Sunday, September 23, 2012

The New 1099K Small Business Tax Form

This is not the first time I have broached the subject of the new 1099K tax form for small business. Take a look at the following infographic provided courtesy of

Malinda Winkle

big news for small business owners 1099 K Infographic

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Sunday, May 20, 2012

The Financial Aid Process

by Malinda Winkle

If you or a family member has tried to navigate the waters of financial aid for post-high school education, you know how important it is to understand all your options. With that understanding you will make the best choices for funding your college education--choices that have the potential of affecting your financial life for decades. Take a look at the following infographic provided by Southern New Hampshire University  that explains many of the factors you should consider before returning to college.

Navigating the financial aid system infographic by Southern New Hampshire University, SNHU.EDU
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Monday, May 14, 2012

The New 1099K Tax Form

Small businesses who sell above a certain level will now receive a 1099K that reports to the IRS their gross earnings. This new form especially applies to small business online sellers on marketplaces such as and An interesting infographic below, created by, explains some of the ins and out of this new tax form so you can better understand whether this change will affect your own small business taxes.

big news for small business owners 1099 K Infographic
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Chemical Mergers & Acquisitions

by Malinda Winkle

Sometimes the corporate world prefers to buy their way into the marketplace of a given business sector. Using this strategy, chemical corporation executives wisely search for a chemical investment bank to assist them in merging with or acquiring another corporation that complements the long-term goals of the corporation.

In considering chemical merger or acquisitions, choose experts with vast experience in the chemicals sector. For example, The Valence Group is an international chemical investment bank with the expertise required to create and execute successful chemical mergers and acquisitions. Because they have locations on three continents, they have experts in the field who know the very market you have chosen to target.

 As all corporate executives know, every sector has its own special needs, considerations, difficulties and complexities. Having an international chemical advisory team, such as The Valence Group, on hand during decision-making and negotiations provides an obvious edge against your competition. Maximize the likelihood of a merger or acquisition succeeding by finding advisors who specialize in your particular sector.

Monday, April 16, 2012

Trash TV

Written by my friend Judson Kelly

I went to I moved in here because one thing I was Not going to be without was Cable! I’ve gotten so used to having all the premium channels and I didn’t want to miss an episode of Spartacus or Game of Thrones, my new favorite. Spartacus is kind of hard to watch now because they had to change the main character – the first guy who played him died in between seasons one and two which is just crazy. I like Game of Thrones because it reminds me of Lord of the Ringsand that was one of my favorite movies so it’s no wonder. I think I’m going to spend some time painting and decorating soon but for now I love watching the shows I missed while I was living in a rental house. Thank goodness for having On Demand so I can watch back episodes when I need to! I love my new place but I love my favorite shows more – is that weird!?
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Tuesday, April 10, 2012

Free TABE Test Preparation Online

by Malinda Winkle

If you want to prepare for an upcoming TABE assessment, visit one or more of the following FREE sites:

Study Guide Zone - Look for the TABE Secrets videos, download a free 49-page TABE Study Guide, and find links to free TABE Skill-building Exercises in English and Math - - for free TABE practice questions and answers - - TABE sample test questions from all sections of the assessment

Fire Academy - - for an academic refresher for both English and Math

Ridge Fire Academy - – for a list of websites that will help you prepare for the TABE assessment - - for a list by subject of the skills the TABE assessments measures - - Ten sample questions from all sections of the TABE assessment

Remember, the study materials need not be specifically for TABE preparation. What you need is a thorough review of English, Language and Math. There are many forms of study materials that will assist you in this kind of review, including homemade flashcards, when appropriate.

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Wednesday, February 15, 2012

Got any Penny Stocks in Your Portfolio?

United States penny, obverse, 2002Image via Wikipedia United States penny, 2002, Obverseby Malinda Winkle

Penny stocks typically sell for less than $1.00 per share because they are extremely high-risk investments. But, if, by some stroke of luck, your stock thrives, you stand to earn incredible returns on a penny stock.

For instance, a simple $100 investment buys 200 shares of a penny stock selling at fifty cents per share. If the price rises fifty cents per share to $1.00 per share, you just doubled your investment, earning a 100% return. Your $100 investment is now worth $200. Where else could you do that?

If the stock continues to prosper, you may someday get a stock split which double the number of shares you own while cutting the price per share in half. Then, every fifty cent increase you gain on your (now) 400 shares, earn you $200 in profit rather than the $100 profit you earned on the first 200 shares. While stock splits are not a given, when they occur, they tend to increase your overall profits significantly if you continue to hold the stock you owned before the split.

The website is offering the #1 rated penny stock newsletter for a limited time. Check out their site if you want to learn more about penny stock investments. This site suggests which penny stocks it feels you should watch, names what it considers hot penny stocks and the best penny stocks.

