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- 12/11

** Tip Of The Day –  New Web Page

** Today in History – Music star dies in Wisconsin plane crash

** Trivia

** Quote of the Day

** Feedback

** Woman in Business – How To Get Instant Cash For Your Business by Kalinda Rose Stevenson

** Grins – The Car Pool

** Publications of Interest

** "Cooking for the Empty Nest" – Avocado potato salad

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New Web Page

Many times when surfing the web, you go to a page and want to go someplace else, but you still want to use information on the first page. Sometimes, when following links, you can get pretty far away from the first page. We all know we can use the forward and back buttons on the top left of the browser, but sometimes that can be a pain.

There is a solution - depress CTRL and the letter "N" at the same time. This opens a new instance of the web page you are on, and you now have two pages open. You can then link to other pages from the one instance and the original page is still there.

Music star dies in Wisconsin plane crash

A plane crash in Madison, Wisconsin, killed soul singer Otis Redding and members of the Bar-Kays band on this day in 1967. The plane crashed into Lake Monona, several miles from the Madison airport.

One survivor, Ben Cauley of the Bar-Kays, later reported that he had been asleep until just before the crash. He saw his friend in the band, Phalon Jones, look out the window of the small plane and exclaim "Oh no!" and, before he knew it, he was in a frigid lake holding onto a seat cushion. The following day, the lake was dragged and the bodies of the victims were recovered. A storm in Madison that day was a factor in the crash but the exact cause was never determined.

Redding was not the only well-known singer to die in a plane crash. In 1959, Buddy Holly, along with the lesser known J.P. "Big Bopper" Richardson and Ritchie Valens, were killed in a crash that is thought to have inspired Don McLean’s well-known song "American Pie." Country singer Patsy Cline died in a 1963 crash. Ten years later, Jim Croce perished in one in Louisiana. Key members of the band Lynyrd Skynyrd died in an accident 1977. Singer John Denver was killed piloting his own plane in 1997.

Four months after his death at the age of 26, Otis Redding’s "(Sittin’ on the) Dock of the Bay," the last song he ever recorded, reached the top spot on the pop music charts. It was his first No. 1 hit.

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- 2/19

How To Get Instant Cash For Your Business
By Kalinda Rose Stevenson

What is the biggest problem facing business owners?   It's simple.  Not enough money.  Money is the lifeblood of business.  The goal of creating a business is to make money, but before you actually make money, you need to spend money.

You need to spend money to get started.   Depending on your business, your start-up costs can range from minimal to enormous.  An internet business doesn't take much to get started.   A brick and mortar business requires substantial capital investment.  Buying a franchise can cost tens of thousands of dollars.  Whatever your business, you need money to get started.  Most businesses start out undercapitalized and never catch up.

You also need money to run the business.  "The cost of doing business" is more than a phrase.   It is a harsh reality.  You have to pay for facilities, personnel, sales, marketing, advertising, supplies, licenses, taxes, fees, and myriad of other expenses.  Most businesses start out anemic and end up bleeding to death.  There is simply not enough money to create a profitable business.

So what do you do?   You can apply for bank loans and venture capital.  You can borrow money from friends and relatives.  You can use your own money.  Each of these methods has advantages and disadvantages.

One of the easiest and most effective ways to get money is to use cash advances on credit cards.  Yes, the interest rates and fees are high.   But it all becomes a matter of economics.   If a cash advance keeps you in business, it buys you time to create a profitable business.

How do you get lines of credit on credit cards?   One of the most important business decisions you can make is to set up a business structure that will allow you to build business credit.

One option is to do business as a sole proprietor.  This is a truly risky proposition, since you are mixing your personal and business finances.   Under a DBA business structure, you cannot build corporate credit apart from your own personal credit.  A failure in the business means a failure in your personal financial life.

A second option is to set up your business as an LLC, with income and expenses offsetting your personal taxes. One great disadvantage of the LLC structure is that you cannot build corporate credit to an LLC because the LLC is simply an extension of your own personal credit.

A third option is to do business under a C corporation.   The huge benefit to having a C corporation is that you can use the federal tax ID of your C corporation to build corporate credit apart from your personal credit.

One of the reasons people are scared off by C corporations is that they think they will be liable to double taxation.  In reality, a C corporation pays taxes only when it is profitable, and even the IRS acknowledges that double taxation rarely occurs.

With lines of credit on corporate credit cards, which are completely separate from your own personal credit, you have immediate access to money when you need it.  The borrowed money buys you time to create a profitable business.

Another great advantage of using lines of credit to finance your business is that borrowed money is not taxable.   You can build your business, with borrowed money, and write off the interest and fees as expenses.  This is yet another tax benefit available to corporations.   Although you cannot deduct interest on consumer credit cards on the personal tax return, you can deduct the cost of business credit card interest and fees on the corporate tax return.   With corporate credit, borrowing money becomes a deductible cost of doing business.

