TAXES How to Calculate Taxes for Your Business


How to Calculate Taxes for Your Business

How to Calculate Taxes for Your Business


Owning a small business has its perks, right? You get to be your own boss, set your own hours, make your own decisions. But no matter how much fun you have running the show, there’s one thing about owning a small business that makes most small-business owners cringe.

Yep, you guessed it—calculating small-business taxes.

It’s not everyone’s favorite weekend activity, but unfortunately, you have to calculate your small-business taxes at least once a quarter. There’s a lot that goes into this, so put your nerd hat on and let’s dive right in.

How Is Your Business Legally Structured?

First off, before you touch a single spreadsheet, make sure you’re clear on the legal structure of your business. Whether you run a bookstore or a research consulting firm, the IRS will classify your business as one of the following five structures: sole proprietorship, partnership, LLC, S corporation, or C corporation.

The IRS will classify your business as one of the following five structures: sole proprietorship, partnership, LLC, S corporation, or C corporation.

For the head scratchers out there, thinking, Well, I don’t know—I just own a small business, the IRS is probably classifying you as a sole proprietorship. If that doesn’t sound right to you, take a second and get a refresh on each of the business structures.


Business taxes can be confusing. Get the help you need.

How Do You Calculate Income Taxes for Small Businesses?

Do you remember how you calculated income taxes for your personal filing? You took your yearly income and subtracted deductions and credits to get your taxable income. That taxable income put you in certain tax brackets, with each bracket corresponding to a tax rate. Finally, you multiplied your tax rate and your taxable income to get how much you owed the IRS. Easy, right?

Calculating small-business taxes isn’t much different, especially if your business is a sole proprietorship, partnership, LLC, or S corporation (we’ll come back to these in a minute). C corporations are a little bit different, so it’s worth spending a few words on them.

What’s the tax rate for C corporations?

C corporations are taxed twice, once at a corporate rate of 21% and then again at their shareholders’ personal rates (if they take a dividend).1

For example, let’s say you own a company called Money Makeover Inc. Suppose your company brought in $200,000 in profit. And let’s also go ahead and say that after business expenses and deductions, you’re left with $175,000 of taxable income.

So, first, Money Makeover Inc. has to pay taxes at the corporate level, which is a flat rate of 21%. Remember: No matter how much profit Money Makeover Inc. makes, it will always pay a flat 21% for income taxes. In our example, that would be:

$175,000 x 21% = $36,750

So, Money Makeover Inc. pays $36,750 in income taxes for the corporation. Now, let’s say you’re one of two shareholders for Money Makeover Inc., and you get a dividend of $25,000. Well, this is where things get a little complicated, so pay attention.

If you owned the stock longer than 60 days, it’s called a “qualified dividend,” and the IRS then will tax it on a sliding scale. That means the higher your dividend the more you’ll pay in taxes. If your qualified dividend is lower than $38,601 (like in our example above), you wouldn’t pay taxes. But the moment your dividend goes above $38,601, you start to pay the tax. The rate maxes at 20% for earnings over $425,800. Now, let’s say you haven’t owned the stock longer than 60 days. Then, it’s called an “unqualified dividend.” You’ll pay taxes on unqualified dividends by using your personal tax rate, which you’ll find in your tax bracket.

What’s the tax rate if you’re not a C-corp?

If your business is a sole proprietorship, partnership, LLC, or S corporation, calculating income taxes is much easier than C corporations. Whatever profit you make will be taxed once at your personal tax rate.

So again, let’s say you own a company called Money Makeover. Let’s also say your company makes $75,000 in profit. And let’s go ahead and say after business expenses, deductions and employment taxes (we’ll get to those next), you’re left with $50,000 in taxable income.

Now, if this is your only income and you’re not filing jointly with your spouse, then based on your tax bracket ($9,700 taxed at 10%, $29,775 taxed at 12%, and $10,525 taxed at 22%), you would pay $6,900 in taxes.

How Do You Calculate Employment Taxes for Small Businesses?

Hopefully you’re not tired yet, because we haven’t even touched on employment taxes. So far, calculating small-business taxes hasn’t been super difficult (if you’ve been on the struggle bus, you could use some tax help).

But when you start hiring people, you have to pay employment taxes, which breaks down into social security and Medicare taxes.

How do you calculate social security taxes?

All employees must pay social security taxes on income below $132,900 (if your income is above $132,900, you’ll pay taxes up to that amount).2 It’s super easy to calculate this tax. Just take 12.4% of your employee’s income and set aside 6.2% for taxes. Your employee will then pay the other 6.2%.

