Should You Form an LLC? - I've Tried That

You have a business; should you start an LLC? Here are some of the advantages and disadvantages of this unique business entity.

Let?s say you?re running a small business from your home or in-town office. Maybe you?re a freelance worker, self-employed or just making money in your spare time. Many small business owners and other individuals eventually form LLCs (limited liability corporations); however, is such a move right for you?? Sure, having the LLC distinction on your business may look snazzy, but is it worth the trouble? To answer this question, let?s first consider what an LLC actually is (and isn?t).

A really brief history of the LLC

Way back in ancient 1977, Wyoming businesses petitioned the state to create a commercial enterprise system similar to the German Gesellschaft mit beschrnkter Haftung (GmbH), which itself had been around since 1892. In response, Wyoming passed the LLC Act, which was modeled on the GmbH. What did the German GmbH and the American LLC have in common??Both enterprises allowed businesses to be taxed and run like partnerships while being protected from personal liability like corporations. This new corporate model quickly spread and was enacted across all states. In 1997, the IRS allowed the LLC distinction to be applied not only to partnerships but also sole proprietorships, further validating this business model.

How does the LLC fit into the corporate world?

There are four main types of business entities: sole proprietorship/partnership, LLC, S-corporation and corporation. Here are their distinguishing features:

Sole proprietorship/partnership: You and your partners are the business and are personally responsible for all?of its debts and liabilities. Business profits are ?passed-through? to you and taxed as?your personal income.

LLC: You have limited personal liability for your?business?s financial and legal liabilities. Business profits are still??passed-through? to?you and taxed as personal income.

S-corporation:?This more formal business entity can include?you and your partners?(also known as shareholders) as well as?investors (e.g., venture capitalists). As with an LLC, you are not held personally responsible for business debts and liabilities. Also as with an LLC, profits are subject to Medicare and Social Security taxes unless they are paid out in the form of salaries.

Corporation: This entity is akin to the S-corporation except that profits are taxed twice: once under the corporation, then again when paid out in the form of a salary to you and other corporate shareholders.

Why is the LLC so popular with businesses?

Imagine that, in your spare time, you make rechargeable hand warmer mittens (a personal invention idea of mine). These mittens sell like hot cakes (no pun intended) during the football and hunting seasons, when lots of people are out in the cold for long periods of time. You?re making a handsome profit on these mittens when one of your customers reports that your product shorted his house circuits and set the place on fire. Now that customer is going to sue you over the loss of his house plus hospitalization costs. You end up losing the lawsuit and have to pay damages totaling half a million dollars. Suddenly, your business has cost you everything, including your personal savings and possessions.

How could this situation have been avoided? Had you created an LLC?for your hand warmer business, the LLC would?ve been sued, not you. After losing the court case, the cash and assets of only your LLC would?ve been used to pay off the court?s award to your customer. Your own savings and possessions would?ve remained untouched.

Because many businesses have a high risk of being sued, the LLC has become rather popular in recent years. Likewise, businesses that have multiple partners also form LLCs because this insulates members from the possible bad business decisions of the other members. Other LLC advantages include the following:

Credibility: People and businesses are more likely to treat you as a real business when you carry the LLC designation than when you are only a sole proprietor/partnership. It?s also easier to obtain business loans from banks, credit unions and associations.

Less formality: With corporations, there is an excessive amount of legal and accounting paperwork and record-keeping. The LLC, meanwhile, is more of a ?safe haven?, simply protecting you from personal liability.

Separate entity: The LLC is regarded as a separate entity and can be sold, transferred or inherited.?When you die, the business does not die with you but lives on.

Different profit/loss structure: You and/or your partners can receive different portions of the company?s profits or losses regardless of how much actual company you or they own. This option is not available to shareholders of an S corporation, for example.

Lower tax liability: Business losses can be deducted from your personal income taxes, lowering your tax liability.

Some disadvantages of the LLC include:

Costs: A yearly state fee must be paid in order to maintain the LLC status. Forming the LLC can cost up to $1,000, especially in states like California which charge $800 to submit the business?s Articles of Organization.

Taxes: If you have employees, you must pay unemployment compensation on all those employees,?including yourself. Business profits that are retained in the LLC (as opposed to being paid out as salaries) are subject to Social Security and Medicare taxes. You must also file a tax return for the LLC itself.

