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25 Mar 2016 
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Can Emails Get You in Trouble at Work?by Leigh Goessl1 month, 6 days agoCredit: HebiFot via Pixabay/CC0 Public Domain Years ago it was the memo, but in today's tech-centric society, email has long become one of the primary methods of communication companies use either internally or externally. Many employees use it throughout the work day as it is a quick and easy way to send messages. Some employees use their work...

Read This >>My Family Makes Me Proud - Tips for Maintaining a Good Relationship with your Childrenby kellapat3 weeks, 3 days ago Single Motherhood When my husband passed away with cancer many years ago, my children were all teenagers. It was a frightening experience for me, having to raise them alone, but it was my husbands wisdom that saved the day. He had encouraged me to return to school after we were married and I did. As a result, I...

Read This >>Top 10 Tips for Financially Struggling Studentsby Leigh Goessl1 month, 2 days ago If you are a college student you already know how tight finances can get. After tuition, fees, books and other expenses related to your education are met, you likely find yourself limited on money. This is, if you aren't already living off negative balances in your bank account. The good news is there are many ways you can...

Read This >>3 Steps to Lose Your Lower Back Painby Jay Aaron1 month, 1 week ago Lower back pain can be a very debilitating condition that effects more than two thirds of people in the United States. Of this percentage only approximately 37% of people seek out help to reduce their symptoms. These symptoms can include aching, stiffness, weakness, and even numbness and tingling that can refer down into your legs and feet. Things that...



Read This >>How to Succeed in the Virtual College Classroomby Leigh Goessl1 month, 1 week ago Distance learning is a terrific opportunity for students who either don't want to attend their courses in a traditional classroom setting or can't due to other job or family responsibilities. Whatever the reasons are for pursuing college through online classes, if this is your first time a very different kind of approach to learning awaits you. While the...

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Obama's misguided corporate tax giveaways (Opinion)

25 Mar 2016 
On the individual side, he would increase taxes on the very wealthiest Americans to pay for tax cuts for lower- and middle-income Americans, including limiting tax benefits of itemized deductions for the best-off Americans, scaling back gigantic tax breaks for capital gains and large estates, and ensuring that hedge-fund managers pay their fair share. Each of these steps would reduce glaring inequities in our tax laws that allow the Warren Buffets of the world to pay lower tax rates than their secretaries.

On the tax-cutting side, Obama would expand tax credits for child-care and education expenses, boost the earned-income tax credit for childless workers, and give a new tax break to two-earner couples. Critically, these tax cuts would be paid for by the loophole-closers already mentioned.

Unfortunately, these sensible proposals are almost certainly dead on arrival in the GOP-led Congress.

But on the corporate side, the president's plans actually have a chance of being taken seriously by congressional Republicans -- possibly because his ideas are more in line with the ideological push for lower corporate tax rates.

The president's plan would impose a one-time 14% tax on the $2 trillion in untaxed income that multinational companies collectively have stashed in tax havens. While 14% is certainly higher than the single-digit rate companies such as Apple and Microsoft have paid to date on their offshore cash, it's still a lot less than the 35% these companies should be paying on their profits, and it's less than what many other businesses are already dutifully paying. Members of Congress have made similar proposals, including Sens. Barbara Boxer and Rand Paul, who recently proposed taxing foreign profits at 6.5%. Put another way, the president and lawmakers' theory on taxing offshore profits appears to be "getting something is better than nothing."

But we can do better.

In the wake of a titanic debate last year over what should happen to the corporate tax rate, Obama's budget is equally notable for failing to include a comprehensive proposal to eliminate tax giveaways.



The President has said that he wants a revenue-neutral corporate tax change that collects the same amount of revenue by lowering the corporate tax rate while eliminating loopholes. But his budget proposal is silent on how to accomplish this goal. The goal of corporate tax reform should be raising more revenue, not the same amount.

Measured as a share of the economy, the U.S. corporate tax is lower than almost every other developed nation -- and our corporate tax collections are at nearly their lowest point since World War II. This decline has been driven by rampant tax avoidance by big multinational corporations.

