Legal and illegal deductions: Know the difference

Q: AT work, we are required to wear a uniform, which only the employer can provide. The cost of the uniform is deducted from our pay. Is this deduction legal? A: No, this deduction for employer-mandated uniform is prohibited under California law. If the employer requires its employees to wear uniforms at work, the employer…

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Face debt problems now to avoid pain later

WHEN people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think that by doing this, somehow the creditors will simply give up and go away.  Then one day the problem blows up in their face. Then…

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Why biting down on aluminum foil hurts

HAVE you ever accidentally bitten down on a little piece of aluminum foil? Have you experienced that quick zap of pain? Perhaps a little piece of foil was clinging to the tortilla when you unwrapped your taco during lunch. When that foil came in contact with metal in your mouth (such as an amalgam filling, a metal crown, or…

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IRS may have refunds waiting for you

IF YOU earned income in the last few years but didn’t file a tax return because your wages were below the filing requirement, the Internal Revenue Service may have some money for you. The IRS also has millions of dollars in checks that are mailed but returned each year as undeliverable. There are two types…

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How do you keep good tax records?

1. IRS wants you to keep good records to document your income and support your expenses. It does not require you to keep records in any specific manner, but there are proven ways to keep good files. Read on. 2. There are two basic types of filers: the rat pack that hoards files for the…

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Media channels for advertising

What is the first thing you do when planning for your daily commute? You probably watch the news, check for train or bus delays on the internet, or check a navigation app on your phone for the most efficient ways to get to your destination. Based on traffic or accidents, you might even consider alternative…

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Federal penalties for underpayment of taxes

“Taxpayers who are hit with the 20 percent penalty for negligence or disregard of rules may try to establish reasonable cause for underpayment and show that you acted in good faith.” AS OUR tax laws become more complex, we find it more difficult to comply.  As we fail to comply in filing or paying required…

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Why do you need to get out of debt?

PEOPLE come to me every day with different reasons for getting out of debt. Most of the time, I’m thinking that they would have been better off had they come to me sooner to get help. Had they done this, they’d be doing a lot better by now and could have avoided a lot of…

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Rules to follow for a smile-healthy Halloween

HERE it comes! The season of ghosts, ghouls, witches, and, of course… candy! If you’re savvy about it, there’s no reason for your Halloween fun to come at the expense of your dental health. Rule 1: A little candy all at once is probably better than candy all day long When it comes to your…

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I owe the IRS – what can I do?

HERE 10 tips if you owe but cannot immediately pay the IRS: • Pay What you can: Pay promptly to stop additional penalties and interest from accruing.  If you are unable to pay, consider getting a loan to pay the bill in full rather than make installment payments to the IRS. • Additional Time to…

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Can employees challenge employment documents they signed?

WE previously discussed the question of whether an employee’s signature to an independent contractor (IC) agreement binds the employee to the terms of that agreement. We noted that the law determines the worker’s status, not the parties’ agreement.  Even if there was an IC agreement, workers who are treated as employees will not be bound…

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Debt problems: Are you lost in a ‘money fog’?

MAYBE you’ve experienced this before: You’re driving down the road one cold, chilly day and before you know it, you find yourself surrounded by a thick white wall of dense fog. How did you react to the situation?  If you’re like most people, perhaps you felt momentarily lost and confused or perhaps even panicked, not…

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Filipino invention Beer Below Zero comes to US

LOS ANGELES – Beer drinkers love their beer ice cold. That’s usually 8 degrees Celsius if taken from a regular refrigerator. But what if they could drink beer at the perfect coldness – minus 8 degrees below zero? Beer drinkers in the United States, including Filipinos, can now drink their favorite beer cooled to perfection…

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