Enjoy a compilation of all the power-point presentations that were covered at The LIBRE Institute Financial Power Breakfast on Saturday, January 23rd, 2016.
The LIBRE Institute- Habits of Financially Successful Individuals Josselin Castillo
This document discusses financial planning considerations for Hispanics. It notes that the Hispanic population in the US is growing rapidly and will continue to grow significantly in coming decades. Hispanics have some different financial priorities than the general population, such as saving for children's education and caring for family members. Hispanics also have lower levels of financial product ownership and retirement savings. The document provides tips for choosing a financial planner and healthy financial habits.
The LIBRE Institute seeks to strengthen Hispanic communities through programs focused on economic prosperity, education, faith, and family. Its Economic Prosperity Pillar aims to increase independence and self-sufficiency within the Hispanic community by educating them on financial wellness and entrepreneurship. As the Hispanic population in the US grows significantly, family businesses will play an important role in the economy and Hispanic families. However, many Hispanic family businesses lack succession plans, putting their long-term viability at risk.
1) Poverty remains a major global problem, with half of the Philippines' population of over 100 million living below the poverty line.
2) Political parties from Asia and other regions gathered in China to discuss poverty alleviation, and learned from China's success in lifting over 240 million people out of poverty through government investment and programs.
3) The document proposes that the Philippine political party PDP Laban take a leading role in poverty alleviation efforts, including supporting funds for microfinance and anti-poverty programs, debt restructuring, and leveraging technology and education to empower youth and promote development.
The Institute of Financial Consultants is a global organization that offers the Certified Financial Consultant designation through an online educational program. The CFC program is designed for experienced financial professionals looking to advance their careers across various financial areas. Membership in IFC is open to those with at least three years of experience in the financial field.
This document outlines the Equitable Wealth Initiative, which aims to help working African American women build wealth through homeownership and financial literacy. It notes that homeownership and retirement accounts are key determinants of household wealth but have been elusive for many African American women due to financial illiteracy, home loan discrimination, and wage disparities. The initiative seeks to address this by providing financial wellness programs, wealth building education, and help establishing generational wealth strategies. It plans to fund these programs through donations to purchase homes for participants and facilitate their sale through affordable agreements in order to help the women invest savings into retirement accounts.
Every nonprofit has Middle Class Millionaires actively involved in and supporting the organization. Do you know who they are? Harold Pinkham will help you discover how to leverage your board and volunteers to help you find, motivate, and inspire these “under the radar” prospects.
The LIBRE Institute- Habits of Financially Successful Individuals Josselin Castillo
This document discusses financial planning considerations for Hispanics. It notes that the Hispanic population in the US is growing rapidly and will continue to grow significantly in coming decades. Hispanics have some different financial priorities than the general population, such as saving for children's education and caring for family members. Hispanics also have lower levels of financial product ownership and retirement savings. The document provides tips for choosing a financial planner and healthy financial habits.
The LIBRE Institute seeks to strengthen Hispanic communities through programs focused on economic prosperity, education, faith, and family. Its Economic Prosperity Pillar aims to increase independence and self-sufficiency within the Hispanic community by educating them on financial wellness and entrepreneurship. As the Hispanic population in the US grows significantly, family businesses will play an important role in the economy and Hispanic families. However, many Hispanic family businesses lack succession plans, putting their long-term viability at risk.
1) Poverty remains a major global problem, with half of the Philippines' population of over 100 million living below the poverty line.
2) Political parties from Asia and other regions gathered in China to discuss poverty alleviation, and learned from China's success in lifting over 240 million people out of poverty through government investment and programs.
3) The document proposes that the Philippine political party PDP Laban take a leading role in poverty alleviation efforts, including supporting funds for microfinance and anti-poverty programs, debt restructuring, and leveraging technology and education to empower youth and promote development.
The Institute of Financial Consultants is a global organization that offers the Certified Financial Consultant designation through an online educational program. The CFC program is designed for experienced financial professionals looking to advance their careers across various financial areas. Membership in IFC is open to those with at least three years of experience in the financial field.
This document outlines the Equitable Wealth Initiative, which aims to help working African American women build wealth through homeownership and financial literacy. It notes that homeownership and retirement accounts are key determinants of household wealth but have been elusive for many African American women due to financial illiteracy, home loan discrimination, and wage disparities. The initiative seeks to address this by providing financial wellness programs, wealth building education, and help establishing generational wealth strategies. It plans to fund these programs through donations to purchase homes for participants and facilitate their sale through affordable agreements in order to help the women invest savings into retirement accounts.
Every nonprofit has Middle Class Millionaires actively involved in and supporting the organization. Do you know who they are? Harold Pinkham will help you discover how to leverage your board and volunteers to help you find, motivate, and inspire these “under the radar” prospects.
This document discusses strategies for strengthening fundraising programs, with a focus on securing major gifts from various donor prospects. It begins with historical context on philanthropy in the US. The bulk of the document then provides details on potential donor prospects like entrepreneurs, women, LGBT individuals, minorities, and baby boomers. It outlines commonalities among entrepreneurial donors and challenges they may face. The document concludes with describing the major gifts fundraising process and skills needed for fundraising.
In 2016, JUST Capital surveyed nearly 4,000 Americans from all regions and walks of life, in its second annual Poll on Corporate America. Fully weighted to the U.S. Census, our annual survey was established in 2015 to give the American people a greater voice in the dialogue on business culture and understand what matters most to the public when it comes to corporate behavior. Since 2015, we’ve surveyed over 50,000 Americans to find out what they believe makes for a JUST company. Our study is one of the largest of its kind ever undertaken.
The LIBRE Institute seeks to strengthen Hispanic communities through economic prosperity programs. It aims to educate Hispanics on financial wellness and entrepreneurship to increase independence. Surveys show Hispanics want more information on personal finances and entrepreneurship. The Institute works to address this need through its Economic Prosperity Pillar.
According to research of giving patterns since 1966 compiled by the Giving USA Foundation, only bequests averaged an increase during recessionary periods. All
other types of giving either remained static or reported declines.
But is your planned giving program getting its fair share of the marketing budget?
We scoured the internet to find the following awesome information. And, although we can’t take credit for the research, we can take credit for the pretty charts!
So feel free to share this report with colleagues and friends (including your board). And when you’re ready to engage in serious marketing to find hidden gifts, generate
leads and cultivate relationships, we hope you’ll reach out to us: http://imarketsmart.com/contact-us
After all, our mission is to help further your mission.
ENJOY THE REPORT!
This document summarizes responses from the leaders of four non-profit organizations - Food Share, Ventura County Community Foundation, American Red Cross Central California Region, and United Way of Santa Barbara County - on trends in philanthropy. The leaders discuss how millennials' philanthropy differs from baby boomers, emerging trends in baby boomer philanthropy as they retire, and their organizations' priorities in aiding the disadvantaged in the region.
