The Underdog Parent!!

Stories of the Underdog Parent What is an Underdog Parent? Its a parent that feels they could of done something if they were just given opportunities instead of a series of obstacles and closed doors. Some might wrongly think that makes us “Helicopter Parent”, “Lawnmower or Snowplow Parent.” Those all have similar meanings. A parent that is highly invested in their child’s life, so much so that they will remove obstacles in their way. I get it. Kids should solve small obstacles now so they know how to deal with bigger obstacles in the future. That is not what an Underdog Parent is. An Underdog Parent is a parent who as a child, had less knowledge or skill as their peers and had less opportunities for support from those around them to help them catch up with their peers. Now as parents, they want to see their kids succeed where they themselves failed. They help their kids by learning the material themselves and then teach their child. For example, my children go to a Spanish after school class one day a week. My husband speaks Spanish but we speak English at home because I don’t know Spanish. They watch Spanish cartoons and my husband translates things they don’t understand when they ask. Because of this early exposure and ability to get their questions answered, they are able to learn quicker. My kids are the best kids in their Spanish class. Not to brag, but solely because they are the only ones in their class that has at least one parent who speaks the language. My 5 year old quickly learned to count to 10, then to 20, then to 60, then to 100 in the first semester while they other kids are still going over 1-10. Why? Because my son started to learn something and as he practiced he was able to be corrected and had opportunity to take his education further and by asking what comes next. Now imagine the other kids. It is a very diverse school with kids from all over the world such as European, Asian, Middle Eastern or American ect. So for simplicity imagine both parents only speak English? Their child wants or needs to practice their Spanish. They ask their parent to help them count from 1-10 in Spanish. If you don’t know how to count in Spanish, how can you correct them? How would you know if they skip numbers? Or say them out of order? Or had the wrong pronunciation? For example, the number 3, it is spelled ‘tres’ but its pronounce more like “Th-res’ than “Tr-es”. When my son was learning to count in English in he use to say “1-2-3-4-5-11-12” I would always have to stop him and correct him. It took about a week or two of counting every night to break him of that habit. So how do you correct mistakes like that in a language you don’t know? There are 3 ways you can address it: A) Let him figure it out on his own with his teacher. That’s why you are paying them to teach your kid Spanish right? (This will give your child an obstacle to over come. They will most likely experience a failure because they can’t preform as well as their peers. A lot of people mistakenly thing this experience will make them try harder the next time. But in reality the child will see their peers ‘accomplishments’ as them being naturally gifted and their ‘failure’ as poof that they can’t EVER do it. The key here is seeing big differences between themselves and their peers make them concluded that they can NEVER do it.) B) Play YouTube videos on repeat of cartoons of how to count from 1-20. This will get them to at least have more exposure to the foreign language which will improve their chances of success. But studies have shown that testing more allow kids to learn faster than just studying. So that difficult recall my son does with his dad counting himself out loud from memory is more beneficial than simply reviewing material, watching and hearing the numbers that are being counted for him. C) You learn the language slightly ahead of your child, well enough to correct him so you can test and answer questions as he learns it. You will in affect become his ‘self taught study buddy’. This will make your kids closer to the level of having at least one parent who speaks the language but still with a big disadvantage. You won’t be exposing him to all the little words. You can’t translate things on demand. You child will not know all of the various other ways to say the same thing or ask the same question. No matter what you do to shrink the gap in the parents knowledge and ability to help their child, their will always be a big disadvantage of not knowing all the small words not on their test. For example the very beginning of class they teacher could greet the children. My child could know how to say hello formally and informally. But what happens when the teachers doesn’t say hello? What if they say “How are you today?” Or “Good morning!” Or “Welcome!” Or a million other small little things that can confuse the child. The child doesn’t know what the teacher said or how to answer. That moment that someone looks at you and expects you to preform and you can’t, can cause stress and anxiety. Repeated moments of stress and anxiety without a balance of success and pride can cause people to disengage or hate people speaking Arabic. It becomes ‘too hard.’ For children to enjoy doing something they must have a balance of successes with difficulty. If its too easy kids don’t want to do it. But if the material is too hard they loose motivation to try. Very much like the study of learned helplessness. If the child learns at a level or in an environment where they can’t preform what is expected of them they will stop trying. So if my child has at least one parent who speaks Spanish, why am I talking about it? Yes my child lucky his dad can correct his pronunciation and quickly teach him to count passed all of his peers in his Spanish class. He feels success in his Spanish class. But he also takes an Arabic class one day a week. I am half Jordanian. So with my kids being 25% Jordanian I wanted them to learn Arabic. Not in some strict religious place. I choose a place that teaches as they play games and make crafts all while speaking Arabic. They said they were Montessori based. But Montessori main idea is to have the kids who know more teach those who know less and kids are grouped together with different skill levels. Yes Montessori uses more materials to teach than simply paper work which is what his Arabic school does. But the Arabic classes are teacher lead like the traditional way instead of student lead like Montessori way. Students are asked to preform and its obvious it comes easy to certain kids and harder to others. The parents are blamed for this. The teacher believes those kids who it comes easy to are studying more and those kids who it comes harder to are not putting as much effort in. That couldn’t be further from the truth. Do my kids know the vocabulary words they were required to know? Yes! Do they know all the variety of tiny words that people use to ask when they test them? No! He unfortunately is learning Arabic the way learned Arabic. A bunch of random vocabulary words with no way to string them together in a sentence. I know the word “Fish” for example but that doesn’t help me in a restaurant. How can I distinguish from a waiter saying, “we are out of the fish’ or “the fish is our specialty”. Or from a local saying “the fish is amazing here” or ‘the fish is terrible here”. I gain nothing from the ability to know how to say or understand the word fish. If they are going to teach our kids 500 words each year, instead of teaching vocabulary words that are the most common words that only serve to expand the vocabulary of kids who already speak Arabic, why can’t they focus on sight words? Like the 500 or 1,000 most common words? Imagine that kid whose parent knows no Arabic, they meet someone speaks Arabic and that person asked him “how is he doing?” Or “what is his favorite thing to do?” The child who learned the common words will feel very proud that he knows most if not all of the words the person said. And if he didn’t know all of the words like the word “favorite” he could at least ask what that one word meant. He will feel a sense of pride that he can show off his skills which would motivate him to learn more words including the now new word “favorite”. This child would want to seek out social situations that they feel they can show off their new talents so they can feel this sense of accomplishment again. This is how people learn languages faster and makes them eventually become fluent. 