IRS scrutiny: Because the IRS may wish to audit your business, separate bank and credit card accounts for the LLC are a must. Creating monthly/yearly fiscal statements for your LLC is also a good idea.

The LLC: To form or not to form?

If your business carries a lot of debt because of capital expenditures and investments, you can best protect yourself by forming an LLC. Likewise, if your business has many partners, an LLC distinction shields you from legal repercussions on account of bad business decisions or even fraud by your partners.

You should also consider how much ?dollar-cost-averaged? tax you will pay for the LLC. Since this type of business is treated as a ?pass-through? tax entity, business earnings are taxed as your personal earned income. Social Security tax on the first $90,000 is subject to a 15.3% tax. A Medicare tax of 2.9% kicks in for all income above $90,000. This means that, if your LLC is earning under $100,000/year,?you?re paying a higher tax rate. However, if the LLC is earning over $100,000/year,?your ?dollar-cost averaged? tax rate is lower.

Source: http://www.ivetriedthat.com/2012/10/15/should-you-form-an-llc/

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University of Tennessee collaborates in study: Dire drought ahead, may lead to massive tree death

Public release date: 15-Oct-2012
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Contact: Whitney Heins
wheins@utk.edu
865-974-5460
University of Tennessee at Knoxville

Evidence uncovered by a University of Tennessee, Knoxville, geography professor suggests recent droughts could be the new normal -- this is especially bad news for our nation's forests

Evidence uncovered by a University of Tennessee, Knoxville, geography professor suggests recent droughts could be the new normal. This is especially bad news for our nation's forests.

For most, to find evidence that recent years' droughts have been record-breaking, they need not look past the withering garden or lawn. For Henri Grissino-Mayer he looks at the rings of trees over the past one thousand years. He can tell you that this drought is one of the worst in the last 600 years in America's Southwest and predicts worst are still to come.

Grissino-Mayer collaborated with a team of scientists led by Park Williams of Los Alamos National Laboratory and others from the U.S. Geological Survey, University of Arizona and Columbia University to evaluate how drought affects productivity and survival in conifer trees in the Southwestern U.S. Their findings are published this month in "Nature Climate Change."

Tree rings act as time capsules for analyzing climate conditions because they grow more slowly in periods of drought and the size of rings they produce vary accordingly. Widely spaced rings indicate wetter seasons and narrow rings indicate drier seasons.

"Using a comprehensive tree-ring data set from A.D. 1000 to 2007, we found that the U.S. has suffered several 'mega-droughts' in the last 1,000 years in the Southwest," said Grissino-Mayer. "But the most recent drought that began in the late 1990s lasted through the following decade and could become one of the worst, if not the worst, in history."

The researchers created a tree-ring-based index that catalogs the drought stress on forests which resolves the contributions of vapor-pressure deficitthe difference between the moisture in the air and how much the air can holdand precipitation. They linked this information to disturbances that cause changes in forests, such as bark-beetle outbreaks, mortality and wildfires and compared these data with their model projections.

"Looking forward to 2050, our climate-forest stress model suggests we will see worse drought and increased tree mortality than we've seen in the past 1,000 years," Grissino-Mayer said. "This drought will be exacerbated by increasing temperatures globally, foreshadowing major changes in the structure and species composition of forests worldwide."

ncreasing temperatures impact the water balance because they exponentially influence how much water evaporates into the atmosphere. More water in the air means less water in the ground. Trees need that water to survive, especially in water-limited areas like the American Southwest.

"We have nothing comparable in the past to today's environment and certainly tomorrow's environment," Grissino-Mayer said. "With increasing drought stress, our forests of tomorrow will hardly resemble our forests of yesterday."

Grissino-Mayer suggests forest management practices will need to adjust to the changes, noting the increased danger for wildfires even in East Tennessee's Great Smoky Mountains.

###

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 15-Oct-2012
[ | E-mail | Share ]

Contact: Whitney Heins
wheins@utk.edu
865-974-5460
University of Tennessee at Knoxville

Evidence uncovered by a University of Tennessee, Knoxville, geography professor suggests recent droughts could be the new normal -- this is especially bad news for our nation's forests

Evidence uncovered by a University of Tennessee, Knoxville, geography professor suggests recent droughts could be the new normal. This is especially bad news for our nation's forests.

For most, to find evidence that recent years' droughts have been record-breaking, they need not look past the withering garden or lawn. For Henri Grissino-Mayer he looks at the rings of trees over the past one thousand years. He can tell you that this drought is one of the worst in the last 600 years in America's Southwest and predicts worst are still to come.