How do you calculate Medicare?

Everyone pays Medicare. To calculate this tax, take out 2.9% of your employee’s wages and set aside half, which is 1.45%.3 Again, your employee will pay the other half.

How Do You Calculate Estimated Taxes?

Now, here’s where things get tricky for small businesses. Unlike personal filers, who file their taxes once a year, small-business owners have to pay estimated taxes once every quarter. Yes, that’s four times a year.

Estimated taxes, or quarterly taxes, are based on what you expect your taxable income to be throughout the year. Yeah, that can be tough, especially if you’re just starting your small business. But once you’ve got an income estimate to work with, it’s really not so bad. Here’s a quick step-by-step process to help you figure out these quarterly headaches (sorry, taxes).

1. Estimate your taxable income this year.

2. Calculate how much you’ll owe in income and self-employment taxes.

3. Divide your estimated total tax into quarterly payments.

4. Send an estimated quarterly tax payment to the IRS.

Estimated taxes, or quarterly taxes, are based on what you expect your taxable income to be throughout the year.

How Do Tax Deductions and Credits Play Into This?

Tax deductions and tax credits are the biggest breaks you’ll get from the IRS. Deductions reduce your taxable income, while tax credits reduce the actual amount you owe to the IRS.

The biggest tax deduction for sole proprietors, partnerships, LLCs, and S corporations is a 20% deduction on all income.4 Yeah—20%. That means if your taxable income is $100,000, you can automatically deduct $20,000.

You can browse this list of common deductions to find out which ones apply to your small business, or talk to your tax pro.

The biggest tax deduction for sole proprietors, partnerships, LLCs, and S corporations is a 20% deduction on all income.4

Want to Never Do Small-Business Taxes Again?

Look, we get it. You have a company to run. If you’re sick and tired of balancing spreadsheets, filling out quarterly forms, and filing annual returns by yourself, take the next step and hire a tax pro. An experienced tax pro will not only save you time, but they can also save you money, since it’s their job to know more about taxes than you.

Don’t know where to find competent, trustworthy professionals? Don’t worry. We can help you find tax professionals near you—ones that Dave himself recommends.

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now

TAXES Freelance Taxes 101


Freelance Taxes 101

Freelance Taxes 101


Being a freelancer means being your own boss, and that can be awesome. You go out, kill something, and drag it home every day. That’s how it’s done, baby! And you’re not alone. In fact, freelancers are expected to make up the majority of the U.S. workforce within the next decade.1

And why not? As a freelancer, you choose your hours, what projects to take on, and where you work. You get to call the shots!

But even if you already have a full-time job, freelancing is a great way to earn some extra money. And let’s be honest, who doesn’t want more cash in their pockets?

But here’s some real talk: Whether you’re a full-time freelancer or just getting your side hustle on, it will impact how you file your taxes. And if you’re not careful, you could lose a large chunk of your freelance income to an enormous tax bill.

Tax Basics for Freelancers

What are the basics? There are three main things you need to know:

What’s the minimum I have to earn to pay freelance taxes?

If you earn $400 or more from freelance work in any given year, you are responsible for paying taxes on those earnings. Dave recommends you save as you go by setting aside around 25–30% of every freelance check you receive in a separate savings account to cover the taxes.


Business taxes can be confusing. Get the help you need.

Why so much? Because you have to pay both income tax and the self-employment tax.

What is the self-employment tax?

The self-employment tax is 15.3% and solely exists to cover your Social Security and Medicare taxes.2

At a normal full-time job, your Social Security and Medicare taxes are taken out of your paychecks automatically—and your employer covers half of those taxes. But as a freelancer, you’re considered both an employee and an employer. That’s why the IRS wants you to cover the whole 15.3%.

The Schedule SE tax form helps you calculate your self-employment tax, which you’ll then report on your standard Form 1040. You might also be able to deduct the employer-equivalent portion (50%) of your self-employment tax on your 1040.

Remember, the self-employment tax is in addition to your regular income tax rate. That’s why Dave recommends setting aside 25­–30% out of your freelance checks in a separate savings account: because that’ll cover both your income and self-employment taxes. This will keep you from getting hit with a huge bill at tax time.

When do I have to pay freelance taxes?

According to the IRS, you should pay taxes quarterly if you expect to owe at least $1,000 in taxes this year.3 Since taxes from your freelance income aren’t being withheld throughout the year, there’s a good chance you’ll need to estimate your taxes for the upcoming year and pay the IRS on a quarterly basis. The due dates for estimated taxes are:

Quarterly Tax Deadlines
First Payment April 15, 2020
Second Payment June 17, 2020
Third Payment September 16, 2020
Fourth Payment January 15, 2021


So, how do you know if you need to do this or not?

