Why Tax Opinions Are Valuable
|
|
- Maximillian McDowell
- 6 years ago
- Views:
Transcription
1 Page 1 of 10 / Taxes Why Tax Opinions Are Valuable JAN 18, 09:12 AM 12,092 VIEWS Robert W. Wood CONTRIBUTOR I focus on taxes and litigation. FOLLOW ON FORBES (1078) Opinions expressed by Forbes Contributors are their own. FULL BIO I write a significant number of tax opinions, so I admit I m biased about their value. Even so, it surprises me how many people pay for a tax opinion without thinking about what they are getting. Conversely, many don t obtain a t i i d it i d
2 Page 2 of 10 It s even puzzling what people mean when they talk about Taxes a tax opinion, since there are different varieties. At a minimum, you should distinguish tax opinions about your own situation from ones attached to an investment program. The latter are quite different from more customized opinions. I ll try to avoid the term tax shelter, since (perhaps appropriately) it has become a dirty word. Tax opinions that are marketed in connection with investment offerings are subject to different standards with the IRS and raise different issues. / Example: Your broker pitches you to buy an interest in an LLC owning railroad cars that will carry special food products. You get a prospectus showing you ll get depreciation and tax credit benefits worth five times your investment in the first 12 months. You can t sell for three years, but who needs sales proceeds when you re getting tax benefits like that! A tax opinion included with the prospectus says it is more likely than not you ll get your tax benefits. You may have had no contact with the law or accounting firm rendering the opinion. You probably don t think of them as looking out for your interests, as they are representing the promoter or sponsor of the investment program. Still, it s clear you re supposed
3 Page 3 of 10 to be impressed by the opinion. You may get your own tax adviser Taxes to formally or informally opine on it too. Considering the role of the marketed tax opinion in such an offering, it is surprising that more investors do not commission their own tax opinion. / Sometimes these investments go bad. That may be because something goes wrong, they were bad to begin with, they were not based on economics, they were really just tax shelters, etc. Investors who originally cared only about tax benefits may now also want investment returns. Alternatively, the IRS may deny the tax benefits despite the tax opinion that promised them. This is a recipe for litigation, and there s been lots of it. Recommended by Forbes FidelityVoice: Think Twice About Delaying Your First MRD Should You Lawyer Up Against The IRS? You Bet There has been much tax shelter activity and litigation over the years. One type of litigation is with the IRS. Another is between investors and promoters if the
4 Page 4 of 10 investment goes under or tax benefits are denied. Taxes / Opinion Standards. Tax opinion standards vary, but generally conform to one of the following choices: Not frivolous = There s a 10% to 20% chance your argument will prevail. Reasonable Basis = There s a roughly one in three chance you ll win. Substantial Authority = There are cases both ways, but there s probably about a 40% chance you ll win. More Likely Than Not = The odds are better than 50% that you ll win. Should = It s about 60% likely that you ll win. Will = Your tax treatment is nearly assured. Under IRS standards, the tax practitioner must assume an audit so the opinion conclusion is not based on audit lottery. In reality, audits occur only rarely. See What s Your IRS Audit Risk? Penalty Protection? One question is the extent to which an opinion will get you out of penalties if the IRS disagrees with your treatment. If an opinion is marketed (like tax shelter opinions), it must say the tax benefits are more likely than not or that they should be upheld to get penalty relief Moreover
5 Page 5 of 10 the author of the opinion can t blindly rely representations Taxes(for example, the investor has a motive to make a profit ) if they are unreasonable. / If an opinion is not of the marketed variety, it can help eliminate penalties even if it only sets forth a reasonable basis for your tax position (provided your position is disclosed on your return). But the highest level of penalty protection would come with an opinion that your position is more likely than not correct or higher. These standards may all seem confusing. What isn t confusing is what most taxpayers want. After all, most taxpayers don t want to end up paying all of the tax and all of the interest associated with a failed tax position, even if they can get the penalties waived! Thus, much of the it s all about the penalties mantra is a red herring. Best Protection? What taxpayers really want is to have their tax position upheld. That makes the best reason to get a tax opinion to help secure your position. An opinion especially one prepared not at tax return time but while you are still effecting the purchase or transaction involved can help put you in the best possible light on both the facts and the law. You can reach me at Wood@WoodLLP com This discussion
