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  • Survey: Want Help With Marketing? (We Really Need Your Input)
    Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog Survey Want Help With Marketing We Really Need Your Input Friday August 03 2012 We know you work hard each day promoting your business and reaching out to new customers Based on the conversations we ve had with you we understand that you d like more training and support related to marketing We need your help to put together the best and most useful marketing tips videos webinars and articles for you Please click here to take our one question survey and tell us what your greatest challenge is Wondering how to get the most for your marketing dollar Curious about how to put together a marketing plan Looking for tips on finding the right marketing firm and how much you should be willing to spend Please take 60 seconds to weigh in on the marketing training you d like the NASE to offer Rest assured your voice matters Your response will allow us to create materials customized to your needs So tell us what you think Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea RadEditor s bottom area Design Html and Preview modes Statistics module and resize handle It contains RadEditor s Modes views

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/08/03/Survey_Want_Help_With_Marketing_We_Really_Need_Your_Input (2016-02-14)
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  • Good debt ... Bad debt! [NASE Experts]
    If all debt were bad few people would own their own home or live in a 750 square feet adobe As for starting or expanding a business without debt that would be nothing more than a great American dream The real issue is whether your debt is controlled or uncontrolled And that is where most people go astray by ending up with more uncontrolled debt than controlled debt Granted if you have more month than you have money and it s difficult to meet even the minimum payments on your debt you have a problem But if your financial picture is more comfortable and you think you ll be better off paying off all debt you might be making a poor investment decision Here s an example related to personal debt but the same philosophy applies to business finances On the personal side there seems to be a lot of hype to pay off home mortgages early and supposedly save tens of thousands of dollars in interest So let s crunch the numbers Suppose you have a 150 000 15 year mortgage at 4 ½ The first number crunch is that if you factor in the tax deduction for mortgage interest your net interest rate is around 3 2 3 If you decide to pay off a mortgage early by paying an extra 250 each month you would pay off the mortgage in 11 ½ years at a savings of 11 000 in interest But if you invested that same 250 a month with a 5 return you would build an investment worth 46 500 with a return of 12 000 Another example is people wanting a consolidation loan to pay off several debts They may a few credit cards at 9 or 12 and they are willing to take out a 14 loan so they only have one monthly payment No No No You almost never replace a lower interest debt with a higher one The exception is if you have a cash flow problem and need to lower your monthly payments to make ends meet For around 90 of people going into business start up capital comes out of their own pockets or from friends and family This often means credit cards a second home mortgage or tapping into retirement accounts Although these are not the best options a lot of successful people have gone into hock betting that an investment in themselves will create success The challenge of using debt as an investment is to control the debt If you answer yes to any of the following questions you might be on the wrong side of debt If your income business or personal fell 20 or more would you have difficulties Have you written checks that exceed your account balance Are you in arrears on any bill because you don t have enough cash to cover it Are you using one credit card to pay another one Do you resort to using credit cards because you don

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/08/02/Good_debt_Bad_debt_NASE_Experts (2016-02-14)
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  • NASE To Congress: Put Self-Employed Health Deduction On Your Hearing Docket
    Investment Annual Rate of Return Calculator Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog NASE To Congress Put Self Employed Health Deduction On Your Hearing Docket Wednesday August 01 2012 Posted by Kristin Oberlander On behalf of the 21 million self employed Americans the NASE is once again holding Congressional leaders accountable for the lack of true small business legislation in the 112th session Earlier this week the NASE submitted a letter to the House Ways and Means Subcommittee on Tax and Select Revenue formally requesting a hearing on H R 6102 America s Small Business Tax Relief Act of 2012 In June 2012 the NASE released its national health care survey in which 85 of respondents indicated that rising health coverage costs have been detrimental to themselves their families their businesses and their bottom line over the past three years Juxtapose this against the fact that in 2011 the number of insured self employed was at its highest 77 Read our letter to the Ways and Means Committee here Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea RadEditor s bottom area Design Html and Preview modes Statistics module and resize handle It contains RadEditor s Modes views HTML Design and Preview Statistics