That’s a great question. Nearly half of all freelancers make $2,000 or less each year in freelance income.4 If you fall within that group, you can probably skip estimated tax payments and just report your freelance income when you file your tax return.

But if it’s looking like you’ll owe $1,000 or more in taxes, Form 1040-ES can help you ballpark how much you’ll make during the year and then determine your estimated taxes based on your projections.

If you underpay your estimated tax—these are estimates, after all—you’ll have to pay the remaining taxes when you file your annual tax return. (And yes, freelancers must file an annual tax return by April 15—just like everyone else.) On the other hand, if you overpay your estimated tax, you’ll receive the excess amount back in the form of a tax refund.

Keeping Track of Your Freelance Income

As a freelancer, you should receive a 1099-MISC from each client who paid you over $400.

However, many clients now pay freelancers and contractors through PayPal or other online payment systems, so you might receive a 1099-K form from your clients instead. But this form comes with an important caveat: Clients are not required to send you a 1099-K unless they pay you more than $20,000 or more than 200 times.

But just because you didn’t receive a 1099 from a client doesn’t mean you’re off the hook. You still need to report your earnings to the IRS on a Schedule C form.

A Schedule C tax form serves as the hub for all your freelance income and expenses. First, you’ll report all the freelance income you earned during the tax year in Part I. This includes amounts already reported on the 1099 forms you received from clients and amounts not yet reported from clients who didn’t send a 1099.

After that, you’ll list your expenses in Parts II–V to see if you can claim any deductions. If you had $5,000 or less in business expenses, the more simplified Schedule C-EZ might be best for you.

Self-Employment Tax Deductions

Tax deductions lower your taxable income, potentially reducing your tax bill and saving you hundreds of dollars in the process. And as a freelancer, you get to claim a bunch of them!

But many self-employed professionals aren’t taking advantage of tax deductions. In fact, 73% of freelancers don’t deduct any expenses at all.5 That means some freelancers are paying more taxes than they have to!

As a freelancer, you can claim deductions on expenses that, according to the IRS, are “ordinary and necessary” for the operation of your business.

Some of the most common deductions for freelancers include:

  • Advertising and marketing
  • Office supplies
  • Computer equipment and software
  • Travel and business meals
  • Home office
  • Utilities

Careful documentation and detailed bookkeeping—like saving all your original receipts and invoices—can help you prove that those expenses were vital to your business, which will save you money come tax season.

That might be easier said than done since one in four freelancers has trouble keeping track of expenses.6 One way to make the process simpler is to open a separate checking account specifically for freelance work. It’s a great way to keep your personal and business finances separate—and track your expenses so you can claim them on your income taxes.

Find a Quality Tax Professional

Taxes are complicated enough as it is—and they only get more complex when you throw multiple streams of income into the mix. But the crazy thing is that only 20% of freelancers seek help from a tax professional or get bookkeeping advice.7 One of the biggest mistakes you could make as a freelancer is to try and go it alone when tax season comes around.

Dave’s nationwide network of tax Endorsed Local Providers (ELPs) can help. Work with a top-rated tax advisor who will take the time to help you understand your tax situation and make sure you get every deduction you’re eligible for.

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now

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Most arginine is made in China by fermenting corn in big tanks with specific bacteria that transform the corn sugar into arginine. Then they take the arginine and add an enzyme reaction to make citrulline.



The problem with these lab-made chemicals isn’t that they are made in labs… lots of great things are made in labs. The problem is the PESTICIDES on the corn² are chemicals that end up in the white powders used to make all the bulk bags of arginine and citrulline you find on the store shelves.


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In clinical trials, L-Citrulline has been used safely and was well tolerated in children and adults. L-Citrulline is considered safe according to existing data and has been granted self-affirmed GRAS “Generally Recognized As Safe” status by the U.S. Food and Drug Administration. Nonetheless, if you have a medical condition, are pregnant, lactating, trying to conceive, under the age of 18, or taking medications (especially blood pressure medications), consult your healthcare professional before using this supplement.


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Research suggests that supplementing with citrulline could speed up workout recovery because your sore muscles need healthy blood circulation to repair themselves and grow. One study found that taking citrulline before working out decreased muscle soreness by up to 40%.


Take two capsules daily for an 850mg dosage. They are the smallest size capsule possible to fit the dosage which is a size 0. The capsules contain minimal organic rice powder which keeps the ingredients flowing on the production line. Notice that there is no magnesium stearate in our formulation. The capsules are gelatin, therefore they are not vegan or vegetarian.


