Submitted by: Angelia Sampson

If you have never needed to get Tax Debt Advice, you are a lucky one. An Income Tax Penalty Fee generally comes with tax debt . You need to understand, though, that sometimes the Income Tax Penalty can be erased if you are able to prove your “good faith” intentions to cover what you owe. This is why employing skilled Tax Debt Advice from a qualified Tax Debt firm is so critical to get. Why pay more than you must? Defend yourself with expert Tax Debt Help immediately!

You must get Tax Debt Guidance today if you have an outstanding Tax Debt, and you don’t know what steps you should take. The IRS might issue tax liens and levies if you put them off too long. You can still seek Tax Debt Support after the Internal Revenue Service has already begun collection actions, but why would you want to wait for that to happen? Wouldn’t you want to have your Income Tax Penalty erased today? tax liens will ruin your credit file. An IRS tax lien attaches to your record, making it tough to accomplish anything regarding credit . If you cannot pay the IRS, what would make lenders think you’d be able to pay them back? You need to get moving right away when it comes to your IRS Debt so that you never find yourself in these circumstances. The Internal Revenue Service tax lien is the government’s legal claim to your assets so that if whatever the lien on is sold, the Internal Revenue Service will receive payment first. If you are facing a lien on your property, it’s important to find specialized IRS Tax Debt guidance, if only to save your credit rating.

The IRS can also collect on the money you owe by applying a bank levy. The IRS lets your bank know of its intent to levy your account as a means to cover your delinquent tax debt. You’re provided with approximately 3 weeks to come to an agreement with the Internal Revenue Service or completely satisfy your Tax Debt. Else, all of your funds are submitted to the Internal Revenue Service as coverage for your Income Tax Penalty Fee and debt. Seek Tax Debt Help as soon as possible to keep the Internal Revenue Service from taking your hard-earned money!

When a wage levy is issued, the IRS takes over 1/2 to 3/4 of your paycheck to cover your IRS Debt and Income Tax Penalty before your pay even leaves your employer. You will have a sufficient amount to take care of basic requirements (shelter, bills, and so forth.), but it is still a big irritation and could place you in a complicated monetary position. With an tax debt professional on your side, you can guard your quality of life and not have to stress over surviving on a limited income.

As stated before, if you had honest intentions to get your Tax Debt settled, you may be able to get out of paying an Income Tax Penalty Fee. For instance, if you filed your income tax before the due date, but the IRS says you never filed, you can fight back. With advice from a Tax Debt Help specialist, you will be able to provide the required paperwork to prove that you acted honestly in regard to your IRS Tax Debt, resulting in a removal of the Income Tax Penalty.

As another situation, say a corrupt tax preparer altered your numbers for you to get a larger tax refund so he could convince you to hire him again the following year. You will simply need to prove that the Tax Debt and resulting Income Tax Penalty were the effect of another person’s actions, a person you had no cause to question regarding his/her IRS Debt Help experience, reliability, or ethics.

There are many tricks up the IRS’ sleeve to make you repay the money you owe. Do not let how much you owe multiply due to an Income Tax Penalty. If you’re facing an IRS Penalty , contact an IRS debt help pro immediately for a solution to your trouble.

About the Author: If you are looking for expert tax debt visit

to day and see how we can start helping you.


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By Susanne Myers

Now that the holiday season is right around the corner, you’ve probably started dragging out your recipes, including your favorite crockpot appetizer recipes. Everyone loves those tasty treats and you know your dinner guests like to grab a few bites as they mingle.

Even when planning a big sit-down meal, your dinner guests will always make room for a few tasty bites before dinner. The trick to serving good appetizers is serving an attractive and delicious variety of dishes. This may be easier said than done when you have become so accustomed to making certain appetizers year after year.

