Tuesday, May 18, 2010

Ways to Pay Off a Big Tax Bill

If this is the first time you've had trouble meeting your tax obligation, set up an installment payment plan with the IRS by filing Form 9465. we are the leader in our life
The tax agency even allows you some leeway in establishing payment terms (e.g., monthly payment amount, due date) that fit your financial situation. In some cases, the IRS also allows installment plans for partial payment of due taxes.The installment plan, however, is not painless. express our point of view
You must pay off your IRS loan in at least three years.Most taxpayers will be charged a one-time fee of $105; it's reduced if you set up direct debit payment or make less than a certain income level.And, as with any such loan, yoursomething will happen outstanding balance is subject to interest charges. You're angry. You're hurting.
Get more timeIn some situations, you might qualify for more time to pay, as long as you can convince the IRS that the delay will help you ultimately fulfill your tax obligation.If you qualify, you'll get between 30 days to 120 days to pay your due tax. You'll also generally pay less in penalties and interest than you would if you paid your taxes via an installment agreement.Request a short-term extensionhelp me, help you of time to pay by filing an Online Payment Agreement applicatin or by calling 1-800-829-1040.Make a tax In some cases, the IRS might be willing to accept an offer in compromise, or an OIC. This is a lump-sum payment you offer to make that is less than the total amount of tax you owe.The IRS sometimes agrees to smaller payments so that it will get at least some tax payments more quickly and without years of costly collection efforts.An OIC is not simply a haggling technique to reduce your bill. The key to a successful offer is to propose an amount that reasonably reflects your ability to pay. To discourage taxpayers from making an offer just to stall payment, you must include a $150 application fee with the OIC request. If your offer is accepted, the fee will go toward your new payment amount.The IRS reviews an applicant's financial situation and future income potential to determine whether an offer is appropriate. In most cases, the decision is no. The IRS says that since the OIC program was designed for taxpayers in extreme financial duress, few individuals qualify under terms they would like.f, however, you believe your situation would meet the requirements, you can get detailed information in IRS booklet Offer in Compromise, Form 656.Whichever tax payment method you choose, don't delay. Putting off your filing and payment of taxes will only compound your financial and tax problems.
Copyrighted, Bankrate.com. All rights reserved.
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Ways to Pay Off a Big Tax Bill