Many people reserve ten percent of their investment portfolio for riskier investments such as penny stocks. Create a more aggressive investment approach by buying some penny stocks. The best advice in investing in penny stocks is not to invest any money you cannot afford to lose.

Educate yourself. Do your due diligence. As with any investment, proceed with caution. Understand that you risk losing your entire investment when you buy penny stocks. That is the risk you take for creating the possibility of incredibly high returns.

Disclosure: The author is not proposing any particular stocks for purchase and is not suggesting that investing in penny stocks is the right move for all investors. You and you alone are solely responsible for the choices you make when investing your portfolio. Penny stocks are just one of many options, and it falls on the extremely high risk end as investments go.

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How to Get a Free "Grand Slam" Breakfast at Denny's

Denny's_Restaurant in Ontario, California.Image via Wikipedia A Denny's restaurant in Ontario, California

Next time you visit Denny's restaurant, hang onto your receipt. It may include instructions on how to earn a a free grand slam breakfast or take over $6.00 off another purchase on your next visit. Simply completing a five-minute online survey. To get your free meal, the survey must be completed within three days of your visit, and you must bring the receipt back to Denny's with the validation code you got after completing the survey online.

What a deal!

Fine print:  No substitutions are permitted. One coupon per check per visit. Only original receipts (no photocopies, or purchased coupons allowed) will earn you this free meal. Cannot combine with other coupons or promos. No change is given if you purchase a meal less than the credit amount awarded you. Beverages are not included. So, if you want a beverage, you will have to purchase it when you cash in your validation code for the free meal.
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Author: Rory Reilly

Have y’all seen that show on MTV called Friendzone? It’s all about people who have crushes on their friends but then tell them so they can see if it will turn into a relationship. I don’t know if it’s a new show or not but I just recently went to where I got some additional channels (Including MTV) so I am not really up to date on what the kids are watching nowadays. Anyway, I think the reason I like this show is because my husband and I were friends for a long time before we started to date so I can really relate to the people on this show and how weird it is to tell your very best friend that you like them. I know it sounds silly but you know, at the end of the day you have to put yourself out there and risk rejection like I did. Here we are now married and we’re happier than we’ve ever been and it all started out with a friendship!
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Inside a Radical Polygamist Cult.

Temple of the FLDS in El Dorado, TexasImage via Wikipedia Temple of the FLDS in El Dorado, Texas
by Malinda Winkle

Carolyn Jessop (with Laura Palmer) wrote a book I highly recommend called "Escape". Read an astoundingly-candid account of life in a polygamist cult. At just 18 years old, she became the fourth wife of a 50-year old man--a total stranger--by an arranged marriage. She bore eight children for him during the next fifteen years. She worked as a school teacher and gave all her paychecks to her husband.

With just $20 in her pocket, Carolyn fought a courageous fight to gain freedom for herself and all eight of her children. This is something which had never been done by any woman in the Fundamentalist Church of Jesus Christ of Latter-Day Saints Church (FLDS Church), a split off the Mormon Church. Some wives have left the FLDS, but none have ever managed to get all their children out with them, until Carolyn overcame all the odds.

This true story tells the vivid details of everyday life while sharing her husband with her "sister wives" and attempting to parent her eight children in a home where her husband eventually fathered over 150 children by over 10 wives.

Carolyn's valor led her out of a life of deprivation and subservience. In spite of the horrendous psychological abuse she endured, in spite of have two very sick children at the time of her escape and despite living in great fear of her dictatorial spouse, she made her extraordinary escape. And, yes! There is a happy ending. Highly recommended reading.

Disclosure: The author of this review gets no profit if you choose to purchase this book. Link provided  as a convenience to the reader.
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Friday, January 13, 2012

Something Small

Post contributed by Hilton Miranda

It seems that my grandmother was right all along. I remember every Christmas, she would always remind us that, “The best things come in small packages.” She couldn’t be more correct whether you are talking about Wild Blue deals or a physical gift. About four years ago, my husband and I took a vacation to Las Vegas. My youngest daughter was nearly nine months old, and for as much as I loved her, her colic and digestive issues had left me battered, beaten, and worn. Despite trying many medications, she was inconsolable most days and refused to sleep most nights. She would scream to eat, but as soon as she would suck down a few ounces of formula, she would scream and writhe in pain. After nine months of this agony, my husband and I were in desperate need of a vacation. While we were in Vegas, we didn’t do much but relax, lie around the pool, and SLEEP! We did find some time for shopping and gambling. While we were in a jewelry store in the Venetian Hotel, I spotted the most beautiful ring I had ever seen. It was a 3-carat, pink tourmaline stone surrounded by small diamonds. It was simple and classic. When I saw the price, I knew that it was more than we could afford, so I sadly slipped it off my finger and back it went in the case. Three months later, I had only one small, gift under the Christmas tree. Gram was right- small packages ARE the best!
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