(NAPSI)—With a new year in full swing, self-evaluation is likely a common theme in manyU.S.households. In this frame of mind, many families are likely to assess spending and saving habits, crafting a plan for better budgeting.

When was the last time you took a serious look at your budget? If you’re due for a checkup, a number of tools and tips exist to help guide you through the budgeting process. You can find resources online, like budget worksheets that allow you to plug in your income and expenses and determine where there is room for adjustment. These are available for free to those who take the AllyWalletWise.com budget course.

The following five tips can help you create a budget that works for you:

• Envision the finish line: It’s hard to start a race without knowing where and when you will end. Decide on a financial goal—a big purchase you want to make, a debt you’d like to pay off or a savings fund goal—and use this as a motivational tool to commit to a budget.

• Put pen to paper: To best understand your current financial landscape, begin with a big-picture view. List household income, expenses and savings goals in an organized document (whether written or online). Don’t try to budget in your head.

• Balance your budget: Are you keeping expenses proportionate? Typically, housing costs should not account for more than one-third of your monthly take-home pay, while transportation costs should account for less than 20 percent, and savings between 5 percent and 10 percent.

• Dig up deals: You can easily “find” more money in your budget by cutting down on current expenses. First, identify which parts of your budget are considered wants—versus needs—and whether you’re willing to cut them out. Then look online for discounts and to review various service providers, like cell phone and cable, to see if any better deals are available.

• Aim for weekly check-ins: Decide who should be involved in the budgeting process and meet on a weekly basis to review finances, which will help you stay on track and remain accountable. Don’t wait until the end of the month, when making fixes will be harder. And remember, a sound budget requires regular review, since financial situations can change and unexpected events can occur.

Learn More: For information on basic budgeting guidelines or to take a free online budgeting course, visit Ally Bank’s financial education website, Wallet Wise, at www.AllyWalletWise.com.

Find businesses in Wake County NC and add your business Free!

Save money with an ‘enlightened’ roof – and decorate too

(ARA) – Enlightenment isn’t just a state of mind – it can also be an important energy-saving state of being for your home’s roof. By “enlightening” your roof, you can use less energy, save money, and dress up the interior of your home at the same time.

All roofs protect us, and the interiors of our homes, but they can do so much more. They can be the collection and distribution point for an inexhaustible supply of free natural light and energy.  

A roof that uses Energy Star qualified venting skylights, for instance, admits healthful natural light while providing passive ventilation through the natural “chimney effect” of rising air. This is not an insignificant consideration especially in kitchens and baths that have higher moisture and humidity levels than other areas of the home.  

Another kitchen- and bath-specific issue that skylights help address is the need for privacy. Many modern homes are built on small lots, in very close proximity to neighboring houses. “Light from windows is rarely enough, especially in places where lot sizes are small,” says Jennifer Powers of design firm Scott-Ulmann.

Areas of the home where traditional skylights with blinds might not work – such as hallways, closets and small, interior baths – can still admit natural light through less expensive Sun Tunnel tubular skylights. And optional light kits turn these units into 24-hour sources of light.  Low-profile flat glass models that blend unobtrusively with the roof, and domed models, all offer a fast, easy, less expensive way to transform a home with natural light.

In addition to light and ventilation from above, if you add an Energy Star-qualified solar water heating system your roof will work even harder for you. And, in addition to monthly power bill savings, these solar thermal systems qualify for tax credits and other savings that significantly reduce the payback time it takes to recover the initial cost.

Solar power attic fans are also a cost-effective roof addition that helps to reduce mechanical cooling costs while removing damaging moisture from the home.

In addition to the functional qualities these and other roof improvements offer, there are also aesthetic considerations.

Skylights offer room-changing drama and decorating flair while adding natural light from above.  And skylight blinds are now available in colors and pattern choices to mix and match with room decor giving homeowners another interior design tool. Blinds not only dress up a room but also provide light control while increasing the energy efficiency and usefulness of skylights.  

According to skylight manufacturer, Velux America, the addition of blinds can increase the overall energy efficiency of the units by 37 percent. They recommend closing the blinds on high heat/sun days in the summer to reduce potential solar heat gain and, on cold winter nights, closing them to provide an extra layer of thermal insulation to keep warm air indoors. Skylight blinds, as well as the units themselves, can be controlled manually or with a remote.