6 Page 6 of 10 is not intended as legal advice, and cannot be relied upon Taxes for any purpose without the services of a qualified professional. / Comment on this story Report Corrections Reprints & Permissions SEE ALSO IRS LAWYERS TAX RETURN TAX STUDENT BEST TAX BACK TAXES TAX RELIEF IRS TAX From the Web Ads by Revcontent Remove Your Eye Bags In Under 2 Minutes Homeowners to Receive Pleasant Surprise in 2016! Insanely Bright Militant Like Flashlight - Buffett s Warning: 4.5M Americans Own Ever Look Yourself Up? This New Site is Forget Pensions! 11 Rules for Getting Rich After Leaked: Apple's Boldest Move Yet 2 Dudes On Shark Tank Reveal A Trillion Dollar
7 Page 7 of 10 / NEW Taxes DISCOVER IT OFFER Now Double All Your Cash Back At The End Of Your 1st Year See Terms. 3 Cards Every Business Traveler Should Have In Their Wallet JAN 12, 12:00 PM 16,591 VIEWS The Points Guy CONTRIBUTOR I write about leveraging miles, points and travel deals FOLLOW ON FORBES (1) Opinions expressed by Forbes Contributors are their own. FULL BIO While traveling for pleasure affords plenty of opportunities to earn points and miles as well as chances to redeem for free flights and hotel nights business travel can be an even more lucrative way to rack up rewards. Below, you ll find my top three picks for the credit cards that deserve a place in every business traveler s wallet. Open An Account
8 Page 8 of 10 New Discover it Offer / Taxes Now Double All Your Cash Back At The End Of Your 1st Year See Terms. MIAMI, FL JUNE 03: A general view as American Express celebrates the opening of the Centurion Lounge at Miami International Airport on June 3, 2015 in Miami, Florida. (Photo by John Parra/Getty Images for American Express) Chase Sapphire Preferred This card earns double points on all travel and dining charges, but the real value comes from the Chase Ultimate Rewards program s transfer partners. The points you earn on this card can be redeemed directly with 10 different hotel and airline brands, including British Airways, Hyatt and United. The Chase Sapphire Preferred also offers some great perks for peace of mind, including primary car rental insurance, trip cancellation insurance and lost luggage reimbursement The Platinum Card from American Express For frequent travelers, this card offers a host of perks and benefits worth using. First up is an annual $200 airline fee credit, which can be used to cover baggage fees, in-flight purchases and
9 Page 9 of 10 even to buy gift cards on Amazon. Plus, the Platinum Card Taxes includes access to Centurion lounges some of the most comfortable places to pass time before a flight as well as Airspace Lounge locations and Delta SkyClubs when you re traveling with Delta. / While there are too many benefits to list here, two other standout perks are complimentary elite status with Hilton and Starwood. With automatic Gold status in each loyalty program, you can enjoy free internet access, late checkout and bonus points on stays. Recommended by Forbes MOST POPULAR Photos: The Richest Person In Every State PAGE 1 / 2 Continue Comment on this story Report Corrections Reprints & Permissions SEE ALSO BEST TRAVEL APPLY FOR SECOND CREDIT CARD PAY CREDIT CORPORATE UNITED AMEX CARD From the Web Ads by Revcontent
10 Why Tax Opinions Are Valuable - Forbes#2715e4857a0b582f91c76c8c#2715e4857a0... Page 10 of 10 / Taxes Remove Your Eye Bags In Under 2 Minutes Homeowners to Receive Pleasant Surprise in 2016! Insanely Bright Militant Like Flashlight - Buffett s Warning: 4.5M Americans Own Ever Look Yourself Up? This New Site is Forget Pensions! 11 Rules for Getting Rich After Leaked: Apple's Boldest Move Yet 2 Dudes On Shark Tank Reveal A Trillion Dollar
ATB Financial World Elite MasterCard. Membership Benefits and Privileges
ATB Financial World Elite MasterCard Membership Benefits and Privileges The premium, full-flex, all-inclusive MasterCard Contents With its flexible rewards, unlimited earnings, an exclusive annual bonus
