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Understand that prior to getting your verify from your payday loan, the financial institution will deduct costs. When you take out a loan for one-thousands of bucks, you will not get so much. Every single loan provider has different charges, so ensure you are aware about these in advance.

The most significant suggestion when getting a pay day loan is usually to only borrow what you are able pay back. Rates with payday loans are insane high, and by taking out greater than you can re-shell out from the because of particular date, you will certainly be paying quite a lot in curiosity fees.

Do not let a lender to speak you into using a new personal loan to settle the balance of the earlier debt. You will definately get caught make payment on charges on not simply the 1st bank loan, however the secondly too. They can quickly talk you into accomplishing this time and again until you spend them over 5 times what you got at first lent within just costs.

Should you be considering acquiring a payday advance, ensure that you are performing it for the best explanation. A payday loan ought to only be employed in definite crisis situations, where you know that you may be capable of paying off of the debt quickly. There is not any point in getting that loan, if it will not aid your needs.

If you want a payday loan, but have a bad credit record, you might like to look at a no-fax loan. This sort of bank loan is like some other payday advance, although you will not be required to fax in any files for acceptance. Financing where no papers are participating signifies no credit rating verify, and much better chances that you will be approved.

People who wish to get a payday loan would be best if you exhaust all other possibilities before deciding to achieve this. Pay day loans price an arm along with a lower leg in attention and ought to only be used as a final option. Search for an additional way to get a few bucks initial.

Many individuals have the blunder of trying to close their banking accounts so they can try to escape from paying back the payday advance organization. While this may sound luring, do not do this. The corporation can sue you should you that, and you will probably wind up being dragged via the courtroom and owing much more than you might have should you paid for them back legitimately.

An excellent method of minimizing your costs is, getting anything you can used. This does not only affect autos. This means garments, electronic products, home furniture, and much more. If you are not really acquainted with craigslist and ebay, then utilize it. It’s an excellent area for obtaining exceptional discounts. Should you could require a brand new computer, research Google for “remodeled pcs.” Numerous pcs can be bought for affordable at a high quality. You’d be blown away at how much money you are going to preserve, that helps you pay away from these payday cash loans.

In case you have less-than-perfect credit, a pay day loan might be a great way to get quick funds to use for an unexpected urgent. Cash advance businesses will never manage a credit history verify, but they need to know that you are currently employed or get regular compensation from the trustworthy provider.

Should you must take out a payday loan be sure that the costs is going to be under a overdraft charge. Should you be looking at having numerous bills arriving by means of and no cash, then the pay day loan is better. When it is just one costs, it might be advisable to take the overdraft account fee.

If you are having a tough time deciding if you should utilize a pay day loan, get in touch with a buyer credit rating counselor. These professionals generally work with non-revenue organizations which provide totally free credit rating and financial assistance to consumers. These people can assist you find the right pay day lender, or it could be help you rework your funds so you do not need the borrowed funds.

When applying for a cash advance, make certain that every piece of information you provide is correct. In many cases, things such as your job historical past, and house can be validated. Ensure that all your information is correct. It is possible to avoid receiving declined for your payday advance, allowing you powerless.

Since you are knowledgeable, you should have a greater understanding of whether, or otherwise you will get yourself a payday loan. Use the things you discovered right now. Decide that will advantage the finest. With any luck ,, you are aware of what comes with receiving a payday loan. Make goes based upon your requirements.

Great Part-time Businesses

What is your talent? “A career is born in public – talent in privacy.”,Marilyn Monroe said.

You can even turn your hobbies to full-time businesses. Here you can find some useful hints:

01. AFRICAN VIOLETS. Specialize in the propagation and care of this popular indoor plant. Nurture, hybridize and sell when in
full bloom. Carry accessories, such as pots, shelves and lighting. Keep a small but permanent ad in your local newspaper.

02. ALTERATIONS. Replace buttons, let out cuffs, shorten sleeves, turn collars, repair tears for clothing stores, laundries and cleaner who don’t already offer this service. You can work for them or leave a price poster in their store.

03. ARROWHEADS. Collect, buy, sell and MAKE (with deer horn and clove) Indian arrowheads for hobbyists, displays and demonstrations. Sell instruction and/or information booklets
and do-it-yourself kits. Offer various types of flint.

04. AUTO PARTS REBUILDING. Work with garages and mechanics. Specialize in rebuilding one part (carburetors, master cylinders, electronic ignitions) for one or several makes.
Install kits, ream and/or re-fit and guarantee all of your work.