It’s time to put your crockpot to work for you as you improve on your classic appetizers like cheese dips, cocktail wieners, and meatballs. Your holiday gathering is special. Shouldn’t your appetizers be special, too? Let’s take a look at how to make your old favorites a bit more special:

Cheese Dip – You can certainly make a simple little cheese dip that would be delicious, but, don’t you want to make a dip that your guests will remember, and talk about, and ask you for the recipe? How about an Artichoke and Cheese dip? By adding some chopped artichoke hearts to your favorite cheese dip you’ve perked this appetizer up enough to make it memorable.

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You can also add flavorful ingredients like Parmesan cheese, Worcestershire sauce, mustard, and red pepper flakes to really kick this cheese dip up a few notches. Cook in your crockpot on low for about 2 hours, and keep warm to serve with your crackers, chips, or bread.

Cocktail Sausages – Think way beyond those little wienies and serve up an easy, but fancy, batch of sweet and tangy Apple Sausage Appetizers instead. Use any combination of ingredients such as brown sugar, honey, balsamic vinegar, and Dijon mustard, then instead of adding Vienna Sausages, cut up some good apple smoked sausage, some tart apples like Granny Smith, and some sweet onion and add that to the crockpot.

If your guests were expecting the standard cocktail wienie appetizer, they’ll be pleasantly surprised when they bite into this sweet and spicy treat. Combine the ingredients in your crockpot, set it on low heat, and let cook for about 2 hours. Check to make sure the apples and onions are just cooked through but not turning to mush, then serve warm.

Meatball Bites – Those little meatballs swimming around in barbecue sauce are tasty, but are they special enough for your holiday event? Go ahead and make your mini meatballs out of your favorite recipe, but when it comes to the sauce, it’s time to do something special. Beer is the ingredient that kicks this appetizer recipe up a couple pegs. This Tangy Meatball Appetizer will have your guests wondering what makes the sauce so yummy. Start by making your favorite meatball recipe, form the mini meatballs, then brown them in a heavy skillet with cooking oil. Once they’re brown, put them in your crock pot.

Mix together in a separate bowl a combination of ingredients starting with beer. Add any or all of the following ingredients to the beer – spicy tomato juice, mustard, horseradish, Worcestershire sauce, garlic, onion, hot sauce, red pepper flakes, or anything that sounds good to you. Pour this sauce over the meatballs in the crockpot, turn the heat to low, and let it cook for about 2 hours or a little more until you’re sure the meatballs are cooked thoroughly. You won’t find these meatballs on just any buffet!

Nutty Snacks – I always think some pretty bowls of assorted nuts placed on tables around the room is a nice touch. But, instead of just dumping some mixed nuts in a bowl, why not cook up a batch to surprise your holiday guests? Because pecans are often associated with sweet snacks and desserts, these Cajun Style Pecans will be quite the surprise, indeed!

Choose the spices that you would normally associate with a good Cajun dish. You’ll probably want ground onion and garlic, of course, and cayenne pepper, chili powder, oregano, basil, and thyme. Mix these together, then add to some melted butter and pecans in your crockpot. Cover your crockpot and turn it to high for about 10 minutes, then uncover and turn to low. Continue cooking on low, uncovered, for about 2 hours. Stir the contents a few times to keep the pecans coated and toasting evenly. After they’re done cooking, just cool the pecans by spreading them on a baking sheet, rack, or paper towels.

We all have our favorite appetizers that have become a tradition over the years. We can still enjoy these same appetizers, but don’t they deserve a little updating? And don’t our guests deserve a little special treat this year? Surprise them by tweaking your old crockpot appetizers and maybe you’ll start some brand new traditions!

About the Author: Susanne Myers at wants to help you make great appetizers and other tasty dishes for your family. Find lots of crockpot recipes and more in the

Hillbilly Housewife’s

informative guide,

Crockpot Cooking Made Simple

. Get your copy now and start enjoying hot, hearty meals every night!


