The Smart Way to Claim Social Security Benefits During the Coronavirus Pandemic

f you’re ready to file for Social Security benefits, here are five steps to guide you.

Barbara Eisner Bayer
Aug 23, 2020 at 6:56AM
Author Bio

Are you ready to apply for Social Security benefits? Have you made your retirement planrun the different scenarios, and decided that now’s the time? Unfortunately, Social Security offices are closed during the COVID-19 pandemic, so you can’t just walk in and discuss it with a counselor. There are, however, several other ways to claim your benefits, and they’re much simpler than walking into an office.

Luckily, the Social Security Administration (SSA) is performing all services via telephone or online. It’s easiest to do it online, but if you’re having difficulty navigating the website, you can make an appointment with a Social Security representative for a telephone consultation. Here are five steps to guide you through the process.

A hand holding a Social Security card

IMAGE SOURCE: GETTY IMAGES.

Step 1: Do an information review

First, sign up for an account and review your latest Social Security statement. That will let you know the amount of benefit you’re eligible for. Review your earnings history to make sure everything is accurate. This is important, because your benefit amount is based on how much you’ve earned over your lifetime. If that information is wrong, you may not get the full amount you’re entitled to.

A woman stands, with notepad and pen, behind a laptop on a desk.

IMAGE SOURCE: GETTY IMAGES

Step 2: Gather your documents

When you’re applying for benefits, you generally need the following documents:

  • Your birth certificate
  • Proof of your U.S. citizenship
  • A copy of your U.S. military service paper(s) if you served in the military before 1968
  • A copy of your W-2 form(s) and/or your tax return for last year if you were self-employed
  • Your Social Security card

They also may request the following information, so make sure you have it:

  • Your date and place of birth
  • Your spouse’s name, birth date, and Social Security number and information about your former spouses. They may even ask for the date and location at which you got married, and the dates of any divorce or death.
  • The names of your children
  • If you’ve previously applied for Social Security benefits, Medicare, or Supplemental Security Income (SSI)

This is the pandemic era, however, so you can’t go into the SSA office with your documents. If you file online or via telephone, you’ll only need the information on these documents. If you call, make sure you have this information in one spot so you can easily give them to your representative.

An older person on a cellphone

IMAGE SOURCE: GETTY IMAGES.

Step 3: Decide if you want to file online or over the telephone

The easiest way to apply for benefits is to use the online application process. According to the Social Security website: “[A]pplying for Retirement/Medicare may take between 10 to 30 minutes to complete depending on your situation. You can save your application as you go, so you can take a break at any time.”

If your situation is complicated or you’re uncomfortable using the internet to file, you can make an appointment to file via telephone by calling 800-772-1213. (If you’re hearing impaired, you can call 800-325-0778.) The phones are monitored Monday through Friday, 7 a.m. to 7 p.m. At the time of your appointment, the representative will call you. Don’t be concerned if the call is late — Social Security reps, like the rest of us, often run behind schedule.

You should file one or two months before you want benefits to begin, but if you’re the worrying type, you can do it up to three or four months before. It takes a little time to process the paperwork; by putting in your application a few months early, you can fix any problems that come up without it interfering with your starting date.

Hand holding pen and filling out a Social Security form, with glasses and a calculator on top of the papers.

IMAGE SOURCE: GETTY IMAGES.

Step 4: Fill out the application

During pre-pandemic days, you could just walk into the Social Security office and fill out an application. Since offices are closed, however, you can do it online.

If you start to complete the application form but find that it’s too confusing or complicated, call the agency and set up a phone appointment. During the call, the Social Security representative will fill out the form for you.

A man holds several fanned out monetary bills in an open wallet.

IMAGE SOURCE: GETTY IMAGES

Step 5, the final step: Get your benefits

Voila… you’re done! After you file, you’ll receive a letter in the mail that tells you how much you’ll receive each month. If you’re already receiving Medicare through direct withdrawal from your bank account, you no longer need to do that — the monthly Medicare fee will be deducted directly from your benefits.

In general, Social Security checks are paid on the second, third, and fourth Wednesdays of every month, but the day you’ll receive yours is dependent on your birth date, according to the following schedule:

  • If you were born between the 1st and the 10th, you’ll receive the check on the second Wednesday.
  • If you were born between the 11th and 20th, the third Wednesday.
  • If you were born between the 21st and 31st, the fourth Wednesday.

It’s easier than ever to apply for Social Security during the pandemic either online or via phone. Once you do, sit back and wait for the money to be directly deposited in your account and begin enjoying your retirement. You’ve earned every penny of it!

12 Tax Changes Joe Biden Wants to Make

he former vice president is aiming to generate up to $3.7 trillion in added federal tax revenue over the next decade.

Sean Williams
Sean Williams

(TMFUltraLong)
Aug 23, 2020 at 5:51AM
Author Bio

Though it can be hard to look past the unprecedented disruption brought on by the coronavirus disease 2019 (COVID-19) pandemic, Americans across the country are just 72 days away from heading to their local voting booths or mailing in their ballots for Election Day. As we learned from 2016, a lot can change in a matter of weeks. But as things stand now, nearly all polls suggest that Democratic Party nominee Joe Biden will unseat incumbent Republican Donald Trump for the presidency come November.