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/08/01/NASE_To_Congress_Put_Self-Employed_Health_Deduction_On_Your_Hearing_Docket (2016-02-14)
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  • The NASE Blog - Current Issues and Topics - For Small Businesses and Entrepreneurs
    retroactive update to How Much Can I Save On Health Costs Monday June 18 2012 Posted by Keith Hall NASE National Tax Advisor I have been fortunate enough over the last 10 years or so to travel all over the United States talking to small business owners We have conducted hundreds of seminars and webinars helping thousands of small business owners with just one more question We learned that most of the questions fall into one of four categories Taxes Access to Credit Getting more customers and How can I save on health care This last group of questions may seem to be the odd man at the table but the affordability of health care continues NASE Survey Self Employed Believe Health Costs Will Rise Under ACA Friday June 15 2012 Posted by Kristin Oberlander As the country waits to hear from the Supreme Court for a decision on the constitutionality of the Affordable Care Act the self employed are weighing in on the impact of the law on their business According to a national survey by the National Association for the Self Employed NASE the greatest opposition to the new law among the self employed is seen among those who are the most familiar with it Unlike most Americans the more the self employed and micro businesses 10 or less employees learn about the law the less likely they are to support it Our Skyrocketing Health Care Costs Hurt Businesses Families And The Bottom Line Thursday June 14 2012 Posted by Kristie Arslan As the country waits to hear from the Supreme Court on the constitutionality of the Affordable Care Act the self employed are weighing in now on the impact the law is currently having on their businesses According to a national survey released by the National Association for the Self Employed NASE while most Americans may be expecting their health care costs to go down under the health care reform law the self employed who are already facing an increase in costs are bracing for even more Health care coverage is important to the 22 million self employed Americans who comprise 78 percent Report Finds Health Tax Credit Underused Thursday June 07 2012 Posted by Kristin Oberlander The Government Accountability Office GAO announced last week that the Affordable Care Act s tax credit for small businesses was dolefully underused In fact only about 17 percent of the businesses that would otherwise be eligible for the maximum tax credit offered health insurance to employees In addition 83 percent of claims were for partial credits rather than the full 35 percent available Republicans seized on the opportunity to paint the health care law again as out of touch with business and consumer needs The NASE has been at the forefront in the small business health care debate Survey Finds Health Care Costs Have Decreased Or Remained Flat NASE Disagrees Tuesday June 05 2012 Posted by Kristin Oberlander The cost of health care has largely stayed the same or gone

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/page/13 (2016-02-14)
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  • The NASE Blog - Current Issues and Topics - For Small Businesses and Entrepreneurs
    take a cash advance on your credit card and pay high interest and your local banks don t cater to small Business Meals Ask The Experts Q A Tuesday May 15 2012 Question Our small business consists of myself and my wife doing copyediting and proofreading As such we don t really have much occasion to entertain customers as nearly all our work consists of receiveing electronic files or hard copy and doing what we do and sending it off often to other states But if we go out to dinner once a month and discuss business such as planning projects office organization etc can we deduct that as a business meal Answer The easy answer to your question is absolutely YES those business meals will be deductible The key point is whether Call For Tax Reform Grows Louder Friday May 11 2012 Posted by Katie Vlietstra Calls by advocates and organizations for Congress to begin work on comprehensive tax reform individual and corporate have been tempered thus far however in the last two weeks a growing number of groups have voiced alarm that neither the Senate or House have indicated when they will begin work on what could be the largest piece of legislation in the second session of the 112th On April 24th the House Ways and Means Subcommittee on Select Revenues Measures held a hearing on tax cuts that either expired in 2011 or will expire 2012 unfortunately Congress Here We Go Again Wednesday April 25 2012 Posted by Katie Vlietstra The continued back and forth between the Senate and House on legislation aimed and helping the self employed and small business community has resulted in possible bipartisan collaborations In addition recent statements in the press have indicated interest in moving a large package that would group together several bipartisan pieces of legislation including tax credits for reinvestment and hiring of employees in advance of the November election The NASE believes this would be a natural vehicle to attach the Small Business Tax Extenders bill to allowing for a diverse powerful piece of legislation that would speak directly Last Minute Tax Tips Friday April 13 2012 Does Your Tax Planning End On New Years Tuesday April 10 2012 Posted by Keith Hall NASE National Tax Advisor For most of us tax time is not the most rewarding time of the year and is typically ranked right up there with visiting the dentist Statistics would indicate that our commitment to flossing is only evident in the few weeks right before that dentist appointment And likewise our commitment to tax planning is most likely limited to the few weeks right before the return is due Unfortunately in both cases by that time it is already too late to make any real difference Most tax planning strategies end with the More New Jobs and Even More New Small Businesses Guest Post Tuesday April 03 2012 Posted by Keith Hall NASE National Tax Advisor The New Jobs Report for last month