Grissino-Mayer collaborated with a team of scientists led by Park Williams of Los Alamos National Laboratory and others from the U.S. Geological Survey, University of Arizona and Columbia University to evaluate how drought affects productivity and survival in conifer trees in the Southwestern U.S. Their findings are published this month in "Nature Climate Change."

Tree rings act as time capsules for analyzing climate conditions because they grow more slowly in periods of drought and the size of rings they produce vary accordingly. Widely spaced rings indicate wetter seasons and narrow rings indicate drier seasons.

"Using a comprehensive tree-ring data set from A.D. 1000 to 2007, we found that the U.S. has suffered several 'mega-droughts' in the last 1,000 years in the Southwest," said Grissino-Mayer. "But the most recent drought that began in the late 1990s lasted through the following decade and could become one of the worst, if not the worst, in history."

The researchers created a tree-ring-based index that catalogs the drought stress on forests which resolves the contributions of vapor-pressure deficitthe difference between the moisture in the air and how much the air can holdand precipitation. They linked this information to disturbances that cause changes in forests, such as bark-beetle outbreaks, mortality and wildfires and compared these data with their model projections.

"Looking forward to 2050, our climate-forest stress model suggests we will see worse drought and increased tree mortality than we've seen in the past 1,000 years," Grissino-Mayer said. "This drought will be exacerbated by increasing temperatures globally, foreshadowing major changes in the structure and species composition of forests worldwide."

ncreasing temperatures impact the water balance because they exponentially influence how much water evaporates into the atmosphere. More water in the air means less water in the ground. Trees need that water to survive, especially in water-limited areas like the American Southwest.

"We have nothing comparable in the past to today's environment and certainly tomorrow's environment," Grissino-Mayer said. "With increasing drought stress, our forests of tomorrow will hardly resemble our forests of yesterday."

Grissino-Mayer suggests forest management practices will need to adjust to the changes, noting the increased danger for wildfires even in East Tennessee's Great Smoky Mountains.

###

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-10/uota-uot101512.php

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Canada Condemns Attack on Muslim Worshippers in Nigeria

October 14, 2012 - Foreign Affairs Minister John Baird today issued the following statement:

?I'm troubled and shocked by reports of today?s deadly attacks on Muslim worshippers in the Nigerian village of Dogo Dawa. Canada strongly condemns these heinous acts.

?On behalf of all Canadians, I offer my sincere condolences to the families and friends of those killed, and wish a speedy recovery to the injured.

?Our thoughts and prayers are with the people of Nigeria at this time. As I told Minister Olugbenga Ashiru during my visit earlier this week, Canada is committed to working with the government in Abuja to address security challenges in Nigeria.?

- 30 -

For further information, media representatives may contact:

Foreign Affairs Media Relations Office
Foreign Affairs and International Trade Canada
613-995-1874
Follow us on Twitter: @DFAIT_MAECI

Source: http://www.international.gc.ca/media/aff/news-communiques/2012/10/14a.aspx?lang=eng

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Steve Liesman Interviews Erskine Bowles And ... - Business Insider

CNBC screenshot

The big event on CNBC today was Steve Liesman interviewing Goldman Sachs CEO Lloyd Blankfein, Erskine Bowles, and former Alan Simpson on the fiscal cliff and the deficit.

Erskine Bowles and Alan Simpson are the duo behind the eponymous "Eskine-Bowles" debt reduction plan that many folks on both sides of the aisle in DC think is a fabulous framework.

Steve Liesman is CNBC's top-notch economics reporter, who frequently gets flak from Rick Santelli and the internet, because he doesn't knee-jerk hate the Fed, and buy into a lot of popular nonsense.

And it's because Liesman is such a smart guy that he performed the best Simpson-Bowles interview of anyone yet.

See usually, when Bowles and Simpson appear somewhere, they're mostly given softballs that accept the premise of their charge, that the biggest crisis in the economy is the national debt, and that their "pox on both their houses" message is right on. Nobody ever seems to question whether it makes sense for Washington to be spending so much time talking about deficit reduction at a time of 7.8% unemployment and ultra-low borrowing costs.

And yet! That's exactly what Liesman did.

For example, here's a question that almost never gets asked, but which Liesman asked today to Alan Simpson:

Senator, it's hard to look at a 1.6% yield on the 10-year right now to see the money that floods into the U.S. Treasury market any time there's concern about anything in the world and say, you know what? "The deficit's the big problem right now."