More informationBoosting Credit Card Rewards with Shopping Offers and Category Bonuses. Deals We Like
Boosting Credit Card Rewards with Shopping Offers and Category Bonuses Deals We Like What s This Session About Statement credit offers Credit card quarterly bonus offers Best credit card to use per spend
More informationGUIDE TO BENEFITS MERIDIAN VISA INFINITE* TRAVEL REWARDS CARD M40005 (12/16)
GUIDE TO BENEFITS MERIDIAN VISA INFINITE* TRAVEL REWARDS CARD M40005 (12/16) WELCOME Your new Meridian Visa Infinite Travel Rewards Card is your key to earning the exclusive privileges you deserve. You
More informationHow to Strategically Manage Your Debt
Debt. Funny how four little letters can feel so dirty. Most of us have it in one shape or another, but none of us like to talk about it. Debt can get us into trouble, especially if it is unplanned and
More informationUBS cards overview. UBS Visa Signature credit card
UBS cards overview The UBS Visa Infinite and s give you access to more of what you want a flexible rewards program, exclusive Visa Signature and Infinite benefits 18 and access to cash at ATMs and banks
More informationGUIDE TO BENEFITS MERIDIAN VISA * PLATINUM CASH BACK CARD M40002 (11/16)
GUIDE TO BENEFITS MERIDIAN VISA * PLATINUM CASH BACK CARD M40002 (11/16) WELCOME Your new Meridian Visa Platinum Cash Back Card is your key to earning the platinum-level privileges you deserve. You ll
More informationYour Peace of Mind Audit Protection Plan Also Includes Tax Identity Fraud Recovery
Frequently Asked Questions What happens when I receive an audit notice or letter? As soon as you receive a notice or audit letter from the IRS, give us a call immediately so we can start resolving the
More informationACTIVITY 7: FINANCING
ACTIVITY 7: FINANCING LESSON OVERVIEW: Complete the following: Activity 7.1: Notes Credit Card Statement Activity 7.2: Sample Check and Savings Account Application, and Research Activity 7.3: How to Select
More informationFirst Timer s Guide: Credit Cards. Used the right way, your credit card can be your new financial BFF.
First Timer s Guide: Credit Cards Used the right way, your credit card can be your new financial BFF. Like most things, with great power comes great responsibility. And credit cards are no different. Used
More informationHow 'Platinum' And 'Gold' Credit Cards Lost Their Shine
/ Investing The Little Black Book of Billionaire Secrets MAY 12, 2016 @ 05:13 PM 2,404 VIEWS How 'Platinum' And 'Gold' Credit Cards Lost Their Shine Claire Tsosie, CONTRIBUTOR I write about credit cards.
More informationReward points for bank of america credit card
Reward points for bank of america credit card Trip Insurance: It's always important to have trip insurance since you never know when your travel plans will go awry. This card provides reimbursement of
More informationThe spending maze Try - Activities BBC British Council 2004
The spending maze Cut up the cards and put the number of each card on the back. Then give the students card 1 to read. 1. You work full-time in a computer business, TechnoZone. One day, you buy a one-euro
More informationTerms and Conditions:
An American Express Charge Card account is subject to application and available with a range of card options. The Platinum Card carries an annual cardmembership fee of US$550/ 550/ 300. Alternative card
More informationExplore without compromise. Welcome to the rewarding privileges of the UBS Visa Signature credit card
Explore without compromise Welcome to the rewarding privileges of the UBS Visa Signature credit card No annual fee* New chip technology Fly for fewer points on any commercial airline No blackout dates
More informationGUIDE TO BENEFITS MERIDIAN VISA * US DOLLAR CARD M40006 (11/16)
GUIDE TO BENEFITS MERIDIAN VISA * US DOLLAR CARD M40006 (11/16) WELCOME Your new Meridian Visa US Dollar Card is your key to earning the privileges you deserve whenever you visit and make purchases in
More informationSample Individualized Action Plan For Mileage-Earning. Last Updated 5/15/18
Sample Individualized Action Plan For Mileage-Earning Last Updated 5/15/18 2 Overview Your yearly points earning rate and redemption value should increase by 75% per year. You have a great potential to
More informationA CARD FOR EVERY NEED
A CARD FOR EVERY NEED Credit cards are useful even essential in so many ways. They make life easier when you need to book a vacation or pay for a purchase. All our credit cards have a variety of features
More informationTable of Contents. Copyright Information. About the Author. Objective. Introduction to ObamaCare. You Have Choices. Scenario One.