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/page/14 (2016-02-14)
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  • The NASE Blog - Current Issues and Topics - For Small Businesses and Entrepreneurs
    can be intimidating for anybody Fortunately self employed business owners can expand the opportunity for success when they understand the legal implications that could affect their start ups Even though surety bonds are prerequisites for many license Tax Tip Surviving An IRS Audit Monday March 19 2012 Posted by Keith Hall NASE National Tax Advisor There are a great many horror shows that keep us up at night wondering if anything or anyone might be hiding under the bed Psycho Friday the 13th Nightmare on Elm Street you name it Most of us know that these stories are not real yet our hearts beat faster and our sleep comes slower just thinking of them Perhaps none of these classics can accelerate heartbeats nor steal as much sleep as a small business owner s fear of an IRS audit The overall chances of being audited in any one year Crowdfunding Gets Hot VIDEO Thursday March 15 2012 Main Street Or Wall Street Why Not Both Tuesday March 13 2012 Posted by Kristie Arslan It has become a time honored tradition for politicians to claim they re looking out for Main Street not Wall Street Capitol Hill is littered with proposals that are supposed to help small businesses compete in the marketplace and the Obama Administration has made this kind of messaging a key plank in their platform As is often the case the truth is not always what it may seem While there are many proposals before Congress that will specifically address key challenges facing entrepreneurs contemplating or already running businesses many of these efforts fall short of real help for The New 1099 K Who Knows Monday March 12 2012 Posted by Keith Hall NASE National Tax Advisor You may be one of millions of small business owners who have received a new form from who knows where called a Form 1099 K This is a brand new form required of credit card processing companies or payment settlement entities PSEs as the IRS refers to them to report the total amount of credit card charges that have been completed by your business The real question is what to do with these forms We all know that the forms 1099 that we get are included as taxable income on our tax returns Link Roundup Apprentices Boundaries and User Entrepreneurs Friday March 09 2012 Posted by Molly Nelson Should you be looking for an apprentice to work with you in your business Are you and your clients disrespectful of your personal time What s the deal with user entrepreneurs Read these articles to learn more The Return of the Apprentice Inc Instead of college German students enter training and apprenticeship programs many of which begin during high school By the time they finish they have had a far better practical education than most American students equivalent to an American technical degree and as a result they have an easier time entering the work force Also of One Down 22 Million To Go