While there’s still a lot to be decided — 10 weeks is an eternity in the political landscape — Biden’s lead in the polls has brought his policies into greater focus. In particular, voters and economists are beginning to hone in on Biden’s tax plan, which aims to raise between $3.3 trillion and $3.7 trillion in additional federal tax revenue over the next decade if implemented fully in 2021.

Here are the 12 big tax law changes the former vice president is calling for.

Joe Biden listening to former President Barack Obama in a meeting.

JOE BIDEN LISTENING TO FORMER PRESIDENT BARACK OBAMA. IMAGE SOURCE: OFFICIAL WHITE HOUSE PHOTO BY PETE SOUZA.

1. An increase in the corporate tax rate

Arguably the biggest change from Donald Trump’s hallmark Tax Cuts and Jobs Act (TCJA) would be the partial undoing of the tax cut passed along to corporations. Under the TCJA, the peak marginal corporate tax rate was slashed from 35% to 21%. Under the Biden tax plan, the corporate tax rate would be increased to 28%. You’ll note this is still well below where it was during the Obama presidency.

Increasing the corporate tax rate to 28% should be responsible for raising roughly a third of the $3.3 trillion to $3.7 trillion in estimated extra revenue over the next decade.

2. A minimum tax on corporate income

Call this the Amazon rule if you’d like, but Biden’s tax plan calls for a minimum tax of 15% on companies with $100 million or more in annual net income that pay little or no federal income tax. In Amazon’s case, carryforward losses from the years where it wasn’t profitable, coupled with the Trump tax cuts, allowed it to report $11.2 billion in profits in 2018 without paying a single cent in federal income tax. Biden wants to eliminate the Amazon’s of the world from using tax loopholes to avoid paying federal tax.

The Tax Foundation notes that this minimum tax is set up like an alternative minimum tax, where corporations will pay the greater of their normal corporate income tax or the 15% minimum book income tax. However, companies will still be allowed to carry net operating losses forward, as well as lean on foreign tax credits.

A one hundred dollar bill, with Ben Franklin wearing Uncle Sam's hat, next to the Capitol building.

IMAGE SOURCE: GETTY IMAGES.

3. Double the GILTI tax rate on foreign subsidiaries

Biden’s tax plan would also double the tax rate on Global Intangible Low-Tax Income (GILTI) earned by foreign subsidiaries of U.S. companies. Currently set at 10.5% under the TCJA, the GILTI tax rate would increase to 21%.

The purpose of GILTI, as laid out by the TCJA, was to ensure that multinational corporations didn’t specifically seek out tax havens for their mobile assets (e.g., patents and copyrights) to avoid U.S. taxation. Biden’s plan will simply move the needle further to ensure that the U.S. is getting its fair share of corporate profits being claimed in countries with more amenable peak corporate income tax rates.

4. The imposition of a financial risk fee on large banks

Biden is calling for the introduction of a financial risk fee on large banks (i.e., those with over $50 billion in assets), which was championed initially by former President Barack Obama. This fee would we based on a financial institution’s covered liabilities and would provide the Federal Deposit Insurance Corporation (FDIC) a pool of funds to use when conducting the orderly liquidation of a failed financial institution.

In effect, this fee would ensure that bank customers wouldn’t be on the line for these fees. Instead, a collective group of big banks would pay into a fund each year to cover any FDIC oversight expenses.

A businessman in a suit who's lying atop a pile of cash.

IMAGE SOURCE: GETTY IMAGES.

5. An increase of the marginal tax rate for top earners

Biden would like to see America’s richest workers open up their wallets. He’d do this by reraising the top marginal income-tax bracket from 37% to 39.6%. If you recall, the TCJA lowered the top marginal bracket from 39.6% to 37% in 2018.

For the 2020 tax year, this top marginal rate is applicable to earned income above $518,400 for single filers and over $622,050 for married couples filing jointly.

6. Reinstitute the payroll tax on the top 1%

Next to increasing the corporate tax rate, the largest revenue generator would be the creation of a doughnut hole in Social Security’s 12.4% payroll tax on earned income.

In 2020, all earned income (wages and salary, but not investment income) between $0.01 and $137,700 is subject to the 12.4% payroll tax that funds Social Security. Approximately 94% of workers will pay into Social Security this year with every dollar they earn. Comparatively, the other 6% of workers who’ll make more than $137,700 in 2020 will see their income above $137,700 exempted from Social Security’s payroll tax. Between 1983 and 2016, the amount of earnings exempted ballooned from a little over $300 billion to $1.2 trillion.

Under the Biden tax plan, a doughnut hole would be created between $137,700 and $400,000, where this exemption would remain in place. However, for earned income above $400,000, the 12.4% payroll tax would be reinstated. It’s estimated this would raise between $797 billion and $1.04 trillion over the next decade.

A visibly annoyed senior in a suit with a scowl on his face.

IMAGE SOURCE: GETTY IMAGES.

7. Lift the capital gains tax on filers with incomes above $1 million

The rich would also face higher capital gains tax rates under Biden’s proposal.

