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Tax Planning Spreadsheet

Question: Do I really need a Family budget spreadsheet?

Please help me?
I am an engineer and getting monthly around £1,700 after tax, my wife also works part time and gets around 5 to £600 a month, we also have other incomes, around £300 a month.

However, we are strugling to keep it up.
My monthy rent is £550, live in a 2 bed flat and have a car.
We don’t actually live a high standard life, but at the end of the day we are spending too much.
We do not take any notes how much we spent. My wife will do her shoping, I will do mine, there is no coordination.
I do not smoke, but my wife does. We do not go out that often either, but we spend a lot anyway.

Can any one help me please?
Do I really need a family budget and plan?

Thanks a lot in advance

Answer: Yes, you do need a family budget and plan. The first thing I suggest is to track every cent that you spend for a month. This will be hard, but stick with it! This will show you exactly where your money is going. Also, list all of your monthly expenses, including utilities, groceries, etc. and your monthly revenue. List all of your due dates and compare that to when you get paid. Once you do this, compare your budget to what you tracked for the month. This will show you where you need to cut back your spending. You'll probably be very surprised at how fast the little things that you buy add up each month. Then, once you have your budget, track and see how much you are over or under for a couple of months and this will really help you improve your financial situation.

Session7: Personnel Plan

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High School Fundraising Projects

Question: High School Fundraising Ideas- Please help!?

I am the Treasurer of my high school, and I want to start a fund raising project so that I can help raise money for my school. We have a big student population (~4000 students) so I want to try to get the most students to participate. Originally, I was planning on collecting Box Tops 4 Education, but unfortunately I found that the Box Tops 4 Education Program does not support high schools. So please give me any advice or suggestions/ideas regarding about fund raising. I really want to do a great job as the school’s treasurer, so any suggestion or comment is helpful and much appreciated! Thank you!

Answer: What about a Coffee fundraiser?
Specialty coffee and beverages is an exploding market nationwide and people are going to buy it anyway, therefore, why not have some of the money profit your group/organization. Java Joe's Roasting Company is an upstate New York based coffee roaster, who specializes in fundraising. Organizations will realize a profit of $2.50 or more per bag sold. The products will be customized to promote your organization (free of charge) and there are no set up fees or minimums. This fundraising program is equitable and offers your supporters a first class practical product that is perfect for every day use. Good luck! I hope I was able to help.

p.s. My son's preschool made $2,496 during a 2 week campaign.

WILLY SAN JUAN - RAMON MAGSAYSAY ( CUBAO ) HIGH SCHOOL 2007

Tax Planning Tips 2009

Cairn has discovered 25 oil fields in Rajasthan of which the largest three are Mangala, Bhagyam and Aishwariya. The Cairn Mangala, Bhagyam and Aishwariya (MBA) development project is on track and funded to deliver its first oil from the core Mangala development in the second half of 2009.

Construction of the Mangala Processing Terminal (MPT) is underway with plans for four processing trains targeting a capacity of 205,000 barrels of oil per day (bopd). There is further scope for expansion.

Until the company completes its pipeline project in northern India, Cairn Energy will use hundreds of lorries to take the first oil (30,000 bopd) from its Mangala production to the refineries. Additional Mangala production through trains (50,000 bopd capacity) is to commence in Q4 2009, via an export pipeline. Mangala’s production is scheduled to reach a 125,000 bopd plateau after the train (50,000 bopd capacity) commences in the first half of 2010. Production will be increased in four stages, reaching a plateau of 175,000 bopd in 2011.

Marketing Director Andrew Dyer commented this week “Cairn India is on track for the construction of a 600km insulated and heated pipeline which will allow access to an extensive, existing pipeline infrastructure and refinery network. The pipeline has a final coastal delivery point that also affords access to the majority of India’s refining capacity. In exploration activity, the Government of Sri Lanka has awarded Cairn India with a block of water covering 3000km2 for exploration of oil and natural gas in the Mannar Basin. Its subsidiary, Capricorn, has acquired a leading acreage position offshore West and Southern Greenland and is in the process of building a 10,000km 2D seismic is underway. In March 2009 Cairn Energy raised £116m from institutions by placing 6.5 million shares at 1775.0p, thereby reducing its reliance on troubled credit markets and freedom for further exploration activities. Recently the Iraqi Government announced that Cairn has pre-qualified to participate in the second bid round (greenfield! ) and therefore all subsequent bids.

On daily chart, Cairn has come off from recent high of 2500.0p and is making a positive slope from the November 2008 low. Cairn has also broken upside from a channel between 1700.0p and 2000.0p, which is an encouraging sign. MACD (moving average convergence/divergence) is positive, and 12 day EMA (exponential moving average) has cross below 26 day EMA, indicating a small pullback. 14 day RSI (relative strength index) is above 50 showing strength in trend. 14 day positive DMI (directional moving index) is above 14 day negative and DMI is near 25 indicating uptrend. Stock is also above 20 day and 50 day EMA which supports strength in trend. Stock has strong support near 2000.0p and resistance near 2500.0p.

CSS Partners LLP specialise in tax efficient EIS qualifying Investments. Our Ftse share tips regularly outperform the market as a whole.

In addition to our technically-driven recommendations, we also provide an overview of the business, the investment rationale, financial ratios and a comparison with the FTSE index on each recommendation.

Our recommendations are based on a study of technical indicators and chart patterns on the stocks. In light of the current high volatility and uncertain market situation, we recommend hedging by taking an opposite position on the same stock in the spread trading markets. The hedge is typically 20% to 35% of the target profit, depending upon the volatility of the stock and the spread in the spread trading market. During periods of high market volatility, stop losses may be removed from some recommendations while exit targets are kept to avoid unnecessary losses on share recommendations or investment recommendations.

About the Author:

Andrew Dyer offers a great service and their advisers are always available to customers during business hours should you have any queries.
Their service arguably sets them apart offering a level of service rarely seen by private investors. For additional information please contact CSS Partners via: http://www.csspartners.co.uk

Article Source: ArticlesBase.com – Development Is On Track: FTSE Share Tips

Estate Planning – 2009 End of Year Reminders

Donations Letter Sample

Question: Diabetes, I have got my walk letter wrote out, Where can i find a sample thank you letter for supporting JDRF?

I ‘m lookin for a sample of a letter that someone else has wrote saying thank you for your support and donations in finding a cure for juvenile diabetes.The sample letters for the fundraiser page helped me a lot but i can’t find a thank you one……….. Thanks

Answer: Tiredness can be a symptom of diabetes but is very non specific.
Your age and being overweight does increase your risk
Often a person in your age group will present with infections -commonly thrush/monilia as a vaginitis.. you can also present with a heart attack or stroke as a complication of diabetes. 1% of the population are diabetics another 1% are undiagnosed

The easiest way to set your mind at rest is to see your doctor for a blood/urine test.

Live From Jena w/ Al Sharpton

Tax Planning Ideas

Question: How much Tax would i have to pay if i made Less than 10,000$ last year?

I made 9,300$ last year. How much tax would i have to pay? I am single and i also got last years 600$ stimulus check. Also any idea if the new stimulus plan passes, will i get another stimulus check?

What is the rate for Low income tax(below 10k)
Update: I didnt pay ANY taxes yet. I have the 1099-MISC form. So i will probably have to pay taxes, but im not sure how much yet.
Wouldnt i be taxable for the entire 9300$??? Rather than 1350$???

Answer: To find our your exact return (or close enough to it), use a tax calculator. There are a bunch listed here - http://www.taxseason2009.com/tax-calculator/tax-calculators

tax planning tips