CalCobra Extension

When to take the Cal Cobra Extension

Unfortunately, there's been a lot of questions we have fielded on California Cobra over the past 5 years due to the economy. For a quick recap, Cobra in continuation of group health insurance loses group health insurance either voluntarily or due to termination. The good news is that people with health issues who might not qualify for coverage on the individual and family market have a continuation option which is guaranteed issue. This option is generally not a cheap one and provides a real eye opener on the true cost of their health benefits provided by the prior company. California never leaves anything alone and this is true for Cobra which is a Federal program. Their answer is Cal-Cobra and many people are not aware of this option. Let's take a look at Cal-Cobra and whether it might a good option for you.

Another 18 months of Cobra coverage

Cobra typically runs for 18 months for most cases although some people might get 36 months due to special circumstances. When your Cobra exhausts, you may be eligible for another 18 month period of the same coverage through a Cal-Cobra extension. If the company is eligible (generally requires being domiciled in California), employees can elect a Cal-Cobra extension when they run out of the original 18 months. Just like Cobra, Cal-Cobra requires that the underlying group health plan continues in force. If the company cancels the plan all together (not just a change to another carrier) or goes out of business, the Cobra and Cal-cobra coverage will go away as well. In this case, a person may be eligible for HIPAA coverage which is guaranteed issue. How do you find out if you are eligible for a Cal-Cobra extension.

Checking if Cal-Cobra is available to you

The best approach is to ask your health insurance carrier or HR department. If the person doesn't sound to familiar with the question, don't take their answer at face value since many people are still new to the term even though it's been around for years. We have heard from many clients that they had to inquire a few times before getting a solid (and correct) answer. Make sure to use the term "Cal Cobra Extension" so there is no confusion over what you're asking about. When does it make sense to take a Cal-Cobra extension?

Cal-Cobra is Guaranteed issue, the same benefit that Cobra affords

This is the deal. Cobra and therefore Cal-Cobra which is the same coverage at generally the same price (might include 10% increase due to administration costs) are usually used by people who are unable to qualify for the individual and family market plans based on health. Currently (and this will change with health reform Jan 1st), individual and family plans are about 1/2 the cost for comparable coverage versus group health plans but they are also medically underwritten which means you need to be in good health to qualify. If a person can qualify based on health, they will usually take individual family coverage and save the money. If not, they will elect Cobra (and Cal-Cobra) at the higher cost but with no medical underwriting. You can run your individual family quote here if you feel you can qualify based on health. Otherwise, check into Cobra and Cal-Cobra rates and eligibility. How will Health Reform affect Cobra and Cal-Cobra?

Health reform will make many current options obsolete

It's hard to see how Cobra and Cal-Cobra will be needed when the Health Reform changes hit the market in earnest in 2014. All plans on the individual family market will be guaranteed issue (regardless of health) and the rates on the individual market will likely rise to where group coverage is. Cobra was intended as a safety net for people losing group health. This net will largely not be needed going forward. It will still exist but the need for it might not.

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Overview of Health Exchange For Texas

Texas Health Insurance Exchange Overview

Effective January 1, 2014 health insurance exchanges will begin to provide health insurance coverage options for consumers. A health insurance exchange is not a health insurance carrier but an inventory of standardized plans that are subject to government regulations. Individuals and employers will have access to health insurance exchanges to purchase coverage that is eligible for federal subsidies. Each state is required to establish a health insurance exchange. If the state elects not to establish a health insurance exchange, the federal government can create an exchange to serve the consumers in that state. Texas health insurance carriers will have the option whether to market coverage within the exchange. The adopted acronym for health insurance exchange is HIX.

President Obama promoted the concept of a health insurance exchange as a key component of his health reform initiative. Obama stated that it should be "... a market where Americans can one-stop shop for a healthcare plan, compare benefits and prices, and choose the plan that's best for them, in the same way that Members of Congress and their families can. None of these plans should deny coverage on the basis of a preexisting condition, and all of these plans should include an affordable basic benefit package that includes prevention and protection against catastrophic costs.”

The exchanges will provide four levels of coverage designated as metallic plans and categorized by actuarial value. Actuarial value is defined as the amount of healthcare expenses that the plan will be responsible for paying. The insured will be responsible for the remaining amount through payment of deductibles, coinsurance and copays. The plans are named platinum, gold, silver and bronze. Platinum plans will have an actuarial value of 90%, gold will have an actuarial value of 80%, silver will have an actuarial value of 70% and bronze will have an actuarial value of 60%. The exchanges will offer a catastrophic plan that is limited in benefits and will only be available to individuals under the age of 30 or to those with financial hardships.

Exchanges are expected to be operational by October 1, 2013. Applications that are submitted between October 1, 2013 and December 15, 2013 will be assigned a January 1, 2014 effective date. After December 15, 2013, open enrollment will begin and continue until March 31, 2014. Applications that are submitted between the first and fifteenth day of the month will have the first day of the following month assigned as the effective date. If the application is submitted between the sixteenth and the last day of the month during open enrollment, the coverage effective date assigned will be the first day of the second following month.

Individuals insured through the exchange will be eligible for premium subsidies, also known as premium tax credits, if they meet certain income requirements. For consumers who are between 100% and 400% of the federal poverty level (FPL), health insurance premium cost will be based on a percentage of their income.

Income Level Annual Premium Not To Exceed Percentage of Income

Up to 133% FPL 2% of income

133 to 150% FPL 3 to 4% of income

150% to 200% FPL 4 to 6.3% of income

200 to 250% FPL 6.3% to 8.05% of income

250 to 300% of FPL 8.05% to 9.5% of income

300% to 400% FPL 9.5% of income

Federal poverty limits vary by family size. The following table illustrates the income that falls between 100% and 400% of FPL depending on family size.

Family Size Income Between 100% and 400% FPL

Individual $10,830 to $43,336

Family of 2 $14,470 to $58,280

Family of 3 $18,310 to $73,240

Family of 4 $22,050 to $88,200

For those individuals who purchase health insurance through the exchange and meet income levels between 100% to 250% of the federal poverty level, cost sharing assistance will be provided. In order to qualify for cost sharing, in addition to meeting the FPL requirements, the individual must enroll in at least a silver plan. For individuals with incomes between 100% and 200% of the FPL, a 2/3 reduction in premium will be available. For the remaining individuals between 200% and 250%, the reduction will be either 1/2 or 1/3 depending on income.

Additional benefits will be available to individuals under 250% of the FPL. Individuals with incomes between 100% and 150% of FPL will benefit from plans with an actuarial value of 94%. Those with income levels between 150% and 200% will be insured by plans with an actuarial value of 87%. Insurance coverage will be offered at 73% actuarial value for individuals with annual income of 200% to 250%.

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Acquire Some Achievement Moving in Your Visalus Payment Strategy

Are you attempting to determine a much better method to obtain the Visalus Compensation Intend to work with you? Have a look at some specialist advertising ideas to easily jump start your Visalus company.

For those of you that are analyzing the Visalus Compensation Plan for the very 1st time or for those who've been arranged with the business for almost any amount of time you're probably asking how the top money makers create that type of prosperity and how you'll manage to do exactly the same.

