paying down the accruing interest and balance. Maybe you’ll miss a payment and the interest rate can go from reasonable to astronomical, which means so high you are trapped. The credit card companies is like the band Trapt in their hit Headstrong” saying this to you:credit cards

“Back off I’ll take you on
Headstrong to take on anyone
I know that you are wrong
Headstrong we’re Headstrong
Back off I’ll take you on
Headstrong to take on anyone
I know that you are wrong
This is not where you belong
I can’t give everything away
I won’t give everything away”
Love, Credit Card Companies

We At Higher Education Assistance Can Give Everything Away. It’s For The Sake Of Your Education On Credit Cards, After All!

DO NOT CLOSE OLD CREDIT CARDS. Leave them open with a $0.00 balance. Why else?!
#2 – This will lengthen your OPEN line of credit. If you have 10,000 credit line with 3,000 balance total on the cards then you have the IDEAL ratio of closed to open lines of credit, which is 30%. Anywhere from 0-30% spent (closed) credit is considered good and gets you those points on the score. When you close a card you shorten your line, you increase your percentage.
We’ve even known people to OPEN new cards after figuring out their ration of open to closed lines of credit. If you know your credit card LIMIT just take a second for some basic math. Add up the amount you COULD spend on each card…now that’s the bottom of the fraction (denominator). Now add up how much you OWE on each card. That’s the top number in the fraction (numerator). Now divide your faction and you have the decimal for a fraction. If it’s .4, you have used 40% of your credit line. Aim for 30%.
If you have higher than .3 then do this math! It’s easy, hang in there. DIVIDE your credit card debt by .3. You will get your magic number. That’s the amount of credit you still need.
Apply for a new card with a line of credit with that amount. Sometimes you cannot request the exact amount but sometimes you can. Try this credit card.

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Drink This Coffee And Get Jazzed!

Posted by morecollegeoptions | Posted in Education | Posted on 14-07-2016

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The world is teeming with life, digitally, globally and…really. Maybe you are a busy college student. Maybe you are a full time working adult that takes night classes. Bets are out that your calendar isn’t teeming with time to work out.

Work out that fat with Weight Loss Coffee Works.

While You Are Bettering Your Life – Better Your Body

Coffee is an anorectic and will suppress your appetite. Drinking some coffee when you get the urge to stuff your face – is what my coffee addict friends and I call “Getting Jazzed.” We talk about how great we feel working when we are ‘jazzed’, which means hungry and caffeinated (with coffee specifically). We are sharper and truly do make better career decisions. Even our Yogi friend teaches classes ‘jazzed’ – although she reminds us to push that water hard so we aren’t dehydrated.

Coffee is a diuretic and while it won’t completely dehydrate you to death, it won’t hydrate you to health….Drinking a lot of water has shown to help you loss weight, too. Her thing is…yeah, the coffee helps you burn fat faster but if you don’t have the water available to carry about the waste, you aren’t helping yourself. But H2O and coffee…magic. weight loss coffee works

One cup of black coffee has

  • 2 calories
  • no fat
  • 11% B2
  • 6% B5
  • 3% Manganese and Potassium
  • 2% Magnesium and Niacin.
  • Plus, caffeine is a stimulant and can make you smarter, and work harder, longer.

Drink Coffee To Live Longer And Better

What else can we add to coffee to enhance coffee’s already amazing weight loss effects?

Cream and Sugar? No, type 2 Diabetes and weight gain.

Butter? Dave Asprey says, yes, and lots of it. Yak-butter in his coffee when he was in Tibet made him feel like a million bucks, and it was hard to say of what cause, but he lost weight AND felt great! Flash published an article saying this, ” In 2009, he perfected his blended breakfast; the official Bulletproof coffee recipe contains two cups of high-quality, single-origin coffee, at least two tablespoons of unsalted grass-fed butter, and one to two tablespoons of MCT (medium-chain triglycerides) oil, a concentrated extract of a type of fat found in palm and coconut oils.”