The document summarizes an insurance plan called A Plan for Life from American General Life and Accident Insurance Company. It discusses the importance of planning for future financial security and having insurance to protect against dying too soon, living too long, and ensuring needs are met at death. Specific needs are outlined like final expenses, mortgage, rent, education costs, and more. Steps to developing a financial plan are provided.
iOme is a non-profit organization that works to raise awareness about financial security in retirement among millennials by engaging college students in research and discussions on retirement issues and solutions. The organization seeks donations and corporate sponsorships to support programs that give students opportunities to share their ideas on improving retirement systems with policymakers. iOme has partnered with numerous colleges, organizations, and government officials to make the financial security of future generations a national conversation.
This document discusses six converging mega trends that are creating opportunities in the wellness industry: 1) Growth of the wellness industry to $500 billion annually between 2002-2007; 2) The aging baby boomer population seeking wellness and work opportunities; 3) Expansion of social media reaching hundreds of millions of users; 4) Rise of social entrepreneurship integrating business with social causes; 5) Boom in home-based businesses with low start-up costs; 6) Potential to become one of the next 10 million new millionaires through entrepreneurship in emerging industries like wellness. The document promotes involvement in the wellness industry through Mannatech nutritional products and direct selling opportunities to capitalize on these mega trends.
Ethnic groups have their own societal and philanthropic objectives and they are not always comparable to those of our traditional donors. Philanthropy means more than giving money. African-Americans, Asian-Americans and Hispanic-Heritage-Americans are ready to take their place as major contributors in society, but many organizations do not yet know how to effectively engage their interest. By understanding giving traditions among these emergent charitable groups you will be able to promote the most appropriate giving vehicles, know how to assess and revise your engagement strategies to welcome non-traditional donors into your donor ranks and how to use the right recognition vehicles that will empower these up-and-coming philanthropists.
Industry articles and this presentation conceived, researched, written and delivered by Katherine Swank, J.D., 2010.
This document advertises career opportunities for bilingual individuals wanting to become financial professionals within New York Life's Latino Market Team. It provides details on the qualifications needed which include being bilingual in English and Spanish or Portuguese, having ties to the Latino community, and being entrepreneurial. As a member of the Latino Market Team, one would help provide financial guidance and insurance to the Latino community while also having opportunities for career advancement. Recent surveys highlighted the need for Latinos to have more financial planning information to protect their families.
This document advertises career opportunities for bilingual individuals wanting to become financial professionals within New York Life's Latino Market Team. It provides details on the qualifications needed which include being bilingual in English and Spanish or Portuguese, having ties to the Latino community, and being entrepreneurial. As a member of the Latino Market Team, one would help provide financial guidance and insurance to the Latino community, have opportunities for career advancement, and work for one of the largest life insurance companies in America. Recent surveys show that Latinos desire more financial information and planning assistance. New York Life is intensifying financial awareness efforts among Latinos through dedicated financial professionals. Those interested are encouraged to contact the company for more information.
This document summarizes a business presentation for a multi-level marketing company called AdvoCare. In 3 sentences:
AdvoCare controls 95% of the wealth through a multi-level marketing model distributing nutritional products and provides an opportunity for people to earn income through retail profits, commissions, royalties and bonuses. It was founded in 1993, has over $1 billion in sales and offers a proven system for people to become self-employed through building an AdvoCare business on a part-time or full-time basis. The presentation emphasizes the company's product science, success stories, compensation plan and market trends to convince attendees that AdvoCare provides the right opportunity.
This document summarizes a business presentation about a direct sales nutrition company called AdvoCare. Some key points:
- AdvoCare was founded in 1993 and has over $1 billion in sales, making it one of the fastest growing privately held companies.
- The founder's vision was to create the world's finest nutritional products using direct sales to distribute them and provide an opportunity for people to do something extraordinary.
- AdvoCare has a science advisory board of doctors and researchers who validate that the products are safe and effective.
- People can become retail customers, wholesale customers, business builders, or hobbyists with AdvoCare to earn income from retail profits, commissions, royalties, bonuses and incentives.
This document summarizes a business presentation for a multi-level marketing company called AdvoCare. In 3 sentences:
AdvoCare controls 95% of the wealth through a multi-level marketing model distributing nutritional products and provides an opportunity for people to earn income through building a business selling these products either part-time or full-time. The company has experienced significant growth since being founded in 1993, earning over $1 billion in sales, and provides training and support for individuals to build a business. The presentation outlines the company's products and science behind them, compensation plan including different income streams, and asks individuals to consider if AdvoCare could provide them with the right opportunity.
This document summarizes a business presentation about a direct sales nutrition company called AdvoCare. Some key points:
- AdvoCare was founded in 1993 and has over $1 billion in sales, making it one of the fastest growing privately held companies.
- The founder's vision was to create the world's finest nutritional products using direct sales to distribute them and provide an opportunity for people to do something extraordinary.
- AdvoCare has a science advisory board of doctors and researchers who validate that the products are safe and effective.
- People can become retail customers, wholesale customers, business builders, or hobbyists with AdvoCare to earn income from retail profits, commissions, royalties, bonuses and incentives.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
Gwen Becker, RBC and Allison Maher, Family Wealth Coach lead you through the critical questions to empower you to take ownership of your financial future.
Scott Entrepreneur Express, October 14, 2010 PresentationSandy Ratliff
FREE workshop geared towards small business owners as well as those who are thinking about becoming entrepreneurs. Accessing resources is crucial for a small business to start or grow. But in these challenging economic times finding financing, new customers/markets and accessing help within state and federal government can be difficult.
The Virginia Department of Business Assistance has partnered with Scott County Economic Development, Scott County Chamber of Commerce, and Wachovia Bank to offer a workshop designed to provide insight into areas of business ownership that often go overlooked and help connect you to FREE resources available to small business.
If you have questions or require additional information, contact the Scott County Chamber of Commerce at 54276-386-2525.
Scott County is partnered with Sandy Ratliff with the Virginia Department of Business Assistance to conduct this workshop.
Living Debt Free and Truly Wealthy By Bill ConstainBill Constain
This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
The Fascinating World of Bats: Unveiling the Secrets of the Nightthomasard1122
The Fascinating World of Bats: Unveiling the Secrets of the Night
Bats, the mysterious creatures of the night, have long been a source of fascination and fear for humans. With their eerie squeaks and fluttering wings, they have captured our imagination and sparked our curiosity. Yet, beyond the myths and legends, bats are fascinating creatures that play a vital role in our ecosystem.