To Start With We'll need certainly to Handle several Questions:

Problem number 1 - Are you able to really produce an amazing money within the Visalus Compensation Plan?

This is really an honest 3rd party statement consequently we are able to, without purpose, say "Most Definitely". We personally know people who are actually creating great earnings due to the Visalus Compensation Plan. The income doesn't come without the work, nonetheless the money does come and there's surely wonderful proof of this within the organization.

Issue no 2 - May be the Visalus Payment Strategy Everlasting?

This can be a really important point that top money makers within the business conduct their research on completely. The real reason behind that's numerous companies come and go in the MLM market place primarily because their Pay Plan wasn't built properly right from the start making them insolvent. Taking a look at the Visalus Compensation Plan, being an business leader, the specific pay strategy seems reliable and can also be meant for the long term.

Methods to Completely Rock n Roll Your Visalus Payment Strategy

Taking a look at the Visalus Compensation Plan we can easily notice that it's organized properly nevertheless, how can the average person get over average results? You may be watching others getting these results and you truly need the identical for you and also all of your group! You realize that the Visalus Bimmer has your personal name throughout it and you're searching for slightly increase to get Vroooom. The Top Top Money Makers bring the important thing for this understanding and they posses particular faculties and functions to greatly help them allow it to be a real possibility. If you happen to be questioning ways to ensure it is happen without originating from another business and holding an enormous down-line with you, having a listing of 500 pals to present to or maybe holding expert communication skills such as for instance a property agent pay attention since we're really going to reveal some business secrets that everybody is ready to do to obtain the lifestyle you want. Oh ya, this is wonderful to generally share together with your whole group (bear in mind how important replication is).

Exercise these 4 Crucial Management Techniques and Obtain the Results you Deserve

1. Have a pleasant Mentor! We recognize the expression "Success leaves clues"! There's number reason behind you to invest time reinventing the wheel, so find someone making and going where you desire to be and follow them. Keep in mind that you're the typical of the five many people you surround yourself with so have a look around and then ensure changes to get to where you need to be. Perhaps you have discovered that successful people simply spend time with some other good lucrative guys and women?

2. Remain constant, dedicated and do not be worried about the outcomes. Whenever you participate in those things, the advantages can appear no real matter what. Typical people "give possibilities a shot" and when it generally does not work-out inside a week they stop. The important thing differences are effective people think long-term and are usually prior to their programs. Rome wasn't built per day.

3. Never slow your speed while getting in to your Visalus Compensation strategy. The Most Effective Producers are recruiting new people each week, providing them with the various tools and methods then recruiting more. Individuals are both prone to simply take the methods and use the organization or not. Don't delay the inevitable by babysitting anybody. Still another thing: Your group can copy your steps ergo as a leader you have to keep consitently the energy.

4. Have an automatic recruiting marketing program in position. If you wish to turn into a Top Producer you need certainly to play like one! Your Prospecting Marketing System can make sure you won't ever go out of competent people to show your chance to. Your Up-Line may possibly not be exposing this method simply since they do not want you to slow your roll with engaging in your comfortable industry (friends and family) to create that immediate money for the group, nevertheless without having this program you're dead in the water until you know 500 people that you simply can speak to. Ever wonder how the others accomplish top ranks in less than 12 months? They've got an on the web guide plan in position that will be fully automatic and self personalisation.

If you exposed a conventional company, let's say a cafe, could you exclusively depend on your pals and family to obtain you to financial freedom?

Tanya Links is just a well-known Social Networking Marketing Coach that handles her Home Business from her beach house in Costa Rica. She assists Visalus Compensation Plan business people market their chance utilizing the power of the web to get in touch with well qualified prospects who're already searching for Home Income Opportunities. Several Network Marketers are a deep failing since they are working out of individuals to generally share their chance with. Why don't you influence the ability of the web to obtain global publicity and attract competent people to present to? Are you seriously interested in making your home-based company and are you prepared to understand some Ninja Marketing methods so you can ultimately end hassling your pals and family? Visalus Compensation Plan Entrepreneurs it's time and energy to have a far more leveraged life, wouldn't you agree?

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Educating Yourself About Investing

For many years, investing in stocks was an opportunity reserved only for the extremely wealthy. Investment banks and brokerage firms catered to the upper class, leaving most people out of the stock market game. Over the last few decades, investing in the stock market became the most lucrative way for anyone to increase their wealth. The stock market has had a higher average return than both bonds and mutual funds over the last few decades. Major investment houses, brokerage firms and discounted, online investment platforms opened their doors to anyone with an interest in buying low and selling high. While most people rely on the experience and expertise of their broker or financial advisor, you can take control of your investment accounts and your future with an understanding of a few basic principles. It’s not investing for dummies, it’s investing for everyone.

Your stock represents your share in the ownership of the company. It is your claim on any future earnings and dividends. Buying stock in a company shows that you are interested in its long-term success. Profits are eventually paid out in dividends, and the more stock you own, the more dividends you receive.

Investing for dummies means that you have a basic understanding of the company and how it works. Pay attention to its earning statements, sales numbers, debt, and equity. You should also be familiar with the company’s annual report, quarterly reports filed with the Securities and Exchange Commission (SEC) and any third party publications like the Wall Street Journal. Your broker or brokerage site may also have research for your review. Once you are familiar with the company’s operations and management strategy, you can determine how much money you want to invest in the company.

Most investors are using the stock market to build long term wealth. Their portfolio is designed for the long term, so it is able to manage the highs and lows of the market. A diverse portfolio, meaning that you have invested in a number of different companies, industries, and areas, is the best defense against a market down turn and the best offense in a good market. By keeping an eye on your portfolio, you will develop a better understand of the market and how it’s upswings and down turns effect your investments.

When developing your investment strategy, consider not only the stock price, but the company’s current earnings and earning potential. Your own buying and purchasing habits can influence the stocks you buy, so take some time to consider where you spend your money. While stocks and their values are subject to the basic rules of supply and demand, no one can truly explain why some stock prices soar and others languish at the bottom of the bin. Investing for dummies may boil down to “buy low” and sell high, a savvy and sophisticated investor will create a more nuanced approach to this simple principle. Buying low and selling high is all relative to the capital you have available and your tolerance for risk and loss.

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Getting to Know the Stock Market

As traditional pensions and retirement plans become as antiquated as the rotary phone, more people are investing in the stock market as a way to increase their savings. Once used only by the truly wealthy, today’s stock market is accessible for all investors. Whether you have $100.00 to invest or a $100 million to invest, the principles are the same. With the right information and investment advice, anyone can be a winner.

A stock is simply a share in the ownership of the company. Your stock represents a claim on the company’s earnings and assets. As you purchase more stock, your stake in the company, and the potential for higher earnings, grow. Profits are often paid out as dividends, and the more stock you own, the more dividends you reap. Owning stock in a company does not mean that you have a voice in the day to day management of the company. You do, however, have a right to vote on the company’s board of directors, which, should, in theory, be making sound business decisions on your behalf.

You’ve heard the expression ‘buy low, sell high”, but you may wonder what exactly that means. Stock prices fluctuate daily (even hourly), as a result of the free market economy. Share prices changes because the demand and supply of those shares change. If more people want to buy a company’s stock, the price goes up. If more people are selling the stock, the stock price falls. The price of a stock is reflective of what people- both investors and the general public- feel the company is worth.