Pay with plasticLike most other creditors, feelthenewspaceUncle Sam accepts credit cards. Two private firms, Official Payments and Link2Gov, have contracted with the IRS to process charged tax payments. Both accept American Express, Discover, MasterCard or Visa. You can use your credit card regardless of whether you file by mail or electronically.
While handy, the credit option does have other costs. Both companies collect a fee of around 2.5 percent of your payment amount. Intelligence everywhere
You also need to handle your credit card account wisely. The payment to the IRS will add to your account's balance; if you don't pay it off in full, additional interest charges by the card issuer will accrue.Arrange an installment plan The choice of a new generation
If this is the first time you've had trouble meeting your tax obligation, set up an installment payment plan with the IRS by filing Form 9465. A diffirent moment
The tax agency even allows you some leeway in establishing payment terms (e.g., monthly payment amount, due date) that fit your financial situation. In some cases, the IRS also allows installment plans for partial payment of due taxes.The installment plan, however, is not painless. Time is what you make of it
You must pay off your IRS loan in at least three years.Most taxpayers will be charged a one-time fee of $105; it's reduced if you set up direct debit payment or make less than a certain income level.And, as with any such loan, your outstanding balance is subject to interest charges.
Get more In some situations, you might qualify for more time to pay, as long as youcan convince the IRS that the delay will help you ultimately fulfill your tax obligation.If you qualify, you'll get between 30 days to 120 days to pay your due tax. You'll also generally pay less in penalties and interest than you would if you paid your taxes via an installment agreement.Request a short-term extension of time to pay by filing an Online Payment Agreement application or by calling 1-800-829-Make a tax In some cases, the IRS might be willing to accept an offer in compromise, or an OIC. This is a lump-sum payment you offer to make that is less than the total amount of tax you owe.
The IRS sometimes agrees to smaller payments so that it will get at least some tax payments more quickly and without years of costly collection efforts.n OIC is not simply a haggling technique to reduce your bill. The key to a successful offer is to propose an amount that reasonably reflects your ability to pay. To discourage taxpayers from making an offer just to stall payment, you must include a $150 application fee with the OIC request. If your offer is accepted, the fee will go toward your new payment amount.
The IRS reviews an applicant's financial situation and future income potential to determine whether an offer is appropriate. In most cases, the decision is no. The IRS says that since the OIC program was designed for taxpayers in extreme financial duress, few individuals qualify under terms they would like.If, however, you believe your situation would meet the requirements, you can get detailed information in IRS booklet Offer in Compromise, Form 656.Whichever tax payment method you choose, don't delay. Putting off your filing and payment of taxes will only compound your financial and tax problems.Copyrighted, Bankrate.com. All rights reserved
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(Report to the Operations Manager)1) Initiate projects and conduct studies pertaining to cost control, cost reduction, inventory control, and production record systems. On the basis of these studies, develops and implements new process, strategy, and system for better operations and efficiency. 2) Plan plant, production facilities and equipment layouts for new product introduction; determine the most efficient sequence of operations and workflow and establish methods for maximum utilization of production facilities and personnel. wedding dresses 2nd
3) Plan strategic Equipment Capacity and make corresponding new purchase or upgrade. Conduct ROI analysis on the capitolshop 4u blog for shirts investment. Chair Build Plan meeting and allocate the resource to a different product mix optimally. 4) Manage and monitor the supply chain from raw material to final product delivery. Coordinate with the planning department for the raw material readiness (wafer and substrate) and logistic department for shipment & delivery. Control and optimize the WIP, TPT and inventory during the manufacturing process. 5) Develop system Model, determine the KPI (Key Performance Indicator) metrics, monitor factory capacity, output and inventory, and identify equipment and process flow bottlenecks.Projects Managed:? Lean Manufacturing/5S implementation: A pull and push mix production control policy for Flash Memory is developed. A production leveling method wedding dresses 2ndwas also proposed to smoothen out the loading. Problematic station was identified and fixed. Raw material releasing and PM schedules were optimized. This optimized process flow reduced the Throughput time/ WIP by 20% and lowered the safety stock and final product inventory by 20%. Through this project, the working capital, inventory holding cost, and production space were saved. Customer responsiveness has increased. A 5S and TPM implementation and maintenance plan was conducted at the same time.shop 4u blog for shirts
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3) Implement overall Operating System change in the plant following a logical Kaizen approach (from diagnosis to precondition, simplification, connections, standardization, and resource utilization improvement) to ensure the right part, right time, right quantity with build in quality and high resource utilization. 4) Planning annual budget and lunch QVC workshop and other productivity improvement projects to meet the cost model and plant declaration. 5) Lead the quality and safety walk in the workshop and implement the office and manufacturing ergo in the plant to ensure a safe and healthy working environment for all employees. 6) Oversee the staffing and training of the new employee to ensure the company and customer’s requirement. 7) Oversee the new plant expansion, including new building construction, facility installation, equipment I/Q, and new plant layout design. 8) Reporting to the board of directors of the joint venture on behalf of the Delphi; manage and coordinate the relationship between other China plants, AP headquarter, and local government. ? Lean & Operating System Manager, AP, Delphi Packard, EEDS, Shanghai, 11/2007-3/2008. (Report to the Manufacturing & Lean Director, AP)1) Lead and manage the overall Lean Manufacturing and Operating System implementation according to Logical Kaizen Approach in 8 plants in China and help the coordinate the activity in the other 3 plants in India, Indonesia and Malaysia. 2) Lead MFG swim lane in Lean Enterprise and coordinate wth other swim lanes implementation of Enterprise Operation System in flow 4 & 5 (develop new product and provide service and goods). 3) Perform, lead, organize Lean workshops and coaching on site focusing on Improving Operational Performance 4) Advice and support local plant on continuous improvement activities to improve plant performance5) Monitor and implement MFG 101 practices, focusing on enhancing execution of the OS
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Wednesday, May 5, 2010

A Break With Tradition -- 'I Chose Not to Have My Dad Give Me Away'