05. AUTO TOUCH-UP. Repair minor dents, cover rock chips, remove rust, polish, clean tires. Renew rubber and plastic, deodorize to help bring the best price or trade-in. Advertise under
Auto/Trucks For Sale, with a price.

06. AUTO PAWN SHOP. Hold cars as collateral for short-term loans. Hold the title (if clear) or, “buy” the car with a 30 days or so buy-back price agreement or limited power of attorney.
Check laws and obtain legal advice before proceeding!

07. AWNINGS, WINDOW. Design and install permanent and fold-up fabric and or metal awnings for storefronts, patios, house windows, trailers and mobile homes. Offer a selection of aterials, colors and prices. Advertise prices and benefits.

08. BABY DOLLS. Create dolls with fine wigs from client baby’s own baby hair as keepsake dolls. Try to get cloth from baby’s actual clothes to make similar looking outfits for the doll
(work from a picture if possible). Put in glass case.

09. BARBEQUE. Use a portable (such as trailer) meat smoker to take to fairs, parades and festivals. Have a supply of prepared
sandwiches ready, but always have a fire AND AROMA (throw in a little suet or sauce) going to attract more business.

10. BELT BUCKLES. Stock a selection of belt buckles for truckers, workers, etc. Have special designs and insignias made for local groups. Arrange to offer good prices on leather belts
as well (import some to sell at attractive prices).

11. BENCH RENTALS. Build bus-stop style benches and with city permission, place them free of cost to the city at various bus-stops. Pay a sign painter to apply advertisements for
clients who pay you by the month for the ads and space.

12. BIRD TRAINING TAPES. Make endless or auto-reverse tapes to teach bird to talk, whistle or sing. Sell or rent the necessary equipment to mount in or near cages. Charge extra to record the
bird owner’s own voice giving the instructions on tape.

13. BIRDHOUSE BUILDING. Build and decorate fine, scientifically designed birdhouses and feeders for birds native to your area as well as those that migrate to or through your area. Make up
little info folders for each model.

14. BIRTHDAY LISTS. Compile birthday (anniversary, etc.) of people in your area to rent as mailing lists to local merchants.
Or, contract to mail out cards each year on behalf of the merchants. Have a set minimum, as $25 for 50 mailings.

15. BREAD SPECIALTIES. Bake unusual or otherwise unavailable varieties of home made breads: oat bran, low calorie, ethnic, salt free. Keep a small ad in paper, take orders for loaves
fresh from your kitchen and/or deliver fresh to stores.

16. BRONZING. Bronze (or pearlize) baby shoes etc. Make mementos, awards and trophies. Design plaques and unique bases with emphasis on local needs such as Chamber of Commerce of company awards. Arrange for engraved plates on plaques.

17. BRUSH CLEARING. With you truck, tractor and shredder,contract to clear brush and small trees from lots and acreage.
Haul off excess debris or use a composter to recycle and sell organic refuse. Offer to drag or level the cleared area.

18. BUSINESS EQUIPMENT. Buy surplus equipment from bankruptcy sales and auctions. Store and clean-up, but do not repair (let buyer do that). Advertise bargain prices for qualified buyers
and sell at double or triple your investment.

19. CEMENT BLOCKS. Mold small orders of standard or custom blocks (building, stepping stones, curbs) in all shapes and colors. Make molds when necessary of plywood and tin. Take orders, sell form your “yard” and through nurseries.

20. TRUCK LETTERING. Use pre-cut, self-stick vinyl letters to produce long lasting, professional truck signs (no art talent
required). Use chalk snap lines to mark lines and center, peel and press in place. Stock and offer a variety of letters.

21. CEMENT MARKERS. Make “engraved” cement or liquid marble markers and signs. Mold “backwards” letters into various colors and textures of plastic-like cement for carved in effect. Polish
molded marker into a professional looking stone.

22. CHAIR CANING. Use cane, plastic or other interesting materials to weave seats and backs onto casual and picturesque chairs for clients. Buy old chairs with promise at bargain prices to re-glue, refinish, re-cane and sell at a profit.

23. CHINA AND GLASS DEALER. Collect and deal in antique and interesting china and glass items. Buy at auctions, antique stores, private and public sales and through your advertisements. Deduct travel expenses for buying trips and
visits.