At the moment, short-term capital gains (assets held for 365 or fewer days) are taxed at the ordinary income tax rate, whereas long-term gains are taxed at 0%, 15%, or 20%, depending on a filer’s income. The 20% rate is applicable to single and married couples filing jointly with earned income above $441,450 and $496,600, respectively, in the 2020 tax year. It should be noted that the Net Investment Income Tax (NIIT) also applies a 3.8% surtax to capital gains for persons and couples with over $200,000 and $250,000, respectively, in income.

Biden’s proposal calls for filers with over $1 million in income to pay ordinary tax rates on their gains, no matter how long they’ve held an asset. This would imply 39.6%, plus the NIIT, for a total tax rate of over 43%.

8. Eliminate the stepped-up basis

To build off of the previous point, Biden wants to put an end to the step-up basis loophole that favors the well-to-do.

step-up basis refers to the cost basis of assets or property transferrable to an heir upon death. If, as an example, an individual purchased a home for $300,000, but it was worth $600,000 at the time of their death, their heir would pay capital gains on anything over $600,000 if the home was ever sold. This stepping up of the cost basis is a loophole that costs the federal government money, given that it discourages people from realizing capital gains.

If Biden’s proposal were to become law, heirs would not “inherit” a stepped-up cost basis, thereby lifting the collectable capital gains tax over the coming decade.

A person preparing their taxes, with a crumpled up tax form on a table in the foreground.

IMAGE SOURCE: GETTY IMAGES.

9. Limit itemized deductions

A ninth change Biden calls for is a cap on itemized deductions of 28%. This is to say that for each dollar of itemized tax deductions, including charitable contributions, a taxpayer or couple filing jointly would only receive a maximum benefit of $0.28. This 28% limit would hold true even if a filer is paying a higher marginal tax rate.

If this sounds in any way familiar, it’s because the 28% itemized deduction threshold was championed by President Obama in the 2010s, as well as supported by his then-Vice President Joe Biden.

10. Phase out small business income deductions over $400,000

The Democratic Party presidential nominee also wants to see small business income deductions over $400,000 phased out.

As the law stands now, qualified pass-through business deductions, which allows small business owners to deduct up to 20% of their business income under the TCJA, are capped at $163,300 for single filers and $326,600 for joint filers in 2020. However, for individuals and couples earning over these thresholds, an abundance of rules exist that determine whether or not you’re allowed to take qualified business income (QBI) deductions.

Biden’s plan aims to simplify this by keeping QBI deductions in place for those with less than $400,000 in earnings, but phasing out pass-through deductions for those with over $400,000 in earnings.

New homeowners holding up a key to their house.

IMAGE SOURCE: GETTY IMAGES.

11. Institute first-time homebuyers’ and renters’ tax credits

Keep in mind that Biden’s tax plan doesn’t involve simply collecting more money. It also is designed to give folks breaks where he believes breaks are due.

In May, Biden talked up the idea of providing new homebuyers with a tax credit worth up to $15,000. Known as the First Down Payment Tax Credit, it would aid first-time homebuyers in covering the initial costs and fees associated with purchasing a home.

Additionally, Biden wants to provide Section 8 housing vouchers to eligible families so they won’t have to spend more than 30% of their income on rent.

12. Up the existing Child and Dependent Care Tax Credit

The 12th and final change would involve increasing the existing Child and Dependent Care Tax Credit.

Under the TCJA, parents of children under the age of 13 or those who take care of a disabled dependent living in their household are eligible for a credit based on their expenses to care for a child or disabled dependent. This credit is equal to 35% of up to $3,000 in qualified expenses for one dependent or $6,000 for two or more dependents. This effectively means this tax is worth up to $2,100 under the TCJA.

With Biden’s plan, maximum allowable expenses would soar to $8,000 for individuals and $16,000 for multiple dependents, with the reimbursement percentage being adjusted to 50%. In other words, this credit could be worth as much as $8,000 and also include people who have no tax liability.

The makeup of Congress after the November election will have a big say on whether or not Biden’s tax plan has a shot at passing in the Senate. But either way, it’s important to understand how a possible Joe Biden presidency could affect your wallet.

 

John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Sean Williams owns shares of Amazon. The Motley Fool owns shares of and recommends Amazon and recommends the following options: short January 2022 $1940 calls on Amazon and long January 2022 $1920 calls on Amazon. The Motley Fool has a disclosure policy.

howard – Tax Changes Promised by Biden and Trump

Well, %firstname$%, the Democratic Convention just wrapped-up,

and the Republican Convention is coming up this week. We

all watch the evening speeches, but it is during the daylight

hours that the DNC and RNC leadership hammer out the

specifics of their platforms.

 

When it comes to taxes, the dems seem pretty much locked

into a wide variety of tax increases, while the republicans

continue their dedication to tax cuts and smaller government.

 

Ex: JOE BIDEN has been pretty specific about his goals.

Among the many mentioned are these:

-Canceling all tax-reductions in 2017 Tax Cuts & Jobs Act

(which would result in a $2.3-trillion increase in tax revenue)

-Increasing overall tax revenues by some $4 trillion

-Hiking the corporate tax rate from 21% to 35%

-Increasing Individual tax rates across-the-board

-Raising the top Individual Tax Rate from 37% to 39.6%

-Levy special taxes on the rich (those with $400,000+ income)

-Limit Itemized Deductions for upper income earners to 15%

-Increase Capital Gains tax to the same rate as Earned Income

-Phasing-out the 20% Small-Biz Qualified Income deduction

-Cut exemption on Estate Taxes from $11.5-mil to $5-mil.

