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Category: Digest (Page 5 of 8)

2008 RRSP tips for Canadian

1) Start early and invest regularly
Regular investing puts the power of compound growth on your side. And the earlier you start, the more you may have in the future.
2) Reduce taxes today
RRSPs are designed to help build your financial future and the contributions have the added benefit of being tax deductible. By making RRSP contributions on every pay day, you can take advantage of potential and immediate tax savings – by asking your employer to deduct less tax off your paycheque.
I recommend TaxCut by H&R Block
to prepare your 2007 tax return for USA residents.
3) Think global
As Canada makes up only about 4% of global stock market capitalization1, global investments can play an important role in reducing risk and increasing return potential. A portfolio made up of several types of investments from different countries may be stronger over the long term – and less exposed to risk – than one that’s invested in a single country, asset class or type of investment. That’s why a sensible approach for most investors is a globally diversified portfolio that includes Canadian and international stocks, combined with fixed income investments.
4) Consider an asset mix strategy
It is important to have the right asset mix as studies show that asset allocation is the key driver of a portfolio’s performance. 2 Typically, as you get closer to retirement your mix should become more conservative to emphasize asset preservation over growth. Conversely, younger investors with more time before retirement can afford to be more aggressive in their approach.

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7 sites teach you how to type

To learn typing is a small step for some people. I learned it in two weeks and know how to use my ten fingers. But for someone, it is tooooo difficult to use all ten fingers. They just use the index one, like my elder daughter, Grace.
Now I want to introduce these seven sites can help you. And also I would like let Grace try every each site. Let her choose the one suitable for 7 years old kids. – A 10-step typing tutorial program that teaches you more finger placements in each lesson, and then tests you on them. When you’re all done there is a speed test to see how you improved. – Has over 27 lessons, offers 18 different keyboard layouts and is available in multiple languages. – Offers a typing test to test where you are skill wise, and besides teaching just the QWERTY keyboard setup, they also offer AZERTY and Dvorak layouts. Also has lessons for kids as it’s never too early to start learning to type. – Okay, so maybe typing sites aren’t all fancy with rounded corner logos, or gradient images, but did you come to look at the pretty, or to learn to type? This site focuses on QWERTY and Dvorak keyboard layouts. – While the site has a very 1990’s feel to it, the site explains this is on purpose so as not to distract you from the purpose of the site which is to teach. Teaches you all th rudimentary skills you need to get started on the road to being a better typist.

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Who is home

Based on the article of Time magazine, Canadian edition, who’s home.
In US, large families are vanishing: only 10% of U.S. households have five or more people. In 1970, 21% did.
One third of households have just two people( that includes older couples whose children are grown.)
More than 37 milliion Americans are older than 65. Among those 65 to 74, 1 in 4 is still working.
In the household which is married couples with children. 64% are both parents work, 30% are husban works only, 4% are wife works only.
In the household which is single parents, say single mother, 62% working, 15% not working. For single father, 21% working, 2% not working.
Let’s see more data.
There are 24.2 milliion households which are married couples with children under 18.
8 million – unmarried, no children.
31.4 millioin – married couples, no children at home.
11 million – unmarried, with children under 18.
37 million – nonfamily households, a person living alone, unrelated people living together or people in group settings.

Tax Decuctions you may Overlook

These Deductions are only work on the Blogger, like you or me.
Don’t get caught leaving money on the table. Here’s a list of potential deductions that you might have overlooked. Consider:
1. Monthly Hosting Fees or Annual Hosting Plan.
2. Annual Domain Costs, say $8 each per year
3. Design/Logo Fees
4. Internet access fees – this clearly includes DSL, Cable or dial-up, but don’t forget charges that you might pay away from your home or office such as wi-fi charges in Internet cafes
5. Paid blogging platform charges (such as Typepad monthly charges or add ons through WordPress)
6. Cell phone usage
7. Long distance usage related to your blog – remember that the IRS will not allow you to deduct the cost of your primary land line but you may deduct long distance charges
8. Second phone line for business or fax
9. Design or word processing software – this includes Photoshop, Illustrator, Word and similar programs for business use
10. Computers
11. Keyboards, mice and other periphery
12. Web cameras
13. Digital cameras – and memory cards
14. Film processing for traditional cameras
15. Costs paid to use or reproduce images
16. Downloaded music or other audio
17. Blackberry, Treo, iPhone charges
18. Business cards
19. Headshots for web site or promotional materials
20. Letterhead – remember that printed materials not be professionally printed to be deductible!
21. Promotional stickers and items – Frisbees, magnets, etc.
22. Web advertising – text and banner ads including AdWords,
23. SEO services,
24. Paid site submissions
25. Prizes for giveaways and contests
26. Postage – it’s impossible to keep track of every single stamp that you use in your business, so buy a sheet or two and keep them in a folder just for business use
27. Post box fees – I recommend this if you’re working from home, it looks professional, it’s inexpensive and it keeps sales people from showing up on your doorstep late at night
28. Transportation – this includes mileage for car transportation, train and bus fare for public transit, cab fare, airline tickets, so keep a good transportation log is better way.
29. Dining while away on business
30. Hotel charges for overnight conventions and business travel
31. Entertainment for clients
32. Professional advice (from lawyers, accountants and tax preparers)
33. Tax software, like Quicken Tax
34. Accounting software
35. Copy paper, memo pads, photo paper
36. Office supplies – pens, folders and post-its can add up!
37. Books, magazines and subscriptions
38. Professional affiliation and membership dues
39. Professional informational sites (like imdbPro)
40. Paid research sites (like LEXIS/NEXIS)
41. Trademark fees and related costs
42. Conference fees – such as for BlogHer and BlogExpo
43. Promotional sponsorships – golf holes at tournaments, that sort of thing
44. Charitable donations – limited to the cost of the production, not the FMV of the final product (in other words, if you blog about quilts and you donate a quilt, your deduction is limited to the cost of the quilt materials, not the FMV of the quilt)
45. Backup tapes
46. Zip drives
It is not easy to track every each item above. I always recommend that you can make a clear list and prepare some record paper to log each one by your pencil.
(The list are based on the 46 Tax Deductions that Bloggers Often Overlook)

eWeek Channel Products of the Year for 2006

The special report on eWeek, Vol. 24, No.19.
Let me post part of the list of these channel product for you and me. Just for reference.
Collabration Software: Microsoft Office Outlook 2007
Databases: Microsoft SQL Server 2005 Compact Edition
Desktop PCs: HP Compaq dc7700 Business PC
Disaster recovery/backup: Symantec Backup Exec 11
Disk storage: HP StorageWorks All-in-one storage system
Displays: ViewSonic VG2230wm Widescreen Graphic Series LCD Display
ERP suites: MySAP
Notebooks: Lenovo ThinkPad X60 Tablet
Printers: HP Laser Jet 5200

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Creative Commons licenses is 3.0 now

New CC license has four parts:
The licensor permits others to copy, distribute, display, and perform the work beyond the freedoms given by fair use.


Licensor permits others to make derivative works beyond the freedoms given by fair use.
The licensor permits others to copy, distribute, display, and perform the work. In return, licensees may not use the work for commercial purposes without permission beyond the freedoms given by fair use.


The licensor permits others to copy, distribute, display, and perform the work. In return, licensees may not use the work for commercial purposes without permission beyond the freedoms given by fair use.
The new thing is Remix, which is allow others to derivative works. When in CC 2.5, ShareAlike is ask others not change works. But in CC3.0 it is just ask keep the same CC license when modify the works.
CC Labs

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