In addition to the citrulline being made from real organic foods, FLOW is gluten-free, sugar-free, lactose-free and non-GMO.


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As always, let us know if you have any questions. We’ve been supporting our customers and followers since 2006.

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From Flow To Afterglow, Susan, Tim, and the Team at The 20


1. l-Citrulline Supplementation: Impact on Cardiometabolic Health

2. Health effect of agricultural pesticide use in China: implications for the development of GM crops

3. Combined L-citrulline and glutathione supplementation increases the concentration of markers indicative of nitric oxide synthesis

4. N-acetylcysteine inhibits in vivo nitric oxide production by inducible nitric oxide synthase.

5. Dose-ranging effects of citrulline administration on plasma amino acids and hormonal patterns in healthy subjects: the Citrudose pharmacokinetic study.

6. Manipulation of citrulline availability in humans.

7. Generally Recognized as Safe (GRAS)

8. Citrulline malate enhances athletic anaerobic performance and relieves muscle soreness.

9. Oral L-citrulline supplementation improves erection hardness in men with mild erectile dysfunction.

10. The sweet danger of sugar

11. Cerebral blood flow regulation by nitric oxide: recent advances.

*These statements have not been evaluated by the Food and Drug Administration. This product in not intended to diagnose, treat, cure or prevent any disease.

International Customers: Import duties, taxes, and charges are not included in the item price or shipping cost. If applicable, these charges are the buyer’s responsibility.

For returns, get your RMA # here and send to:
EyeFive, Inc.
c/o The20, LLC
37 Inverness Drive East, Suite 100
Englewood, CO 80112

EZ Battery Reconditioning Review

EZ Battery Reconditioning Review

Imagine never having to pay for batteries again because you could charge them yourself. You’d save a ton of money in the long run. You could even make good money by offering this as a service, especially when it comes to recharging car batteries, etc.

The problem here is that most people don’t have a clue as to how they can go about it… until now.

Over the past few years, a very unique product called ‘EZ Battery Reconditioning’ has been an online bestseller, and thousands of people have bought it and benefitted from it. The skeptic may wonder if it’s even possible to charge your own batteries.

After all, why would anyone want to fork out money on batteries (which can be relatively costly) if they could recharge all their old batteries themselves? These doubts are understandable because there has never been a product like this before.

The author of this book, Tom Ericson shows you how to take batteries which were destined to the trash heap and recharge and restore them. It may seem like something out of a Transformers movie, but that’s exactly what his guide shows you how to do.

Batteries that are used in cars, mobile devices, golf carts, electric wheelchairs, etc. can all be restored with the methods shown. That is definitely going to save you quite a bit of money in the long run if you use batteries often… and who doesn’t?

You’ll never need to buy batteries and if you have an entrepreneurial spirit, you could offer a service to recharge people’s batteries. If your service costs less than a brand-new battery, you’ll never be short of customers.

The official website for EZ Battery Recondition has many positive reviews from satisfied buyers. Let’s look at this product in greater detail and see if it’s worth your money.

The Good Points:

1. One good point about this guide is that it is written in plain, simple English that’s easy to understand. Tom has dispensed with the technical jargon, and yet given you all the details and step-by-step instructions that you need to know.

This concise eBook is 22 pages long and gets straight to the point without all the fluff. All you need to do is follow the instructions that are accompanied by diagrams and pictures to simplify the process.

2. A section of the guide is devoted to acid batteries and how to recondition them. This is extremely useful because this info is not easy to come by.

3. You might be wondering, “But how long does it take to recharge a battery?” After all, no one wants to sit around for hours while the battery is being reconditioned. Here’s the good news. It only takes about 20 minutes.

If you plan on starting a battery reconditioning business, you’ll be able to get the job done quickly and efficiently. After all, money loves speed.

4. It goes without saying that the most obvious benefit that’s accrued by having a grasp of the knowledge in this guide is – you’ll save money in the long run by not having to buy new batteries. There’s no point in spending your hard-earned money when you can easily do it yourself.

5. Are you interested in saving the environment? You’re going to love this book. Reusing old batteries is all about going green and recycling.

6. The guide covers different types of batteries ranging from car batteries to Li-ion, Ni-HM, and Ni-Cd EZ batteries. Nothing is left out. There’s enough info here to give you the ability to recondition most batteries.

7. Just when you thought it couldn’t get better, it does. This product is backed by a no-risk 60-day money back guarantee. There is zero risk here.