80% of the words we say are the same 500-1,000 words over and over. Language is a perfect example of 80% of your success comes from 20% of your effort. Now imagine that same kid whose parent knows no Arabic, they meet someone speaks Arabic and that person asked him how is he doing? Or what is his favorite thing to do? The child who learned mostly vocabulary words will be embarrassed. They won’t understand what is being asked. This person didn’t say an animal or color or number or ask them to say the alphabet in Arabic. They didn’t ask the child to do any of the things the school taught him and focused on. Instead of having that moment to feel proud and see their hard work pay off, they are instead in a situation where they are embarrassed or feel dumb and they may want to even hide. They learn to avoid practicing their Arabic with others or avoid being placed in that situation where they are expected to preform like that again. It is easy for my kids to avoid situations where they have to speak or try to understand Arabic. He has no one around him to speak it to. My Son is 50% Mexican, 25% white (English/Irish), and 25% Jordanian. My husband is doing what he can to teach our son Spanish and teach him about Mexican food, and fun traditions. We live in America so we speak English, eat American food and enjoy all of the American traditions and culture. But how can I allow him to experience the Arabic Culture if I know nothing about it myself? I don’t know much Arabic as I already admitted. I don’t listen to Arabic music. People usually choose music they can understand and the songs about elephants and cars, which are at my level of understanding are obviously boring for an adult. Others have told me they learned language from soap operas or Tv shows, Yet without knowing all the middle words myself that link car to train it becomes very hard to understand. Imagine trying to watch a show where you only understand one word every 500 that is said. Yes maybe, fish, car, milk is a common word, but knowing ‘the’, ‘and’, ‘to’, ‘what’ are way more common. Knowing even the 200 most common words would be the difference between feeling like you understand 70% of what’s going on verse only 1%. I want my child to eventually know Arabic. I enroll him in a school where many of the other parents speak Arabic. Many of those other kids have already learned the small but essential middle words. Many of their parents ask their kids “what do you want to eat?” Or “Are you hungry?” types of questions that teaches kids to know and be very familiar with these small words. I can teach my kids the colors but how can I teach them all the different ways people could ask questions to test that they know the colors? What if they don’t know what “What color is that” or “Which color is ___” what if my child fails not because he didn’t know the vocabulary word that they were testing for. But because he didn’t know what the question was asking? I could give up on my child ever learning the language or I can say “That’s fine.. let my child fail until he gets use to these phrases.” I don’t mind, especially if they have a wide range of kids ages in the class so he doesn’t feel like a big kid in a baby’s class. The problem starts when the teachers see that some kids advance quickly and others don’t and the teachers assume its from a lack of effort on the kids and parents side. The teacher took a video of a group of kids who answer questions that I don’t even understand, and I see my kid look confused yes, and my friend’s kid who is 100% Jordanian call out most of the answers. I know for a fact I have put in more effort than my friend did to teach her kid because each vocabulary word they have to know I had to first translate, then transliterate so I can pronounce it. I made study guides that took me several days to make just so I can have the translation and transliteration on the same page so he can study with me. My friend doesn’t have to look up ثعلب and translate it to mean fox and then find the transliteration to be pronounced as Thaelab. I have put more effort in. Yet the teachers shame us non-native parents. Saying “they can totally tell which kids study and which kids don’t”. “They say they want this school to be taken seriously, and maybe they need to talk to some parents about if this is the right school for their kids.” Honestly, its not the right school for my kids. As I explained, focusing on common words is way more productive and important that knowing letters, numbers and vocabulary that goes along with the letter of the day. Learning the word bird in Arabic should come way after learning the word ‘what’, ‘is’, or ‘that’. This is the wrong school to learn Arabic, this is more of a school to build on it. But there is no other school where kids can learn together in a fun way. They have fun there, they make projects and friends. Its a good school to spark their interest in learning Arabic. Sure I can just play videos and make him study on Anki or learn on sites like memrise. But how do you convince a kid to learn a language that no one in his family or community speaks? That is the dilemma. Arabic is irrelevant for first and more so, second generation American kids. I have cousins in a far away place who speak Arabic. He only has second cousins that he has never met in a far away place. Should I just give up? I am a parent who is trying my hardest to have a different outcome with my children than I had. I can try as hard as I can but I am only being shamed. I guess I will stick with trying to stay in as long as they let my kids. Until they finally kick out all the non speakers children who I guess make them look bad, because hey, they want to be taken seriously as a Arabic School. Isn’t that what all private schools do? Select for the best and kick the rest out so they look good? What is the point of anyone teaching their American kids Arabic? There is very limited number of people who will speak the language in America because they are being so selective with who gets to learn it. Just like the butterfly effect, you choosing to kick out kids like mine is lowering the likely hood that your grandkids will speak Arabic. Children of Arabic decent is a minority in America. I become friends with people who are from Jordan just like my dad is and our kids play together. You can’t speak Arabic around me if you are polite and your kids won’t speak Arabic around my kids. At playdates and parties you and your kids will all be speaking English to be polite. Your kids won’t see a value or benefit to speak Arabic if they see all of their friends speaking English at parties and playdates. If they don’t practice it they will forget it. If they don’t a reason to practice it they won’t. So having people like me around lowers your chances your kids will find Arabic valuable. So you can say well I will just hang out with people who only speak Arabic and their kids speak Arabic. Everyone else will see the benefit and does the same. The only problem is that when you do that you kick out a big group of people who are Arab but don’t feel any connection to other Arabs. Officially they were shunned from the community for not being 100% Arab. While that makes your own family better at speaking Arabic it makes your community weaker and fleeting. Arab men often marry people who are from different cultures. Women are more likely to do most of the caring and teaching of the kids. The community shuns the children and refuses to teach them Arabic, they refuse to include them in gatherings, or purposely speak Arabic so they won’t feel welcome. And that’s it the wife and children of the Arab father feel no connection to the Arab community. The community shrinks and becomes weaker. What is the purpose or goal of the school? To get a bunch of kids who already speak Arabic be better at reading and writing and having a larger vocabulary? Great! But that isn’t making much difference in the world. Its easier to teach kids who know Arabic, Arabic. But you could do so much more. There is children who are falling through the cracks all the time. They are blank slates and slow learners. Just like kids in ghetto school districts these kids aren’t as rewarding to teach. The teacher and school doesn’t get the pride and recognition to have kids who successful at being fluent. But what if the teacher’s reward didn’t come from having a kid memorize animals and colors? What if the teacher’s reward isn’t from instant gratification of seeing their kids succeed on test? What if the teacher’s reward came from seeing this kid who only has 25%, 13% or 0% Arab in them, stay connected in the community in 5 or 10 years from now. What if the teachers reward was from spreading language to those who wouldn’t otherwise be taught it. Do something that maters! Do something that changes the world. At least in the world of your little community. Those kids you make feel bad, and kick out and going to grow up and be people leading and voting in your community. Do you want those kids to grow up with love in their hearts for the Arab community or you want them to feel resentment for not being good enough to teach? Aesop's Fable 53. The Father, His Sons, and the Sticks There was once a man whose three sons were always fighting with each other. This made the man sad because he wanted his sons to get along. So, in order to teach the boys about the power of unity, he commanded them to bring him a dozen slender sticks of wood, each about as thick as a pencil. The father then addressed his eldest son. "Son," he said, "I want you to take one of these sticks and break it." The son did as his father told him, breaking the stick easily. The father then told his second son to take a stick and break it. When the father commanded his third son to do the same thing, the son laughed and said, "Father, it's obvious that these sticks are easy to break. I don't understand why you're making us do this." The father smiled and replied, "I have my reasons." Turning back again to his first son, the man commanded, "Take the remaining sticks and tie them into a bundle." The boy did as he was told. "Now try to break the sticks," the father commanded. The boy tried and tried, but he wasn't able to break the bundle of sticks. The father then commanded his other sons to try to break the bundle, but they were not able to do so. At last, the father explained the lesson. "You, my boys, are like these sticks," he said. "If you cooperate and stand united, no one will be able to break you. If, on the other hand, you quarrel with one another and act on your own, it will be easy for your enemies to break you. Please take this lesson to heart," he concluded, "and stay close to another." The moral of the story is that strength comes from unity.

