Category Archives: Finance

This Why Follow Debt-Relief Practices of Bankruptcy Law Assistants

Inability to pay back debts often leads a person to loads of unwanted obligations. To get rid of those unwanted traits is really difficult. Following legal guidelines becomes essential in such situations. Yet, defaulters mistakes to do things all by oneself and gets trapped under misfortune situations for some reasons or the other. All these facts and features in a way depict the essentiality to adopt the experienced and knowledgeable guidance of legal service providers. Years of practicing strategies that they are stapled with comes with a guarantee that a person rapt with the negative after math of bankruptcy gets to overcome the same with positive best results.

People are often found to believe in the myth that bankruptcy is cheap and also not easy to overcome. Things are not so in any ways because, such unwanted facet may arise quiet unknowingly for both a salaried person and business holder. Hence, how to get rid of such perplexities must be the concern and nothing else. Needless to state to meet with such needs is ideally possible with the deftness and solving skills of bankruptcy law assistants in this domain. Their strategies are not only legitimate but are designed and planned in such a way that all one gets to gather is positive and productive upshots.

Liquidation and reorganization both are of profuse importance for defaulters. But which law would be the most appropriate one to fetch such beneficial aspects is not so easy to understand and employ. However, it can be made easy and flexible with the adept assistance of legal assistants or lawyers and attorneys mentioned above. Which would be the better option, chapter 13 or chapter 7, how to file the case and make things respectful and rewarding are just to mention a few among many attribute that they ably solves? Even the maintenance of credit reports and credit scores after passing through such misfortune situation becomes accessible with such legal aid.

Whether following the guidelines of such bankruptcy law would be gainful or not and when is one eligible to abide by the same are two most crucial facets that gets solved with such assistants. Then there are issues like:

  • Extension of time span for paying back the amount
  • Annual income that one needs to show for adopting the benefits of bankruptcy law, etc.

Lawyers and attorneys mentioned above are also reputed to make one achieve the profitable best results of these set of laws and its bylaws. Very critical situation can also be made positive and appreciable with their responsible role. That is the reason why, other than going haywire, seeking and settling with their constructive assistance is a lucrative deal. Moreover, one also confers proper concern on the fact that such sorts of legal aid are authorized and are licensed significantly for their legal practices. This is of immense help if one likes to be free for any sorts of spam.

In this context it needs to be mentioned that hiring the filtered best lawyers and attorneys for, popular and reputed debt-relief law firms can be a diligent deal. This is because with the helpful assistance of experts and deft aids present their one can be guaranteed to receive possible best outcome and that to in the shortest possible time. It can’t be denied that major and very critical differences between the bankruptcy laws discussed above. As far as unsecured loans and its defaulters are concerned, seeking assistance of chapter 7 bankruptcy law can be profitable. However, for the productive solution protocol of both secured and unsecured loans chapter 13 and nothing else is more beneficial.

Again, a detailed past history checking is of crucial importance for chapter 7, in case of chapter 13, pillared income by the defaulter is a must. Moreover, a person is also found mistaken with the idea that government TAX can be exempted too. In reality it has to be obtained by respective defaulter and that too right on time. Quiet critical isn’t? All these features some way or the other simply portrays the importance to hire and follow the tactful remedial for meeting with successful results that are followed and maintained by aforesaid legal aids. No way can it be denied that, in a complex and perplex situation like bankruptcy, nothing but these adroit experts are of supreme help.

Some Ways to be Free From a Poverty Mental Stronghold

Financial three step plans, money making formulas and sowing and reaping scriptures can all be well and good, but if you have a poverty stronghold lodged and hidden in your mind, you may never enter your earthly wealthy place. If you feel you might have a poverty mental stronghold keeping you from your earthly wealthy place and you want to be set free, then this article is for you.

Gary was a Christian who had been taught in church that it was good to worship and serve God, but to have an abundance of “things” was not acceptable. The “prosperity message” was taboo. However, he eventually discovered that according to God’s Word, financial prosperity was the Christian’s inheritance and we are blessed to be a blessing.

So Gary began to implement all the prosperity truths he had learned, but instead of getting out of debt and enjoying the abundant life, he continued to flounder financially and stayed in debt. Fortunately, one day the Lord revealed to him the problem. All the earlier teaching on how it was wrong to seek prosperity had become a poverty stronghold in his mind that kept him out of his God-ordained wealthy place. The Lord revealed to him how to destroy that stronghold with God’s mighty powerful weapon, the Word of God.