There are over 1,300 species of bats, ranging from the tiny Kitti's hog-nosed bat to the majestic flying foxes. These winged mammals are found in almost every corner of the globe, from the scorching deserts to the lush rainforests. Their diversity is a testament to their adaptability and resilience.
Bats are insectivores, feeding on a vast array of insects, from mosquitoes to beetles. A single bat can consume up to 1,200 insects in an hour, making them a crucial part of our pest control system. By preying on insects that damage crops, bats save the agricultural industry billions of dollars each year.
But bats are not just useful; they are also fascinating creatures. Their ability to fly in complete darkness, using echolocation to navigate and hunt, is a remarkable feat of evolution. They are also social animals, living in colonies and communicating with each other through a complex system of calls and body language.
Despite their importance, bats face numerous threats, from habitat destruction to climate change. Many species are endangered, and conservation efforts are necessary to protect these magnificent creatures.
In conclusion, bats are more than just creatures of the night; they are a vital part of our ecosystem, playing a crucial role in maintaining the balance of nature. By learning more about these fascinating animals, we can appreciate their importance and work to protect them for generations to come. So, let us embrace the beauty and mystery of bats, and celebrate their unique place in our world.
This document discusses strategies for strengthening fundraising programs, with a focus on securing major gifts from various donor prospects. It begins with historical context on philanthropy in the US. The bulk of the document then provides details on potential donor prospects like entrepreneurs, women, LGBT individuals, minorities, and baby boomers. It outlines commonalities among entrepreneurial donors and challenges they may face. The document concludes with describing the major gifts fundraising process and skills needed for fundraising.
In 2016, JUST Capital surveyed nearly 4,000 Americans from all regions and walks of life, in its second annual Poll on Corporate America. Fully weighted to the U.S. Census, our annual survey was established in 2015 to give the American people a greater voice in the dialogue on business culture and understand what matters most to the public when it comes to corporate behavior. Since 2015, we’ve surveyed over 50,000 Americans to find out what they believe makes for a JUST company. Our study is one of the largest of its kind ever undertaken.
The LIBRE Institute seeks to strengthen Hispanic communities through economic prosperity programs. It aims to educate Hispanics on financial wellness and entrepreneurship to increase independence. Surveys show Hispanics want more information on personal finances and entrepreneurship. The Institute works to address this need through its Economic Prosperity Pillar.
According to research of giving patterns since 1966 compiled by the Giving USA Foundation, only bequests averaged an increase during recessionary periods. All
other types of giving either remained static or reported declines.
But is your planned giving program getting its fair share of the marketing budget?
We scoured the internet to find the following awesome information. And, although we can’t take credit for the research, we can take credit for the pretty charts!
So feel free to share this report with colleagues and friends (including your board). And when you’re ready to engage in serious marketing to find hidden gifts, generate
leads and cultivate relationships, we hope you’ll reach out to us: http://imarketsmart.com/contact-us
After all, our mission is to help further your mission.
ENJOY THE REPORT!
This document summarizes responses from the leaders of four non-profit organizations - Food Share, Ventura County Community Foundation, American Red Cross Central California Region, and United Way of Santa Barbara County - on trends in philanthropy. The leaders discuss how millennials' philanthropy differs from baby boomers, emerging trends in baby boomer philanthropy as they retire, and their organizations' priorities in aiding the disadvantaged in the region.
The document summarizes an insurance plan called A Plan for Life from American General Life and Accident Insurance Company. It discusses the importance of planning for future financial security and having insurance to protect against dying too soon, living too long, and ensuring needs are met at death. Specific needs are outlined like final expenses, mortgage, rent, education costs, and more. Steps to developing a financial plan are provided.
iOme is a non-profit organization that works to raise awareness about financial security in retirement among millennials by engaging college students in research and discussions on retirement issues and solutions. The organization seeks donations and corporate sponsorships to support programs that give students opportunities to share their ideas on improving retirement systems with policymakers. iOme has partnered with numerous colleges, organizations, and government officials to make the financial security of future generations a national conversation.
This document discusses six converging mega trends that are creating opportunities in the wellness industry: 1) Growth of the wellness industry to $500 billion annually between 2002-2007; 2) The aging baby boomer population seeking wellness and work opportunities; 3) Expansion of social media reaching hundreds of millions of users; 4) Rise of social entrepreneurship integrating business with social causes; 5) Boom in home-based businesses with low start-up costs; 6) Potential to become one of the next 10 million new millionaires through entrepreneurship in emerging industries like wellness. The document promotes involvement in the wellness industry through Mannatech nutritional products and direct selling opportunities to capitalize on these mega trends.
Ethnic groups have their own societal and philanthropic objectives and they are not always comparable to those of our traditional donors. Philanthropy means more than giving money. African-Americans, Asian-Americans and Hispanic-Heritage-Americans are ready to take their place as major contributors in society, but many organizations do not yet know how to effectively engage their interest. By understanding giving traditions among these emergent charitable groups you will be able to promote the most appropriate giving vehicles, know how to assess and revise your engagement strategies to welcome non-traditional donors into your donor ranks and how to use the right recognition vehicles that will empower these up-and-coming philanthropists.
Industry articles and this presentation conceived, researched, written and delivered by Katherine Swank, J.D., 2010.
This document advertises career opportunities for bilingual individuals wanting to become financial professionals within New York Life's Latino Market Team. It provides details on the qualifications needed which include being bilingual in English and Spanish or Portuguese, having ties to the Latino community, and being entrepreneurial. As a member of the Latino Market Team, one would help provide financial guidance and insurance to the Latino community while also having opportunities for career advancement. Recent surveys highlighted the need for Latinos to have more financial planning information to protect their families.
This document advertises career opportunities for bilingual individuals wanting to become financial professionals within New York Life's Latino Market Team. It provides details on the qualifications needed which include being bilingual in English and Spanish or Portuguese, having ties to the Latino community, and being entrepreneurial. As a member of the Latino Market Team, one would help provide financial guidance and insurance to the Latino community, have opportunities for career advancement, and work for one of the largest life insurance companies in America. Recent surveys show that Latinos desire more financial information and planning assistance. New York Life is intensifying financial awareness efforts among Latinos through dedicated financial professionals. Those interested are encouraged to contact the company for more information.
This document summarizes a business presentation for a multi-level marketing company called AdvoCare. In 3 sentences:
AdvoCare controls 95% of the wealth through a multi-level marketing model distributing nutritional products and provides an opportunity for people to earn income through retail profits, commissions, royalties and bonuses. It was founded in 1993, has over $1 billion in sales and offers a proven system for people to become self-employed through building an AdvoCare business on a part-time or full-time basis. The presentation emphasizes the company's product science, success stories, compensation plan and market trends to convince attendees that AdvoCare provides the right opportunity.