Modern, low profile skylights are unobtrusive and as dependable as vertical windows.  Information about units with a 10-year no-leak installation warranty, plus an installer locator, is available at veluxusa.com. There’s also a free mobile phone app there to help homeowners see how skylights and blinds would look in rooms in their own homes.

The Velux Skylight Planner App is available for iPhones, iPods, iPads and Android phones.

For government information on window and skylight energy efficiency visit energystar.gov, and for independent agency information visit nfrc.org or efficientwindows.org. For remodeling information visit nahb.org/remodel or greenhomeguide.org.

Add your business FREE Garner NC City Guide

Collaboration with professor to help increase stormwater control area success.
The North Carolina Department of Transportation and N.C. State are combining forces to improve stormwater control in an area affecting N.C. State, Meredith College and the N.C. Museum of Art.

“By combining our resources with the renowned research capabilities of N.C. State University, we are developing innovative solutions for improving water quality – and in turn, helping to protect one of our state’s most valuable resources,” said Matt Lauffer, program manager for NCDOT’s Highway Stormwater Program, in a press release.

The project aims to benefit the House Creek watershed, an area that collects pollutants from cars and other ground sources when it rains. House Creek is one of several stormwater control projects NCDOT monitors annually. The construction is taking place near the intersection of Wade Ave. and Interstate 440.

Dr. Bill Hunt, assistant professor and extension specialist with the Department of Biological and Agricultural Engineering, will be working with NCDOT to develop methods to reduce the amount of pollutants.

Dr. Hunt has assisted since 2000 with the design, installation, and monitoring of over 90 stormwater best management practices (BMPs), including bioretention, stormwater wetlands, innovative wet ponds, green roofs and permeable pavement.

Julia Merchant, NCDOT communications officer, said this is not the first time NCDOT has partnered with N.C. State. Past collaborations involved, among others, breakthroughs with biodiesel research conducted by the University.

According to NCDOT, for the $300,000 House Creek project, funded through the Highway Stormwater Program, engineers will use stormwater filtration methods such as a bioretention basin, which will use sand to filter out pollutants in the water.

After installation of the stormwater control measures is completed, which will take approximately three weeks according to NCDOT, N.C. State researchers will continuously monitor the system’s effectiveness at improving the House Creek water quality.

SOURCE:Technicianonline.com

Free Local Wake County NC Business Listings:

Free Garner NC Business Listing

Steps for catching up with old 401(k)s

(ARA) – The average American will hold 11 jobs between the ages of 18 and 42, according to the Bureau of Labor Statistics (2010). When you start a new job, you probably remember to pack your personal items and update your contact information, but did you consider what to do with your 401(k) held at your previous employer? It’s easy to leave behind.

A recent Merrill Edge survey found that nearly half (46 percent) of mass affluent Americans plan to rely solely or heavily on retirement plans offered by their employer for their retirement savings, such as a 401(k) or 403(b). This makes it more important than ever to keep track of your retirement savings.

Having accounts in more than one place can make keeping tabs more difficult. Rolling over your balances into one account helps to ensure you can properly track and manage your savings to help you pursue your retirement goals. When it’s simpler to monitor your investments, you can make changes as needed.

“One of the biggest challenges facing Americans today is planning for their retirement,” says Dean Athanasia, mass affluent and small business executive at Bank of America. “Many people expect to retire later than they had planned a year ago. Rolling over old 401(k)s is one small step consumers can take to help make managing their retirement savings easier and their retirement goals more attainable.”

Rolling over your old 401(k)s isn’t as complicated as you might think. Merrill Edge, offering a wide array of investment solutions from Merrill Lynch and access to the banking services of Bank of America all in one place, has a three step process to help you keep things simple:

1. Locate your accounts: Collect statements and account numbers for all your 401(k)s. If you’re missing any account information, call your former employers or benefits providers for the information you need.

2. Consider your options: Review all of the rollover options available to you. There may be many options for retirement investing and saving, so consider the length of time you plan to invest and the level of risk that’s comfortable for you. You can use a retirement calculator, like the Retirement Evaluator available on merrilledge.com, to help you see where you stand today and help you determine whether you’re on track to meet your retirement goals.

