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New medicine approved by FDA to treat type 2 diabetes

(ARA) – Diabetes (both type 1 and type 2) affects approximately 25.8 million Americans and an estimated 220 million people worldwide. Type 2 diabetes is the most common type, accounting for an estimated 90 to 95 percent of diabetes cases. Diabetes is a chronic disease that occurs when the body either does not properly produce, or use, the hormone insulin.

Now there is good news for people with type 2 diabetes. Boehringer Ingelheim Pharmaceuticals, Inc. and Eli Lilly and Company announced the U.S. Food and Drug Administration (FDA) recently approved TRADJENTA(TM) (linagliptin) tablets, a new prescription medication used along with diet and exercise, to lower blood sugar in adults with type 2 diabetes.

TRADJENTA (pronounced TRAD gen ta) can be used alone or with other commonly used medications for type 2 diabetes – metformin, sulfonylurea or pioglitazone. TRADJENTA lowered hemoglobin A1C (HbA1C or A1C) levels up to 0.7 percent (compared to placebo) in clinical trials.

A1C is measured in people with diabetes to provide an index of blood sugar control for the previous two to three months.

TRADJENTA should not be used in patients with type 1 diabetes or for the treatment of diabetic ketoacidosis (increased ketones in the blood or urine). It has not been studied in combination with insulin.

“Many people with type 2 diabetes are not able to control their blood sugar with diet and exercise alone and may also require one or more medications,” says Dr. John Gerich, professor of medicine, at the University of Rochester School of Medicine. “The FDA approval of TRADJENTA is exciting because there is only one dose to remember for patients, regardless of kidney or liver impairment. With TRADJENTA, physicians will have another option for managing type 2 diabetes, a potentially devastating condition.”

TRADJENTA is a tablet that can be taken once a day, with or without food. It lowers blood sugar by increasing incretin levels, which increase insulin levels after meals and throughout the day.

It was approved based on a clinical trial program which included approximately 4,000 adults with type 2 diabetes. Included in the program were placebo-controlled studies evaluating TRADJENTA alone and with other commonly-used medications for type 2 diabetes.

TRADJENTA lowered fasting plasma glucose (FPG) compared to placebo, when used as monotherapy and in combination with metformin, sulfonylurea or pioglitazone. FPG is used to determine glucose levels in a fasting state, usually upon waking up in the morning.

It also lowered two-hour post-prandial glucose (PPG) levels compared with placebo as monotherapy and when used in combination with metformin. PPG is used to determine glucose levels after meals, usually two hours after eating.

To learn more about TRADJENTA and for full prescribing information visit: www.TRADJENTA.com or call Boehringer Ingelheim Pharmaceuticals, Inc. at (800) 542-6257.

Please report any unexpected effects or product problems to the Boehringer Ingelheim Drug Information Unit by calling (800) 542-6257.

What is TRADJENTA?

TRADJENTA is a prescription medicine that is used along with diet and exercise to lower blood sugar in adults with type 2 diabetes. TRADJENTA is not for people with type 1 diabetes or for people with diabetic ketoacidosis (increased ketones in the blood or urine).

It is not known if TRADJENTA(TM) (linagliptin) tablets is safe and effective when used with insulin.

Important Safety Information

Who should not take TRADJENTA?
Do not take TRADJENTA if you are allergic to linagliptin or any of the ingredients in TRADJENTA.

Symptoms of a serious allergic reaction to TRADJENTA are rash, raised red patches on your skin (hives), swelling of your face, lips, and throat that may cause difficulty breathing or swallowing. If you have any symptoms of a serious allergic reaction, stop taking TRADJENTA and call your doctor right away.

What should I tell my doctor before taking TRADJENTA?
Tell your doctor about all the medicines you take, including prescription and non-prescription medicines, vitamins, and herbal supplements.

Tell your doctor if you take other medicines that can lower your blood sugar, such as a sulfonylurea or insulin. If you take TRADJENTA with another medicine that can cause low blood sugar (hypoglycemia), such as a sulfonylurea or insulin, your risk of getting low blood sugar is higher. The dose of your sulfonylurea medicine or insulin may need to be lowered while you take TRADJENTA. Signs and symptoms of low blood sugar may include headache, drowsiness, weakness, dizziness, confusion, irritability, hunger, fast heart beat, sweating, or feeling jittery.