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A Brief Overview of Credit Card Debt Assistance


Kris D. BickellAt some point or another, regardless of how much you budget and cut back on your spending, you may find that you are simply unable to make your debt payments each month. If you’ve tried talking to your lender and they refuse to compromise, it may be time to seek out help from a debt counselor or a debt assistance company.

Here’s what they can do to help with out of control credit card debt:

Negotiate with creditors on your behalf:

Credit card companies frequently work with counselors and debt assistance companies, and phone calls from these third parties will likely be more effective than personal calls from you. By talking with your creditors, counselors and companies may be able to get your interest waived or reduced, get any late or over-the-limit fees waived, or even get your creditors to accept less than you owe to erase the debt. Creditors will likely be willing to negotiate if they know you are considering bankruptcy, which can mean that they will receive nothing at all.

Help you set up a realistic repayment plan:

Using your financial information, credit card debt assistance companies and counselors will help you figure out how much you can afford to pay back each month. You will submit your payments to the company that is assisting you, and they will forward this money to your creditors on your behalf.

Assist with the development of strong budgeting and financial planning skills:

An important part of the services offered by debt assistance companies and credit counselors is helping their clients avoid getting into the same situation in the future. That means developing new financial habits and budgeting strategies. For that reason, many debt assistance companies offer sessions on budgeting and effective debt management strategies which can be completed while the debt is being repaid.

Struggling to pay your credit card bills? Learn how to find an honest

debt settlement company

and learn if debt settlement can help you. Our simple do it yourself

debt negotiation

guide can show you how settle your own debts.

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By Brian Garvin

Linen World has been in business for twenty-five years. A longtime direct sales company, Linen World includes a lot of information on their website for both customers and potential representatives to peruse and learn about the company.

For customers, Linen World has a complete full color catalog online. They sell kitchen utensils, dishes for entertaining, bed sets, quilts, Egyptian cotton sheets, towels, bathing utensils, childrens plush toys, candles, clocks and other unique decorative items. The catalog is easy to navigate, and shows every page. Prices are pretty similar to normal retail for similar items.

For potential representatives, they include a lot of information about their business opportunity. New sales representatives can get started for free their sales kit is paid for from the commissions from their first party. Each consecutive party is provided with free catalogs, order forms, invitations and more.

Linen World seems to offer its sales reps a lot of support, including the opportunity to have their own webpage for free with its own shopping cart. To get started, potential representatives merely download the application and send it in. If the first party is not completed, or the representative changes her mind, all she needs to do is send the hostess kit back within the first thirty days.

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Incentives and rewards are available from cruises to computer systems to gift cards or merchandise. All a rep needs to do is a set number of parties per year to earn them.

Linen World representatives have no minimum orders, and are paid their commissions twice a month. They have a flat fee for shipping, so no matter how much is ordered at a party, the shipping fee is a low $4.95. The sales reps do not need to maintain any inventory.

As in most direct sales organizations, representatives can recruit a sales force that becomes their team. They then become the sales manager, and receive a fee for every party that the members of their team complete. The more parties the manager does herself, the more commission she earns from her teams parties.

Now is a better time than ever to find someone who will be your upline. Ask them before you join if they have fundamental grounded Internet Marketing skills. A good Internet Marketer, secret being told, can become successful in any MLM Program, since they know how to generate lots of leads. Just make sure before you sign on the dotted line that you will get all the personal attention you deserve.

I could not find any reviews from consultants online, nor could I find any comments about the company, either good or bad. Either the representatives are so happy that they dont need to post reviews or comments to generate interest, or there is no interest. It really cant be concluded with the lack of information I found.

From their website, it seems that Linen World is very fair to their representatives, and bends over backward to support them. They do not soak their sales teams for supplies, or expect them to foot the bill.

About the Author: You can read our Unbiased, expert review of

Linen World

from Brian Garvin and Jeff West at

MLM Review Kings

. This article may be used royalty free provided bio & links remain intact.