This document summarizes a business presentation about a direct sales nutrition company called AdvoCare. Some key points:
- AdvoCare was founded in 1993 and has over $1 billion in sales, making it one of the fastest growing privately held companies.
- The founder's vision was to create the world's finest nutritional products using direct sales to distribute them and provide an opportunity for people to do something extraordinary.
- AdvoCare has a science advisory board of doctors and researchers who validate that the products are safe and effective.
- People can become retail customers, wholesale customers, business builders, or hobbyists with AdvoCare to earn income from retail profits, commissions, royalties, bonuses and incentives.
This document summarizes a business presentation for a multi-level marketing company called AdvoCare. In 3 sentences:
AdvoCare controls 95% of the wealth through a multi-level marketing model distributing nutritional products and provides an opportunity for people to earn income through building a business selling these products either part-time or full-time. The company has experienced significant growth since being founded in 1993, earning over $1 billion in sales, and provides training and support for individuals to build a business. The presentation outlines the company's products and science behind them, compensation plan including different income streams, and asks individuals to consider if AdvoCare could provide them with the right opportunity.
This document summarizes a business presentation about a direct sales nutrition company called AdvoCare. Some key points:
- AdvoCare was founded in 1993 and has over $1 billion in sales, making it one of the fastest growing privately held companies.
- The founder's vision was to create the world's finest nutritional products using direct sales to distribute them and provide an opportunity for people to do something extraordinary.
- AdvoCare has a science advisory board of doctors and researchers who validate that the products are safe and effective.
- People can become retail customers, wholesale customers, business builders, or hobbyists with AdvoCare to earn income from retail profits, commissions, royalties, bonuses and incentives.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
Gwen Becker, RBC and Allison Maher, Family Wealth Coach lead you through the critical questions to empower you to take ownership of your financial future.
Scott Entrepreneur Express, October 14, 2010 PresentationSandy Ratliff
FREE workshop geared towards small business owners as well as those who are thinking about becoming entrepreneurs. Accessing resources is crucial for a small business to start or grow. But in these challenging economic times finding financing, new customers/markets and accessing help within state and federal government can be difficult.
The Virginia Department of Business Assistance has partnered with Scott County Economic Development, Scott County Chamber of Commerce, and Wachovia Bank to offer a workshop designed to provide insight into areas of business ownership that often go overlooked and help connect you to FREE resources available to small business.
If you have questions or require additional information, contact the Scott County Chamber of Commerce at 54276-386-2525.
Scott County is partnered with Sandy Ratliff with the Virginia Department of Business Assistance to conduct this workshop.
Living Debt Free and Truly Wealthy By Bill ConstainBill Constain
This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
Similar to The LIBRE Institute - Financial Power Breakfast - Presentations (20)
The Fascinating World of Bats: Unveiling the Secrets of the Nightthomasard1122
The Fascinating World of Bats: Unveiling the Secrets of the Night
Bats, the mysterious creatures of the night, have long been a source of fascination and fear for humans. With their eerie squeaks and fluttering wings, they have captured our imagination and sparked our curiosity. Yet, beyond the myths and legends, bats are fascinating creatures that play a vital role in our ecosystem.
There are over 1,300 species of bats, ranging from the tiny Kitti's hog-nosed bat to the majestic flying foxes. These winged mammals are found in almost every corner of the globe, from the scorching deserts to the lush rainforests. Their diversity is a testament to their adaptability and resilience.
Bats are insectivores, feeding on a vast array of insects, from mosquitoes to beetles. A single bat can consume up to 1,200 insects in an hour, making them a crucial part of our pest control system. By preying on insects that damage crops, bats save the agricultural industry billions of dollars each year.
But bats are not just useful; they are also fascinating creatures. Their ability to fly in complete darkness, using echolocation to navigate and hunt, is a remarkable feat of evolution. They are also social animals, living in colonies and communicating with each other through a complex system of calls and body language.
Despite their importance, bats face numerous threats, from habitat destruction to climate change. Many species are endangered, and conservation efforts are necessary to protect these magnificent creatures.
In conclusion, bats are more than just creatures of the night; they are a vital part of our ecosystem, playing a crucial role in maintaining the balance of nature. By learning more about these fascinating animals, we can appreciate their importance and work to protect them for generations to come. So, let us embrace the beauty and mystery of bats, and celebrate their unique place in our world.
Care Instructions for Activewear & Swim Suits.pdfsundazesurf80
SunDaze Surf offers top swimwear tips: choose high-quality, UV-protective fabrics to shield your skin. Opt for secure fits that withstand waves and active movement. Bright colors enhance visibility, while adjustable straps ensure comfort. Prioritize styles with good support, like racerbacks or underwire tops, for active beach days. Always rinse swimwear after use to maintain fabric integrity.
Insanony: Watch Instagram Stories Secretly - A Complete GuideTrending Blogers
Welcome to the world of social media, where Instagram reigns supreme! Today, we're going to explore a fascinating tool called Insanony that lets you watch Instagram Stories secretly. If you've ever wanted to view someone's story without them knowing, this blog is for you. We'll delve into everything you need to know about Insanony with Trending Blogers!
Biography and career history of Bruno AmezcuaBruno Amezcua
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At Affordable Garage Door Repair, we specialize in both residential and commercial garage door services, ensuring your property is secure and your doors are running smoothly.
MRS PUNE 2024 - WINNER AMRUTHAA UTTAM JAGDHANEDK PAGEANT
Amruthaa Uttam Jagdhane, a stunning woman from Pune, has won the esteemed title of Mrs. India 2024, which is given out by the Dk Exhibition. Her journey to this prestigious accomplishment is a confirmation of her faithful assurance, extraordinary gifts, and profound commitment to enabling women.
Amid the constant barrage of distractions and dwindling motivation, self-discipline emerges as the unwavering beacon that guides individuals toward triumph. This vital quality serves as the key to unlocking one’s true potential, whether the aspiration is to attain personal goals, ascend the career ladder, or refine everyday habits.
Understanding Self-Discipline
4. Cesar Grajales was born in Colombia and moved to
Miami at the age of 17. His professional background
covers different fields, from the music business industry
and Hispanic entertainment to the stock market. His
unwavering commitment to the preservation of economic
freedom in the United States led him to join LIBRE’s
cause from its beginning; first as a volunteer, then as a
writer for Fox News Latino on political and economic
issues, later as Field Representative and as a Field
Director in LIBRE’s office in South Florida and currently
as Florida State Director. Grajales has successfully
promoted de principles of economic freedom amongst
the growing Hispanic community in Florida. In his current
role, he coordinates events at a state level, and
represents the organization at fairs, forums and
conferences promoting LIBRE’s cause among fellow
Floridians. Grajales has a vast experience in business
administration, management, political campaign
operations and grassroots operations.