24. CITY LOT CLEAN-UP. Work with the city to learn of lots that must be cleaned up. Contract to do the required work on lots they designate (city adds bill to owner’s taxes). Contact
absentee (or local) owners to avoid future city actions.

25. CLIENT LISTINGS. On your computer, input and maintain customer (or business) information: customer info, purchases, credit records, employee information, etc. Provide periodic and
custom sorts (including mailing lists) to clients.

26. COLLECTION AGENT. Represent one or more commercial agencies (don’t tell one about another, though). Solicit delinquent
accounts for collection from local businesses for a percentage of monies the agencies collect.

27. COIN SEARCHING. Buy rolls of coins from banks (whatever denomination you can afford). Search through them for coins worth over face value. Keep all of these and replace with
“regular’ coins and trade back in. Best in small towns!

28. COLLECTIONS. Accumulate collectibles (glass, matchbook, baseball cards, comic books). Make up (from common specimens) starter collections to sell to beginners. Sell valuable pieces
individually to collectors (some you got started).

29. CONCESSION BOOTH. Operate a booth or stand at a recreation area, flea market, shopping mall or parking lot. Sell your own products and/or consignment items. Carry some attractively
priced items just to attract more customers.

30. CURB PAINTING. With a stencil and fast-dry black spray paint house numbers on all curbs in a city block then go back and request a $2-$5 “donation” from occupants. Pass out circulars the day before announcing your service.

The most important hint is ‘take action’. Go, promote and publish your businesses worldwide wherever possible.

Join large online seller sites such as Etsy to sell your hobbies and goods.

Create your own shop and get 40 free listings at etsy. Click my invitation link. Good luck!

Guatemala Pensionado Permanent Residency Program

Introduction Guatemala is offering a Pensionado program. This is a permanent residency allowing one to live in Guatemala for the rest of their life. The Pensionado receives a Cedulla which is a national identity card that would allow the person to open a bank account in Guatemala without showing the passport from their home country. The Cedulla is a high tech digital ID card. The identity card can reflect a lawful name modification for additional banking privacy. With the Cedulla one can travel without a passport to five other central american countries, off the grid so to speak.

Time Frame The process takes approximately 2-4 weeks, so three weeks is a fair approximation of the time frame. One does have to be in Guatemala during the process. Five Star hotels run about $100 to $145 a night depending on the season. It is possible to stay in Antigua, Guatemala which is a lovely resort community (google Antigua Guatemala). A large steak dinner in a five star restaurant is about $20. You will find things cheap here.

Fee The complete fees are $8,000 for one person, $9500 for a couple. Each child is an extra $1000. Children must be under 18 years old. All fees are paid at the start of the application. Fees can be paid by cash or wire transfer. We do not take checks because they take longer to clear (30 days) than the program requires to complete.

Pensionado Economic Requirements The program is for retired or disabled people. There is no age restriction. One does have to show financial responsibility. An income of $1000 a month is needed. This is $1250 for a married couple. This is so stated in a declaration to the government. The income is proven with bank statements, stock broker statements etc. Income can be private sourced from investments, rental properties etc. It is a good idea to also present gold and platinum Visa cards as additional support for financial independence. You will not have permission to work as an employee for others. You can be self employed in your own business.

Guatemala Taxes Guatemala does NOT tax offshore derived income. Money coming in from outside of Guatemala is NOT taxed. Your pension, investments etc from outside of Guatemala are not taxed. If you had a shoe store in Guatemala you would pay taxes. There is a VAT of 15% on some goods. A plasma TV costs a few hundred dollars more than in USA. USA cars are about same price without the discounts which are better in USA. European and Asian cars are higher priced. Solid wood furniture is far cheaper than in USA and better quality.

Official Documents Needed One needs their passport, birth certificate and marriage license if married. If possible marriage license and birth certificate should be the more modern variety with seals etc.

Language Requirement None. You do not have to speak Spanish. It is a great idea to start taking spanish lessons ASAP when here or before. There are a number of computer programs that are excellent. Rosetta Stone is popular. We do advocate learning the language. Our law firm and staff all speak English well. The better hotels and restaurants will have English speakers. Most of the Doctors speak English. Many establishments do not speak English as well.

Rights in Guatemala You have the rights of a citizen except you cannot vote and cannot get a passport. As a Pensionado you are not supposed to seek work as an employee for others. This is not the purpose of the program. You can own property, start businesses, own corporations, have bank accounts, get mortgages etc.