Alan Simpson was forced to follow that up with a cliche and then a falsehood...

"Well, we're the healthiest horse in the glue factory... the trajectory of debt, deficit and interest in
this country is exactly the same as the PIIGS countries. except we're lots bigger."

As noted, the glue factory line is just an old cliche (along with cleanest dirty shirt, etc.) and the trajectory of debt, deficits, and interest is not at all the same as in the PIIGS countries.

As Martin Wolf and others pointed out, Spain was running a surplus pre-crisis. It's just a myth that they had some history of fiscal irresponsibility.

PIIGS fiscal profiles aren't comparable to US ones in any way.

Liesman didn't let up, and continued to point out how there was no economic evidence that the national debt is an issue. Very refreshing.

Later on though, Liesman asked a more subtle question...

Lloyd,there's a school of thought that what the fed is doing, buying treasuries, enables the deficit spending that's going on in Washington. do you subscribe to that?

This question is kind of designed to challenge shibboleth that can expose how people think about US fiscal economics.

It was kind of unfortunate that the question was directed to Lloyd, who took an politics-free middle-ground answer... it would have been nice to get a direct response from Simpson and Bowles on this question, as claiming that the Fed enables "reckless spending" is a myth.

After a period of more doom talk from Bowles, Liesman turned to Blankfein again and asked:

"Lloyd, to listen to the situation as laid out by misters bowles and simpson, you wouldn't think we'd have a stock market at an all-time high. if things are in such bad condition, why is the market as it is?"

Blankfein answered that it had a lot to do with interest rates and dividends, but Liesman hung on and pressed on this point about reconciling all this doom and gloom about the debt and the fiscal cliff with the relative confidence of the market. At one point, one of them answered that the market is pricing in a big deal (which seems dubious).

Liesman wasn't out to be confrontational, but it was incredibly refreshing to hear all three of these men interviewed by someone with some real chops on the issue that wasn't going to accept every premise.

You can watch the video here.

This story was originally published by CNBC.

Source: http://www.businessinsider.com/steve-liesman-interviews-erskine-bowles-and-alan-simpson-2012-10

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petermacneillgg: Posts from Womens-Interests:Beauty-Products

We offer Wholesale Beauty Products, Cosmetology Supplies, Professional Beauty Supplies, Food and Drink supplies, wholesale grocery online through our e-supermarket. Beauty products include-Aromatherapy supplies, skincare, haircare, hydrosols, Essential Oils, bath and shower products,Naturals etc. Gauri's Wholesale Boutique online offers the latest trends in Apparel, Fashion and Accessories sector. We have highly discounted offers for Wholesale Fashion clothing. We specialize in Ladies Fashion, Ladies Wear, Ladies Accessories and Ethnic clothing, embroidered suits, ethnic handicrafts, Stoles, scarves, bandanas, folklore jewelry and a range of cheap knives for self defense.

Source: http://earthyessences.wordpress.com/2012/10/11/aromatherapy-essential-oils-extracts-online-posts-from-womens-interestsbeauty-products-articles-from-ezinearticles-com-for-10112012/

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Source: http://petermacneillgg.blogspot.com/2012/10/posts-from-womens-interestsbeauty.html

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Source: http://norri-better.blogspot.com/2012/10/petermacneillgg-posts-from-womens.html

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Korean singer Psy tops UK charts with Internet hit

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Personal Development And Meditation Make Good Working Partners

How about taking a few minutes of your time in order to learn simple steps on improving the rest of your life? If you pay attention to what we have to say, that is what this article can do for you. Read the tips and tricks that we have provided for you, so that you can start to reach your true potential.

You should always strive to be the best in your area. Passion leads to greatness, so be sure to be passionate. No one can be perfect at everything, but we all aspire to provide inspiration to others. Try to boost your worth in your field of work, and enjoy the benefits your self-esteem will get from it.

TIP! A good attitude is essential to personal growth. Bad attitudes usually lead you to some place you would rather not be and nearly always impede progress.

Picture how your life is right now and where you want it to be in the future. See your shortcomings. This is the beginning to starting a journey to a better you. If you can?t figure out what the difference is, chances are you won?t find success in reaching your goals.

You can try writing yourself a motivational speech. Keep a list of your good qualities in your wallet. When things get rough, take the card out, and read over what you have written for inspiration. Even better, you should videotape yourself, reading the list into the camera and watch this video frequently. How will this help?