CESAR GRAJALES
Florida State Director
5. Mr. Barrera is a recognized national leader in the
business and Hispanic community. He is an attorney
with over 30 years of business, legal, non-profit and
government experience and he serves as National
Manager of Economic Prosperity for The LIBRE
Institute. Mr. Barrera previously served as President
of the Business Information Clearinghouse (BIC) Mr.
Barrera also served as President and CEO of the
United States Hispanic Chamber of Commerce
(USHCC). Mr. Barrera received his law degree from
the University of Texas School Of Law in 1989 and a
bachelor’s degree from Kansas State University in
1982. He was also educated at Harvard Business
School and the Marshall School of Business at USC.
He has previously been named one of the Top 100
Hispanics in Business as well as one of the Top
Diversity Advocates in America. He currently lives in
Kansas City, MO.
MICHAEL BARRERA
National Manager Economic Prosperity
7. The LIBRE Institute is a non-profit, non-partisan C3 organization.
It is committed to strengthening America and building
prosperous Hispanic communities through Our Four Pillars that
focus on Economic Prosperity, Education, Faith, and Family
Surveys indicate that Hispanics want more information on
personal finances and entrepreneurship.
Economic Prosperity Pillar seeks to increase the level of
independence within the U.S. Hispanic community by further
educating the community on Financial Wellness and
Entrepreneurship.
Independence and self-sufficiency create Freedom and Freedom
Drives Progress
The LIBRE Institute
What is the Institute?
8. There are an estimated 54 million Hispanics currently residing in
the US
66,000 Hispanics turn 18 every month or almost 800,000 a year
Hispanic households (49%) are more likely to have children
under 18 vs. general population (34%)
The Hispanic population is expected to grow 167% from 2010 to
2050 vs. 42% growth for the total population.
By 2020 30.5 million Hispanic entrants into the labor force nearly
tripling the 10.7 million reported in 1990
It is estimated Hispanics spend over 1.3 Trillion a year
Hispanics-A Growing Community
9. Hispanic Short and Long Term Financial Priorities
-Reduce Debt 52% vs. 50% G.P. (General Population)
-Building emergency Savings Account 42% vs. 41% G.P.
-Having enough life insurance to protect loved ones 23%-21% G.P
-Saving for a Major Purchase like a car, appliance or vacation 21% vs. 20% G.P.
-Leaving Inheritance for children or other heirs 17% vs. 17% G.P.
-Saving for Retirement 53% vs 62% G.P.
-Protecting investments/Savings 25% vs. 47% G.P.
-Saving to purchase a home 23% vs. 13% G.P.
-Funding education for children/grandchildren 31% vs. 18% G.P.
-Caring for Elderly family members 15% vs. 6 % G.P.
10. Hispanic Financial Stats
• Total Assets for those earning under $75, 000
• $33,000 vs $97,000 for General Population (GP)
• Total Assets for those earning over 75, 000
• $104,000 vs $ 237,000 for GP
11. National Debt
• According to Forbes U.S. debt = 10 trillion in 2008
• 2015 =18.2 Trillion dollars and by 2019 expected to be 20.6 trillion
• 93k per person in 2008; 161k per person 2019
• Higher taxes, Lower wages
• Lower standard of living
• Student loan debt is 1.3 Trillion dollars
• Hispanics whose average age is significantly lower will bear burden of
increased debt
• Big Difference between debt and deficit
• Personal and Family financial planning becomes even more important
12. Other Financial Considerations
• Household expenses, health care costs, children’s education, savings
and debt level—all near-term concerns—are ranked as higher
concerns than retirement.
• Family finances are often multigenerational and global, as evidenced
by one in six supporting parents and 42% of non-U.S. born sending
money to relatives in their home country.
13. Healthy & Wealthy Choices
• 70% of the wealthy eat less than 300 junk
food calories per day
• 23% of the wealthy gamble
• 80% of the wealthy are focused on
accomplishing some single goal
• 81% of the wealthy maintain a to-do list
• 76% of the wealthy exercise aerobically
four days a week
• 70% of the wealthy parents require
children volunteer 10 hours or more a
month
• 67% of the wealthy write down their goals
• 6% of the wealthy say what’s on their
mind
• 97% of the poor people eat more than 300
junk food calories per day.
• 52% of the poor people gamble.
• Only 12% of the poor do this
• 19% of the poor people maintain a to do
list
• 23% of the poor exercise aerobically 4
times a week.
• 3% of the poor make their children
volunteer 10 hours or more a month
• 17% of the poor write down their goals
• 69% of the poor say what’s on their mind!
14. Healthy & Wealthy Choices
• 67% of the wealthy watch one
hour or less of TV every day
• 6% of the wealthy watch reality
TV
• 84% of the wealthy believe good
habits create opportunity luck
• 76% of the wealthy believe bad
habits create detrimental luck
• 86% of the wealthy believe in
lifelong educational self-
improvement
• 88% of the wealthy read 30
minutes or more each day for
education or career reasons
• 23% of the poor 1 hour or less
of TV everyday
• 78% of the poor watch reality
TV
• 4% of the poor believe good
habit create opportunity luck
• 9% of the poor believe bad
habits create detrimental luck
• 5% of the poor believe in
lifelong educational self-
improvement
• 2% of the poor read 30 minutes
or more each day for education
or career reasons
15. Mr. Dore-Bernhard earned his finance degree from
Florida International University. He then went on to
pursue his MBA at Nova Southeastern University. He
has held various investment, insurance and mortgage
licenses. His experience in financial planning expands
from bank telling, to having been the youngest
investment portfolio manager at one of the big four US
Banks at the early age of 24. In addition Mr. Bernhard
has been a private banker, a business owner in the
mortgage, insurance, and financial consulting areas, an
occasional writer and a contributor of financial topics
to newspapers and websites. He is committed to
excellence in his work and service, he is goal-oriented,
organized, disciplined, and he demonstrates leadership
based on principles and values. His favorite quote is:
“Change your focus, from making money to serving
more people. Serving more people makes the money
come in.” – Robert Kiyosaki..