8. This guide is very fairly priced for the amount of info it contains. We expected it to cost way more and were surprised to see how affordable it was. The price might go up in future, so it’s best to get it before it does.

The Bad Points:

1. Just like most technical stuff, you’ll need to read the guide once or twice and understand the process well. Do not skim through the instructions and try to recondition your batteries without a proper understanding of the process.

People who hate reading and try to wing it with just a rough idea of the instructions will need to focus and read the guide properly. You only need to learn it well once, and you’ll be good to go after that.

2. You can only get this guide online because it’s an eBook. So, you’ll need a computer and an internet connection to access it. Once you download it, you can always print it out for easier reference.

Should You Get It?

If you never want to buy batteries again, then the answer is a resounding yes. Some people use batteries much more often than others. If you’re one of them, this product has your name written all over it.

The information that, Tom shares in EZ Battery Recondition is difficult to find. Companies would rather make millions by selling you new batteries than teaching you how to recondition the ones that you already have.

You can’t count on them to look out for the small guy when profits are at stake. Tom has revealed battery reconditioning secrets that are highly useful and relevant. Get the guide, learn how it’s done, and you’ll hardly need to buy batteries in future.

>>> Get “EZ Battery Reconditioning” Now <<<

Youtube Secrets Review

There are many people who make money online through social media. There are video bloggers who earn hundreds of dollars from video content that they have uploaded to the largest video sharing site, YouTube. Many have monetized their videos to great effect, and Mike Williams creator of YouTube Secrets, will show you how to earn income online without ever creating your own video.

What is YouTube Secrets?

Youtube Secrets is a step-by-step course that teaches you the way to earn money with YouTube.

According to the creator of the course, there is a right recipe or formula to be successful with this opportunity. Even if you do not know how to create and film viral videos, you can still earn, and this course will teach you how.

Who is the Creator of YouTube Secrets?

YouTube Secrets is created by the internet and YouTube guru, Mike Williams. Mike has discovered making money in YouTube without the hard work, with no technical knowledge required and zero filming needed. He claims he has earned over $10,000 a month with just a few minutes of work per week. And he’s sharing the secret in this program.

How to Use YouTube Secrets?

Since this is a step-by-step course, after paying for the course, you will be granted full and instant access to the member’s area. Check your email for your log in details. Once logged in, the training materials and special tools are made available for you.

The training includes teaching you to make money without shooting any videos, using YouTube’s millions of videos that are copyright free and make money from them. You can take a video, cut a segment out, repurpose it and upload it in your own channel. You can also make your own videos since you will also be taught how to get views without resorting to schemes that may get you banned, this way, with more views you can monetize your channel.

You will have access to a total of 30 videos containing step-by-step tutorials. Topics include Setting up your YouTube Channel, Video Editing, How to Write Descriptions Using Profitable Keywords, What to Do to get more Views, Working with Statistics and Connecting and Messaging your Subscribers. Plus, there are valuable tools and tips to advance your money-making potential.


1. It is a step-by-step blueprint of making passive income through the largest video sharing website, YouTube.

2. According to Mike Williams, it doesn’t take much of your time, just 30 minutes each week and you can start making money.

3. Aside from the course, there are tips and tools provided plus a one on one coaching.

4. Relevant content about creating your YouTube Channel, promoting, getting views and subscribers.

5. It does not have location restrictions. it works no matter where you live.

6. You will gain Unlimited Email Support and FREE Lifetime Updates.

7. Positive reviews from various users.

8. There is a full seven day trial for just one dollar.

9. The creator is so confident with his product that he promises to refund your money. It is either you make money with YouTube or you are secured with the Full 60 Days Money Back Guarantee, no questions asked.


1. The existence of recurring fee because of the monthly subscription.

2. Needs constant reliable internet connection.

3. The unrealistic claim of instant results from just a 30-minute work.


YouTube Secrets is your blueprint to success for earning money through YouTube, the largest video sharing website.

Making your own YouTube channel is good, what is better is also earning from it even if you do not have your own video content. YouTube Secrets will teach you how to make money through YouTube, it shares the secret to earning without too much hard work. Whether you are creative and willing to film your own videos, or you repurpose other videos, you can still earn with the program’s tips and tools.

Of course, this takes effort to succeed and the training course makes it easier, providing you with the guidance you need to succeed even without technical knowledge or filming expertise. If you are serious about maximizing your YouTube Channel’s earning potential, then let YouTube Secrets help you.

GETTING OUT OF DEBT Getting Out of Debt: The Truth About Debt Reduction


Getting Out of Debt: The Truth About Debt Reduction


When it comes to knocking out debt, there’s no such thing as a quick fix. Slow and steady wins the race in the battle against debt. Still, that doesn’t stop people from looking for an easy way to speed up the process. And that’s what keeps debt reduction services in business.