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By Simon Volkov

Lottery taxes can amount to almost half of jackpot winnings, so it’s important to work with accountants and financial planners to reduce tax burdens. Professionals can advise of estate planning and investment strategies and help expand winnings through smart planning.

Lottery taxes are assessed on cash and non-cash prizes that are won through legal gaming. This includes jackpot lottery winnings from national games such as Mega Millions and Powerball and cash or prizes obtained from sweepstakes, raffles, scratch-off tickets, and casinos.

Most people that win millions of dollars all at once don’t possess money management skills that allow them to capitalize on tax savings and investment opportunities. It’s not uncommon for winners to squander away all their newfound wealth within a few years.

Another problem lottery winners’ encounter is not paying required taxes on time. Anytime a person wins $600 or more in cash or prizes, they must report the income on personal tax returns.

One thing to keep in mind is the Internal Revenue Service allows taxpayers to deduct gambling loses as long as appropriate documentation is provided. Taxpayers that buy raffle and lottery tickets need to retain receipts or non-winning tickets, along with accounting records of winnings and losses.

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How much is taxed on lottery winnings depends on the amount won and how payments are accepted. People that win millions can elect to accept lump sum cash or annuity payments that provide annual installments. Winners that accept lump sum cash are required to remit lottery taxes in full, while those that accept annuity payments pay taxes with each installment.

Mega lottery jackpot winners can engage in tax savings strategies to reduce the amount owed. One of the most common methods is accepting annuity payments that provide annual installments for 20 years.

Overall, annuity payments tend to supply winners with additional funds. Lottery taxes are deducted from annuity installments when distributed to winners. Furthermore, this strategy can help taxpayers avoid being put into a higher tax bracket.

Another advantage of choosing annuity payments instead of lump sum cash is winners can designate beneficiaries to receive unpaid funds if they die before all winnings are paid.

Winners that accept lump sum cash can transfer money to an irrevocable life insurance trust to reduce inheritance taxes for heirs. This type of trust is reserved for people that have over $2 million in estate assets.

If tax on lottery winnings is not remitted to the IRS by the due date, taxpayers will be subjected to late fees, penalties, and interest. Combined, IRS fines could tack on an additional 30 percent to the amount due.

In addition to owing federal taxes on lottery winnings, taxpayers are also responsible for remitting state income tax. In total, taxes can amount to nearly 50 percent of prize values.

Tax rates for lottery winnings are determined by taxpayers’ pretax income and the prize value. Winning millions of dollars puts people into a higher tax bracket which increases their personal tax rate.

Lastly, when people buy lottery tickets as a group it is important to draft a written contract that articulates how winnings will be divided and that each winner is responsible for paying their share of lottery taxes. It’s always wise to obtain help from accounting professionals to fully understand payment options and lottery tax rates.

About the Author: Learning about

lottery taxes

helps winners expand their newfound wealth and pass along winnings to relatives. Financial planning expert, Simon Volkov talks about the advantages of establishing

annuity payments for lottery winnings

and shares personal finance tips at


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By Ella Jasmine Hall

Tips in Choosing the Right Cat Carrier for Your Cat

Cat is one of the favorite pets of adults and children because they are not only cute, friendly and adorable, but they are also great stress reliever as well. As a pet owner it is your responsibility to bring your cat to the veterinarian for regular check ups but it is not that easy to bring cats outside the home as they get stressed and afraid with the mere sight of cars. How can you bring them to the vet if the cat is afraid to go out of the house? Can you bring her without risking her safety?

With cat carrier, this is possible because cats can be stored inside this thing safely and securely. This is the primary reason why cat carrier is a must have item for cat owners.