When deciding on which stocks to purchase, pay more attention to a company’s earnings. The earnings are the profit a company makes. Public companies (those traded on Wall Street) are required to publish their earnings quarterly. If a company is making more money than expected, you can count on the stock price to increase. Subsequently, if the company made less money than projected, the stock price will drop.

Most people buy stock using a brokerage firm. Full service brokerage firms offer advice and manage your account for you. They tend to charge higher fees than discount brokerage firms, which usually don’t provide advice or a full suite of customer service options. Online brokerage sites allow anyone with a bank account and some money to invest in the stock market. There are a number of reputable on-line sites that can help you research the earnings history and potential of any company that interests you.

When choosing which stocks to purchase consider the stock price, the company’s earnings and use your own common sense and intuition decide on the value of a stock. Most stockholders have a long-term investment strategy, which allows them to weather the ups and downs of the stock market without suffering a huge financial loss. Keeping yourself informed about the general health of your stock and the company will also secure your investment against losses. Before you invest in the stock market, take a moment to assess and evaluate how much loss you stomach- and wallet can absorb, and proceed accordingly.

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The PCIP Health Insurance Plan in California

PCIP health insurance for Californians

One of the interim programs for health reform until the big change over Jan 1st 2014 is a pretty useful and critical safety net for Californian's that are unable to qualify for health insurance due to health issues. It's call the PCIP program or the Pre-Existing Condition Insurance Plan and it operates as a Federal program under State partnership in California. There are a few key qualifications but really two that stand out as significant. Let's take a look at the PCIP health plan in California

What is the PCIP health plan?

Come Jan 1st, 2014, health insurance in California will be guaranteed issue which means that a person cannot be declined due to health. As of today, health insurance carriers can still decline coverage for an individual or family applicant based on their health status. The PCIP was designed to bridge the gap for these individuals until the switch over Jan 1st 2014. In conjunction with MRMIP, California's high risk pool, the two programs offer a pretty complete safety net for those unable to qualify based on health. First, let's look at the main requirements for qualifying to get the PCIP plan.

Two main requirements for PCIP eligibility

There are general requirements for California PCIP such as being a California resident and a U.S. citizen but the two big qualifiers deal with prior coverage and the inability to qualify for new coverage. Let's break both of these down in detail.

1. No prior health insurance for past 6 months. This includes individual family coverage, group coverage (employer, Cobra, or HIPAA), and other insurance. PCIP was really developed to help people with no other options so make sure not to lose Cobra or HIPAA options if available since the PCIP plan will require that you have no coverage for prior 6 months.

2. Inability to qualify for health insurance. The PCIP plan will require that you be declined coverage from a health insurance carrier in the past 12 months or have a letter from a licensed practioner that you have a serious health issue.

The Benefits and Costs of the PCIP plan

If you meet the eligibility requirements above, the PCIP plan benefits and costs are actually very reasonable relative to the other individual and family health plans on the market. The benefits are on the richer side of what most plans offer on the individual market with costs less than the richer plans on the health market. It will definitely not be the cheapest plan on the market but it will offer very rich benefits at a competitive rate which is ideal for someone unable to qualify for other coverage. Traditionally, MRMIP has been much more expensive. MRMIP is generally our fall back option if someone is unable to get PCIP (usually due to the 6 month of no prior coverage requirement).

Find out your PCIP rates online

You can actually see what the rates and benefits are through our individual family quoting engine as we feel it's important to provide this information even though we don't directly participate in the program. If there's a chance of qualifying for health insurance, we recommend to apply for your ideal plan within the standard market since we need a declination anyway. Again, we're now looking at less than a year to where the PCIP plan (and a host of other options) will no longer be needed and/or relevant.

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Looking For A Short Term Personal Loan From The Pawn Brokers

The New Year is here and the flurry of Christmas spending is over, but for many of us the lingering effects of splashing out on extravagant gifts, lavish parties and self-indulgent food will still be with us. So, it's worth planning on how you can get your finances back in order now 2013 is upon us.

I've assembled an instant list of some basic ideas to help ease the extra strain caused by seasonal spending using things you already own.

Make use of your possessions to secure an online pay day loan

Diamonds, gold, fine jewellery, designer watches and antiques - to name but a few - can be used to secure a short-term loan online. Sometimes, this kind of financing can be a better choice than selling your belongings outright. Here's why:

• Provided you repay the loan, you can keep your possessions - this is perfect if the item in question has sentimental value

• You can use the identical possession to secure another loan or sell in the future

• You'll receive an accurate valuation (as long as you use a reputable provider, that is!) so you can be sure you're getting a fair deal

• No credit rating

• You can receive your loan within Twenty four hours of it being approved

Loan - Local market stalls

Secure a short-term loan from a Pawn broker

You might have been thoroughly spoilt over the Christmas season, but it is fairly likely you will probably have received at least a few gifts that you don't really want - it happens to us all. Instead of hanging on to these out of sheer politeness, you can put them to use to help recoup some of your seasonal spending.

As a quick caveat, it's best not to do this with anything that might have sentimental value - as an example, if a family member has passed on an heirloom.

There are particular ways you can sell your unwanted Christmas gifts. You can, for example, take up a stall at a local market - provided you have plenty to sell. Or, if you have fewer items, you could simply take them along to an event like this and see if any of the stallholders would be interested in selling them for you.

As a brief tip, it's worth taking a good look around your property to see what else you can include in this. After all, the New Year is the ideal time to de-clutter with a spring clean, so you may as well sell, rather than simply discard, any personal belongings you no longer want or need.

So, choose any books you do not need, old toys the kids have grown out of, and ornaments that have spent the last few years packed in boxes. There's no need to be super-selective about what you sell - after all, the worst that can happen is you'll end up taking something home again - but do make sure whatever you offer is in good condition. Or else, you might put off customers.

Use online auction sites

Naturally, you may not have the time or tendency to man a stall - even just on a non permanent basis. But, online auction sites (like eBay) are wonderful alternatives.

Using these, you can sell your unwanted gifts and old possessions without having to freeze in the process. It's worth remembering you need to be timely with your posting to avoid getting bad ratings, though, so it's a smart idea to have packaging ready.

However, if you own anything that's either got sentimental value or is worth a lot, I'd recommend instead going with my first suggestion and using it to get a short-term loan instead.

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All About Penny Stocks

When discussing penny stocks, many investors are referring to highly volatile, lower priced stocks. Penny stocks are exchanged over the counter (OTC) and sell for less than $5.00 a share. They are also referred to as micro-cap stocks. Companies offering penny stock may be new (the penny stock may be part of an IPO), or they may have some challenges in the areas of debts to asset ratios, liquidity, or small capitalization. Since penny stocks are subjected to less rigorous filing and regulatory standards and limited listing requirements, investors should research each company thoroughly before purchasing.