-Assess 40% tax on estates valued above $5-million

as well as some others not listed.

This list will be fine-tuned in the coming weeks.

 

DONALD TRUMP’s list, so far, has included:

-Converting all of the temporary tax cuts in the Tax Cuts

and Jobs Act into permanent tax deductions.

-Reduce or eliminate most or all payroll taxes.

-Simplify the federal Tax Code

-Add more opportunity zones for tax-free inner-city investments.

-Further lower the “death tax” – i.e., tax on estates of deceased

-Increase the number of Tax Credits for working parents

as well as some others not listed.

 

This list also will be fine-tuned soon, following this week’s

Republican National Convention.

 

The contrast between Trump’s and Biden’s positions on

taxes is stark; however, taxes – as important as the subject

is –is but ONE of MANY factors that will enter into the final

decision each voter will make on Nov. 3rd.

 

I will attempt to keep you informed from now up to election day,

Nov. 3, on where each party stands on tax issues; however, I am

not a “political pundit,” so I will not venture outside my area of

expertise – federal taxes.

 

Be a smart voter.  Stay informed on ALL the issues that will

impact you for the next four years or more.

 

Dedicated to Informing Tax-Smart

Small-Business Owners for 20+ years,

            Dr. Ron Mueller

Author, Speaker & Small-Biz Tax Coach


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What Made the U.S. Successful Can Make it Unsuccessful

After 1971 and the death of the U.S. dollar, money became debt. For the economy to expand, you and I had to get into debt. That is why credit cards came in the mail and home equity loans were available to people who had less than stellar credit.

That same year, while I was fighting in the Vietnam War, my rich dad warned me that the rules of money had changed. He said, “The dollar is now officially Monopoly® money, and the rules of Monopoly are now the world’s new rules of money.”

At the time, I had no idea what he meant. A few days after I received his letter, I found a well-worn game of Monopoly in the officers’ lounge. Because I had played the game many times, I never really bothered to look at the rules. But with rich dad’s words about the rules of Monopoly being the new rules of money echoing in my head, I started to thumb through the rulebook and read, “The Bank never ‘goes broke.’ If the Bank runs out of money, it may issue as much more as may be needed by merely writing on any ordinary piece of paper.”

The reason the current financial crisis is so severe is that the banker’s rules of Monopoly money allowed our biggest banks and Wall Street to package debt and sell it to the world as assets.

No Gold, No Stability

Since 1971, with the U.S. dollar no longer married to gold, massive sums of money and credit began to destabilize the world economy—and continue to do so today.

In October 1973, two years after Nixon took the dollar off the gold standard, the Arab oil embargo set off the world’s first oil shock. After trading between $2.82 and $3.56 per barrel for over 20 years, oil rose to $10.10 per barrel in 1974. If the dollar had still been attached to gold, such a rise in price couldn’t have been sustained. That many dollars flowing to the Arab oil suppliers would’ve bankrupted America. We would’ve stopped importing oil, and eventually, oil prices would have come down. That is the stabilizing effect gold had on world trade. But since the dollar was no longer pegged to gold, the U.S. simply printed more and more dollars to import the oil. The more dollars we printed, the higher the price of oil went.

This flow of “petrodollars” into the Arab world had to go somewhere. The economies of the Arab world were too small to handle all the money. So, these “petrodollars” flowed back to U.S. banks, primarily their London offices, and became known as “Eurodollars.” Eurodollars aren’t the same as today’s European currency, the Euro. Eurodollars are U.S. dollars, kept offshore, out of the jurisdiction of the U.S. government. In other words, Eurodollars don’t have to obey U.S. laws.

All those Eurodollars were now a major liability to the bank. The Arabs wanted to be paid interest on them so the bankers needed to find borrowers for massive sums. The solution was to lend Eurodollars to oil-importing nations who were desperate to borrow money. The first target was the nations of Latin America. The capital inflows set off an economic boom. In 1980, the Mexican and Brazilian economies each expanded by 9 percent. When the borrowers, the nations of Latin America, could not repay the debt, the boom busted. By 1984, every country in Latin America, save Columbia and Paraguay, asked to have their debt rescheduled.

To protect the banks that had loaned these nations money, the IMF and other banks bailed out the U.S. banks, leaving the countries and their people deeply in debt. In other words, the IMF and other big banks rushed in to save the big banks just as the Fed rushed in to save the big banks in America, leaving America and its people weakened and deeply in debt.

This excess credit didn’t stop in Latin America. The crisis rolled on to Mexico, Asia, Russia, Brazil, and now the United States. The crime, or moral hazard as it’s often referred to, is that the IMF bails out the banks who recklessly lend money to subprime nations just as the big American banks loaned money to subprime homebuyers in America and our Fed bails them out.

Every time this hot money, or credit, flows into an economy, the money causes a short-term economic boom. When the economy cannot repay the debt, the money leaves the country, leaving the economy bloated with debt, new factories empty, crashing asset prices, and ruined banks.