What’s Debt Reduction Anyway?

Before digging too deeply into why you should steer clear of debt reduction and debt consolidation services, you probably want to know exactly what we’re talking about.

Basically, a debt reduction service promises (for a fee) to help clean up your debt mess by working with your creditors. Usually, those promises come in one of two forms: debt settlement and debt consolidation.

Debt settlement companies take the money you pay them and use it to negotiate with your creditors to reduce or eliminate what you owe. The problem is, they charge way more than you would pay if you just settled the debts on your own.

Debt consolidation companies combine all your debts into one single debt—usually at a lower interest rate. That sounds good on the surface, but they don’t really get rid of your debts. They just move them from one place to another.


More than 5 million have beaten debt this way. You can too!

The key thing to remember in both cases is that you really don’t need to pay someone else to do what you can do yourself. Believe it or not, you actually have the power to call your creditors and negotiate.

Your Top Debt Reduction Questions Answered

Does Using a Debt Reduction Program Help or Hurt Your Credit Score?

If you’re repaying your debt through a credit counseling program or using a debt management plan, it won’t impact your credit score. But if you end up settling for less than the original amount of the debt, there will almost always be a negative reflection on your credit score.(1)

But here’s the thing: Your credit score doesn’t really matter anyway.

We know this isn’t a popular thing to say, but we’re used to ruffling a few feathers. A credit score doesn’t show how well off you are financially or how great you are at managing money. A credit score is just an “I love debt” score. You don’t need it to win with money.

Do Debt Reduction Programs Actually Work?

Here’s the harsh truth: Using debt consolidation actually means you’ll be in debt longer.

Sure, you might think it’s a quick fix because suddenly you’ll have lower monthly payments hitting you, but that doesn’t mean much. The term of your loan is probably going to be lengthened—which actually means more payments from you in the long run.

Let’s say you have $30,000 in unsecured debt. The debt includes a two-year loan for $10,000 at 12%, and a four-year loan for $20,000 at 10%. Your monthly payment on the first loan is $470, and the payment on the second is $507. That’s a total payment of $977 per month.

So, you talk to a company that promises to lower your payment to $541 per month and your interest rate to 9% by negotiating with your creditors and rolling the two loans together into one. Sounds pretty good, doesn’t it? Who wouldn’t want to pay $436 less in monthly payments!

But here’s the downside: It will now take you six years to pay off the loan. Six years.

If that’s not bad enough, you’ll end up shelling out $38,935 to pay off the new loan versus $35,646 for the original two loans—even with the lower interest rate of 9%. This means your “lower payment” has cost $3,289 more. We’ve got two words for you: Rip. Off.

As “magical” as debt reduction services might seem on the surface, they won’t settle all your debt, and it’s never fully guaranteed anyway.

If you really want true debt relief, set your sights on getting rid of it as fast as you can!

How Can I Reduce My Debt Without Using Debt Reduction Programs?

We’re so glad you asked! You can reduce your debt yourself by using the debt snowball method. With this debt reduction strategy, you pay off your debts from smallest to largest while throwing everything you have at your lowest balance until it’s gone. When that smallest debt is paid in full, take the amount you were paying on it and throw it at the next debt. Using this process will “snowball” the amount you have to put toward each debt.

The debt snowball method works because it’s about a behavior change, not math.

If you want a proven plan for your money that really works, sign up for Financial Peace University. With our step-by-step process, you’ll get debt help that empowers you to start on a new course with a new mindset when it comes to handling your money.

If you’re navigating your way through a financial crisis and really don’t know where to begin, a financial coach may be what you need. Our coaches can guide, equip and encourage you to make the best financial decisions for your future.

A Better Plan Than Debt Reduction

Simply put, debt reduction services only delay the inevitable—and they take your money while they’re at it. But you don’t want to just “reduce” your debt. You want to eliminate it. For good! It needs to be gone and out of your life as quickly as possible!

That’s what makes the Baby Steps a better plan. Debt reduction services only deal with the symptoms of a debt problem, not the cause. But the intentional, step-by-step process of the Baby Steps actually helps you change your behavior. Because if you don’t change your behavior, you’ll slip right back into debt once you’re done with the debt reduction service.

Let’s be honest . . . paying off debt is never quick or easy. While the Baby Steps are simple, they do take some work. And your progress only moves at the speed of your motivation.