Time to Become a Citizen The normal time is five years. After you are a resident for three years to can apply to have the residency time shortened to three years from the normal five years. Only citizens can have passports, not residents.

Cross Border Travel as a Resident There is a Free Border Treaty in Central America. With a Guatemala Residency ID card you can travel by land or boat into the following countries without any passport needed: Mexico, Nicaragua, El Salvador, Honduras and Belize. Costa Rica has signed the treaty but is known for not honoring it so don’t count on them. If you go by commercial airline you will need a passport. Your home country will not know where you are since the passport is not being swiped. You will not be able to open bank accounts in the other countries by just showing your national identity card (Cedulla), just Guatemala.

Name Change What can be done is the maiden name of your mother can be added onto your resident ID (Cedulla) as a third name. If you were Daniel Boone now and your mother maiden name was Smith you could now be Daniel Boone Smith. This is a lawful and customary practice in Latin America but of course optional. Now when you open your bank account in Guatemala it will be in name of Daniel Boone Smith and not reference your home country in the records. No lies and nothing illegal yet this allows you to fall through the cracks.

Guatemala Banking As a Pensionado resident in Guatemala you can have a bank account in Guatemala without showing a passport or any ID from your home country. NO passport needed. What can be done is the maiden name of your mother can be added onto your resident ID (Cedulla) as a third name. If you were Daniel Boone now and your mother maiden name was Smith you could now be Daniel Boone Smith. This is a lawful and customary practice in Latin America but of course optional.

Now when you open your bank account in Guatemala it will be in name of Daniel Boone Smith and not reference your home country in the records. No lies and nothing illegal yet this allows you to fall through the cracks. Guatemala has NO tax treaties for information sharing with any country. There will be no sharing of any banking information for tax reasons (any sort of tax or tax related case). Guatemala has no Mutual Legal Assistance Treaty (MLAT) with the USA, Canada, UK or EU Countries. This means sharing of information for criminal cases will be difficult.

Other Countries Pensionado Residency Programs – With the Panama Pensionado program there is a zero chance of ever opening a bank account without showing your home country passport. We know people who have tried this with a number of Panama Banks. The Panama banks are not allowed to take the pensionado ID or even a permanent residency ID to open a bank account. The cell phone companies in Panama will not open an account without one showing a home country passport no matter what sort of Panama permanent residency they have. All the panama residency programs, permanent, pensionado or otherwise, are nothing more than long term tourist visa, period. Panama residency ID’s of any sort do not allow for any cross border travel without a passport.There are very few Pensionado programs in the world today. There are residency programs. They usually take about six months to process a residency and one needs to remain in the country during this period of time.

Does One Live Free in Guatemala ? Oh think of it like the USA in the 1950’s. The police cannot come into your home without a search warrant. None of this “I heard a cry for help” garbage. Warrants from the patrol car radio are not happening. The police will need evidence of a violation of law to get a warrant. We did not say probable cause as in a reasonable person would deduct blah blah blah, that is USA not Guatemala. Not a common thing to see a search warrant issued here. If the police stop your car you can refuse to let them search it. You can also call your lawyer and wait until the lawyer comes and then the search proceeds, your choice. The police will generally be polite and a request to search a car would be like when there is an emergency and a roadblock scenario to catch fleeing felons who were shooting at police or something drastic. Not a common thing.

We have a kind of police called Transito. Traffic cops is what they are. They have no guns. They have cool yellow green uniforms with white helmets like Bermuda Police. They can only do traffic or auto equipment violations. Normally they will have a side of the road setup and look at cars to make sure they have a current sticker. They will check trucks to see if their loads are secure or not. When pulled they ask for driver license to make sure it is current. None of this – “where are you going, can I look in your trunk, do you have any weapons, have anything I should know about”. None of this happens with a traffic stop. If you do get a ticket just send your lawyer down to appear for you and pay fine. No point system. Very rare to ever see radar and never saw laser yet in Guatemala. People don’t even bother with radar detectors. Never saw any speed or red light cameras. They do offer parking tickets for parking violations and they can be generous in this area in some locations. Tickets are cheap, relax. Some towns like Antigua boot cars. Never park illegally in Antigua they love parking enforcement. Antigua has a special tourist police force that are on almost every corner when it is busy. They often speak English and you will find them very polite and eager to help. If you say you want leather belts they will even tell you where such a store that sells that is located.