Reason to have a cat carrier

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It is an obligatory item for cat owners because with it, you can bring your cat anywhere you go without risking her safety and without losing sight of your pet as well. This holds true for those who love to travel and like to bring their pet along with them. Remember that it is a nightmare for cats to be on the streets and when they are lost. Good if there are good Samaritan who is kind enough to return your cat to you or bring it to the cat shelter for safe keeping. What would happen to your cat if she gets lost in the streets with no one to depend on? She will get starved and much worse, get an accident in the street, right? You would not let this thing happen to your cat, right? To avoid it from happening, it is best to buy a cat carrier as early as now. With the different types of cat carrier sold in stores and pet shops, how can you select the right type for your pet?

How to choose a suitable carrier for you cat?

Bear in mind that cats have different personalities and behaviors. More so, buying a carrier is not that easy because you need to consider the type of carrier and the reason for buying one. Before buying a carrier, you need to consider the durability and quality of the carrier. You should select those which have strong doors and can withstand the strength and ability of cats to push it out. Cats have extraordinary strength when they are frightened, thus they can escape the carrier by pushing the door of the carrier. Do not buy carriers which have flimsy doors and inserts because these are not durable. Be sure to invest in durable carriers with strong metal doors.

The different types of cat carriers and their functions:

Soft sided cat carriers – This cat carrier is suitable for calm and relaxed. This is not suitable for those who are anxious, nervous and stressed because they can easily ripped it out with their claws. This carrier comes in different styles and colors and can also be personalized as well.

Hard-shelled cat carriers – This is the best carrier to invest in because it is durable and sturdy. It is long-lasting and you can be sure that your cats cannot escape from it. Most of the hard-shelled cat carrier have metal or or durable plastic gates, solid top and bottom and with air vents at both sides. This is suitable for air travel and for daily travel as well.

Cardboard cat carriers – This is only suitable for kittens and for transporting cats during emergencies. They are not strong and durable and can be ripped off easily.

With the three choices of cat carriers mentioned above, you already know which one suits your cat best. Happy shopping!

About the Author: Ella Jasmine Hall enjoys writing for which sells cat beds and cat carrier as well as a host of additional products.


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Submitted by: Aaron Hoos

For many people, the dream of being their own boss remains a dream. The elusive mirage of entrepreneurship hovers on the horizon, seemingly unattainable.

Todays digital world has made the dream a reality for many people. Now, owning a profitable business is within the grasp of just about anyone.

How? E-books are a great way to make money online. By following the step-by-step approach below, you can create a business quickly and easily in your spare time.

Few other businesses allow you to become profitable so quickly with such a small investment. You dont need to be an expert at building web pages; you dont need to be an expert at the e-book topic.

But what if you…

Are short on cash? Not a problem! For a small investment and a few hours of work, you can create a potentially profitable business.

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Are short on time? Not a problem! Many people are surprised that it takes such a short amount of time. Thats the beauty of the internet: you can start a business in the next couple weeks that can have you earning money by the end of the month.

Have a day job? Not a problem! Selling e-books requires a little time to start the business and nearly no time to maintain it… Its completely automated.

So how do you do it?

Simple, just follow these tried-and-true steps and soon youll be earning your way to real riches from digital downloads. (Note: cost and time information is estimated).

1. Decide on a topic you think might sell. It can be a hobby of yours or one of the many hot topics out there that you know will probably be a popular seller. Cost: $0. Time: 30 minutes.

2. Hire a freelance e-book writer to create the book for you. Depending on your needs and your budget, you can get a book from 25 to 150 pages very affordably; and it may even be ghostwritten so you can have your own name on it! You can find good writers at Cost: $100 – $1000. Time: 1 day to 3 months.

3. While the e-book is being written, purchase a URL, a website, and web-hosting from one of the many affordable providers online, like Many of these online web-hosting providers will also provide templates that let you put together a website very quickly without any technical experience. If youre not sure of which web-hosting company to use, ask your e-book writer for a suggestion. Cost: $100 – $300. Time: 1 – 4 hours.