Also tell your doctor if you take rifampin (Rifadin(R), Rimactane(R), Rifater(R), Rifamate(R)), an antibiotic that is used to treat tuberculosis.

TRADJENTA may affect the way other medicines work, and other medicines may affect how TRADJENTA works.

Tell your doctor if you are pregnant or planning to become pregnant or are breastfeeding or plan to breastfeed.

What are the possible side effects of TRADJENTA?
The most common side effects of TRADJENTA include stuffy or runny nose and sore throat.

You are encouraged to report negative side effects of prescription drugs to the FDA.  Visit www.fda.gov/medwatch or call (800) FDA-1088.

NEWS FROM TOOLS-AND-THINGS .COM, Please Note
Do to tornados on April 16th 2011 we have a waiting list for furniture repairs and finishing, so please call (919-803-4425 for more detailed information on how long the list is or growing.
We repair and refinish furniture here in our small shop in west Raleigh NC, and I’ve been involved in working for over 25 years. We have never tried to get too big to do a good job for our customers. We ‘ve only posted one ad to promote the business in 14 years, most our business is word-of-mouth. We stay busy and we never take on more than we can handle. I work mostly a one man operation, with two part-time helpers.

We repair and refinish almost any kind of furniture, from wood to metal and modern to antique. We take our work very serious and aim for customer satifaction.
We repair tables, chair, beds and headboards, damaged by water or pet. Broken spindles,regluing joints, dowels, inside outside furniture, restoration of modern and antiques. We also strip off old finish for all natural look, fill and sand, polish and buff, hand strip and chemical strip, specialty paint finishes, hardware restoration. All types of top coats: Varnish, Lacquers, polys, shelac, oils, waxes, paints, stains.
We can get the job done and satisfy our customers at a great price! If you live in or arround Raleigh NC we can help you. including Cary NC, Apex NC, Garner NC, Holly Springs NC, Clayton NC, Fuquay-Varina NC and area’s within reasonable driving range.
BIRDHOUSES, FEEDERS, YARD DECOR & OUTSIDE FURNITURE.

All our birdhouses, bird-feeders and butterfly houses come with a 30 days return policy.

We are always adding new products so feel free to check back often. We want to make you a lifetime customer by giving you the best in products and services. We ship most orders 24-48 hrs if in stock items and after customer’s payment has processed.

Do to high gas prices, higher shipping rate and increases in shipping supplies, we try to ship the most economical way. Please call if you need to order or get more information on a product or service:919-324-8905

Please Note: That these handcrafted items are not massed produced they are handmade, one at a time, in our small shop here in Raleigh NC. Our wooden birdhouses and bird feeders are made from the very best woods and plywoods that can be used for outside products. We use waterproof glues and sealers to make sure our handi-crafts stay together in wet and harsh weather.

Our metal top bird houses and birdfeeders have extra thick and insulated tops to help from over heating. We use only woods that hold-up year round and is harmless to human and animals. We do use presure treated lumber for planters, garden art, and some pic-nic tables and they are all sealed or painted to prevent contact.

Do to the tornados in April this year we are still cleaning, repairing and rebuilding from the damage, untill we are completely finished with rebuilding we won’t add any more pictures of our new products, but feel free to call and inquire about our products and services. We only make our blue bird houses in the Fall Season at this time, do to early nesting of bluebirds in North Carolina in Spring.

At peak times (April-July, we may get orders that leave us temporary out of stock or I may have discontinued an item before taking it off our website. In this case call me. Please allow 2-3 weeks for your order to be filled and shipped if the products you order is out-of-stock..Look For Our New Bluebird Design Comming This Fall!