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Is the Party Over?

Historically, every time governments have printed their own money—fiat money—that money eventually reverted to its true value: zero. That’s because paper money is a zero-sum game.

Will the same happen to the U.S. dollar, the yen, the peso, the pound, and the euro? Will history repeat itself?

Now, I can hear many proud, red-blooded Americans saying, “This will not happen in America. Our money will never go to zero.” Unfortunately, it already has—many times. During the Revolutionary War, the American government printed currency known as the “continental.” After the government printed too many continentals, our money became a joke, giving birth to the phrase, “not worth a continental.” The same thing happened to the Confederate dollar.

What if the party’s over? Will bailouts save us? Ironically, every time there is a bailout our national debt grows bigger, we pay more in taxes, the rich get richer, and our money’s value edges closer to zero. Every time our governments print more and more money, our money becomes less valuable. We work harder for less and less, and our savings are worth less and less.

I’m not saying today’s Monopoly money will go to zero. I’m not saying it won’t, either. Yet, if history does repeat itself, and the U.S. dollar goes to zero, the worldwide chaos will be cataclysmic. It will be the biggest wealth transfer in U.S. history. The rich will get richer. And the poor will most definitely get poorer. The middle class will be wiped out.

Regards,

Robert Kiyosaki

Robert Kiyosaki
Editor, Rich Dad Poor Dad Daily

P.S. The End of The Middle Class (The REAL Truth)

The middle class is getting wiped out… and there’s a small group of 12 unelected officials – and they are responsible for the middle class’ demise.

Fortune calls this group of unelected officials an “enlightened coterie of bankers…”

Former U.S. Representative Dr. Ron Paul told MSNBC, this group is actually more powerful than congress.

And their recent actions are already accelerating the death of the middle class and burying you under more and more debt.

As the Huffington Post said, this is already “making the rich richer and leaving you behind.”

Look, deep down, we all know something has gone wrong with our country…

And yet nobody seems to put their finger on it.

But if you’ve ever had the sneaking suspicion something isn’t right…

If you ever felt that for some reason you never seem to get ahead, despite working hard and doing everything right…

Then you need to take a moment to prepare and even grow your wealth during this massive new transfer of wealth. 

But there’s not much time. Click here to get all the details on what’s happening and what’s soon to come…


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Current State of the Union: A Candid View Inside Washington D.C.

Current State of the Union:
A Candid View Inside Washington D.C.

Alexa BrennanAlexa Brennan

Managing Editor, Rich Dad Poor Dad Letter

 

Dear Reader,

Your latest episode of the Rich Dad Radio Show is ready for you!

U.S. Representative John Warren “Jack” Bergman joins Robert and Kim to discuss why he believes the current state of things is “George Orwell’s 1984 coming to life.”

But, before we get into it…

I have an urgent message for you. A rare video clip has come out…

OPEN. READ. DESTROY.

I must warn you.

Due to the stakes involved…

This message will be removed from the internet.

If you fail to look at this, why bother reading our research?

The biggest opportunity of your life is sitting before you.

Click the secure link below for access.

⇒ SECURE LINK 

WARNING: This is coming OFFLINE.

Once you take a look, let’s get back to your latest Mastermind.

Click here to play or click the image below

Click here to play

There’s something going on behind the walls of “The People’s House” in Washington D.C. and as today’s guest describes, “It’s George Orwell’s 1984 coming to life.”

George Orwell’s Nineteen Eight-Four “centers on the consequences of government over-reach, totalitarianism, mass surveillance, and repressive regimentation of all persons and behaviors within society. More broadly, it examines the role of truth and facts within politics and their manipulation.”

Today’s guest, Jack Bergman, U.S. Representative for Michigan’s 1st Congressional District describes what’s happening in Washington D.C. as control. And he says, “The first way to control people is to cause fear.”

Listen as Robert and Kim Kiyosaki and guest Jack Bergman discuss why today, more than any time in history, exercising your right to vote is the most important thing you can do, and how he views the response from the government during the COVID-19 pandemic.

Tune in to find out more…

Regards,

Alexa Brennan

Alexa Brennan
Managing Editor, Rich Dad Poor Dad Letter

P.S. I have an urgent message for you. A rare video clip has come out…

OPEN. READ. DESTROY.

I must warn you.

Due to the stakes involved…

This message will be removed from the internet.

If you fail to look at this, why bother reading our research?

The biggest opportunity of your life is sitting before you.

Click the secure link below for access.

⇒ SECURE LINK 

WARNING: This is coming OFFLINE.


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757-647-2886

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How to Begin Writing Your Own Book—and MAKE MONEY!?

How to Begin Writing Your Own Book—and MAKE MONEY!?

Recommended Link

“$350 per day with no money”? Yeah, right…

 

Click here to learn more

“$350 per day with no money”? Yeah, right…

See this ridiculous promise above?

If you think that’s possible, this interview below is NOT for you.

But if you have some common sense…

And you’re sick of those types of get-rich-quick promises that never work…

Click here to see what the famous author of Rich Dad, Poor Dad has to say about that.

His reaction was priceless.

