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Worth Reading

Recall Alert: Full-Face Bicycle Helmets

by Dana Zeliff on June 2, 20112011-06-02
in Worth Reading

Disclosure: This post may contain an affiliate link.

 

Please be advise about this new recall for Full-face bicycle helmets

WASHINGTON, D.C. – The U.S. Consumer Product Safety Commission and Health Canada, in cooperation with the firm named below, today announced a voluntary recall of the following consumer product. Consumers should stop using recalled products immediately unless otherwise instructed. It is illegal to resell or attempt to resell a recalled consumer product.

Hazard: The plastic buckle that connects the chin straps can fail, causing the helmet to come off the wearer’s head. This poses a head injury hazard to riders in the event of a fall.
[Read more…]

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Dating on a Dime: Try a Date “Day”

by Dana Zeliff on May 29, 20112011-05-29
in Worth Reading

Disclosure: This post may contain an affiliate link.

Creating quality time in a marriage or with a significant other is imperative to the strength of a relationship.  But how to you stay on budget with everything else going on in your lives?  Living on Love and Cents & Madame Deals have put together a great article for this weeks Dating on a Dime series:

[Read more…]

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Ask an Accountant: Small Business Owner Tax Changes?

by Dana Zeliff on May 28, 20112011-05-28
in Worth Reading

Disclosure: This post may contain an affiliate link.


Thanks to Mom on Dealz for sharing her series, Ask an Accountant!  Sharon is married to an experienced accountant.  Although tax season is over, tax questions arise year round.

Question:
I read on Yahoo today that Social Security Tax is being raised. The article said that in 2012 the rate will go up to 12.4%, meaning 12.4% of a self employeed person’s income goes straight to Social Security Tax. Is this true?

Answer:

Social Security tax has always been 12.4% except this past year because in 2011 the government gave a reprieve making the tax only 10.4%. Starting next year it will go back to 12.4% as its always been. However tax laws change a hundred times in the tax year so it could be less or more by the time tax season rolls around again. On another note, don’t forget Medicare will still be applied, so really self employed individuals will pay 15.3% (as its always been).

*Please keep in mind this post is for informational purposes only and answers given are very general. Many things depend on individual circumstances. Please contact your personal accountant or financial advisor for your particular situation.

photo credit: austinpost.org

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Dating on a Dime: It Doesn’t Matter Where You Are

by Dana Zeliff on May 22, 20112011-05-22
in Worth Reading

Disclosure: This post may contain an affiliate link.

Creating quality time in a marriage or with a significant other is imperative to the strength of a relationship.  But how to you stay on budget with everything else going on in your lives?  Living on Love and Cents & Madame Deals have put together a great article for this weeks Dating on a Dime series:

[Read more…]

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How to Make Herb Cans

by Dana Zeliff on May 21, 20112011-05-21
in Worth Reading

Disclosure: This post may contain an affiliate link.

I don’t have much of a green thumb, nor a crafty bone in my body.  Luckily, Brianne with Just Trying to Save Money has both traits.  I love the idea of making a homemade gift that doubles as a frugal way to start your own vegetable garden.

How to make herb cans:

They are very easy to make and of course very inexpensive!

 
 
First you are going to need a few things:
-Cans (we just used soup cans and vegetable cans- cleaned and air dried are best)
-Hammer
– One Nail
– Dirt
– Plant of Choice (we chose to use lavender and basil)
– Newspaper
– Decorative Paper
– Crayons (we tried markers but they smeared when we glued the paper, crayons are best)
– Bowl
– Scissors
– Paint Brush
– Bottle of Glue
 

First you will need to clean out your cans, peel off the label and then let dry. Next take a hammer and nail and poke holes in the bottom of the can for drainage.

Then take your decorative paper and measure out the actual width and length of the paper you will need to cover your can. Decorate your paper the way you want. My girls wrote messages to grandma, but you can draw pictures or whatever you want. Then you will need to pour your glue into a bowl, then take your paint brush and dip it into the glue. Then paint on the glue on the outside of the can. Stick the decorative paper to the can and then paint more glue over the paper. This will help get glue into the edges where the paper and can meet. Gluing the outside will help to keep the paper from getting wet when you water your plants.

 

 

Let your can dry, over night is best but a few hours will work. Once it is completely dry take a piece of newspaper and ball it up in the bottom of your can, add dirt and then add your plant. That is it, you are done!! Make sure you put these somewhere that can drain through the bottom or place something underneath if you want them inside somewhere.

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Ask an Accountant: Blogging From a Tax Perspective

by Dana Zeliff on May 14, 20112011-05-14
in Worth Reading

Disclosure: This post may contain an affiliate link.