We invite you to shop our online store and our retail business with confidence. We adhere to a strict privacy that means your information will not be shared, sold. or otherwise distributed

Free Appliance and Electronics pick-up for recycling, Stoves, Dryers, Heaters, Freezers, Refrigerators, Computers, Washers, Radios, TVs, Tools, Metal Furniture and other appliances that you are trashing or nedd recycling. We pick-up free and disasemble and properly recycle all parts.
We pick-up in Raleigh, Cary, Garner, Holly Springs and some outside surrouning areas. If you have these items to be removed and it is out of our pick-up area you may still call us and we may be able to remove the item or find someone else to pick-up item. Please do not set your item out untill you have got a confirmation of pick-up form us. Do to high gas prices you must set-up a time for us to pick-up these items and confirm your address and what is to be picked up.

We also have these items checked for salvaging or repair, if repaired we give to persons free, or charge for repair cost and parts if needed only. We do not repair these appliances ourselves and not in the repair business, but we will try to salvage and donate appliances if repairs is not costly and is worth the effort and not just a delay to end up in landfills. Call 919-324-8905 OR 919-803-4425
If no answer please leave voice mail and someone will contact you and set-up a time to remove your items at your convenience. Thank you; Tools-and-Things

The national lighting design competition, Lighting for Tomorrow, hosted by the Consortium for Energy Efficiency and the American Lighting Association will feature guest judge, Chad Ray, owner of Zebulon based multitude of sustainable companies, Shields of Green (

http://www.shieldsofgreen.com).

Chad Ray is co-owner of the Shields of Green companies (
http://www.shieldsofgreen.com), a multigenerational and family owned multitude of companies all focused on sustainability, energy conservation, and stewardship. The Shields of Green companies include Ray Family Farms, a Bunn, NC based organic farm, Olde Heritage Builders, a Zebulon based Green home building company, Build Trust Contractors, a group of sustainable construction experts, Energy Savers of NC, a residential energy auditing company, and many more. In addition, Chad Ray, known as “the green building guy”, is a Green consultant with years of experience as a speaker and advisor on sustainability efforts throughout the building process.

Ray has been invited to judge this year’s national lighting design competition, Lighting for Tomorrow. The efforts of the Lighting for Tomorrow Competition are to advance the energy –efficient lighting industry and encourage innovation in the new use of light sources. This competition is backed by about two dozen energy efficiency organizations from the US and Canada who have pledged over $150,000 to help fund this national competition.

This year, Lighting for Tomorrow is designated into two specific categories, lighting control devices and solid state lighting fixtures and replacement lamps. The lighting control category will be judging the products based on functionality, ease of use and installation, innovation and ability to work with other systems and existing lights. These specific lighting control devices must be compatible with both LED and florescent technologies.

The solid state lighting competition division is in its fifth year, and will feature designs judged on the basis of performance, style and energy efficiency of the lights. This competition is open to a very broad range of residential lighting applications and fixture types as well as replacement lamps.

The Lighting for Tomorrow winners will be announced at the American Lighting Association Conference in Palm Beach, Florida from September 11th-13th. Winners will be promoted by energy efficiency programs across the US and Canada.

For more information about Lighting for Tomorrow, visit
http://www.lightingfortomorrow.com. For more information about Shields of Green, visit
http://www.shieldsofgreen.com
SOURCE:WidePR.com

Free business listing in two of North Carolina’s top Business Directories, add your business and website: Garner NC City Guide

Wake County NC Business Directory and Resources

Make a splash – how you can attract new birds to your yard this summer


(ARA) – When summer really heats up, there is nothing more refreshing than drinking a tall glass of ice water, taking a quick dip in the pool, or running through the backyard sprinkler with the kids. But what many people do not realize is clean, fresh water is as important to birds and other wildlife as it is for humans. Not only that, but birds actually enjoy splashing around and frolicking in the water just like we do.

With this in mind, create an inviting habitat for feathered friends right in your backyard or on your patio or balcony. It is easier than it seems, and there is no need for a big backyard to do it. Just providing the basic elements birds enjoy will establish your setting as a wildlife habitat. Water is one of the important resources birds need, along with food, shelter and a place to nest or raise young. For a quick and easy bird-friendly habitat, simply put out a bird feeder, hang a bird house, provide some nesting materials, and set up a watering place to drink and splash.

“Water is one of the most frequently overlooked resources we can add to our backyard to attract more birds and other wildlife,” says John Robinson, chief ornithologist at Scotts. “Every year, I am astonished by the new species that appear in backyards when owners are willing to share this simple yet critical resource with their feathered friends.”