Most investors opt to forgo the pricey brokerage firms and buy and sell discounted penny stocks on their own. There are a number of online trading platforms which make trading discounted penny stocks user friendly. When researching trading sites and platforms, you should look for the following features:

• It should be easy to sign up. Most firms will allow you to sign up online and immediately transfer your opening balance from your bank. Your identity and fund availability can be verified almost immediately, so there is no need for you to fax or mail any forms.

• The sites should be user friendly. The site should be easy to understand and navigate. Most sites have a number of different research tools and planning guides for you to utilize. This one stop shopping approach allows you to research your stock and company and then make the purchase. Some sites allow you to create charts and graphs to help you literally map out your strategy.

• There are a number of different fees associated with online trading . Some sites charge a fee per trade, others charge a fee when your balance dips below a certain amount. Some charge a quarterly or annual fee as well. Take some time to compare fees and services to find the site that best fits your needs and your budget.

When choosing to invest with discounted penny stocks, it is important that you do some independent research to identify the economic viability of the company. If the company is new, finding comprehensive and unbiased information can be a challenge. These companies are not required to file with the SEC, so they are not subject to the same regulations and scrutiny as bigger, more traditional stocks. Sites like Google Finance and Yahoo Finance can offer some independent advice. Additionally, discounted penny stocks traded over the counter on the “pink sheets” are not required to file minimum standards. Minimum standards can act as a safety net for investors and a gauge of the company’s overall health.

Discounted penny stocks require continual and constant moderation. The value of discounted penny stocks can change rapidly and it won’t take long for your losses to add up. For investors looking for high risk/high reward stock options, discount penny stocks offer the best opportunity for a big return. While not for everyone, discounted penny stocks can offer an exciting and lucrative opportunity for well informed and diligent investors.

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Analyzing Penny Stocks

Getting a good penny stock takes a bit of leg work, some research, impeccable timing, and maybe even a little luck. Penny stocks, also known as micro-load stocks, are stocks traded through off the major exchange for significantly less money than traditional stocks. Penny stocks generally trade at less than $5.00 a share. Since these stocks are traded “over the counter”, most investors buy and sell them without a broker. This requires investors to do some research and develop and implement a comprehensive investment strategy to protect against big losses. Good penny stocks offer investors willing to face a riskier, more volatile market a chance at a bigger reward.

Many websites are dedicated to researching and analyzing penny stocks. These analysts pay close attention to a company’s liquidity, debt ratio, equity, and assets. Since penny stocks are not traded on the traditional exchanges, they are subject to less rigorous filing and listing requirements. This makes finding good research on them difficult. In addition to utilizing penny stock tip websites, you can research good penny stocks on sites like Google Finance and Yahoo Finance.

Many websites specializing in good penny stocks offer you access to their chat rooms and discussion forums. This gives a potential investor an opportunity to hear about the experiences of other investors, and perhaps an opportunity to see their trading portfolio. You generally need to pay a small monthly or yearly subscription fee to get access to the sites recommendations and chat functions.

Many analysts are recommending penny stocks that are poised for big growth over the next few months. Gaming systems, social media support, beverage companies, and power and natural gas companies are expected to make gains over the next few months. For investors looking for good penny stocks, they should follow some national and regional trends and keep an eye on companies looking to make big moves.

Finding good penny stocks are only the first part of the equation. Penny stock traders must have a disciplined approach to buying and selling these volatile stocks. Since penny stock investors are generally not using a broker, they must stay on top of their picks. Penny stocks can gain and lose value much quicker than more traditional stocks. Utilizing stop orders is one way to stop the hemorrhaging from a stock losing its value. Keeping your penny stock portfolio is also important, so don’t invest all your money in the same company or field.

Investing in good penny stocks is not for every investor. To successfully play the penny stock market, you need to have a high tolerance for risk and volatility. Investors who can handle the extreme up and downs of this market can make a good deal of money for a smaller than average investor. As with any investment opportunity, it is important to understand the risk involved and prepare accordingly. Good, independent research, expert analysis, and your own common sense and intuition can go a long way in making your penny stock investment a profitable one.

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How To Pay Off An Interest-Only Mortgage Before You Retire

560,000 Home owners Have An Interest-only Mortgage With No Plan To Pay Off The Debt

During the last decade more and more homeowners decide to opt for an Interest-only Mortgage as a means of affordably financing their homes as house prices increased. Lenders have in the past allowed interest-only mortgages even though most mortgage borrowers did not have a suitable repayment vehicle to repay their mortgage after they retired.

Freshly released market research conducted by BDRC Continental has found that 33% of interest-only mortgage homeowners did not have a repayment vehicle or a plan as to how they would pay off their mortgages before their retirement. These findings suggest that there are around 1.8 million Uk homeowners currently have an interest-only mortgage of which one in three interest-only mortgage owners are sat on a ‘ticking time bomb’ without a proper solution.

The Implications Of An Interest-only Mortgage

Being without a suitable repayment vehicle to pay-off your outstanding mortgage balance at the end of the mortgage term leaves many borrowers still paying a monthly mortgage payment into retirement. In most situations mortgage companies will not demand that the mortgage is repaid on retirement, unless the homeowners should fall into arrears. Generally borrowers will probably end up relying on their state pension to try and fund their monthly mortgage payment and pay their daily living costs. Around 12% of borrowers said that they would down size their homes and hopefully if there is enough money left after the sale of their home buy a smaller house. Other homeowners will probably fall into mortgage arrears as they struggle to repay their interest-only mortgage in retirement and then end up having their homes repossessed.

Is There An Answer To The Interest-only Mortgage Time Bomb?

There is always an interest-only mortgage solution to most problems including “how to repay your interest-only mortgage before you retire”. Not every interest-only mortgage solution is right for every borrower as ever mortgage is unique to the borrowers’ personal circumstances.

It's never too late to look at any of the following possible interest-only mortgage solutions:

If you've still got Ten or fifteen years left on your mortgage before retirement then you should consider changing your mortgage from a 100% interest-only mortgage to a full repayment mortgage. If the cost of a full repayment mortgage is not possible due to the cost then think about a part repayment mortgage and part interest-only mortgage. This means that you would at least have a smaller mortgage repayment in retirement.

Consider selling your home when you feel that you can no longer afford the repayments and down size. If on the other hand you do not have enough equity left from the sale of your home to buy a smaller house, then consider investing your cash in the bank. Remember you could be retired for another 40 years which in some cases is longer than most people have worked in their lives.

Some home-owners are lucky and have parents that will leave them enough money to settle their interest-only mortgage. Anyone looking to inherit enough money from their parents should know that if their relatives are in a nursing home then their homes could be being used to fund their elderly care facility and they would possibly not receive as much inheritance as they thought.

You could always ‘rent out your garage’ for as a way of earning some extra money in retirement to help pay your bills.

Rent a room in your home and earn up to £4,250 tax-free income a year. That’s an extra £354.17 per month which would certainly help with your mortgage repayments. This isn't everybody’s first choice of a solution but it could be used to help with paying a repayment mortgage or with helping to pay your interest-only mortgage during retirement. Not perfect in anyway but certain a life line!

Like I said earlier we could all be retired for many years and it might just be worth while finding a better paid job, or consider starting a part-time business or look for a part-time job to help pay the extra money to put your mortgage back on a full repayment plan.