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نتايج التوجيهي 2020

 نتايج التوجيهي 2020

اعلان نتائج التوجيهي 2020 الاردن حسب الاسم ورقم الجلوس

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Need to Sell Faster? Price Higher - Trulia's Blog

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5 Passive Income Tax Benefits You Can’t Afford To Ignore

5 Passive Income Tax Benefits You Can’t Afford To Ignore

http://www.fortunebuilders.com/5-passive-income-tax-benefits/?utm_source=featured&utm_medium=email&utm_campaign=newsletter&utm_content=07262016

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Let’s be honest; few things can compete with a quality passive income portfolio that has already proven capable of generating cash flow. With most of the work done up front and the right precautions taken, it is entirely possible to sit back and collect rent checks for as long as you own the property. Who doesn’t like the sound of that?

However, while most are familiar with the concept of a passive income rental property, few are actually aware of just how good of an investment they can be. Of course the right property will attract tenants with monthly cash flow, but it is important to note that the benefits of a rental property extend far beyond that of the capital they bring in. In fact, you could argue that the cash flow is an added bonus, coming in a close second to tax benefits. For what it’s worth, the tax benefits associated with a passive income property can very well be the most attractive asset sought out by landlords.

Everyone knows how profitable the right passive income property in the ideal location can be, but the same properties often coincide with more impressive tax benefits and deductions. However, far too many investors overlook the deductions they can make when it comes time to file their taxes. Having said that, approaching tax season with an acute attention to detail and an understanding of the deductions awarded to passive income investors can mean the difference between a profitable rental property and losing money on your real estate venture.

If you own a rental property, investor or not, you are entitled to certain deductions by the Internal Revenue Service (IRS). That said, nobody is going to hold your hand and tell you which deductions you can legally make; it’s up to you to familiarize yourself with them. So whether you are a passive income investor yourself, or are simply curious as to which deductions landlords can make come tax time, here are a few of the passive income tax benefits you won’t want to miss out on:

landlord pays on their mortgage isn’t their biggest expense, it is certainly close to it. Even with rates as low as they are today, interest payments are a sizable cost that needs to be accounted for. Nonetheless, for as intimidating as interest payments can be, they are not without their benefits. Mortgage interest has become synonymous with one of the largest deductions landlords can make. Passive income investors can deduct mortgage interest payments on loans used to acquire or improve a rental property. However, it is important to note that they can also deduct the interest paid on credit cards specifically used to to maintain rental property activity.

2. Repairs: Slightly more ambiguous than their interest deduction counterpart, repairs can only be deducted in the event that they are ordinary, necessary, and reasonable in amount. That said, repairs can only be deducted in the year in which they are made. Common repairs that can be deducted from your taxes come April are fixing leaks, repainting, plastering, replacing broken windows and fixing floors.