by John Mark Table of Contents Copyright Information About the Author Objective Introduction to ObamaCare You Have Choices Scenario One Scenario Two Scenario Three Conclusion Copyright Information Copyright
More informationT. Rowe Price 2015 FAMILY FINANCIAL TRADE-OFFS SURVEY
T. Rowe Price 2015 FAMILY FINANCIAL TRADE-OFFS SURVEY Contents Perceptions About Saving for Retirement & College Education Respondent College Experience Family Financial Profile Saving for College Paying
More informationRetirement Investments Insurance. Pensions. made simple TAKE CONTROL OF YOUR FUTURE
Retirement Investments Insurance Pensions made simple TAKE CONTROL OF YOUR FUTURE Contents First things first... 5 Why pensions are so important... 6 How a pension plan works... 8 A 20 year old needs to
More informationc» BALANCE c» Financially Empowering You Credit Matters Podcast
Credit Matters Podcast [Music plays] Nikki: You re listening to Credit Matters. Hi. I m Nikki, your host for today s podcast. In today s world credit does matter. In fact, getting and using credit is part
More informationMOCK NEGOTIATIONS: WAIVER OF CONSEQUENTIAL DAMAGES
MOCK NEGOTIATIONS: WAIVER OF CONSEQUENTIAL DAMAGES DPRCG Loss Prevention Role Play Exercise a fun and effective tool to help you convey important negotiation tips and loss prevention info to your staff
More informationMcCombs Knowledge To Go. January 12, 2015
McCombs Knowledge To Go January 12, 2015 Financial Overview for Young Alumni: Achieve Your Goals by Kelly Kamm, Ph.D. Finance Senior Lecturer, Department of Finance, McCombs My Background & Choices Ph.D.
More informationSTOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN
STOP RENTING AND OWN A HOME FOR LESS THAN YOU ARE PAYING IN RENT WITH VERY LITTLE MONEY DOWN 1. This free report will show you the tax benefits of owning your own home as well as: 2. How to get pre-approved
More informationBudgeting 101: Why Planning Ahead Pays Off
family wealth perspectives Budgeting 101: Why Planning Ahead Pays Off You re about to discover n An easier way to save money n How to make your savings grow faster n Information about credit cards and
More informationYOU ARE NOT ALONE Hello, my name is <name> and I m <title>.
So I know why you re here: I bet you ve got some questions about your money: what to do with it, how to make the most of it and how to hopefully get more of it. You ve got questions and the good news is
More informationUnderstanding Money. Money 101. Money 101 What is debt? Savings and Investments
Understanding Money Money 101 What is debt? Savings and Investments Money 101 Let s face it, you need money. To get it, you will need to earn it. How much you need depends on where you live, your expenses,
More informationmanchester capital management
THE SAM LETTER manchester capital management Welcome TO Manchester Capital s SAM: Stuff About Money! In this issue we re going to talk about Credit by looking into the lives of one SAM family. The goal
More informationTravel Procedures can be found on the Financial Services Travel Information page.
ADMINISTRATIVE POLICY Policy Title: INTERNATIONAL TRAVEL This policy provides guidelines for employees traveling internationally on College business and seeking reimbursement for business expenses. International
More informationECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF
ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF GOT A LITTLE BIT OF A MATHEMATICAL CALCULATION TO GO THROUGH HERE. THESE
More informationPROFITING WITH FOREX: BONUS REPORT
PROFITING WITH FOREX: BONUS REPORT PROFITING WITH FOREX: The Most Effective Tools and Techniques for Trading Currencies BIG PROFITS COME FROM LETTING YOUR WINNERS RUN S. Wade Hansen Two axioms pervade
More informationPNC Premier Traveler SM Reward Program
K-5620 Premier TravelerTerms & Conditions 8/13 Notice of Reward Program Changes Beginning December 9, 2013: Qualifying for the 25% Bonus with a PNC Bank Performance Checking Account or a Virtual Wallet
More informationExclusive Offers for Employees of Qatar Gas
Exclusive Offers for Employees of Qatar Gas Welcome At Commercial Bank we provide tailored financial solutions that help you get the most out of life. Our wide range of products and services are supported
More informationYour Guide to Executive Rank
Your Guide to Executive Rank What Is an Executive Rank? Executive ranks (and the benefits that go with them) are reserved for Gold Directors and above who earn consistently at their level. We created these
More informationDo asset management accounts really benefit investors and what are some of the major benefits of Corestone that I can highlight to my clients?
