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Category: General Article (page 1 of 7)

4 Keys To An Easy Budget

I spent a few minutes today flipping through the archives here, and found dozens of posts where either DK or I champion the merits of a well-planned (and followed) budget, but not a single post on how to write a budget.

Dave's Envelope System Explained | DaveRamsey.com

Egads! What have we (not) done?

Ok, I’m going to lay it down—a quick-and-dirty budget plan, how to create one, refine it, and make it work for you. First off, figure out how much you bring home every month. I’m talking minimum amount.  (Not the “in a good month” figure. I’m talking the bare-bones-taxes-paid-no-bonus-or-commission amount).   It’s way easier to figure out what to do with surplus than deficit, right?

Second, start subtracting big, fixed monthly items. Rent, auto payment, utilities, tithe or charitable donations, average or high phone bill estimates, debt payments, etc. Third, subtract the necessities in life (groceries, etc). Groceries, auto maintenance, cat license, that sort of thing. Use your last few months of bank statements to get an idea of what you spend in each category.

Ideally your income minus your expenses should equal zero. (Yeah, I know, you’d think that if your budget works, you’d have money left over, but that’s not how we roll when we’re trying to beat debt.) Fiddle and adjust until everything works out to equal zero by the end of each month.

Fourth, prioritize these items in a spending plan. Now that you know how much is needed for each item, work from the highest importance to the lowest, … Read More

Digital Marketing Tips For HVAC Services In Boston

An air conditioner or other home device can begin to have problems out of the blue with or without warning. The average homeowner may not know to do to fix the problem. To be honest, unless the homeowner is a licensed expert they most likely won’t know what to do. In many cases even if it’s something that appears small like an AC leak, the homeowner will feel the need to bring in a professional to look at the equipment. This is sensible, especially in situations where the equipment warranty could become void if someone other than an experienced mechanic works on it.

Boston MA Web Design + Digital Marketing Agency

Searching for a reliable HVAC service used to be done primarily via the yellow pages or the newspaper. And it’s still being these days by word of mouth. However, the most popular way between the last ten or 20 years has been through online searching. This change is caused by a lot of changes to take place among HVAC service shops. Many of whom did not know their way around internet marketing. So this became an issue for some HVAC shop owners. Today a good number of AC service shop owners not only have websites but websites that are highly optimized.

An SEO professional also understands that a local SEO setup is worth the time and effort. By using local advertising links and local social media venues the HVAC service will be seen on a greater scale by local folks.

Search Engine Optimization is a big deal … Read More

What Makes a Good Keynote Speaker?

Most great speakers did not become successful overnight. They had to go on a little journey consisting of failures and falls before they were able to actually work full time in their field. This may not be realized by new speakers that are just starting out. For a person to succeed at doing what they’ve always wanted to do takes patience.

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Pointers for New Keynote Speakers

Any seasoned keynote speaker that has been speaking for years will say this same thing. An open mind is another attribute that appears to be helpful. Being open to new ideas and new ways of doing things can only assist the situation. A few pointers to assist potential speakers are listed below:

  1. learn
  2. practice
  3. market
  4. network
  5. focus

Though an inspiring keynote speaker may think they do not need to learn anything else, there is always a little more to know. Sometimes it’s just small things, like the individual making the volume of his voice higher without sounding like he’s yelling. Or how to wake up and energize an audience that has been sitting for a while.

Or perhaps how to make the entire conversation seem more personable and why doing this would even matter. So the list goes on and on. In all actuality even a keynote speaker that is popular and making the big bucks can still afford new pointers! Which is why being open-minded is so very important, not just in this profession, but in any profession.

Practice never hurts. Practice can … Read More

How to show intraday gains and losses in ITR

Newcomers to the trading world don’t always know how to include gains and losses in their income tax calculations. It is even more difficult to report gains from intraday trading as they are not considered as capital gains. As a result, many taxpayers are fined for submitting the wrong income tax returns (ITR) form. Some are also fined for reporting under a wrong head. Let’s look at how exactly you should report your gains or losses from intraday trading in the ITR.

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All about intraday trading

A trading transaction completed within the period of a single business day is known as intraday trading. Here, the trader holds no positions at the close of the day. Instead, they try to profit from the price variations of a stock during one business day. To become a day trader, you will need to open a trading account with a reliable broker like Kotak Securities.

Income head for incorporating intraday trading gains 

Gains from intraday trading do not meet the minimum holding period of one day to qualify as capital gains. These gains are listed under business income and taxed as per the investor’s tax slab.

Such gains may also be classified as speculative income because there is no delivery of shares. The shares purchased in the morning are sold off by the evening.

Advantages and disadvantages of speculative income

Speculative income is filed under income from business. Any profit is added to the total tax payable by the individual in keeping with the … Read More

Do You Need Consultants In order To Set Up Business In Dubai?

Dubai is a huge market that offers great profit margins to its investors. In the last few years, dubai has made a space in the world financial circle. It is not only the financial capital of the middle east but it is also a melting pot of different cultures and traditions. People from different nationalities are setting up their businesses and taking part in the economies growth. As an aspiring businessman, do you really need a consultant to set up business in dubai?

The answer is yes, business setup in dubai needs some legal requirements that you need to fulfill before starting. No doubt investors are flocking towards dubai because of its amazing infrastructure and business-friendly policies. Foreign investment is the bread and butter of this emirate economy so the government has made laws that make the process of doing business super easy.  One more benefit to hiring business consultants in dubai is the updated information regarding new laws and regulations that can impact the business. These consultants can also give you the right advice about the business that you are planning to do in dubai. 

Free Trade Zones

Free zones are the areas where businessmen can set up their business and get various benefits like 100% ownership of their company. Any business registered under free zone doesn’t have to pay corporate tax at all and customers also trust these companies a lot when it comes to doing business with them. Companies are also exempted from import and export duties … Read More

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