“Is not my word like as a fire? saith the Lord; and like a hammer that breaketh the rock in pieces” (Jeremiah 23:29)?

The Lord’s instructions were simple. To destroy the stronghold of poverty in his mind, he was to speak three scriptures out loud four hours a day until they dropped down into his heart and became reality. This would set him free from the stronghold of poverty holding back his God-given prosperity. Here are the three prosperity scriptures the Lord instructed him to speak out loud:

“The young lions do lack, and suffer hunger: but they that seek the Lord shall not want any good thing” (Psalm 34:10). “For ye know the grace of our Lord Jesus Christ, that, though he was rich, yet for your sakes he became poor, that ye through his poverty might be rich” (2 Corinthians 8:9). “But my God shall supply all your need according to his riches in glory by Christ Jesus” (Philippians 4:19).

Am I saying you must spend four hours a day speaking out loud these promises to destroy any poverty stronghold you might have? No. How much time you spend a day declaring these prosperity promises is up to you. But I will say this, the more time you spend doing it, the quicker the results.

I suggest starting out with fifteen minutes a day and increase it to one half hour or more. Gary said that within three weeks he noticed a difference in his life and eventually he was free from the poverty stronghold that held him captive. He got a revelation that God was his source and not his job, the government or anything else.

And by the way, this three scripture formula will work for any area of your life: healing, confidence, deliverance from some sinful bondage, weight-loss or whatever. Just find three scriptures that cover your problem and away you go.

This 10 Things You Can Buy At The Dollar Store Instead

What would you do with an extra 20.00 a month, 240.00 per year? Save yourself 20.00 or more by switching these 10 purchases to the Dollar Tree without sacrificing quality at all! The store even carries many of the brands you are already buying. You’ll just have to go to your local dollar store and see for yourself which products you can switch to purchasing at the dollar store. These are only some of the items I purchase at the Dollar Tree to save our family money.

1. Greetings Cards
Save yourself approximately 1.50 or more per card purchasing your cards from the dollar store rather than a Hallmark card retailer. The cards at Dollar Tree are just as beautiful or funny than at other stores. I have also purchased beautiful packs of 8-10 Thank You cards for times I’ve been interviewed for jobs or after my son’s baby shower. At this price, you can keep multiple cards for a variety of occasions on hand. Balloons, gift wrap, and other party supplies are also just as well.

2. Pens
Save yourself approximately 4.00 on a pack of pens at Dollar Tree and more if you have other office supplies to get. They carry almost anything you could want, including my usual purchases of poster board and bubble mailers.

3. No Show Socks
Save 1.50 on a pair of no show socks by buying them at the dollar store. I usually by my socks in packs of 8-10, but in the case of dress socks and nylon no show socks I’ve had luck with the quality at Dollar Tree.

4. Shaving Gel
Save another 1.50 on your shaving gel by switching to the dollar store. As a lady, I go through a lot of shaving gel. I do not like shaving cream, but the raspberry gel at Dollar Tree served me just as well as Skintimate or Pure Silk.

5. Pregnancy Tests
Save approximately 3.00 on each pregnancy test you purchase at Dollar Tree. I’m currently fertility charting and just feel comfortable having plenty of tests on hand in case I am nervous I might be pregnant or to give to a friend in need. I have taken identical tests in clinics and feel they are of the same caliber.

6. Tooth-care
Save almost 2.00 on identical toothbrushes and same name brands at Dollar Tree as competing stores. They carry disposable “flossies”, whitening products and toothpastes of well-known brands. I also don’t mind their Lavoris mouthwash.

7. Medicine
Save at least 5.00 on any over the counter medication you purchase from the Dollar Store vs. any other store. It’s been said on the internet before that Dollar Tree’s medication can closely compete and sometimes work even better. They carry a variety you’d have to see for yourself.

8. Gum
Save 1.00 or more on a pack of gum at checkout at the dollar store. For the car or office, to chew before meetings, interviews, or dates, having a pack of gum handy can be the difference between making a good impression or not.

9. Movie Candy
Save at least 1.00 visiting the Dollar Store before a movie instead of the gas station. Whatever your taste, their whole aisle dedicated to candy will provide you your fix.