So, start with saving $1,000 for an emergency (Baby Step 1), and then move on to the next Baby Step. Get on a budget—and stay on it! Build up an emergency fund. Use the debt snowball to wipe out your debt once and for all. Then you can start building a future where you can live and give like no one else!

You definitely don’t need to pay a debt reduction service to do what you can do on your own. Skip the “quick fix” and focus your energy on a plan that really works.

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Are You Underrated on Your VA Disability compensation?

Did you know the average veteran is being short-changed nearly $1,000 PER MONTH in tax-free VA disability compensation?
It’s true…and it makes me sad…
8/10 disabled veterans (80%) of you reading this message right now are stuck, frustrated, and underrated by the VA.

Maybe there’s a better way to help you get the VA disability rating and compensation YOU deserve by law?

…Well, now there is … and the answer is VA Claims Insider LIVE 2020.

You’ll learn tips, tricks, strategies, and lessons learned, live and in community with the world’s #1 most trusted name in VA disability claims.&nbsp;

BTW, I’ve used VA Claims Insider to increase by own VA rating, and I can personally attest to how AMAZING they are!

Oh, and I’m also going to VA Claims Insider LIVE 2020 and I’d love for you to join me.

You can join me right now at a 50% discount by using my link to secure your ticket.

And, I’ve got some pretty crazy-awesome BONUSES for you, too.

Howard Martell US Navy Retired Service Disabled Veteran


Did you know the average veteran is being short-changed nearly $1,000 PER MONTH in tax-free VA disability compensation?
It’s true…and it makes me sad…
8/10 disabled veterans (80%) of you reading this message right now are stuck, frustrated, and underrated by the VA.

Maybe there’s a better way to help you get the VA disability rating and compensation YOU deserve by law?

…Well, now there is … and the answer is VA Claims Insider LIVE 2020.

You’ll learn tips, tricks, strategies, and lessons learned, live and in community with the world’s #1 most trusted name in VA disability claims.&nbsp;

BTW, I’ve used VA Claims Insider to increase by own VA rating, and I can personally attest to how AMAZING they are!

Oh, and I’m also going to VA Claims Insider LIVE 2020 and I’d love for you to join me.

You can join me right now at a 50% discount by using my link to secure your ticket.

And, I’ve got some pretty crazy-awesome BONUSES for you, too.

Howard Martell US Navy Retired Service Disabled Veteran

BUDGETING 15 Practical Budgeting Tips


15 Practical Budgeting Tips


It’s the dreaded “B” word—budgeting.

Unfortunately, the word budget has gotten a bad rap. When it all boils down, a budget is basically just a plan for your money. Budgeting means you’re spending with purpose before the month begins. But many people view a budget as a straitjacket that will keep them from doing what they want.

But that couldn’t be further from the truth! A budget doesn’t limit your freedom, it gives you freedom! It’s really all about being intentional with where your money goes.

A budget doesn’t limit your freedom, it gives you freedom!

How can budgeting help me?

A budget is going to give you an action plan and clear picture of where your money is ending up each month. Budgeting will help you achieve the goals you’re working toward—whether that’s getting out of debt, saving for retirement, or just trying to keep your grocery bill from getting out of hand.

When you see planning a budget as simply spending your money intentionally, you can actually find more freedom to spend! Once something has been budgeted for, you’ll be able to spend that money without feeling guilty. Many people even say they find “extra” money after they create a realistic budget and stick with it. How amazing is that?


Start budgeting like a boss with our FREE budgeting tool!


15 Budgeting Tips for Your Daily Life

Ready to get started? Here are the top 15 budgeting tips!

1. Budget to zero before the month begins.

This means before the month even starts, you’re making a plan and giving every dollar a name. It’s called a zero-based budget. Now that doesn’t mean you have zero dollars in your bank account. It just means your income minus all your expenses (outgo) equals zero.

2. Do the budget together.

If you’re married, sit down once a month and have a family budgeting night. Make it fun! Grab some of your favorite snacks and put on a good playlist to help you focus.

You need to get on the same page with money, so set goals together and dream about what the future will look like. Remember: If the two of you are one, your bank accounts should be one too! It’s no longer your money or my money—it’s our money.

And if you’re single, find someone who can act as your accountability partner and help you stick to your goals!

3. Every month is different.

Some months you’ll have to budget for things like back-to-school supplies or routine car maintenance. Other months you’ll be saving for things like vacations, birthdays and holidays. Regardless of the occasion, make sure you prepare for those expenses in the budget. Don’t let these special occasions sneak up on you. (Hint: Christmas is in December again this year, guys!)