Providing a source of water need not be a big endeavor. Water can be provided using a mister, slow drip, saucer, bird bath or pond. Below are some simple ways to incorporate water into your backyard.

Bird baths and saucers:
Water in a saucer or bird bath will quickly and easily give area birds the water they need, even when placed on a balcony or patio. Stones with depressions that collect water will also help attract small birds and butterflies. Keep in mind you may need to change the water and clean the bird bath every few days to keep it fresh. In hot weather, it may even be necessary to refill the container every day.

Drippers:
A great way to attract birds and other creatures to the backyard is to add a water drip feature to the bird bath. Because of birds’ heightened senses of hearing and sight, drippers are inviting. Create a drip feature by hanging a bucket or plastic milk jug with a tiny hole over the bird bath so water drips down into the bath slowly throughout the day. Or, hook up a garden hose to a specially designed drip tube you can purchase at local hardware stores or garden centers.

Misters:
Another water feature gardeners often employ is a mister. A mister hooks to a garden hose and sprays a gentle mist over a garden or bird bath. Humans enjoy being cooled off by misters at amusement parks, and plants enjoy the refreshing spray of moisture, too. Birds enjoy frequenting misters to cool down and pollinators, like butterflies and bees, enjoy areas being misted because of the tiny water droplets the mist leaves on flowers. Misters can generally be found at local hardware store and garden centers.

Ponds:
Whether large and elaborate or small and quaint, a backyard pond is guaranteed to attract birds and other wildlife. Most ponds found in urban or rural backyards are on the small side, most no larger than 3 to 4 feet in diameter. Ponds with a fountain are best because the sight and sound of splashing water will attract visitors, and moving water is less likely to become a breeding ground for mosquitoes or other insects. The addition of logs, rocks and other in-water structures provide a drinking and basking habitat for songbirds, as well as other wildlife such as turtles and butterflies. Aquatic snails or tadpoles are fun and natural ways to limit the growth of algae in the pond, and add an interesting element for kids to watch and enjoy.

This summer, when planning the water fun for the kids, don’t forget the birds. Water is very effective in drawing birds and wildlife to your backyard and is also a relaxing, scenic addition that can provide interest and enjoyment for the whole family. With the addition of a simple water source, you never know who may stop by your backyard habitat for a quick swim or a refreshing drink.

Wooden Birdhouses and bird feeders made here in Raleigh NC

Free business listing Wake County NC

Tips for making your home office comfortable and functional

(ARA) – When you start a home business, you will probably set aside one room or area of your house to be your office. This is the place where you’ll handle general business, customer relations, shipping and delivery of products and services, payroll and many other details that pertain to your company.

Of course, this room is also in your house, so you want to make sure it looks good in case you have customers stop by, or if friends or relatives stay over.

Setting up your office so that it is functional and looks nice is important, but because you’ll be spending a lot of time in there, you should make it comfortable as well. Here are some tips on how to make your home office functional, yet fun and stylish.

* If you have young children at home, designating your office separate from the rest of your house with a closed door, or a standing partition, can help your children learn that you are “at work” and not to be disturbed unless they have an emergency. If you plan to use your office space for family business as well after work hours are over, consider making a sign indicating you are busy working to hang on the door or partition.

* Your desk probably will be where you spend the majority of time in your home office, which means you need it to match your style perfectly. Your office chair needs to be comfortable, but you also want it to match the decor as well. You can choose a HON Volt or HON Ignition chair, picking from over 30 different fabrics and colors, allowing you to match your decorating scheme and comfort levels. Visit www.officedepot.com/customdesign to see how a HON chair can enhance your home office space.

* Decorate your office in colors and materials that will help keep you operating efficiently, but also allow you to enjoy the time you spend working. For example, yellow is considered to be a stimulating color, orange encourages creativity and green provides a calming influence. Depending on the energy level you would like to have in your office, consider using file folders, binders, pictures and wall paint to bring colors into your office that would enhance your professional emotions and behaviors.