Corestone GENERAL Do asset management accounts really benefit investors and what are some of the major benefits of Corestone that I can highlight to my clients? Investors can benefit from the many great
More informationHer parents know the strength of The Rock. Many years from now, she ll know it too.
Her parents know the strength of The Rock. Many years from now, she ll know it too. At Prudential, our promise to be there is as strong as ever. Through a combination of fundamental business strength,
More informationWelcome to the world of Citigold
Enjoy a unique position of access and privilege, where clear thinking and individual understanding brings your bank home, to you. With investment and banking products, exclusive benefits and services,
More informationWHAT IS INSURANCE? South African Insurance Association
WHAT IS INSURANCE? South African Insurance Association Introduction You ve probably heard the word insurance advertised on the TV, radio, newspapers and even in some magazines. Companies try and sell it
More informationInk Bold with Ultimate Rewards Program Agreement
Rewards Program Agreement Updates. As of 11/13/2016, we ve changed the way we describe the value of your points when you redeem for travel through Chase Ultimate Rewards. 100 points continues to be worth
More informationAMERICAN CREDIT CARD SOLUTIONS
page 1 / 5 page 2 / 5 american credit card solutions pdf Apply for Marriott Bonvoy Business American Express Card to avail silver elite status, 6X points for every dollar spent at Marriott Bonvoy hotels
More informationTravel Procedures can be found on the Financial Services Travel Information page.
ADMINISTRATIVE POLICY Policy Title: TRAVEL This policy provides guidelines for employees traveling within the United States on College business, including local travel. (Employees travelling internationally
More informationWelcome to your new ManulifeMONEY+ Visa Infinite * Card GET CASHBACK REWARDS AND TRAVEL BENEFITS IN ONE
Welcome to your new ManulifeMONEY+ Visa Infinite * Card GET CASHBACK REWARDS AND TRAVEL BENEFITS IN ONE Welcome and congratulations! You ve just chosen an outstanding cash back credit card your new ManulifeMONEY+
More informationTax Saving Tactics for Salary Earners
Taxcafe.co.uk Tax Guides Tax Saving Tactics for Salary Earners Christopher Field FCCA Important Legal Notices: Published by: Taxcafe UK Limited 67 Milton Road Kirkcaldy KY1 1TL Tel: (0044) 01592 560081
More informationTOP 10 TIPS TO PROTECT YOUR
TOP 10 TIPS TO PROTECT YOUR Life Savings from unethical financial advisors Choosing an investment advisor to manage your retirement portfolio is a big decision one that will directly affect how comfortably
More informationCommonInterest. Born from a passion for rewarding members.
Summer 2018 CommonInterest Your Michigan Schools & Government Credit Union quarterly newsletter Introducing the MSGCURewards Card CASH BACK TRAVEL MERCHANDISE Born from a passion for rewarding members.
More informationMoney Math for Teens. Before You Choose a Credit Card
Money Math for Teens Before You Choose a Credit Card This Money Math for Teens lesson is part of a series created by Generation Money, a multimedia financial literacy initiative of the FINRA Investor Education
More informationScenic Video Transcript End-of-Period Accounting and Business Decisions Topics. Accounting decisions: o Accrual systems.
Income Statements» What s Behind?» Income Statements» Scenic Video www.navigatingaccounting.com/video/scenic-end-period-accounting-and-business-decisions Scenic Video Transcript End-of-Period Accounting
More informationIf you are over age 50, you get another $5,500 in catch-up contributions. Are you taking advantage of that additional amount?
Let s start this off with the obvious. I am not a certified financial planner. I am not a certified investment counselor. Anything I know about investing, I ve learned by making mistakes, not by taking
More informationConsultation on Residential Leases: Fees on Transfer of Title, Change of Occupancy and Other Events. Background Paper 3 Mystery Shopping Report
Consultation on Residential Leases: Fees on Transfer of Title, Change of Occupancy and Other Events Background Paper 3 Mystery Shopping Report October 2015 Buyer s Survey: Report 1 of 12 Report on a research
More informationYour RBC Avion Visa Infinite Business
Your RBC Avion Visa Infinite Business Benefits Guide Your RBC Avion Visa Infinite Business card is so much more than what you would expect out of a business credit card. Designed to help you make the most
More informationUpdated Sabo Travel and Meal Policies.