Dave Asprey is a Paleo diet fan, absolutely. He lost 100 lbs back home on that Bulletproof coffee recipe. He replaced his breakfast with it. There is great “beef” to pick with this by people like Kris Gunnars writing for Authority NutritionEven if you are going to lose weight you do not know want to be nutrient deficient. We are going for being MORE of a person with less weight, not less weight AND less great a person (because you have dramatically elevated cholesterol, for example).

Kris Gunnars has no “grass fed beef” to pick with coffee itself. It’s just all that butter. She’s like coffee’s official spokesperson, calling coffee “one of the healthiest beverages on the planet.” In this article she talks about a remarkable study. The results were that 4-5 cups of coffee per day had 12% reduced risk of death for men and 16% reduced risk of death for women. 1 cup has a 5-6% reduction in risk of death. In another article she points out the 13 health benefits to coffee. See those here. 

Weight Loss Coffee WorksAdding the Benefits of Yerba Mate and Garcinia Cambrogia to Your Coffee Is A Game Changer

WeightLoss Coffee Works is finding that happy medium. It’s not Black – it’s a green bean. It’s not butter or oil it’s a leaf and a fruit.

Yerba mate…better known as just mate…are leaves usually seeped like a tea. It’s known for it’s weight loss and calming effects.

Garcinia Cambrogia is a fruit and it’s zest has something called hydroxycitric acid, or HCA, which stops the enzyme that turns sugar into fat. It lowers blood sugar levels, as well.

Extra Bonuses of Buying Weight Loss Coffee Works

  • Improve your credit. That’s right. 35% of your credit score comes from payment history. And you can buy this monthly.
  • And comes right to your door!
  • This monthly way to buy coffee is awesome for your budget. Known amounts in a budget are always better than unknown, and who knows how much you’d pay for your java.

Feels like a Yes-Brainer. ; ) Click here to buy your stockpile of better life and better body. 

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District Judge William Pauley Supports Citizen’s Right To Privacy The police and government offic…

Posted by morecollegeoptions | Posted in Education | Posted on 13-07-2016

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District Judge William Pauley Supports Citizen's Right To Privacy

The police and government officials here in the US and in the UK, perhaps many other places, have a device called a Stingray. Acting like a cell phone tower the device forces all phones in the area to ping to the device, and then they can pin point a suspects phone and put something called firmware to bug the device. The is the big brother…eye in the sky…that invades privacy. Granted, it seems to be for the protection of the common good, but that kind of power in the wrong hands…dangerous. Our judicial system has given a solid check to balance that power. We thank them.

#UIP  is a check to the poor decisions of private individuals who want to use your information to their benefit or just reek some havoc…keep your power in check with Ultimate Identity Protection.

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There Is No Spoon When You Get Yourself A Loan

Posted by morecollegeoptions | Posted in Education | Posted on 12-07-2016

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This ladder climbing thing can be exhausted, and disorienting. More like a spirally cycle of bills to pay and pay day and the dreaded payday advance. It’s like spitting out a portion of your food every bite you take…or that you have to expend energy to take bites of the food that gives you energy. It’s like needing a job to pay for school to get you a better job. Everything is connected, and remember this in all the spinning of your wheels, as tired as you may be…loan

Our Society Is Set Up To Assist Those With Desire And Drive To Arrive.

Get a minimum wage job, and use that reference to get a better job. Use that better job to pay for college to get a better job. Use that better job to get a better job. Be a good adult…take care of –

Sounds like a lot of run around for some, and desiring a job is as far as some soul’s drive will take them.  To a job, because you know what…we all have to live somewhere, housed. Read this article about your options in that realm of society.

And you have to eat. So you will work for money to sleep somewhere and eat something.