It is important to note, however, that repairs and improvements are not one in the same; there are slight differences between the two. As a passive income investor, it is in your best interest to differentiate between repairs and improvements. For clarification, I would like to refer you to how the IRS defines an improvement:

* The changes make a long-term asset much better than it was before

* The changes restore a subject asset to operating condition

* The changes adapt an asset to a new use

If you are looking to deduct repairs, they can’t fall within any of the aforementioned categories. Instead, to be able to deduct repairs from your passive income property, any expenses you incur can’t result in the betterment, restoration or adaptation of a property’s features.

3. Travel Resulting From Rental Activity: Far too many passive income investors are not aware of the tax deductions that extend beyond the physical upkeep of a property. Having said that, it is entirely possible to deduct the amount of money you spend traveling for the sake of running and maintaining the property. Anywhere you drive for the sake of the rental, which includes visits to the property itself, can mount to travel expenses. Most notably, you can deduct the actual expenses incurred while traveling (gas, upkeep, repairs, etc). To clarify, travel expenses must be common, helpful, appropriate for your rental activity and — above all else — be solely for rental activities. Much like the repairs made on a property, deductions resulting from travel costs must be made in the same year they were incurred.

4. Home Office: Passive income investors, not unlike most professionals that work from home, are allowed to deduct their home office; provided it meets the minimal criteria. What’s more, this deduction helps both renters and homeowners. You can deduct your home office whether you on the home it is in or are simply renting it. However, like every other deduction on this list, the home office must meet certain requirements to qualify for a deduction.

According to NOLO, “the home office deduction is available only if you are running a bona fide business.” That means any work dedicated to your passive income property from the confines of your own home can’t be a hobby. “If the IRS decides that you are indulging a hobby rather than trying to earn a profit, it won’t let you take the home office deduction.”

If you are going to claim a home office deduction, it is in your best interest to prepare to prove said claim. The following steps will help you confirm your home office is the result of a legit business:

* Photograph your home office to include in your tax folder. Be sure to include a diagram showing the relative size of the office to the living space.

* Route any mail for your business to your home office address.

* Include your home address on business cards and stationary of a similar nature.

* Install a separate phone line to be used solely for business purposes.

* Keep a log of any clients or customers that visit your home office.

* Don’t forget to keep track of the time you spend working at home.

5. Depreciation: Otherwise known as depreciation losses, depreciation tax write-offs are essentially the most important tax deduction in a passive income investor’s arsenal. As their name suggests, depreciation losses permit the owners of rental properties to write off the cost of the home over a predetermined period of time. The subject property is essentially a business expense, and therefore can be written off.

However, you can’t write off the entire cost of the property in the same year. Instead, the IRS will spread the deduction out over the predetermined life of the home, which — according to the IRS — is 27.5 years. That means passive income property owners can deduct a portion of of the cost of the home every year for nearly 28 years.

The IRS defines depreciation losses as “allowances for exhaustion, wear and tear (including obsolescence) of property.” According to their website, “You begin to depreciate your rental property when you place it in service. You can recover some or all of your original acquisition cost and the cost of improvements by using Form 4562, Depreciation and Amortization, (to report depreciation) beginning in the year your rental property is first placed in service, and beginning in any year you make improvements or add furnishings.”

This passive income tax benefit is to account for the perceived loss in value associated with aging assets. If for nothing else, homes depreciate in value everyday in the eyes of the IRS. This is a way for homeowners to make up for allegedly lost capital. However, and this is the real kicker, while homes may depreciate in value in the eyes of the IRS, properties actually appreciate more often than they depreciate. More often than not, the loss never actually occurs. Homeowners are therefore able to take advantage of deductions without their asset depreciating. It’s almost too good to be true.

Passive income tax benefits have the potential to turn a good rental property into a great one. However, as I said before, nobody is going to hold your hand and tell you to claim the appropriate deductions; you need to make sure you know what is within your legal right to deduct. I encourage all passive income investors to consult a certified public accountant (CPA) to confirm that they are, in fact, taking advantage of all the deductions made available. Please take note of the passive income tax benefits you qualify for and see to it they contribute to your bottom line instead of taking away from it

مواعيد الصلاة

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<center> <form method=GET target="_blank" action="http://www.islamicfinder.org/cityPrayer.php"> <table border=0 bordercolor="#008C8C"  class = "IslamicData" bgcolor="#008C8C" dir= cellspacing=1 cellpadding=1> <tr><td bgcolor="#008C8C" >

<center><font color="#FFFFFF">Prayer Times For 6 Million Cities Worldwide</font></center>

</td>

</tr>

<tr>

<td class = "IslamicData" bgcolor="#FFFFFF">  Country: <select class=ft11 name="country"> <option value=none>Select a country</option>