Updated Sabo Travel and Meal Policies. The Student Activities Business Office will reimburse students for reasonable, necessary, appropriate and approved travel and business expenses incurred in the performance
More informationbvrla.co.uk your guide to renting a car
bvrla.co.uk your guide to renting a car Whether for business or leisure, car rental is a very popular way of getting where you need to go. In 2008, Britons hired an estimated 12 million cars in the UK
More informationA program that offers you LAK Points every time you use your AlAhli Credit Card. You will earn points according to the following 2 2.
Dear Wessam Platinum Member, Thank you for choosing NCB as your financial solutions provider, and for choosing the AlAhli Credit Card as your preferred payment card. We are pleased to present to you the
More informationHOW YOU CAN INVEST YOUR MONEY IN TODAY S MARKET THROUGH PRIVATE MONEY LENDING
HOW YOU CAN INVEST YOUR MONEY IN TODAY S MARKET THROUGH PRIVATE MONEY LENDING Legal Notice Copyright Notice. All rights reserved. No part of this publication may be reproduced or transmitted in any form
More informationTravel Card Comparison: Rewards and Benefits Ɨ
Travel Comparison: Rewards and Benefits Ɨ Page 1 of 5 Express ± Visa Infinite * Debit Visa * Visa * Key Rewards and Benefits Earn 4 Scotia every $1 you spend at eligible gas stations, grocery stores, on
More informationRead slide / introduce seminar.
Read slide / introduce seminar. Introduce yourself as a Registered Representative of Voya Financial Partners or Voya Financial Advisers (as applicable). 1 Retirement Advisory Distribution and Tax Sheltered
More informationHow to redeem us bank visa world points
How to redeem us bank visa world points How to redeem us bank visa world points Each month, six entries will be awarded FlexPoints. Discount applies to base rate only. Discount available at participating
More informationsteady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Platinum Mastercard
Ready, steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Platinum Mastercard Important information Your Air New Zealand Airpoints TM Platinum Mastercard (or Airpoints credit
More informationScripture Secrets Special Report 1 Hundreds of thousands from a forgotten document just laying around your home?
Scripture Secrets Special Report 1 Hundreds of thousands from a forgotten document just laying around your home? Copyright TML Group, LLC. All rights reserved. Protected by copyright laws of the United
More informationEVERY INDIVIDUAL SUCCESS STORY HAS ITS OWN SUPPORTING CAST. Introducing HSBC Advance. Banking that puts you a step ahead
EVERY INDIVIDUAL SUCCESS STORY HAS ITS OWN SUPPORTING CAST Introducing HSBC Advance Banking that puts you a step ahead Welcome to HSBC Advance The service that aims to satisfy all your banking needs today,
More information4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT!
SPECIAL REPORT: 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT! Provided compliments of: 4 Big Reasons You Can t Afford To Ignore Business Credit Copyright 2012 All rights reserved. No part of
More informationWealth Management Banking Offer. Enjoy a world of exclusive benefits
Wealth Management Banking Offer Enjoy a world of exclusive benefits 02 Wealth Management Banking Offer 03 Solutions designed with you in mind What are your needs? Whether you are looking for banking services,
More informationBy JW Warr
By JW Warr 1 WWW@AmericanNoteWarehouse.com JW@JWarr.com 512-308-3869 Have you ever found out something you already knew? For instance; what color is a YIELD sign? Most people will answer yellow. Well,
More informationNOVEMBER 2017 THE CURRENT SHAPE OF TAX REFORM
NOVEMBER 2017 THE CURRENT SHAPE OF TAX REFORM While much remains to be done, the President and the majority of Congress have articulated their plan for tax reform. The draft bill includes significant tax
More informationRisk Disclosure and Liability Disclaimer:
Risk Disclosure and Liability Disclaimer: The author and the publisher of the information contained herein are not responsible for any actions that you undertake and will not be held accountable for any
More informationFrequently Asked Questions for HSBC Premier World Travel Mastercard Credit Card (Premier Travel Credit Card)
Frequently Asked Questions for HSBC Premier World Travel Mastercard Credit Card (Premier Travel Credit Card) Card Features 1. What does this card offer? The Premier Travel Credit card offers various overseas
More informationSix Tax Planning Strategies To Prepare For A Trump Presidency
Page 1 of 8 Tony NittiContributor I focus on tax policy, court decisions and planning opportunities. Opinions expressed by Forbes Contributors are their own. TAXES 11/13/2016 @ 2:43PM 15,447 views Six
More informationCall: or Visit us at: LaughlinUSA.com
Welcome We wanted to give our thanks in advance to the readers of this whitepaper who are moved to comment, share, blog or generally discuss the contents herein. We encourage you to reach out and share
More informationWorkbook 3. Borrowing Money
Workbook 3 Borrowing Money Copyright 2019 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD
More information10 Most Expensive Tax Mistakes That Cost Real Estate Agents Thousands!