* Keeping your home office picked up is key, especially if you pace while talking on the phone or while brainstorming a business idea. Make sure all your electronic cords are bundled and tucked away under your desk so you aren’t tripping over them while chatting with a client on the phone.

* Get organized with a cubby hole or filing drawer system, which will help keep the paperwork off your home office desk area and also help you find filed information quickly and easily if you were to have a customer catch you by surprise on the phone. These items are available at office supplies store such as Office Depot.

As you get your company up and running in your home office, don’t forget to add little personal touches to make it feel even more comfortable. After all, you might be spending a lot of time in your office, so there’s nothing wrong with having inspirational photos or a desk plant or two to provide you with the pleasant atmosphere you need to get your work done.

Free Business Listing For Wake County NC BusinessesMade to last wooden birdhouses and bird-feeders, made in Raleigh NC, USA.

Website or Call 919-324-8905 or 919-803-4425

Five steps to take when considering a career change

(ARA) – Is this the right time for you to follow your passion or to reinvent yourself and make a career change? If so, make sure you can put your finger on what you want, so that you can sell yourself to prospective employers.

Carole Redden, director of career services at Brown Mackie College – Phoenix, offers five career-change tips.

Network with a mission
Networking is vital to reinventing yourself or making a career move, but according to Redden, it should be done strategically and often. “You cannot wait for the job of your dreams to come to you,” says Redden. “There are people who attend networking events and do not maximize the number of people they talk to, or do not ask the right questions. If you are looking for a job, you must have a plan.”

Establish your targets before attending networking events and job fairs, and keep the conversation brief and to the point. Develop a relationship with employer representatives you chat with and remember, it’s not just about what you can get from them, but what they can gather from you. It’s a two-way exchange of information. To learn more about networking strategies read “Never Eat Alone,” where author Keith Ferrazzi contends that you’ll be more successful if you take the relationship-building approach. “You should circulate and make multiple new contacts at these events,” Redden says. Those who are unsure about how to network should think of it as “purposeful and engaging communication.”

Most people have more of a network of friends, family, former coworkers and other connections than they realize. It’s important to share your plans with them and ask for help. “If you don’t already have a network, try volunteering or going back to school – both are great ways to meet new people,” Redden adds.

Examine your skills and resources
You don’t have to be stuck in a job. Be proactive. Do a personal assessment and ask yourself: What background, skills and experience can I offer an employer? “If you’ve been in a job for 20 years, ask yourself, ‘What do I really want to do for a living?’,” says Redden. “Make some changes and some tough decisions. It may not be easy, but it’s worth it. Job seeking takes patience.”

Update your credentials
Many jobs require additional education or training. Take classes at local college, or a community or education center. Some nonprofit organizations offer free or low-cost training. If required, obtain certification for your chosen field. “Once you have a developed your ‘brand,’ you’ve got to make yourself more marketable than the next person,” says Redden.

Pursue your passion/your goal
A career is more than a job; for some it’s also a passion, and the career path chosen will require some work. “Some people get so caught up in life pleasing others and forget they have the option to do what makes them happy,” says Redden. If you are out of work, be more diligent. Until you get to where you want to go, you should be willing to work harder in pursuing your passion. The practice of reinvention takes effort. For people who like delivering babies, they are happy when they go to work every morning because they have a passion for what they do.

Volunteer with nonprofits
Use your weekends to volunteer. “This is an opportunity to support those nonprofits that could benefit from your experience,” says Redden. With reinvention, you can still give back and offer to help those who are less fortunate. You will gain valuable work experience in your career of choice.

You can take the Myers-Briggs professional or similar assessments offered by many college career and employment counselors to measure competencies and areas of interest. “If you want a life change, then it’s up to you to do something about it,” says Redden. Be realistic about your strengths, skills and resources. Within reason and with passion, reinventing yourself is possible.

