Maintenance 101

Vehicle maintenance is one of the more bothersome aspects of automobile ownership. Taking your ride into Auto Shop or Dealer is often like having a tooth pulled–painful, but necessary. Maintenance also can be confusing: Which service interval should you follow, the “normal-duty” or “severe-duty” schedule? Severe-duty applies to vehicles that operate under a variety of…

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Average itemized deductions

FOR those of you who itemize, the table below should be of special interest. For those of you who play the odds (you know what I mean), this table should be of very special interest. Having claimed too many exemptions at work to increase your take-home pay, you suddenly find yourself owing Uncle Sam a…

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Facing your debt problems before they get worse

FACING difficult financial times can be a frightening thing for a lot of people. When bill collectors are hounding you, at some point, you realize that something must be done but you just don’t know where to begin or where to go for help. Often, options can also be confusing unless you get the right…

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12 tips on filing status

PAY attention to your filing status because it determines your standard deduction, tax due, or refund. Here are 12 tips to help you choose your correct filing status: 1. There are five filing status options to choose from: single, married filing jointly, married filing separately, head of household and qualified widow/widower with dependent child. 2….

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Tooth or consequences

Sensitive teeth, severe dental erosion and facial pain are therefore common symptoms of patients with anorexia and bulimia. Everything we put into our mouths affects our overall health, but there are some eating habits that have the disadvantage of contributing specifically to poor oral health as well. Eating Disorders: Teenagers and young adults are more…

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Digital marketing trends you can’t miss

Congratulations! You have successfully braved past the first quarter of 2015! By now, some of you might be looking for some ideas to supercharge your business. In this article, I will be discussing the emerging digital marketing trends of 2015 that can potentially help your business. Digital advertising is essential in today’s day and age, yet…

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2015: The year of the smile

IT isn’t always about  looking like a movie star or supermodel. It’s about feeling confident and comfortable with your healthy smile! Smiling’s amazing benefits You may not typically think about it this way, but your smile is powerful: •  Smiles can make you healthier. Smiling immediately lowers your blood pressure, slows your heart, and boosts your immunity. Endorphins…

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Meal break or extra pay for those working more than 12 hours

When meal waivers don’t apply SOME employees work 12-hour shifts, such as nurses, therapists, technicians, or even caregivers and domestic employees. Because of the realities of their job, especially for those who work in hospitals or skilled nursing facilities, they may find themselves working continuously without being provided their mandated breaks. Hourly employees are entitled…

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Struggling with debt: What are you prepared to do?

IN this week’s article, I would like to address a bad habit that we all tend to have at times. In dealing with debt, it can mean the difference between failure and success. What am I referring to? I am referring to this nasty habit called “procrastination”. “Procrastination” is defined by the dictionary as “putting…

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A Vision Centered Leadership Style

“I believe that it is my duty as a CEO to lead and inspire the workforce, to provide vision and direction, to guide and motivate my people so that Megaworld continues to maintain its competitive edge in the property market.” – Dr. Andrew L. Tan A powerful statement reinforcing the notion that growth in business evolves…

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Federal tax update for 2014 tax returns

1. YOU are required to file an income tax return if your 2014 gross income reaches: Elderly and blind taxpayers add $1,200 to $1,550. 2.  Personal exemptions $3,950 Phaseouts for personal itemized deduction and personal exemption were reinstated in 2013. 3. Standard deductions: If your combined itemized deductions for interests, taxes, medical and contributions are…

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Are you always worried about your finances?

FOR a lot of people, financial concerns can be their number one cause of stress. But worrying without acting doesn’t really solve anything. If you feel that your finances are out of whack, it’s time to take charge and to hold yourself accountable for the results.  Here are two steps that may help you reduce…

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Tips for patients with fixed retainers

MANY people, after completing orthodontic treatment, are fitted with a fixed retainer-—a thin wire that’s bonded to the back of teeth, designed to help keep teeth straight and aligned. Fixed retainers can be great! You never have to worry about losing it! However, fixed retainers can also make it more difficult to keep teeth and…

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The tale of 3 seniors who need bankruptcy relief

White House will hire 1,000 more employees to implement Obama’s immigration action The 3 seniors who need bankruptcy relief THIS must have been my pre valentine seniors’ week for bankruptcy relief. The first senior who comes to see me only owes $15,000 of credit card debt. She is a widow and 75 years old. She retired…

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Affordable Care Act (ACA – ObamaCare)

Premium Tax Credit for individuals and families IF YOU purchased health coverage from a state or the federal Marketplace and are eligible for the premium tax credit, file Form 8962, Premium Tax Credit, with your federal income tax return. If you previously chose to have advance payments of the premium tax credit paid directly to…

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Double-check your ‘fixed salary’ status – you may be owed back wages!

A CLASS of “Review Appraisers,” employed by Bank of America (BoA) through its subsidiary, Landsafe, recently obtained approval of a settlement for $5.8 million. The employees sued BoA for alleged overtime violations, itemaized wage statement violations, meal and rest period violations, waiting time penalties, and civil penalties against the employer. The employees, who primarily proofread…

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