The regular Guatemala police are called the black police (policia negro) because their cars and uniforms are black. They have guns. They do not work traffic and cannot pull you for traffic reasons. They are crime fighters only. They generally ignore you. The police will probably never show if you call them to come to your house or if they did it would take a lot of time. I never knew anyone to have their house robbed. We live in gated communities with armed guards. We have alarm systems. When the alarm goes off two ex military guys from the alarm company on a motorcycle come with guns. Often in about five minutes. One hides behind cover and the other walks around to see what is up. They have body armor and are serious fellows. So you have the armed guards in the community, some sort of fence, the alarm and now the alarm guards show up. Never knew anyone to have his home robbed.

The lawyers and court system does not work in a harassing way like in USA. This is not a society that likes lawsuits. Lawyers do a lot of contracts, real estate law, family law, criminal law but not a lot of civil litigation. If you go about your business and do not bother other people, no one will be bothering you. People here do not go out and start trouble with their lawyers like up north. People will tend to settle their differences more sanely here than the USA. That being said never ever sign any real estate agreement or any contract without a lawyer to review it. I think this rule applies anywhere. The freedom here is very noticeable.

Firearms A resident can apply for permission to own and carry concealed firearms. Assault weapons are not allowed to be purchased now which means no centerfire rifles under a current law which is going to expire in a few months and will most likely not be renewed, as a political guess. There are some already registered assault rifles that could transfer but would have to be kept in the home only, no carrying. They will be hard to find and most likely in .223 caliber.

You can have handguns in any common caliber and 12 ga. Shotguns in semi-auto, pump, double barreled etc. Glocks, CZ, Beretta, Sig Sauer, Walther, Jerico, and Bull are the popular quality handgun brands. Mossberg and Remington are popular shotgun brands. Franchi makes a 14″ pump in 12 ga that is sold as a regular shotgun and can be included on a carry permit, legal and nice for the car. One can get plastic shoulder stocks for some glock pistols and Jerico pistols. The stocks are not a restricted or controlled item. This is called a short barreled rifle in some countries. The most popular handgun calibers are 9mm and .40 but there are a lot of 45acp., .380, and .22 pistols available. Anyone who thinks they cannot defend themselves adequately with a Berretta or Glock handgun and a 12 ga pump shotgun in an urban environment does not know what they are talking about, end of story.

A person is only allowed to purchase 700 rounds of ammunition per month for each gun owned, range ammo excluded. Most manage without shedding any tears. Importing guns is a possibility but they are never going to consider more than two guns being imported. A forty two gun collection is either an arsenal or a store to the customs officials, forget it. Same with your 35,000 rounds of ammo. We have quality shotgun ammo and premium Magtech, handgun ammo in the gun stores. The gun and ammo variety in the USA is not here but we have anything you need for functional self-defense. No handloading. That is considered an ammunition manufacturing facility in most Latin America countries.

One can own an unlimited amount of firearms in their home. Each firearm has a title certificate for it similar to a car title. A person can only have 12 weapons included on their carry license. Rotating guns on the license is possible but a big pain in the neck, ill advised. There are at least 18 gun stores in Guatemala City and the suburbs. There are a lot of guns in Guatemala. We have 100,000 security guards most with a Mossberg 12 ga maverick pistol grip or a .38 caliber revolver. We keep our homes, communities, stores, malls, restaurants safe that way. It does not let the criminals take root.

This paragraph is so extensive because a lot of people are escaping police states and gun ownership is a cherished right and we applaud and support this right. On the other hand no law says you have to own a gun and many people do not own guns. Guatemala is a free country and we do not impose our will on people.

Knives and Edged Weapons Many people carry machetes on their belts, usually in the countryside. Can be startling at first since it looks like a sword. They use them to work on the land. A single edged folding knife with a blade of 3.9″ or less can be carried in a pocket or on the belt in an urban area but is not restricted in the country. There are no size restrictions in the code for non-folding knives. There is a prohibition against automatic knifes, stilettos (not sure of legal definition) and daggers (again not sure of legal definition). If you ask where assisted folders etc stand the answer is we do not know. Could be construed as an automatic or not? Same for flippers. Laws not defined clearly. Generally speaking knives are not considered a prohibited item and enforcement is not tight, but follow the law. This section was included because many of our clients are escaping from oppressive police states and their rights are very important to them and thus to us as well.

Drivers License Of course you can have a driver license as a resident. It is a bit bureaucratic and some red tape. You can drive on your home country license for some time while you adjust into your new home.