Citizens for Tax Justice released a report which found that 111 Fortune 500 corporations have found a way to pay zero corporate income taxes in at least one of the last five years despite being consistently profitable. And more than 70% of the Fortune 500 companies now have subsidiaries in foreign tax havens. All of which makes it even more absurd that President Obama would reward these tax dodgers with a special low tax rate on their foreign cash hoard.

There is some good in the president's tax reform proposal. In particular, the low-income tax credits will encourage work and pull millions of workers out of poverty. Unfortunately, it is hard to imagine these ideas receiving a real hearing this year.

But the President's plan to lower the corporate tax rate and reward companies that stash their profits offshore with a lower tax rate -- coupled with his budget's lack of detail on a road map to eliminating corporate loopholes -- signals there is fertile ground for compromise that would fail to achieve a fair and sustainable corporate tax.

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Black Friday Sales: Top 12 Free Items

22 Mar 2016 
Everyone loves freebies, though some shoppers will go out of their way, even acting irrationally, to get their hands on one. Website dealnews compiled a preview list of free items from stores on Black Friday.

While the following freebies don't have murky strings attached, beware of return policies for items you purchase.

"Some stores change their rules on Black Friday, including the flexibility of return policies and availability of layaway programs," said personal finance expert Farnoosh Torabi, at Chase Ultimate Rewards. "At Amazon, for example, jewelry purchased on Black Friday may not be returned, and Toys 'R Us puts its layaway program on hiatus for the day."

Check with your local store to make sure it is participating in these freebies below, and note that many of these are in limited quantities or are available only to the earliest of shoppers.

At 9 p.m. on Thanksgiving day, 120 Best Buy Stores will have an outdoor, big-screen viewing of the film "Harry Potter and the Deathly Hallows Part 2." At 8 p.m. stores will offer "giveaways and refreshments," entertaining guests before opening at midnight. You can check if a store in your neighborhood will participate on the Best Buy website.

The warehouse will have a complimentary breakfast from 5 a.m. to 8 a.m. with hot egg sandwiches, fresh fruit, yogurt and coffee. Shoppers who join Sam's Club or upgrade to Plus Membership while in-club through the weekend will receive a $20 gift card to spend immediately.

On Thanksgiving some Old Navy stores will open at 9 a.m., and customers can participate in 3-D electronics giveaways, movie tickets and other discounts. Be one of the first customers in line, and spend $40 on Old Navy products on Black Friday, to get a free Kodak Easyshare sport waterproof digital camera bundle while supplies last, worth more than $100, which includes a coupon for a free Kodak Gallery medium wall photo calendar, a $10-off coupon for a Kodak Easyshare Inkjet Printer Featuring 3-D printing.



Toys "R" Us stores are opening at 9 p.m. for the first time ever on Thanksgiving day. The first 100 customers in the stores will receive a free Holiday Savings Coupon Book with $500 in discounts to such name-brand retailers as Eddie Bauer, Aropostale and more, reports dealnews.

JCPenney is giving away up to 5,000 free 2011 Disney Mini-Snow Globes to each store's first Black Friday shoppers through Saturday, as long as supplies last. Quantities may vary by store. Stores open at 4 a.m.

Dealnews reports that several items are free at Staples after rebates, including QuickBooks Online Simple Start 2012 (currently $49.99) and McAfee Total Protection 2012 for 3 PCs (currently $79.99).

More than two dozen CVS items are free this Black Friday after CVS ExtraBucks discounts. Dealnews suggests you look for the offers that include ExtraBucks, though prices and items vary by store. Lou Carlozo, dealnews contributor, advises you sign up for a CVS Extra Care Card in order to qualify for ExtraBucks, which will be printed on your receipt.