<option value=afghanistan>Afghanistan</option>

<option value=albania>Albania</option>

<option value=algeria>Algeria</option>

<option value=andorra>Andorra</option>

<option value=angola>Angola</option>

<option value=anguilla>Anguilla</option>

<option value=antarctica>Antarctica</option>

<option value=antigua_barbuda>Antigua Barbuda</option>

<option value=argentina>Argentina</option>

<option value=armenia>Armenia</option>

<option value=aruba>Aruba</option>

<option value=ashmore_cartier_islands>Ashmore Cartier Islands</option>

<option value=australia>Australia</option>

<option value=austria>Austria</option>

<option value=azerbaijan>Azerbaijan</option>

<option value=bahamas>Bahamas</option>

<option value=bahrain>Bahrain</option>

<option value=bangladesh>Bangladesh</option>

<option value=barbados>Barbados</option>

<option value=bassas_de_india>Bassas De India</option>

<option value=belarus>Belarus</option>

<option value=belgium>Belgium</option>

<option value=belize>Belize</option>

<option value=benin>Benin</option>

<option value=bermuda>Bermuda</option>

<option value=bhutan>Bhutan</option>

<option value=bolivia>Bolivia</option>

<option value=bosnia_herzegovina>Bosnia Herzegovina</option>

<option value=botswana>Botswana</option>

<option value=bouvet_island>Bouvet Island</option>

<option value=brazil>Brazil</option>

<option value=british_indian_ocean_territory>British Indian Ocean Ter..</option>

<option value=british_virgin_islands>British Virgin Islands</option>

<option value=brunei_darussalam>Brunei Darussalam</option>

<option value=bulgaria>Bulgaria</option>

<option value=burkina_faso>Burkina Faso</option>

<option value=Burma>Burma</option>

<option value=burundi>Burundi</option>

<option value=cambodia>Cambodia</option>

<option value=cameroon>Cameroon</option>

<option value=canada>Canada</option>

<option value=cape_verde>Cape Verde</option>

<option value=cayman_islands>Cayman_Islands</option>

<option value=central_african_republic>Central African Republic</option>

<option value=chad>Chad</option>

<option value=chile>Chile</option>

<option value=china>China</option>

<option value=christmas_island>Christmas Island</option>

<option value=clipperton_island>Clipperton Island</option>

<option value=cocos_islands>Cocos Islands</option>

<option value=colombia>Colombia</option>

<option value=comoros>Comoros</option>

<option value=congo>Congo</option>

<option value=congo_democratic_republic>Congo Democratic Republic</option>

<option value=cook_islands>Cook Islands</option>

<option value=coral_sea_islands>Coral Sea Islands</option>

<option value=costa_rica>Costa Rica</option>

<option value=cote_dlvoire>Cote Dlvoire</option>

<option value=croatia>Croatia</option>

<option value=cuba>Cuba</option>

<option value=cyprus>Cyprus</option>

<option value=czech_republic>Czech_republic</option>

<option value=denmark>Denmark</option>

<option value=djibouti>Djibouti</option>

<option value=dominica>Dominica</option>

<option value=dominican_republic>Dominican Republic</option>

<option value=east_timor>East Timor</option>

<option value=ecuador>Ecuador</option>

<option value=egypt>Egypt</option>

<option value=el_salvador>El Salvador</option>

<option value=equatorial_guinea>Equatorial Guinea</option>

<option value=eritrea>Eritrea</option>

<option value=estonia>Estonia</option>

<option value=ethiopia>Ethiopia</option>

<option value=europa_island>Europa Island</option>

<option value=falkland_islands_malvinas>Falkland Islands Malvinas</option>

<option value=faroe_islands>Faroe Islands</option>

<option value=fiji>Fiji</option>

<option value=finland>Finland</option>

<option value=france>France</option>

<option value=french_guiana>French Guiana</option>

<option value=french_polynesia>French Polynesia</option>

<option value=french_southern_antarctic_lands>French S. Antarctic Lands</option>

<option value=gabon>Gabon</option>

<option value=gambia>Gambia</option>

<option value=georgia>Georgia</option>

<option value=germany>Germany</option>

<option value=ghana>Ghana</option>

<option value=gibraltar>Gibraltar</option>

<option value=glorioso_islands>Glorioso Islands</option>

<option value=greece>Greece</option>

<option value=greenland>Greenland</option>

<option value=grenada>Grenada</option>

<option value=guadeloupe>Guadeloupe</option>

<option value=guatemala>Guatemala</option>

<option value=guernsey>guernsey</option>

<option value=guinea>Guinea</option>

<option value=guinea_bissau>Guinea Bissau</option>

<option value=guyana>Guyana</option>

<option value=haiti>Haiti</option>

<option value=heard_island_mcdonald_islands>Heard Is. Mcdonald Is.</option>

<option value=honduras>Honduras</option>

<option value=hong_kong>Hong Kong</option>

<option value=hungary>Hungary</option>

<option value=iceland>Iceland</option>

<option value=india>India</option>

<option value=indonesia>Indonesia</option>

<option value=iran>Iran</option>

<option value=iraq>Iraq</option>

<option value=ireland>Ireland</option>

<option value=isle_of_man>Isle Of Man</option>

<option value=italy>Italy</option>

<option value=jamaica>Jamaica</option>

<option value=jan_mayen>Jan Mayen</option>

<option value=japan>Japan</option>

<option value=jersey>jersey</option>

<option value=jordan>Jordan</option>

<option value=juan_de_nova_island>Juan De Nova Island</option>

<option value=kazakstan>Kazakstan</option>

<option value=kenya>Kenya</option>

<option value=kiribati>Kiribati</option>

<option value=kuwait>Kuwait</option>

<option value=kyrgyzstan>Kyrgyzstan</option>

<option value=lao_peoples_democratic_republic>Lao Peoples Dem. Rep.</option>

<option value=latvia>Latvia</option>

<option value=lebanon>Lebanon</option>

<option value=lesotho>Lesotho</option>

<option value=liberia>Liberia</option>

<option value=libya>Libya</option>

<option value=liechtenstein>Liechtenstein</option>

<option value=lithuania>Lithuania</option>

<option value=luxembourg>Luxembourg</option>

<option value=macau>Macau</option>

<option value=macedonia>Macedonia</option>

<option value=madagascar>Madagascar</option>

<option value=malawi>Malawi</option>

<option value=malaysia>Malaysia</option>

<option value=maldives>Maldives</option>

<option value=mali>Mali</option>

<option value=malta>Malta</option>

<option value=marshall_islands>Marshall Islands</option>

<option value=martinique>Martinique</option>

<option value=mauritania>Mauritania</option>

<option value=mauritius>Mauritius</option>

<option value=mayotte>Mayotte</option>