It’s not to late to remedy your interest-only mortgage situation. I hope I have provided you with some ‘food for thought’ as to how you can put your current interest-only mortgage onto a full repayment mortgage that would finish when you retired and leave you mortgage free to enjoy your retirement.

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Choosing Penny Stocks

A penny stock is usually defined as a stock that trades at a relatively low price outside the major market exchanges. Penny stocks are highly speculative and high risk because the companies lack liquidity, have small capitalization, and limited following. Traders commonly refer to any stock which trades for under $5.00 or a stock that trades off the major markets as penny stock. Companies that offer penny stock tend to be small, and are subject to limited listing requirements, filing, and regulatory standards. Most penny stocks are traded over the counter (OTC) through stock quote services.

Penny stocks are attractive for investors who don’t mind a higher risk. Since the companies that offer penny stocks may have a high debt to liquidity ratio or limited assets and lower earnings, there is more risk involved when purchasing the stock. The low prices of penny stocks are appealing to many investors because they can purchase a large quantity of the stock for a low price. If you are buying a volume stocks for $5.00 a share, modest gains can begin to add up quickly.

In order to be a successful penny stock trader, you need to create specific guidelines for buying a stock. Whatever you are using to guide your purchasing, stick to your criteria and don’t stray from it. Use this formula to help you decide when you should sell your penny stock. Know when to get out, and don’t let your losses pile up. Be disciplined in your trading.

When selecting your penny stock, only buy stocks with good volume. It’s too difficult to get in and out of a position if the stock is only trading at a minimum volume per day. Many penny stock trading experts recommend trading stocks with an average of at least 1,000,000 shares every day.

Do some research on your potential investment. Since penny stocks are not regulated as closely as traditional stocks traded on a major exchange, you need to know exactly what you are putting your money into. Have a solid understanding of the company’s business model and financials. Many companies pay investors and writers to promote their company, in order to raise stock prices, so be judicious about where you are getting your information. Stock advice and tips that come unsolicited via email, social media, and “snail mail” will most likely be biased and not provide you with the whole financial picture of the company. Very rarely should you act upon the recommendations. You will want to do your own, un-biased research.

Diversification is as important with penny stocks as it is with more traditional stock. Develop a strategy that allows you to invest in a number of different companies. Never put more than 20 percent of your money in any single company.

Take advantage of stop orders. Make sure you have a standing stop order in place for your portfolio. When dealing with penny stocks, a market downturn can drain your account quickly. Although there’s potential for growth with these investments, there is also a potential for big losses.

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Deciding if Penny Stocks Are Right For You

Finding penny stocks requires a little more from the investor than calling up his or her broker and issuing a buy order. The investor must explore a number of online resources and research and evaluate a company’s financials. Penny stocks, also known as micro-cap stocks, are generally issued by new companies facing liquidity, equity, or profits challenges. Some of these stocks have been delisted from the major exchanges, so they are working their way back to the big board. These stocks are not held to the strict filing and listing regulations of other stocks, so investors may need to do some leg work to uncover good penny stocks.

Most penny stocks are not traded through a traditional brokerage firm. Since they trade at less than $5.00 a share, most penny stock investors open an account with an online brokerage firm. This allows them trade stocks without paying heft broker fees. There are many online resources and penny stock finder services that can help the investor identify solid penny stocks. Using these penny stock finder services, an investor can identify some hot stocks and do some independent research.

Penny stocks appeal to many investors because of their low price. Investors with limited capitol can purchase a large quantity of stock for a small investment. These investors are looking for volume stocks. When an investor makes a solid penny stock purchase, even moderate gains can add up. Of course, penny stocks are riskier than more traditional stock purchases. Modest losses can drain your balance t quickly, simply because of the sheer number of stocks purchased. Utilizing stop orders can help manage big losses, but investors need to stay on top of their portfolio and keep an eye on the stocks movement and overall market trends.

Most investors turn to websites and online discussion forums for advice about getting good penny stocks. These sites can serve as a penny stock finder, offering recommendations and limited research for a subscription fee. There may be a free limited trial offer, so you can register with the site and track their stock picks to see how accurate they are. Listening to other investors and asking questions about their portfolio on the online chat rooms is another penny stock finder option. Use this information to track trends in the penny stock market.

When utilizing a penny stock finder service, pay special attention to the diversity of the stocks. Ideally, you should spread your money around and invest in different companies, and industries. Even geographical diversity can make a difference. 

Penny stock investors are not long-term investors, so their investment strategy is not designed to outlast the volatility of the market. Penny stocks are a great option for investors looking to play a hot tip or trends using a little extra cash they want to turn into a profit. Penny stock finders will help you identify the right stocks for your portfolio.

If you decide penny stocks are right for you, remember to stay disciplined stay balanced, and prepare yourself for a wild, and hopefully profitable ride.

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Secrets to Get Wealth in Penny Stocks

The cent stocks are known as penny stocks in which it is identified as common share of all public companies that would trade to share at low prices per share.

And it varied due to the variance of money and financial values from city to city. In simple it is defined as the share of money for the lowest price per share. In United States, the trades of the penny stocks will be given as $5 per share. And in United Kingdom the stocks priced under the range of £1 based on the area of finance the lowest share market will be varied. The best penny stocks alerts will make use of lead to know the ranges of lowest share market range in the market.

The level II penny stock market which will help to know what is happening in the given stock. The uses of this level II penny stock market are you can tell what kind of buying is taking place in the market of retail or institutional. By looking at the type of market you can either get to know the place of market is retail or institutional. And more the large institutions are not use the same market makers as the retail traders. It is nothing but the investing the amount in market and get back it by applying the lowest share market price. More and more of peoples are getting the million of money from this penny stock investment.

Instead of using this best penny stocks you will become a better trader in these type of investment. First you need to make sure whether the investing the amount in penny stocks is right for you or not. Because of everyone’s of financial situation is different so you need to confirm whether the penny stock is needed or not and you may need to handle carefully in this stocks. Penny stocks are high at the end of rick spectrum so you need to be clear before the investing of your money. The second you need to understand the volatility of penny stocks. You need to know that stocks are not always remains the same it will be changeable and it will be varied due to the share market range of the finance.

Every day you may get the loss or gain from this daily analysis. But you need to keep mind always the penny stocks are volatility. The third step is you need to research before buy penny stocks. This for you need to analysis before the investment. If you need to get the profit for your investment means, then you need to get the details about the stocks of at present details and get research about it. By this you will get the maximum profit as much as possible. And fourth you need to be willing to hold on for a while because the profits of this penny stocks will be changed according to the share market but once you get the profit from this means, and then you can hold it tightly at the time and get more profit by this.

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Recent Events Show Relevance For Civil Rights Organizations

According to Ryan Dody, a contributor on ehow.com, civil rights organizations were in the forefront for the underserved in the United States.

He noted, “The American civil rights movement of the 1950s and 1960s forever changed the political spectrum and social interaction within the country. Though advocacy groups had long been in place, it wasn't until this era that they began to wield major political influence on a national scale. Many nonprofit organizations help advance the cause of civil rights for African Americans and other minorities. Similar organizations monitor human-rights violations on a global scale.”