10 Most Expensive Tax Mistakes That Cost Real Estate Agents Thousands! Julie L. Bohn, CPA Are you satisfied with the amount of taxes you pay? Are you confident that you re taking advantage of every available
More informationStock investing became all the rage during the late 1990s. Even tennis
In This Chapter Knowing the essentials Doing your own research Recognizing winners Exploring investment strategies Chapter 1 Exploring the Basics Stock investing became all the rage during the late 1990s.
More information20 Mortgage. Mistakes. Top. Home Buyers Make. (and How to Avoid Them) $49.00
$49.00 Buying a home is the biggest investment most of us will ever make. Unfortunately, it s also the greatest opportunity to make a bad decision that could end up costing thousands of dollars. Top 20
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationTop 20 Mortgage Mistakes Home Buyers Make (and How to Avoid Them)
Top 20 Mortgage Mistakes Home Buyers Make (and How to Avoid Them) Buying a home is the biggest investment most of us will ever make. Unfortunately, it s also the greatest opportunity to make a bad decision
More informationTRAVEL POLICIES. The American Society of Plastic Surgeons The Plastic Surgery Foundation Plastic Surgery Practice Solutions
TRAVEL POLICIES The American Society of Plastic Surgeons The Plastic Surgery Foundation Plastic Surgery Practice Solutions January 2018 Purpose The purpose of this policy is to define procedures and processes
More informationAMO. More money in your pocket
Revolution Home Loan An AMO Revolution Home Loan gives you a 100% offset account on either a fixed or variable rate loan with no restrictions. Most other lenders only offer an offset account with a variable
More information2011 Guide to Medicare
2011 Guide to Medicare What you need to know now Look to Highmark to keep you informed. At Highmark Blue Shield, we feel strongly that it s our responsibility to give you the information you need to make
More informationBeyond Rewards Program Rules for MERRILL+ Visa Signature Credit Card
Beyond Rewards Program Rules for MERRILL+ Visa Signature Credit Card TABLE OF CONTENTS REWARDS PROGRAM OVERVIEW Page 1 TRAVEL REWARDS Page 2 CASH REWARDS Page 4 GIFT CARD REWARDS Page 6 CONCIERGE Page
More informationLesson 5: Credit and Debt
Lesson 5: Credit and Debt debt: something owed to a person or an organization credit: the privilege granted to approved clients to receive goods or services and to pay for them in the future In February
More informationUNITED STATES DISTRICT COURT FOR THE DISTRICT OF MASSACHUSETTS
UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MASSACHUSETTS You Are Receiving This Notice Because American Airlines May Have Incorrectly Charged You to Check Bags, and You May Be Entitled to A Refund
More informationIRP Expense Reimbursement Policy
IRP Expense Reimbursement Policy Adopted by IRP Board of Directors: 05/09/2011 Revision approved January 2018 The International Registration Plan, Inc. reserves the right to revise or discontinue this
More informationWhy casino executives fight mathematical gambling systems. Casino Gambling Software: Baccarat, Blackjack, Roulette, Craps, Systems, Basic Strategy
Why casino executives fight mathematical gambling systems Casino Gambling Software: Baccarat, Blackjack, Roulette, Craps, Systems, Basic Strategy Software for Lottery, Lotto, Pick 3 4 Lotteries, Powerball,
More informationPROJECT PRO$PER. The Basics of Building Wealth
PROJECT PRO$PER PRESENTS The Basics of Building Wealth Investing and Retirement Participant Guide www.projectprosper.org www.facebook.com/projectprosper Based on Wells Fargo's Hands on Banking The Hands
More informationPenny Stock Guide. Copyright 2017 StocksUnder1.org, All Rights Reserved.