Health Care You will find the health care better than North America and Europe. The Doctors almost always have English. The staff is three times nicer than what you’d expect. The hospitals are cleaner and far cheaper. A hospital suite is about $165 a day in an expensive neighborhood. Pharmacies generally do not require a prescription and drug prices are about one third of the USA price.

Pharmacies deliver, many round the clock. Doctors make house calls for $25 to $30. Dentists are about 25% of the USA price and are very good. Veterinarians also make house calls for same price and are excellent. If the pet needs to go into for x-rays etc they transport for you. Without the oppressive prescription laws you can treat a lot of pet infections yourself by just buying the drugs or the pet store will help you out. We have a lot of homeopathy practitioners. There are chiropractors and naturopaths. There are some health food stores and organic food is becoming more and more available. Plastic surgery is popular and affordable. In a word health care way more affordable and better.

Real Estate We live far better than North Americans or Europeans imagine. Most of our single family detached homes are at least 500 sq. meters. A sq. meter is 10.75 sq. feet. Most housing that is top drawer will run $900 to $1100 a sq. meter. In the countryside real estate prices are lower. The more rural the lower it gets. It is common to see homes of 800 to 1000 sq. meters. Hacienda homes will run up to 1800 sq. meters. For a perspective one can get a 3000 sq. foot (not meter) executive townhouse in a gated community with armed guards new for $200,000 with fenced yard, garage etc. Check out a community called Antigua, Guatemala in google. You can get a great townhouse there for $150,000 a beautiful patio home $250,000 to $350,000.

Beaches We have beaches on the Pacific and Caribbean. Simple but acceptable beach homes can be had for $100,000 to $150,000. The Pacific beaches are about ninety minutes from Guatemala City. Beaches are warm and humid.

Weather Guatemala is at about 5000 foot altitude. It is 55 to 75 degrees year round. Homes have no air conditioners or heaters. Think of savings on utility bills. We do use fans, usually ceiling fans. It never snows except on the very top of the volcanoes. Warning: Do not bring ice skates, they will rust.

Schools There are a number of k-12 private schools. They are generally bi-lingual english and Spanish. The schools have campuses with playgrounds etc. They are far nicer than USA schools and the teacher student ratio is much lower. Costs vary from school to school but will be a fraction of USA price.

Domestic Help A live in maid runs $175 a month plus you feed them and supply uniforms. A gardner handyman can run $400 a month if you need one every day. A driver would run $500 a month live in. A nanny for the kids would run about $225 a month live in. Elderly folks can hire two maids and a driver and avoid going to a rest home. There are always two servants on premises and they can go on car trips, to the doctor, shopping, beauty parlor etc. They do not have to clean, cook or drive. Beats the heck out of the alternative.

Food The food is close to organic or free range meat. Prices are a fraction of USA prices and quality is wonderful. Numerous fruits priced so low almost for free. All kinds of vegetables, breads, juices etc. The food is Central American style not Mexican so it is not very spicy. We have restaurants offering anything you could want including: French, Greek, Italian, Steaks, Chops and Ribs, Mexican, Chinese, Japanese. Middle Eastern, German and much more.

Internet We have 1 meg DSL and cable connections available.

Cell Phones We have great cell phones, 3G etc.

How to start Call, email or Skype us. We will create an immigration case file for you. We will have you send us scans of the documents required for review by one of our lawyers. If the documents are not in order we will have you correct them before coming since it is much cheaper and easier this way. Next after the documents are in order you will need to schedule a trip to Guatemala. The hotels will send a shuttle bus to pick you up at the airport. We will have one of our English speaking drivers collect you from the hotel and take you to our executive offices to begin. A bi-lingual associate from the law firm will accompany you to all the needed visits to government offices for fingerprinting, signatures, photos etc. You never go to government offices yourself. We do require a $1000 deposit in order to open a file and begin the work. This fee is 100% applied to the Pensionado fee. It is not an additional fee. This is paid by wire transfer.