On Black Friday Ace Hardware customres can get both an LED Flashlight and an 8-inch Marlin Lockback Pocket Knife for free after $4 rebates. Limit two rebates per item, per customer. Additional rebates are listed on the website. Hours vary by store because each are independently owned, says a spokeswoman. For Saturday only, Ace will offer a coupon for "50% Off One Item Under $30" on the cover of the Ace circular and online.

Open 4 to 10 p.m. on Thanksgiving and 5 a.m. or 6 a.m. Friday, Michael's will offer a free Godiva Chocolate Bar for the first 100 Customers.

The first 100 shoppers lined up at midnight on Black Friday will receive a scratch-off card and the chance to win an iPad2, a $250 gift card, or $5 in Bealls Bucks.

Auto parts seller Pep Boys will be open at 6 a.m. on Black Friday and will offer at least one freebie: a Peak 1-Million Candlepower Spotlight (after $10 rebate).

Walgreens will offer at least 15 items for free as part of its Register Rewards program, so make sure you read about the program, dealnews advises.

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Make Money When You Work From Home

22 Mar 2016 
Ever since the publication of my book, "Will Work From Home: Earn the Cash Without the Commute," which became a New York Times bestseller, I've researched and tested hundreds of opportunities to make money from home.

Sadly, but not surprisingly, most turn out to be scams. That's why I'm always thrilled when I find legitimate opportunities that work. (For a comprehensive list of some of the ways to make money at home -- from a few bucks here and there to a fulltime income, visit my Web site WomenForHire.com.)

The sites that follow offer qualified users the chance to get paid to create content, tweet ads, and test Web sites. Don't count on them to pay your mortgage -- at least not at first -- but if you're what they're looking for, the money may cover your phone bill or a night out. Perhaps best of all: None of these sites will ask for a penny from you up front.

nullInternet Sites Pay for MaterialCreate quality content. If you're an experienced writer, photographer or videographer, Seed.com, which is owned by AOL, may be a high-profile home for your work. AOL operates 80 Web sites on every imaginable topic: movies, pets, golf, style, parenting and more, producing an extraordinary amount of content that attracts more than 74 million visitors a month.

Here's how it works: Seed enables AOL site editors to post writing, photography -- and soon video -- assignments that are open to anyone, which allows them to draw from a vast pipeline of talent throughout the country. Recent assignments range from a photograph of a toddler in a high chair to an article on the latest lipsticks for spring. It's a very diverse mix.

Register on the site to access the complete listings. When you see an assignment that's right up your alley, submit your work. If it's approved, you'll get paid.



AOL says payment averages $25 to $75 per assignment -- some assignments pay even more -- and only the best content is accepted. In its first month, AOL editors posted 2,000 assignments and it's expected to grow steadily from there.

Other sites to explore that also pay widely varying rates for content: DemandStudios.com, Examiner.com, Helium.com and AssociatedContent.com.

Do you work from home successfully? Share your story with "GMA"!

For You, Tweets Can Mean CashFor anyone who's active on Twitter, you can turn those tweets into cash. You probably won't make tens of thousands of dollars like reality star celebrities, but you might as well give it a shot.

SponsoredTweets.com, which facilitates deals between advertisers and Twitter users, says it has 2,500 advertisers, ranging from Fortune 100 companies to mom and pop businesses that want to promote something to the Twitter audience.

Here's how it works: As a Twitter user, you can sign up for a free account to be paid for messages that advertisers want delivered to your audience. Advertisers will select you based on three factors: the number of followers you have (at least 200), the topic(s) you generally tweet about, and, most importantly, how engaged you are with your audience.

For just a few hundred followers, you may make $1 or $2 per tweet, and receive a few offers a month. If you have 1,000 followers and you're actively engaging with them, you could hit $50 or $75 a month in total payments. The more followers and the greater engagement, the more cash you can expect.

Three months ago I signed up for a free account on SponsoredTweets.com. During that time, I've earned more than $200 based on $15 per tweet. You control the ads you tweet, which means you can reject them if they're not right for you and your audience. In my case, I frequently reject offers because they don't appeal to me. If I had accepted every offer that was presented to me, I would have made four times as much.