 

Robert KiyosakiRobert Kiyosaki

Editor, Rich Dad Poor Dad Daily

 

Dear reader,

Becoming a best-selling author was not an easy road. In fact, my first attempt at writing a book was a miserable failure for many reasons.

My first book was called, “If You Want To Be Rich And Happy, Don’t Go To School”. In Australia, it was a best-seller but in Hong Kong, it was very controversial. I wrote it because, at the time, every speaker had to have a book.

As you know, I really hated school. I really thought that in many ways it was a scam. Although I was passionate about the subject matter of “If You Want To Be Rich And Happy, Don’t Go To School,” I had no passion for why I was writing it. I was doing it because everyone else was doing it.

During a promotional tour, Simon & Schuster, one of the largest publishers called, and we met to discuss if they were going to buy the book. Long story short they rejected the book. But I learned a valuable lesson about writing books during that meeting.

The executive said, “You’ll have a best-seller when you tell people what you know.”

Wow! It was eye-opening advice and totally changed my life forever.

So after re-thinking what I was going to write about, for about six months, I sat in the quaint, artist’s town of Bisbee, Arizona in an old jail that had been converted into an apartment. At one time, John Wayne owned that old jail, as a rental property. He loved Bisbee—and Southern Arizona, where he owned a large ranch.

During the day, I was working on my small ranch, converting an old stagecoach depot (a stopping point between Bisbee and the infamous town of Tombstone, where the gunfight at the OK Corral took place) into a one-bedroom home. At night I would sit in the jail, writing a book. It was a painful process. There were many starts and stops, fits, and starts. Finally, late one night, exhausted from working on my property and tired of struggling with a book concept, my fingers began typing the opening lines of a new book. It began with the words “I had a rich dad and I had a poor dad.”

And that’s how the book Rich Dad Poor Dad was born. Most people don’t know that Rich Dad Poor Dad, the book that started the Rich Dad series, was written as a “brochure” to market the CASHFLOW game.

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In a good way!

Democrats won’t like it…

But this has to do with one of the biggest trends of our generation.

So every American should see it.

Click here to see all the details.

 

Why I Self-Published

There are two reasons why one would self-publish a book. One, because you have to.

The reason I self-published Rich Dad Poor Dad was that every publisher I sent it to turned it down. Most publishers were polite, but simply told me they had no interest in the book. Two sounded like my English teachers telling me I needed to learn how to write. One publisher said, “Your story is preposterous! No reader will ever believe it.” And an editor who specializes in financial books rejected it, saying, “You don’t know what you’re talking about.” He was referring to my lesson in Rich Dad Poor Dad where I stated, “Your house is not an asset.” Of course, after the subprime crisis, millions of foreclosures, and all the homes that are worth less than their mortgages.

Taking the rejection in stride, Kim and I self-published 1,000 copies of the book and quietly released it at my birthday party in April 1997.

The second reason one would self-publish a book is that you can.

Sometimes, self-publishing is the best decision. Not for everyone, but for a lot of people it’s a good idea. For us, it was the only way to go. What solidified the decision for us was after being invited on the Oprah Show, suddenly Rich Dad Poor Dad became an overnight success, and we didn’t have to share any of the money with a publisher!

Steps to Starting

Before you start any of the technical processes, you have to know your why. Why do you want to write a book? For me, I knew that school didn’t teach people anything about money and that’s why so many people struggle with their finances. I wanted to warn people and to help them use financial education to prepare themselves for whatever happened in life.

#1 The most important thing is to get your ideas on paper

When I sit down and think about the book I want to write I start with a mind map. I put everything on paper that I can think of regarding that topic.

This process is very easy for me because the brain doesn’t think linearly. So this process of just putting words on a paper with circles around them and branches to more groups of words with circles around them is comforting to the way my brain works.

#2 Outline your ideas

Once you get all your ideas on paper, you need to turn it into an outline. Now, this step in the process is not easy for me. Other than editing, this is where I need assistance. But the purpose of putting your ideas into an outline is to organize your thoughts into a story that makes sense regardless if you’re writing a fictional or non-fictional book.

#3 Get your rough draft finished

After you have your outline finished, now is the hardest part of all for me. As I said earlier, when I started to write Rich Dad Poor Dad I escaped to a small, quiet town in Bisbee, AZ. For me, I needed a space with no distractions. With other books, I’d lock myself in a room at home so I could focus.

After you have your rough draft complete, the hardest part is over.

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He unveiled the key piece inside Apple’s new iPhone – on stage in New Haven, CT – months before the phone has even hit the market.

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In this brand-new video, Jeff reveals the name of the most important tech company in the world.

He’ll give away the ticker symbol and everything – for FREE.

It comes at about the 13:10
mark of this video.

 

Sell Your Book

A misconception about using a publishing company for your book is that most people think the publishing company is going to sell the book for you. They may give you PR for a week or so after it’s released, but they aren’t going to sell it for you.

Early on, Kim and I knew this fact so we hired a PR person to focus on getting publicity for our books. We did promotional tours, we did book fairs, really anything to help us sell the books. In fact, she’s still with us today!