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/page/15 (2016-02-14)
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  • The NASE Blog - Current Issues and Topics - For Small Businesses and Entrepreneurs
    request falls short on a critical element of the Self Employed Agenda the Payroll Tax Extension Will Be Extended Within Days Friday February 17 2012 Posted by Katie Vlietstra Senate and House conference committee members reached a deal on Thursday morning to approve a 10 month extension of the payroll tax deduction extend unemployment benefits and halt a significant cut in payments for physicians that treat Medicare patients The payroll tax deduction extension equates to an additional 40 per pay period for nearly 170 million American workers NASE advocates for the extension stressing the importance of the extension as it would allow for the self employed to invest in additional supplies phone lines and online advertising that continue to struggle in this difficult economy According to the IRS Pulls Back From Credit Card Reporting Requirement Wednesday February 15 2012 Posted by Katie Vlietstra In a move to alleviate growing concern within the small business community the IRS announced last week that it would not require reconciliation on the 2012 form nor do they intend to require reconciliation in the future Popularly dubbed 1099 K the IRS would have required all business including sole proprietors to reconcile credit card transactions The NASE strongly advocated against the 1099 K line as it placed a significant burden on the tax filer and would potentially create an misguided audit target for the IRS While we are pleased with the announcement the NASE still supports HRA 105 For Medical Expenses Ask The Experts Q A Tuesday February 14 2012 Q I set up an HRA 105 for my wife who is employed by me in my home office My understanding is that both her and my qualified medical expenses from the HRA can be deducted but cannot find a suitable category on TurboTax to enter this amount Please advise where this amount is entered A If I can be so bold let me change your terminology a bit as it relates to your HRA 105 plan You DID NOT set up an HRA 105 plan for your wife but instead your Company adopted an HRA 105 plan for the benefit Lawmakers Introduce Legislation that Supports Small Business Philanthropic Giving Wednesday February 01 2012 Representatives Schock R Ill and Schilling R Ill are touting legislation that would allow small businesses C corporations are not eligible to receive the same tax deduction given to larger corporation for the donation of extra inventory to charity and nonprofits Considering that the self employed and small businesses 499 or less employees make up 99 of the U S business economy it is yet another glaring example of continued disadvantages faced by the self employed and small business owners We applaud Representatives Schock and Schilling in their efforts Full text of the legislation can be found here Reclassifying Independent Contract Workers As Employees Friday January 27 2012 Posted by Keith Hall Are the workers in your business Independent Contractors or are they really Employees instead For most of us it is

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/page/16 (2016-02-14)
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  • The NASE Blog - Current Issues and Topics - For Small Businesses and Entrepreneurs
    tax beneficial for 2011 tax returns as they were for 2010 The premiums paid for health Small Business Planning During an Uncertain Economy Commentary Wednesday January 04 2012 Posted by Kristie Arslan There s no doubt that we face uncertain times with our economy Unemployment levels are still high The stock market has had a rollercoaster year While Congress finally overcame its political bickering to pass a two month extension of the payroll tax it can t be motivated to act on other initiatives that could aid our economy especially big ticket items that could help the self employed But one thing is certain small and micro businesses the driving force of our economy must protect themselves every day by planning in advance It s a common assumption that large corporations make up 2011 Self Made Blog Roundup Links Thursday December 29 2011 Posted by Kristin Oberlander What would the end of the year be without best of lists and countdowns The staff at Self Made has decided to pull together our favorite posts from this year below Did we leave one out Let us know in the comments and we ll add it Self Employment Keeps the Unemployment Rolls Low Commentary Economic Recovery Starts with Small Business Commentary Tell Us Your Story About The Deduction On Health Insurance Costs Self Employed Take An SE Tax Deduction For Health Insurance Costs Productivity and Goals Tax Day Let s Make the Tax Code Fair Commentary 1099 Additional Reporting Payroll Tax Updates Thursday December 22 2011 Congress continues to battle it out in Washington over the payroll tax cut Here s the latest news Overheard On CNN com Congress Lack Of Action Sparks Anger Payroll Processors Say Two Month Payroll Tax Fix Undoable Fox News House Republicans Reject Payroll Tax Deal NY Times GOP Led House Blocks Senate s Payroll Jobless Aid Bill National Journal Pre Existing Condition Insurance Plan For The Uninsured Monday December 19 2011 Posted by Kristin Oberlander The Department of Health and Human Services is rolling out a new health insurance option for the uninsured If you have had a hard time finding health insurance because of a pre existing condition or if you ve been turned down for insurance coverage and feel like you re out of options you re not out of luck You may now be eligible for a new government program the Pre Existing Condition Insurance Plan created by the Affordable Care Act This transitional program is available for children and adults in all 50 states and the District of Columbia who have been locked Winter Link Roundup Wednesday December 14 2011 Posted by Molly Nelson The days are shorter and the weeks busier so here are a few quick articles of interest Inc shares the only ethics guide you ll ever need FreelanceFolder has 25 tips on avoiding communication problems Small Biz Bee says cloud services could help grow your business The NYT s You re the Boss blog reports on the controversy

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/page/17 (2016-02-14)
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