Look up, though. Life is full of adventures and pleasures and enjoyment. Putting your head down to get through the typing of the same password…repeating your name, DOB, SSN…all that, (which you can protect for pennies a day — from theft, click here)…the repetitious accidental nature of our computerized, robotic, occasionally idiotic world…where you need to protect abstract information about yourself, or else…have really good luck…or deal.

Because people are going to live somewhere and eat, like an animal will. The spoon of it all is that we want those things as easily as possible, and our brains are designed to plan. Planning the quickest route from point A to point B is natural. Without a moral compass, you WOULD hurt other people in the process. And sometimes you can NOT want to hurt people – and totally ignore that you ARE. The moral compass is the spoon, out of sight and out mind.

Let there be out of sight out of mind…since the 13th century people have been saying this prase: “Out of Sight Out of Mind.” Although, then it would have been “out of sight out of minde.” There is no ‘e’….

You Can Try To Put “Bettering Your Own Life” Out of Sight Out Of Mind…loan

 At Least Keep Your Moral Compass In Sight

“There is no car…”

Okay, so there is no going?…way the heavens over there…for education. So here we are. Do a job and there is more Netflix, potato chips and water. Unpaid bills pile in the crannies of your house. You carry some around and think about opening it and set it down to raise some kids, see some friends, answer the creditors phone call. Your hotline bling-ed, and now that mail is out of sight out of mind.

A friend told me once her secret to living successfully in New York. Whenever she got sad or antsy or moody or missing home or missing her Mom…she did 1 thing off of her adult to do list. Just one thing, like mail that letter. Fill out that form. And before she knew it this vague cloud that attached itself to all the other emotional bits of her life would “POP” and her small actions a little at a time were enough to rain down benefits into her career, which benefited her personal life immensely. And this friend, she is all about people and she’s moody. So much so that it’s really shocking she’s handling all the red tape, unknowns, change, crowds, competition…She’s sensitive.

She didn’t stare at the hurt, her spoon. She bent herself. With that one hard thing, she built into a addicting habit.

Make An Adult To-Do-List…And Check Off One Thing At A Time…

At some point you will face $. Be ready.

Face Yourself, Bend Yourself

Like a ladder. The ladder isn’t really there. True. And you don’t really have to climb it. You might be full of dread. It’s okay, Robin…That’s the little Eeyore inside you. “POP.” There is no Eeyore.

But sure, we can create him with cotton stuffing, and he can mope ’round. Look in the spoon.loan

Like The Matrix (2009) and the spoon – “Do not try and bend the spoon. Instead only try and remember the truth. There is no spoon. Then you will see it is not the spoon that bends it is only yourself.”

“The oracle will see you now.”

What if you had the means TO DO the things things on the to-do list?

Click here for your payday loan, because it is not the world that bends itself but you who make it bend. 

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Clinton Just Proposed A Revolutionary Idea For Education

Posted by morecollegeoptions | Posted in Education | Posted on 07-07-2016

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Clinton, Hillary Not Bill, silly, felt the Bern, or at least his young voters…and their parents…and their parent’s parents…of the burden of tuition on working class families. We_Can_Do_It!

All of Bernie’s empowerment of the 99% has urged a compromise from the winning democratic candidate we might not have otherwise. Thanks, Bernie, for pushing the forward thinking more forward. Onward, and maybe upward?

Remember Rosie The Riveter? She was welding the nails of the jet which men (mostly) went off and fought for…for what was that?

Oh yes, for all of us to have good jobs, even children only their job is school…financial freedom, families and good schools. That’s what Rosie was doing – or how the idea of women working was propagandized during WWII.

As Part of Clinton’s Democratic Platform Anyone From A Family Making Less Than $85,000 a Year Can Attend College “Tuition-Free”

Or at least charged “debt-free tuition”, as the proposed alternative in the draft.

Your cry has been heard? How nice does that feel?!

Won’t count for a masters, though. And of course, it’s not guaranteed to happen.