Penny Stock Guide Disclaimer The information provided is not to be considered as a recommendation to buy certain stocks and is provided solely as an information resource to help traders make their own
More informationPolicy: Staples Global Travel & Business Expense Policy
Policy Highlights 1. Associates must use Staples designated travel agency for all business travel arrangements. Use of commercial internet booking sites is not permitted. 2. Associates must book the lowest
More informationWelcome to the HSBC Advance Mastercard credit card
Welcome to the HSBC Advance Mastercard credit card Jump into life s next great adventure. Welcome Your HSBC Advance Mastercard credit card is designed for your everyday use, with an outstanding Rewards
More informationCredit Cards That Offer Rebates and Rewards: Issues for Credit Revolvers and Non-Revolvers
Credit Cards That Offer Rebates and Rewards: Issues for Credit Revolvers and Non-Revolvers Robert N. Mayer, University of Utah Introduction For a fleeting period in the late 1980s, it was fairly easy to
More informationTaking Control of Your Money. Using Credit Wisely
Taking Control of Your Money Using Credit Wisely Session 4: Using Credit Wisely To help you stay financially healthy you need to understand credit. Credit is access to money that belongs to lenders (e.g.
More informationCP#4-03 Members & Volunteer Travel Reimbursement Policy
CP#4-03 Members & Volunteer Travel Reimbursement Policy Approved: 01/17/04 Revised: 03/21/09 1.0 Purpose of Council Policy: In order to achieve the mission of the ICC, it is necessary for, committee s
More informationAARP Credit Card from Chase Rewards Program Agreement
Rewards Program Agreement Updates. As of 10/18/2017, we ve removed the 2,000 points cash minimum redemption amount and made clarifying updates in the Cash redemption section within How you can use your
More informationThe Problems With Reverse Mortgages
The Problems With Reverse Mortgages On Monday, we discussed the nuts and bolts of reverse mortgages. On Wednesday, Josh Mettle went into more detail with some of the creative uses for a reverse mortgage.
More informationNobleHour Sponsors The 23rd Annual National
Page 1 of 6 Home Credit Cards Insurance CD Rates Credit Score Stocks Subscribe By RSS About DailyMarkets.com» Financial News» NobleHour Sponsors The 23rd Annual National Service- Learning Conference NobleHour
More informationNo duplication of transmission of the material included within except with express written permission from the author.
Copyright Option Genius LLC. All Rights Reserved No duplication of transmission of the material included within except with express written permission from the author. Be advised that all information is
More informationThe 5 Do s and 5 Don ts of Trading as a Home Business
The 5 Do s and 5 Don ts of Trading as a Home Business Welcome to your introduction to Trading from Home from the International Day Trading Academy (www.idta.com.au) Our Truth about Business, Trading, and
More informationGet your signup bonus more quickly with these 30 tips.
Getting approved for a new credit card with a massive sign-up bonus is an exciting moment. The only obstacle between you and those points/miles is the minimum spending. If you are new to earning credit
More informationFinance 527: Lecture 35, Psychology of Investing V2
Finance 527: Lecture 35, Psychology of Investing V2 [John Nofsinger]: Welcome to the second video for the psychology of investing. In this one, we re going to talk about overconfidence. Like this little
More informationEarn Points on Travel, Dining & More with Membership Rewards
Earn Points on Travel, Dining & More with Membership Rewards Earn Points Earn 1 point for every 100 yen of eligible purchases charged on your Corporate Card. Charges may not be eligible for points or conversion
More informationSan Benito Consolidated Independent School District
San Benito Consolidated Independent School District Subject: 2011-2012 Travel Procedures Criteria In order for travel to be eligible for appropriation, it should be: A. Necessary or mandated by federal,
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationGUIDE TO BENEFITS MERIDIAN VISA * CASH BACK CARD M40001 (11/16)
GUIDE TO BENEFITS MERIDIAN VISA * CASH BACK CARD M40001 (11/16) WELCOME Your new Meridian Visa Cash Back Card is your key to earning cash back and more for simply making everyday purchases. You ll be
More information