10. Kitchen Utensils
Save more than a few dollars on anything kitchen related. Dollar Tree carries a lot of Betty Crocker utensils and a whole wall of others. Their baking pans have held up as well as the grocery store’s counterparts. They even carry quality plates, mugs, cups and wine glasses. You can also find Glad-ware and Reynolds wrap!

Make Smart Decisions For About What You Buy

I’ve made plenty of mistakes in my life regarding debt. I only wish I could go back in time and redo some of my spending decisions I made when I was younger. Obviously that is impossible, but maybe this post will help younger individuals who are about to go out and do something they might regret later in life.

I remember when I was 26, living in a nice area of San Francisco with three roommates. It was a good fun time in my life and I have several great memories from this period. I was very good with my money overall, but every once in a while something would come over me and I would do something that I would later regret.

When I was younger, I saw this new television at Circuit City (remember them?); I still remember the exact TV model. It was the Hitachi 61SWX10B and the price was $3,500. It was a rear projection television and was quite large; a 61″ unit that had a built in stand.

Of course, I was not going to go out and drop that much money on a television at that point in my life, but when I heard I could go out and get a new credit card with 6 months no interest financing I thought okay I can make this happen. My plan was to just put $500 down and then pay off $500 a month and I would get that TV without paying any interest.

I executed my plan flawlessly and I was the big man in the house; all my roommates loving that TV for all it was worth. Guest would come over and tell me it was the best TV they had ever seen and I ate it up. We watched movies, played video games, sporting events, we all enjoyed it.

About a year later, all of our lives changed and we went separate ways. Then it hit me, I was now stuck moving this massive television and the burden of moving it to my new place was quite a hassle. All my former roommates got to enjoy my big awesome television for free and they simply moved on. I was stuck with a $3,500 bill and now moving into a place that I could barely accommodate a television that size.

As it turned out, over the next couple of year’s plasma televisions started coming out and my once super mac-daddy televisions seemed ancient. Within 4 years of my purchase rear projection TVs were no longer desired at all. I couldn’t even sell it due to its large size, so when I moved I simply posted a free ad on Craigslist. Obviously, I gave it to the first interested party instead of trying deal with something that big and heavy with little to no value.

It would have been totally reasonable for me to just buy a $500 television, which also would have been a nice television, or to look into Craigslist and buy something there for an even better deal. But unfortunately, like most people can probably relate to, I had to get the biggest and best product on the market. Looking back I realize it was a very poor decision on my part.

It was clearly not the end of the world, but being 41 now, if I would have not have bought that $500 television and invested the other $3,000, today the money I spent would be worth more than $20,000 and in another 20 years, it would be close to $200,000.

These are the typical decisions that everyone makes, especially the younger society, not necessarily bad decisions, but definitely irresponsible ones. We all make them, as we don’t actually think about the long term effects of what we buy.

The key is to cut back, save and invest. It might look like you’re not building much over a few months or even a year, but continued savings over a decade or 2 can have dramatic jaw dropping effects. Do you want to give your 20 something self the latest electronics or do you want to give your 40 something self a better, easier life?

Info Post-Retirement Benefits And Their Tax Calculations

Retirement is an important event in the lives of almost all of the salaried employees. While they get excited about the post-retirement benefits that they are entitled to, managing them certainly becomes a cause of concern. Taxation is the most challenging aspect in the management of benefits that are received after retirement. It is absolutely necessary to distinguish between the ones that are exempted from taxes and those, which are taxable under the law. Also, there is a considerable difference in the way funds of a government employee are taxed and the manner in which employees of private sector are taxed. Given below are the common post-retirement benefits and their tax calculations:

Provident Fund: Recognized provident funds are completely tax-free, if they satisfy the conditions laid down by the prevailing laws. However, the interest and total amount paid with respect to the Employee Provident Fund (EPF) after retirement are not tax-free if the employer had been contributing more than 12 {0ef4929820f167e8f8519b00d9326892f772d73dd41cde984d23145009372787} of the employee’s salary to the fund. An employee is required to have rendered service of 5 years or more on a continuous basis, in order to qualify for the tax exemptions.

Gratuity: In case of employees eligible for gratuity under Payment of Gratuity Act of 1972, the gratuity shall be paid for every completed year of service at the rate of 15 days’ salary based on the last drawn salary. Post-retirement gratuity that the state and central government employees receive is exempted from tax. However, in case of other employees, the tax exemption for gratuity would be limited to an amount that equals to, or is less than INR 10,00,000/-.