MARIO DORE-BERNHARD
Financial Advisor
ClearPoint’s Hispanic Center for
Financial Excellence (HCFE)
17. ClearPointCCS.org
Objectives
Create a spending plan to help you get
back to basics
Identify ways to increase income and
help you survive on a limited budget
Identify ways to reduce financial stress
and handle your financial situation
20. ClearPointCCS.org
Creating a Priority Spending Plan
A Priority Spending Plan:
Ensures you pay the most important items first
Helps you make spending choices that support your goals
Offers a way to track your income and expenses
21. ClearPointCCS.org
Priority Spending Plan: Step By Step
Identify
goals
Step
1
Identify
monthly
income
Step
2
Prioritize
monthly
expenses
Step
3
Subtract
spending
from
income
Step
4
Adjust
your
priority
spending
plan
Step
5
Small daily choices can have a big impact on if we reach
our goals or how fast we achieve them
24. ClearPointCCS.org
Your Spending Plan
Income January
4 weeks
February
4 weeks
March
5 weeks
April
4 weeks
Total Income $1,600 $1,600 $2,000 $1,600
Expenses:
Rent $800 $800 $800 $800
Car payment $150 $150 $150 $150
Utilities $200 $180 $240 $170
Food $250 $280 $340 $260
Debts $120 $120 $120 $120
Total Expenses $1,520 $1,530 $1,650 $1,500
Disposable income $80 $70 $350 $100
25. ClearPointCCS.org
Where Does Your Money Go?
Track your expenses for 30 days
Total all columns and expenses
Review your overall expenses
26. ClearPointCCS.org
Where Does Your Money Go?
Fixed expenses:
The same each month
Variable expenses:
Different each month
Periodic expenses:
Due once or twice a year
27. ClearPointCCS.org
What Are Your Spending Habits?
Observe how you feel when you need to spend
Avoid going to stores when you feel the need to spend
Substitute the need to spend with something different
Leave your credit cards at home whenever possible
31. ClearPointCCS.org
Step 3: Identify ways to
increase income
• Part-time job / freelance work
• Ask family members for help (e.g. rent
contribution, child care)
• Small business
• Public assistance
• Roommate
• Garage sale / online sales (e.g. eBay)
• Cut costs / reduce unnecessary expenses (e.g.
gym, cel phone, cable)
32. ClearPointCCS.org
How Can You Save?
Take lunch to work and eat at
home more
Use coupons, buy store brands
or buy in bulk at club stores
Give handmade cards and gifts
Consolidate plans and services
Utilize free resources at the
library and online
33. ClearPointCCS.org
Saving to Reach Your Goals
Determine the amount
you can save each month
after expenses
Assign those savings to
each goal
Modify the term to reach
your goals accordingly
Adjust as necessary
34. ClearPointCCS.org
Reduce Financial Stress
Develop a priority spending plan and debt reduction plan
De-clutter your home
Communicate with your family and
set realistic expectations
Shop with a purpose
Adopt a ‘less is more’ attitude
Eliminate barriers to your success
38. ClearPointCCS.org
ClearPoint
Thank You for Attending
For more information, visit our website
www.ClearPointCCS.org/HCFE
To set up a counseling appointment,
call us at 305.592.9298 - Ext. 2135
Mario Dore-Bernhard
Financial Advisor
Mario.Dore-Bernhard@ClearPointCCS.org
39. ClearPointCCS.org
ClearPoint
How Do I Get Out of Debt?
Mario Dore-Bernhard
Financial Advisor
Mario.Dore-Bernhard@ClearPointCCS.org
305.592.9298 - Ext. 2135
ClearPointCCS.org
47. ClearPointCCS.org
Small Costs Add Up
Today’s $500 when paying
$15 minimum payments takes
6 years to repay.
This means your
total cost is $1,162!
48. ClearPointCCS.org
Find Additional Dollars
Take lunch to work and cook meals at home
Use grocery coupons and buy store brands
Unplug computers, TVs and other utilities
Bundle services for possible discounts
Buy in bulk at club stores
Utilize websites and online resources
Check out books from the library
Look for ways to generate income
51. ClearPointCCS.org
Build a Workable Plan to Pay Down Debts
A. Make a list of your debts including balance and interest
rate for each, from smallest to largest balance
53. ClearPointCCS.org
Build a Workable Plan to Pay Down Debts
C. Determine how much extra money you will set aside in your
spending plan to pay down your debts
$125
54. ClearPointCCS.org
Build a Workable Plan to Pay Down Debts
D. Add these additional dollars to the minimum payment of
the first debt on your list
$125
+ 10
$135
56. ClearPointCCS.org
Build a Workable Plan to Pay Down Debts
F. Once the first debt is paid off, add the monthly payment
amount from the first debt to the minimum payment of the
second debt on your list
63. ClearPointCCS.org
Pay Off Secured Debt
If you are unable to build a workable
plan to pay down your debts, contact
ClearPoint to help you by implementing
a debt management plan.
65. ClearPointCCS.org
ClearPoint
Thank You for Attending
For more information, visit our website
www.ClearPointCCS.org/HCFE
To set up a counseling appointment,
call us at 305.592.9298 - Ext. 2135
Mario Dore-Bernhard
Financial Advisor
Mario.Dore-Bernhard@ClearPointCCS.org
67. ClearPointCCS.org
Ten Basic Rules of Money Management
1. Plan
2. Set financial goals
3. Assess your financial
situation
4. Develop a realistic
spending plan
5. Don’t allow expenses to
exceed income
6. Save
7. Pay your bills on time
8. Differentiate between
wants and needs
9. Use credit wisely
10.Keep a record of daily
expenditures
69. ClearPointCCS.org
Can Your Dreams Become Financial Goals?
Goals are statements about things you would like to do or
accomplish. To create goals:
Start with the end in mind
Write your goals down
Make goals specific
70. ClearPointCCS.org
Can Your Dreams Become Financial Goals?
Set a timeline and budget to accomplish your goals
Measure your progress from time to time
Make adjustments as necessary
71. ClearPointCCS.org
When Will You Reach Your Goals?
•Can be accomplished within in
one year
Short-term goals
•Can be accomplished in 2 to 4
years
Mid-range goals
•Can be accomplished in 5 years
or more
Long-term goals
76. ClearPointCCS.org
Ten Basic Rules of Money Management
1. Plan
2. Set financial goals
3. Assess your financial
situation
4. Develop a realistic
spending plan
5. Don’t allow expenses to
exceed income
6. Save
7. Pay your bills on time
8. Differentiate between
wants and needs
9. Use credit wisely
10.Keep a record of daily
expenditures
77. ClearPointCCS.org
ClearPoint
Thank You for Attending
For more information, visit our website
www.ClearPointCCS.org/HCFE
To set up a counseling appointment,
call us at 305.592.9298 - Ext. 2135
Mario Dore-Bernhard
Financial Advisor
Mario.Dore-Bernhard@ClearPointCCS.org
78. Ms. Sega is a self-motivated and highly
qualified professional with experience
expanding in financial planning, tax
preparation and banking. She is currently
the President of International Marketing
Agency Inc., located in Miami, Florida. She
earned her Master’s in Business
Administration at Florida International
University. She also possesses a Bachelor
of Economy and a Computer Associate
degree. Ms. Sega has served as a loan
officer for Bank of America and JP Morgan
Chase. In addition she has and continues to
serve as the President of the Peruvian
American Chamber of Commerce.