Thanks to Mom on Dealz for sharing her new series, Ask an Accountant!  Sharon is married to an experienced accountant, so if you’re looking for a professional to help out with taxes this year, give him a call.

Recently, I have received numerous requests for assistance in “setting up” blogs from a tax perspective, so I figured I would address this to give a basic understanding of the options that are out there & compare them.

Let’s start with the need behind organizing the entity.
1. Taxes – a necessary part of our economy…nobody likes to pay them, but without a tax structure, we would not be where we are today as a country.
2. Liability protection – we want to protect and seperate our personal assets (homes, vehicles, bank accounts) from any business activities in the event there is a problem, error, or mistake another person or entity can hold you liable for. You do not want the legal system to use these personal assets for retribution.

Here are the different types of entities:

Let’s start with the sole proprietor. From an administrative standpoint, this is the most simplistic. There are no additional tax forms, as the income is reported on your 1040, however, this essentially is an extension of you personally, and any income from these operations are considered Self Employment income and come with an additional Self Employment Tax in addition to your regular income tax rate. Self Employent Tax can be estimated at approx. 15% of the self-employment income. The drawback here is there is no liablitity protection in the event of litigation.

The next option, is an LLC. They have become a very popular business form for new entities, and many existing entities have converted to this form. They exist in some form in every state. They combine limited liability features of corporations and pass through characteristics of partnerships and S corps, but are more flexible than S corps. For federal tax purposes, LLC’s are treated as partnerships (unless they elect otherwise). There is one exception, a Single-Member LLC, which retains the liability protection, but is taxed as a sole-proprietor. The profit from these entities also trigger Self-Employment tax.

Finally, Corporations: The S Corp (so named from a chapter of the tax code) is a regular corporation with regular limited liability, whose owners elect “pass through” status meaning the corporation itself pays no tax. The profit is passed through to the owner and the tax is paid on the owner’s 1040. Corporations whose owners don’t choose to make the federal S corp. election-that choose to be taxed as corporations-are called C corps and pay tax a higher corporate tax rates. The benefit here is there is no self-employment tax on the profits.

*Please keep in mind this post is for informational purposes only and answers given are very general. Many things depend on individual circumstances. Please contact your personal accountant or financial advisor for your particular situation.

photo credit: austinpost.org

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Frugal Kid Fun: Make a Reward Chart

by Dana Zeliff on May 11, 20112011-05-11
in Worth Reading

Disclosure: This post may contain an affiliate link.

Looking for fun, educational & frugal activities to do with your child?  Mom on Dealz will provide you with weekly activities to keep your children learning while you stay on budget!

This week I chose to share one that can help with discipline. As an early childhood educator I believe very strongly in positive reinforcement. Some may feel that this is “bribing” but the reality is that by reinforcing your child’s good behavior with a reward system has been proven to be much more effective than other negative programs.

Materials:

Various shades of construction paper
Markers or crayons
Scissors
Tape or glue

Directions:

1. Pick a background color. You can then draw a tree or cut one out and glue it on the background.


2. With your child, decide whether you want the tree to have leaves, fruit, flowers, etc. and decorate the sky as wanted. Will insisted on a cotton ball cloud.
3. Cut out the shapes of your choice. We cut out 8 but you can pick how many times you would like to reward the behavior. Will chose to make a “normal” tree.
4. Brainstorm with your child a list of rewards they would like for good choices/behavior. These do not have to be physical items, think outside the box. Some ideas are an extra story at bedtime, longer play time during bath, 5 more minutes outside, little girls may want their nails painted, etc.

5. Print these ideas on each leaf, fruit, flower, or whatever shape you chose. Put the completed shapes in a ziploc baggie and set it near the tree picture.
6. Choose the behavior you would like for your child to improve. Tell your child that each time they show improvement, they will get to choose a leaf from the bag and will get that reward.
7. Enjoy filling up the tree! When it’s full, you can save it and start another one with a diffent theme and desired behavior!

This craft can have several educational benefits:
1. Character development-your child will be given a definite goal and directions for behavior that will enable them to grow into a more responsible individual.
2. Language skills-By discussing the project and allowing them to help choose rewards, you are helping them learn how to express their thoughts orally. Also, when brainstorming rewards you can have them write down the list for you. If they are older, they can be the ones to write the rewards on the leaves.
3. Math skills-When making the leaves, be sure to count them out loud. Each time they earn a leaf, discuss how many leaves are on the tree and how many still remain in the bag.

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About The Coupon Challenge

Hi! I'm Dana, the writer behind the scenes of The Coupon Challenge, a Hampton Roads, VA based coupon blog. I'm a wife and mother of 2. After getting out of debt we started using our savings to travel together as a family and create memories.

Are you looking for ways to save your family money? I strive to help you save on the products you need, so you can spend more on the things you want. Read More about Dana & Family

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