<option value=mexico>Mexico</option>

<option value=micronesia>Micronesia</option>

<option value=moldova>Moldova</option>

<option value=monaco>Monaco</option>

<option value=mongolia>Mongolia</option>

<option value=montserrat>Montserrat</option>

<option value=morocco>Morocco</option>

<option value=mozambique>Mozambique</option>

<option value=namibia>Namibia</option>

<option value=nauru>Nauru</option>

<option value=nepal>Nepal</option>

<option value=netherlands>Netherlands</option>

<option value=netherlands_antilles>Netherlands Antilles</option>

<option value=new_caledonia>New Caledonia</option>

<option value=new_zealand>New Zealand</option>

<option value=nicaragua>Nicaragua</option>

<option value=niger>Niger</option>

<option value=nigeria>Nigeria</option>

<option value=niue>Niue</option>

<option value=no_mans_land>No Mans Land</option>

<option value=norfolk_island>Norfolk Island</option>

<option value=north_korea>North Korea</option>

<option value=norway>Norway</option>

<option value=oceans>Oceans</option>

<option value=oman>Oman</option>

<option value=pakistan>Pakistan</option>

<option value=palau>Palau</option>

<option value=palestine>Palestine</option>

<option value=panama>Panama</option>

<option value=papua_new_guinea>Papua New Guinea</option>

<option value=paracel_islands>Paracel Islands</option>

<option value=paraguay>Paraguay</option>

<option value=peru>Peru</option>

<option value=philippines>Philippines</option>

<option value=pitcairn_islands>Pitcairn Islands</option>

<option value=poland>Poland</option>

<option value=portugal>Portugal</option>

<option value=puerto_rico>Puerto Rico</option>

<option value=qatar>Qatar</option>

<option value=reunion>Reunion</option>

<option value=romania>Romania</option>

<option value=russia>Russia</option>

<option value=rwanda>Rwanda</option>

<option value=saint_helena>Saint Helena</option>

<option value=saint_kitts_nevis>Saint Kitts Nevis</option>

<option value=saint_lucia>Saint Lucia</option>

<option value=saint_pierre_miquelon>Saint Pierre Miquelon</option>

<option value=saint_vincent_grenadines>Saint Vincent Grenadines</option>

<option value=samoa>Samoa</option>

<option value=san_marino>San Marino</option>

<option value=sao_tome_and_principe>Sao Tome and Principe</option>

<option value=saudi_arabia>Saudi Arabia</option>

<option value=senegal>Senegal</option>

<option value=seychelles>Seychelles</option>

<option value=sierra_leone>Sierra Leone</option>

<option value=singapore>Singapore</option>

<option value=slovakia>Slovakia</option>

<option value=slovenia>Slovenia</option>

<option value=solomon_islands>Solomon_islands</option>

<option value=somalia>Somalia</option>

<option value=south_africa>South Africa</option>

<option value=south_georgia_the_south_sandwitch_islands>S. Georgia S. Sandwitch Is.</option>

<option value=south_korea>South Korea</option>

<option value=spain>Spain</option>

<option value=spratly_islands>Spratly Islands</option>

<option value=sri_lanka>Sri Lanka</option>

<option value=sudan>Sudan</option>

<option value=suriname>Suriname</option>

<option value=svalbard_and_jan_mayen>Svalbard & Jan Mayen</option>

<option value=swaziland>Swaziland</option>

<option value=sweden>Sweden</option>

<option value=switzerland>Switzerland</option>

<option value=syria>Syria</option>

<option value=taiwan>Taiwan</option>

<option value=tajikistan>Tajikistan</option>

<option value=tanzania>Tanzania</option>

<option value=thailand>Thailand</option>

<option value=togo>Togo</option>

<option value=tokelau>Tokelau</option>

<option value=tonga>Tonga</option>

<option value=trinidad_tobago>Trinidad Tobago</option>

<option value=tromelin_island>Tromelin Island</option>

<option value=tunisia>Tunisia</option>

<option value=turkey>Turkey</option>

<option value=turkmenistan>Turkmenistan</option>

<option value=turks_caicos_islands>Turks Caicos Islands</option>

<option value=tuvalu>Tuvalu</option>

<option value=uganda>Uganda</option>

<option value=ukraine>Ukraine</option>

<option value=under_sea_features>Under Sea Features</option>

<option value=united_arab_emirates>United Arab Emirates</option>

<option value=united_kingdom>United Kingdom</option>

<option value=uruguay>Uruguay</option>

<option value=us_virgin_islands>US Virgin Islands</option>

<option value=usa>USA</option>

<option value=uzbekistan>Uzbekistan</option>

<option value=vanuatu>Vanuatu</option>

<option value=vatican_city>Vatican City</option>

<option value=venezuela>Venezuela</option>

<option value=viet_nam>Viet Nam</option>

<option value=wallis_futuna>Wallis Futuna</option>

<option value=west_bank>West Bank</option>

<option value=yemen>Yemen</option>

<option value=yugoslavia>Yugoslavia</option>

<option value=zambia>Zambia</option>

<option value=zimbabwe>Zimbabwe</option>  

</select>   <input class="ft11" type="submit" value="Go"> </td>

     </tr>

</table>

</form>

</center> 

How to pick up a whole tree of olives in 7 seconds

It may take several hours to pick the olives from a single tree but with this machine it only takes about 7 seconds watch the video. قد تستغرق عدة ساعات لقطف ثمار شجرة زيتون واحدة، الا انها تستغرق  ٧ توانٍ فقط لقطف الشجرة باستخدام هذه الآلة  انظر الى الفيديو 

https://youtu.be/GKF_axA9zog

Partial sale of property, County purchased 5' of my property - TurboTax Support

HOW TO REPORT PARTIAL SALES



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Partial sale of property, County purchased 5' of my property - TurboTax Support:



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The IRS gets a copy of that 1099-S, so they expect to see it reported on your return. You have two choices. I would use #1, although #2 is what the IRS probably thinks you should do
1. Report the  gross  income (see below for how to enter) then show the same amount as your basis, for a net gain of 0. On your own records, reduce your cost basis by that amount for future sale. 
2. The portion that is "damages" (the tree) is only a reduction in cost basis. You have to estimate or guess what the cost basis in the land that was taken is. The cost basis you show on your tax return is that number plus the damages portion of the 1099. Your real estate tax bill is a good place to start. For example if the tax bill says 25% of the total assessment is for land, and you sold 10% of your land; then a good estimate of your cost basis is: 0.25 x 0.10 x original purchase price. You reduce your cost basis in the remaining property by the amount you claim as basis on this "sale".