Wooden Birdhouses Made In Raleigh NC

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Originally submitted at Staples

Ten 2" x 3 1/2" cards on an 8 1/2" x 11" sheet; 200 cards per pack High quality, heavyweight cardstock White Clean Edge cardstock has a special coating on both sides for sharper text and vibrant colors Easy to use with Avery® templates and software. See package for details Guara…


This product works for me

By Sadac from Raleigh NC on 6/22/2010

 

4out of 5

Pros: Easy To Install, Doesn’t Smear, Good Value, Easy to Use

Cons: None

Best Uses: High Volume Printing, Price Tags

Occupation:: Business Owner

Describe Yourself: Value Oriented

Primary use: Business

Very easy to print with on both laser and ink-jet
I printed business cards and price tags.They worked great, I will buy these cards again.Avery clean edge laser business card white 2″X 3 1/2″

(legalese)

DANA POINT, CA, February 24, 2011 /24-7PressRelease/ — Bolt Public Relations, a division of Bolt Enterprises, Inc., an Orange County, Calif.-based public relations, events and digital media agency, is pleased to announce the expansion of its operations into Raleigh, N.C. As part of the expansion, Bolt welcomes senior public relations executive, Jo-Anne Chase, as its vice president of the eastern region.
“Jo-Anne brings a wealth of experience and savvy to our team, while also bringing the opportunity to open the doors to our newest location on the East Coast,” said Caroline Callaway, president, Bolt Enterprises, Inc. “We look forward to delivering expanded physical reach and added knowledge and experience to small businesses and non-profits throughout the country.”
Both Callaway and Chase graduated from North Carolina State University in Raleigh with degrees in communication.

Chase most recently served as account supervisor at French/West/Vaughan, a Raleigh-based public relations agency, where she was responsible for the development and execution of national campaigns. Her work has earned national recognition in the PR industry, including two Bronze Anvil Awards from the Public Relations Society of America, two finalist recognitions for The Holmes Report’s SABRE Awards, and numerous honors from North Carolina and Raleigh public relations societies.

Callaway founded Bolt Public Relations in January 2007 specifically to serve small
Read More
Source:24-7 Press Release

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Expert Tax Tips For Saving Time And Money

2011 Tax Tips

(NAPSI)—Although you have a few extra days to file this year’s tax return, experts encourage you to file sooner rather than later. Whether you’re getting a refund or owe taxes, there’s incentive for everyone to file now.

“Taxes are an important part of your personal finances and rushing could cost you a lot of money this year and in the long run,” says Jessi Dolmage, spokesperson for TaxACT. “Luckily, you don’t have to go it alone and doing your taxes doesn’t have to be painful. Today’s solutions make tax preparation and filing easy for everyone.”

Dolmage shared her top tax tips:

1. Get organized. Put all your W-2s, 1099s and other tax documents in one place. Have last year’s return handy as well for comparison and your AGI that can be used for e-filing.

2. Double-check your data. The IRS rejects millions of returns each year because of very minor errors involving transposed characters and incorrect math or filing status. Verify names, addresses and birth dates. Be sure you’re using Social Security numbers as they appear on the cards. Using import features offered by software or an online solution can help decrease these errors.

3. Choose smart. Not all tax preparation solutions are created equal, especially free ones. Many free solutions exclude forms for complex returns with itemized deductions, investment income, and capital gains and losses. Others provide minimal help and tools. TaxACT Free Federal Edition includes all the forms you need to e-file, unlimited e-mail help, maximum refund and accuracy guarantees and the ability to import last year’s tax data from PDFs prepared by 11 solutions- all free.

4. E-file. Nearly 70 percent of taxpayers e-filed their federal returns last year. Unlike paper filers, you’ll know when the IRS accepted or rejected your return within 48 hours. Combined with direct deposit, you can have your refund in as few as eight days. If you owe, e-file now and pay later via credit or debit card or a scheduled automatic withdrawal any- time before or on April 18.

5. Save time on your state return. The solution you use for your federal return likely offers a state solution, so let the software transfer your information to state forms to save time and reduce possible data entry errors. Most state returns are due April 18 but a few states did not change their deadlines. Even if your state changed the filing date, it may not have changed estimated tax payment dates.

6. An extension to file does not mean more time to pay. Get an automatic six-month filing extension by filing Form 4868, free, with TaxACT Free Federal Edition and pay as much as possible by April 18 to minimize interest and penalties. When you’re ready to file, log back into TaxACT to prepare, print and e-file your federal return free before October 17, 2011.