1. First you fill out an online order form. Click Here
2. Next you send us scan of passports of all parties applying (husband, wife kids, etc). These are sent in an email as a file attachment to .
3. Then we will forward wire instructions to you. We do need to have the $1000 fee paid before we can schedule an appointment. You can pay the remaining fee when here in cash or by wire transfer. You could also elect to pay the whole fee before coming as many immigration clients do for convenience.
4. Then you come to Guatemala.When you come for your appointment you remain here and process for the Pensionado. Figure about three weeks. You will not be busy every day so there will be time for sightseeing. We have beaches, Mayan Ruins, Volcanoes to hike up and there is always Antigua. One could always drive over to a nice white sand beach, all inclusive hotel in El Salvador like the Decameron with a three and a half hour drive time. In about four hours you can be in Mexico where there is a lot of cheap shopping. In any event many of our clients just enjoy a nice rest hanging around the swimming pool at one of our many five star resorts. Warning Our food, beverages and wines are so good here do not even think about dieting.

Hauling Hazardous Materials Can Affect Your Dump Truck Insurance Rates

Getting the ideal insurance shows an important point for any business attempting to save their best interests. For a development venture or a private business providing entirely the services of a dump trucking, the insurance opportunities there can fluctuate depending on the information you give to the insurance agencies. Bear in mind the following criteria during your dump truck insurance search to help in cutting down insurance prices and guaranteeing you benefit from the ideal insurance policy for your company.

Description of Operators

Knowing the people who will be using your trucks can commonly benefit in reducing your insurance premiums. When a person has a reckless driving history, it will reflect an enhanced risk to the insurance company, leading them to increase your costs as a result of the increased potential of accidents. Utilizing drivers with clean driving backgrounds to be reported on the insurance policy will really benefit in controlling those costs and reducing your risk level.

The road expertise of the truck drivers makes yet another major subject. Certain dump truck insurance companies will not insurance any operator with fewer than two years of CDL experience. If you have drivers with short experience your options of truck insurance insurers will also be limited, hence the price options will be limited as well.

Age of the driver is also essential. Drivers less than 25 years of age will produce a surcharging to your policy. Unless imperative, make sure your future employees are above age 24 years.

Dump Trucks Profiles

Dump trucks number of axles and weight are significant in deciding the insurance prices, and perhaps other legal filing prerequisites. Heavier duty trucks, with higher GVW and more axles mean higher insurance prices.

It may appear like common sense to report your vehicles into the dump truck insurance policy, but there are simple errors many business owners may cause that can typically lead to rescinding a policy by the insurance carrier. It is essential when providing information related to your trucks details that you are one hundred percent right in order to avoid any errors. Errors on vehicle identification numbers, weight, and body type, can all bring on the voiding of your trucking policy, which could be demoralizing for a business in the event of an at fault accident.

Nature of Your Cargo

Most businesses have a very specific lines of business of what their business will use dump trucks for. Even trucking-for-hire organizations which provide dump truck services have expertise of what their limitations may be in relation to cargo. As fas as dump truck insurance, the more hazardous or dangerous the material you carry, the larger the premiums are for your establishment. One more time, exactness is important to be certain you have the right protection for the material you are hauling in the unfortunate occasion of an accident.

Where Will You be Traveling Too?

How Can You Become a Justine Consultant and Work Flexible Hours

As a leading South African direct-selling company, Justine gives thousands of women the opportunity to start and run their own home based businesses and determine their own incomes. Their beauty products are specially developed for the South African customer for the harsh African weather conditions.

Justine South Africa merged offices with Avon and work on more or less the same principles, although Justine is proudly South African. As a widely known and used beauty and skincare product for the people nationwide, relationships between consultants and customers evolve to where the needs of the customer gets thoroughly understood.

So why would you want to become a Justine consultant?

There are many reasons to this question but the most attractive is the flexible hours and flexible income. Once you become a consultant you are your own boss, but yet you are not on your own when you get stuck, you will receive plenty of help from your business leader and sales manager to help you with ideas to grow your business. Should you need skincare training of the products, no problem, you will receive this for free.

What are the other benefits?

Working for yourself with flexible hours, it’s usually the case that the more you work the more you get paid, however, with network marketing opportunities like this, it’s working smart that counts and not always just working hard. Every category of products you sell, you receive a percentage of commission. On all skincare products you sell, you get 25% commission, that’s R250 for every R1000 order.

Justine’s products are of the highest quality and once you show someone the brochure, chances are they will place an order with you. The brochure and sales material are designed to show the products off and to help the customers decide what they need for their skin texture. The products basically sell themselves.

Your growth in this business is not restricted to only becoming a consultant, after 3 months of being a consultant you can apply to become a business leader. You will then be invited for an interview and after all is done and said you will be able to recruit consultants in your own network.