The draft for the Democratic Platform for the 2016 election will be finalized July 8th or 9th. Here is the draft, click here for a pdf. 

While we are on Clinton’s Platform and Education…where DO her passions lie?

ClintonComputer Science Is Where It’s At For Clinton

“The world is changing,” Clinton began. “But our education system is lagging behind. Consider this: There are more than half a million open jobs that require computing skills across the country and in every major industry. But the majority of schools in the United States do not offer computer science. It isn’t just that there’s a shortage of computer science teachers, it’s that we haven’t made a commitment to do that. But I have. I’m going to prioritize; give our educators the time and the resources they need to learn how to integrate digital tools into the curriculum,”

You might need a job – right yesterday…and here are a few places that UNDER CLINTON’S PROPOSAL IN ACTION…you can be…

  • An Optometrist which can pay for their children’s tuition if they choose, because they make $129,000 in median income / year. Click here if you are interested in Optometry.
  • A Chiropractor which can have their child’s tuition paid for because their median income is $66,720. Click here if you are interested in being a Chiropractor. 
  • Being a Paramedic is less certain, but the BLS reports the median annual salary as $31,700 in 2014. The best-paid 10 percent in the profession made approximately $54,690, while the lowest-earning 10 percent made approximately $20,690. Nope, tuition-free hopefully. Take steps towards being a paramedic here. 
  • A truck drive is a good example of as much as  you could make and still have your children’s school scot-free:$73,000, according to ATA. The Labor Department pegs the median annual salary for all truck drivers at around $40,000. Click here for information in this direction. 

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Forbes Says Privacy Geared Phones Aren’t What’s Selling… You know what that means? Your phone l…

Posted by morecollegeoptions | Posted in Education | Posted on 07-07-2016

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Forbes Says Privacy Geared Phones Aren't What's Selling…

You know what that means? Your phone likely isn't secure.

Identity Theft Protection is pennies a day for peace of mind always, a quick catch in the event and restoring damage.

If the device itself isn't protecting you, find someone who will. You've come to the right place.

People aren’t buying privacy-focused smartphones

Court documents have revealed that demand for Silent Circle’s Blackphone was nowhere near expected.

The post Forbes Says Privacy Geared Phones Aren’t What’s Selling… You know what that means? Your phone l… appeared first on THE INCOME TAX PLANNING NETWORK.

Why Career Education Is Important For You

Posted by Willow Tufts | Posted in Education | Posted on 06-07-2016

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Not being in the right career for you can be incredibly disheartening. It can leave you feeling tired, lost, and generally unhappy. But that doesn’t need to be your reality! It’s important for you to know that you can be in a new and fulfilling career a lot sooner than you think!

An Education Can Be Priceless

The act of learning a new skill is always incredibly rewarding. But learning a new skill that brings you to the rest of your new and exciting future, is even more amazing! Going back to get further education can be both personally and financially scary, but there are options to help you get where you need to be to be successful in your new career education!

Road sign to  education and future career

A New Career Can Change Your Life

Staying in the same place without improving is something that many people do today. They are lead to believe that they could never achieve more than the place that they are in. But a new and exciting career can not only make you more money, but it can give you a new lease on life! Learning new skills and working on who you are as a person is something that everyone should get a chance to do.

 

Don’t Get Stuck In A Rut!career

So many people become content in where they are, when they could be much more happy and much more successful elsewhere. Don’t let that be you!

 

 

Changing your life with a new career education is much easier than you think. Especially with services like The Sub Prime Credit Store! The friendly and knowledgeable staff will help you find in-demand career opportunities, as well as educational training companies and financial aid resources to help pay for that training. Take the leap and advance your life!

 

 

 

 

 

 

Hop To Your Own ‘Better’ – In Business

Posted by morecollegeoptions | Posted in Education | Posted on 05-07-2016

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business

Fish in the bowl. Swimming, swimming automatically around… competing for food, hanging out in the places they like and just keep work, work, work, working. Right, right?