MARICARMEN SEGA
President, International
Marketing Agency, Inc.
80. MARICARMEN SEGA
TAX & ACCOUNTING
(786) 290-2899
maricarmen.sega@hotmail.com
INTERNATIONAL MARKETING AGENCY INC.
81. 2015 TAX RETURN
TOPICS
• VIDEO “VALE LA PENA ESTAR AL DIA CON SUS IMPUESTOS”
• IMPORTANT 2015 TAX CHANGES
• ITEMIZED DEDUCTIONSFOR EVERY TAXPAYER
82. 2015 marks the fourth year of tax law
uncertainty.
Many popular tax laws extended through
last year have expired once again. Outlined
here are some of the major tax provisions
that can impact the amount of income tax
you will pay. But stay alert, if the past is any
indication, Congress could change tax laws
at any time throughout the year.
Individual Taxes
Tax Rates.
While tax rates remain unchanged for 2015,
the income brackets that apply to these
rates has been increased approximately 1.5
to 2%.
Income Tax Rates - Year 2015
10%, 15%, 25%, 28%, 35%, 39.6%
Long-term Capital Gains Tax rate if in…
10% - 15% income tax bracket 0%
25% - 35% income tax brackets 15%
39.6% income tax bracket 23.8%*
•includes 3.8% Medicare surtax to help pay for
the Affordable Care Act
The higher 39.6 tax rate applies to anyone
who has income above 413,200 single,
439,000 head of household, and
464,850 married filing joint.
Important 2015 tax changes
2015 TAX RETURN
2015 Tax Alert
83. Deduction and Exemption Phase-out.
For 2015, up to 80% of your itemized
deductions and all of your personal
exemptions could be phased out. This
will impact you if your income is over
$258,250 single, $284,050 head of
household or $309,900 married filing
jointly. If you lost some of your
exemptions or itemized deductions in
2014 you may want a review of your
situation.
Earned Income Credit.
Changes in the Earned Income Credit
that expand the amount of the Credit
and the income qualifications to receive
the Credit are still in place for 2015.
Child Tax Credit.
The child tax credit stays at $1,000 in 2015
with some of the credit being refundable.
American Opportunity Tax Credit (AOTC).
The AOTC (formerly named Hope Education
Credit) is available through 2017. This
provision allows for up to $2,500 in
qualified secondary educational expense
(tuition, fees, and materials) to be deducted
for qualified students. The AOTC covers four
(formerly two) years and has income
limitations ($80,000 for single; $160,000
for married filing joint). Even better, if your
federal tax bill is zero, up to 40% of the
credit is refundable; meaning you still could
get some cash back.
Important 2015 tax changes
2015 TAX RETURN
84. Health Care Savings Accounts.
The Health Care Savings Account (HSA)
annual contribution limits for those in
qualified high deductible health
insurance plans is $3,350 for a single
taxpayer and $6,650 for a family. If you
are age 55 or over the amount increases
by $1,000.
Social Security Limits.
In 2015, income subject to Social
Security tax will increase from $117,000
to $118,500 with the employee portion
taxed at 6.2%.
Key Tax Laws Extended
A number of popular tax deductions have
not had their provisions made permanent
within the tax code. These on-again, off-
again tax provisions ARE NOT available in
2015. This may change so please keep
required documentation in case Congress
changes their minds once again. Key
among them are:
The $250 “above-the-line” deduction
for unreimbursed classroom expenses
for qualified elementary and secondary
school teachers.
Important 2015 tax changes
2015 TAX RETURN
85. The $250 “above-the-line” deduction for
unreimbursed classroom expenses for
qualified elementary and secondary
school teachers.
The option to use general sales tax as
an itemized deduction option in lieu of
taking a state income tax deduction.
The deduction for qualified tuition and
educational expenses.
Deductibility of mortgage insurance
premiums as an itemized deduction.
Tax beneficial treatment of direct
charitable contributions from a
qualifying senior’s IRA.
50% Bonus Depreciation for assets
placed in service during the tax year.
Other Key 2015 Tax Laws
Estate Taxes. In 2015, the maximum estate
tax is 40%. Up to $5,430,000 in assets are
sheltered from this tax. In addition, the
ability to transfer unused portions of your
estate tax exclusion to your spouse are now
a permanent part of the tax code.
Gift Taxes. The gift tax rates are re-unified
with estate taxes. This means the gift tax
exclusion amount for 2015 is $5.43 million
with a top gift tax rate of 40%. The annual
gift exclusion amount is $14,000 ($28,000
per couple).
Health Care Provisions. In 2015 there are
two Affordable Care Act tax provisions worth
noting.
Important 2015 tax changes
2015 TAX RETURN.
86. 1. Shared Responsibility Payment. If you
do not have qualified health insurance
for yourself and your dependents you
will need to pay a fee. In 2015 the fee
is the higher of; 2% of your yearly
household income (1% in 2014) up to
the cost of the average qualifying
insurance premium OR $325 per
person ($162.59 per child under 18)
with a family maximum of $975 ($285
maximum in 2014). There are
exceptions to this fee if you meet
certain requirements including low
income and lack of affordable
insurance options.
2. Premium Tax Credit. If you purchase your
health insurance through a Marketplace
Exchange you could be eligible to receive
a credit to help cover the cost of your
insurance premium. The credit varies
depending on your location, your income,
number of dependents, and your health
plan classification. It is important to
accurately reflect your current situation
when you apply for this coverage through
the exchange. It is also important to
review your Form 1095-A for accuracy at
the end of each year. Making errors in
this area could result in unpleasant tax
surprises at the end of the year.
Important 2015 tax changes
2015 TAX RETURN
87. This limit is reduced by total purchases of
qualified property in excess of $200,000
($2 million in 2014). Section 179 allows
small business owners to expense versus
depreciate qualified property up to the
published limits.
Please remember that business
depreciation related provisions only
impact the timing of when you expense
your depreciation and not the total
amount of depreciation you may expense
over the life of the assets purchased.
Important 2015 tax changes
2015 TAX RETURN
Mileage Rates. The amount available for
qualified deduction of automobile use is:
Mileage Rates (per mile)
Item 2015 2014
Business 57.5¢ 56.0¢
Medical / Moving 23.0¢ 23.5¢
Charitable 14.0¢ 14.0¢
Business Taxes
Section 179 Limits. The maximum
section 179 deduction for property
placed in service in 2015 is currently
$25,000 ($500,000 in 2014).