Superannuation Fund: The superannuation amount received on retirement is exempt from tax, except under certain circumstances, such as, resignation from service. One-third of the total value of commuted pension in case of an employee receiving gratuity would be exempted from tax under Section 10(10A)(ii)(a). In case of employees not receiving gratuity, one-half of the total value of commuted pension would be exempted from tax under Section 10(10A)(ii)(b). The best way to avoid the taxes on the taxable amount is to purchase annuity related to State Annuity Fund (SAF), without any commutation.

Leave Encashment: Payment received by central and state government employees by the way of leave encashment at the time of their retirement is fully exempted from tax. In case of other employees, this exemption is limited to a maximum of 10 months of leave encashment, which is based on the average salary of last 10 months. The amount of leave encashment eligible for tax exemption is further subject to a limit of INR 3,00,000/-.

Investing the amount received as retirement benefits in schemes like Fixed Deposit and National Savings Certificate can be greatly beneficial to the retired employees in saving taxes. Tax Deducted at Source (TDS) is applicable on retirement benefits that are taxable according to the provisions of the Income Tax Act, 1961. In such cases, the retired employees have to show the amount received and deducted taxes in the income tax return filed in the year of receipt of retirement benefits.

Stop Bad Financial Habits And Now Choose A Fresh Start

People are often influenced to give unsolicited advice to others about the easiest way to manage finances. Even though of the will make sense, the majority of these are very generic in general. You must exercise caution when you assemble a monetary strategy out from this information, though it’s important to create a precise and consistent plan.

Nevertheless, you happen to be still left together with the unanswered question. How would you prevent the decline of funds on stuff that are of no use, and yet approach managing your individual finances?

The Situation: A lot of people, including you, don’t fully understand how important it is to save cash with regard to their future. Figure out how to save first then spend, not the other way around. While this is superior to no savings in any way, it is definitely not the correct way to build an excellent savings plan.

Steps To Managing Your Individual Finances Well.

Listed here are some important tips that you can consider if you wish to reduce costs for the future. These techniques have helped a lot of people be successful at taking better proper care of their finances.

Put 20{0ef4929820f167e8f8519b00d9326892f772d73dd41cde984d23145009372787} Of The Earnings Into Savings

In case you are to be successful in the foreseeable future, carry out the opposite of just what the average person does. As opposed to saving whatever remains, save first and spend afterward. Even if you are expecting a reduced check than normal, be sure to save 20{0ef4929820f167e8f8519b00d9326892f772d73dd41cde984d23145009372787} out from each and every single check that you receive. Make sure to deposit this money once you receive money. You will have learned a vital lesson, and saving the amount of money than enables you to work your way down taking good care of everything, bills first.

Saving money assists you to create a healthy financial habit that will help you to budget your money efficiently for the rest of your way of life. You could possibly feel much less stressed about finances when you know that you have an urgent situation fund available.

Don’t Complicate Matters

It is obvious the iPhone 7 is great. Your buddies and colleagues have purchased it,but the iPhone 6 plus is one that you simply bought a few time ago. While many of these new gadgets are fun and exciting to have, you undoubtedly don’t need a new phone unless your old phone is dying. You must never buy it unless you really want an iPhone 7.

Can that new phone do something that your particular old model can’t do? It is essential to sometimes treat yourself with luxuries, just make sure this really is something great rather than some of those undesirable habits one does repeatedly. Additional money is the best money to pay, not the 20{0ef4929820f167e8f8519b00d9326892f772d73dd41cde984d23145009372787} you will be saving.

Cash Over Credit

Maybe you are from the opinion the charge cards in your wallet should be used, not hidden away. Often we start off with good intentions buying only small things likely to pay them off at the conclusion of every month. $50 here or $25 there can’t hurt, and you can always pay it off following the month. That brand of thinking gets people in trouble quickly, plus they rack up a pile of debt.

Using cash whenever you can will help you to curb this tendency. Don’t make use of credit card unless it’s a crisis situation. Alternatively, it is possible to change it out having a debit card, and that is a significantly better option!

Keep in mind that becoming a rock star at personal finance doesn’t have to be hard. It requires breaking undesirable habits and creating new, healthier ones.