Many argue that the pressing issues of that period are now resolved and the relevance of civil rights organizations are in question.

“There is a need for civil rights organizations now, more than ever. Hate crimes are still being committed, some neighborhoods are still segregated, and there is still a disparaging economic gap between minorities and Whites,” stated Randye Bullock, an emerging author in Detriot and co-founder of the National Black Public Relations Society.

“Many Americans feel that since we have a Black President, we should feel that we have ‘arrived.’ But as long as there is discrimination in the job market, housing, insurance, etc., the watchdog groups must not rest. America should never go backwards, be complacent, or sit on its laurels, for there are always those who would like to eliminate all progress.”

In order to determine the relevance of civil rights organizations, let us point out that infringement on these rights have impacted more than people of color.

The civil rights organizations of prominence include the NAACP, National Urban League, American Civil Liberties Union, National Organization for Women, Amnesty International and the Anti-Defamation League, which have been in the fight for civil and human rights for decades.

Their constituencies range from minorities, women and religious groups to political prisoners, disabled people and immigrants, encompassing issues including racism, sexism, age and workplace discrimination with a common goal for justice and equality.

The rash of recent racially charged statements, particularly those directed at President Barack Obama, made by individuals in the public eye from industries ranging from journalism to the judiciary have emphasized to many the relevance of civil rights organizations.

Paul Meacham, former president of the Clark County Community College (now the College of Southern Nevada) put it this way, “Are civil rights groups still relevant? To quote Sarah Palin: ‘YOU BETCHA!!’ One needs only to look at the Republican/Tea Party circus going on to get the answer to that question. If any one of them somehow gets in the White House, we're going to need more than civil rights groups like the NAACP, Urban League, etc. As I see it, the only antidote is the vote. So get out from behind your comfort level and start registering people to vote. And after that, GET THEM TO THE POLLS.”

Also, Jon A. Shields, a retired high school teacher and certified adult trainer in Illinois added, “They are definitely still relevant. Racism still is alive and well in this country. There is strength in numbers and minorities need to show strength through affiliations with groups; and in groups that stand for civil rights.

“Rights of Black men are violated constantly by the law enforcement establishment. Yes, civil right organizations are needed to address this injustice. If the president of the USA can be bombarded with racist actions and attitudes daily, then there certainly must be a need for groups to address these same issues for Black folks who haven't achieved such an elevated status in this society as our president.”

The relevance of civil rights organizations to a generation that has benefited from the sacrifices of previous generations may warrant a review of the basic foundations for these organizations and how they can evolve to survive and still maintain their established legacies.

“Civil rights organizations will always be needed - whether or not they are relevant is based on other factors like the mission. Over the past 16 years I have worked for or consulted with multiple African American organizations focused on technology, employment, training and energy and my time with each was unique plus special and I found that all of us worked hard to champion our stated causes,” commented Guy Madison, Principal Consultant, GM Consulting in Atlanta.

“What keeps the organizations going are those individuals that will approach you and say I wish we had this when I was coming up or thank you for making a difference because I had nowhere else to turn as other methods have yielded little to no results.

“The question is important because the next generation isn't drawn to civil rights organizations and it is a growing trend. We know ‘why’ these groups are still needed, but we need to focus on ‘how’ to bring in the next generation of leaders and give them the skill sets to deal with the current challenges of the day.”

Civil rights organizations paved the way for people from all walks of life to pursue “life, liberty and the pursuit of happiness” in this country.

Without these “drum majors for justice,” the lifestyles that many of us take for granted would not exist. Without diverse people today taking up those same banners we are jeopardizing the access to these same “inalienable rights” for the next generation.

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Chad Holley, Martin Cases Show Black Male Life Has No Value

Sorry Black men, but your life is worth nothing. It is worth nothing in the eyes of the law, which allows others to brutalize you and murder you without any repercussions. And it is worth nothing in comparison to other forms of life, not just human beings.

Most of the country has paid attention to the senseless murder of Trayvon Martin at the hands of self-appointed neighborhood watch captain George Zimmerman in Sanford, Fla. However, very little attention has been given to the beating of Houston teenager Chad Holley at the hands of six Houston police officers on March 24, 2010.

Chad Holley was avoiding arrest on a burglary charge when officers were caught on video beating and kicking the then 15-year-old who appears to be submitting to the officers’ arrest.

According to the Houston Chronicle, the six officers, including the recently acquitted Andrew Bloomberg, were fired for their actions by Police Chief Charles McClelland. Nevertheless, an all-White jury in a town as diverse in Houston found Bloomberg not guilty of the misdemeanor charge official oppression, despite clear video evidence that he assaulted Chad Holley.

The acquittal of Bloomberg harkens back to the acquittal of the officers who beat Los Angeles motorist Rodney King. More peaceful protests have erupted throughout Houston since the acquittal on Wednesday.

The next day, the Associated Press reported that Martin had traces of marijuana in his system the night he was murdered by Zimmerman. The AP also reported that a photo surfaced “showing Zimmerman with a bloody nose on the night of the fight. A paramedic report says Zimmerman had a 1-inch laceration on his head.”

The evidence is crucial to Zimmerman’s defense that he shot Martin in self-defense, invoking Florida’s stand your ground statute. However, where were Martin’s rights the night of Feb. 26?

Many have sided with Zimmerman, stating that he had every right to shoot the teenager because he feared for his life as a result of the physical altercation, but why didn’t Martin have the same right to stand his ground and defend his life? Was Zimmerman’s life worth more than Martin’s life? Unfortunately, it seems so.

Black male life has been undervalued, devalued or not valued at all for generations. The murder of Martin and the police brutality endured by Chad Holley are just the most recent examples of the obvious.

We can go back 15 years to the murders of Tupac Shakur and Notorious B.I.G. Despite evidence pointing to several suspects over the years, police in Las Vegas and Los Angeles, respectively, have seemed to turn the other cheek at evidence that could have led to the arrests of the murderers of these two Black men. You can add Jam Master Jay and others to a growing list of unsolved murders involving high-profile Black males.

Furthermore, football star Michael Vick was incarcerated for killing dogs, but it seems very few, Black, White or otherwise, are ever incarcerated for the deaths of Black males.

To make matters worse, when Black men are victimized by crimes, the media and society at-large find a way to demonize these young men, as if one mistake in life justifies their assault or death.

Yes, Chad Holley was wrong for his part in a burglary and he paid the price. The officers who assaulted him should also have to pay the price for their wrongdoing.

Yes, Martin experimented with marijuana like many teenagers, but that has nothing to do with what happened on the night of Feb. 26 and it is definitely not the reason Zimmerman confronted him on that night.

He was confronted because he was a Black male, and because of stereotypes and stupidity some idiot decided his life was not as important as a non-Black life.

It is just sad that Zimmerman is not the only person who feels that way; just ask Chad Holley, Vick and King among others.

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The Hispanic Trayvon? Self Defense Laws Gone Awry

In his historic letter from a Birmingham jail, Martin Luther King, Jr. stated “injustice anywhere is a threat to justice everywhere.” Those words can also be paraphrased to state injustice to anyone is a threat to justice for everyone.