Over the years, The Rich Dad Company has spent a lot of time on PR. When Rich Dad Poor Dad was published we used a service that booked authors on radio shows across the country. Every week, I would get on the phone with radio show hosts and tell the story of my rich dad and my poor dad. I was not selling, I was simply telling the story. By telling the story, I got people to want to buy the book.

Inevitably, at the end of every interview, the radio show host would ask, “Where can our listeners find your book?” I would say, “At bookstores everywhere.”

People went into bookstores, asking for Rich Dad Poor Dad. They wanted to buy it. The bookstores didn’t need to “sell” the book—because we let publicity drive sales. And those sales—the direct result of PR outreach and interviews—propelled Rich Dad Poor Dad on to The New York Times bestsellers list.

Regards,

Robert Kiyosaki

Robert Kiyosaki
Editor, Rich Dad Poor Dad Daily

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Tax Changes Due to Covid-19: Summary

I’m sure you’ve noticed, howard, that
our federal government has launched some
massive and well-intentioned efforts to try
to help small businesses get through the
COVID crisis without losing their business.

The intent was great, in my opinion, but the
implementation has fallen far short of
perfection, due primarily to the massive
scale and the very tight deadlines put on
the roll-out.

Some rules are being changed “mid-game;”
some details provided initially turned out to
be incorrect and needed to be corrected
after-the-fact, and some of them produced
unintended consequences, requiring some
back-peddling.

Changes, corrections and clarifications
continue to be issued on a near-daily
occurrence, which is why no one has yet
produced a comprehensive summary of
all these new programs.

What follows is a STATUS REPORT on
on several of the tax-related changes
implemented as a result of COVID-19
…as of today, at least…

NEED TO BORROW FROM YOUR 401(K)?
If your need is COVID-related and you are
under 59½, you can borrow the entire balance
(up to a maximum of $100,000) there will NOT
be a 10% early-withdraw tax penalty if you
repay it within three years.

WHAT ABOUT IRA CONTRIBUTIONS?
The deadline for making contributions to
your IRA would normally have been April
15 for tax-year 2018, but that deadline also
has been extended to July 15. The max
you can contribute for 2019 is $6,000 (plus
another $1,000 if you were 50 or older at
the end of last y ear).

EMPLOYEE RETENTION CREDIT
UNDER THE “CARES ACT”
Many questions are finally being answered
about this tax credit that is intended to
encourage businesses to keep employees
on their payroll.

The refundable tax credit is 50 percent of
up to $10,000 in wages paid by an eligible
employer whose business is being financially
impacted by COVID-19. Details available at
irs.gov/newsroom/faqs-employee-retention-credit-under-the-cares-act

TAX FILING DEADLINES EXTENDED
The tax filing deadline for all American taxpayers
who file Individual Tax Returns has been
extended to July 15, 2020. If you will owe
taxes for 2019, interest and penalties are
waived for the period.

If you need even more time, you can file
IRS Form 4868, which will extend your
filing deadline to Oct 15. Extension is
automatic IF you file it BEFORE July 15.

ALREADY FILED 2019,
BUT STILL OWE TAXES?
If you have already filed your 2019 tax
returns, and owed additional taxes that
you couldn’t pay, you have up to July 15
to pay the taxes, free of all interest and
penaltie s, after which they will begin to accrue.

CHANGES TO IRS COLLECTION ACTIONS
LIENS and LEVIES:
Suspended from April 1–July 15.
AUDITS:
No in-person audits until July 15.
No new correspondence audits until July 15.
INSTALLMENT AGREEMENTS:
Payments may be pos tponed until July 15.

RETURN OF “ENTERTAINMENT”
TAX-DEDUCTIONS? MAYBE.
President Trump wants it reinstated to help
restaurants rebound. Stay tuned.

GOT A CALL-IN QUESTION FOR IRS?
Don’t hold your breath for an answer. Most
call-in operators have been laid off. (Not to
worry – their answers are wrong 80%+ of
the time anyway.)

Most Taxpayer Advocate Offices are either
closed or running on a skeleton crew.
Bottom line: Don’t bother calling the IRS.

REMEMBER: The above information is
deemed to be accurate as of the date of
this email, but much of this info is still
subject to additional changes and revisions.

Helping Create Tax-Smart Small-Business Owners
                   Dr. Ron Mueller
Author, Speaker & Small-Business Tax-Savings Coach

P.S.
For details on COVID Filing and Payment Deadlines see
IRS.gov/newsroom/filing-and-payment-deadlines-questions-and-answers

P.P.S.
The new 2020 Edition of “WINDFALL Tax-Savings
APPROVED for Small-Business Owners,” is now
available for shipment. Click HERE for details.


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homeprofitcoach2012@gmail.com
757-647-2886

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Warning: Only 3 days until DEADLINE for 2019 TAX FILING

when the IRS extended the
April 15 tax-filing deadline to July 15, did you
take advantage of that extra 3 months like
a lot of us?

DEADLINE THIS COMING TUESDAY!!!

Only THREE (3) DAYS FROM NOW, Tuesday,
July 15, is DEADLINE for filing 2019 Tax Returns.

NOTE: If you cannot be ready by Tuesday,
be sure to file IRS Form 4868 to extend your
filing deadline to Oct. 15, 2020. That form MUST
be postmarked no later than July 15, 2020.
(Download Form 4868 from www.irs.gov)

2019 seems like a long time ago, so tax
preparation may be even more challenging
than in most years. You have had an extra
three months to forget about some of the tax
deductions you can claim for 2019.