If you feel you are not making progress, try to see specifically what is keeping you from it. This seems to be hard from some people. You might not be able to find your weakness, but you can find the way to change them. When you take each area and take action to improve it, the path to a better future is much smoother.

TIP! Set realistic, attainable goals for yourself to ensure that you are envisioning an achievable, healthy lifestyle. By discovering your weaknesses and working on them, it is possible to evolve into a better person.

Happiness is often lost to stress. Stress causes both physical and mental damage that increases in severity the longer we experience it. All of us need to have clear, relaxed thinking to enable us to plan and execute our life?s purpose, and this only happens when we let go of stressful thoughts. Set aside a period of time each day when you can be alone, clear your thoughts, and completely relax. This time to yourself can make you feel more peaceful.

Understand what you want from your life. Following through is the next step. You will never create the life you desire by simply fantasizing about it. Start working on your goals and do your best to make them come to fruition.

You can?t please all of the people, and there?s no use in trying. Please yourself first! You should not be selfish and only do what you want with no regards to others, though you do need to take full responsibility for your happiness. Your personal development plan will increase your happiness as long as you uphold your own code of ethics and moral standards.

TIP! Leadership is necessary for personal development. Most people would define leadership to mean someone who has influence over others.

Improving your health is an important aspect of self improvement. A healthy lifestyle includes a healthy diet, exercise and motivation. When you put your health first, you are going to feel better in all areas of your life.

Employers put a greater emphasis on your ability to work, than the name of the school that you attended. A few exceptions do exist to this rule. If you are considering a career in politics, with a large law firm, or for an established hospital, then a well-known school might benefit you. As long as you have a degree, you will have many more options available.

Are you experiencing difficulty meeting romantic partners? Have a look on the Internet. Two out of every five couples meet on the Internet these days. Who knows ? that special someone could be looking for you right now. Each has its good and bad points.

TIP! It is impossible for you to properly care for the ones you love, unless you take care of yourself first. To ensure you can have the energy to care for others, take care of yourself by getting plenty of rest.

Make sure you are constantly seeking new ventures. Discovering new challenges is a great way to open yourself up to new possibilities. You can learn more and acquire new skills. You may even start a new model by doing something that has never been done before. Take on a challenge that is unique and personally meaningful, instead of tackling something that someone else has already accomplished.

Determine which aspects of your life you truly value, and concentrate solely on those. You will find an increased inner peace if you do not dwell on the past or negative encounters, and choose instead to think and act on positive experiences.

When you are engaging in the personal development process, experiencing failure often deals a damaging blow to your self-concept. Failure though, is one of our greatest teachers. Failure helps you learn about weaknesses and strengths. In that sense, every failure should be a point of pride for you, as you have uncovered another piece of your personal puzzle.

TIP! Ask others about their achievements instead of boasting about your own. This will help you to find some of the amazing things that people can accomplish, and help you to respect them more.

Organize your life. You will feel accomplished and your mind will feel clearer. The stress of living in disorganization will also disappear. Being able to find whatever you are looking for is an amazing feeling.

A new trait that has recently come about is called sexual capitol. Right now, it is being research and looked at as important to self improvement. This involves using your wit and charm to help you get the things that you need. Not everyone has great social skills, but these may help you improve all other aspects of your personal life.

If a personal development goal is too vague then it will create a problem. Try to set a goal that is specific. When you have specific goals set, you will find that you get results.

TIP! When you do not calmly handle situations, and overreact, you put your body under needless stress. Analyze the situation carefully, and deal with the stress.

You must stop spending your time worrying. The habit of worrying is really imagining a situation that hasn?t really happened and will most likely not ever happen. Think about the worst possible outcome, and then find a way to deal with that situation. Being prepared gives you the freedom to enjoy your life more fully.

Hopefully you, and those that matter to you, can benefit a lot from this article. Through carefully applying this advice to your life, you will see positive changes that will benefit you for years to come. The bonus that you will receive for your hard work and perseverance will be immeasurable

It is almost impossible to have a happy, healthy mind when your body has been neglected entirely. It is imperative to eat a well-balanced diet, and to get some form of exercise every day. Always remember that healthy minds and bodies walk through life together.

Source: http://www.projectpb.net/blog/index.php/personal_development/personal-development-and-meditation-make-good-working-partners-2/

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