Everyone should be using Twitter as a job search, networking and brand-building tool, so it makes sense to sign up for a free account on both SponsoredTweets.com and Ad.ly, another reputable service, to see if you can make money at it too. (I'm testing Ad.ly too and will report back on my results.)

Once you sign up, if you refer friends who become successful on these sites, you'll be eligible for minimal commissions on their earnings.

Consider Web Site TestingIn the past, if a company wanted to test the usability of its Web site, they'd set up a focus group in a lab and invite people to come in, which was an expensive and time-consuming undertaking. Now, it's done easily, quickly and inexpensively online. If you have a computer with high-speed internet, you could apply to be such a tester.

Here's how it works: At UserTesting.com, a two-year-old service, applicants complete a two-step process to be considered. The first asks for basic background information -- such as age, gender, income, zip code and skills. The second step is to take a 10-minute test that simulates a real assignment you'd receive if selected.

You could be asked to visit a specific Web site and perform an exact function -- such as to visit a clothing Web site and find and purchase a long-sleeved women's button-down shirt. While you're doing that, your screen is being recorded to track your mouse movement and clicks, and your voice (but not your face) is recorded to hear as you verbalize your steps. You must be good at verbalizing what you're doing as you navigate the site -- the imagery, text, colors, promotional messages and so on.

If you pass that, you're registered in the system to receive assignments as they come up, for which you're paid $10 for about 10 to 20 minutes of work.

Be a Web AffiliateIf you have a blog, Web site or newsletter, sign up for affiliate programs from any number of Web sites that sell a product or service that would appeal to your audience. From giants like Amazon.com to small niche sites, you can earn a healthy commission for sending customers their way just by posting links on your site.

A new entry in the affiliate space is TheGiftionary.com, which is run by my "Will Work From Home" co-author Robyn Spizman. It's free to register as an affiliate and you'll receive a custom code and link to share on your site. You'll make $25 every time you successfully refer a paid customer to the site.

Tory Johnson is the workplace contributor on "Good Morning America" and the anchor of Job Club on ABC News Now. She is the CEO of Women For Hire and the founder of WaggleForce. Talk to her at Twitter.com/ToryJohnson.

Click here to return to the "Good Morning America" Web site.

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Bar Mitzvah Planning - 13 Things Your Parents Did Not Have To Do

18 Mar 2016 
Did Our Parents Need a Bar Mitzvah Planning Guide?Why is there so much more on our "To Do" list?

Modern Bar Mitzvah planning now includes thirteen things your parents did not have to do. If you had your Bar/Bat Mitzvah anytime before the 1980s, it was a fairly simple affair to plan. After receiving the date from the synagogue, all your parents had to do was book a party venue, hire a band, order the invitations and thank you cards, get flowers for centerpieces, and buy everyone new clothes and shoes. Little more was required.

Sometime during the Alexis Carrington Dynasty years on television, when excess became the norm, Bar Mitzvah parties started to become more elaborate. The focus started to shift from the service and moved to the party. While the pendulum is swinging back, there are still things that are now part of Bar Mitzvah planning that were not years ago.

Are all of the items on this list necessary? The answer is subjective, as it depends upon how much time you want to devote to planning and how much money is in your Bar Mitzvah budget.

Personalized Bar Mitzvah Stamps

Before the internet, your parents went to the post office and hoped they had a pretty stamp for the invitation they ordered. With the advent of Zazzle, parents can now create custom made stamps. You can choose from a design on the website or create your own using a picture of your son or daughter.

Synagogue Programs

In order to make all guests feel included, especially those who are not Jewish, most synagogues require the family to create a booklet that describes the service. A template is provided, and parents need to fill out the pertinent information and have it run off. In the past, it was assumed that guests were Jewish and knew what was going to take place.

Hiring a Bus

After the service in the synagogue was over, children were rounded up in two's and three's and seated in the back of Uncle Morris and Aunt Sophies Cadillac so they could be driven to the party venue.

That no longer happens.