Things You Should to Do When A Customer Files Bankruptcy

Almost 820,000 bankruptcy filings took place in 2015. If you’ve received the dreaded notice that a customer filed bankruptcy, there are a few things that you absolutely must do. A customer’s bankruptcy filing doesn’t necessarily mean that you don’t have any rights and that you won’t get any payment on the amount the customer owes to you. However, there are protocols to follow.

Stop Contacting the Customer
A bankruptcy establishes different rules for communication between the debtor and the creditor. From the point when you receive a bankruptcy notice, you are no longer allowed to contact the debtor and ask for payment. This is called an automatic stay. A trustee is assigned to the account and this trustee oversees all of the debtor’s assets and debts.

Although the bankruptcy notice will usually include contact information for the trustee, you will probably not be able to obtain additional information about the bankruptcy before the creditor’s meeting. Keep in mind, too, that the trustee’s office will not provide you with legal advice.

Get a Bankruptcy Attorney
Bankruptcy attorneys don’t only represent debtors-they also represent creditors. And bankruptcy law is complicated. If the amount at stake is a substantial sum, you may want to have an attorney at the table with you.

Another sobering part of bankruptcy law is the preference clause, which means that a debtor is not allowed to prefer one creditor over another. Because of this clause in the bankruptcy code, a trustee will go back to every creditor that the debtor paid within the 90-day period preceding the bankruptcy filing and request repayment. If the creditor is a family member, business partner, or other insider entity, the trustee can go back an entire year to collect repayment. If you receive a demand letter of this kind, a bankruptcy attorney may be able to help you file a defense.

File a Proof of Claim
The bankruptcy filing notice you receive will include information on how much the debtor believes he owes you, why you are owed that amount, and when a proof of claim needs to be filed. It will list the deadline for the proof of claim. It’s very important that you file this proof of claim; if you don’t, you will forfeit any right of getting paid. On a proof of claim form, you state your understanding of what you’re owed. This form is fairly straightforward and can be done without a lawyer.

Attend the Creditors Meeting
The creditors in a bankruptcy will be invited to a meeting of the creditors-sometimes called a 341 hearing. In this meeting, the debtor will need to explain how he or she landed in a bankrupt situation. Creditors can ask questions of the debtor as well. Additionally, a creditor can object to the reorganization or repayment plan if he or she feels their debt isn’t being treated fairly.

A bankruptcy filing notice is never a welcome sight, but there are a few things you can do to secure as much payment as possible. After all, you’re owed some hard-earned money.

A Standby Letter of Credit Is Useful for Financial Funding

A standby letter of credit is a Promise of payment issued by a bank on behalf of a client will receive payment upon the presentation of described documents in the event the buyer fails to pay the beneficiary according to the terms of the contract. It mostly used in national construction projects and in international commerce. The buyer in this gives instructions for making the document.

The format of letter of credit under a Standby letter can also be beneficial for payment on a deal. When reclaimed, the letter pay costs a broker and also the letter can be beneficial in a land development work to make sure that the permitted people investment will be assembled. The corporations to a Letter credit are generally a recipient who is to earn the money, the issuing bank of whom the applier is a client and the advising bank of whom the recipient is a client.

The key thing to remember with the standby letter of credit is bank it deals only in documents or goods and does not comprise them in the assurance and bond between two groups immediately. The only anxiety of issuing the bank is the circumstances and terms of the letter. There are numerous banks that are capable of providing this letter.

The Categories of standby Letter of credit:-

  • A performance Standby: – This category of letter maintains accountability except paying money, comprises of the advantage of loss happens from a fails to pay of the applicant in completing the fundamental deal.
  • An advance payment Standby: – This category of letter maintains the commitment of early payment done by the recipient to the supplier.
  • A bid bond or tender-bond standby: – This letter maintains the commitment of the contender to accomplish a contract if the contender is rewarded a bid.
  • A Counter standby: – This supports the emergence of an independent replacement by the recipient of the contradict replacement.
  • A Financial Standby: – This maintains the duty to pay the amount, inclusive of any tool pointing a duty to pay the rented amount.
  • A direct Pay: – This substitute maintains payment when due of a primary duty especially in relation with financial substitute without access to an offense.
  • An Insurance Standby: – This maintains a protection responsibility of the contenders.
  • A commercial standby: – This maintains the responsibility of a contender to pay for services and goods in the occurrence of no expense by other modes.