You’re going to want to learn or remember:

  • What biz deductions were available in 2019
  • What to do about missing / incomplete records
  • You’ll need to reconstruct a Vehicle-Use Log
  • Make Sure you DON’T FORGET any deductions
  • Ask, “What ELSE might be deductible?”
  • Let’s make tax recordkeeping EASIER in 2020.

So, let me try to help. Your…
2019 TAX-FILING SURVIVAL KIT
Gives You ALL 6 of these BENEFITS:

#1
A lot of tax deductions changed going into 2019,
and many others changed throughout 2019.

Do you even remember what tax laws and rules
were put into place a year and a half ago?
Probably not. Who could?

When you file your 2019 returns, how will you
remember what deductions applied during 2019?
We’ll make that easy for you…

Your SURVIVAL KIT will include immediate
download of THE 2019 tax-deduction guide,
2019 Edition of “Windfall Tax-Savings
Approved for Small-Business Owners.”
Everything in the 19th edition covers tax laws and
deductions for that were in effect during 2019.

#2
Because the IRS requires you to have documentation
to support each tax-deduction you claim – and since
you probably don’t have all the records you should…
Your 2019 TAX-FILING SURVIVAL KIT includes
How to RECONSTRUCT Lost, Missing or
Incomplete TAX-DEDUCTION RECORDS

This is a step-by-step guide to locating, recovering
and/or creating records that will support each of
the deductions you claim. Now you do not have
to lose out on valuable deductions just because
you are missing some of the required records.

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#3
Claiming deductions for business-use of your
personal vehicle is a major tax deduction for
most small-business owners. Survival Kit item
#2 (above) will teach you how to reconstruct a
vehicle mileage log, which is a critical for
documenting this deduction, so item #3
in your SURVIVAL KIT is the 2019 version
of VEHICLE-USE LOG for 2019!
This alone can protect thousands in deductions!

#4
Most of us simply FORGET to claim some of our
legal deductions, so your SURVIVAL KIT includes
2019 TAX-DEDUCTION MEMORY-JOGGER
– an alphabetized list of dozens of deductions that
small-business owners may qualify for.

Your “2019 TAX-FILING SURVIVAL KIT” includes
EVERYTHING ABOVE & BELOW for only $77!
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#5
There are dozens MORE tax deductions available to you
that are not described in my book and courses, such as:

  • How to write-off a Motor Home
  • How to Deduct the BABYSITTER’S costs
  • How to Deduct a 2-PERSON Annual Meeting – anywhere!
  • How to Write-Off an Audit-Proof CRUISE
  • How to Write-Off PAYING the GRANDKIDS to Help Out

I have written nearly 100 of these Special Reports,
so, surely at least a few of them will apply to YOU.
Your 2019 TAX-FILING SURVIVAL KIT component #5 is
YOUR CHOICE OF ANY FIVE (5) FOR FREE!
(If you want more than five, you can get additional
reports at the half-price rate of only $9.95 each.)

#6
Preparing your 2020 taxes can be waaaay easier than
2019 IF YOU have a good/easy recordkeeping system.
2019 TAX-FILING SURVIVAL KIT Component #6 is
FREE TRIAL of an “ALMOST AUTOMATIC”
TAX-DEDUCTION RECORDKEEPING SYSTEM
At the end of the free trial, if you like it, you will be
offered special discounted pricing on a monthly or
annual subscription. (BTW, this is the very same tax
deduction recordkeeping system I personally use!)

Your 2019 TAX-FILING SURVIVAL KIT includes
EVERYTHING ABOVE for only $77-FLAT!!!
$77 is an 80% DISCOUNT off current prices.
Click Here to BUY NOW!

Helping Thousands to be Tax-Smart Small-Business Owners,

        Dr. Ron Mueller
Author, Speaker and Small-Business Tax-Savings Coach

P.S.
Do you have Questions I can help you with?
From now through the July 15 deadline, I have
slashed my private phone-consult rates in HALF.
To schedule an appointmentCLICK HERE or
or copy and paste this into your browser:
htt ps://www.homebusinesstaxsavings.com/privateconsult.html

P.P.S. Don’t forget…
Your $77 purchase is 100% TAX-DEDUCTIBLE,
bringing your NET cost down to under $50.


Make HUGE MONEY!
With the Best Tasting & Healthiest Coffee on Earth!

GenJava is made of the best Arabica Beans available & our CBD is cold-infused to retain the flavor of the coffee!
Natural * Irish Cream * Raspberry Cream * Caramel Macchiato.

Are you ready to make a
MILLION DOLLARS?

Sales have Exploded!

You are witnessing the
BIRTH of the Next GIANT!

This is NO JOKE! People are making FORTUNES with this 100% Pay-Out!
Get your 
 Position NOW

Don’t miss out on this! This is the BEST opportunity you will EVER find! Visit the site today and see for yourself!
If you need any help, I’m here for you.

Coach Howard
homeprofitcoach2012@gmail.com
757-647-2886

Visit Here to Start Now!