Be sure to adjust your budget each month as things change. Make a savings fund you can stash cash in throughout the year. When you don’t have a plan, you’re going to be stressed. And that takes all the fun out of giving and celebrating. No one wants that!

4. Start with the most important categories first.

Giving and saving are at the top of the list, and then comes the Four Walls—food, shelter and utilities, basic clothing and transportation. Once your true necessities are taken care of, you can fill in the rest of the categories in your budget.

5. Pay off your debt.

If you have debt, paying it off needs to be a top priority. Use the debt snowball method and the Baby Steps to get rid of debt as fast as you can. Attack it! Get mad at it! Stop letting debt rob you of the very thing that helps you win with money—your income.

6. Don’t be afraid to trim the budget.

Brace yourself! It might be time for some budget cuts in your life. If things are tight right now, you can save money quickly by canceling your cable, dining out less, and shopping at discount clothing and grocery stores. Remember, your budget cuts are only temporary. You can always make adjustments later down the road.

7. Make a schedule (and stick to it).

While you’re making a budget part of your monthly routine, why not pick specific dates for other expenses? Set up auto drafts out of your checking account to pay bills, and buy your groceries on a set day every week or twice a month. When you know what to expect and when to expect it, you take a lot of stress and potential pitfalls out of the picture.

8. Track your progress.

It’s important to check your progress from time to time. If you’re married, track your spending and purchases together so you both keep your goals in sight. Look back at your earlier budgets to see how far you’ve come. And don’t forget to celebrate the small wins. (Pro tip: One key category to keep a close eye on is your grocery budget. I bet you are spending significantly less on groceries on a budget.)

9. Create a buffer in your budget.

Put a small amount of money aside for unexpected expenses throughout the month. Label this as your miscellaneous category in your budget. That way when something comes up, you can cover it without taking away money you’ve already put somewhere else. Keep track of expenses that frequently end up in this category. Eventually, you might even want to promote them to a permanent spot on the budget roster.

10. Cut up your credit cards.

If you’re really committed to sticking to a budget and getting out of debt, you need to ditch those credit cards for good. Stop using them! Cut them up, shred them, or even make a craft project out of them! Whatever you do—get them out of your life.

Having no credit card debt will mean no more minimum payments to add to the budget, zero hassle with fees or high interest rates, and much less stress and worry! Stick to using your debit card (and even cash!), and dump those credit cards like your ninth-grade fling. You know what the great thing about a debit card is? The money comes straight out of your bank account! There’s no middleman charging you 15% interest.

11. Use cash for certain budget categories that trip you up.

If you’re constantly overspending on your grocery budget or fun money, cash out those categories and use the envelope system to hold you accountable. Just go to the bank and pull out the cash amount you’ve budgeted for that category. Once the cash runs out, stop spending! It’s the ultimate accountability partner.

12. Try an online budget tool.

If pen and paper (or spreadsheets) aren’t your thing, it’s time to join the 21st century and use a budgeting tool like EveryDollar. You can focus on planning a budget and tracking your spending from the comfort of your smartphone! Plus, you can sync up your budget with your spouse, which is great for keeping that communication open.

13. Be content and quit the comparisons.

You have much more than you realize. Don’t compare your situation to anyone else’s. Comparison will not only rob you of your joy but also your paycheck. Keep moving forward and doing what’s right for your family.

14. Have goals.

Whether you’re paying off student loans, building up your emergency fund, or paying off your mortgage, you need to focus on your why. What’s the reason you’re making these sacrifices?

15. Give yourself lots of grace.

It usually takes three to four months to get a handle on this whole budgeting thing. It won’t be perfect the first time, or the second. But you’ll get there!

Budgeting Tip for Inconsistent Income

Good news, guys. You can budget with an inconsistent or irregular income. A good rule of thumb is to budget based on what a low earning month would look like for you. This will be your budgeting income.

All you need to do is make a list of all the things you would put in a normal budget (giving, saving, four walls, etc). Then ask yourself, If we had a horrible month and we only had enough money to do one thing on this list—what would that be? Put a “1” next to that item. Then list your second priority and go on through your budget that way, marking items by importance. Be sure to take care of the necessities first. That way when you do get paid, you know exactly where your money is going.

How Can I Make a Budget Quickly?

One of the quickest ways you can do a budget is by using our free budgeting tool, EveryDollar and map out next month’s budget in as little as 10 minutes! Streamline the process even more using our premium version, EveryDollar Plus, which connects to your bank account so you’ll never miss another transaction.

When you realize the purpose of budgeting isn’t to limit your freedom but to give you freedom, you’ll be on the road to loving your life and your bank account! That’s what we call winning with money.

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now