3. Choose your investments: Finally, decide how you’d like to invest. IRAs typically offer more investing options than 401(k)s to help you reach your retirement goals. Many online tools, such as the Asset Allocator available on merrilledge.com, can help you make investment decisions. Or, consult your financial services provider to help you make investment choices for your unique situation.

Consolidating 401(k)s into a single IRA account can make it easier for you to track and manage your retirement assets now, as well as when you start to withdraw funds in retirement. The process doesn’t have to be overwhelming if you remember a few simple steps – collect your account information, evaluate the choices available to you, and select a roll over solution that is appropriate for you.

For more information on rolling over 401(k)s and retirement strategies visit merrilledge.com or speak with a Financial Solutions Advisor at the Merrill Edge Advisory center at (888) MER-EDGE (888-637-3343).

Investing in securities involves risks. Neither Merrill Edge nor its associates provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisers. Withdrawals are subject to ordinary income tax. In addition, a 10 percent additional federal tax may apply to withdrawals taken prior to age 59 1/2.

Investment products:
* Are not FDIC insured
* Are not bank guaranteed
* May lose value

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of Bank of America Corporation.

Banking products are provided by Bank of America, N. A. and affiliated banks, members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Free Local Wake County NC Business Directory, Add your Business Today!

Garner NC City Guide, Add Your Business Free!

(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.

Free Premium Business Listing For Wake County Business Owners

Find Local NC Tax Services

(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.

Add Your Garner NC Business To City Guide

What you should know about your business credit report

(ARA) – While you’re running through all the financial tasks small businesses do to close out one fiscal year and start the next, don’t forget to examine an often-overlooked key financial factor – your business credit.

Between closing your books on 2010 and preparing for 2011′s tax season, knowing how creditors and others perceive your business may not be top of mind. Yet, now is the perfect time to verify the information in your business credit report and update it with current and relevant facts about your growing business. It can help you better prepare your business for the coming year. The credit experts at Experian offer some insight into the factors that affect your small business credit report and business credit score, and why it’s important to your business.

Why it matters

Does your business credit report really matter? Absolutely. It paints a picture of your small business for the world to see. Outdated or incorrect information can give the wrong impression about your business, resulting in unfavorable decisions by potential lenders and creditors – which can negatively impact your bottom line. Plus, anyone, including partners and investors, can view your business credit report for any reason.

If your business has grown or changed over the last year, it’s important to update the data reflected in your report and know the score. There are several factors that make up a business credit score, including but not limited to previous payment history, industry type and business size.

An accurate business credit report and a good business credit score can:

* Save you money because lenders usually offer their best interest rates to businesses with good credit.

* Reduce your personal liability and protect your personal assets by enabling you to obtain business credit without the need for a personal guarantee.

* Help you offer your customers competitive prices by passing your interest savings on to them, while still keeping a larger margin of profit for yourself.

* Get you the money and capital you need to keep your business running.

What’s on your report?

Your business credit report provides an up-to-date, objective overview of your business and how it manages financial obligations. It can include information on your payment history, public records about your business, background on the company, collections information and comparative information that places your business payment history in context with your industry.

You can find out how your business compares to others like it across the nation in terms of business credit with an interactive map by visiting www.businesscreditfacts.com/map.

Managing and monitoring

Web-based services are a great way to monitor and manage your business credit report. Sites like SmartBusinessReports.com and Experian.com/SmallBusinessCredit not only allow you to view your own business credit report and score, but also provide useful information on how Experian arrives at your credit score and how your business practices affect your score and report. These sites also allow you to check the business credit of your suppliers, customers, prospects, partners and competitors.

Your business credit information is as important to your business’ financial health as your personal credit information is to your ability to borrow money privately. While you’re wrapping up last year’s financial matters and preparing for the coming year, now is a good time to think about your business credit and how you’ll manage it throughout the new year.

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 also have techs check 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 at your convenience.

Place Your Business In Wake County Business Directory Free!