This is how you leverage your time, you help other people buy at discount or sell with commission the products they learned to love. You help them just as you have been helped and in turn you get compensated for up to 13.5% of their total sales. Let’s look at this example, if you have 50 people in your team and they average sales of R1000 each, that’s R50000 in sales and you get 13.5% commission which totals to R6750 per month commission for you.

So how do you become a Justine Consultant? Find a Justine Business Leader who have found success themselves and ask them to instate you as a consultant. The business leader will answer all the questions you may have and help you get started on your way to success.

Home Based Business Deductions Deducting Use of Your Home Guide

Deducting Business Use of Your Home

By: Houston, TX CPA Jim Trippon, on the web at CPAHoustonTX.com

To deduct expenses related to the part of your home used for business, you must meet specific requirements. Even then, your deduction may be limited. For help reporting business use off your home on your tax return, it is wise to hire an experienced professional such as a member of our Houston CPA firm team at CPAHoustonTX.com. Here is a summary of the rules.

Deductions for Business Use of Your Home – Introduction

To qualify to claim expenses for business use of your home, you must meet the following tests.

* Your use of the business part of your home must be:
1. Exclusive (however, see Exceptions to exclusive use , later),
2. Regular,
3. For your business, and
* The business part of your home must be one of the following:
1. Your principal place of business (defined later),
2. A place where you meet or deal with patients, clients, or customers in the normal course of your business, or
3. A separate structure (not attached to your home) you use in connection with your business.

Exclusive use. To qualify under the exclusive use test, you must use a specific area of your home only for your trade or business. The area used for business can be a room or other separately identifiable space. The space does not need to be marked off by a permanent partition.

You do not meet the requirements of the exclusive use test if you use the area in question both for business and for personal purposes.

Example.

You are an attorney and use a den in your home to write legal briefs and prepare clients’ tax returns. Your family also uses the den for recreation. The den is not used exclusively in your profession, so you cannot claim a business deduction for its use.

Exceptions to exclusive use. You do not have to meet the exclusive use test if you use part of your home in either of the following ways.

1. For the storage of inventory or product samples.
2. As a daycare facility.

For an explanation of these exceptions, hire an experienced professional such as a member of our Houston CPA firm team at CPAHoustonTX.com.

Regular use. To qualify under the regular use test, you must use a specific area of your home for business on a continuing basis. You do not meet the test if your business use of the area is only occasional or incidental, even if you do not use that area for any other purpose.

Principal place of business. You can have more than one business location, including your home, for a single trade or business. To qualify to deduct the expenses for the business use of your home under the principal place of business test, your home must be your principal place of business for that business. To determine your principal place of business, you must consider all the facts and circumstances.

Your home office will qualify as your principal place of business for deducting expenses for its use if you meet the following requirements.

* You use it exclusively and regularly for administrative or management activities of your business.
* You have no other fixed location where you conduct substantial administrative or management activities of your business.

Alternatively, if you use your home exclusively and regularly for your business, but your home office does not qualify as your principal place of business based on the previous rules, you determine your principal place of business based on the following factors.

* The relative importance of the activities performed at each location.
* If the relative importance factor does not determine your principal place of business, you can also consider the time spent at each location.

If, after considering your business locations, your home cannot be identified as your principal place of business, you cannot deduct home office expenses. However, for other ways to qualify to deduct home office expenses, hire an experienced professional such as a member of our Houston CPA firm team at CPAHoustonTX.com.

Deduction limit. If your gross income from the business use of your home equals or exceeds your total business expenses (including depreciation), you can deduct all your business expenses related to the use of your home. If your gross income from the business use is less than your total business expenses, your deduction for certain expenses for the business use of your home is limited.

Your deduction of otherwise nondeductible expenses, such as insurance, utilities, and depreciation (with depreciation taken last), allocable to the business is limited to the gross income from the business use of your home minus the sum of the following.

1. The business part of expenses you could deduct even if you did not use your home for business (such as mortgage interest, real estate taxes, and casualty and theft losses that are allowable as itemized deductions on Schedule A (Form 1040)).
2. The business expenses that relate to the business activity in the home (for example, business phone, supplies, and depreciation on equipment), but not to the use of the home itself.

Do not include in (2) above your deduction for one-half of your self-employment tax. Use Form 8829, Expenses for Business Use of Your Home, to figure your deduction. More information. For more information on deducting expenses for the business use of your home, hire an experienced professional such as a member of our Houston CPA firm team at CPAHoustonTX.com.