4. When the e-book is written, sign up at a digital information seller like They may have additional requirements that you need put on your site to help people buy your e-book. Cost: $50. Time: 30 minutes.

5. Depending on your e-book topic, you may want to advertise. Google AdWords is a popular and simple method of advertising. Your freelance e-book writer should have a few other suggestions for you. Cost: $25. Time: 30 minutes.

Once youve done all that, how does it work?

A customer goes to your site and reads what you have to say about the e-book. If they decide they want to buy it, they click the “buy now” button and are taken to the digital download site. That site takes their payment and sends the customer back to your site and the download process begins. The digital information seller will send you the money for the book (minus a small fee for payment processing).

Thats it! Its that easy!

And since its that easy, so many people are doing it right now. Do you want in on the action? Do you want to turn your entrepreneur dreams into entrepreneur reality? You can!

And heres a bonus tip for you: You should be able to create one of these businesses every month, just from working one or two weekends on it. If you start now, by this time next year youll have 12 automated businesses making money while you sleep, work, or play!

About the Author: Aaron Hoos is a freelance writer specializing in business writing. He helps entrepreneurs build profitable businesses by providing digital content that they can sell. Visit his site at



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By Charles Leigh Moore

You may be thinking a good way to spend your safari holidays. Maybe going to the great country of South Africa give you the revitalizing feeling. South African safari holidays are among the best activities you can do on your holiday trip. You may think that it is a little bit uncertain to travel a place like this one. But no because this is where real adventure starts.

So how will you put everything into proper place? Here are some city guides and information that can be very helpful to your wander.

You can have a half-day tour and full-day tours at the premiere city destination of South Africa: Johannesburg, Cape Town, Durban and Port Elizabeth. All of these cities are unique in its way of accommodating tourists to discover the abundancy of their natural marvels, history, culture and modernity.

Johhanesburg is known to be the largest city in world not situated in any body of water. You can have a great escape to the modern structures of this city and roam in its suburb with your amazement. To say, it is one of the greenest cities in the world. It gathered a lot of appreciation for its beauty and advancing technologies. This is the city to begin your South African safari holidays. A stop in Johannesburg on your safari holiday will give you a modern taste of adventure. Johannesburg has good travel access to other cities which you can have your safari holidays galore.

What makes Johannesburg recognition is that it had been the home of the 2010 FIFA World Cup.

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Capetown is a populous city which is known for the modernity of its harbors and the richness of its kingdom plantae. You can go whale watching in this awesome city. You can also visit the vast hectares of winelands and take a tour at Garden Route. There are many good destinations in this beautiful place. You can enjoy visiting natural marvels and natural gifts.

Cape Town is not just a famous tourist destination in South Africa but in the whole African continent as well. It is not doubtful then when one day it can be one of the world’s best travel destinations.

Durban is the largest city in South Africa. It is known for its busy ports and good bodies of water. It has been a destination for both historical and natural milestones. It is where the Battlefields where a bloody war in Africa took place and leave relics of historical reminiscence.

It is also a good wildlife destination. Kwazulu-Natal safari, which is one of the best wildlife sanctuaries in Africa, is seated in this very place.

The abundancy of wildlife is not just limited in the realms of Durban. It extends to the city of Port Elizabeth.

Port Elizabeth is tagged as the friendly city and stretches along Algoa Bay. There are vast safaris in this place that boasts the diversity of wildlife. Plus, it is near the Garden Route which boasts its abundancy of lushes and greens.

As far as wildlife is concern, South Africa has hectares of lands that are utilized for wildlife conservation. This is the reason why there are a lot of safaris in the town which can give you a glimpse of magnificent African wildlife.

There are still many destinations in South Africa like the Greater Kruger Park, which is a must -visit, and the Sun City. Book a travel to South Africa. You will never regret your safari holidays.

About the Author: Charles Leigh Moore enjoys writing for which offers

south african safari holidays


african safari honeymoon

as well as a host of additional services.


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