7. Plan ahead. Adjust your withholding via Form W-4 if needed, and take advantage of the tips and tools your tax preparation solution offers for minimizing next year’s taxes. Finally, save a printed copy of your return with all of this year’s tax documents.

For more tax tips and information, visit www.IRS.gov and www.taxact.com. TaxACT Free Federal Edition allows everyone to prepare, print and e-file a federal return free.

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How To Save Money On Your Taxes

Free tax preparation from volunteers

(NAPSI)—You may be able to save money on your taxes this year. According to the IRS, 60 percent of taxpayers are using a paid tax preparer but may qualify for other options.

If you earn less than $49,000 a year, you can get free tax preparation services from a volunteer tax preparer at any of the hundreds of Volunteer Income Tax Assistance (VITA) sites around the country. These sites are run by nonprofit organizations, such as United Way, and supported in part by Bank of America.

Over the last several years, the bank has invested $4.5 million to support and expand these volunteer-assisted free tax preparation efforts. It also encourages its employees to volunteer at sites, preparing taxes or delivering financial education that aids consumers with issues that are a struggle today—like building emergency savings or understanding and managing credit. It’s part of the bank’s ongoing efforts to help working individuals, families and communities achieve greater financial stability.

Qualifying for Tax Credits

The Earned Income Tax Credit (EITC) is a refundable federal income tax credit for low- to moderate-income working individuals and families. When the credit exceeds the amount of taxes owed, it results in a tax refund to those who qualify for and claim the credit.

Multiplying Dollars in the Community

The tax credit not only benefits the families that claim it, but their communities as well. Research conducted by the Brookings Institution shows that EITC dollars stimulate state and local economies through a “multiplier” effect. Every $1 in returned taxes to taxpayers generates $1.50 locally.

To encourage that kind of economic improvement, the bank helped launch United Way’s national financial stability work, including its efforts to expand EITC outreach, free-tax preparation and One Stop Financial Stability Centers.

These programs have returned almost $2 billion in total tax refunds to lower-income working families, who use those dollars to purchase necessities such as food, clothing and utilities. These expenditures fuel the local economy, benefiting both the families that get the refunds and the communities in which they live.

More Help

If you earn more than $49,000 but less than $57,000 annually, you can still file your federal and state taxes free. Dial 2-1-1 to locate a VITA site near you or visit http://liveunited.org/FreeTaxPrep.

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Turn your hobby into a small business

Turn your hobby into a small business

(ARA) – Have you ever dreamed of getting paid for something you love to do? Like turning those cookies that your friends rave about into a cookie store? Expanding the sales of the jewelry that you make for the local arts and crafts fair to others? Selling used golf equipment that you clean and fix up on eBay? Or getting paid to help people install and maintain their complicated home electronics?

Each year, thousands of Americans take the leap and start a business, leveraging their expertise and passion for a particular interest or hobby. In fact, more than 600,000 new businesses are launched every year in the United States, according to the U.S. Small Business Administration.

If you’re ready to turn your hobby into a business, it’s essential, according to FindLaw.com, the world’s leading online source for legal information, to do your research, build a business plan, tap the expertise of outside professionals such as an accountant and attorney, and keep good records to avoid the ire of the Internal Revenue Service. Through careful research and planning, you’ll discover what the potential is for your business idea, and what pitfalls to avoid that may otherwise derail you from realizing your dream.

Here are some tips for turning your hobby into a business from FindLaw.com:

Research your idea. The very first step in turning your hobby into a business is to find out who will buy your product or service, how much they’re willing to pay for it, how many of these people there are, and where they’re located. It’s critical to understand your “topline” – the sales potential for your product or service.

Get free help. Trial and error is an essential part of the entrepreneurial experience. But making big, costly mistakes that have the potential of killing your business is something to be avoided. Tapping the experience of seasoned business professionals can help you avoid such mistakes, and provide you perspective in times of great stress. One piece of advice: find a mentor. If you’re not comfortable finding one yourself, check out the Small Business Administration’s SCORE program, a 12,000-strong, nationwide group of retired executives who volunteer their expertise to help small business owners grow and succeed.