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

Ready to increase your craft sales and profits? Just click here to learn more about our craft business guides. Click Here

Time and Money Saving Tips for Your 2010 Tax Return (350) (NewsUSA) – The American Recovery and Reinvestment Act of 2009 will still benefit millions of workers, families and college students on their 2010 federal tax returns. The Making Work Pay Credit is equal to 6.2 percent of your earned income, up to $400 for individuals and $800 for joint filers in 2010. It starts phasing out at $75,000 for individuals and $150,000 for joint filers. Like last year, the credit is already being distributed in paychecks through increased federal withholding. (If you don’t withhold federal taxes, you’ll receive the credit when you file your 2010 return.) Even though you receive this credit in each paycheck, you’ll generally still need to claim the credit on your 2010 tax return. The credit on your federal return makes up for the reduced withholding throughout the year. The credit should be figured using Schedule M and recorded on Form 1040, 1040A or 1040EZ. Certain energy-efficient home improvements are worth up to $1,500 through the Nonbusiness Energy Property Credit and Residential Energy Efficient Property Credit. Then add this sentence: The $1,500 limit is the maximum amount that can be claimed for both 2009 and 2010 combined, and you must claim the credit in the year that the improvements were made. Both credits should be claimed on Form 5695. The HOPE credit is now called the American Opportunity Credit and is worth up to $2,500 per student for tuition, related fees and required course materials in 2010. It phases out at a modified adjusted gross income of $80,000 for individuals and $160,000 for joint filers. Form 8863 must be filed to claim this credit. Jessi Dolmage, spokeswoman for 2nd Story Software, Inc., the makers of TaxACT, recommends these steps: 1. Using the preview versions of TaxACT made available in early October for year-end tax planning and to get a head start on your 2010 federal return. 2. Reviewing your withholding. The Making Work Pay Credit is being distributed through decreased federal withholding, so having too little tax withheld may result in a smaller refund or more taxes owed. 3. Learning more about the ARRA at www.IRS.gov/recovery and www.TaxACT.com/recovery-act.

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

Ready to increase your craft sales and profits? Just click here to learn more about our craft business guides. Click Here

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 also have techs check 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 at your convenience.

Promote Your Crafts or Business Website Free!
Garner NC City Guide And Business Directory

It 2011! Wow, how time fly, seems like 2010 only lasted a couple of months. I do remember most of the good, thanks to planning and getting things done on a schedule. As administrator here at City5nc I get to talk to lot of people from all over the world, and I get many thoughts and views, on how to make life better, as far as day to day living, some good and others not so good.

These are things we consider essential for most people, from low income to middle class trying to survive in this economy.

1. Try to pay your credit cards down or off, spend cash if possible, pay a few dollars more than the minimum, use only one card with low interest rate, and low balance for emergencies.
2. Eat healthy foods, buy local fruits and vegetables when you can, or grow your own when the seasons are in. buy food in bulk when appropriate, not just when it on sale.
3. If times are really tight, try turning your hobby or crafting idea into a money making venture. Do a search online for crafts and hobbies ideas, go to craft shows, take an online course from your local Community College, use what you already know as a starting point.
4. Remember that what goes around comes around, so don’t wait for someone to do something nice for you first, start by giving or helping someone along with an act of kindness, it just might come back to you when you really need it, or you just might feel good.
5. If you live in the City riding the bus a few days a week, could save you lots of money, gas, less traffic, and no headache.
6. Banking and Savings in the major banks is more expensive, with more fees and banking cost, using your debit card could cost you more at some banks, not just at the ATM but news fees. If you have a saving account and it’s been hard to keep the minimum balance that your bank have on that account, then you are paying the bank to save your own money. Find a bank that has a low minimum balance.
7. Make a plan to become debt free, it’s not impossible to do. Start paying a payment and a half each time you make a mortgage payment, credit card, car, medical bills and before you know it your bills are paid. Start small and test the waters, if you can do this without breaking your bank, then you’re on your way.
8. Down time, well it’s also important to get in your rest and relaxation, so budget enough for that special get away. Whether you are young, older, retired a break from the routine, same old same can can make Jack a dull boy and Jill too. Taking time off for that fishing trip, traveling, sight-seeing, visiting another Country or US State or just taking a break to pamper yourself is all good.
9. Small Businesses should try to invest in their companies, but don’t forget about the employees, before you pass out those lay-off or pink slips try working with your employees to maybe work out a salary or benefit compromise until the economy improves.
10. Don’t Complain about what you dis-like about your life, just add some things you do like, and the rest will fall in place.

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

Ready to increase your craft sales and profits? Just click here to learn more about our craft business guides. Click Here Free Wake County Business Listings