Black America, and some in mainstream America, have been justifiably up in arms over the senseless murder of Florida teenager Trayvon Martin in February. Many have blamed racial profiling and Florida’s self defense laws as the culprits along with George Zimmerman.

Although many non-Blacks have participated in the rallies for justice, just like during the Civil Rights Movement, the sea of people in these marches against similar self defense laws have been predominately chocolate.

However, what if the roles were reversed and the killer was Black and the victim was White or Hispanic, would African Americans be as vocal about injustice and these asinine self defense laws?

I asked Houston community activist Quannel X why we do not see more diversity at these protests and he stated that many people do not care about injustice if it does not affect them. His assessment is probably the truth whether we admit it or not.

According to USA Today, on April 3 in a Taco Bell parking lot in Phoenix, Daniel Adkins, Jr. got into a verbal altercation with Cordell June. After the altercation ended Adkins was dead from a gunshot wound and two months later June is still a free man. June stated that Adkins swung an object at the passenger side door of his car where his pregnant girlfriend sat. June invoked Arizona’s self defense laws and has avoided prosecution.

The only difference from the Martin tragedy is that the victim is Hispanic and the killer is African American.

USA Today writer Marisol Bello wrote, “Unlike the Trayvon Martin case, in which civil rights leaders pounded their pulpits in protest and signed petitions calling for an arrest, the death of Daniel Adkins, Jr. has gotten little national attention

“As in the Martin case in Florida, in which police did not arrest George Zimmerman for 45 days, a stand-your-ground law is influencing action in the Phoenix shooting.”

Although Adkins’ parents do not believe race was a factor in their son’s death, they understand how stereotypes or misinterpretation can lead to tragic consequences. Their 29-year-old son was mentally disabled and could have come across wrong to June. Likewise, a hoodie worn by a Black teenager could have come across as threatening to a person that is steeped in stereotypes.

Nevertheless, wrong is wrong and right is right no matter what color the victim and the perpetrator might be and it is imperative that the Black community stand up for justice not only when it affects us but when it affects others as well.

Like Martin’s parents, the Adkins family will never see their son again because of an avoidable situation. And like Sybrina Fulton and Tracy Martin they deserve justice for their son, despite the self defense laws that make it more difficult to punish killers.

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Abdel Aziz of Mauritania Should Step Down Now

His government nothing more than a pack of lies and his regime a dictatorship bent on oppressing the people of Mauritania, it is past time that Ould Abdel Aziz stepped down. His illegal seizure of power in 2008 remains to be addressed honestly. Despite numerous calls from the international community for an honest reckoning, Aziz has rebuffed any attempt to show his illegitimate his government is. His promises of elections “as soon as possible” is a complete joke and is reducing Mauritania to a laughing stock across the globe. The 2009 election in which he won 52.58 percent of the votes is widely considered a fraud. The US State Department has regularly issued statements condemning the coup d’état as illegal and unconstitutional. The African Union has issued condemnation of General Aziz. He is the subject of travel bans and the asset freezing. Aziz is directly responsible for lack of reliable election mechanisms, unresolved humanitarian issues, unemployment, slavery, violation of human rights, insecurity and terrorism, even while he publicly decries these very things. In 2007, slavery was declared illegal but since then only one person has been brought to justice. Rather, attempts to end slavery are prosecuted. “Seven anti-slavery activists were arrested in April after burning religious books advocating slavery. When they were tried for threatening state security in June, the court dismissed the case for “incompetence and procedural nullity,” according to the Movement for Justice and Equality in Mauritania. Despite the ruling, the seven remain behind bars,” states The Daily News from Egypt. If he was so against these crimes, why do they continue to run rampant and unabated in Mauritania? Why does law enforcement kowtow to him and persecute those opposed to his regime why his supporters are free to do as they please? Where is the justice this man has promised? The answer to that is, the promised justice has been perverted, subverted and rejected by this man who is more interested in dominating the people of Mauritania than serving them. The Daily News from Egypt reports “The West African country suffers from corruption, drought and an unemployment rate of 30 percent, the third highest in the Arab World after Yemen and Djibouti. Slavery is endemic, with CNN estimating that 10 to 20 percent of the country’s population of 3.5 million live in some form of slavery. In addition, the ethnically African population is increasingly disenfranchised by the ruling Arabic class.” Step down Aziz, now, if you honestly love the country.

His government nothing more than a pack of lies and his regime a dictatorship bent on oppressing the people of Mauritania, it is past time that Ould Abdel Aziz stepped down. His illegal seizure of power in 2008 remains to be addressed honestly. Despite numerous calls from the international community for an honest reckoning, Aziz has rebuffed any attempt to show his illegitimate his government is. His promises of elections “as soon as possible” is a complete joke and is reducing Mauritania to a laughing stock across the globe.

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Australia’s Debt Tops $200 Billion After Government Borrows $100 Million Per Day – Jamie McIntyre

On Friday our nation’s debt went over $200 billion for the first time ever. We borrowed $3.2 billion over the last week.

Our debt ceiling was $75 billion when the current party got into government. On 11 March 2009, “special circumstances” warranted an increase to a “temporary” level of $200 billion. The last budget saw the government increase it permanently to $250 billion.

If we keep borrowing money like we borrowed last week, we might be able to give this latest ceiling a nudge.

This ignorance and recklessness has got to end. Ongoing debt cannot sustain our country’s needs forever.

The government has increased our gross debt by $140 billion since they came to office in November 2007.

Having been in government for 1371 days, they have therefore borrowed over $100 million per day.

With 12.3 million taxpayers in Australia, this government has borrowed an extra $11,000 on behalf of each of them.

Ignorance is not bliss. We need to be asking the real, hard questions – What have we got to show for this debt? Apart from some new school sheds costing $16billion which haven’t improved our children’s education one bit, and batts in roofs to increase the chance of house fires.

Sure stimulus is necessary in a Credit Crisis.

Not blatant waste and mismanagement of tax payers’ money.

By falling further and further into debt, are we really assisting our nation and the future of Australia?

Yours in Health, Wealth & Prosperity,

Jamie McIntyre.

Jamie McIntyre is the founder of the 21st Century Group of companies and CEO of 21st Century Education. He is also author of the bestselling book ‘What I Didn’t Learn At School But Wish I Had’, successful entrepreneur, investor, sought after success coach, internationally renowned speaker and world-leading educator.

In search for a ‘real-life’ education that would teach him the strategies to excel in the 21st Century, Jamie travelled the world meeting and learning from some of the best educators and leaders on the planet. He invested over $100,000 within a 3-year period to access people who had produced outstanding results in different aspects of their lives and studied through seminars, personal mentors, interviewing successful people and researching hundreds of books.

Through this extensive research Jamie was able to completely transform his life in a period of only 3–5 years. From being $150,000 in personal debt, he became a self-made millionaire whilst still in his twenties, founding several companies, massively improving his health and importantly his relationships to live his dream life.

Jamie was able to model and learn from multi-millionaires, entrepreneurs, investors and even highly acclaimed success coaches such as Anthony Robbins, world-renowned economists and presidential advisor Paul Zane Pilzer, leaders such as General Norman Schwarzkopf of Desert Storm, Marketing Guru Jay Abrahams and world leading entrepreneurs such as Sir Richard Branson.