Write a business plan. Put your ideas on paper to test their viability and improve your chances for success. A business plan is a very useful tool – it gives you and others, such as your accountant, banker or attorney, a clear idea of your goals, the processes you’ll implement to achieve those goals and how you’ll measure your success.

Have a clear plan for funding. Whether you’re financing your efforts out of your own pocket, or require capital from others to expand, you need to know where your start-up capital will come from (if you need it), whether you will be servicing a debt and what resources you can call upon in the future. Many entrepreneurs start with friends, family and people in their community to fund their initial efforts.

Know how you’re going to bring in revenue. What you make, after all of your expenses and taxes have been paid, is your profit. It’s the ultimate measure of your business’ success. Before you decide to start a business, you need to project whether the revenues (sales of your product or services) will exceed your expenses. This will give you a clear idea of whether you should consider turning your hobby into a business.

Set up your business structure. Contact an attorney who specializes in working with small businesses to get advice on the proper legal structure under which you should incorporate your business, or first visit FindLaw.com’s Do-It-Yourself Legal Forms to learn more about how to incorporate your business. Incorporating your business can help protect your personal assets from liabilities like creditors or lawsuits.

Make it real. One of the advantages of starting a small business is that you can deduct losses such as your expenses and depreciation on assets you purchase – to offset taxable income. It’s best to consult an accountant who specializes in small business to obtain advice on preventative measures you can take to avoid being audited. Some basic steps to take to clearly demonstrate you’re in business, versus treating your efforts as a hobby, are to obtain federal and state tax identification numbers, print up business cards and letterhead, maintain a set of books to record sales and expenses, set up a separate bank account for your business and keep a logbook in your vehicle to record mileage.

Get the proper licenses and permits. Depending upon the type of business you start, you may need to get a permit(s) or occupational license from your city or state. Many cities and counties require every business – even single-owner, home-based operations – to get a business license (tax registration certificate). You also may have to get a sales tax permit from your state.

Protect your idea. In the course of pursuing your hobby, you may create a new process for doing something, a product or a creative brand name. If you think it has any potential, run – don’t walk – to an attorney who specializes in intellectual property to seek a trademark or patent on your idea. Be very cautious about sharing your idea with anyone, who, in the future, could claim that he or she helped you with developing that idea and therefore deserves a cut of your revenues.

Invest in a website. If you want people to know about your new business, you must have a website. Most people now immediately turn to the Internet to find products and services to meet their needs, as well as to find information such as directions and contact information. Nearly equally as important, invest time to set up a Facebook and LinkedIn page for your business, advertise your services online through Google, and consider banner ads on other websites.

Create a workspace. What are the space needs for your new business? Do you require storage space? Industrial strength refrigeration? Extra power? Two sewing machines? A quiet place to make uninterrupted phone calls? According to the Small Business Administration, more than half of America’s small businesses are operated from a home, which offers important tax advantages. However, it’s important to carefully follow IRS rules and clearly designate space for your business from personal space.

To learn more about how to start a new business, visit FindLaw.com.

Got a craft business idea you think could earn you extra income? Read how other craft artists have profited from James Dillehay’s craft business guides…..

“We couldn’t have imagined how much of an impact James Dillehay’s advice would make on our business. We thought after perfecting our product everything would just fall into place, but it didn’t until we started working with his suggestions. To our delight we are seeing results on a faster and larger scale than we expected in such a short period of time.” ~ Ken Kobrick & Angela Greene, www.Passchal.com, featured on the Today Show

“Since reading your books, I have implemented many of the ideas. I am now happy to report that I have had some surprising success here in Santa Fe. My hang cards, booth design, and even my products themselves have been changed by your books. I have only been there 5 partial days and have sold about 4 times what I sold in the equivalent time last year. I changed the color of the walls, the height of the tables, the displays, the hang cards, the pricing and more. So, IT WORKS!” ~ Julie Anderson, CostumeSalon.com

“After reading his books, my business took on a new life. I changed my product slightly and the response was remarkable! My first order was triple what I had planned for, and other orders are pouring in! I continue to look to James for inspiration and I love his approach. Because of the techniques I learned from him, my business is thriving.” ~ Cathy Marble, Chamisa Hill Designs

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