The first thing you need to know is that Dan asked me to marry him while we were brushing our teeth. We had been together for almost 10 years at that point, living together for five, and we had plenty of people despairing as to whether we would ever get around to tying the knot. We finally settled matters after flossing.
Big romantic gestures? Not our thing. We like to lie around eating ice cream straight from the container and watching "It's Always Sunny in Philadelphia" reruns. But then we jumped into planning mode for the wedding, a day that's supposed to be nothing but romantic moments and symbolic traditions. And even two cynics like ourselves couldn't help getting caught up in all the excitement.
When it came time to plan the ceremony, however, I started getting grouchy again. We'd nixed a church service early on because neither of us are religious, but going the plan-your-own route was fraught with problems too. Unity candles, planting trees, live music -- we kept hating idea after idea.
We are not unity-candle people. (Or sand-pouring people. What is that even about?) We are certainly not comfortable around a string quartet. And then I started thinking (some might say over-thinking) about the most basic parts of the ceremony -- like how we would walk into my parents' garden -- and realized that the traditional father-gives-away-the-bride entrance wasn't going to work for us either.
As a feminist, I didn't love the notion of being handed over (and my father-in-law-to-be kept making jokes about needing to negotiate my price in head of cattle, which didn't help.) But there was also the fact that Dan and I already had a life together with an apartment, a car, two cats and a shared AmEx bill that we fight over every month; we had already survived high school, college and eating guinea pig on a trip to Peru. I wasn't leaving some earlier version of myself behind to become his wife.
Plus, here we were planning this day to be a celebration of us -- but if we followed "tradition," we would spend the bulk of the day sequestered from each other, until the moment I walked down the aisle.
Then, from somewhere, the idea came to me: We should scrap that plan and walk in together. Dan loved it. He had started hyperventilating as soon as I told him how much my dress would cost, and I think maybe this little tweak helped assure him that we hadn't become Stepford Wedding People. We were keeping it real. (Plus he didn't relish the groom's usual pre-ceremony role of having to meet and greet while wandering around in a nervous daze. Why shouldn't he get to stay behind the scenes as long as possible, too?)
Even more surprisingly, my dad loved it, too. He's a forward-thinking guy, but you know fathers and daughters. I was worried that deep down he might be hurt, but too easy-going to admit it. So I broached the subject carefully (and, uh, via email -- which might sound chicken, but my dad hates talking on the phone, and I knew email would give him time to process, instead of putting him on the spot.)
To my surprise, he said that he had been thinking that giving me away by himself didn't feel right; he would want, at the very least, for my mom to walk down the aisle, too. And really, when you got right down to it, my stepmom and stepdad should also be there, because they put just about as much time and energy into raising me. And then you're trying to fit five people (with me in a not-small dress and carrying a big bouquet) down a tiny little aisle, and the whole thing starts to get a little sitcom-in-sweeps week.
So my parents sat in the front row, radiating pride and joy. As my dad said, "Anyone who isn't sure whether I'm the father of the bride will just have to see me beaming and they'll know!" And Dan and I hid together at the bottom of my parents' garden, watching all of our friends and family take their seats. We were nervous. We were excited. We held hands and cracked each other up. And for two people who are so squeamish about romance and symbolism, it ended up being an incredibly sweet, and dare I say, romance-filled moment. Because we waited until Dan said the (iPod-supplied) music was at exactly the right moment -- the chorus of the Magnetic Fields "It's Only Time" -- and walked forward, hand in hand, to celebrate our shared life.freedom
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Jo-Ann Barnas: Ernie Harwell's kindness left a lasting impression

Here's what I've found to be most remarkable today, less than 24 hours after the passing of Ernie Harwell: Doesn't it seem like every resident in the state of Michigan -- and, yes, I know there are roughly 9.9 million of us -- has an Ernie story?
I heard dozens on the radio this morning, folks calling into 97.1 The Ticket and sharing their encounters with Harwell and how they were positively affected by the man.
Those who never had the opportunity to meet him personally, well, they felt like they knew him, which was one of his greatest attributes.
I admired Ernie because he was: 1. a gentleman and 2. a terrific writer. I have a signed copy of one of his Free Press books, "Stories From My Life in Baseball." He was an amazing storyteller on the printed page, not just over the airwaves.
I've written about this before, but I still shake my head in amazement every time I think about the time a few years ago when he left a message on my answering machine, saying he liked a story I had written on John Smoltz. I was stunned that he actually would take the time to do that. But that was Ernie.
Those who know me best know that I come from a large family. I have seven siblings, five of whom are brothers.
I called two this afternoon to talk about Harwell, and -- wouldn't you know? -- both of them had met him.
My older brother, John, 51, was introduced to him a few years ago at a function benefiting Ele's Place, a healing center for children coping with the death or illness of parents or a loved one. Ernie spoke of his challenge in coping with the deaths his mother and father, which occurred within a year of each other.
John also shared an amusing story about how he and his good friend, Jeff Beers, sneaked a transistor radio into Tiger Stadium for the last game of the season in 1991 to listen to Harwell broadcast what then was his "final'' game, when he was ousted by Bo Schembechler.
When they got close enough to call out his name, they did -- and Harwell smiled and waved back.
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