There is a a tax exclusion for the sale of a home, or partial sale. So, even if you go thru the complicated procedure for #2, you end up owing the government nothing.

TurboTax does not have an entry point for a 1099-S (other than home sale). So, for option #1 In TurboTax (TT), enter at:
- Federal Taxes tab
 - Wages & Income
- “I’ll choose what I work on” Button
Scroll down to:
-Investment Income
   -Stocks, mutual funds, Bonds, Other (Real estate is other)

For option #2, type> home - sale of home <in the search box

How to Get a Perfect 850 FICO Credit Score Automatically - Yahoo Finance

How to Get a Perfect 850 FICO Credit Score Automatically

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These days the web is full of stories about how to massage your credit history and score to look your best to lenders. On this site and others, you’ve probably seen stories like “7 Fast Ways to Raise Your Credit Score” and “5 Do’s and 4 Don’ts to Repair Your Credit.”

While these stories are helpful, if you’re seeking a perfect credit score, you don’t need them.

Over the 25 years I’ve been doing personal finance news, I’ve done countless articles and TV stories about managing, improving and restoring credit. But here’s a confession. I’ve used few, if any, of the tips I’ve offered. Yet, my FICO credit score was recently a perfect 850. That’s it in the picture above.

So how did I ignore common wisdom, yet end up with a perfect score? Here are the rules I followed.

Rule number 1: No income, no borrow

Some of those with credit problems today earned their bad marks at an early age. This is partially their fault and partially the fault of the lending industry.

When I was in college back in the 1970s, the credit game was simple: If you were a student and had no income, you couldn’t get a credit card or otherwise borrow, period.

This, of course, is perfectly logical. What idiot would lend money to someone with no means of repaying it? Conversely, what idiot would borrow money, especially at exorbitant interest rates, that they can’t hope to repay?

Fast forward a few decades and the world is now full of lending, and borrowing, idiots. For many years now, banks have been invading campuses, throwing credit cards at any student who can fog a mirror. And those students have been happily gobbling them up, some apparently with little thought of what happens when you’re charged 15 percent interest on money you can’t immediately repay.

The result of this behavior is depressingly predictable. For banks, uncollectible accounts, big write-offs and fat losses. For students, credit damage that takes weeks to create and years to resolve.

I got my first credit card at age 21, shortly after I got my first job. In the 40 years since, I’ve rarely carried a balance and never paid a bill late.

This is not because I’m particularly responsible. It’s because I was brought up to believe credit is dangerous, so should be used sparingly. These days, many kids are apparently raised to believe credit is not only benign, it’s a part of growing up. Like learning to drive, it’s something everyone needs to experience at the earliest possible age. It’s an American birthright.

Watch the video of ‘How to Get a Perfect 850 FICO Credit Score Automatically’ on MoneyTalksNews.com.

Today’s attitude didn’t happen by accident. Lenders took a page from the tobacco marketers’ handbook. They used advertising, along with everything else at their disposal, to carefully craft a message: Credit is your friend, it’s what you’re supposed to use, and the sooner the better.

As with tobacco, the goal was to create a generation of addicts. As with tobacco, it worked splendidly.

If you want to have a perfect credit score, don’t use credit to pad your lifestyle or borrow money you don’t have. And if you want your kids to have a perfect credit score, let them leave home without their American Express card, but don’t let them leave home without this simple lesson.

Rule number 2: Spend less than you make

As I said above, I’ve never paid a bill late. That’s not because I’ve always been wealthy and it’s not because I’ve never lost a job, gotten divorced or otherwise experienced financial catastrophe.

The secret? Spending less than you make. Do this, and you’ll automatically create a cash cushion that will come in handy when push inevitably comes to shove. Fail to do this, and when your back is against the wall, you’ll borrow money you can’t immediately pay back and put your potentially perfect credit score at risk.

Obviously, there are situations that will derail even the best laid plans. That’s life. But the bigger the cushion you can accumulate, and the sooner you do it, the better your odds of achieving and maintaining a perfect credit score.

Rule number 3: Never borrow to buy things that go down in value

Keeping a perfect credit score doesn’t mean not using credit. As I said, I got my first credit card at 21 and still use them often. And I’ve also borrowed more than a million dollars over the years, primarily in the form of mortgage loans.

What I’ve skipped for the most part, however, is borrowing money to buy depreciating assets, like vacations, cars and clothes.

When I graduated from college, my parents gave me a used Toyota. Within weeks, I sold it and used the money for the down payment on my first home. I then went to a credit union and borrowed money to buy a classic 1958 Triumph TR3. That was my first and only car loan. I drove that car for a couple of years, sold it for more than I paid for it, then bought a used car for cash.

From that day to this, cash is how I’ve paid for cars. How could I afford new cars? Simple. I’ve never owned one. Today I drive a Mercedes that cost its first owner more than $100,000. They drove it 30,000 miles, then sold it to me for $45,000.

It’s this simple: When you borrow, you’re paying someone to temporarily use their money. If what you buy with that money goes up in value by more than what you pay to use it, you get richer. If it doesn’t, you get poorer. And if you can’t pay it back on time, you get a credit score that’s less than perfect.

Rule number 4: Don’t micromanage

These days the internet is full of websites and expensive services that urge you to continually track your credit score. Well, here’s a secret: If you have to constantly monitor your credit and micromanage your score, you’re doing it wrong.

That’s not to say you shouldn’t keep an eye on your credit. You should, especially when you’re about to show it to a lender, landlord, insurance company or potential employer. But if you follow simple rules, you won’t need to micromanage your score and you won’t need credit websites and services or stories about credit hacks.