In relation to other types of letter of credit, the standby letter of credit is more profitable for commercial. This kind of letter uses original bill and documents of shipping in order to earn amount for the retail from a buyer to seller. The standby letter of Credit is comparatively new to the international commerce world and consequently it is officially new as well.

Here How Can An Heir Borrow Against Inheritance

If funding is needed by one of your grandchildren to begin a medical practice or to a start up a firm, you should help him to gear up his career. You may have saved money for the inheritance of your children and grandchildren and somehow you have agreed to loan your son out of that money.

A promissory note generally secures this money, even when its terms are not strictly enforced by some parents. If the promissory note is left unpaid until the death of the parents, the estate will count it as its asset that must be paid for. Interest will be imputed by the tax authority, if it is a larger amount of money. The loan will become a taxable income of the child, if the loan is forgiven by the parents.

Loan documents and estate documents control

These issues are generally controlled by the parents during his or her lifetime. You must write the loans on paper along with the repayment schedule. Extensive outlines of the remedies make up most of the loan and available on the open market that is reserved by the creditor. These are not so important, if the parents do not want to exercise these remedies in the document. The parents can then write the ways of treating these loans as per their will.

There are also many situations where it is common for a parent to find his or her child and to document the loaned amount and paid back off. In this circumstance, the money which is not paid off acts as a gift, as there are no such rights.

Cancellation of Gift or Debt

Loans can be forgiven by the parent. In this case, cancellation of debt becomes taxable income. If the parent documents or probates the estate, such as, the returning of inheritance tax or state estate, this information can be cross checked by the tax authorities with the tax return of debtor’s child. The balance of the loan is also forgiven by the parent in some cases at the time of his or her death. Loan below $a certain limit is counted as a gift.

Offset

It can also be decided by the parent not to repay the full loan. Parents can also offset the unpaid amount against the money received by the child. This helps the parent to share the money between the heirs equally.

Direct Repayment

Money is received by the estate from the promissory note after the full repayment of the debt by the parent.

Always hire an experienced estate planning lawyers to make future loan plans in advance.

Tips Turning Your Cash Flow From Negative to Positive

First and foremost, cut your expenses.

Here are a few ideas on managing your expenses to help you achieve your financial goals:

Take a look at your budget’s top 10 or so monthly expenses, there are almost always at least one or two items that you could do without, that you’ll end up with more cash at the end of each month.

Now is the time to ditch those bad habits of yours.

If you smoke, that will be the number one habit to kick. First- and second-hand smoking cause harm to both the one who smokes, and the people around him/her. Not to mention to raising tax on smoking habits.

Create a budget and stick to it. A budget helps you compare your monthly income and expenses, and determining needs versus wants.

Live Within Your Means. This is a no brainer. If you spend everything you earn at the end of each month, you’ll have nothing left to invest.

Keep a budget and plan for your finance. Be frugal. Buy only what you can afford and need. Don’t dress to impress your enemies.

Increase deductibles on your auto, homeowners and other insurance policies, which can help lower premiums

Pay off your mortgage as fast as you can, especially if you’re paying mortgage insurance. Mortgage insurance protects the mortgage lender, not you or your family.

Pay off your bad debts

Employ these strategies to increase your income.

Sell extra stuff you have sitting around in your house. Things that you have no use of anymore. Sell them on Craigslist or have a garage sale.

Rent out your spare room. Millions of home owners worldwide are now renting out rooms or floors of their current homes for short periods of time on sites like Airbnb.

Rent out your car. Sites like Uber and Turo allow you to rent out the extra seats in your car – or the whole vehicle, if you’re not too faint of heart!

Use your skills and time. Got extra time still after selling your stuff? Leverage your earning power during your off-time, evenings and weekends with your professional skills or personal hobbies to bring in some extra cash. If you love doing crafts, you can sell creative items on Etsy.

You can sell fruits from your tree at local farmer’s market. In Hawaii, many houses have fruits trees in the yards. Do you have a special recipe that everyone enjoys? Sell that at local farmer’s markets.

You can also earn extra money with cooking, house cleaning, babysitting or dog walking. The opportunity is limitless. You can list your services on sites like TaskRabbit. You can also sign up for Mechanical Turks at Amazon, where you can complete tiny miscellaneous task for a fee.

Starting a second career or a part-time opportunity to earn additional income.

Adjusting your W-2 allowances if you are expecting a tax refund, but consult with your tax advisor before making this change.