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1099-MISC Forms For Independent Contractors for 2005
As we begin 2005, you're probably not thinking about taxes at
all. This is a mistake as deadlines are approaching for issuing
and filing 1099s to independent contractors.
What is a 1099 MISC?
Generally speaking, the IRS requires you to...
BUILDING A PRACTICE ON PURPOSE SERIES PART #2 - When Life Purpose is About More than What You Do
In our last installment of this series, I wrote:
"If you think your life purpose is "being a veterinarian (or any
other job, career, profession or primary role in life)" I invite
you to think again, because as we'll explore further in...
Business Name - How to Choose One
It's very important to get your business name right. You may already have a business name but it's not too late to change it. Let's face it; big organisations change their business and product names all the time. I named my business Fairweather...
Dealing with Change and Change Management
There is a lot of talk about "change" - how important it is, how
we should alter the way we do to things at work and in our
personal lives in order to be more effective. Sometimes we even
hear how it is essential to change even if just for...
How to Make a Joint Venture Successful
Question: What was your first successful JV, and what were the steps you took to make it successful? Hello. This is Valerie Vauthey speaking. I am the CEO & Founder of the fastest growing coaching company in North America and Europe:...
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Mutual Fund Expense Lies
MUTUAL FUND EXPENSE LIES When purchasing mutual funds we are cautioned to read the prospectus, look at past performance, check out the fund manager’s record and see what their expense ratios have been. We are also told that we should not buy funds with expenses exceeding 1% to 1.5%. When you ask the fund salesman (don’t forget he’s a salesman) he will assure you that the fund expenses are whatever is shown in the prospectus. He is telling you the truth, but not the whole truth, according the Securities and Exchange regulations. In many cases he has left out a big chuck of expenses. The 1.5% expense means you are paying $150 each year of every $10,000 you have invested with that fund. The lower the expense is the more of your money is at work. As a fund becomes larger meaning they take in more money the expense ratio should drop, but it rarely does.he fund manager must make 1.5% to have your money stay even. If you can find your way around the Securities and Exchange Commission internet web site you will find that the definition of expense ratio leaves out commission charges. Many funds will turn over their portfolio by 100% in a year. Obviously they are not going to buy and sell at no charge. The floor broker must be paid a commission for each share that is executed. Sometimes brokerage fees are purposely inflated and the broker kicks back favors(they don’t call it that) such as research information, free computers and other favors. Been to the Hampton’s or Hawaii for that all-expense weekend seminar? Course not. The SEC does not require that this commission cost be
disclosed as an expense. Why? Their answer is pure government hokum, “We exclude brokerage costs because we have always excluded brokerage costs”. This is the SEC that is supposed to be the watchdog for the investor. Leaving out this important fact will hide another .25 to .50 cents or more in some cases in expenses that you are paying for. When you call the fund to ask if their brokerage commissions are included the person to whom you are speaking probably won’t understand and will give you the standard answer that the number shown in the Prospectus is correct. Getting a true answer is like pulling an impacted wisdom tooth. If you can get one. Brokerage commissions are known to the penny and could easily be included in the prospectus, but these “soft dollars” as they are known are not made public to the investors seem to disappear. Fund managers say these costs are insignificant and that investors should look at the fund’s performance. If they did that and really understood what they were looking at they probably wouldn’t buy 90% of the domestic stock funds. This is just another example of how the investor has the wool pulled over his eyes and another reason I find prospectuses worthless.
About the Author
Al Thomas' best selling book, "If It Doesn't Go Up, Don't Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter and receive his market letter for 3 months at www.mutualfundmagic.com and discover why he's the man that Wall Street does not want you to know. Copyright 2005
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How To Conquer Public Speaking Fear |
A report that covers the common causes of public speaking fear and tips to overcome it. Book available. |
www.stresscure.com |
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Allyn and Bacon Public Speaking Website |
A five-step guide to preparing and delivering effective speeches. |
wps.ablongman.com |
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Public Speaking & Speech Writing |
A free guide to speech writing and delivery for every occasion. From best man speeches to eulogies. |
www.speechtips.com |
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Presentation Tips for Public Speaking |
Art of Public Speaking. Hints and tips on public speaking, ... On the Job: Public Speaking Tips - Twelve Steps to Great Presentations by Elise Bauer. ... |
www.aresearchguide.com |
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10 Tips for Successful Public Speaking - Toastmasters International |
10 Tips For Successful Public Speaking. Feeling some nervousness before giving a speech is natural and healthy. It shows you care about doing well. ... |
www.toastmasters.org |
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Welcome to Toastmasters International where we are"Making ... |
Non-profit organization developing public speaking and leadership skills through practice and feedback in local clubs since 1924. Members learn how to lead ... |
www.toastmasters.org |
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Strategies to Succeed in Public Speaking - School for Champions |
Contents of online lessons to succeed in public speaking from the School for Champions. |
www.school-for-champions.com |
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Public Speaking Home Page |
Humor and quotes to help your speech - or just for your own enjoyment. History / Careers The history of public speaking and potential career options for you ... |
www.mhhe.com |
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Public speaking - Wikipedia, the free encyclopedia |
Public speaking is speaking to a group of people in a structured, deliberate manner intended to ... Public speaking is almost as ancient as speech itself. ... |
en.wikipedia.org |
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UNIVERSITY OF TENNESSEE AT MARTIN COUNSELING AND CAREER SERVICES |
Public speaking anxiety is very common among both college students and the general ... The most common form of Social Phobia is public speaking anxiety. ... |
www.utm.edu |
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Painless Public Speaking |
At Painless Public Speaking we keep you up to date with what's new in the world of ... Painless Public Speaking is not about the theory but the "how-to" ... |
www.publicspeaking.com.au |
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Public Speaking from Uncommon Knowledge |
Public speaking couldn’t be further from your mind and your manager tells you have to do a presentation to fifty colleagues next week. What’s your response? ... |
www.uncommon-knowledge.co.uk |
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Public Speaking Tips by Uncommon Knowledge |
It’s possible for public speaking to be fun and hugely satisfying. Once you’ve enjoyed a presentation, or even part of it, your self confidence will get a ... |
www.uncommon-knowledge.co.uk |
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Public Speaking Skills from Mind Tools - Speaking Tips & Techniques |
Learn to speak and present clearly and effectively. Improve your speaking skills with this Mind Tools guide to speaking effectively in public. |
www.mindtools.com |
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Public Speaking Information |
Advanced Public Speaking Institute- -More than 120 mini articles on professional level ... Click here for additional articles on Public Speaking Information ... |
www.selfgrowth.com |
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Basic Public Speaking, 2nd Edition - The Teachers and Students ... |
New public speaking text for middle and high school Language Arts, ESL teachers and students. Written by a trained counselor and experienced teacher. |
www.capital.net |
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public speaking tips - presentation skills tips, public speaking tips |
presentation skills & public speaking monthly tips by Lenny Laskowski, Professional Speaker. |
www.ljlseminars.com |
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Public Speaking - The Art of Speech Making |
Public Speaking - Hints and tips on Public Speaking Skills, dealing with public speaking nerves and anxiety, public speaking skills and public speaking ... |
www.impactfactory.com |
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Advanced Public Speaking Institute |
Public speaking articles, seminars, and educational materials. |
www.public-speaking.org |
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Public Speaking Training-Presentation Skills & Public Speaking courses |
Public speaking training - Overcome your fear of public speaking with our presentation skills classes. We offer presentation skills training seminars, ... |
www.publicspeakingskills.com |
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