Today, parents are expected to higher a bus to transport their young guests to the party. For children who only invite a few friends, a limousine bus is hired for this task.

Hiring a DJ and More

Thirty years ago, hiring a five piece band to play music at the Bar Mitzvah party was commonplace and budget friendly. When professional DJs came along, they were able to play a bigger variety of music at a better price Nowadays, youre not just hiring a professional DJ to play music. You also need to hire a master of ceremonies, as well as two or more dancers to help get the party going. A good DJ with enthusiastic dancers

can keep fifty twelve and thirteen year olds well occupied.

Bar Mitzvah Giveaways

One of the jobs of the dancers you hire is to hand out giveaways. Children attending todays parties are expecting goodies, like funky hats, blinking eyeglasses, inflatable guitars and sneakers. It isnt enough anymore to just provide good music. Our parents did not have to plan and purchase Bar Mitzvah giveaways.

Bar Mitzvah Entertainment

Once upon a time, when your parents were creating your Bar Mitzvah plan, the band was the entertainment for everyone at the party. If the band was playing a slow song or taking a nostalgic trip back to the 1950s, we would amuse ourselves. A favorite pastime was to make memory glasses. Using a party venue glass, swizzle sticks and matchbooks immersed in water, we would use candles to seal the top.

Most families now hire additional entertainment for their guests. Photo booths, photo giveaways, caricaturists, and face painters are just a few of the entertainers some parents add for their guests.

Sign in Board or Book

Wedding guest books have been around forever, but the Bat/Bat Mitzvah sign in board and guest book is something new. Sign in boards can simply be an enlarged poster sized photo of the child, or they can be more elaborate. Guests sign the picture and offer the child mazel tov and best wishes.

Other people choose to have a sign in book. Creative types can do this from scrapbook materials, while others use themed sign in books. Either one you choose, be sure to have plenty of pretty colored markers for guests to use.

Bar Mitzvah Theme

Adults over the age of 30 can remember a time when the Bar Mitzvah party was just that a party. Now it is expected to have some kind of theme. Choosing your theme is huge, because so much of your Bar Mitzvah planning will revolve around it. Our parents did not have to do this, and as the adults, they never wouldve asked our opinion anywayParty Favors

In the past, no one had to buy Bar Mitzvah party favors. The fancy families would have Jordan almonds wrapped in tulle at every seat. Nowadays, parents have to plan on buying some kind of thank you gift for the guests who are children. Party favors can be T-shirts, water bottles, sweatpants, gumball machine, nylon sacks, or any other item that can be imprinted the childs name and date of the event.

A Realistic Bar Mitzvah Planning GuideHow to Plan a Bar/Bat Mitzvah A Realistic Guide for Planning Your Child's Special Day

Amazon Price: Buy Now

(price as of Jun 24, 2015)

I wrote this book based on my own experience of planning my daughter's Bat Mitzvah. I wish I had known then what I know now!



Thematic Centerpieces

A beautiful floral arrangement in the colors your parents selected used to be a sufficient centerpiece at each table. Because each party has a theme, the centerpiece is required to match it.

Table Seating Cards

When you hired a party venue in the past, they would give your parents those little foldable tent cards. Once again, becauseparties have themes,these table cards must now coordinate. For example, admission tickets can be used as a feeding card for anAmerican Idol Bat Mitzvah themeor a sports Bar Mitzvah theme.

Bathroom Baskets

Because you never know when someone needs some dental floss or breath mint, many families are now creating bathroom baskets for the party venue.Be careful what you put in there, because many of the teens just take what you place in them.

Hotel Gift Bags

Families used to live near each other and visit often. Our modern society has family spread across the United States and even the world,guests are comingfor the weekend and not just for the day. To make them feel welcome after traveling, parents planning the weekend provide hotel guests with gift bags filled with food and drink.

Creating aBar Mitzvah planwith these thirteen things our parents did not have to do creates extra work for todays families. Choosing which ones you want to use and which ones to omit will make planning yours easier on you.

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