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Are You An Impulse Buyer?
Impulse buying is simply defined as making an unplanned purchase. This can be an extra pack of cookies when grocery shopping or buying a car on a whim. Most of us are guilty of this at one time or another. Even though the term is simple, it...
Christmas Gifts - Making Your Shopping Easier
Buying Christmas gifts can either be a pleasure or a pain and the deciding factor is often centred upon whether you know what to buy for your recipient, or whether you are simply wandering aimlessly in search of inspiration.
So to avoid the...
Financially Stable Kids Prepared for College
We are all familiar with the stories that most students have when they finally get through those last days of college. Their financial states are in ruins, with accumulated credit card debt along with the student loans. Grants and scholarships are...
Goals Only Work When You Do
Goal setting seems to be a perennially hot topic! Could it be that you hear and read about it so often because its a subject that is easy to know about and difficult to practice?
It would be very surprising to find an adult in the work force who...
Life insurance: why theres no need to be a desperate housewife.
Contemplating what may happen to your wife (or husband) and children if you die is not likely to be a thought you wish to contemplate. However, avoiding the issue may make life more difficult for your family after your death.
Life insurance...
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Need A Job?
Many of us could really use some extra income. We have enough
to pay our bills and put food on the table, but nothing extra.
You could always go to work for McDonalds or Walmart, but with
all of your responsibilities, is minimum wage worth it?
There is one occupation that can be found in every city and town
in the US large enough to have a bank. You may not notice them,
but they are there. I'm talking about Couriers.
Many businesses have shipments such as paperwork, checks, etc.
that need to get from one place to another quickly. A good
example of this is cancelled checks. Most banks need their bank
work picked up after business hours and other work returned
before they open the next day. UPS and FEDEX can't handle this.
This is where courier companies come in. They provide routes
that pickup and deliver 24 hours a day. Some have employees for
their routes but most use contract drivers. Contract drivers
provide the vehicle and driver to run a scheduled route and cost
the company less than employee drivers. A contract driver is
also responsible for all gas, maintenance and repairs of their
vehicle.
You usually don't receive company benefits like life and health
insurance, paid vacation and paid holidays, however, there are
several benefits to being a courier. You can normally expect to
receive between 35 and 40 cents per mile. This doesn't sound
like much but it adds up pretty fast. Even if you only run 100
miles per day, which only takes about 2 to 3 hours, you will
have a check between $175 and $200 per week. Of course your
expenses will have to be deducted from this. For a vehicle that
gets 20 mpg, at $1.50 per gallon, your gas will only run about
$37.50 per week.
The biggest advantage to being a courier is the huge tax
deduction. For the tax year 2002, you can deduct 36 1/2 cents
per mile for all business miles. If you
are making 35 cents per
miles, you will pay taxes on almost nothing. You don't even
have to itemize your deductions to claim this deduction. The
36 1/2 cents per mile is the standard deduction allowed by the
IRS which covers all of your vehicle expenses. You will receive
a 1099-misc form giving your total income for the year. You
will need to report that income on Schedule C - Profit or Loss
From Business. In addition, if you are away from home over 6
hours at a time, you can claim 50% of any meals while on the road.
The IRS requires that you keep track of your mileage and meals
each day. You can buy a small log book for this or use Budget
Stretcher's Vehicle Expense Log
http://www.homemoneyhelp. com/vel.html and Vehicle Expense
Summary http://www.homemoneyhelp. com/ves.html.
Usually the only requirements to be a courier is a drivers
license, a vehicle and a fairly clean driving record
(NO DUI/DWI). Since most couriers deliver/pickup a regular
route, most of the time you don't even have to have a good
knowledge of the area you will be driving. After two or three
days you will know your way around.
To find courier jobs in your area, check the classified ads
in your local newspaper under drivers or business opportunities.
You can also check with your bank or insurance agent to see if
they have a courier company providing service to them. Once
you have identified the courier companies that service your
area, a simple phone call will let you know if they have a
route that suits you.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.
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