Will the borrowed money cost you money? Sure, cash advances on credit cards cost money.  But the real question is not how much does the money cost, but how much does the borrowed money allow you to make?

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Kalinda Rose Stevenson, Ph.D. FREE "No Money Limits Consumer Guide to Real Estate Investor Training."
http://www.nomoneylimits.com      kalinda@nomoneylimits.com

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   A Little Humor to Start the Week 

Car Pool
=-=-=-=-=

A man learned shortly before quitting time that he had to attend a meeting. He tried unsuccessfully to locate his car pool members to let them know that he would not be leaving with them.

Hastily he scribbled a message to one fellow and left it on his desk: "I have a last minute meeting. Leave without me. Dave."

At 7:00 p.m., the man stopped back at his desk and found this note: "Meet us at the bar and grill across the street. You drove, you idiot."

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The wise old Mother Superior from county Tipperary was dying. The nuns gathered around her bed trying to make her comfortable. They gave her some warm milk to drink, but she refused it.

Then one nun took the glass back to the kitchen. Remembering a bottle of Irish whiskey received as a gift the previous Christmas, she opened and poured a generous amount into the warm milk. Back at Mother Superior's bed, she held the glass to her lips. Mother drank a little, then a little more. Before they knew it, she had drunk the whole glass down to the last drop.

"Mother," the nuns asked with earnest, "Please give us some wisdom before you die".

She raised herself up in bed with a pious look on her face and said, "Don't sell that cow."
 

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Just came across this exercise suggested for older people, to build muscle strength in the arms and shoulders. It seems so easy, so I thought I'd pass it on to some of my friends. The article suggested doing it three days a week.

Begin by standing on a comfortable surface, where you have plenty of room at each side. With a 5-lb potato sack in each hand, extend your arms straight out from your sides and hold them there as long as you can.

Try to reach a full minute, then relax.

Each day, you'll find that you can hold this position for just a bit longer. After a couple of weeks, move up to 10-lb potato sacks.

Then try 50-lb potato sacks and then eventually try to get to where you can lift a 100-lb potato sack in each hand and hold your arm straight for more than a full minute. (I'm at this level)

After you feel confident at that level, put a potato in each of the sacks......

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Riddle

What has a head, a tail, is brown, and has no legs?

Do you know the answer? If not, look for the solution later in this newsletter.

-----

"In order to keep a true perspective of one's importance,
everyone should have a dog that will worship him and a cat that will ignore him."

---

"Cooking for the Empty Nest"
Recipe of the Week
by Susan Kemp

Avocado potato salad
 
2 lb New potatoes; scrubbed
1/4 c Olive oil
1 1/2 tb Red wine vinegar
Salt
1/2 c Sour cream
1/2 c Plain yogurt
2 tb Prepared horseradish
1/4 c Fresh dill sprigs
loosely packed, thick stems removed
3 Celery ribs; strings removed
cut in 1/4" crescents, about 1 cup
2 md Avocados* or 1 lg. avocado
1 tb Lime juice; freshly squeezed
Freshly ground black pepper
 
Choose avocados that are firm, with just a slight give. If the avocado is soft enough to hold an indentation, it's overripe and won't have the rich nutty flavor that you want for this salad.

Bring water to a boil in the bottom of a vegetable steamer.  Cut potatoes in half; place them in the steamer basket.

Cover and steam until they are cooked through, about 20 minutes. Remove the potatoes from the heat and allow them to cool slightly. While potatoes are cooking, whisk oil and vinegar together in a large bowl. Season to taste with salt; set aside. When potatoes are cool enough to handle without burning your fingers, cut them in 1" cubes. Toss them in the oil and vinegar so they are coated well, and set them aside to cool to room temperature, tossing occasionally. In a small bowl, whisk together the sour cream, yogurt and horseradish.  Mince the dill and add it to the sour cream mixture, stirring well. When potatoes have cooled to room temperature, add celery and toss to combine. Then add the sour cream mixture; toss again.

Halve, pit and peel the avocados. Cut them into 1" cubes; place in a small bowl with the lime juice. Toss so the cubes are moistened with the juice. Then add the avocados, with all of the lime juice, to the potatoes; toss gently until they are well distributed and coated with the dressing. Add pepper and additional salt to taste, and either serve immediately or chill for 30 minutes and then serve.

-----

If you have a favorite recipe that you would like to share, please send it to mailto:bob@adv-marketing.com?Subject=RecipesBe sure to read back recipes of the week at:
http://adv-arketing.com/business/frtest.htm and Click on ?Recipe of the Week"

Yours in cooking - Sue

A penny.

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