88. Home Office Safe Harbor Calculation.
Remember there is a simplified way to
take a home office expense for a portion
of your home. The expense is up to
$1,500 and replaces the cumbersome
allocation of valid home expenses
allocated by a percent of the home used
for business.
Common Business Credits Expire. A
number of other business tax provisions
expired and are no longer available in
2015. Some of the more common:
15-year straight line depreciation for
qualified leasehold improvements,
restaurant and retail improvements
Important 2015 tax changes
2015 TAX RETURN.
Research and Experimentation Tax Credit
New markets tax credit
Empowerment zone incentives
Work Opportunity Tax Credit
Biodiesel and alternative fuels incentives.
Special charitable deduction rules for
food inventory.
This is a brief summary of some of the most
broadly applicable tax changes in 2015.
There are also many other pre-programmed
changes built into the tax code. Should you
have any questions regarding your situation,
please call.
89. Itemized Deductions
Once all your income is reported it is time to focus on capturing ALL your allowable
deductions.
And while the IRS is getting very good at automatically notifying you if you under-report
your income, taxpayers are rarely given the same courtesy should they omit a valid
deduction.
How do you make sure you gather and retain the correct information? Provided here is a
list of the most common allowable itemized deductions.
Also included are tips to ensure you are given proper credit for all your valid deductions.
Medical & Dental Costs
Medical and Dental expenses are generally deductible to the extent they exceed 10% of
your income (7.5% if age 65 or older). Some of the more common expenses:
2015 TAX RETURN
Itemized
Deductions for every taxpayer
90. • adoption
• birth control pills (prescribed)
• doctor/dentist fees
• drug/alcohol treatment
• guide dog costs
• handicap access devices for disabled
• hospital fees
• insurance premiums
• prescriptions
• laser eye surgery
• lead based paint removal cost
• life-care fees for medical treatment
• Long term care ins. prem.
• meals/lodging related to hospital stays
• medical devices
• operations
• organ donation
• physician diet/ health programs
• psychiatric care
• school and/or home for disabled
• smoking cessation program cost
• special life items (glasses, limbs,
dentures, wheelchairs, hearing aids,
contacts, etc.)
• transportation (medical related)
• weight loss program costs.
Itemized
Deductions for every taxpayer
2015 TAX RETURN
91. Taxes
The following taxes are generally
100% deductible
• property taxes
• State/local taxes
• payments to mandatory state funds
• foreign income taxes
• value based auto license fee
• general state/local sales tax*
* You may deduct either general
state/local sales tax or state/local
income tax
The option of taking state income tax OR
general sales taxes as an itemized
deduction is not a permanent part of the
tax code.
Check each year to ensure this provision
is still an option for you.
2015 TAX RETURN
Itemized
Deductions for every taxpayer
92. Charitable Contributions
Both cash and property are generally
deductible if donated to qualified
organizations as:
• Churches
• non-profit schools
• non-profit hospitals
• public parks
• boy & girl scouts
• war/veterans groups
• YMCA/YWCA
• environmental/conservation groups.
• agencies such as:
o Red Cross,
o Salvation Army,
o Goodwill, CARE,
o United Way, etc.
2015 TAX RETURN
TIPS:
All cash donations now require a
bank record or receipt.
Make sure you keep track of your
mileage to and from the charity. It is
also deductible.
Only donate your vehicle to a
qualified charity that uses, improves
or sells the vehicle at full market
value. If the charity sells your vehicle
without using or improving the
vehicle, your deduction is limited to
the gross proceeds from the sale
and not what could be a higher “fair
market value”.
Make sure donated clothing is in
good or better condition.
Itemized
Deductions for every taxpayer
93. Casualty & Theft Losses
Casualty and Theft losses are generally deductible to the extent they exceed
10% of your adjusted gross income, are not reimbursable via insurance, and
each event exceeds $500.
Examples include:
• fire
• theft
• natural loss: tornado, hurricane, flood, etc.
• car accident
• vandalism
• other accidents.
Itemized
Deductions for every taxpayer
2015 TAX RETURN
94. Most miscellaneous deductions are
only deductible to the extent they
exceed 2% of your adjusted gross
income. Items with an “*” are usually
not subject to this income threshold.
• gambling losses to offset gains*
• handicapped job related expenses*
• work uniforms
• un-recovered annuity costs*
• job hunting expenses
• safe deposit box cost
• tax prep fees
• employee business expenses
• IRA/KEOGH administration fees
• business use depreciation
• certain legal fees
• trust administration fees
• hobby expense to offset gains
• 50% of business related meals;
entertainment
• classroom material expense for teachers
• repayments of income*
• repayments of Social Security
• investment related expenses
• in-home office expenses
• job required medical exam
• job required education expenses
2015 TAX RETURN
Miscellaneous Deductions
Itemized
Deductions for every taxpayer
95. The following are common non-deductible
items:
• accidental damage
• blood donation
• club dues
• commuting expenses
• cosmetic surgery
• drought losses
• estate/gift taxes
• funeral expenses
• gifts to foreign organizations
• gifts to “for profit” groups
• gifts to individuals
• home repairs
• labor union donations
• license fees
• life insurance premiums
• lost property
• non-essential education
• non-health related household help
• health club dues
• PAC donations
• political donations
• property assessments
• raffle tickets
• sales taxes (unless in lieu of state
income taxes)
• Soc. Sec./Medicare
• tax penalties
• termite/insect damage
• tickets and fines
Itemized
Deductions for every taxpayer
2015 TAX RETURN
Non-deductible Expenses
96. TIPS:
Expense Shifting Whenever possible shift
expenses into categories of itemized
deductions to surpass the IRS thresholds
in a given year
Miles, Miles, Miles Capture all your mileage
for business travel, charitable travel and
medical travel. Keep a log book in your car
and note the miles to and from the doctor.
Track the miles to drop off charitable
donations. This area of deductible expense
is often not taken or is poorly captured.
Missing a few things What is deductible?
What is not? When in doubt save the
canceled check, the proof of payment, and
receipt. Without the proof, the expense
cannot be taken.
No cash donations How many times
have you dropped off a bag of clothes
or a lamp and not keep a record of the
gift? Keep a list of items you plan to
give away. Put the list next to or inside
the bag. The required itemization of
items donated can be prepared when
the bag is ready to be dropped off at
your favorite charity.
Donation Traps You must now have a
bank statement, canceled check, or
receipt for all cash donations. So, write
checks to your church versus cash.
Send in a check to the Salvation Army
or favor charity instead of putting cash
in the kettle.
Itemized
Deductions for every taxpayer
2015 TAX RETURN