After producing outstanding results in many areas of his life, Jamie decided to fulfill a promise he made to one of his personal mentors, that after successfully transforming his own life, he would pass this education on to others, and so the 21st Century Group was born.

An active philanthropist, Jamie has donated millions of dollars to delivering a 21st Century Education nationwide. He is also the founder of 21st Century Charity which supports charities such as the Australian Red Cross, World Vision, Breast Cancer Network Australia, Make-A-Wish Foundation, Starlight Children’s Foundation Australia, Canteen, Basket Brigade and lots more.

Jamie now resides on the on the Gold Coast, Australia and while he continues to live out his dream lifestyle, he is still extremely passionate about making a ‘21st Century’ education available to everyone worldwide.

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Payroll Taxes Imposed by Greedy State Governments Will Lead to a Continued Loss of Australian Jobs by Jamie McIntyre

State governments impose taxes on companies who employ staff in their state.

The rates vary slightly between each state but generally it’s 4 – 5% tax on top of each employee’s salary above a low threshold, capturing almost all small businesses and larger.

Victoria charges one of the highest rates in the entire country and uses draconian methods to collect the monies, even using tactics to enforce companies to be liable for other companies’ payroll taxes within a group of companies.

Only misguided politicians could think of such a tax to penalise companies employing Australians.

A lot of small businesses only operate on a 0 – 10% profit margin.

Paying 4 – 5% payroll tax on employees in many cases eliminates most of the minimal profits small businesses make.

Combined with the GST most companies incur and can’t pass on, it makes many businesses simply not viable.

Which leads to job losses.

It’s ironic; the unemployment rate is at a similar percentage to the payroll tax rate.

In fact because payroll tax is close to 5% it effectively means it costs 1 in 20 employed people a job, or 5% of the number of employed Australians.

That means if there was no payroll tax, with the money saved, businesses could employ one more person for every 20 employed.

If all the saved payroll tax went into employing extra staff, that would effectively, largely eliminate unemployment.

Many people don’t realise state governments made a promise… they agreed to eliminate payroll taxes, in return for a slice of GST revenues.

Then they lied and reneged on the deal, took the GST money but failed to reduce or eliminate payroll taxes, as promised to tax payers.

Penalising businesses to employ Australians is perhaps the dumbest tax in Australia.

Especially when Australian companies can now easily outsource work to overseas staff via sites such as www.elance.com and www.odesk.com where you can not only hire harder working employees for $3 – $10 an hour, but you pay zero payroll tax.

And you give someone a job who, not only deserves one, but is often higher skilled. In their country the payment is equal to a middleclass salary and enables them to live a life that, until recently, was only a dream.

State governments should be forced to deliver on the GST agreement and eliminate payroll taxes, starting with companies who employ less than 200 staff, which will help solve the high labour costs in Australia; one of our greatest economic threats.

These small to medium businesses employ 70% of Australians and can least afford to pay payroll tax.

I suggest businesses deliberately cap employing more Australians and consider outsourcing work overseas as a protest to state governments to deliver on their promises of payroll tax relief, or suffer the consequences of being the contributor to significant job losses in Australia.

I’ve personally capped the number of Australians I will employ in Australia, especially Victoria. In my companies I’ve approved up to 150 positions to employ oversee contractors, who don’t incur payroll tax and lower the cost of labour.

Some of these jobs would have gone to Australians but due to the greed of state government’s they won’t, and are unlikely to ever return.

In fact the next step for a lot of companies to be globally competitive now and into the future is to effectively cease operating from Australia altogether, or cut back to bare minimum staff here and grow their overseas operations.

Governments need to wake up to the fact we live in a globalised society. Payroll tax simply isn’t competitive. It’s nothing but a rort that only a bureaucrat who’s never earned a dollar in their life could dream up, to take from those who produce.

In my new book I’m about to release, 101 Ways to Improve Australia, I suggest that not only should payroll tax be eliminated, but state governments. They’re not necessary to effectively manage Australia.

(The UK has 60 million people and only two levels of government, whilst Australia has only 22 million people, yet 3 levels, costing significantly more for no extra benefit.)

Such a move would see a whole host of state taxes abolished. They simply wouldn’t be needed because costs of running state governments could be radically reduced without any effect on services (or some would say without any effect on the current lack of service).

If they hope to keep a long-term job in this country, employees in Australia should write to their state governments lobbying for payroll tax to be eliminated.

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Trends Support Australians Want a New Political System and Don’t Like Compulsory Voting by Jamie McIntyre

One fifth of eligible voters, almost 3 million people choose not to vote according to the Financial Review.

It appears the land of compulsory voting is breeding non voters in large numbers.

Australians also have record disapproval ratings for both Gillard and Abbott.

Australia is only one of ten compulsory voting nations.

3 million people didn’t vote, or didn’t vote properly, at the last election in 2010.

1.2 million weren’t on the electoral role, 729,304 voted informally and 955,202 people on the role didn’t vote.

The turnout was the lowest, and informal votes the highest, since the advent of compulsory voting in 1925.

Political Professor, Andrew Hughes says, ” It will be even worse at the next election, which will again make the message against compulsory voting louder and clearer.”

The Government’s plan is to find the 1.5 million not on the electoral role.

Which misses the point that people are against being forced to vote for leaders or parties they simply don’t like.

In the coming fortnight, the Senate will consider a bill that will allow the AEC to use information from other sources – such as Medicare and Centrelink – to track down voters who have changed their personal details and re-enrol them.

Neilsen pollster John Stirton says, ” Voters are unhappy with politics and politicians, and the hung parliament hasn’t helped. The minority nature has damaged the government and it has damaged the system.”

It also shows the majority of voters want a change of leader on both sides.

62% prefer Rudd over Gillard (32%) and 61% prefer Malcolm Turnbull over Abbott (34%).

There appears to be an overriding trend against our political system, with only 60% of respondents supporting Australia’s democracy over other political systems, suggesting an alarming disconnection between voters and the political process that serves them.

Voters don’t seem to want Gillard or Abbott according to high disapproval ratings for both.

Voters want to be rid of Labor, but the huge collapse in Labor’s primary vote to record lows has not resulted in a stampede to the Coalition.

Labor’s primary vote, according to Neilsen Poll, has fallen 12% since the last election and the Coalition only increased 4.5%

The remaining 7.5% has simply been parked with minor parties and ‘don’t knows.’

According to Geoff Kitney of the Financial Review, “Party politics in Australia is now deeply uninspiring. Few bother making the effort to get involved, a turn- off that will be reflected in poorer quality parliaments.

Australia is sleep-walking towards a longterm , systemic disaster.

If the old parties can’t see their deaths approaching, then the time has surely come for someone brave enough to stand up and say we need a new party.”

I agree Australians are more open now than ever to not only a new major political party, ideally down the middle and led by someone like Malcolm Turnbull, but are also open to new political systems such as those proposed by the 21st Century Political System. For example, a system where voters get to vote direct on major policy and the eradication of political parties and compulsory voting.

More from: Trends Support Australians Want a New Political System and Don’t Like Compulsory Voting by Jamie McIntyre - Article: 1757294 at Isnare.com Free Articles
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