Hey, actually we are humans with a lot of tools at our disposal and we get the privilege of setting up our environment, and the responsibility of effecting it.

When you are tired of circling the bowl, start here. Start a business, using your talents WITH a great ‘why’. Listen to This ted talk by Simon Sinek about successful businesses, click here. 

“Know Thyself” – Socrates

Knowing Your Strengths and Communicate Them Clearly – Market That – Keep Track of Your Network – Keep Your Eye On The Ball – It’s A Slow Burn – Cover Your Bases

  1. List Capabilities

    1. Resume Style
      1. How To Structure A Resume? Don’t. Let a website do it for you. There are easy options. Like Google doc templates, or this thing:  Click here for an easy option. These days a social media presense is just as important as the hardcopy resume. 
      2. Journal Style
        1. Daydream about how your skills relate and imagine need ways to put them together.

 

  • Create A Visual Identity – Online presence 

  1. Images
    1. Canva.com
      1. Create better images than Clip art with lots of high quality free images (or upload your own) and a Paint Program like editing techniques. Grab the image and share it on your website, social media.
    2. Smugmug.com
      1. This is a photography portfolio, or perhaps a good place to store photos in the cloud, that you could url to potential clients or…”new friends”.
  2. Website Builder
    1. Wix.com
      1. best all around flexible site
      2. cannot change templates – choose wisely
    2. Squarespace.com
      1. best for design
      2. If you want a creative looking website, use this
      3. A little more expensive to pay for the extras
    3. Weebly.com
      1. Drag and drop
      2. Very basic desgin
      3. no time bomb on sites
      4. compatible with google analytics
      5. not for ecommerce needs
    4. Jimdo.com
      1. Update for $ to have a personal domain name
      2. Hundreds of templates AND customization options (especially if you know code)
      3. With SEO
      4. Very non-English friendly
      5. No drag and drop
    5. WordPress.com
      1. This site is a wordpress
      2. it’s the most popular
      3. tech support is easy to get
      4. SEO
    6. Shopify
      1. If you want to focus on eCommerce
      2. low credit card processing fee
  • Marketing – Tell People About It

    1. Keep “Networking Notes”, A “Leads” Chart, A Diary, A Spreadsheet, A google doc, an excel sheet
      1. Why? Knowing Who To Thank
        1. Remembering names
          1. How to win friends and influence people
        2. Remembering the substance
          1. What did you talk about?
      2. Why? Knowing Where To Head Next To Keep Your Business Steady.
  • Have Your Money Game On Pointbusiness

    1. How will you meet your budget?
      1. High Retainer, Less Clients?
      2. Lower Retainer, More Clients?
    2. What is your ideal budget?
      1. Read this article about the keys to Principle Approach to Budgeting. 
    3. Have a well-thought out pricing strategy for your good or service
  • Keep Your Eye On The Ball – Do Not Expect Quick Success When Starting Your Own Business

    1. Keep your day job, if needed for your bills. Do not count on income you have not earned yet!
    2. Put the habits in place and keep going
    3. Patience in networking is important, too. This article from Forbes had some good rules of thumb for us all, as humans not just networking.
      1. Don’t complain
      2. Don’t Interrupt
      3. Don’t Drink too much
      4. Don’t hard sell yourself
      5. Don’t talk about me-me-me.
    4. Process this well: You will do work you aren’t paid for
    5. Be patient
      1. Think long and hard about how you can rely on savings
      2. Budget and relax
      3. Hurry and busy are
  • Cover Your Bases

    1. Paperwork
      1. File for an LLC
        1. Read this great article for step by step instructions brought to you by Income Tax Planning 
      2. Use Contracts
        1. Insurance Thinking
        2. Prevent Legal Problems
  • If you don’t have your ‘why’ in order maybe you need some higher education to learn about a world in business you otherwise wouldn’t. Click here to pursue higher education WITH financial help. 

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