Want perfect credit? Here’s all the advice you need: Don’t screw up. Pay your bills on time, every time, for long periods of time. Do that and one day you’ll have a perfect score automatically.

This article was originally published on MoneyTalksNews.com as 'How to Get a Perfect 850 FICO Credit Score Automatically'.

TIPS FOR NEW MOMS TO BE...,

Welcome to motherhood! 

Being a new mother is hard, but here are some tips that I hope will make life little easier on decisions on what you need, and what you might want to look for in quality. I put together a list of items that are essential for making life easier with a new baby.  I have used all of these products and loved them all. The * means you definitely need as a new mom.  It was hard not to put a * next to everything on the list because they all are so important.

Drunk cop giving a sobriety test. Yes, the COP is Drunk!

The 6 Tax Deductions That Save You the Most Money - Taxes

The 6 Tax Deductions That Save You the Most Money - Taxes:

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It’s that time of year when the taxman wants your money. But thanks to the tax code, there are many deductions that can help keep cash in your pocket instead of going to Uncle Sam.

“No one deduction is better than any other deduction,” says Jackie Perlman, senior tax research analyst with the Tax Institute at H&R Block. “It depends on your circumstances, your filing status and your tax bracket. Generally, the higher the tax bracket, the more valuable the tax deduction.”

Still, a handful of standby deductions can be very lucrative for many taxpayers. Here are the six deductions you don’t want to miss.

1. Medical expense deduction: 9 million returns used this deduction in 2013, with an average deduction of $9,392.

This can be a helpful deduction if you have a high-deductible health insurance and a big-time medical event in one year. You can deduct qualified medical expenses that exceed 10 percent of your adjusted gross income, or AGI, which is your taxable income minus above-the-line deductions. Say your AGI is $50,000. Ten percent of that is $5,000, which means you can deduct only the amount that exceeds $5,000. If you have $6,500 of medical expenses, you can deduct $1,500 as a medical expense.

Related: 10 Important Tax Dates for 2016

This year, taxpayers 65 and older are allowed to deduct medical expenses that exceed 7.5 percent of AGI, an improvement over the 10 percent rule. The IRS spells out which medical deductions qualify. And remember, expenses are only eligible if they were not reimbursed by an insurer or employer.

2. State and local income or sales tax deduction: 42.7 million returns used this deduction in 2013, with an average deduction of $9,336 for income tax and an average deduction of $1,647for sales tax.

Since 2002, taxpayers have been able to deduct state and local sales taxes or state and local income taxes on their federal returns, but not both. For many people, the income tax deduction is usually the higher of the two. But the sales tax deduction option helps residents in states that don’t have income tax, such as Florida, Nevada, Texas, Washington, Wyoming and South Dakota. Residents in states with a high sales tax or taxpayers who made a huge purchase subject to a sales tax like a car, boat or RV, may find the sales tax deduction more beneficial than the income tax one.

Related: Filing Alert – How Obamacare Affects Your 2015 Taxes

3. Mortgage interest deduction: 33.3 million returns used this deduction in 2013, with an average deduction of $8,900.

You can deduct any interest you pay on a loan secured by a primary residence or second home, including a mortgage, second mortgage, line of credit or home equity loan. Generally, the deduction is limited to home loans that total $1 million or less. You can typically deduct interest on home equity debt up to $100,000.

4. Charitable donations deduction: 36.4 million returns used this deduction in 2013, with an average deduction of $5,343.

If you’re a big giver, you can get something in return at tax time. Generally, you can deduct up to 50 percent of your AGI for contributions to public charities, colleges and religious groups. The limits are a lower for gifts to other kinds of nonprofits. When it comes to gifts of appreciated property, the limit falls to 30 percent for gifts of appreciated property, such as securities, real estate, art, jewelry or antiques. If your gifts exceed these limits, then the excess deduction can be carried over to the next tax year.

5. State and local real estate tax deduction: 37.8 million returns used this deduction in 2013, with an average deduction of $4,610.

Real estate tax on a home or other property you own is deductible on your federal taxes. To get the deduction, you must have paid the taxes to the assessor in the tax year, including any prepaid taxes for the following year. Real estate taxes paid on foreign property and school taxes based on the property’s value are also deductible. What’s not deductible includes assessments for local improvements, charges for trash collection or library taxes, or fees that aren’t based on the property’s value.

Related: Tax Trouble – 32 Celebrities Who’ve Tangled With the IRS

6. Above-the-line deductions: 37.7 million returns used this deduction in 2013, with an average deduction of $3,714.

Also known as adjustments to income, these deductions can be taken without itemizing and they will reduce your AGI, almost always cutting your overall tax bill. Some of the most useful above-the-line deductions are for tuition and fees up to $4,000, contributions to traditional IRAs, student loan interest up to $2,500 and contributions to health savings accounts. Self-employed workers can deduct self-employment tax, contributions to self-employed retirement plans and premiums for self-employed health insurance. Other items that can be deducted above the line include any penalty on early withdrawal of savings and alimony paid to an ex-spouse, among other things.

I’ll take mine black. For stainless appliances, darker is the future - Yahoo Finance

I’ll take mine black. For stainless appliances, darker is the future - Yahoo Finance:



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How to buy stocks now if you’ve missed this massive bull market - MarketWatch

How to buy stocks now if you’ve missed this massive bull market - MarketWatch:



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Money Minute: Your credit score decoded - Yahoo Finance

Money Minute: Your credit score decoded - Yahoo Finance:



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4 Ways to Earn Money Without Lifting a Finger - Yahoo Finance

4 Ways to Earn Money Without Lifting a Finger - Yahoo Finance:



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These 49 Creamy Dips Put Guac and Hummus to Shame - Millennial Lifestyles

These 49 Creamy Dips Put Guac and Hummus to Shame - Millennial Lifestyles:



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